<SEC-DOCUMENT>0001144204-14-012317.txt : 20140228
<SEC-HEADER>0001144204-14-012317.hdr.sgml : 20140228
<ACCEPTANCE-DATETIME>20140228111218
ACCESSION NUMBER:		0001144204-14-012317
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20131231
FILED AS OF DATE:		20140228
DATE AS OF CHANGE:		20140228

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMERISERV FINANCIAL INC /PA/
		CENTRAL INDEX KEY:			0000707605
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				251424278
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-11204
		FILM NUMBER:		14652465

	BUSINESS ADDRESS:	
		STREET 1:		MAIN & FRANKLIN STS
		STREET 2:		PO BOX 430
		CITY:			JOHNSTOWN
		STATE:			PA
		ZIP:			15907
		BUSINESS PHONE:		8145335300

	MAIL ADDRESS:	
		STREET 1:		MAIN & FRANKLIN STS
		STREET 2:		PO BOX 430
		CITY:			JOHNSTOWN
		STATE:			PA
		ZIP:			15907
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>v362341-10k.htm
<DESCRIPTION>10-K
<TEXT>
<HTML>

     <HEAD>

          <TITLE></TITLE>

     </HEAD>

<BODY>

<DIV style="text-align: center; min-width: 708">


<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;</P>

<H2 STYLE="text-indent:0pt; text-align: right; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;</H2>

<DIV  STYLE="width: 100%; display: inline; vertical-align: middle; border-top: 4pt black double">&nbsp;</DIV><H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">UNITED STATES<BR> SECURITIES AND EXCHANGE COMMISSION<BR> WASHINGTON, D.C. 20549</H1>


<DIV ALIGN="CENTER"><BR><IMG SRC="line.gif" ALIGN="MIDDLE" STYLE="width: 180px; height: 1pt; text-align: center"><BR>&nbsp;</DIV>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">FORM 10-K</H1>


<DIV ALIGN="CENTER"><BR><IMG SRC="line.gif" ALIGN="MIDDLE" STYLE="width: 180px; height: 1pt; text-align: center"><BR>&nbsp;</DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="544" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="456"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=3>(MARK ONE)</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1><FONT STYLE="font-family: wingdings">&#254;</font></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left"><B>ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</B></TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>FOR THE FISCAL YEAR ENDED DECEMBER 31, 2013</B> </P>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>OR</B> </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="544" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="456"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1><FONT STYLE="font-family: wingdings">o</font></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left"><B>TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</B></TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>FOR THE TRANSITION PERIOD FROM &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; TO &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </B></P>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>COMMISSION FILE NUMBER 0-11204</B></P>


<DIV ALIGN="CENTER"><BR><IMG SRC="line.gif" ALIGN="MIDDLE" STYLE="width: 180px; height: 1pt; text-align: center"><BR>&nbsp;</DIV>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 18pt; line-height: 20pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC. </H1>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 8pt; line-height: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">(Exact name of registrant as specified in its charter)</P>


<DIV ALIGN="CENTER"><BR><IMG SRC="line.gif" ALIGN="MIDDLE" STYLE="width: 180px; height: 1pt; text-align: center"><BR>&nbsp;</DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

</TR>

<TR STYLE="vertical-align: top; text-align: center">

          <TD STYLE="line-height: 12pt; vertical-align: text-bottom; font-weight: bold; font-size: 10pt; text-align: center" ROWSPAN=1 COLSPAN=1>PENNSYLVANIA</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: 12pt; vertical-align: text-bottom; font-weight: bold; font-size: 10pt; text-align: center" ROWSPAN=1 COLSPAN=1>25-1424278</TD>

</TR>

<TR STYLE="vertical-align: top; text-align: center">

          <TD STYLE="padding-left: 0pt; text-indent: 0pt" ROWSPAN=1 COLSPAN=1>(State or other jurisdiction of<BR> incorporation or organization)</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">(I.R.S. Employer<BR> Identification No.)</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

</TR>

<TR STYLE="vertical-align: top; text-align: center">

          <TD STYLE="line-height: 12pt; vertical-align: text-bottom; font-weight: bold; font-size: 10pt; text-align: center" ROWSPAN=1 COLSPAN=1>MAIN &amp; FRANKLIN STREETS,<BR> P.O. BOX 430, JOHNSTOWN,<BR> PENNSYLVANIA</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: 12pt; vertical-align: text-bottom; font-weight: bold; font-size: 10pt; text-align: center" ROWSPAN=1 COLSPAN=1>15907-0430</TD>

</TR>

<TR STYLE="vertical-align: top; text-align: center">

          <TD STYLE="padding-left: 0pt; text-indent: 0pt" ROWSPAN=1 COLSPAN=1>(Address of principal executive offices)</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">(Zip Code)</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>Registrant&#146;s telephone number, including area code (814) 533-5300</B></P>


<DIV ALIGN="CENTER"><BR><IMG SRC="line.gif" ALIGN="MIDDLE" STYLE="width: 180px; height: 1pt; text-align: center"><BR>&nbsp;</DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>Securities registered pursuant to Section 12(b) of the Act:</B> </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="682" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="333"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="333"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center; font-weight: bold" ROWSPAN=1 COLSPAN=1><U>Title Of Each Class</U></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center"><U><B>Name Of Each Exchange On Which Registered</B></U></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>Common Stock, Par Value $0.01 Per Share</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">The NASDAQ Stock Market LLC</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>8.45% Beneficial Unsecured Securities, Series A<BR> (AmeriServ Financial Capital Trust I)</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">The NASDAQ Stock Market LLC</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>Securities registered pursuant to Section 12(g) of the Act:</B> </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="682" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="333"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="333"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>&nbsp;<BR>Title Of Class</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center"><B>Share Purchase Rights</B><BR> (Title of class)</TD>

</TR>

</TABLE></DIV>


<DIV ALIGN="CENTER"><BR><IMG SRC="line.gif" ALIGN="MIDDLE" STYLE="width: 180px; height: 1pt; text-align: center"><BR>&nbsp;</DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. <FONT STYLE="font-family: wingdings">o</font> Yes <FONT STYLE="font-family: wingdings">&#254;</font> No </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. <FONT STYLE="font-family: wingdings">o</font> Yes <FONT STYLE="font-family: wingdings">&#254;</font> No </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days. <FONT STYLE="font-family: wingdings">&#254;</font> Yes <FONT STYLE="font-family: wingdings">o</font> No </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Website, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). <FONT STYLE="font-family: wingdings">&#254;</font> Yes <FONT STYLE="font-family: wingdings">o</font> No </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant&#146;s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. <FONT STYLE="font-family: wingdings">&#254;</font> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark whether the registrant is a large accelerated filer, accelerated filer, non-accelerated filer or a smaller reporting company. See definition of &#147;accelerated filer, large accelerated filer and smaller reporting company&#148; in Rule 12b-2 of the Exchange Act. (Check one): </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="682" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="155"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="147"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="147"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Large accelerated filer <FONT STYLE="font-family: wingdings">o</font></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Accelerated filer <FONT STYLE="font-family: wingdings">o</font></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Non-accelerated filer <FONT STYLE="font-family: wingdings">o</font></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Smaller reporting company <FONT STYLE="font-family: wingdings">&#254;</font></TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). <FONT STYLE="font-family: wingdings">o</font> Yes <FONT STYLE="font-family: wingdings">&#254;</font> No </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">State the aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked prices of such common equity, as of the business day of the registrant&#146;s most recently completed second fiscal quarter. The aggregate market value was $51,468,675 as of June 30, 2013. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Indicate the number of shares outstanding of each of the registrant&#146;s classes of common stock, as of the latest practicable date. There were 18,784,188 shares outstanding as of January 31, 2014. </P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DOCUMENTS INCORPORATED BY REFERENCE. </H1>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; line-height: 11pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Portions of the proxy statement for the annual shareholders&#146; meeting are incorporated by reference in Parts II and III. </P>

<DIV STYLE="width: 100%; display: inline; vertical-align: middle; border-top: 4pt black double">&nbsp;</DIV></DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">FORM 10-K INDEX </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="544"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Page No.</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PART I<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tBUS"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 1.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Business</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tBUS">1</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tRF"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 1A.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Risk Factors</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tRF">12</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tUSC"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 1B.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Unresolved Staff Comments</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tUSC">12</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tPRO"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 2.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Properties</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tPRO">12</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tLP"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 3.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Legal Proceedings</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tLP">12</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tMSD"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 4.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Mine Safety Disclosures</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tMSD">12</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PART II<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tMRCE"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 5.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Market for the Registrant&#146;s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tMRCE">13</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tSCF"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 6.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Selected Consolidated Financial Data</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tSCF">14</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tMDAC"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 7.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Management&#146;s Discussion and Analysis of Consolidated Financial Condition and Results of Operations</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tMDAC">15</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tQQD"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 7A.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Quantitative and Qualitative Disclosures about Market Risk</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tQQD">35</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tFSS"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 8.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Financial Statements and Supplementary Data</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tFSS">37</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCDAA"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 9.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Changes in and Disagreements With Accountants On Accounting and Financial Disclosure</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCDAA">95</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCAP"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 9A.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Controls and Procedures</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCAP">95</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tOI"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 9B.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Other Information</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tOI">95</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PART III<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tDEOC"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 10.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Directors, Executive Officers, and Corporate Governance</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tDEOC">96</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tEC"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 11.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Executive Compensation</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tEC">96</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tSOCB"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 12.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tSOCB">96</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCRRT"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 13.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Certain Relationships and Related Transactions, and Director Independence</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCRRT">96</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tPAFS"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 14.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Principal Accountant Fees and Services</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tPAFS">96</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PART IV<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tEXH"><P STYLE="padding-left: 50pt; text-indent: -50pt; margin-bottom: -12pt">Item 15.</P><P STYLE="margin-top: 0pt; padding-left: 50pt">Exhibits, Financial Statement Schedules</P></a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tEXH">97</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 60pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tSIG">Signatures</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tSIG">99</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">
i
<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PART I </H1>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tBUS"></a>ITEM 1. BUSINESS </H5>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">GENERAL </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Financial, Inc. (the Company) is a bank holding company organized under the Pennsylvania Business Corporation Law. The Company became a holding company upon acquiring all of the outstanding shares of AmeriServ Financial Bank (the Bank) in January 1983. The Company&#146;s other wholly owned subsidiaries include AmeriServ Trust and Financial Services Company (the Trust Company), formed in October 1992, and AmeriServ Life Insurance Company (AmeriServ Life), formed in October 1987. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s principal activities consist of owning and operating its three wholly owned subsidiary entities. At December 31, 2013, the Company had, on a consolidated basis, total assets, deposits, and shareholders&#146; equity of $1.056 billion, $855 million, and $113 million, respectively. The Company and its subsidiaries derive substantially all of their income from banking and bank-related services. The Company functions primarily as a coordinating and servicing unit for its subsidiary entities in general management, accounting and taxes, loan review, auditing, investment accounting, marketing and risk management.
</P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As a bank holding company, the Company is subject to supervision and regular examination by the Federal Reserve Bank of Philadelphia and the Pennsylvania Department of Banking. The Company is also under the jurisdiction of the Securities and Exchange Commission (SEC) for matters relating to registered offerings and sales of its securities under the Securities Act of 1933, as amended, and the disclosure and regulatory requirements of the Securities Exchange Act of 1934, as amended. The Company&#146;s common stock is listed on the NASDAQ Stock Market under the trading symbol &#147;ASRV,&#148; and the Company is subject to the
NASDAQ rules applicable to listed companies. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL BANKING SUBSIDIARY </H5>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL BANK </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank is a state bank chartered under the Pennsylvania Banking Code of 1965, as amended. Through 18 locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties, Pennsylvania, the Bank conducts a general banking business. It is a full-service bank offering (i) retail banking services, such as demand, savings and time deposits, checking accounts, money market accounts, secured and unsecured consumer loans, mortgage loans, safe deposit boxes, holiday club accounts, money orders, and traveler&#146;s checks; and (ii) lending, depository and related financial services to commercial, industrial, financial, and
governmental customers, such as commercial real estate-mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate-construction loans, business savings accounts, certificates of deposit, wire transfers, night depository, and lock box services. The Bank also operates 20 automated bank teller machines (ATMs) through its 24-hour banking network that is linked with NYCE, a regional ATM network, and CIRRUS, a national ATM network. West Chester Capital Advisors (WCCA), a SEC registered investment advisor, is also a subsidiary of the Bank. The Company also operates loan production offices (LPO&#146;s) in Monroeville, Altoona and Harrisburg in Pennsylvania and Hagerstown in Maryland. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We believe that the Bank&#146;s deposit base is such that loss of one depositor or a related group of depositors would not have a materially adverse effect on its business. The Bank&#146;s business is not seasonal, nor does it have any risks attendant to foreign sources. The significant majority of the Bank&#146;s customer base is located within a 150 mile radius of Johnstown, Pennsylvania. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank is subject to supervision and regular examination by the Federal Reserve Bank of Philadelphia and the Pennsylvania Department of Banking. Various federal and state laws and regulations govern many aspects of its banking operations. The following is a summary of key data (dollars in thousands) and ratios at December 31, 2013: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="570" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="461"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Headquarters</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Johnstown, PA</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,027,510</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Investment Securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>145,968</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Loans and Loans Held for Sale (net of unearned income)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>786,748</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>854,722</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Net Income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,911</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Asset Leverage Ratio</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9.46%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on Average Assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.60</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on Average Equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6.01</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Full-time Equivalent Employees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>281</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">RISK MANAGEMENT OVERVIEW: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Risk identification and management are essential elements for the successful management of the Company. In the normal course of business, the Company is subject to various types of risk, which includes credit, interest rate and market, liquidity, operational, legal/compliance, strategic/reputational and security risk. The Company controls and monitors these risks with policies, procedures, and various levels of managerial and Board oversight. The Company has both a Management Enterprise Risk Committee and a Board Enterprise Risk Committee to help manage and monitor the Company&#146;s risk position. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Interest rate risk is the sensitivity of net interest income and the market value of financial instruments to the magnitude, direction, and frequency of changes in interest rates. Interest rate risk results from various repricing frequencies and the maturity structure of assets and liabilities. The Company uses its asset liability management policy to control and manage interest rate risk. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Liquidity risk represents the inability to generate cash or otherwise obtain funds at reasonable rates to satisfy commitments to borrowers, as well as the obligations to depositors, debtholders and the funding of operating costs. The Company uses its asset liability management policy and contingency funding plan to control and manage liquidity risk. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Credit risk represents the possibility that a customer may not perform in accordance with contractual terms resulting in an economic loss to the organization. Credit risk results from extending credit to customers, purchasing securities, and entering into certain off-balance sheet loan funding commitments. The Company&#146;s primary credit risk occurs in the loan portfolio. The Company uses its credit policy and disciplined approach to evaluating the adequacy of the allowance for loan losses to control and manage credit risk. The Company&#146;s investment policy and hedging policy limit the amount of credit risk that may be
assumed in the investment portfolio and through hedging activities. The following summarizes and describes the Company&#146;s various loan categories and the underwriting standards applied to each: </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Commercial Loans </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">This category includes credit extensions to commercial and industrial borrowers. Business assets, including accounts receivable, inventory and/or equipment, typically secure these credits. In appropriate instances, extensions of credit in this category are subject to collateral advance formulas. Balance sheet strength and profitability are considered when analyzing these credits, with special attention given to historical, current and prospective sources of cash flow, and the ability of the customer to sustain cash flow at acceptable levels. The Bank&#146;s policy permits flexibility in determining acceptable debt service
coverage ratios, with a minimum level of 1.1 to 1x desired. Personal guarantees are frequently required; however, as the financial strength of the borrower increases, the Bank&#146;s ability to obtain personal guarantees decreases. In addition to economic risk, this category is impacted by the strength of the borrower&#146;s management, industry risk and portfolio concentration risk each of which are also monitored and considered during the underwriting process. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">2</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Commercial Loans Secured by Real Estate </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">This category includes various types of loans, including acquisition and construction of investment property, owner-occupied property and operating property. Maximum term, minimum cash flow coverage, leasing requirements, maximum amortization and maximum loan to value ratios are controlled by the Bank&#146;s credit policy and follow industry guidelines and norms, and regulatory limitations. Personal guarantees are normally required during the construction phase on construction credits and are frequently obtained on mid to smaller commercial real estate loans. In addition to economic risk, this category is subject to geographic
and portfolio concentration risk, each of which are monitored and considered in underwriting. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Residential Real Estate&nbsp;&#151;&nbsp;Mortgages </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">This category includes mortgages that are secured by residential property. Underwriting of loans within this category is pursuant to Freddie Mac/Fannie Mae underwriting guidelines, with the exception of Community Reinvestment Act (CRA) loans, which have more liberal standards. The major risk in this category is that a significant downward economic trend would increase unemployment and cause payment default. The Bank does not engage and has never engaged, in subprime residential mortgage lending. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Consumer Loans </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">This category includes consumer installment loans and revolving credit plans. Underwriting is pursuant to industry norms and guidelines. The major risk in this category is a significant economic downturn. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INVESTMENTS </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The investment securities portfolio of the Company and its subsidiaries is managed primarily to provide ample liquidity to fund, for example, loan growth and secondarily for earnings in a manner that is consistent with proper bank asset/liability management and current banking practices. The objectives of portfolio management include consideration of proper liquidity levels, interest rate and market valuation sensitivity, and profitability. The investment portfolio of the Company and its subsidiaries are proactively managed in accordance with federal and state laws and regulations and in accordance with generally accepted
accounting principles. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The investment portfolio is primarily made up of AAA rated agency mortgage-backed securities and short maturity agency securities. Beginning in 2012, the Company began to add high quality corporate securities and select taxable municipal securities to the portfolio. Management strives to maintain a relatively short duration in the portfolio. All holdings must meet standards documented in the AmeriServ Financial Investment Policy. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities classified as held to maturity are carried at amortized cost while investment securities classified as available for sale are reported at fair market value. The following table sets forth the cost basis and fair value of the Company&#146;s investment portfolio as of the periods indicated: </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities available for sale at: </H5>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="338"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,926</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,848</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,689</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11,992</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,992</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>121,480</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>131,425</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>165,484</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total cost basis of investment securities available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>140,398</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>145,265</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>176,173</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total fair value of investment securities available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>141,978</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>151,538</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>182,923</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities held to maturity at: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="338"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Taxable municipal</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,521</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>410</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,671</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,318</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds and other securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,995</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,995</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total cost basis of investment securities held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>18,187</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>13,723</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total fair value of investment securities held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>17,788</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>14,266</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,914</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DEPOSITS AND OTHER SOURCES OF FUNDS </H5>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Deposits </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank has a stable core deposit base made up of traditional commercial bank products that exhibits little fluctuation, other than jumbo certificates of deposits (CDs), which demonstrate some seasonality. The Company also utilizes certain Trust Company specialty deposits related to the ERECT Fund as a funding source which serve as an alternative to wholesale borrowings and can exhibit some limited degree of volatility. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the average balance of the Company&#146;s deposits and average rates paid thereon for the past three calendar years: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="168"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Demand:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest bearing</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>158,169</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>147,887</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>135,298</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>75,126</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.18</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>60,810</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>57,784</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Savings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>87,819</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.16</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>85,112</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81,490</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.31</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>212,735</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.35</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>211,744</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.42</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>193,536</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.56</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other time</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>312,741</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>1.33</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>327,557</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.62</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>348,915</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.97</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>846,590</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>0.75%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>833,110</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>0.95</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>817,023</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>1.22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The loan portfolio of the Company consisted of the following: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="220"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>120,120</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>102,864</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>83,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>78,322</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>96,158</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate<sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>412,254</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>383,934</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>350,224</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>370,375</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>396,787</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage<sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>235,689</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>217,584</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>212,669</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>203,323</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>207,221</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>15,864</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,420</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>18,172</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>19,233</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>19,619</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>783,927</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>721,802</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>664,189</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>671,253</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>719,785</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Less: Unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>581</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>637</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>452</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>477</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>671</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>783,346</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>721,165</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>663,737</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>670,776</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>719,114</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: left">For each of the periods presented beginning with December 31, 2013, real estate-construction loans constituted 3.0%, 2.0%, 1.9%, 3.9% and 6.8% of the Company&#146;s total loans, net of unearned income, respectively. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">4</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Secondary Market Activities </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Residential Lending department of the Company continues to originate one-to-four family mortgage loans for customers, the majority of which are sold to outside investors in the secondary market and some of which are retained for the Bank&#146;s portfolio. Mortgages sold on the secondary market are sold to investors on a &#147;flow&#148; basis; mortgages are priced and delivered on a &#147;best efforts&#148; pricing basis, with servicing released to the investor. Fannie Mae/Freddie Mac guidelines are used in underwriting all mortgages with the exception of a limited amount of CRA loans. Mortgages with longer terms, such as
20-year, 30-year, FHA, and VA loans, are usually sold. The remaining production of the department includes construction, adjustable rate mortgages, 10-year, 15-year, and bi-weekly mortgages. These loans are usually kept in the Bank&#146;s portfolios, although during periods of low interest rates 15-year loans are typically sold into the secondary market as they have been over the last several years. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Non-performing Assets </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents information concerning non-performing assets: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="253"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-accrual loans:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,679</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,375</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,632</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,731</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,716</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,239</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,191</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,205</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,879</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,025</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,871</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,814</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,075</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,289</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,116</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>344</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,101</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>436</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>871</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>673</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>127</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>104</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>302</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>350</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,017</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,228</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>738</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,221</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total restructured loans not in non-accrual (TDR)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>221</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>182</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,337</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total non-performing assets including TDR</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>4,109</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>7,224</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,199</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>14,364</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>18,337</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.52%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.78</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company is unaware of any additional loans which are required to either be charged-off or added to the non-performing asset totals disclosed above. Other real estate owned (OREO) is measured at fair value based on appraisals, less cost to sell at the date of foreclosure. The Company had no loans past due 90 days or more, still accruing, for the periods presented. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth, for the periods indicated, (1) the gross interest income that would have been recorded if non-accrual loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination if held for part of the period, (2) the amount of interest income actually recorded on such loans, and (3) the net reduction in interest income attributable to such loans. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="280"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income due in accordance with original terms</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>178</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>231</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>376</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,086</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>553</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest income recorded</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(167</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(458</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net reduction in interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>178</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>231</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>209</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>628</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>478</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL NON-BANKING SUBSIDIARIES </H5>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV TRUST AND FINANCIAL SERVICES COMPANY </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Trust and Financial Services Company is a trust company organized under Pennsylvania law in October 1992. Its staff of approximately 45 professionals administers assets valued at approximately $1.7 billion that are not recognized on the Company&#146;s balance sheet at December 31, 2013. The Trust Company focuses on wealth management. Wealth management includes personal trust products and services such as personal portfolio investment management, estate planning and administration, custodial services and pre-need trusts. Also, institutional trust products and services such as 401(k) plans, defined benefit and defined
contribution employee benefit plans, and individual retirement accounts are included in this segment. This segment also includes financial services which include the sale of mutual funds, annuities, and insurance products. The wealth management business also includes the union collective investment funds, namely the ERECT and BUILD funds which are designed to use union pension dollars in construction projects that utilize union labor. The BUILD fund is in the process of liquidation. At December 31, 2013, the Trust Company had total assets of $4.3 million and total stockholder&#146;s equity of $3.8 million. In 2013, the Trust Company contributed earnings to the corporation as its gross revenue amounted to $7.5 million and the net income contribution was $1.0 million. The Trust Company is subject to regulation and supervision by the Federal Reserve Bank of Philadelphia and the Pennsylvania Department of Banking. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV LIFE </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Life is a captive insurance company organized under the laws of the State of Arizona. AmeriServ Life engages in underwriting as reinsurer of credit life and disability insurance within the Company&#146;s market area. Operations of AmeriServ Life are conducted in each office of the Company&#146;s banking subsidiary. AmeriServ Life is subject to supervision and regulation by the Arizona Department of Insurance, the Pennsylvania Insurance Department, and the Board of Governors of the Federal Reserve System (the Federal Reserve). At December 31, 2013, AmeriServ Life had total assets of $427,000. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">MONETARY POLICIES </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Commercial banks are affected by policies of various regulatory authorities including the Federal Reserve. An important function of the Federal Reserve is to regulate the national supply of bank credit. Among the instruments of monetary policy used by the Federal Reserve are: open market operations in U.S. Government securities, changes in the federal funds rate and discount rate on member bank borrowings, and changes in reserve requirements on bank deposits. These means are used in varying combinations to influence overall growth of bank loans, investments, and deposits, and may also affect interest rate charges on loans or
interest paid for deposits. The monetary policies of the Federal Reserve have had, and will continue to have, a significant effect on the operating results of commercial banks in the past and are expected to continue to do so in the future. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">COMPETITION </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Our subsidiaries face strong competition from other commercial banks, savings banks, credit unions, savings and loan associations, and other financial or investment service institutions for business in the communities they serve. Several of these institutions are affiliated with major banking and financial institutions which are substantially larger and have greater financial resources than the Bank and the Trust Company. As the financial services industry continues to consolidate, the scope of potential competition affecting our subsidiaries will also increase. Brokerage houses, consumer finance companies, insurance
companies, and pension trusts are important competitors for various types of financial services. In addition, personal and corporate trust investment counseling services are offered by insurance companies, other firms, and individuals. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">MARKET AREA &amp; ECONOMY </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Federal Reserve characterizes economic growth as being on a moderate pace. Labor market indicators are mixed, but on balance showing further improvement. Business fixed investment has been growing more quickly in recent months. In December 2013, the Federal Reserve began to modestly reduce monthly asset purchases by $10 billion per month taking purchases of Treasuries from $45 billion to $35 billion and purchases of Mortgage Backed Securities from $40 billion to $30 billion. The Federal Open </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">6</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Market Committee (FOMC) anticipates further reductions as &#147;asset purchases are not on a preset course, and the Committee's decisions about their pace will remain contingent on the Committee's outlook for the labor market and inflation as well as its assessment of the likely efficacy and costs of such purchases.&#148; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Even as the Federal Reserve tapers its asset purchases, the Fed is expected to maintain a highly accommodative policy stance with a very low federal funds rate. Guidance from the December 2013 FOMC meeting is that it would be appropriate to keep the target rate at its current level well past the time that the unemployment rate declines below 6.5%. The FOMC recently changed their language from they &#147;anticipate&#148; inflation moving back toward its 2.0% target to they are &#147;monitoring inflation developments carefully for evidence&#148; that it will do so. This is a carefully worded shift to bring lower-than-target
inflation into focus as a potential reason to add back more accommodation and to keep interest rates from moving sharply higher. Some economists have pushed their first predicted rate hike out into 2016. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The outlook for 2014 as projected by a committee of 13 chief economists at some of the nation&#146;s largest banks indicates that we will experience the strongest economic growth since the expansion began in 2009 and the committee&#146;s strongest forecast since 2005. This committee attributed the outlook to faster growth in business investment, strong job creation, rebounding consumer confidence and a growing housing market. Short rates on the yield curve are anticipated to remain constant over 2014 while long term rates are expected to slowly rise. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Inflation is likely to remain below 2% in 2014. Economic growth is forecasted to pick up moderately this year. The Consumer Price Index in 2014 is forecasted to increase about 1.8%, measuring from December 2013 to December 2014. Energy prices are likely to continue to decline in 2014, but the size of the drop is likely to be less than 2013 </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Increased business spending, growing consumer confidence, the continued housing renaissance and healthy export gains all add up to an increasingly growing economy, which should be able to support net monthly hiring that frequently, if not regularly, tops 200,000 during 2014. Although the unemployment rate dropped in December 2013 to 6.7%, the lowest level since 2008, the decline is the result of individuals leaving the labor force rather than people finding jobs. The labor force participation rate dropped to 62.8%, its lowest level since 1978. It is anticipated that the unemployment rate is likely to stabilize and approximate
6.5%. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The housing market is expected to experience more expansion in 2014, with starts and new-home sales continuing to rise at double-digit rates. But the pace of existing-home sales will moderate. Existing home sales are expected to increase by 4%. Further increases in interest rates are likely to dampen recent strong price gains. In almost all markets across the country, prices rose in 2013. Nevertheless, prices in most regions remain below previous peaks. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The economy in Cambria and Somerset counties, Pennsylvania at the end of 2013 produced seasonally adjusted unemployment rates of 7.8% and 8.4%, respectively, as compared to national and state rates of 6.7% and 6.9%. Local markets continue to be negatively impacted by the slow economic conditions that have existed since the recession began in 2007. Johnstown, Pennsylvania, where AmeriServ Financial, Inc. is headquartered, continues to have a cost of living that is lower than the national average. On an annual average basis, the 2013 job level for the Johnstown Metropolitan Statistical Area of 62,300 declined by 300 over the
previous year. This pattern of modest year to year change, dating back to the beginning of 2006&nbsp;&#150;&nbsp;2007, documents the fact that the local economy continues to face a long hard climb back from the recession. The jobless rate in Johnstown MSA averaged 8.8% in 2013 and matched the 2012 average. A relatively static labor force signals the absence of a growing economy. A ranking of the 14 MSAs across Pennsylvania placed Johnstown 13<sup>th</sup> lowest. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Economic conditions are stronger in the State College market and have demonstrated the same modest improvement experienced in the national economy. The unemployment rate for State College MSA averaged 5.8% in 2013, which represents a 0.1% improvement over the 2012 average and remains the lowest of all regions in the Commonwealth. Seasonally adjusted total nonfarm jobs for the MSA increased by 1,900 since December 2012. A large percentage of the population in State College falls into the 18 to 34 year old age group, while potential customers in the Cambria/Somerset markets tend to be over 50 years of age. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">7</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company also has loan production offices in Harrisburg in Dauphin county, Pennsylvania, Altoona in Blair county, Pennsylvania and in Hagerstown in Washington county, Maryland. Harrisburg is the metropolitan center for some 400 communities. Its economy and more than 6,900 businesses are diversified with a large representation of service-related industries (especially health) and growing technological industry to accompany the dominant government field inherent to being the state's capital. The largest employer, state government, provides stability to the economy and attracts attendant services. Excellent roads and rail
transportation contribute to the city's prominence as a center for trade, warehousing, and distribution. The unemployment rate decreased from a 2012 average of 7.2% to 6.7% in 2013 in the Harrisburg-Carlisle MSA region. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Hagerstown and Washington county, Maryland offers a rare combination of business advantages providing a major crossroads location that is convenient to the entire East Coast at the intersection of I-81 and I-70. It has a workforce of over 400,000 with strengths in manufacturing and technology. It also offers an affordable cost of doing business and living within an hour of the Washington, D.C./Baltimore regions. There are also plenty of facilities and land slated for industrial/commercial development. Hagerstown has become a choice location for manufacturers, financial services, and distribution companies. The Hagerstown,
MD-Martinsburg, WV MSA unemployment rate improved from a 7.8% average in 2012 to a 7.1% average in 2013. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Altoona is the business center of Blair County, Pennsylvania with a strong retail, government and manufacturing base. The top field of employment in Altoona and the metro area is healthcare. Its location along I-99 draws from a large trade area over a wide geographic area that extends to State College and Johnstown. It serves as the headquarters for Sheetz Corporation which ranks on Forbes list of the top privately owned companies. In addition to being located adjacent to I-99 and a major highway system, Altoona also has easy access to rail and air transportation. The unemployment rate in the Altoona MSA decreased from a 7.2%
average in 2012 to a 6.9% average in 2013. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EMPLOYEES </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company employed 377 people as of December 31, 2013 in full- and part-time positions. Approximately 183 non-supervisory employees of the Company are represented by the United Steelworkers, AFL-CIO-CLC, Local Union 2635-06. In 2013, the Company successfully negotiated a new four year labor contract with the United Steelworkers Local that will expire on October 15, 2017. The contract calls for annual wage increases of 3.0%. Additionally, effective January 1, 2014, the Company implemented a soft freeze of its defined benefit pension plan for union employees. A soft freeze means that all existing union employees as of December
31, 2013 currently participating will remain in the defined benefit pension plan but any new union employees hired after January 1, 2014 will no longer be part of the defined benefit plan but instead will be offered retirement benefits under an enhanced 401(k) program. The Company has not experienced a work stoppage since 1979. The Company is one of an estimated ten union-represented banks nationwide. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INDUSTRY REGULATION </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The banking and trust industry, and the operation of bank holding companies, is highly regulated by federal and state law, and by numerous regulations adopted by the federal banking agencies and state banking agencies. Bank regulation affects all aspects of conducting business as a bank, including such major items as minimum capital requirements, limits on types and amounts of investments, loans and other assets, as well as borrowings and other liabilities, and numerous restrictions or requirements on the loan terms and other products made available to customers, particularly consumers. Federal deposit insurance (from the
FDIC) is required for all banks in the United States, and maintaining FDIC insurance requires observation of the various rules of the FDIC, as well as payment of deposit premiums. New branches, or acquisitions or mergers, are required to be pre-approved by the responsible agency, which in the case of the Company and the Bank is the Federal Reserve and the Pennsylvania Department of Banking. The Bank provides detailed financial information to its regulators, including a quarterly call report that is filed pursuant to detailed prescribed instructions to ensure that all U.S. banks report the same way. The U.S. banking laws and regulations are frequently updated and amended, especially in response to crises in the financial industry, such as the global financial crisis of 2008, which resulted in the Dodd-Frank Wall Street Reform and Consumer Protection Act enacted in 2010, a massive statute over 1,000 pages in length affecting many facets of the financial industry. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">8</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">While it is impractical to discuss all laws and regulations that regularly affect the business of the Company and its subsidiaries, set forth below is an overview of some of the major provisions and statutes that apply. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CAPITAL REQUIREMENTS </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">One of the most significant regulatory requirements for banking institutions is minimal capital, imposed as a ratio of capital to assets. The Federal Deposit Insurance Act, as amended, identifies five capital categories for insured depository institutions: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized. It requires U.S. federal bank regulatory agencies to implement systems for &#147;prompt corrective action&#148; for insured depository institutions that do not meet minimum capital requirements based on these categories. The FDICIA imposes progressively
more restrictive constraints on operations, management and capital distributions, depending on the category in which an institution is classified. Unless a bank is well capitalized, it is subject to restrictions on its ability to utilize brokered deposits and on other aspects of its operations. Generally, a bank is prohibited from paying any dividend or making any capital distribution or paying any management fee to its holding company if the bank would thereafter be undercapitalized. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As of December 31, 2013, the Company believes that its bank subsidiary was well capitalized, based on the prompt corrective action guidelines described above. As discussed below, however, the capital requirements for all banks are being increased under the Dodd-Frank Act. Specifically, on July 2, 2013, the Board of Governors of the Federal Reserve System approved final rules that substantially amend the regulatory risk-based capital rules applicable to the Company and the Bank. The final rules implement the &#147;Basel III&#148; regulatory capital reforms, as well as certain changes required by the Dodd-Frank Act. The July
2013 final rules generally implement higher minimum capital requirements, add a new common equity tier 1 capital requirement, and establish criteria that instruments must meet to be considered common equity tier 1 capital, additional tier 1 capital or tier 2 capital. The new minimum capital to risk-adjusted assets requirements are a common equity tier 1 capital ratio of 4.5% (6.5% to be considered &#147;well capitalized&#148;) and a tier 1 capital ratio of 6.0%, increased from 4.0% (and increased from 6.0% to 8.0% to be considered &#147;well capitalized&#148;); the total capital ratio remains at 8.0% under the new rules (10.0% to be considered &#147;well capitalized&#148;). Under the new rules, in order to avoid limitations on capital distributions (including dividend payments and certain discretionary bonus payments to executive officers), a banking organization must hold a capital conservation buffer comprised of common equity tier 1 capital above its minimum risk-based capital
requirements in an amount greater than 2.5% of total risk-weighted assets. The new minimum capital requirements are effective on January 1, 2015. The capital contribution buffer requirements phase in over a three-year period beginning January 1, 2016. The Company is continuing to review the impact of these new rules and currently expects that its capital position will be more than adequate to meet the revised regulatory capital requirements. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DIVIDEND RESTRICTIONS </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The primary source of cash to pay dividends, if any, to the Company&#146;s shareholders and to meet the Company&#146;s obligations is dividends paid to the Company by the Bank and the Trust Company. Dividend payments by the Bank to the Company are subject to the laws of the Commonwealth of Pennsylvania, the Banking Code, the Federal Deposit Insurance Act (&#147;FDIA&#148;) and the regulation of the Pennsylvania Department of Banking and of the Federal Reserve. Under the Banking Act and the FDIA, a bank may not pay any dividends if, after paying such dividends, it would be undercapitalized under applicable capital requirements.
In addition to these explicit limitations, the federal regulatory agencies are authorized to prohibit a banking subsidiary or bank holding company from engaging in unsafe or unsound banking practices. Depending upon the circumstances, the agencies could take the position that paying a dividend would constitute an unsafe or unsound banking practice. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">It is the policy of the Federal Reserve Board that bank holding companies should pay cash dividends on common stock only out of income available from the immediately preceding year and only if prospective earnings retention is consistent with the organization&#146;s expected future needs and financial condition. The policy provides that bank holding companies should not maintain a level of cash dividend that undermines the bank holding company&#146;s ability to serve as a source of strength to its banking subsidiary. A bank holding company may not pay dividends when it is insolvent. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">9</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The terms of the SBLF Preferred Shares impose limits on the ability of the Company to pay dividends and repurchase shares of common stock. Under the terms of the SBLF Preferred Shares, no repurchases may be effected, and no dividends may be declared or paid on preferred shares ranking pari passu with the SBLF Preferred Shares, junior preferred shares, or other junior securities (including the common stock) during the current quarter and for the next three quarters following the failure to declare and pay dividends on the SBLF Preferred Shares, except that, in any such quarter in which the dividend is paid, dividend payments on
shares ranking pari passu may be paid to the extent necessary to avoid any resulting material covenant breach. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Under the terms of the SBLF Preferred Shares, the Company may only declare and pay a dividend on the common stock or other stock junior to the SBLF Preferred Shares, or repurchase shares of any such class or series of stock, if, after payment of such dividend, the dollar amount of the Company&#146;s Tier 1 Capital would be at least 90% of the Tier 1 Capital as of June 30, 2011, excluding any subsequent net charge-offs and any redemption of the SBLF Preferred Shares (the &#147;Tier 1 Dividend Threshold&#148;). Beginning on the first day of the eleventh dividend period, the amount of the Tier 1 Dividend Threshold will be reduced
by 10% for each one percent increase in qualified small business lending from the baseline level through the ninth dividend period. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company commenced paying quarterly cash dividends to common shareholders in 2013. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SARBANES-OXLEY ACT OF 2002 </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Sarbanes-Oxley Act of 2002 is not a banking law, but contains important requirements for public companies in the area of financial disclosure and corporate governance. In accordance with Section 302(a) of the Sarbanes-Oxley Act, written certifications by the Company&#146;s Chief Executive Officer and Chief Financial Officer are required. These certifications attest, among other things, that the Company&#146;s quarterly and annual reports filed with the SEC do not contain any untrue statement of a material fact. In response to the Sarbanes-Oxley Act of 2002, the Company adopted a series of procedures to further strengthen
its corporate governance practices. The Company also requires signed certifications from managers who are responsible for internal controls throughout the Company as to the integrity of the information they prepare. These procedures supplement the Company&#146;s Code of Conduct Policy and other procedures that were previously in place. In 2005, the Company implemented and has since maintained a program designed to comply with Section 404 of the Sarbanes-Oxley Act. This program included the identification of key processes and accounts, documentation of the design of control effectiveness over process and entity level controls, and testing of the effectiveness of key controls. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PRIVACY PROVISIONS </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Federal banking regulators adopted rules that limit the ability of banks and other financial institutions to disclose non-public information about customers to non-affiliated third parties. These limitations require disclosure of privacy policies to consumers and, in some circumstances, allow consumers to prevent disclosure of certain personal information to non-affiliated third parties. The privacy provisions affects how consumer information is transmitted through diversified financial companies and conveyed to outside vendors. The Company believes it is in compliance with the various provisions. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">USA PATRIOT ACT </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A major focus of governmental policy on financial institutions in recent years has been aimed at combating money laundering and terrorist financing. The USA Patriot Act substantially broadened the scope of United States anti-money laundering laws and regulations by imposing significant new compliance and due diligence obligations, creating new crimes and penalties and expanding the extra-territorial jurisdiction of the United States. The United States Treasury Department has issued and, in some cases, proposed a number of regulations that apply various requirements of the USA Patriot Act to financial institutions. These
regulations impose obligations on financial institutions to maintain appropriate policies, procedures and controls to detect, prevent and report money laundering and terrorist financing and to verify the identity of their customers. Failure of a financial institution to maintain and implement adequate programs to combat money laundering and terrorist financing, or to comply with all of the relevant laws or regulations, could have serious legal and reputational consequences for the Company. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">10</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On July 21, 2010, the President signed into law the Dodd-Frank Wall Street Reform and Consumer Protection Act (the &#147;Dodd-Frank Act&#148;). This law significantly changed the previous bank regulatory structure and affects the lending, deposit, investment, trading and operating activities of financial institutions and their holding companies. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Dodd-Frank Act requires various federal agencies to adopt a broad range of new rules and regulations, and to prepare various studies and reports for Congress. The federal agencies are given significant discretion in drafting such rules and regulations. The due date for many of such regulations is still in the future; consequently, many of the details and much of the impact of the Dodd-Frank Act may not be known for years. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Many provisions of the Dodd-Frank Act are already in effect. For example, effective July 21, 2011, a provision of the Dodd-Frank Act eliminates the federal prohibitions on paying interest on demand deposits, thus allowing businesses to have interest bearing checking accounts. Depending on competitive responses, this significant change to prior law could have an adverse impact on the Company&#146;s interest expense. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Dodd-Frank Act also broadened the base for Federal Deposit Insurance Corporation insurance assessments. Assessments will now be based on the average consolidated total assets less tangible equity capital of a financial institution. The Dodd-Frank Act also permanently increased the maximum amount of deposit insurance for banks, savings institutions and credit unions to $250,000 per depositor, retroactive to January 1, 2008, and non-interest bearing transaction accounts had unlimited deposit insurance through December 31, 2012. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Bank and thrift holding companies with assets of less than $15 billion as of December 31, 2009, such as the Company, will be permitted to include trust preferred securities that were issued before May 19, 2010, as Tier 1 capital; however, trust preferred securities issued by a bank or thrift holding company (other than those with assets of less than $500 million) after May 19, 2010, will no longer count as Tier 1 capital. Trust preferred securities still will be entitled to be treated as Tier 2 capital. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Dodd-Frank Act also required publicly traded companies to give stockholders a non-binding vote on executive compensation and so-called &#147;golden parachute&#148; payments. The legislation also directed the Federal Reserve Board to promulgate rules prohibiting excessive compensation paid to bank holding company executives, regardless of whether the company is publicly traded. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Dodd-Frank Act created a new Consumer Financial Protection Bureau with broad powers to supervise and enforce consumer protection laws. The Consumer Financial Protection Bureau has broad rule-making authority for a wide range of consumer protection laws that apply to all banks and savings institutions, including the authority to prohibit &#147;unfair, deceptive or abusive&#148; acts and practices. The Consumer Financial Protection Bureau has examination and enforcement authority over all banks and savings institutions with more than $10 billion in assets. Banks and savings institutions with $10 billion or less in assets
such as the Company will continue to be examined for compliance with the consumer laws by their primary bank regulators. The Dodd-Frank Act also weakens the federal preemption rules that have been applicable for national banks and federal savings associations and gives state attorney generals the ability to enforce federal consumer protection laws. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">It is difficult to predict at this time what the total impact the Dodd-Frank Act will have on community banks. However, it is expected that, at a minimum, it will increase our capital requirements, our operating and compliance costs, and could increase our interest expense. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AVAILABLE INFORMATION </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We file annual, quarterly and current reports, proxy statements and other information with the SEC. These filings are available to the public on the Internet at the SEC&#146;s website at<I> http://www.sec.gov</I>. You may also read and copy any document we file with the SEC at the SEC&#146;s public reference room, located at 100 F Street, N.E., Room 1580, Washington, D.C. 20549. Please call the SEC at 1-800-SEC-0330 for further information on the public reference room. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">11</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Our Internet address is<I> http://www.ameriserv.com</I>. We make available free of charge on <I>http://www. ameriserv.com</I> our annual, quarterly and current reports, and amendments to those reports, as soon as reasonably practical after we electronically file such material with, or furnish it to, the SEC. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tRF"></a>ITEM 1A. RISK FACTORS </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Not applicable. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tUSC"></a>ITEM 1B. UNRESOLVED STAFF COMMENTS </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company has no unresolved staff comments from the SEC for the reporting periods presented. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tPRO"></a>ITEM 2. PROPERTIES </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The principal offices of the Company and the Bank occupy the five-story AmeriServ Financial building at the corner of Main and Franklin Streets in Johnstown plus twelve floors of the building adjacent thereto. The Company occupies the main office and its subsidiary entities have 14 other locations which are owned. Nine additional locations are leased with terms expiring from January 1, 2015 to August 31, 2030. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tLP"></a>ITEM 3. LEGAL PROCEEDINGS </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company is subject to a number of asserted and unasserted potential legal claims encountered in the normal course of business. In the opinion of both management and legal counsel, there is no present basis to conclude that the resolution of these claims will have a material adverse effect on the Company&#146;s consolidated financial position, results of operations or cash flows. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tMSD"></a>ITEM 4. MINE SAFETY DISCLOSURE </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Not applicable. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">12</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PART II </H1>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tMRCE"></a>ITEM 5. MARKET FOR THE REGISTRANT&#146;S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES </H5>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">COMMON STOCK </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As of January 31, 2014, the Company had 3,757 shareholders of record for its common stock. The Company&#146;s common stock is traded on the NASDAQ Global Market System under the symbol &#147;ASRV.&#148; The following table sets forth the actual high and low closing prices and the cash dividends declared per share for the periods indicated: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="570" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="306"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>PRICES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=2><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=2 COLSPAN=3>CASH DIVIDENDS DECLARED</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>HIGH</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>LOW</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Year ended December 31, 2013:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>First Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.23</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.90</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Second Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.17</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.74</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.01</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Third Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.29</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.97</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.01</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Fourth Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.26</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.99</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.01</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Year ended December 31, 2012<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>First Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.85</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Second Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.07</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Third Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.99</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.70</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fourth Quarter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.05</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.76</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The declaration of cash dividends on the Company's common stock is at the discretion of the Board of Directors, and any decision to declare a dividend is based on a number of factors, including, but not limited to, earnings, prospects, financial condition, regulatory capital levels, applicable covenants under any credit agreements and other contractual restrictions, Pennsylvania law, federal and Pennsylvania bank regulatory law, and other factors deemed relevant. Additionally, the Company&#146;s previously announced common stock repurchase programs have been completed, so accordingly, no shares were repurchased during the
fourth quarter. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">13</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tSCF"></a>ITEM 6. SELECTED CONSOLIDATED FINANCIAL DATA </H5>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SELECTED FIVE-YEAR CONSOLIDATED FINANCIAL DATA</P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>AT OR FOR THE YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA AND RATIOS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>SUMMARY OF INCOME<BR> STATEMENT DATA:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>39,343</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39,917</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41,964</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>44,831</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>47,455</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,482</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,681</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,489</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>15,021</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>32,861</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,283</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,434</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,100)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(775</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,575</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>15,150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income after provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>33,961</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,978</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35,858</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>27,092</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>17,284</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,744</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,943</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,569</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,967</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,928</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total non-interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>42,223</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40,641</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40,037</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>39,697</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>39,157</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income (loss) before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,482</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,390</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,362</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(7,945</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision (benefit) for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,289</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,853</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,050</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income (loss)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>5,193</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(4,895</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income (loss) available to common shareholders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>4,984</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,211</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,152</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(6,053</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PER COMMON SHARE DATA:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic earnings (loss) per share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.26</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(0.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted earnings (loss) per share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.26</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(0.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends declared</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.03</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Book value at period end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.91</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.67</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.07</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.09</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>BALANCE SHEET AND<BR> OTHER DATA:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 1,056,036</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,000,991</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 979,076</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 948,974</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 970,026</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans and loans held for sale, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>786,748</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>731,741</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>670,847</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>678,181</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>722,904</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,104</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,571</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>141,978</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>151,538</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>182,923</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>164,811</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>131,272</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18,187</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,723</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,824</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,611</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>854,522</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>835,734</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>816,420</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>801,216</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>786,011</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total borrowed funds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>79,640</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41,745</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>34,850</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>27,385</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>64,664</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>113,307</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>110,468</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>112,352</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>107,058</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>107,254</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Full-time equivalent employees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>352</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>350</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>347</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>348</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>345</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>SELECTED FINANCIAL RATIOS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on average assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.51%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.68</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(0.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on average total equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.69</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.90</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4.33</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans and loans held for sale, net of unearned income, as a percent of deposits, at period end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>92.07</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>87.56</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>82.17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>84.64</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>91.97</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Ratio of average total equity to average assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10.86</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.36</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.49</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.72</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Common stock cash dividends as a percent of net income available to common shareholders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11.36</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest rate spread</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.39</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest margin</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.56</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.65</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.72</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.79</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.72</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance for loan losses as a percentage of loans, net of unearned income, at period end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.29</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.95</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-performing assets as a percentage of loans and other real estate owned, at period end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.52</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.78</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net charge-offs as a percentage of average loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.18</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.60</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Ratio of earnings to fixed charges and preferred dividends:<sup>&#040;1&#041;</sup><BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Excluding interest on deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5.13X</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.80X</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.11X</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.49X</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1.12)X</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Including interest on deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.07</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.83</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.53</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cumulative one year interest rate sensitivity gap ratio, at period end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.09</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.30</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.08</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: left">The ratio of earnings to fixed charges and preferred dividends is computed by dividing the sum of income before taxes, fixed charges, and preferred dividends by the sum of fixed charges and preferred dividends. Fixed charges represent interest expense and are shown as both excluding and including interest on deposits. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tMDAC"></a>ITEM 7. MANAGEMENT&#146;S DISCUSSION AND ANALYSIS OF CONSOLIDATED FINANCIAL CONDITION AND RESULTS OF OPERATIONS (MD&amp;A) </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following discussion and analysis of financial condition and results of operations of AmeriServ Financial, Inc. (AmeriServ) should be read in conjunction with the consolidated financial statements of AmeriServ Financial, Inc. including the related notes thereto, included elsewhere herein. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">RESULTS OF OPERATIONS FOR THE YEARS ENDED DECEMBER 31, 2013, 2012, AND 2011 </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">2013 SUMMARY OVERVIEW: </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Net income available to common shareholders in the fourth quarter of 2013 was $1,789,000 or $0.09 per diluted share. This was 52% above the third quarter of 2013 and more than double the same quarter of 2012. This strong quarter pushed the net income available to common shareholders for the full year 2013 to $4,984,000 or $0.26 per share or 23.8% better than the full year of 2012. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">About two thirds of our revenue is generated by lending money. While most of our borrowers are good people, both the national and the regional economies have been weak and have caused stress for some borrowers. If we believe it is a serious situation, we will monitor the loan and the borrower closely. We may create a specific loss reserve to protect AmeriServ. The job of our staff is not to repossess an auto, or to foreclose on a mortgage, or to cause a business to fall into bankruptcy. Their job is to help the company, or the consumer to survive, to pay us and to continue to be an AmeriServ customer. Management reviews this
monitoring process two times in every quarter so as to understand the current state of the weakened borrowers. We are pleased to report that by working with our weakened borrowers during 2013, a number of them have returned to health or found other funding sources, or even sold assets. Such desirable results permitted AmeriServ to reduce its allowance for loan losses with a $1 million negative provision in the fourth quarter of 2013. We like to say that this is how the process is supposed to work. It is important to establish a loss reserve for a weak borrower, but also to work vigorously to bring the borrower through the crisis. The result then is a healthier borrower, a stronger balance sheet for AmeriServ and increased net income for the AmeriServ shareholder as the allowance for loan losses can be reduced. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">While this strengthening of the loan portfolio was important in 2013, there were other items of note: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As of December 31, 2013, AmeriServ&#146;s net loans were at a record year end level, </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As of December 31, 2013, AmeriServ&#146;s deposits were at a record year end level, </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As of December 31, 2013, AmeriServ&#146;s non-interest income was at the highest level since the Great Recession of 2009, </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As of December 31, 2013, AmeriServ still maintained an allowance for loan losses which provides a 327% coverage ratio of all non-performing loans. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We have also commented previously on the importance of AmeriServ Trust and Financial Services Company during this kind of economy. 2013 was a banner year for equity markets and less so for bond markets, but AmeriServ&#146;s Trust Company was able to exceed a very strong 2012 level of after tax net income by 21% in 2013. This marks three consecutive years of double digit increases in the Trust Company bottom line. It is these trends that cause this Board and management team to continue to support the Strategic Plan of this Company. During 2014 the Trust Company will install state of the art software which promises better
service for customers, better efficiencies for staff and more product capabilities to help the Company continue to grow. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We believe that AmeriServ is growing stronger day by day. But we know that $0.26 earnings per share are just not good enough. During the latter half of 2013, management initiated a company-wide cost management effort. We were pleased with the identified improvements in efficiency that will result from this management effort going forward. However, we intend to do more in 2014. AmeriServ recognizes that we must search out ways to further increase earnings per share. It is encouraging to report record loan and deposit levels and continuing growth in fee income. But the real focus must be on improving net income available to
common shareholders. We are reaching across the industry for best practices that may help us. Please remember that the AmeriServ Board of Directors is composed of substantial shareholders who want AmeriServ to be both a strong community bank and a rewarding investment. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">15</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Usually, at about this time, it is our wont to comment on the national and regional economies. In truth, we are less optimistic than the opinions coming from inside the Washington Beltway. We expect 2014 will be a hardscrabble struggle, just as every year has been since 2009. However, the Board and management have positioned AmeriServ for this kind of economy. The balance sheet is strong, asset quality is good, capital is above regulatory requirements, liquidity is deep and we are focusing our energies on efficiency. We do not expect any help from the Federal Reserve, the Congress or the Administration; we are going to have to
do it ourselves no matter whether the economy rises or falls. There will be no fancy financial gimmicks, or reduction on monitoring the many risks that abound in these markets. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>PERFORMANCE OVERVIEW...</B>&nbsp;&nbsp;The following table summarizes some of the Company&#146;s key profitability performance indicators for each of the past three years. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="624" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT<BR> PER SHARE DATA AND RATIOS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,193</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income available to common shareholders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,984</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,211</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,152</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted earnings per share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.26</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on average assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.51%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.68</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Return on average equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.69</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.90</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company reported net income available to common shareholders of $5.0 million or $0.26 per diluted common share for 2013. This represented a 23.8% increase in earnings per share from 2012 where net income available to common shareholders totalled $4.2 million or $0.21 per diluted share. Growth in total revenue, improved asset quality, and effective capital management caused the increase in earnings per share in 2013. Specifically, a $658,000 increase in net interest income resulted from continued strong growth of our loan portfolio, as total loans grew by $55 million, or 7.5% during the past year. Material loan growth
occurred in loan categories that qualify for the Small Business Lending Fund (SBLF) through the Company&#146;s loan production offices. As a result of this growth in SBLF qualified loans, the Company has locked in the lowest preferred dividend rate available under the program of 1% until the first quarter of 2016. This lower rate has saved the Company $619,000 in preferred stock dividend payments in 2013 and is a key factor contributing to the earnings per share growth. Additionally, the calculation of earnings per share has benefitted from a 713,000 or 3.6% reduction in average shares outstanding due to the success of the Company&#146;s common stock repurchase program that was completed in the second quarter of 2013. Non-interest income also increased by $801,000 or 5.4% due largely to fee growth within our trust and wealth management businesses as a result of increased assets under management and overall good residential mortgage sales activity for the majority of 2013. There was
also $325,000 more earnings benefit from negative loan loss provisions in 2013 due to the Company&#146;s improved asset quality. These positive items were partially offset by a $1.6 million or 3.9% increase in non-interest expense and slightly higher income tax expense. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company reported net income available to common shareholders of $4.2 million or $0.21 per diluted common share for 2012. This represented a 12.5% decline in earnings per share from 2011 where net income available to common shareholders totalled $5.2 million or $0.24 per diluted share. The largest factor causing the reduction in net income available to common shareholders was the provision for loan losses. The Company recorded a negative provision of $775,000 but this was at a lesser level than the $3,575,000 negative provision for 2011. The Company&#146;s net interest income decreased for the full year of 2012 by only
$80,000, or 0.2%, when compared to the entire year of 2011. Non-interest income increased by $1.4 million or 10.1% largely due to increased revenue from residential mortgage banking activities and our Trust Company&#146;s wealth management businesses. Continued focus on expense control helped contain the increase in non-interest expense to $604,000 or 1.5%. Finally, diluted earnings per share were impacted by the $828,000 dividend requirement on the US Treasury SBLF preferred stock which reduced the amount of net income available to common shareholders. This amount, however, was less than the preferred stock dividend and accelerated preferred stock discount accretion related to the former TARP CPP preferred stock that totalled $1,385,000 in 2011. The Company has been successful in growing commercial loans in categories that qualify </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">16</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">for the SBLF. As such, the dividend rate that AmeriServ pays on the SBLF preferred stock dropped in the fourth quarter of 2012 from 5% to 1%. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company reported net income available to common shareholders of $5.2 million or $0.24 per diluted common share for 2011. This represents an increase of $5.3 million from the 2010 net income of $1.3 million or $0.01 per diluted common share. A significant and sustained improvement in asset quality was an important factor contributing to our financial success in 2011. Specifically, non-performing assets and classified loans declined as a result of our successful problem credit resolution efforts allowing the Company to reverse a portion of the allowance for loan loss into earnings in 2011 while still increasing the
non-performing assets coverage ratio. The Company&#146;s net interest income performance was relatively stable throughout 2011. It decreased for the full year of 2011 by only $59,000, or 0.2%, when compared to the entire year of 2010. Non-interest income decreased by $398,000 or 2.8% largely due to an investment security loss of $358,000 realized in the first quarter of 2011 that resulted from a portfolio repositioning strategy. Continued focus on expense control helped contain the increase in non-interest expense to $340,000 or 0.9%. Income tax expense increased sharply by $2.8 million in 2011 due to the Company&#146;s improved profitability. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>NET INTEREST INCOME AND MARGIN...</B>&nbsp;&nbsp;The Company&#146;s net interest income represents the amount by which interest income on earning assets exceeds interest paid on interest bearing liabilities. Net interest income is a primary source of the Company&#146;s earnings; it is affected by interest rate fluctuations as well as changes in the amount and mix of earning assets and interest bearing liabilities. The following table summarizes the Company&#146;s net interest income performance for each of the past three years: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="306"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATIOS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>39,343</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39,917</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41,964</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,482</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,681</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>32,861</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,283</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest margin</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.56%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.65</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.72</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>2013 NET INTEREST PERFORMANCE OVERVIEW... </B>&nbsp;&nbsp;The Company&#146;s net interest income in 2013 increased by 658,000, or 2.0%, when compared to 2012. The Company&#146;s 2013 net interest margin of 3.56% was nine basis points lower than the net interest margin of 3.65% for 2012. The lower net interest margin demonstrates the impact of the Federal Reserve low interest rate policies which have pressured interest revenue. The Company has been able to overcome this net interest margin pressure and increase net interest income by reducing its cost of funds and growing its earning assets, particularly loans. Specifically,
these efforts have resulted in total loans averaging $746 million in 2013, which is $58 million or 8.4% higher than the $689 million average for 2012. This loan growth reflects the successful results of the Company&#146;s more intensive sales calling efforts with an emphasis on generating commercial loans and owner occupied commercial real estate loans which qualify as SBLF loans, particularly through its loan production offices. Overall, the increase in loans caused the Company&#146;s loan to deposit ratio to average 88.2% in 2013 compared to 82.7% in 2012. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Total interest expense for 2013 declined by $1.2 million from 2012 due to the Company&#146;s proactive efforts to reduce deposit costs. Even with this reduction in deposit costs, the Company still experienced growth in deposits which reflects the loyalty of its core deposit base and its ongoing efforts to cross sell new loan customers into deposit products. Specifically, total deposits have averaged $847 million in 2013, which is $14 million or 1.6% higher than the $833 million average in 2012. The Company is pleased that the majority of the deposit growth has occurred in non-interest bearing demand deposit accounts. Overall,
the Company expects that it will need to continue to grow earning assets to achieve net interest income growth in 2014 as little net interest margin improvement is expected given the Federal Reserve&#146;s announced plans to keep short term interest rates exceptionally low into 2015. Solid commercial loan pipelines suggest that the Company should be able to again grow the loan portfolio in 2014. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">17</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>COMPONENT CHANGES IN NET INTEREST INCOME: 2013 VERSUS 2012...</B>&nbsp;&nbsp;Regarding the separate components of net interest income, the Company's total interest income in 2013 decreased by $574,000 when compared to 2012. This decrease was due to a 25 basis point decline in the earning asset yield from 4.52% to 4.27%, partially offset by additional interest income from a $38.3 million increase in average earning assets due to an increase in average loans. Within the earning asset base, the yield on the total loan portfolio decreased by 35 basis points from 5.06% to 4.71%, while the yield on total investment securities
dropped by 22 basis points from 2.72% to 2.50%. In the current interest rate environment, new investment securities and loans typically have yields that are below the rate on the maturing instruments that they are replacing. Investment securities interest revenue also declined by $865,000 in 2013 due to an $18 million decrease in the average investment securities portfolio as the Company has utilized cash flow from securities to help fund the previously mentioned loan growth. Interest revenue, however, has benefitted from a $386,000 reduction in premium amortization on mortgage backed securities due to a slowdown in mortgage prepayment speeds in the second half of 2013. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company's total interest expense for 2013 decreased by $1.2 million, or 16.0%, when compared to 2012. This decrease in interest expense was due to a lower cost of funds as the cost of interest bearing liabilities declined by 21 basis points to 0.88%. Management&#146;s decision to further reduce interest rates paid on all deposit categories has not had a negative impact on deposit growth and reflects the loyalty of the bank&#146;s core deposit base. This decrease in funding costs occurred in spite of a $28.3 million increase in the volume of interest bearing liabilities. The Company has utilized term advances from the FHLB,
with maturities ranging between three and five years, to help fund its earning asset growth and manage interest rate risk over the past year. The average balance of FHLB term advances has increased by $13 million while the average cost of these advances has declined by 60 basis points to 0.84%. Overall, total FHLB borrowings have averaged $36 million or 3.5% of total assets during 2013. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>2012 NET INTEREST PERFORMANCE OVERVIEW...</B>&nbsp;&nbsp;The Company&#146;s net interest income performance was relatively stable throughout 2012 decreasing by only $80,000, or 0.2%, when compared to 2011. The Company&#146;s 2012 net interest margin of 3.65% was seven basis points lower than the net interest margin of 3.72% for 2011. The decreased net interest margin reflects the challenges of a flatter yield curve and low interest rates which pressured interest revenue in 2012. The Company was able to overcome this net interest margin pressure and keep net interest income relatively constant by reducing its cost of funds
and growing its earning assets, particularly loans. Specifically, total loans at December 31, 2012 were $61 million or 9.1% higher than they were at December 31, 2011. This loan growth reflects the successful results of the Company&#146;s more intensive sales calling efforts to generate SBLF loans, particularly through its new loan production offices. Despite this growth in loans, total interest revenue dropped by $2,047,000 between years and reflects the lower interest rate environment and flatter yield curve. Interest revenue was also negatively impacted by increased premium amortization on mortgage backed securities due to faster mortgage prepayment speeds. However, careful management of funding costs allowed the Company to mitigate a significant portion of this drop in interest revenue in 2012. Specifically, total interest expense for 2012 declined by $1,967,000 from 2011 due to the Company&#146;s proactive efforts to reduce deposit and borrowing costs. Even with this reduction in
deposit costs, the Company still experienced solid growth in deposits which increased by $19 million or 2.4% during 2012. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>COMPONENT CHANGES IN NET INTEREST INCOME: 2012 VERSUS 2011...</B>&nbsp;&nbsp;Regarding the separate components of net interest income, the Company's total interest income in 2012 decreased by $2.0 million when compared to 2011. This decrease was due to a 32 basis point decline in the earning asset yield from 4.84% to 4.52%, partially offset by additional interest income from a $12.5 million increase in average earning assets due to an increase in average loans. Within the earning asset base, the yield on the total loan portfolio decreased by 33 basis points from 5.39% to 5.06%, while the yield on total investment securities
dropped by 43 basis points from 3.15% to 2.72%. Due to the lower interest rate environment, new investment securities and loans typically have yields that are below the rate on the maturing instruments that they are replacing. Investment securities interest revenue has also been negatively impacted by increased premium amortization on mortgage backed securities of $334,000 due to faster mortgage prepayment speeds. Despite a $26 million or 3.9% increase in total average loans, total loan interest revenue dropped by $887,000 </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">18</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">between years and reflects the impact of this lower interest rate environment. Overall, the increase in loans caused the Company&#146;s loan to deposit ratio to average 82.7% in 2012 compared to 81.1% in 2011. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company's total interest expense for 2012 decreased by $2.0 million, or 20.3%, when compared to 2011. This decrease in interest expense was due to a lower cost of funds as the cost of interest bearing liabilities declined by 28 basis points to 1.09%. Management&#146;s decision to further reduce interest rates paid on all deposit categories has not had a negative impact on deposit growth as consumers and businesses sought the safety and liquidity provided by well-capitalized community banks like AmeriServ Financial. This decrease in funding costs occurred in spite of a $3.5 million increase in the volume of interest bearing
liabilities. Additionally, the Company&#146;s funding mix also benefited from a $12.6 million increase in non-interest bearing demand deposits. Overall, in 2012 the Company was able to fund its net asset growth with core deposits as wholesale borrowings averaged only 1.1% of total assets. The Company also does not use brokered certificates of deposit as a funding source. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The table that follows provides an analysis of net interest income on a tax-equivalent basis setting forth (i) average assets, liabilities, and stockholders&#146; equity, (ii) interest income earned on interest earning assets and interest expense paid on interest bearing liabilities, (iii) average yields earned on interest earning assets and average rates paid on interest bearing liabilities, (iv) interest rate spread (the difference between the average yield earned on interest earning assets and the average rate paid on interest bearing liabilities), and (v) net interest margin (net interest income as a percentage of average
total interest earning assets). For purposes of these tables loan balances include non-accrual loans, and interest income on loans includes loan fees or amortization of such fees which have been deferred, as well as interest recorded on certain non-accrual loans as cash is received. Regulatory stock is included within available for sale investment securities for this analysis. Additionally, a tax rate of approximately 34% is used to compute tax-equivalent yields. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">19</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="150"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="38"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="38"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="44"></TD>

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="150"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="38"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="38"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="44"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=35>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AVERAGE BALANCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INTEREST INCOME/ EXPENSE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>YIELD/ RATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AVERAGE BALANCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INTEREST INCOME/ EXPENSE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>YIELD/ RATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AVERAGE BALANCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INTEREST INCOME/ EXPENSE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>YIELD/ RATE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=35><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest earning assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans, net of unearned<BR> income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>746,490</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>35,145</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.71</B>%</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>688,736</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>34,842</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.06</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>662,746</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35,729</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.39</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits with banks</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,027</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.08</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,634</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,853</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal funds sold</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>79</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.05</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,838</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term investment in money market funds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,260</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.24</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,889</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.61</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,224</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.40</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>150,621</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,701</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.46</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>172,947</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,634</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.68</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>187,863</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,837</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>17,900</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>508</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>2.84</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,828</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>440</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>3.18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,053</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>403</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>4.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>168,521</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>4,209</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>2.50</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>186,775</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,074</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2.72</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>197,916</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,240</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>3.15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL INTEREST EARNING ASSETS/INTEREST<BR> INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>926,377</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>39,368</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>4.27</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>888,034</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>39,944</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>4.52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>875,577</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>41,994</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>4.84</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest earning assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and due from banks</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>16,795</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>17,136</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,893</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Premises and equipment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,839</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,055</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,513</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>75,360</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81,796</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>79,293</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(11,434)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(13,500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(17,771</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL ASSETS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,019,937</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>984,521</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>963,505</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing liabilities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing deposits:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing demand</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>75,126</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 138</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.18%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>60,810</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 116</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>57,784</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1> 127</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Savings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>87,819</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>139</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.16</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>85,112</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>181</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81,490</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>256</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.31</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>212,735</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>736</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.35</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>211,744</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>895</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.42</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>193,536</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,090</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.56</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other time</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>312,741</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>4,151</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>1.33</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>327,557</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,310</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.62</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>348,915</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,862</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.97</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 40pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>688,421</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>5,164</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>0.75</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>685,223</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,502</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>0.95</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>681,725</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8,335</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal funds purchased and other short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>17,973</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>46</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.26</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,216</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Advances from Federal Home Loan Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18,170</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>152</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.84</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,661</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.44</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,769</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>220</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.26</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Guaranteed junior<BR> subordinated deferrable<BR> interest debentures</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>13,085</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,120</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>8.57</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>8.57</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>8.57</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL INTEREST BEARING LIABILITIES/INTEREST EXPENSE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>737,649</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,482</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>0.88</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>709,311</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.09</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>705,795</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,681</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest bearing liabilities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Demand deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>158,169</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>147,887</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>135,298</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13,378</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,517</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,699</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>110,741</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>111,806</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>110,713</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL LIABILITIES AND STOCKHOLDERS&#146;<BR> EQUITY</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,019,937</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>984,521</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>963,505</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest rate spread</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.39</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income/net interest margin</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>32,886</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.56%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,230</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.65</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,313</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.72</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Tax-equivalent adjustment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(25)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(30</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>32,861</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>32,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>32,283</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">20</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Net interest income may also be analyzed by segregating the volume and rate components of interest income and interest expense. The table below sets forth an analysis of volume and rate changes in net interest income on a tax-equivalent basis. For purposes of this table, changes in interest income and interest expense are allocated to volume and rate categories based upon the respective percentage changes in average balances and average rates. Changes in net interest income that could not be specifically identified as either a rate or volume change were allocated proportionately to changes in volume and changes in rate. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="200"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2013 vs. 2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>2012 vs. 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>INCREASE (DECREASE)<BR> DUE TO CHANGE IN:</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>INCREASE (DECREASE)<BR> DUE TO CHANGE IN:</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AVERAGE VOLUME</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AVERAGE VOLUME</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INTEREST EARNED ON:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,730</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,427</B>)</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>303</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,580</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,467</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(887</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits with banks</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(3)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(4)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal funds sold</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term investments in money market funds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(13)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(10)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(570)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(363)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(933)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(439</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(764</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>107</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(39)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>68</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>82</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(45</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>37</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(463)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(402)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(865)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(357</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(809</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,166</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,269</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,845)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(576)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,223</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,273</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,050</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INTEREST PAID ON:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing demand deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>28</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(6)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>22</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Savings deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(48)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(42)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(87</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(164)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(159)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>118</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(313</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(195</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other time deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(234)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(925)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,159)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(398</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,154</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,552</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal funds purchased and other short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>36</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>35</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Advances from Federal Home Loan Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>87</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(16)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>71</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(64</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(139</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(72)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(1,160)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(1,232)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(331</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(1,636</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(1,967</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Change in net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,341</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(685)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>656</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,554</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(1,637</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(83</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>LOAN QUALITY...</B>&nbsp;&nbsp;AmeriServ Financial&#146;s written lending policies require underwriting, loan documentation, and credit analysis standards to be met prior to funding any loan. After the loan has been approved and funded, continued periodic credit review is required. The Company&#146;s policy is to individually review, as circumstances warrant, each of its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. The
Company has also identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances of $250,000 or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and removed from the pool if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment. The following table sets forth information concerning AmeriServ&#146;s loan delinquency and other non-performing assets. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">21</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total loans past due 30 to 89 days</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,264</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,456</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,319</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-accrual loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,871</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,814</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,075</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-performing assets including TDRs<sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,109</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,224</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,199</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loan delinquency as a percentage of total loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.42%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.48</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-accrual loans as a percentage of total loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.37</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.81</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.76</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-performing assets as a percentage of total loans, net of unearned income, and other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.52</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.78</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-performing assets as a percentage of total assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.39</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.72</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.53</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total classified loans (loans rated substandard or doubtful)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11,779</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>22,717</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,542</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: left">Non-performing assets are comprised of (i) loans that are on a non-accrual basis, (ii) loans that are contractually past due 90 days or more as to interest and principal payments, (iii) performing loans classified as troubled debt restructuring and (iv) other real estate owned. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As a result of successful ongoing problem credit resolution efforts, the Company realized further asset quality improvements in 2013. These improvements are evidenced by reduced levels of non-accrual loans, non-performing assets, classified loans and low loan delinquency levels that continue to be well below 1% of total loans. We continue to closely monitor the loan portfolio given the slow recovery in the economy and the number of relatively large-sized commercial and commercial real estate loans within the portfolio. As of December 31, 2013, the 25 largest credits represented 28.7% of total loans outstanding. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">22</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>ALLOWANCE AND PROVISION FOR LOAN LOSSES...</B>&nbsp;&nbsp;As described in more detail in the Critical Accounting Policies and Estimates section of this MD&amp;A, the Company uses a comprehensive methodology and procedural discipline to maintain an allowance for loan losses to absorb inherent losses in the loan portfolio. The Company believes this is a critical accounting policy since it involves significant estimates and judgments. The following table sets forth changes in the allowance for loan losses and certain ratios for the periods ended. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="253"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATIOS AND PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at beginning of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,571</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,910</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Charge-offs:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(50)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(345</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(953</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(835</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,810</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by<BR> real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,777)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(796</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,700</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,221</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(840</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(139)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(420</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(85</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(293</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(128</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(154)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(200</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(352</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 40pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total charge-offs</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(2,120)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,761</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,941</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(5,631</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(5,130</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Recoveries:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>80</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>138</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>831</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>601</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by<BR> real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>481</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>245</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>331</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>48</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>122</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>54</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>53</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>42</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>70</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>159</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>145</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>113</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 40pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total recoveries</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>753</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>484</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,374</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>461</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>755</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net charge-offs</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,367)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,277</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,567</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5,170</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,375</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,100)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(775</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,575</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>15,150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Balance at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>10,104</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,571</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>14,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>19,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>19,685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans and loans held for sale, net of unearned income:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average for the year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>746,490</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>688,736</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>662,746</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>701,502</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>725,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>At December 31</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>786,748</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>731,741</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>670,847</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>678,181</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>722,904</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>As a percent of average loans:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net charge-offs</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.18%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.60</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(0.15)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(0.11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(0.54</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.09</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance as a percent of each of the following:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.29</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.95</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total delinquent loans (past due 30 to<BR> 89 days)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>309.56</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>363.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>440.58</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>708.17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>172.55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-accrual loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>351.93</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>216.22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>288.14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>160.83</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>115.01</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-performing assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>245.90</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>174.02</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>281.27</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>137.60</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>107.35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance as a multiple of net charge-offs</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7.39x</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.84x</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.33x</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.82x</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.50x</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company recorded for the 2013 year a negative loan loss provision of $1.1 million compared to a $775,000 negative provision for the 2012 year. There has been $325,000 more earnings benefit from negative loan loss provisions in 2013. The 2013 negative provision largely resulted from the release of reserves due to the fourth quarter pay-off of the Company&#146;s largest classified loan and a continued reduction in the level of criticized loans and non-performing assets. At December 31, 2013, non-performing assets are at their lowest point since the financial crisis and totaled $4.1 million or 0.52% of total loans which is
$3.1 million lower </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">23</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">than they were at the end of 2012. Net loan charge-offs for 2013 totaled $1.4 million or 0.18% of total loans which is comparable with 2012 when net charge-offs totaled $1.3 million or 0.19% of total loans. In summary, the allowance for loan losses provided 327% coverage of non-performing loans, and was 1.29% of total loans, at December 31, 2013, compared to 210% of non-performing loans, and 1.74% of total loans, at December 31, 2012. Given the overall decline in the balance of the allowance for loan losses, the Company&#146;s good asset quality and the expected growth of the loan portfolio, we presently do not anticipate that
we will record any further negative loan loss provisions in 2014. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As a result of the Company&#146;s continued good asset quality, we were again able to record a negative provision for loan losses in 2012; but at a lesser level than 2011. Specifically, the Company recorded a negative provision for loan losses of $775,000 in 2012 compared to a negative provision of $3.6 million in 2011. Overall, there was $2.8 million less earnings benefit from negative loan loss provisions in 2012. We also actively identify and seek prompt resolution to problem credits in order to limit actual losses. For 2012, net charge-offs totaled $1.3 million or 0.19% of total loans which represents a decrease from 2011
when net charge-offs totaled $1.6 million or 0.24% of total loans. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following schedule sets forth the allocation of the allowance for loan losses among various loan categories. This allocation is determined by using the consistent quarterly procedural discipline that was previously discussed. The entire allowance for loan losses is available to absorb future loan losses in any loan category. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="708" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="93"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="93"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=31>AT DECEMBER 31,</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>&nbsp;&nbsp;</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2009</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PERCENT OF LOANS IN EACH CATEGORY TO TOTAL LOANS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PERCENT OF LOANS IN EACH CATEGORY TO TOTAL LOANS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PERCENT OF LOANS IN EACH CATEGORY TO TOTAL LOANS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PERCENT OF LOANS IN EACH CATEGORY TO TOTAL LOANS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PERCENT OF LOANS IN EACH CATEGORY TO TOTAL LOANS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=3>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=31><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=3>&nbsp;&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,844</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15.3%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,596</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14.3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,365</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12.5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,851</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,756</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13.3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,885</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>52.6</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,796</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>53.2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,400</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>52.8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,717</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>54.6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,692</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>54.9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,260</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>30.1</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,269</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>30.2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,270</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,117</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>31.1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,015</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>29.2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>136</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.0</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>174</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>206</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>204</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allocation to general risk</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>979</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>760</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,414</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,874</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,018</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>10,104</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>100.0%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,571</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>14,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>19,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>19,685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Even though residential real estate-mortgage loans comprise 30.1% of the Company&#146;s total loan portfolio, only $1.3 million or 12.5% of the total allowance for loan losses is allocated against this loan category. The residential real estate-mortgage loan allocation is based upon the Company&#146;s three-year historical average of actual loan charge-offs experienced in that category and other qualitative factors. The disproportionately higher allocations for commercial loans and commercial loans secured by real estate reflect the increased credit risk associated with this type of lending, the Company&#146;s historical loss
experience in these categories, and other qualitative factors. The large decline in the part of the allowance allocated to commercial loans secured by real estate reflects the meaningful asset quality improvements in this sector. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Based on the Company&#146;s allowance for loan loss methodology and the related assessment of the inherent risk factors contained within the Company&#146;s loan portfolio, we believe that the allowance for loan losses is adequate at December 31, 2013 to cover losses within the Company&#146;s loan portfolio. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>NON-INTEREST INCOME...</B>&nbsp;&nbsp;Non-interest income for 2013 totalled $15.7 million, an increase of $801,000, or 5.4%, from 2012. Factors contributing to this higher level of non-interest income in 2013 included: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">a $544,000, or 7.5%, increase in trust and investment advisory fees due to increased assets under management which reflects both successful new business development efforts and market appreciation of existing assets given the strong equity market performance in 2013. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">24</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">a $204,000 investment security gain realized on the sale of certain rapidly prepaying mortgage backed securities in 2013. There were only $12,000 of investment security gains realized in 2012. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">a $135,000, or 15.6%, increase in Bank Owned Life Insurance due to the receipt of a death claim payment in 2013. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">a $43,000, or 3.8%, decrease in gains realized on residential mortgage loan sales into the secondary market due to a reduced level of mortgage loan production and refinance activity in the second half of 2013. The Company expects to experience a more meaningful drop in residential mortgage banking revenue in 2014 given the higher mortgage rates already in place. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Non-interest income for 2012 totalled $14.9 million, an increase of $1.4 million, or 10.1%, from 2011. Factors contributing to this higher level of non-interest income in 2012 included: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">a $354,000, or 5.7%, increase in trust fees as our wealth management businesses benefitted from the implementation of new fee schedules and improved asset values under management in 2012. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">a $320,000, or 39.4%, increase in gains realized on residential mortgage loan sales into the secondary market due to a record level of mortgage loan production in 2012. The lower long term interest rate environment contributed to increased mortgage purchase and refinance activity in 2012. Specifically, the Company sold $74 million of residential mortgage loans into the secondary market in 2012 compared to $60 million in 2011. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">a $411,000, or 13.4%, increase in other income again reflecting higher revenue from residential mortgage banking activities such as underwriting and documentation preparation fees. Also, a $162,000 increase in revenue from financial services (annuity and mutual funds sales) was another item contributing to the higher level of other income in 2012. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">a modest $12,000 investment security gain in 2012 compared to a $358,000 investment security loss in 2011 that resulted from a portfolio repositioning strategy. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>NON-INTEREST EXPENSE...</B>&nbsp;&nbsp;Non-interest expense for 2013 totalled $42.2 million, a $1.6 million, or 3.9%, increase from 2012. Factors contributing to the higher non-interest expense in 2013 included: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">a $691,000, or 2.8%, increase in salaries and employee benefits expense due to higher salaries expense and pension expense in 2013. The Company expects that its pension costs will decline in 2014 due to the higher interest rate environment in place to begin the year and the impact that a soft freeze of its defined benefit pension plan for both non-union employees (started January 1, 2013) and union employees (started January 1, 2014) will have on reducing pension expense in future periods. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">a $457,000 increase in professional fees due largely to higher legal costs, recruitment fees, and increases in several other professional fee categories which included the cost for outsourcing the computer operations function for part of the year. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">a $170,000 increase in FDIC insurance expense due largely to the Bank&#146;s increased asset size. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Non-interest expense for 2012 totalled $40.6 million, a $604,000, or 1.5%, increase from 2011. Factors contributing to the higher non-interest expense in 2012 included: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">a $1.8 million, or 8.0%, increase in salaries and employee benefits expense due to higher salaries expense, incentive compensation, and pension expense in 2012. The 2012 personnel expenses also reflect the staffing costs associated with new loan production offices in Altoona and Harrisburg, Pennsylvania, and Hagerstown, Maryland. Note that pension costs related to the Company&#146;s defined benefit pension plan increased by $429,000 or 24.6% in 2012 due to the impact that the low interest rate environment had on the discount rate used to calculate the plan liabilities. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">an $897,000, or 67.0%, decrease in FDIC insurance expense due to a change in the calculation methodology which took effect in the second half of 2011 and the Company&#146;s improved risk profile. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">25</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">The Company incurred a $240,000 prepayment penalty on the early retirement of $5.7 million of FHLB term advances in the fourth quarter of 2011. There was no such prepayment charge in 2012. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>INCOME TAX EXPENSE...</B>&nbsp;&nbsp;The Company recorded income tax expense of $2.3 million for 2013 which was modestly higher than the 2012 tax expense of $2.2 million due to increased pre-tax earnings in 2013. The 2013 effective tax rate of 30.6% was comparable with the 2012 effective tax rate of 30.8%. The income tax expense recorded in 2011 was $2.9 million. BOLI is the Company&#146;s largest source of tax-free earnings. The Company&#146;s deferred tax asset was $9.6 million at December 31, 2013 and relates primarily to net operating loss carryforwards and the allowance for loan losses. The deferred tax asset declined
by $1.9 million in 2013 primarily due to the utilization of net operating loss carryforwards. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>SEGMENT RESULTS...</B>&nbsp;&nbsp;Retail banking&#146;s net income contribution was $2.8 million in 2013 compared to $3.2 million in 2012 and $2.1 million in 2011. The reduced performance in 2013 was due largely to lower net interest income resulting from the previously discussed net interest margin pressure, modestly lower non-interest income and higher non-interest expense. The decline in non-interest income reflects decreased residential mortgage banking related revenues resulting from the reduced mortgage production in the second half of the year. The increase in non-interest expense is largely due to the previously
discussed $170,000 increase in FDIC deposit insurance expense in 2013. The increased net income in 2012 was due to increased net interest income resulting from a combination of increased deposit balances and lower deposit costs. Net income also benefitted from a $160,000 negative provision for loan losses and a $668,000 reduction in non-interest expense due to reduced staffing within the branch network and lower FDIC insurance expense. Non-interest income was higher between years due to increased gains on record residential mortgage loan sales into the secondary market in 2012. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The commercial banking segment reported net income of $5.0 million in 2013 compared to net income of $4.7 million in 2012 and $6.9 million in 2011. Continued improvements in asset quality again resulted in a negative provision for loan losses in 2013. Overall, there has been $393,000 additional earnings benefit from negative loan loss provisions in this segment in 2013. This segment also benefitted from a $1.2 million increase in net interest income due to growth in commercial loans in 2013. These positive items were partially offset by a $1.2 million increase in non-interest expense due to higher personnel costs, the costs
associated with all three new loan production offices being operational for the entire year and a $238,000 increase in the reserve for unfunded commitments due to increased loan approval activity. For the year 2012, sustained improvements in asset quality resulted in a credit provision for loan losses but at a lesser level than 2011. Overall, there was $2.7 million less earnings benefit from negative loan loss provisions in this segment in 2012. Non-interest expense in this segment was also negatively impacted by higher personnel expense and the costs associated with opening three new loan production offices. These negative factors were partially offset by a $639,000 increase in net interest income due to growth in commercial loans in 2012. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The trust segment&#146;s net income contribution was $1.2 million in 2013 compared to $945,000 in 2012 and $795,000 in 2011. The higher net income contribution in 2013 was due to $607,000 more revenue from increased assets under management which reflects both successful new business development efforts and market appreciation of existing assets given the strong equity market performance in 2013. This more than offset higher non-interest expense from increased personnel costs and professional fees. The 2012 increase in net income was caused by a $502,000 increase in revenue as our wealth management businesses benefitted from
the implementation of new fee schedules and higher asset values (both bond and equity) in 2012. Additionally, revenue generated from the financial services division (annuity and mutual fund sales) increased by $162,000 due to successful new business development efforts. These revenue increases more than offset a $269,000 increase in non-interest expense due primarily to higher personnel costs. Overall, the fair market value of trust assets under management totaled $1.669 billion at December 31, 2013, an increase of $156.3 million, or 10.3%, from the December 31, 2012 total of $1.512 billion. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The investment/parent segment reported a net loss of $3.8 million in 2013 which was comparable with the net loss of $3.7 million in 2012 and $3.3 million in 2011. A reduced level of investment securities and declining yields in the investment securities portfolio due to the continued low interest rate environment had a negative impact on net interest income in this segment. This margin pressure was somewhat offset by $204,000 of gains realized on the sale of certain rapidly prepaying mortgage backed securities in 2013. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">26</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Declining yields in the investment securities portfolio and the flatter yield curve negatively impacted this segment the most in 2012. Also, this segment was also negatively affected by the decline in the size of the securities portfolio during 2012. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For greater discussion on the future strategic direction of the Company&#146;s key business segments, see &#147;Management&#146;s Discussion and Analysis - Forward Looking Statements.&#148; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>BALANCE SHEET...</B>&nbsp;&nbsp;The Company's total consolidated assets of $1.056 billion at December 31, 2013 grew by $55 million or 5.5% from the $1.0 billion level at December 31, 2012. This asset growth was due primarily to a $55.0 million or 7.5% increase in total loans in 2013. This loan growth reflects the successful results of the Company&#146;s more intensive sales calling efforts with an emphasis on generating commercial loans and owner occupied commercial real estate loans which qualify as SBLF loans, particularly through its loan production offices. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company funded the previously mentioned asset growth with a combination of both increased deposits ($19 million) and FHLB short-term borrowings and advances ($38 million). The FHLB term advances, with maturities between 3 and 5 years, now total $25 million as the Company has utilized these advances to help manage interest rate risk in a rising rate environment. Other liabilities declined by $4.5 million due to a reduction in the Company&#146;s pension liability. Total stockholders&#146; equity increased by $2.8 million since year-end 2012 mainly due to increased retained earnings as the Company&#146;s net income available
to common shareholders more than exceeded funds used for a common stock repurchase program and the reinstatement of a common stock cash dividend in 2013. The Company continues to be considered well capitalized for regulatory purposes with a risk based capital ratio of 15.28%, an asset leverage ratio of 11.45%, and a tangible common equity to tangible assets ratio of 7.64% at December 31, 2013. The Company&#146;s book value per common share was $4.91 and its tangible book value per common share was $4.24 at December 31, 2013. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>LIQUIDITY...</B>&nbsp;&nbsp;The Company&#146;s liquidity position has been strong during the last several years. Our core retail deposit base has grown over the past three years and has been adequate to fund the Company&#146;s operations. Cash flow from maturities, prepayments and amortization of securities was also used to help fund loan growth over the past two years. We strive to operate our loan to deposit ratio in a range of 85% to 95%. At December 31, 2013, the Company&#146;s loan to deposit ratio was 92.1%. We are optimistic that we can further increase the loan to deposit ratio in 2014 given current commercial loan
pipelines, further development of three new loan production offices opened in 2012, and our focus on small business lending. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Liquidity can also be analyzed by utilizing the Consolidated Statement of Cash Flows. Cash and cash equivalents increased by $3.2 million from December 31, 2012, to December 31, 2013, due to $54.7 million of cash provided by financing activities and $14.9 of cash provided by operating activities. This was partially offset by $66.3 million of cash used in investing activities. Within investing activities, cash advanced for new loan fundings and purchases totalled $219.4 million and was $64.1 million higher than the $155.2 million of cash received from loan principal payments and sales. Within financing activities, deposits
increased by $18.7 million, which was used to help fund the overall loan growth experienced in 2013. Total FHLB borrowings increased as advances, both short-term and long term, exceeded pay downs by $38 million and was also utilized to fund earning asset growth. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The holding company had a total of $18.6 million of cash, short-term investments, and investment securities at December 31, 2013, which was up $2.1 million from the year-end 2012 total. Additionally, dividend payments from our subsidiaries can also provide ongoing cash to the holding company. As such, the holding company has strong liquidity to meet its trust preferred debt service requirements and preferred and common stock dividends, which should approximate $2 million over the next twelve months. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Financial institutions must maintain liquidity to meet day-to-day requirements of depositors and borrowers, take advantage of market opportunities, and provide a cushion against unforeseen needs. Liquidity needs can be met by either reducing assets or increasing liabilities. Sources of asset liquidity are provided by short-term investment securities, time deposits with banks, federal funds sold, and short-term investments in money market funds. These assets totaled $30 million at both December 31, 2013 and 2012, respectively. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">27</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Maturing and repaying loans, as well as the monthly cash flow associated with mortgage-backed securities and security maturities are other significant sources of asset liquidity for the Company. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Liability liquidity can be met by attracting deposits with competitive rates, using repurchase agreements, buying federal funds, or utilizing the facilities of the Federal Reserve or the Federal Home Loan Bank systems. The Company utilizes a variety of these methods of liability liquidity. Additionally, the Company&#146;s subsidiary bank is a member of the Federal Home Loan Bank, which provides the opportunity to obtain short-to longer-term advances based upon the Company&#146;s investment in assets secured by one- to four-family residential real estate. At December 31, 2013, the Company had $318 million of overnight borrowing
availability at the FHLB, $42 million of short-term borrowing availability at the Federal Reserve Bank and $39 million of unsecured federal funds lines with correspondent banks. The Company believes it has ample liquidity available to fund outstanding loan commitments if they were fully drawn upon. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>CAPITAL RESOURCES...</B>&nbsp;&nbsp;The Company meaningfully exceeds all regulatory capital ratios for each of the periods presented and is considered well capitalized. The asset leverage ratio was 11.45% and the risk based capital ratio was 15.28% at December 31, 2013. The Company&#146;s tangible common equity to tangible assets ratio was 7.64% at December 31, 2013. These ratios reflect the completion of a $1.2 million common stock buyback program where we repurchased 2% of our outstanding shares during the second quarter of 2013. Since we resumed common stock repurchases in the fourth quarter of 2011, in total we have
repurchased 2,429,200 shares or 11.5% of our common stock at a total cost of $6.2 million or an average price of $2.54 per share. All previously announced board approved common stock repurchase programs are now completed. We anticipate that we will maintain our strong capital ratios throughout 2014. Capital generated from earnings will be utilized to pay the SBLF preferred dividend, common stock cash dividend and will also support anticipated balance sheet growth. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On July 2, 2013, the Board of Governors of the Federal Reserve System approved final rules that substantially amend the regulatory risk-based capital rules applicable to the Company and the Bank. The final rules implement the &#147;Basel III&#148; regulatory capital reforms, as well as certain changes required by the Dodd-Frank Act. The July 2013 final rules generally implement higher minimum capital requirements, add a new common equity tier 1 capital requirement, and establish criteria that instruments must meet to be considered common equity tier 1 capital, additional tier 1 capital or tier 2 capital. The new minimum
capital to risk-adjusted assets requirements are a common equity tier 1 capital ratio of 4.5% (6.5% to be considered &#147;well capitalized&#148;) and a tier 1 capital ratio of 6.0%, increased from 4.0% (and increased from 6.0% to 8.0% to be considered &#147;well capitalized&#148;); the total capital ratio remains at 8.0% under the new rules (10.0% to be considered &#147;well capitalized&#148;). Under the new rules, in order to avoid limitations on capital distributions (including dividend payments and certain discretionary bonus payments to executive officers), a banking organization must hold a capital conservation buffer comprised of common equity tier 1 capital above its minimum risk-based capital requirements in an amount greater than 2.5% of total risk-weighted assets. The new minimum capital requirements are effective on January 1, 2015. The capital contribution buffer requirements phase in over a three-year period beginning January 1, 2016. The Company is continuing to review
the impact of these new rules and currently expects that its capital position will be more than adequate to meet the revised regulatory capital requirements. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>INTEREST RATE SENSITIVITY...</B>&nbsp;&nbsp;Asset/liability management involves managing the risks associated with changing interest rates and the resulting impact on the Company&#146;s net interest income, net income and capital. The management and measurement of interest rate risk at the Company is performed by using the following tools: 1) simulation modeling, which analyzes the impact of interest rate changes on net interest income, net income and capital levels over specific future time periods. The simulation modeling forecasts earnings under a variety of scenarios that incorporate changes in the absolute level of
interest rates, the shape of the yield curve, prepayments and changes in the volumes and rates of various loan and deposit categories. The simulation modeling incorporates assumptions about reinvestment and the repricing characteristics of certain assets and liabilities without stated contractual maturities; 2) market value of portfolio equity sensitivity analysis, and 3) static GAP analysis, which analyzes the extent to which interest rate sensitive assets and interest rate sensitive liabilities are matched at specific points in time. The overall interest rate risk position and strategies are reviewed by senior management and the Company&#146;s Board of Directors on an ongoing basis. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">28</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents a summary of the Company&#146;s static GAP positions at December 31, 2013: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="226"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>INTEREST SENSITIVITY PERIOD</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>3 MONTHS OR LESS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OVER<BR> 3 MONTHS THROUGH 6 MONTHS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OVER<BR> 6 MONTHS THROUGH 1 YEAR</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OVER<BR> 1 YEAR</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATIOS AND PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>RATE SENSITIVE ASSETS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans and loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>203,403</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>57,876</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>85,588</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>439,881</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>786,748</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>25,857</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,305</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,130</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>112,873</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>160,165</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,778</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,778</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Regulatory stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,677</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,125</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,802</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>36,669</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>36,669</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total rate sensitive assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>243,715</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>64,181</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>137,387</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>554,879</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,000,162</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>RATE SENSITIVE LIABILITIES:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>154,002</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>154,002</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NOW</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,491</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>80,435</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>84,926</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>181,469</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>38,332</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>219,801</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other savings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>21,913</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>65,742</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>87,655</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Certificates of deposit of $100,000 or more</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,399</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>20,763</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,947</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,178</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>47,287</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other time deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>68,204</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>32,703</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>27,818</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>132,126</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>260,851</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>283,476</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>53,466</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>31,765</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>485,815</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>854,522</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>41,555</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>-</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>-</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>38,085</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>79,640</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total rate sensitive liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>325,031</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>53,466</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>31,765</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>523,900</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>934,162</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INTEREST SENSITIVITY GAP:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interval</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(81,316)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,715</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>105,622</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>30,979</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Cumulative</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(81,316)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(70,601)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>35,021</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>66,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>66,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Period GAP ratio</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.75X</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.20X</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.33X</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.06X</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cumulative GAP ratio</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.75</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.81</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.09</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.07</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Ratio of cumulative GAP to<BR> total assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(7.70)%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(6.69)%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.32%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6.25%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">When December 31, 2013 is compared to December 31, 2012, the Company&#146;s cumulative GAP ratio through one year indicates that the Company&#146;s balance sheet is still asset sensitive but to a lesser extent than it was at the end of 2012. This reflects loan customer preference over the past year for fixed rate loans given the overall low level of interest rates. Also, the cash flow from mortgage backed securities did slow in the second half of 2013. The absolute low level of short interest rates makes this table more difficult to analyze since there is little room for certain deposit liabilities to reprice downward further.
</P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management places primary emphasis on simulation modeling to manage and measure interest rate risk. The Company&#146;s asset/liability management policy seeks to limit net interest income variability over the first twelve months of the forecast period to +/-7.5%, which include interest rate movements of 200 basis points. Additionally, the Company also uses market value sensitivity measures to further evaluate the balance sheet exposure to changes in interest rates. The Company monitors the trends in market value of portfolio equity sensitivity analysis on a quarterly basis. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">29</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents an analysis of the sensitivity inherent in the Company&#146;s net interest income and market value of portfolio equity. The interest rate scenarios in the table compare the Company&#146;s base forecast, which was prepared using a flat interest rate scenario, to scenarios that reflect immediate interest rate changes of 100 and 200 basis points. Note that we suspended the 200 basis point downward rate shock since it has little value due to the absolute low level of interest rates. Each rate scenario contains unique prepayment and repricing assumptions that are applied to the Company&#146;s existing
balance sheet that was developed under the flat interest rate scenario. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="429"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>INTEREST RATE SCENARIO</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>VARIABILITY OF NET INTEREST INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CHANGE IN MARKET VALUE OF PORTFOLIO EQUITY</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>200 bp increase</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(0.1)%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6.5%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>100 bp increase</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.5</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.8</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>100 bp decrease</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(3.6)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(12.0)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The variability of net interest income is negative in the 100 basis point downward rate scenario as the Company has more exposure to assets repricing downward to a greater extent than liabilities due to the absolute low level of interest rates with the fed funds rate currently at 0.25%. The variability of net interest income is modestly positive in the 100 basis point upward rate shocks and close to neutral in the 200 basis point upward shock which indicates that the Company&#146;s overall interest rate risk position is well controlled. The Company&#146;s short duration investment securities portfolio and scheduled repricing
of certain loans now tied to LIBOR or prime help us manage the overall interest rate risk position given customer preference for fixed rate loans. Also, the Company expects that it will not have to reprice its core deposit accounts up as quickly when interest rates rise. The market value of portfolio equity increases in the upward rate shocks due to the improved value of the Company&#146;s core deposit base. Negative variability of market value of portfolio equity occurs in the downward rate shock due to a reduced value for core deposits. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Within the investment portfolio at December 31, 2013, 89% of the portfolio is classified as available for sale and 11% as held to maturity. The available for sale classification provides management with greater flexibility to manage the securities portfolio to better achieve overall balance sheet rate sensitivity goals and provide liquidity if needed. The mark to market of the available for sale securities does inject more volatility in the book value of equity, but has no impact on regulatory capital. There are 60 securities that are temporarily impaired at December 31, 2013. The Company reviews its securities quarterly and
has asserted that at December 31, 2013, the impaired value of securities represents temporary declines due to movements in interest rates and the Company does have the ability and intent to hold those securities to maturity or to allow a market recovery. Furthermore, it is the Company&#146;s intent to manage its long-term interest rate risk by continuing to sell newly originated fixed-rate 30-year mortgage loans into the secondary market (excluding construction and any jumbo loans). The Company also sells 15-year fixed-rate mortgage loans into the secondary market as well, depending on market conditions. For the year 2013, 58% of all residential mortgage loan production was sold into the secondary market. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">30</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The amount of loans outstanding by category as of December 31, 2013, which are due in (i) one year or less, (ii) more than one year through five years, and (iii) over five years, are shown in the following table. Loan balances are also categorized according to their sensitivity to changes in interest rates. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="258"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>ONE YEAR OR LESS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>MORE THAN ONE YEAR THROUGH FIVE YEARS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OVER FIVE YEARS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL<BR> LOANS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATIOS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>24,237</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>70,899</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>24,966</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>120,102</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>29,236</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>182,419</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>200,036</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>411,691</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>44,595</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>78,879</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>115,617</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>239,091</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>5,322</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>7,004</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,538</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>15,864</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>103,390</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>339,201</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>344,157</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>786,748</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans with fixed-rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 70,510</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>181,910</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B> 198,429</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>450,849</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Loans with floating-rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>32,880</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>157,291</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>145,728</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>335,899</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>103,390</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>339,201</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>344,157</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>786,748</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Percent composition of maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13.1%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>43.2%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>43.7%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>100.0%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fixed-rate loans as a percentage of total<BR> loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>57.3%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Floating-rate loans as a percentage of total loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>42.7%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The loan maturity information is based upon original loan terms and is not adjusted for principal paydowns and rollovers. In the ordinary course of business, loans maturing within one year may be renewed, in whole or in part, as to principal amount at interest rates prevailing at the date of renewal. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>CONTRACTUAL OBLIGATIONS...</B>&nbsp;&nbsp;The following table presents, as of December 31, 2013, significant fixed and determinable contractual obligations to third parties by payment date. Further discussion of the nature of each obligation is included in the referenced note to the consolidated financial statements. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="154"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>PAYMENTS DUE IN</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>NOTE REFERENCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>ONE YEAR OR LESS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>ONE TO THREE YEARS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>THREE TO FIVE YEARS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OVER FIVE YEARS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits without a stated maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>546,384</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>546,384</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Certificates of deposit*</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>162,957</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>80,456</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>23,923</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>52,515</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>319,851</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Borrowed funds*</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>41,696</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>16,427</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,401</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>67,524</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Guaranteed junior subordinated deferrable interest debentures*</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>26,630</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>26,630</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Pension obligation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Lease commitments</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>712</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,307</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>877</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,931</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,827</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">Includes interest based upon interest rates in effect at December 31, 2013. Future changes in market interest rates could materially affect contractual amounts to be paid. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>OFF BALANCE SHEET ARRANGEMENTS...</B>&nbsp;&nbsp;The Company incurs off-balance sheet risks in the normal course of business in order to meet the financing needs of its customers. These risks derive from commitments to extend credit and standby letters of credit. Such commitments and standby letters of credit involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated financial statements. The Company&#146;s exposure to credit loss in the event of nonperformance by the other party </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">31</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">to these commitments to extend credit and standby letters of credit is represented by their contractual amounts. The Company uses the same credit and collateral policies in making commitments and conditional obligations as for all other lending. The Company had various outstanding commitments to extend credit approximating $146.0 million and standby letters of credit of $13.2 million as of December 31, 2013. The Company can also use various interest rate contracts, such as interest rate swaps, caps, floors and swaptions to help manage interest rate and market valuation risk exposure, which is incurred in normal recurrent
banking activities. The Company had no interest rate contracts outstanding as of December 31, 2013. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>CRITICAL ACCOUNTING POLICIES AND ESTIMATES...</B>&nbsp;&nbsp;The accounting and reporting policies of the Company are in accordance with Generally Accepted Accounting Principles and conform to general practices within the banking industry. Accounting and reporting policies for the allowance for loan losses, goodwill, income taxes, and investment securities are deemed critical because they involve the use of estimates and require significant management judgments. Application of assumptions different than those used by the Company could result in material changes in the Company&#146;s financial position or results of
operation. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ACCOUNT&nbsp;&#151;&nbsp;Allowance for Loan Losses </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">BALANCE SHEET REFERENCE&nbsp;&#151;&nbsp;Allowance for Loan Losses </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INCOME STATEMENT REFERENCE&nbsp;&#151;&nbsp;Provision (Credit) for Loan Losses </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DESCRIPTION </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The allowance for loan losses is calculated with the objective of maintaining reserve levels believed by management to be sufficient to absorb estimated probable credit losses. Management&#146;s determination of the adequacy of the allowance is based on periodic evaluations of the credit portfolio and other relevant factors. However, this quarterly evaluation is inherently subjective as it requires material estimates, including, among others, likelihood of customer default, loss given default, exposure at default, the amounts and timing of expected future cash flows on impaired loans, value of collateral, estimated losses on
consumer loans and residential mortgages, and general amounts for historical loss experience. This process also considers economic conditions, uncertainties in estimating losses and inherent risks in the various credit portfolios. All of these factors may be susceptible to significant change. Also, the allocation of the allowance for credit losses to specific loan pools is based on historical loss trends and management&#146;s judgment concerning those trends. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Commercial and commercial real estate loans are the largest category of credits and the most sensitive to changes in assumptions and judgments underlying the determination of the allowance for loan loss. Approximately $7.7 million, or 76%, of the total allowance for loan losses at December 31, 2013 has been allocated to these two loan categories. This allocation also considers other relevant factors such as actual versus estimated losses, economic trends, delinquencies, levels of non-performing and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results,
effects of any changes in lending policies and trends in policy, financial information and documentation exceptions. To the extent actual outcomes differ from management estimates, additional provision for credit losses may be required that would adversely impact earnings in future periods. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ACCOUNT&nbsp;&#151;&nbsp;Goodwill </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">BALANCE SHEET REFERENCE&nbsp;&#151;&nbsp;Goodwill </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INCOME STATEMENT REFERENCE&nbsp;&#151;&nbsp;Goodwill impairment </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DESCRIPTION </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company considers our accounting policies related to goodwill to be critical because the assumptions or judgment used in determining the fair value of assets and liabilities acquired in past acquisitions are subjective and complex. As a result, changes in these assumptions or judgment could have a significant impact on our financial condition or results of operations. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of acquired assets and liabilities, including the resulting goodwill, was based either on quoted market prices or provided by other third party sources, when available. When third party information was not available, estimates were made in good faith by management primarily through the use of internal </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">32</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">cash flow modeling techniques. The assumptions that were used in the cash flow modeling were subjective and are susceptible to significant changes. The Company routinely utilizes the services of an independent third party that is regarded within the banking industry as an expert in valuing core deposits to monitor the ongoing value and changes in the Company&#146;s core deposit base. These core deposit valuation updates are based upon specific data provided from statistical analysis of the Company&#146;s own deposit behavior to estimate the duration of these non-maturity deposits combined with market interest rates and other
economic factors. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company&#146;s goodwill relates to value inherent in the banking and wealth management businesses, and the value is dependent upon the Company&#146;s ability to provide quality, cost-effective services in the face of free competition from other market participants on a regional basis. This ability relies upon continuing investments in processing systems, the development of value-added service features and the ease of use of the Company&#146;s services. As such, goodwill value is
supported ultimately by revenue and cash flow contribution that is driven by the volume of business transacted and the loyalty of the Company&#146;s deposit and customer base over a longer time frame. The quality and value of a Company&#146;s assets is also an important factor to consider when performing goodwill impairment testing. A decline in earnings as a result of a lack of growth or the inability to deliver cost-effective value added services over sustained periods can lead to impairment of goodwill. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Goodwill which has an indefinite useful life is tested for impairment at least annually and written down and charged to results of operations only in periods in which the recorded value is more than the estimated fair value. As of December 31, 2013, goodwill was not considered impaired; however, deteriorating economic conditions could result in impairment, which could adversely affect earnings in future periods. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ACCOUNT&nbsp;&#151;&nbsp;Income Taxes </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">BALANCE SHEET REFERENCE&nbsp;&#151;&nbsp;Net Deferred Tax Asset </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INCOME STATEMENT REFERENCE&nbsp;&#151;&nbsp;Provision for Income Taxes </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DESCRIPTION </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The provision for income taxes is the sum of income taxes both currently payable and deferred. The changes in deferred tax assets and liabilities are determined based upon the changes in differences between the basis of assets and liabilities for financial reporting purposes and the basis of assets and liabilities as measured by the enacted tax rates that management estimates will be in effect when the differences reverse. This income tax review is completed on a quarterly basis. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In relation to recording the provision for income taxes, management must estimate the future tax rates applicable to the reversal of tax differences, make certain assumptions regarding whether tax differences are permanent or temporary and the related timing of the expected reversal. Also, estimates are made as to whether taxable operating income in future periods will be sufficient to fully recognize any gross deferred tax assets. If recovery is not likely, we must increase our provision for taxes by recording a valuation allowance against the deferred tax assets that we estimate will not ultimately be recoverable.
Alternatively, we may make estimates about the potential usage of deferred tax assets that decrease our valuation allowances. As of December 31, 2013, we believe that all of the deferred tax assets recorded on our balance sheet will ultimately be recovered and that no valuation allowances were needed. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In addition, the calculation of our tax liabilities involves dealing with uncertainties in the application of complex tax regulations. We recognize liabilities for anticipated tax audit issues based on our estimate of whether, and the extent to which, additional taxes will be due. If we ultimately determine that payment of these amounts is unnecessary, we reverse the liability and recognize a tax benefit during the period in which we determine that the liability is no longer necessary. We record an additional charge in our provision for taxes in the period in which we determine that the recorded tax liability is less than we
expect the ultimate assessment to be. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">33</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ACCOUNT&nbsp;&#151;&nbsp;Investment Securities </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">BALANCE SHEET REFERENCE&nbsp;&#151;&nbsp;Investment Securities </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INCOME STATEMENT REFERENCE&nbsp;&#151;&nbsp;Net realized gains (losses) on investment securities </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">DESCRIPTION </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security&#146;s performance, the creditworthiness of the issuer and the Company&#146;s intent and ability to hold the security to recovery. A decline in value that is considered to be other-than-temporary is recorded as a loss within non-interest income in the Consolidated Statements of Operations. At December
31, 2013, the unrealized losses in the available-for-sale security portfolio were comprised of securities issued by government agencies or government sponsored agencies and certain high quality corporate securities. The Company believes the unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">FORWARD LOOKING STATEMENTS... </H2>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">THE STRATEGIC FOCUS: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The challenge for the future is to improve earnings performance to peer levels through a disciplined focus on community banking and improving the profitability of our Trust Company. In accordance with our strategic plan, AmeriServ will maintain its focus as a community bank delivering banking and trust services to the best of our ability and focus on further growing revenues by leveraging our strong capital base and infrastructure. This Company will not succumb to the lure of quick fixes and fancy financial gimmicks. It is our plan to continue to build AmeriServ into a potent banking force in this region and in this industry.
Our focus encompasses the following: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">Customer Service&nbsp;&#151;&nbsp;it is the existing and prospective customer that AmeriServ must satisfy. This means good products and fair prices. But it also means quick response time and professional competence. It means speedy problem resolution and a minimizing of bureaucratic frustrations. AmeriServ is training and motivating its staff to meet these standards while providing customers with more banking options that involve leading technologies such as computers, smartphones, and tablets to conduct business. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">Revenue Growth&nbsp;&#151;&nbsp;It is necessary for AmeriServ to focus on growing revenues. This means loan growth, deposit growth and fee growth. It also means close coordination between all customer service areas so as many revenue producing products as possible can be presented to existing and prospective customers. The Company&#146;s Strategic Plan contains action plans in each of these areas particularly on increasing loans through several loan production offices. There will be a particular focus on small business commercial lending. An examination of the peer bank database provides ample proof that a well-executed community banking business model can generate a reliable and rewarding revenue stream. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">Expense Rationalization&nbsp;&#151;&nbsp;AmeriServ Financial remains focused on trying to rationalize expenses. This has not been a program of broad based cuts, but has been targeted so AmeriServ stays strong but spends less. The Company has identified approximately $1 million of non-interest expense savings for 2014 some of which may be utilized to fund new revenue growth initiatives such as another loan production office or increased technological related investments. It is critical to be certain that future expenditures are directed to areas that are playing a positive role in the drive to improve revenues. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">34</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">This Form 10-K contains various forward-looking statements and includes assumptions concerning the Company&#146;s beliefs, plans, objectives, goals, expectations, anticipations, estimates, intentions, operations, future results, and prospects, including statements that include the words &#147;may,&#148; &#147;could,&#148; &#147;should,&#148; &#147;would,&#148; &#147;believe,&#148; &#147;expect,&#148; &#147;anticipate,&#148; &#147;estimate,&#148; &#147;intend,&#148; &#147;plan&#148; or similar expressions. These forward-looking statements are based upon current expectations, are subject to risk and uncertainties and are
applicable only as of the dates of such statements. Forward-looking statements involve risks, uncertainties and assumptions. Although we do not make forward-looking statements unless we believe we have a reasonable basis for doing so, we cannot guarantee their accuracy. You should not put undue reliance on any forward-looking statements. These statements speak only as of the date of this Form 10-K, even if subsequently made available on our website or otherwise, and we undertake no obligation to update or revise these statements to reflect events or circumstances occurring after the date of this Form 10-K. In connection with the &#147;safe harbor&#148; provisions of the Private Securities Litigation Reform Act of 1995, the Company provides the following cautionary statement identifying important factors (some of which are beyond the Company&#146;s control) which could cause the actual results or events to differ materially from those set forth in or implied by the forward-looking
statements and related assumptions. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Such factors include the following: (i) the effect of changing regional and national economic conditions; (ii) the effects of trade, monetary and fiscal policies and laws, including interest rate policies of the Board of Governors of the Federal Reserve System; (iii) significant changes in interest rates and prepayment speeds; (iv) inflation, stock and bond market, and monetary fluctuations; (v) credit risks of commercial, real estate, consumer, and other lending activities; (vi) changes in federal and state banking and financial services laws and regulations; (vii) the presence in the Company&#146;s market area of competitors
with greater financial resources than the Company; (viii) the timely development of competitive new products and services by the Company and the acceptance of those products and services by customers and regulators (when required); (ix) the willingness of customers to substitute competitors&#146; products and services for those of the Company and vice versa; (x) changes in consumer spending and savings habits; (xi) unanticipated regulatory or judicial proceedings; and (xii) other external developments which could materially impact the Company&#146;s operational and financial performance. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The foregoing list of important factors is not exclusive, and neither such list nor any forward-looking statement takes into account the impact that any future acquisition may have on the Company and on any such forward-looking statement. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tQQD"></a>ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Risk identification and management are essential elements for the successful management of the Company. In the normal course of business, the Company is subject to various types of risk, including interest rate, credit, and liquidity risk. The Company controls and monitors these risks with policies, procedures, and various levels of managerial and Board oversight. The Company&#146;s objective is to optimize profitability while managing and controlling risk within Board approved policy limits. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Interest rate risk is the sensitivity of net interest income and the market value of financial instruments to the magnitude, direction, and frequency of changes in interest rates. Interest rate risk results from various repricing frequencies and the maturity structure of assets, liabilities, and hedges. The Company uses its asset liability management policy and hedging policy to control and manage interest rate risk. For information regarding the effect of changing interest rates on the Company&#146;s net interest income and market value of its investment portfolio, see &#147;Management&#146;s Discussion and Analysis of
Financial Condition and Results of Operations&nbsp;&#151;&nbsp;Interest Rate Sensitivity.&#148; </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Liquidity risk represents the inability to generate cash or otherwise obtain funds at reasonable rates to satisfy commitments to borrowers, as well as, the obligations to depositors, debtholders and to fund operating expenses. The Company uses its asset liability management policy and contingency funding plan to control and manage liquidity risk. See &#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations&nbsp;&#151;&nbsp;Liquidity.&#148; </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">35</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Credit risk represents the possibility that a customer may not perform in accordance with contractual terms. Credit risk results from extending credit to customers, purchasing securities, and entering into certain off-balance sheet loan funding commitments. The Company&#146;s primary credit risk occurs in the loan portfolio. The Company uses its credit policy and disciplined approach to evaluating the adequacy of the allowance for loan losses to control and manage credit risk. The Company&#146;s investment policy and hedging policy strictly limit the amount of credit risk that may be assumed in the investment portfolio and
through hedging activities. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For information regarding the market risk of the Company&#146;s financial instruments, see &#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations&nbsp;&#151;&nbsp;Interest Rate Sensitivity.&#148; The Company&#146;s principal market risk exposure is to interest rates. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">36</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tFSS"></a>ITEM 8. CONSOLIDATED FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA </P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tCBS"></a>AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> CONSOLIDATED BALANCE SHEETS </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="440"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT<BR> SHARE DATA)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="text-align: center; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>ASSETS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and due from depository institutions</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>20,288</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>17,808</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,967</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,730</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Short-term investments in money market funds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,811</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>30,066</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>26,820</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>141,978</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>151,538</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Held to maturity (fair value $17,788 at December 31, 2013 and $14,266 at December 31, 2012)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18,187</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,723</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,402</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,576</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>783,927</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>721,802</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Less: Unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>581</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>637</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,104</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>12,571</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>773,242</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>708,594</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Premises and equipment, net</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13,119</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,798</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued interest income receivable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,908</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,960</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Goodwill</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,613</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,613</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>36,669</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,214</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net deferred tax asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,572</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,467</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal Home Loan Bank stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,677</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,179</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal Reserve Bank stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,125</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,125</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Prepaid federal deposit insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,444</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>7,478</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,940</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL ASSETS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,056,036</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,000,991</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="text-align: center; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>LIABILITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>154,002</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>156,223</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>700,520</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>679,511</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>854,522</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>835,734</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>41,555</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,660</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Advances from Federal Home Loan Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>25,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Guaranteed junior subordinated deferrable interest debentures</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>13,085</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total borrowed funds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>79,640</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>41,745</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>8,567</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,044</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL LIABILITIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>942,729</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>890,523</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>STOCKHOLDERS&#146; EQUITY<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Preferred stock, no par value; $1,000 per share liquidation preference; 2,000,000 shares authorized; there were 21,000 shares issued and outstanding on December 31, 2013 and 2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>21,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Common stock, par value $0.01 per share; 30,000,000 shares authorized: 26,402,007 shares issued and 18,784,188 shares outstanding on December 31, 2013; 26,398,540 shares issued and 19,164,721 shares outstanding on December 31, 2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>264</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>264</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Treasury stock at cost, 7,617,819 shares on December 31, 2013 and 7,233,819 shares on December 31, 2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(74,829)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(73,658</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Capital surplus</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>145,190</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>145,102</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Retained earnings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>27,557</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>23,139</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Accumulated other comprehensive loss, net</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(5,875)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(5,379</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL STOCKHOLDERS&#146; EQUITY</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>113,307</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>110,468</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL LIABILITIES AND STOCKHOLDERS&#146; EQUITY</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,056,036</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,000,991</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR>See accompanying notes to consolidated financial statements.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">37</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tCSO"></a>AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> CONSOLIDATED STATEMENTS OF OPERATIONS </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="384"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT<BR> PER SHARE DATA)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INTEREST INCOME<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest and fees on loans:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Taxable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>35,06</B>3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>34,752</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35,630</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tax exempt</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>57</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>63</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>69</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term investments in money market funds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal funds sold</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,701</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,634</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,837</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>508</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>440</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>403</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total Interest Income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>39,343</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>39,917</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>41,964</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INTEREST EXPENSE<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,164</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,502</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,335</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>46</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Advances from Federal Home Loan Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>152</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>81</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>220</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Guaranteed junior subordinated deferrable interest debentures</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,120</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total Interest Expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,482</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,714</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>9,681</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net Interest Income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>32,861</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,283</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Credit provision for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,100)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(775</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,575</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net Interest Income after credit provision for Loan Losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>33,961</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>32,978</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>35,858</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NON-INTEREST INCOME<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Trust fees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,917</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,527</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,173</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment advisory fees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>895</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>741</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>754</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net gains on loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,089</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,132</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>812</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net realized gains (losses) on investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>204</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(358</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Service charges on deposit accounts</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,173</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,195</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>998</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>863</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>885</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,468</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,473</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,062</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total Non-Interest Income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>15,744</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>14,943</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,569</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NON-INTEREST EXPENSE<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Salaries and employee benefits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>25,115</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>24,424</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>22,616</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net occupancy expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,937</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,800</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,900</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equipment expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,851</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,764</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,686</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Professional fees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,327</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,875</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Supplies, postage, and freight</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>810</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>830</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>886</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Miscellaneous taxes and insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,467</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,439</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,372</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal deposit insurance expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>611</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>441</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,338</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Federal Home Loan Bank prepayment penalties</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>240</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>5,105</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,073</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total Non-Interest Expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>42,223</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40,641</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40,037 </TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR>See accompanying notes to consolidated financial statements.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">38</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="384"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT<BR> PER SHARE DATA)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PRETAX INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,482</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,390</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,289</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,853</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NET INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,193</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Preferred stock dividends and accretion of preferred stock discount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>209</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>828</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,385</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>NET INCOME AVAILABLE TO COMMON SHAREHOLDERS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>4,984</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,211</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,152</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PER COMMON SHARE DATA:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.26</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average number of shares outstanding</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18,942</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,184</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.26</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average number of shares outstanding</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>19,034</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,747</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,205</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends declared</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.03</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR>See accompanying notes to consolidated financial statements.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">39</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tCSCI"></a>AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="372"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>COMPREHENSIVE INCOME<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,193</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other comprehensive income (loss), before tax:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Pension obligation change for defined benefit plan</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,942</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,128</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,803</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income tax effect</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,340)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>725</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>613</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Unrealized holding gains (losses) on available for sale securities arising during period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(4,489)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(466</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,266</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income tax effect</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,526</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>158</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,110</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Reclassification adjustment for losses (gains) on available for sale securities included in net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(204)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>358</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Income tax effect</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>69</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(122</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other comprehensive income (loss)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(496)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,719</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,202</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Comprehensive income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>4,697</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,320</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>7,739</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR>See accompanying notes to consolidated financial statements.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">40</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tCSCS"></a>AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS&#146; EQUITY </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="372"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>PREFERRED STOCK<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at beginning of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>21,00</B>0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20,669</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Accretion of preferred stock discount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>331</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>21,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>21,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>21,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>COMMON STOCK<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at beginning of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>264</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>264</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>264</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>264</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>264</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>264</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>TREASURY STOCK<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at beginning of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(73,658)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(69,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(68,659</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Treasury stock, purchased at cost (384,000, 1,757,800 and<BR> 287,400 shares, respectively)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,171)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(4,417</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(582</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(74,829)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(73,658</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(69,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>CAPITAL SURPLUS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at beginning of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>145,102</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>145,061</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>145,045</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>New common shares issued for exercise of stock options</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Stock option expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>82</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>38</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>145,190</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>145,102</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>145,061</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>RETAINED EARNINGS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at beginning of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>23,139</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,928</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,601</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,193</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>TARP warrant repurchase (1,312,500 shares)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(825</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accretion of preferred stock discount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(331</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividend declared on common stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(566)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Cash dividend declared on preferred stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(209)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(828</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,054</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>27,557</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>23,139</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>18,928</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>ACCUMULATED OTHER COMPREHENSIVE LOSS, NET<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at beginning of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(5,379)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,660</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,862</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other comprehensive income (loss)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(496)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,719</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,202</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Balance at end of period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(5,875)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(5,379</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,660</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL STOCKHOLDERS&#146; EQUITY</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>113,307</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>110,468</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>112,352</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR>See accompanying notes to consolidated financial statements.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">41</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tCSCF"></a>AMERISERV FINANCIAL, INC.<BR>&nbsp;<BR> CONSOLIDATED STATEMENTS OF CASH FLOWS </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 9pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="376"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>OPERATING ACTIVITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,193</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Adjustments to reconcile net income to net cash provided by operating activities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,100)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(775</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,575</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Depreciation and amortization expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,683</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,523</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,477</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net amortization of investment securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>755</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>736</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net realized (gains) losses on investment securities&nbsp;&#150;&nbsp;available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(204)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>358</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net gains on loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,089)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,132</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(812</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortization of deferred loan fees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(304)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(240</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(231</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Origination of mortgage loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(60,826)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(76,688</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(58,640</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Sales of mortgage loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>69,089</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>74,354</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>59,747</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Decrease (increase) in accrued interest receivable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>52</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>256</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Decrease in accrued interest payable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(299)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(440</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,018</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Earnings on bank-owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(811)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(863</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(885</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deferred income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,150</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,101</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,758</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Stock compensation expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>88</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Decrease in prepaid Federal Deposit Insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,444</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>370</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,259</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other, net</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(967)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,446</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,074</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net cash provided by operating activities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>14,854</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,212</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,794</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>INVESTING ACTIVITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchase of investment securities&nbsp;&#150;&nbsp;available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(50,125)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(34,199</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(85,352</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchase of investment securities&nbsp;&#150;&nbsp;held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(8,942)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,987</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(6,576</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from maturities of investment securities&nbsp;&#150;&nbsp;available<BR> for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>43,307</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>59,800</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>53,243</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from maturities of investment securities&nbsp;&#150;&nbsp;held to maturity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,425</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,518</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,125</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from sales of investment securities&nbsp;&#150;&nbsp;available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11,185</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,221</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>16,518</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchase of regulatory stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(5,865)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from redemption of regulatory stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,367</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,712</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Long-term loans originated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(205,549)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(232,685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(147,864</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Principal collected on long-term loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>146,720</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>182,245</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>161,356</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans purchased or participated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(12,990)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(17,492</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(8,500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans sold or participated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,500</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net increase in other short-term loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(679)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(300</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(443</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchases of premises and equipment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(3,004)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,647</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,666</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Proceeds from sale of other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>993</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>160</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>743</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Proceeds from insurance policies</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>356</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net cash used in investing activities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(66,301)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(32,154</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(14,074</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>FINANCING ACTIVITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net increase in deposit balances</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18,744</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,329</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,722</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net increase (decrease) in other short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>25,895</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(105</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,215</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Principal borrowings on advances from Federal Home Loan Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Principal repayments on advances from Federal Home Loan Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(6,000)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(14,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5,750</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Preferred stock dividend paid</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(209)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(828</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,054</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Common stock dividend paid</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(566)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Warrant repurchase</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(825</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Purchase of treasury stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,171)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(4,417</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(582</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net cash provided by financing activities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>54,693</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>20,979</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>18,726</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,246</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(7,963</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,446</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>CASH AND CASH EQUIVALENTS AT JANUARY 1</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>26,820</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>34,783</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>19,337</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>CASH AND CASH EQUIVALENTS AT DECEMBER 31</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>30,066</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>26,820</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>34,783</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;<BR>See accompanying notes to consolidated financial statements.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">42</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES </H2>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tNCFS"></a>BUSINESS AND NATURE OF OPERATIONS: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Financial, Inc. (the Company) is a bank holding company, headquartered in Johnstown, Pennsylvania. Through its banking subsidiary the Company operates 18 banking locations in five southwestern Pennsylvania counties. These branches provide a full range of consumer, mortgage, and commercial financial products. The AmeriServ Trust and Financial Services Company (Trust Company) offers a complete range of trust and financial services and administers assets valued at approximately $1.7 billion that are not recognized on the Company&#146;s Consolidated Balance Sheet at December 31, 2013. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PRINCIPLES OF CONSOLIDATION: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The consolidated financial statements include the accounts of AmeriServ Financial, Inc. and its wholly-owned subsidiaries, AmeriServ Financial Bank (the Bank), Trust Company, and AmeriServ Life Insurance Company (AmeriServ Life). The Bank is a state-chartered full service bank with 18 locations in Pennsylvania. AmeriServ Life is a captive insurance company that engages in underwriting as a reinsurer of credit life and disability insurance. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Intercompany accounts and transactions have been eliminated in preparing the Consolidated Financial Statements. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (generally accepted accounting principles, or GAAP) requires management to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying notes. Actual results may differ from these estimates and the differences may be material to the Consolidated Financial Statements. The Company&#146;s most significant estimates relate to the
allowance for loan losses, goodwill, income taxes and investment securities. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INVESTMENT SECURITIES: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Securities are classified at the time of purchase as investment securities held to maturity if it is management&#146;s intent and the Company has the ability to hold the securities until maturity. These held to maturity securities are carried on the Company&#146;s books at cost, adjusted for amortization of premium and accretion of discount which is computed using the level yield method which approximates the effective interest method. Alternatively, securities are classified as available for sale if it is management&#146;s intent at the time of purchase to hold the securities for an indefinite period of time and/or to use the
securities as part of the Company&#146;s asset/liability management strategy. Securities classified as available for sale include securities which may be sold to effectively manage interest rate risk exposure, prepayment risk, and other factors (such as liquidity requirements). These available for sale securities are reported at fair value with unrealized aggregate appreciation/depreciation excluded from income and credited/charged to accumulated other comprehensive income/loss within stockholders&#146; equity on a net of tax basis. Any securities classified as trading assets are reported at fair value with unrealized aggregate appreciation/depreciation included in income on a net of tax basis. The Company does not engage in trading activity. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Realized gains or losses on securities sold are computed upon the adjusted cost of the specific securities sold. Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security&#146;s performance, the creditworthiness of the issuer and the Company&#146;s intent and ability to hold the security to recovery. The Company believes the unrealized losses are primarily a
result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">43</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">FEDERAL HOME LOAN BANK STOCK: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB) and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. The stock is bought from and sold to the FHLB based upon its $100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated for by management. The stock&#146;s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will
ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time any such situation has persisted (b) Commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) The impact of legislative and regulatory changes on the customer base of FHLB and (d) The liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">LOANS: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Interest income is recognized using the level yield method related to principal amounts outstanding. The Company discontinues the accrual of interest income when loans become 90 days past due in either principal or interest. In addition, if circumstances warrant, the accrual of interest may be discontinued prior to 90 days. Payments received on non-accrual loans are credited to principal until full recovery of principal has been recognized; or the loan has been returned to accrual status. The only exception to this policy is for residential mortgage loans wherein interest income is recognized on a cash basis as payments are
received. A non-accrual commercial loan is placed on accrual status after becoming current and remaining current for twelve consecutive payments. Residential mortgage loans are placed on accrual status upon becoming current. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">LOAN FEES: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loan origination and commitment fees, net of associated direct costs, are deferred and amortized into interest and fees on loans over the loan or commitment period. Fee amortization is determined by the effective interest method. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">LOANS HELD FOR SALE: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management&#146;s intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">TRANSFERS OF FINANCIAL ASSETS </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company; (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets; and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PREMISES AND EQUIPMENT: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Premises and equipment are stated at cost less accumulated depreciation and amortization. Land is carried at cost. Depreciation is charged to operations over the estimated useful lives of the premises and equipment using the straight-line method with a half-year convention. Useful lives of up to 30 years for buildings and up </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">44</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">to 10 years for equipment are utilized. Leasehold improvements are amortized using the straight-line method over the terms of the respective leases or useful lives of the improvements, whichever is shorter. Maintenance, repairs, and minor alterations are charged to current operations as expenditures are incurred. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As a financial institution, which assumes lending and credit risks as a principal element of its business, the Company anticipates that credit losses will be experienced in the normal course of business. Accordingly, the Company consistently applies a comprehensive methodology and procedural discipline to perform an analysis which is updated on a quarterly basis at the Bank level to determine both the adequacy of the allowance for loan losses and the necessary provision for loan losses to be charged against earnings. This methodology includes: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">Review of all criticized, classified and impaired loans with aggregate balances over $250,000 to determine if any specific reserve allocations are required on an individual loan basis. The specific reserve allocations established for these criticized, classified and impaired loans are based on careful analysis of the loan&#146;s performance, the related collateral value, cash flow considerations and the financial capability of any guarantor. All loans classified as doubtful or worse are specifically reserved. For impaired loans the measurement of impairment may be based upon: 1) the present value of expected future cash flows discounted at the loan&#146;s effective interest rate; 2) the observable market price of the impaired loan; or 3) the fair value of the collateral of a collateral dependent loan. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">The application of formula driven reserve allocations for all commercial and commercial real-estate loans by using a three-year migration analysis of net losses incurred within each risk grade for the entire commercial loan portfolio. The difference between estimated and actual losses is reconciled through the nature of the migration analysis. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">The application of formula driven reserve allocations to consumer and residential mortgage loans which are based upon historical net charge-off experience for those loan types. The residential mortgage loan and consumer loan allocations are based upon the Company&#146;s three-year historical average of actual loan net charge-offs experienced in each of those categories. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">The application of formula driven reserve allocations to all outstanding loans is based upon review of historical losses and qualitative factors, which include but are not limited to, economic trends, delinquencies, levels of non-accrual and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies and trends in policy, financial information and documentation exceptions. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">-</TD>

          <TD STYLE="text-align: left">Management recognizes that there may be events or economic factors that have occurred affecting specific borrowers or segments of borrowers that may not yet be fully reflected in the information that the Company uses for arriving at reserves for a specific loan or portfolio segment. Therefore, the Company believes that there is estimation risk associated with the use of specific and formula driven allowances. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">After completion of this process, a formal meeting of the Loan Loss Reserve Committee is held to evaluate the adequacy of the reserve. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">When it is determined that the prospects for recovery of the principal of a loan have significantly diminished, the loan is charged against the allowance account; subsequent recoveries, if any, are credited to the allowance account. In addition, non-accrual and large delinquent loans are reviewed monthly to determine potential losses. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">45</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s policy is to individually review, as circumstances warrant, its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. The Company defines classified loans as those loans rated substandard or doubtful. The Company has also identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances
of $250,000 or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and evaluated for specific impairment if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The allowance for unfunded loan commitments and letters of credit is maintained at a level believed by management to be sufficient to absorb estimated losses related to these unfunded credit facilities. The determination of the adequacy of the allowance is based on periodic evaluations of the unfunded credit facilities including an assessment of the probability of commitment usage, credit risk factors for loans outstanding to these same customers and the terms and expiration dates of the unfunded credit facilities. Net adjustments to the allowance for unfunded loan commitments and letters of credit are provided for in the
unfunded commitment reserve expense line item within other expense in the Consolidated Statements of Operations and a separate reserve is recorded within the other liabilities section of the Consolidated Balance Sheets in other liabilities. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">TRUST FEES: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Trust fees are recorded on the cash basis which approximates the accrual basis for such income. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">BANK-OWNED LIFE INSURANCE: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company has purchased life insurance policies on certain employees. These policies are recorded on the Consolidated Balance Sheets at their cash surrender value, or the amount that can be realized. Income from these policies and changes in the cash surrender value are recorded in bank owned life insurance within non-interest income. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INTANGIBLE ASSETS: </H5>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Goodwill </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company accounts for goodwill using a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company&#146;s reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an annual impairment analysis of goodwill. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EARNINGS PER COMMON SHARE: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Basic earnings per share include only the weighted average common shares outstanding. Diluted earnings per share include the weighted average common shares outstanding and any potentially dilutive common stock equivalent shares in the calculation. Treasury shares are treated as retired for earnings per share purposes. Options and warrant to purchase 103,570, 49,842, and 185,917 shares of common stock were outstanding during 2013, 2012 and 2011, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. Exercise prices of anti-dilutive options and warrant
to purchase common stock outstanding were $3.05&nbsp;&#150;&nbsp;$5.75, $2.80&nbsp;&#150;&nbsp;$5.75, and $2.07&nbsp;&#150;&nbsp;$6.10 during 2013, 2012 and 2011, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">46</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="360"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>Year ended December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(In thousands, except per share data)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Numerator:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,193</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Preferred stock dividends and accretion of preferred stock discount</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>209</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>828</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,385</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income available to common shareholders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>4,984</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,211</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,152</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Denominator:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted average common shares outstanding (basic)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18,942</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>21,184</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Effect of stock options/warrants</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>92</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>62</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Weighted average common shares outstanding (diluted)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>19,034</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>19,747</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>21,205</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Earnings per common share:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.26</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.26</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.21</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.24</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">STOCK-BASED COMPENSATION: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company uses the modified prospective method for accounting of stock-based compensation. The Company recognized $82,000, $38,000 and $15,000 of pretax compensation expense for the years 2013, 2012 and 2011. The fair value of each option grant is estimated on the grant date using the Black-Scholes option pricing model. See Note 18 for details on the assumptions used. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ACCUMULATED OTHER COMPREHENSIVE LOSS: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company presents the components of other comprehensive income (loss) in the Consolidated Statements of Comprehensive Income. These components are comprised of the change in the defined benefit pension obligation and the unrealized holding gains (losses) on available for sale securities, net of any reclassification adjustments for realized gains and losses. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the components of accumulated other comprehensive loss, net of tax: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Pension obligation for defined benefit plan</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(6,918)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(9,520</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Unrealized holding gains on available for sale securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,043</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,141</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total accumulated other comprehensive loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(5,875)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(5,379</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CONSOLIDATED STATEMENT OF CASH FLOWS: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On a consolidated basis, cash and cash equivalents include cash and due from depository institutions, interest bearing deposits, and short-term investments in money market funds. The Company made $137,000 in income tax payments in 2013; $142,000 in 2012; and $97,000 in 2011. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $766,000 in 2013; $1,266,000 in 2012; and $169,000 in 2011. The Company made total interest payments of $6,781,000 in 2013; $8,154,000 in 2012; and $10,699,000 in 2011. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">47</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES &nbsp;&#150;&nbsp;(continued)</H2>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INCOME TAXES: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Deferred tax assets or liabilities are computed based on the difference between the financial statement and income tax basis of assets and liabilities using the enacted marginal tax rate. Deferred income tax expenses or credits are based on the changes in the corresponding asset or liability from period to period. Deferred tax assets are reduced, if necessary, by the amounts of such benefits that are not expected to be realized based upon available evidence. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INTEREST RATE CONTRACTS: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company recognizes all derivatives as either assets or liabilities on the Consolidated Balance Sheets and measures those instruments at fair value. For derivatives designated as fair value hedges, changes in the fair value of the derivative and hedged item related to the hedged risk are recognized in earnings. Changes in fair value of derivatives designated and accounted as cash flow hedges, to the extent they are effective as hedges, are recorded in &#147;Other Comprehensive Income,&#148; net of deferred taxes and are subsequently reclassified to earnings when the hedged transaction affects earnings. Any hedge
ineffectiveness would be recognized in the income statement line item pertaining to the hedged item. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company periodically enters into derivative instruments to meet the financing, interest rate and equity risk management needs of its customers. Upon entering into these instruments to meet customer needs, the Company enters into offsetting positions to minimize interest rate and equity risk to the Company. These derivative financial instruments are reported at fair value with any resulting gain or loss recorded in current period earnings. These instruments and their offsetting positions are recorded in other assets and other liabilities on the Consolidated Balance Sheets. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">RECENT ACCOUNTING STANDARDS: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In July 2013, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2013-11, <I>Income Taxes (Topic 740): Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists.</I> This Update applies to all entities that have unrecognized tax benefits when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists at the reporting date. An unrecognized tax benefit, or a portion of an unrecognized tax benefit, should be presented in the financial statements as a reduction to a deferred tax
asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except as follows. To the extent a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date under the tax law of the applicable jurisdiction to settle any additional income taxes that would result from the disallowance of a tax position or the tax law of the applicable jurisdiction does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose, the unrecognized tax benefit should be presented in the financial statements as a liability and should not be combined with deferred tax assets. The assessment of whether a deferred tax asset is available is based on the unrecognized tax benefit and deferred tax asset that exist at the reporting date and should be made presuming disallowance of the tax position at the reporting date. The amendments in this Update are effective for fiscal
years, and interim periods within those years, beginning after December 15, 2013. Early adoption is permitted. The amendments should be applied prospectively to all unrecognized tax benefits that exist at the effective date. Retrospective application is permitted. This ASU did not have a significant impact on the Company&#146;s financial statements. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In January 2014, the FASB issued ASU 2014-04, <I>Receivables&nbsp;&#151;&nbsp;Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. </I>The amendments in this Update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">48</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable
jurisdiction. The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in this Update using either a modified retrospective transition method or a prospective transition method. This ASU is not expected to have a significant impact on the Company&#146;s financial statements. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">2.&nbsp;&nbsp;CASH AND DUE FROM DEPOSITORY INSTITUTIONS </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Included in &#147;Cash and due from depository institutions&#148; are required federal reserves of $61,000 and $0 at December 31, 2013 and 2012, respectively, for facilitating the implementation of monetary policy by the Federal Reserve System. The required reserves are computed by applying prescribed ratios to the classes of average deposit balances. These are held in the form of vault cash and a depository amount held with the Federal Reserve Bank. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3.&nbsp;&nbsp;INVESTMENT SECURITIES </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The cost basis and fair values of investment securities are summarized as follows: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities available for sale: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="216"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>AT DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COST BASIS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS UNREALIZED GAINS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR<BR> VALUE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,926</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>35</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(126)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,835</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11,992</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>21</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(252)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11,761</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>121,480</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,129</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,227)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>123,382</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>140,398</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>3,185</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(1,605)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>141,978</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities held to maturity: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="216"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>AT DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COST BASIS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS UNREALIZED GAINS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR<BR> VALUE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,671</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>289</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(477)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,483</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Taxable municipal</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,521</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(120)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,401</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds and other securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,995</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(91)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,904</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>18,187</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>289</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(688)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>17,788</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">49</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3.&nbsp;&nbsp;INVESTMENT SECURITIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities available for sale: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="216"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>AT DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COST BASIS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS UNREALIZED GAINS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR<BR> VALUE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,848</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>70</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,911</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,992</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(103</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,892</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>131,425</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,320</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>137,735</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>145,265</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,393</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>151,538</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities held to maturity: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="216"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>AT DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COST BASIS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS UNREALIZED GAINS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>GROSS UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR<BR> VALUE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,318</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>578</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,896</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Taxable municipal</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>410</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>416</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds and other securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,995</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>14</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3,954</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>13,723</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>598</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>14,266</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Maintaining investment quality is a primary objective of the Company&#146;s investment policy which, subject to certain limited exceptions, prohibits the purchase of any investment security below a Moody&#146;s Investors Service or Standard &amp; Poor&#146;s rating of A. At December 31, 2013, 89.0% of the portfolio was rated AAA as compared to 92.2% at December 31, 2012. 1.9% of the portfolio was rated below A or unrated on December 31, 2013. The Company and its subsidiaries, collectively, did not hold securities of any single issuer, excluding U.S. Treasury and U.S. Agencies, that exceeded 10% of shareholders&#146; equity at
December 31, 2013. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The book value of securities, both available for sale and held to maturity, pledged to secure public and trust deposits, and certain Federal Home Loan Bank borrowings was $110,780,000 at December 31, 2013 and $94,206,000 at December 31, 2012. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company realized $289,000 of gross investment security gains and $85,000 of investment security losses in 2013, and $12,000 of gross investment gains and no investment security losses in 2012, and $358,000 of gross investment losses and no investment security gains in 2011. On a net basis, the realized gain for 2013 was $135,000 after factoring in tax expense of $69,000, the realized gain for 2012 was $8,000 after factoring in tax expense of $4,000, the realized loss for 2011 was $236,000, after factoring the tax benefit of $122,000. Proceeds from sales of investment securities available for sale were $11.2 million for
2013, $4.2 million for 2012, and $16.5 million during 2011. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the contractual maturity distribution of the investment securities, cost basis and fair market values, and the weighted average yield for each type and range of maturity as of December 31, 2013. Yields are not presented on a tax-equivalent basis, but are based upon the cost basis and are weighted for the scheduled maturity. The Company&#146;s consolidated investment securities portfolio had an effective duration of approximately 3.51 years. The weighted average expected maturity for available for sale </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">50</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3.&nbsp;&nbsp;INVESTMENT SECURITIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">securities at December 31, 2013 for U.S. Agency, U.S. Agency Mortgage-Backed and Corporate Bond securities was 3.84, 5.07 and 4.73 years, respectively. The weighted average expected maturity for held to maturity securities at December 31, 2013 for U.S. Agency Mortgage-Backed and Corporate Bonds/Taxable Municipals and other securities were 6.73 and 5.82 years. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities available for sale: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="144"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="38"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="38"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="38"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="38"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="38"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="46"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=31>AT DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>U. S. AGENCY</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>U.S. AGENCY MORTGAGE- BACKED SECURITIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>CORPORATE BONDS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL INVESTMENT SECURITIES AVAILABLE FOR SALE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=31><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT YIELDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>COST BASIS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Within 1 year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 1 year but within<BR> 5 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,926</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.50</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,813</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.54</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,994</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.56</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,733</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.90</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 5 years but within 10 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.43</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,381</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.88</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,998</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.91</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>17,379</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.59</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 10 years but within 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>64,347</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.74</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>64,347</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.74</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Over 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>42,939</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>2.74</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>42,939</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>2.74</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>6,926</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>1.49</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>121,480</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>2.78</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>11,992</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>1.68</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>140,398</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>2.63</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FAIR VALUE<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Within 1 year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 1 year but within<BR> 5 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,898</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,934</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,947</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,779</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 5 years but within 10 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>937</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,735</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,814</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>17,486</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 10 years but within 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>64,751</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>64,751</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Over 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>43,962</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>43,962</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>6,835</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>123,382</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>11,761</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>141,978</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">51</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3.&nbsp;&nbsp;INVESTMENT SECURITIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities held to maturity: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="210"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="50"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="50"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="48"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AT DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>U.S. AGENCY MORTGAGE-BACKED SECURITIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>CORPORATE BONDS AND OTHER</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL INVESTMENT SECURITIES HELD TO MATURITY</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT YIELDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>COST BASIS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Within 1 year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 1 year but within 5 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.46</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.46</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 5 years but within 10 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,760</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.10</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,760</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.10</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 10 years but within 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,011</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.14</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,011</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.14</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Over 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,911</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>3.49</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,505</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>4.54</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>12,416</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>3.62</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>12,671</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>3.30</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>5,516</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>2.61</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>18,187</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>3.09</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FAIR VALUE<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Within 1 year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 1 year but within 5 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,966</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,966</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 5 years but within 10 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,618</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,618</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>After 10 years but within 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>891</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>891</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Over 15 years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,865</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,448</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>12,313</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>12,483</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>5,305</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>17,788</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following tables present information concerning investments with unrealized losses as of December 31, 2013 (in thousands): </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities available for sale: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="173"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="54"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>LESS THAN 12 MONTHS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>12 MONTHS OR LONGER</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,812</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(64)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>938</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(62)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,750</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(126)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed<BR> securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>43,402</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,224)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>669</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(3)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>44,071</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,227)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,777</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(215)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,963</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(37)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>8,740</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(252)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>53,991</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(1,503)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>3,570</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(102)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>57,561</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(1,605)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities held to maturity: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="197"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="46"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="46"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="46"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>LESS THAN 12 MONTHS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>12 MONTHS OR LONGER</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds/taxable municipals and other securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,801</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(205)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>994</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(6)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,795</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(211)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>8,761</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(477)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>8,761</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(477)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>12,562</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(682)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>994</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(6)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>13,556</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(688)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">52</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">3.&nbsp;&nbsp;INVESTMENT SECURITIES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following tables present information concerning investments with unrealized losses as of December 31, 2012 (in thousands): </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities available for sale: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="189"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>LESS THAN 12 MONTHS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>12 MONTHS OR LONGER</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>993</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>993</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,140</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>349</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,489</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,898</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(103</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,898</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(103</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>9,031</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(118</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>349</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>9,380</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(120</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Investment securities held to maturity: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="189"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="78"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="49"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>LESS THAN 12 MONTHS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>12 MONTHS OR LONGER</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FAIR VALUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNREALIZED LOSSES</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds and other securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>965</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,981</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,946</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>965</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,981</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,946</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. There are 60 positions that are considered temporarily impaired at December 31, 2013. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest
payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value or mature. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">4.&nbsp;&nbsp;LOANS </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The loan portfolio of the Company consisted of the following: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>120,102</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>102,822</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>411,691</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>383,339</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>235,689</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>217,584</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>15,864</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,420</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Loans, net of unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>783,346</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>721,165</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loan balances at December 31, 2013 and 2012 are net of unearned income of $581,000 and $637,000, respectively. Real estate construction loans comprised 3.0% and 2.0% of total loans net of unearned income at December 31, 2013 and 2012, respectively. The Company has no exposure to subprime mortgage loans in either the loan or investment portfolios. The Company has no direct loan exposure to foreign countries. Additionally, the Company has no significant industry lending concentrations. As of December 31, 2013 and 2012, loans to customers engaged in similar activities and having similar economic characteristics, as defined </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">53</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">4.&nbsp;&nbsp;LOANS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">by standard industrial classifications, did not exceed 10% of total loans. Additionally, the majority of the Company&#146;s lending occurs within a 150 mile radius of the Johnstown market. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In the ordinary course of business, the subsidiaries have transactions, including loans, with their officers, directors, and their affiliated companies. In management&#146;s opinion, these transactions were on substantially the same terms as those prevailing at the time for comparable transactions with unaffiliated parties and do not involve more than the normal credit risk. These loans totaled $853,000 and $1.0 million at December 31, 2013 and 2012, respectively. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table summarizes the rollforward of the allowance for loan losses by portfolio segment (in thousands). </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="172"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="84"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE AT DECEMBER 31, 2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CHARGE-<BR> OFFS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECOVERIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PROVISION (CREDIT)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE AT DECEMBER 31, 2013</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,596</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(50)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>80</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>218</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,844</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,796</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,777)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>481</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,615)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,885</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,269</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(139)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>122</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,260</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>150</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(154)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>70</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>70</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>136</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allocation for general risk</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>760</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>219</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>979</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>12,571</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(2,120)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>753</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(1,100)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>10,104</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="172"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="84"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE AT DECEMBER 31, 2011</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CHARGE-<BR> OFFS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECOVERIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PROVISION (CREDIT)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE AT DECEMBER 31, 2012</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,365</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(345</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>138</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>438</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,596</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,400</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(796</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>245</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,053</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,796</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,270</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(420</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>54</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>365</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,269</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>174</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(200</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>129</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allocation for general risk</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,414</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(654</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>760</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>14,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(1,761</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>484</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(775</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,571</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="172"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="84"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE AT DECEMBER 31, 2010</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CHARGE-<BR> OFFS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECOVERIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PROVISION (CREDIT)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE AT DECEMBER 31, 2011</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,851</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(953</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>831</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,364</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,365</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12,717</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,700</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>331</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,948</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,400</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,117</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(85</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>53</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>185</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,270</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>206</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>159</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>174</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Allocation for general risk</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,874</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(460</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,414</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>19,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(2,941</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,374</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(3,575</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>14,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As a result of successful ongoing problem credit resolution efforts, the Company achieved further asset quality improvements in 2013. These improvements are evidenced by reduced levels of non-accrual loans, non-performing assets, classified assets and low loan delinquency levels that continue to be well below 1% of total loans. The higher charge-off in the commercial loans secured by real estate relate primarily to one loan </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">54</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">for which a specific reserve had been previously established. Additionally, the largest portion of the credit provision occurred in commercial loans secured by real-estate as this is the category that experienced the most meaningful improvement in asset quality, particularly in the fourth quarter, which resulted in a reduction of the related qualitative factor. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="157"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="106"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>AT DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19>(IN THOUSANDS)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL LOANS SECURED BY REAL ESTATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>REAL<BR> ESTATE- MORTGAGE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CONSUMER</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Loans:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Individually evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,005</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>61</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,066</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Collectively evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>120,102</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>408,686</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>235,689</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>15,803</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>780,280</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>120,102</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>411,691</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>235,689</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>15,864</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>783,346</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="93"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="82"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AT DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23>(IN THOUSANDS)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL LOANS SECURED BY REAL ESTATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>REAL<BR> ESTATE- MORTGAGE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CONSUMER</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>ALLOCATION FOR GENERAL RISK</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; font-weight: bold" ROWSPAN=1 COLSPAN=1>Allowance for loan losses:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Specific reserve allocation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>812</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>813</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>General reserve allocation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,844</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>4,073</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,260</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>135</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>979</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>9,291</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,844</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>4,885</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,260</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>136</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>979</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>10,104</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="157"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="106"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>AT DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19>(IN THOUSANDS)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL LOANS SECURED BY REAL ESTATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>REAL<BR> ESTATE- MORTGAGE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CONSUMER</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Individually evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,793</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,806</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Collectively evaluated for impairment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>102,822</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>378,546</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>217,584</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,407</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>716,359</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>102,822</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>383,339</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>217,584</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>17,420</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>721,165</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">55</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="93"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="82"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AT DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>(IN THOUSANDS)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL LOANS SECURED BY REAL ESTATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>REAL<BR> ESTATE- MORTGAGE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CONSUMER</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>ALLOCATION FOR GENERAL RISK</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance for loan losses:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Specific reserve allocation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,586</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,586</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>General reserve allocation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,596</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,210</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,269</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>760</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,985</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,596</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>7,796</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,269</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>760</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>12,571</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The segments of the Company&#146;s loan portfolio are disaggregated to a level that allows management to monitor risk and performance. The loan segments used are consistent with the internal reports evaluated by the Company&#146;s management and Board of Directors to monitor risk and performance within various segments of its loan portfolio and therefore, no further disaggregation into classes is necessary. The overall risk profile for the commercial loan segment is impacted by non-owner occupied CRE loans, which include loans secured by non-owner occupied nonfarm nonresidential properties, as a meaningful but declining
portion of the commercial portfolio is centered in these types of accounts. The residential mortgage loan segment is comprised of first lien amortizing residential mortgage loans and home equity loans. The consumer loan segment consists primarily of installment loans and overdraft lines of credit connected with customer deposit accounts. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management evaluates for possible impairment any individual loan in the commercial or commercial real estate segment with a loan balance in excess of $100,000 that is in nonaccrual status or classified as a Troubled Debt Restructure (TDR). Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in evaluating impairment include payment status, collateral value, and the probability of collecting
scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#146;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. The Company does not separately evaluate individual consumer and residential mortgage loans for impairment, unless such loans are part of a larger relationship that is impaired, or are classified as a TDR. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Once the determination has been made that a loan is impaired, the determination of whether a specific allocation of the allowance is necessary is measured by comparing the recorded investment in the loan to the fair value of the loan using one of three methods: (a) the present value of expected future cash flows discounted at the loan&#146;s effective interest rate; (b) the loan&#146;s observable market price; or (c) the fair value of the collateral less selling costs for collateral dependent loans. The method is selected on a loan-by-loan basis, with management primarily utilizing the fair value of collateral method. The
evaluation of the need and amount of a specific allocation of the allowance and whether a loan can be removed from impairment status is made on a quarterly basis. The Company&#146;s policy for recognizing interest income on impaired loans does not differ from its overall policy for interest recognition. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The need for an updated appraisal on collateral dependent loans is determined on a case-by-case basis. The useful life of an appraisal or evaluation will vary depending upon the circumstances of the property and the economic conditions in the marketplace. A new appraisal is not required if there is an existing appraisal </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">56</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">which, along with other information, is sufficient to determine a reasonable value for the property and to support an appropriate and adequate allowance for loan losses. At a minimum, annual documented reevaluation of the property is completed by the Bank&#146;s internal Assigned Risk Department to support the value of the property. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">When reviewing an appraisal associated with an existing collateral real estate dependent transaction, the Bank&#146;s internal Assigned Risk Department must determine if there have been material changes to the underlying assumptions in the appraisal which affect the original estimate of value. Some of the factors that could cause material changes to reported values include: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">the passage of time; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">the volatility of the local market; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">the availability of financing; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">natural disasters; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">the inventory of competing properties; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">new improvements to, or lack of maintenance of, the subject property or competing properties upon physical inspection by the Bank; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">changes in underlying economic and market assumptions, such as material changes in current and projected vacancy, absorption rates, capitalization rates, lease terms, rental rates, sales prices, concessions, construction overruns and delays, zoning changes, etc.; and/or </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">environmental contamination. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The value of the property is adjusted to appropriately reflect the above listed factors and the value is discounted to reflect the value impact of a forced or distressed sale, any outstanding senior liens, any outstanding unpaid real estate taxes, transfer taxes and closing costs that would occur with sale of the real estate. If the Assigned Risk Department personnel determine that a reasonable value cannot be derived based on available information, a new appraisal is ordered. The determination of the need for a new appraisal, versus completion of a property valuation by the Bank&#146;s Assigned Risk Department personnel rests
with the Assigned Risk Department and not the originating account officer. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="202"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>IMPAIRED LOANS WITH SPECIFIC ALLOWANCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL IMPAIRED LOANS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECORDED INVESTMENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RELATED ALLOWANCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECORDED INVESTMENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECORDED INVESTMENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNPAID PRINCIPAL BALANCE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,005</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>812</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,005</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,118</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>61</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>61</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>61</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>3,066</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>813</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>3,066</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>3,179</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">57</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="202"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>IMPAIRED LOANS WITH SPECIFIC ALLOWANCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TOTAL IMPAIRED LOANS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECORDED INVESTMENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RELATED ALLOWANCE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECORDED INVESTMENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RECORDED INVESTMENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>UNPAID PRINCIPAL BALANCE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,239</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,586</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>554</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,793</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,850</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,239</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,586</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>567</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,806</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,863</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="384"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average impaired balance:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>503</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,459</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,754</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,479</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>37</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Average investment in impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,509</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,770</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,982</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income recognized:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Interest income recognized on a cash basis on impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>14</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>167</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management uses a nine point internal risk rating system to monitor the credit quality of the overall loan portfolio. The first six categories are considered not criticized. The first five &#147;Pass&#148; categories are aggregated, while the Pass-6, Special Mention, Substandard and Doubtful categories are disaggregated to separate pools. The criticized rating categories utilized by management generally follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a
Substandard classification. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. All loans greater than 90 days past due, or for which any portion of the loan represents a specific allocation of the allowance for loan losses are placed in Substandard or Doubtful. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Company has a structured loan rating process, which dictates that, at a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as bankruptcy, delinquency, or death occurs to raise awareness of a possible credit event. The Company&#146;s commercial relationship
managers are responsible for the timely and accurate risk rating of the loans in their portfolios at origination and on an </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">58</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ongoing basis. Risk ratings are assigned by the account officer, but require independent review and rating concurrence from the Company&#146;s internal Loan Review Department. The Loan Review Department is an experienced independent function which reports directly to the Board&#146;s Audit Committee. The scope of commercial portfolio coverage by the Loan Review Department is defined and presented to the Audit Committee for approval on an annual basis. The approved scope of coverage for 2013 required review of a minimum range of 50% to 55% of the commercial loan portfolio. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In addition to loan monitoring by the account officer and Loan Review Department, the Company also requires presentation of all credits rated Pass-6 with aggregate balances greater than $1,000,000, all credits rated Special Mention or Substandard with aggregate balances greater than $250,000, and all credits rated Doubtful with aggregate balances greater than $100,000 on an individual basis to the Company&#146;s Loan Loss Reserve Committee on a quarterly basis. Additionally, the Asset Quality Task Force, which is a group comprised of senior level personnel, meets bi-weekly to monitor the status of problem loans. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="237"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="82"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>December 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PASS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SPECIAL MENTION</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SUBSTANDARD</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>DOUBTFUL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>108,623</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,880</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,599</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>120,102</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>396,788</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,961</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>7,482</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>460</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>411,691</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>505,411</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>15,841</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>10,081</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>460</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>531,793</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="237"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="82"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>December 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PASS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SPECIAL MENTION</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SUBSTANDARD</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>DOUBTFUL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>99,886</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>28</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,908</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>102,822</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>343,885</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>20,836</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,010</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,608</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>383,339</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>443,771</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>20,864</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>19,918</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,608</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>486,161</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">It is generally the policy of the bank that the outstanding balance of any residential mortgage loan that exceeds 90-days past due as to principal and/or interest is transferred to non-accrual status and an evaluation is completed to determine the fair value of the collateral less selling costs, unless the balance is minor. A charge down is recorded for any deficiency balance determined from the collateral evaluation. The remaining non-accrual balance is reported as impaired with no specific allowance. It is the policy of the bank that the outstanding balance of any consumer loan that exceeds 90-days past due as to principal
and/or interest is charged off. The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolios (in thousands). </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="416"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="76"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="84"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>December 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PERFORMING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>NON-<BR>PERFORMING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>234,450</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,239</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>15,803</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>61</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>250,253</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,300</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">59</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="416"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="76"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="84"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>December 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>PERFORMING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>NON-<BR>PERFORMING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>216,393</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,191</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,407</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>233,800</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,204</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="157"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=27>December 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CURRENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>30&nbsp;&#150;&nbsp;59 DAYS PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>60&nbsp;&#150;&nbsp;89 DAYS PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>90 DAYS PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL LOANS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>90 DAYS PAST DUE AND STILL ACCRUING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=27><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>120,102</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>120,102</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>410,619</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>457</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>615</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,072</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>411,691</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>231,740</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,232</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>670</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,047</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,949</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>235,689</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>15,804</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>33</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>27</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>60</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>15,864</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>778,265</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,722</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>697</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,662</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>5,081</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>783,346</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="157"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=27>December 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CURRENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>30&nbsp;&#150;&nbsp;59 DAYS PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>60&nbsp;&#150;&nbsp;89 DAYS PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>90 DAYS PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL PAST DUE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL LOANS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>90 DAYS PAST DUE AND STILL ACCRUING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=27><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>102,775</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>102,822</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>379,834</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,545</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>960</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,505</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>383,339</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>213,300</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,240</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>303</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>741</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,284</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>217,584</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,371</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>16</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>33</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>49</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17,420</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>713,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,256</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,928</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,701</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>7,885</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>721,165</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">An allowance for loan losses (&#147;ALL&#148;) is maintained to absorb losses from the loan portfolio. The ALL is based on management&#146;s continuing evaluation of the risk characteristics and credit quality of the loan portfolio, assessment of current economic conditions, diversification and size of the portfolio, adequacy of collateral, past and anticipated loss experience, and the amount of non-performing loans. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans that are collectively evaluated for impairment are analyzed with general allowances being made as appropriate. For general allowances, historical loss trends are used in the estimation of losses in the current portfolio. These historical loss amounts are complemented by consideration of other qualitative factors. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management tracks the historical net charge-off activity at each risk rating grade level for the entire commercial portfolio and at the aggregate level for the consumer, residential mortgage and small business portfolios. A historical charge-off factor is calculated utilizing a rolling 12 consecutive historical quarters for the commercial portfolios. This historical charge-off factor for the consumer, residential mortgage and small business portfolios are based on a three year historical average of actual loss experience. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">60</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company uses a comprehensive methodology and procedural discipline to maintain an ALL to absorb inherent losses in the loan portfolio. The Company believes this is a critical accounting policy since it involves significant estimates and judgments. The allowance consists of three elements: 1) an allowance established on specifically identified problem loans, 2) formula driven general reserves established for loan categories based upon historical loss experience and other qualitative factors which include delinquency, non-performing and TDR loans, loan trends, economic trends, concentrations of credit, trends in loan volume,
experience and depth of management, examination and audit results, effects of any changes in lending policies, and trends in policy, financial information, and documentation exceptions, and 3) a general risk reserve which provides support for variance from our assessment of the previously listed qualitative factors, provides protection against credit risks resulting from other inherent risk factors contained in the Company&#146;s loan portfolio, and recognizes the model and estimation risk associated with the specific and formula driven allowances. The qualitative factors used in the formula driven general reserves are evaluated quarterly (and revised if necessary) by the Company&#146;s management to establish allocations which accommodate each of the listed risk factors. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&#147;Pass&#148; rated credits are segregated from &#147;Criticized&#148; and &#147;Classified&#148; credits for the application of qualitative factors. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the ALL. When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ALL. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">6.&nbsp;&nbsp;NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS<BR> &nbsp;&nbsp;&nbsp;&nbsp;(TDR) </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Non-performing assets are comprised of (i) loans which are on a non-accrual basis, (ii) loans which are contractually past due 90 days or more as to interest or principal payments, (iii) performing loans classified as troubled debt restructuring and (iv) other real estate owned (real estate acquired through foreclosure, in-substance foreclosures and repossessed assets). </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following tables present information concerning non-performing assets including TDR: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-accrual loans:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,632</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,623</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,239</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,191</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,871</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,814</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loans secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>344</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,101</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Real estate-mortgage</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>673</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>127</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,017</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,228</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total restructured loans not in non-accrual (TDR)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>221</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>182</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total non-performing assets including TDR</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>4,109</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>7,224</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.52%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">61</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">6.&nbsp;&nbsp;NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS<BR> &nbsp;&nbsp;&nbsp;&nbsp;(TDR) &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company had no loans past due 90 days or more for the periods presented which were accruing interest. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Consistent with accounting and regulatory guidance, the Bank recognizes a TDR when the Bank, for economic or legal reasons related to a borrower&#146;s financial difficulties, grants a concession to the borrower that would not normally be considered. Regardless of the form of concession granted, the Bank&#146;s objective in offering a troubled debt restructure is to increase the probability of repayment of the borrower&#146;s loan. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">To be considered a TDR, both of the following criteria must be met: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">the borrower must be experiencing financial difficulties; and </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">the Bank, for economic or legal reasons related to the borrower&#146;s financial difficulties, grants a concession to the borrower that would not otherwise be considered. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Factors that indicate a borrower is experiencing financial difficulties include, but are not limited to: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">the borrower is currently in default on their loan(s); </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">the borrower has filed for bankruptcy; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">the borrower has insufficient cash flows to service their loan(s); <U>and</U> </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">the borrower is unable to obtain refinancing from other sources at a market rate similar to rates available to a non-troubled debtor. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Factors that indicate that a concession has been granted include, but are not limited to: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">the borrower is granted an interest rate reduction to a level below market rates for debt with similar risk; <U>or</U> </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 24px; text-align: left">&#149;</TD>

          <TD STYLE="text-align: left">the borrower is granted a material maturity date extension, or extension of the amortization plan to provide payment relief. For purposes of this policy, a material maturity date extension will generally include any maturity date extension, or the aggregate of multiple consecutive maturity date extensions, that exceed 120 days. A restructuring that results in an insignificant delay in payment, i.e. 120 days or less, is not necessarily a TDR. Insignificant payment delays occur when the amount of the restructured payments subject to the delay is insignificant relative to the unpaid principal or collateral value, and will result in an insignificant shortfall in the originally scheduled contractual amount due, and/or the delay in timing of the restructured payment period is insignificant relative to the frequency of payments, the original maturity or the original amortization. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The determination of whether a restructured loan is a TDR requires consideration of all of the facts and circumstances surrounding the modification. No single factor is determinative of whether a restructuring is a TDR. An overall general decline in the economy or some deterioration in a borrower&#146;s financial condition does not automatically mean that the borrower is experiencing financial difficulty. Accordingly, determination of whether a modification is a TDR involves a large degree of judgment. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Any loan modification where the borrower&#146;s aggregate exposure is at least $250,000 and where the loan currently maintains a criticized or classified risk rating, i.e. Special Mention, Substandard or Doubtful, or where the loan will be assigned a criticized or classified rating after the modification is evaluated to determine the need for TDR classification. The specific ALL reserve for loans modified as TDR&#146;s was $344,000 and $1.5 million as of December 31, 2013 and 2012, respectively. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">62</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">6.&nbsp;&nbsp;NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS<BR> &nbsp;&nbsp;&nbsp;&nbsp;(TDR) &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table details the TDRs at December 31, 2013 (dollars in thousands). </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="248"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Loans in non-accrual status</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3># of Loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Current Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Concession Granted</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loan secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,250</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="248"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Loans in accrual status</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3># of Loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Current Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Concession Granted</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loan secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>161</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>61</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table details the TDRs at December 31, 2012 (dollars in thousands). </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="248"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Loans in non-accrual status</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3># of Loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Current Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Concession Granted</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loan secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,772</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="248"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Loans in accrual status</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3># of Loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Current Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Concession Granted</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loan secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>169</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Consumer</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table details the TDRs at December 31, 2011 (dollars in thousands). </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="248"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Loans in accrual status</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3># of Loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Current Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Concession Granted</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Commercial loan secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Extension of maturity date</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In all instances where loans have been modified in troubled debt restructurings the pre- and post-modified balances are the same. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Once a loan is classified as a TDR, this classification will remain until documented improvement in the financial position of the borrower supports confidence that all principal and interest will be paid according to terms. Additionally, the customer must have re-established a track record of timely payments according to the restructured contract terms for a minimum of six consecutive months prior to consideration for removing the loan from non-accrual TDR status. However, a loan will continue to be on non-accrual status until, consistent with our policy, the borrower has made a minimum of six consecutive payments in
accordance with the terms of the loan. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the recorded investment in loans that were modified as TDR&#146;s in the previous 12 months and defaulted during these reporting periods (in thousands). </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="392"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>Year ended December 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><U>Recorded investment of defaults</U><BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Commercial loan secured by real estate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,480</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>595</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,312</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,480</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>595</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,312</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">All TDR&#146;s are individually evaluated for impairment and a related allowance is recorded, as needed. All TDR&#146;s which defaulted in the above table had a related allowance adequate to reserve for anticipated losses. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">63</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">6.&nbsp;&nbsp;NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS<BR> &nbsp;&nbsp;&nbsp;&nbsp;(TDR) &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company is unaware of any additional loans which are required to either be charged-off or added to the non-performing asset totals disclosed above. Other real estate owned is recorded at the lower of 1) fair value minus estimated costs to sell, or 2) carrying cost. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth, for the periods indicated, (1) the gross interest income that would have been recorded if non-accrual loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination if held for part of the period, (2) the amount of interest income actually recorded on such loans, and (3) the net reduction in interest income attributable to such loans. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="392"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income due in accordance with original terms</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>178</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>231</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>376</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest income recorded</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(167</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net reduction in interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>178</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>231</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>209</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">7.&nbsp;&nbsp;PREMISES AND EQUIPMENT </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">An analysis of premises and equipment follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="408"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Land</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,208</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,208</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Premises</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>25,752</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>24,430</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Furniture and equipment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,912</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,572</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Leasehold improvements</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>803</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>690</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total at cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>36,675</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>33,900</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Less: Accumulated depreciation and amortization</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>23,556</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>22,102</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net book value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>13,119</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>11,798</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company recorded depreciation expense of $1.7 million for 2013 and $1.5 for each of the years 2012 and 2011, respectively. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">8.&nbsp;&nbsp;DEPOSITS </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the balance of the Company&#146;s deposits: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="408"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Demand:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest bearing</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>154,002</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>156,223</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>84,926</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>61,774</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Savings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>87,655</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>86,135</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>219,801</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>215,870</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Certificates of deposit in denominations of $100,000 or more</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>47,287</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35,339</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other time</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>260,851</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>280,393</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total deposits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>854,522</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>835,734</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">64</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">8.&nbsp;&nbsp;DEPOSITS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Interest expense on deposits consisted of the following: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="338"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest bearing demand</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>138</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>116</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>153</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Savings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>139</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>181</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>256</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Money market</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>736</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>895</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,063</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Certificates of deposit in denominations of $100,000 or<BR> more</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>289</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>435</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>637</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other time</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,862</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,875</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,226</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>5,164</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,502</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>8,335</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth the balance of other time deposits and certificates of deposit of $100,000 or more as of December 31, 2013 maturing in the periods presented: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>YEAR:</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OTHER TIME DEPOSITS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>CERTIFICATES OF DEPOSIT OF $100,000 OR MORE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2014</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>128,725</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>32,109</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2015</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>42,497</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13,310</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2016</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>20,033</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,551</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2017</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11,684</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>217</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2018</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,541</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2019 and after</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>47,371</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>100</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>260,851</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>47,287</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The maturities on certificates of deposit greater than $100,000 or more as of December 31, 2013, are as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="445"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="93"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>MATURING IN:</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(IN THOUSANDS)</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Three months or less</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,399</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Over three through six months</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>20,763</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Over six through twelve months</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,947</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Over twelve months</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>15,178</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>47,287</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">65</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">9.&nbsp;&nbsp;SHORT-TERM BORROWINGS </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Short-term borrowings, which consist of federal funds purchased and other short-term borrowings are summarized as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="354"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FEDERAL FUNDS PURCHASED</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SHORT-TERM BORROWINGS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>41,555</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Maximum indebtedness at any month end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>41,555</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average balance during year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>959</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>16,482</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average rate paid for the year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.34%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.26%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest rate on year end balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.25</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="354"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FEDERAL FUNDS PURCHASED</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SHORT-TERM BORROWINGS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,660</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Maximum indebtedness at any month end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19,755</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average balance during year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>117</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,225</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average rate paid for the year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.34</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.20</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest rate on year end balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="354"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FEDERAL FUNDS PURCHASED</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>OTHER SHORT-TERM BORROWINGS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Maximum indebtedness at any month end</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,765</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average balance during year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>49</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,167</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Average rate paid for the year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.32</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest rate on year-end balance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.34</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Average amounts outstanding during the year represent daily averages. Average interest rates represent interest expense divided by the related average balances. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">These borrowing transactions can range from overnight to one year in maturity. The average maturity was one day at both the end of 2013 and 2012 and three days at the end of 2011. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">66</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">10.&nbsp;&nbsp;ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR<BR> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SUBORDINATED DEFERRABLE INTEREST DEBENTURES </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Borrowings and advances from the FHLB consist of the following: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="354"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>MATURING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>WEIGHTED AVERAGE YIELD</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Overnight</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.25%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>41,555</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2015</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.52</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2016</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.81</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2017</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.07</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2018</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>1.47</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total advances</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>0.89</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>25,000</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total FHLB borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>0.49%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>66,555</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="354"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>MATURING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>WEIGHTED AVERAGE YIELD</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>BALANCE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Overnight</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,660</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2015</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.52</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2016</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.74</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2017</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>0.92</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total advances</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>0.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total FHLB borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>0.47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>28,660</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s subsidiary Bank is a member of the FHLB which provides this subsidiary with the opportunity to obtain short to longer-term advances based upon the Company&#146;s investment in assets secured by one- to four-family residential real estate and certain types of commercial real estate. The rate on open repo plus advances, which are typically overnight borrowings, can change daily, while the rate on the advances is fixed until the maturity of the advance. All FHLB stock along with an interest in certain residential mortgage and commercial real-estate loans with an aggregate statutory value equal to the amount of
the advances, are pledged as collateral to the FHLB of Pittsburgh to support these borrowings. At December 31, 2013, the Company had immediately available $318 million of overnight borrowing capability at the FHLB and $81 million of unsecured federal funds lines with correspondent banks. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">67</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">10.&nbsp;&nbsp;ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR<BR> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SUBORDINATED DEFERRABLE INTEREST DEBENTURES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Guaranteed Junior Subordinated Deferrable Interest Debentures: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On April 28, 1998, the Company completed a $34.5 million public offering of 8.45% Trust Preferred Securities, which represent undivided beneficial interests in the assets of a Delaware business trust, AmeriServ Financial Capital Trust I. The Trust Preferred Securities will mature on June 30, 2028, and are callable at par at the option of the Company after June 30, 2003. Proceeds of the issue were invested by AmeriServ Financial Capital Trust I in Junior Subordinated Debentures issued by AmeriServ Financial, Inc. Unamortized deferred issuance costs associated with the Trust Preferred Securities amounted to $224,000 as of
December 31, 2013 and are included in other assets on the Consolidated Balance Sheets, and are being amortized on a straight-line basis over the term of the issue. The Trust Preferred securities are listed on NASDAQ under the symbol ASRVP. The Company used $22.5 million of proceeds from a private placement of common stock to redeem Trust Preferred Securities in 2005 and 2004. The balance as of December 31, 2013 and 2012 was $13.1 million. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">11.&nbsp;&nbsp;DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following disclosures establish a hierarchal framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined within this hierarchy are as follows: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Level I:&nbsp;&nbsp;Quoted prices are available in active markets for identical assets or liabilities as of the reported date. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Level II:&nbsp;&nbsp;Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Level III:&nbsp;&nbsp;Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management&#146;s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond&#146;s terms and conditions, among other things. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of the swap asset is based on an external derivative valuation model using data inputs as of the valuation date and classified Level 2. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">68</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">11.&nbsp;&nbsp;DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the assets reported on the Consolidated Balance Sheets at their fair value as of December 31, 2013 and 2012, by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><U>Assets and Liability Measured on a Recurring Basis</U> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Assets and liability measured at fair value on a recurring basis are summarized below (in thousands): </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="258"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<BR> (LEVEL 1)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SIGNIFICANT OTHER OBSERVABLE INPUTS<BR> (LEVEL 2)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SIGNIFICANT UNOBSERVABLE INPUTS<BR> (LEVEL 3)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,835</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,835</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>123,382</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>123,382</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11,761</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11,761</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="258"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<BR> (LEVEL 1)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SIGNIFICANT OTHER OBSERVABLE INPUTS<BR> (LEVEL 2)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SIGNIFICANT UNOBSERVABLE INPUTS<BR> (LEVEL 3)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,911</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,911</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>U.S. Agency mortgage-backed securities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>137,735</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>137,735</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,892</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,892</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fair value of swap asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fair value of swap liability</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans considered impaired are loans for which, based on current information and events, it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Impaired loans are reported at fair value of the underlying collateral if the repayment is expected solely from the collateral. Collateral values are estimated using Level 3 inputs based on observable market data which at times are discounted. At December 31, 2013, impaired loans with a carrying value of $3.1 million were reduced by specific valuation allowance totaling $813,000 resulting in a net fair value
of $2.3 million. At December 31, 2012, impaired loans with a carrying value of $4.8 million were reduced by specific valuation allowance totaling $1.6 million resulting in a net fair value of $3.2 million. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">OREO is measured at fair value based on appraisals, less cost to sell at the date of foreclosure. Valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value, less cost to sell. Income and expenses from operations and changes in valuation allowance are included in the net expenses from OREO. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">69</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">11.&nbsp;&nbsp;DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><U>Assets Measured on a Non-recurring Basis</U> </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Assets measured at fair value on a non-recurring basis are summarized below (in thousands): </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="258"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<BR> (LEVEL 1)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SIGNIFICANT OTHER OBSERVABLE INPUTS<BR> (LEVEL 2)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SIGNIFICANT UNOBSERVABLE INPUTS<BR> (LEVEL 3)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,253</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,253</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,017</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,017</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="258"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<BR> (LEVEL 1)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SIGNIFICANT OTHER OBSERVABLE INPUTS<BR> (LEVEL 2)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SIGNIFICANT UNOBSERVABLE INPUTS<BR> (LEVEL 3)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Assets:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,220</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,220</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,228</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,228</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">December 31, 2013 </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="106"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="168"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="141"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="104"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>Quantitative Information About Level 3 Fair Value Measurements</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair Value Estimate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Valuation<BR> Techniques</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Unobservable<BR> Input</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Range(Wgtd Ave)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,253</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal of collateral</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><sup>&#040;1&#041;</sup><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal adjustments</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><sup>&#040;2&#041;</sup><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>0&#37; to 37&#37;(30&#37;)</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Liquidation expenses</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><sup>&#040;2&#041;</sup><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>1&#37; to 15&#37;(10&#37;)</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,017</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal of collateral<sup>(1),(3)</sup></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal adjustments</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><sup>&#040;2&#041;</sup><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>31&#37; to 48&#37;(38&#37;)</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Liquidation expenses</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><sup>&#040;2&#041;</sup><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>1&#37; to 20&#37;(10&#37;)</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">December 31, 2012 </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="106"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="168"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="141"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="104"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>Quantitative Information About Level 3 Fair Value Measurements</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair Value Estimate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Valuation<BR> Techniques</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Unobservable<BR> Input</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Range(Wgtd Ave)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Impaired loans</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,220</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal of collateral</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><sup>&#040;1&#041;</sup><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal adjustments</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><sup>&#040;2&#041;</sup><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>1&#37; to 35&#37;(20&#37;)</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Liquidation expenses</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><sup>&#040;2&#041;</sup><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>1&#37; to 15&#37;(10&#37;)</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other real estate owned</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,228</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal of collateral<sup>(1),(3)</sup></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Appraisal adjustments</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><sup>&#040;2&#041;</sup><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>1&#37; to 20&#37;(15&#37;)</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Liquidation expenses</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><sup>&#040;2&#041;</sup><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>1&#37; to 20&#37;(10&#37;)</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: left">Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(2)</TD>

          <TD STYLE="text-align: left">Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(3)</TD>

          <TD STYLE="text-align: left">Includes qualitative adjustments by management and estimated liquidation expenses. </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">70</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">12.&nbsp;&nbsp;DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">For the Company, as for most financial institutions, approximately 90% of its assets and liabilities are considered financial instruments. Many of the Company&#146;s financial instruments, however, lack an available trading market characterized by a willing buyer and willing seller engaging in an exchange transaction. Therefore, significant estimates and present value calculations were used by the Company for the purpose of this disclosure. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Fair values have been determined by the Company using independent third party valuations that uses best available data (Level 2) and an estimation methodology (Level 3) the Company believes is suitable for each category of financial instruments. Management believes that cash and cash equivalents, and loans and deposits with floating interest rates have estimated fair values which approximate the recorded carrying values. The estimation methodologies used, the estimated fair values based on US GAAP measurements, and recorded carrying values at December 31, 2013 and 2012, were as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="240"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>At December 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Carrying Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Level 1)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Level 2)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Level 3)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FINANCIAL ASSETS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>30,066</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>30,066</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>30,066</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities&nbsp;&#150;&nbsp;AFS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>141,978</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>141,978</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>141,978</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities&nbsp;&#150;&nbsp;HTM</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>18,187</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>17,788</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14,822</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,966</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Regulatory stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,802</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,802</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,802</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,402</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,453</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,453</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans, net of allowance for loan loss and unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>773,242</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>771,460</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>771,460</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued interest income receivable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,908</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,908</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,908</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>36,669</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>36,669</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>36,669</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FINANCIAL LIABILITIES:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits with no stated maturities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>546,384</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>546,384</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>546,384</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits with stated maturities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>308,138</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>313,272</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>313,272</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>41,555</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>41,555</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>41,555</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>All other borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>38,085</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>40,598</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>40,598</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued interest payable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,784</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,784</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,784</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">71</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">12.&nbsp;&nbsp;DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="240"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>At December 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Carrying Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Fair Value</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Level 1)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Level 2)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>(Level 3)</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FINANCIAL ASSETS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>26,820</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>26,820</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>26,820</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities&nbsp;&#150;&nbsp;AFS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>151,538</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>151,538</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>151,538</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities&nbsp;&#150;&nbsp;HTM</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,723</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,266</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11,321</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,945</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Regulatory stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,304</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,304</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,304</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans held for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,576</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,722</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,722</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Loans, net of allowance for loan loss and unearned income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>708,594</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>716,756</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>716,756</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued interest income receivable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,960</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,960</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,960</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Bank owned life insurance</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,214</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,214</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>36,214</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fair value swap asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FINANCIAL LIABILITIES:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits with no stated maturities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>520,002</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>520,002</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>520,002</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Deposits with stated maturities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>315,732</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>320,930</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>320,930</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,660</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,660</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15,660</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>All other borrowings</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>26,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>30,442</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>30,442</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued interest payable</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,083</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,083</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,083</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fair value swap liability</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>164</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of cash and cash equivalents, regulatory stock, accrued interest income receivable, short-term borrowings, and accrued interest payable are equal to the current carrying value. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of investment securities is equal to the available quoted market price for similar securities. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the US Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond&#146;s terms and conditions, among other things. The Level 3 securities are valued by discounted cash flows using the US Treasury rate for the remaining term of the securities. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Loans held for sale are priced individually at market rates on the day that the loan is locked for commitment with an investor. All loans in the held for sale account conform to Fannie Mae underwriting guidelines, with the specific intent of the loan being purchased by an investor at the predetermined rate structure. Loans in the held for sale account have specific delivery dates that must be executed to protect the pricing commitment (typically a 30, 45, or 60 day lock period). </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The net loan portfolio has been valued using a present value discounted cash flow. The discount rate used in these calculations is based upon the treasury yield curve adjusted for non-interest operating costs, credit loss, current market prices and assumed prepayment risk. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of bank owned life insurance is based upon the cash surrender value of the underlying policies and matches the book value. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Deposits with stated maturities have been valued using a present value discounted cash flow with a discount rate approximating current market for similar assets and liabilities. Deposits with no stated maturities have an estimated fair value equal to both the amount payable on demand and the recorded book balance. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">72</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">12.&nbsp;&nbsp;DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair value of all other borrowings is based on the discounted value of contractual cash flows. The discount rates are estimated using rates currently offered for similar instruments with similar remaining maturities. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The fair values of the swaps used for interest rate risk management represents the amount the Company would have expected to receive or pay to terminate such agreements. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Commitments to extend credit and standby letters of credit are financial instruments generally not subject to sale, and fair values are not readily available. The carrying value, represented by the net deferred fee arising from the unrecognized commitment, and the fair value, determined by discounting the remaining contractual fee over the term of the commitment using fees currently charged to enter into similar agreements with similar credit risk, are not considered material for disclosure. The contractual amounts of unfunded commitments are presented in Note 16. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Changes in assumptions or estimation methodologies may have a material effect on these estimated fair values. The Company&#146;s remaining assets and liabilities which are not considered financial instruments have not been valued differently than has been customary under historical cost accounting. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">13.&nbsp;&nbsp;INCOME TAXES </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The expense for income taxes is summarized below: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="338"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Current</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>139</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>140</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>95</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Deferred</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,150</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,101</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,758</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Income tax expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,289</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,853</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The reconciliation between the federal statutory tax rate and the Company&#146;s effective consolidated income tax rate is as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="192"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="60"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income tax expense based on federal statutory rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,544</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>34.0%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,475</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>34.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,193</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>34.0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tax exempt income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(359)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(4.8)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(315</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4.3</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(325</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3.5</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>104</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1.4</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>81</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1.1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(0.1</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total expense for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,289</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>30.6%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>30.8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,853</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>30.4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">73</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">13.&nbsp;&nbsp;INCOME TAXES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table highlights the major components comprising the deferred tax assets and liabilities for each of the periods presented: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="402"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>DEFERRED TAX ASSETS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Allowance for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,437</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,274</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Unfunded commitment reserve</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>264</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>221</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Premises and equipment</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,832</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,626</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Accrued pension obligation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,462</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,916</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net operating loss carryforwards</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,307</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,883</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Alternative minimum tax credits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,749</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,635</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>393</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>368</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total tax assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,444</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,923</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>DEFERRED TAX LIABILITIES:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment accretion</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(18)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(28</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Unrealized investment security gains</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(545)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,133</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(309)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(295</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 30pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total tax liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(872)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,456</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net deferred tax asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>9,572</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>11,467</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">At December 31, 2013 and 2012, the Company had no valuation allowance established against its deferred tax assets as we believe the Company will generate sufficient future taxable income to fully utilize all net operating loss carryforwards and AMT tax credits. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The change in net deferred tax assets and liabilities consist of the following: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="408"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Unrealized gains recognized in comprehensive income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,595</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>162</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Pension obligation of the defined benefit plan not yet recognized in income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,340)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>725</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Deferred provision for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(2,150)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,101</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net decrease</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(1,895)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(1,214</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company has alternative minimum tax credit carryforwards of approximately $1.7 million at December 31, 2013. These credits have an indefinite carryforward period. The Company also has a $3.8 million net operating loss carryforward that will begin to expire in the year 2025. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company utilizes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than fifty percent likely of being
realized upon </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">74</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">13.&nbsp;&nbsp;INCOME TAXES &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. The Company has no tax liability for uncertain tax positions. The Company&#146;s federal and state income tax returns for taxable years through 2009 have been closed for purposes of examination by
the Internal Revenue Service and the Pennsylvania Department of Revenue. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14.&nbsp;&nbsp;EMPLOYEE BENEFIT PLANS </H2>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PENSION PLANS: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company has a noncontributory defined benefit pension plan covering all employees who work at least 1,000 hours per year. The participants shall have a vested interest in their accrued benefit after five full years of service. The benefits of the plan are based upon the employee&#146;s years of service and average annual earnings for the highest five consecutive calendar years during the final ten year period of employment. Effective January 1, 2013, the Company implemented a soft freeze of its defined benefit pension plan for non-union employees. A soft freeze means that all existing employees as of December 31, 2012 will
remain in the defined benefit pension plan but any new non-union employees hired after January 1, 2013 will no longer be part of the defined benefit plan but instead will be offered retirement benefits under an enhanced 401K program. The Company implemented a similar soft freeze of its defined benefit pension plan for union employees effective January 1, 2014. The Company executed these changes to help reduce its pension costs in future years. Plan assets are primarily debt securities (including U.S. Treasury and Agency securities, corporate notes and bonds), listed common stocks (including shares of AmeriServ Financial, Inc. common stock valued at $631,000 and is limited to 10% of the plan&#146;s assets), mutual funds, and short-term cash equivalent instruments. The following actuarial tables are based upon data provided by an independent third party as of December 31, 2013. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PENSION BENEFITS: </H5>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="381"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>CHANGE IN BENEFIT OBLIGATION:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Benefit obligation at beginning of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>29,844</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>25,709</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Service cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,703</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,593</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,189</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,234</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Actuarial (gain) loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(757)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,882</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Benefits paid</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,730)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,574</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Benefit obligation at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>30,249</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>29,844</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>CHANGE IN PLAN ASSETS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Fair value of plan assets at beginning of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>21,368</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>18,180</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Actual return on plan assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,850</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,162</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Employer contributions</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,800</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,600</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Benefits paid</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,730)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,574</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Fair value of plan assets at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>26,288</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>21,368</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Funded status of the plan&nbsp;&#150;&nbsp;under funded</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(3,961)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(8,476</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">75</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14.&nbsp;&nbsp;EMPLOYEE BENEFIT PLANS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="381"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AMOUNTS NOT YET RECOGNIZED AS A COMPONENT OF NET PERIODIC PENSION COST:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amounts recognized in accumulated other comprehensive loss consists of:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Transition asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(8</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Prior service cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(19)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(38</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net actuarial loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,107</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>14,315</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>10,088</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>14,269</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="381"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>YEAR ENDED<BR> DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>ACCUMULATED BENEFIT OBLIGATION:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Accumulated benefit obligation</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>27,566</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>26,662</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The weighted-average assumptions used to determine benefit obligations at December 31, 2013 and 2012 were as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="381"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>WEIGHTED AVERAGE ASSUMPTIONS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Discount rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.50%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Salary scale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.50</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="330"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="56"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>COMPONENTS OF NET PERIODIC BENEFIT COST:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Service cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,703</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,593</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,335</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,189</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,234</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,198</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected return on plan assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,775)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,656</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,582</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortization of prior year service cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(19)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortization of transition asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(8)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Recognized net actuarial loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,375</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,094</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>800</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net periodic pension cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,465</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,229</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,741</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">76</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14.&nbsp;&nbsp;EMPLOYEE BENEFIT PLANS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="322"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE LOSS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net (gain) loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(2,832)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,376</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,090</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Recognized loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,375)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,094</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(800</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Recognized prior service cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>19</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>19</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(7</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Recognized net initial asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>8</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>17</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total recognized in other comprehensive loss before tax effect</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(4,180)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,318</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,300</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total recognized in net benefit cost and other comprehensive loss before tax effect</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(1,715)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,547</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,041</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The estimated net loss and prior service cost for the defined benefit pension plan that will be amortized from accumulated other comprehensive loss into net periodic benefit cost over the next year are $1,085,000, $(19,000), respectively. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The weighted-average assumptions used to determine net periodic benefit cost for the years ended December 31, 2013, 2012 and 2011 were as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="322"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="58"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>WEIGHTED AVERAGE ASSUMPTIONS:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Discount rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.00%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.75</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected return on plan assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Rate of compensation increase</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.50</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.50</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company has assumed an 8% long-term expected return on plan assets. This assumption was based upon the plan&#146;s historical investment performance over a longer-term period of 15 years combined with the plan&#146;s investment objective of balanced growth and income. Additionally, this assumption also incorporates a targeted range for equity securities of approximately 60% of plan assets. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PLAN ASSETS: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The plan&#146;s measurement date is December 31, 2013. This plan&#146;s asset allocations at December 31, 2013 and 2012, by asset category are as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="450"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="32"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="40"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(PERCENTAGES)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>ASSET CATEGORY:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Domestic equities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>22</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Mutual funds/ETFs</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>79</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>63</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>International equities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>5</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>100%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">%<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">77</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14.&nbsp;&nbsp;EMPLOYEE BENEFIT PLANS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The major categories of assets in the Company&#146;s Pension Plan as of year end are presented in the following table. Assets are segregated by the level of the valuation inputs within the fair value hierarchy established by ASC Topic 820 utilized to measure fair value. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="408"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Level 1:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash and cash equivalents</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Domestic equities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,741</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,731</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>International equities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,478</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>336</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Mutual funds/ETFs</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>20,744</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,566</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Level 2:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Corporate bonds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,325</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,735</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total fair value of plan assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>26,288</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>21,368</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Cash and cash equivalents may include uninvested cash balances along with money market mutual funds, treasury bills, or other assets normally categorized as cash equivalents. Domestic equities may include common or preferred stocks, covered options, rights or warrants, or ADRs which are traded on any U.S. equity market. Mutual funds/ETFs may include any equity, fixed income, balanced, international, or global mutual fund or exchange traded fund including any propriety fund managed by the Trust Company. Agencies may include any U.S. government agency security or asset-backed security. Collective investment funds may include
equity, fixed income, or balanced collective investment funds managed by the Trust Company. Corporate bonds may include any corporate bond or note. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The investment strategy objective for the pension plan is a balance of growth and income. This objective seeks to develop a portfolio for acceptable levels of current income together with the opportunity for capital appreciation. The balanced growth and income objective reflects a relatively equal balance between equity and fixed income investments such as debt securities. The allocation between equity and fixed income assets may vary by a moderate degree but the plan typically targets a range of equity investments between 50% and 60% of the plan assets. This means that fixed income and cash investments typically approximate
40% to 50% of the plan assets. The plan is also able to invest in ASRV common stock up to a maximum level of 10% of the market value of the plan assets (at December 31, 2013, 2.4% of the plan assets were invested in ASRV common stock). This asset mix is intended to ensure that there is a steady stream of cash from maturing investments to fund benefit payments. </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CASH FLOWS: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company presently expects that the contribution to be made to the Plan in 2014 will be approximately $2.0 million. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">78</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">14.&nbsp;&nbsp;EMPLOYEE BENEFIT PLANS &nbsp;&#150;&nbsp;(continued)</H2>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">ESTIMATED FUTURE BENEFIT PAYMENTS: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following benefit payments, which reflect future service, as appropriate, are expected to be paid. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="472"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="120"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>YEAR:</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>ESTIMATED FUTURE BENEFIT PAYMENTS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2014</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,444</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2015</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,268</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2016</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,752</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2017</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,809</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2018</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,430</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Years 2019&nbsp;&#150;&nbsp;2023</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,200</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">401(k) PLAN: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company maintains a qualified 401(k) plan that allows for participation by Company employees. Under the plan, employees may elect to make voluntary, pretax contributions to their accounts which the Company will match one half on the first 2% of contribution up to a maximum of 1%. The Company also contributes 4% of salaries for union members who are in the plan. Effective January 1, 2013, any new non-union employees receive a 4% non-elective contribution and these employees may elect to make voluntary, pretax contributions to their accounts which the Company will match one half on the first 6% of contribution up to a
maximum of 3%. Contributions by the Company charged to operations were $327,000 and $277,000 for the years ended December 31, 2013 and 2012, respectively. The fair value of plan assets includes $802,000 pertaining to the value of the Company&#146;s common stock and Trust Preferred securities that are held by the plan at December 31, 2013. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Except for the above benefit plans, the Company has no significant additional exposure for any other post-retirement or post-employment benefits. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">15.&nbsp;&nbsp;LEASE COMMITMENTS </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s obligation for future minimum lease payments on operating leases at December 31, 2013, is as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="418"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="120"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>YEAR:</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>FUTURE MINIMUM LEASE PAYMENTS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=3><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2014</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>712</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2015</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>682</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2016</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>625</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2017</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>511</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2018</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>366</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>2019 and thereafter</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,931</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In addition to the amounts set forth above, certain of the leases require payments by the Company for taxes, insurance, and maintenance. Rent expense included in total non-interest expense amounted to $764,000, $785,000 and $665,000, in 2013, 2012, and 2011, respectively. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">79</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">16.&nbsp;&nbsp;COMMITMENTS AND CONTINGENT LIABILITIES </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company incurs off-balance sheet risks in the normal course of business in order to meet the financing needs of its customers. These risks derive from commitments to extend credit and standby letters of credit. Such commitments and standby letters of credit involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated financial statements. Commitments to extend credit are obligations to lend to a customer as long as there is no violation of any condition established in the loan agreement. Commitments generally have fixed expiration dates or other termination clauses and may
require payment of a fee. Because many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer&#146;s creditworthiness on a case-by-case basis. Collateral which secures these types of commitments is the same as for other types of secured lending such as accounts receivable, inventory, and fixed assets. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements, including normal business activities, bond financings, and similar transactions. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. Letters of credit are issued both on an unsecured and secured basis. Collateral securing these types of transactions is similar to collateral securing the Company&#146;s commercial loans. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s exposure to credit loss in the event of nonperformance by the other party to these commitments to extend credit and standby letters of credit is represented by their contractual amounts. The Company uses the same credit and collateral policies in making commitments and conditional obligations as for all other lending. At December 31, 2013, the Company had various outstanding commitments to extend credit approximating $146,008,000 and standby letters of credit of $13,229,000, compared to commitments to extend credit of $132,804,000 and standby letters of credit of $11,365,000 at December 31, 2012. Standby
letters of credit had terms ranging from 1 to 2 years with annual extension options available. Standby letters of credit of approximately $3.9 million were secured as of December 31, 2013 and approximately $4.2 million at December 31, 2012. The carrying amount of the liability for AmeriServ obligations related to unfunded commitments and standby letters of credit was $776,000 at December 31, 2013 and $648,000 at December 31, 2012. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Pursuant to its bylaws, the Company provides indemnification to its directors and officers against certain liabilities incurred as a result of their service on behalf of the Company. In connection with this indemnification obligation, the Company can advance on behalf of covered individuals costs incurred in defending against certain claims. Additionally, the Company is also subject to a number of asserted and unasserted potential claims encountered in the normal course of business. In the opinion of the Company, neither the resolution of these claims nor the funding of these credit commitments will have a material adverse
effect on the Company&#146;s consolidated financial position, results of operation or cash flows. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">17.&nbsp;&nbsp;PREFERRED STOCK </H2>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SBLF: </H5>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On August 11, 2011, pursuant to the Small Business Lending Fund (SBLF), the Company issued and sold to the US Treasury 21,000 shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series E (Series E Preferred Stock) for the aggregate proceeds of $21 million. The SBLF is a voluntary program sponsored by the US Treasury that encourages small business lending by providing capital to qualified community banks at favorable rates. The initial interest rate on the Series E Preferred Stock has been initially set at 5% per annum and may be decreased to as low as 1% per annum if growth thresholds are met for qualified
outstanding small business loans. The Company used the proceeds from the Series E Preferred Stock issued to the US Treasury to repurchase all 21,000 shares of its outstanding preferred shares previously issued to the US Treasury under the TARP Capital Purchase Program. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">80</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">17.&nbsp;&nbsp;PREFERRED STOCK &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Series E Preferred Stock has an aggregate liquidation preference of approximately $21 million and qualifies as Tier 1 Capital for regulatory purposes. The terms of the Series E Preferred Stock provide for the payment of non-cumulative dividends on a quarterly basis. The dividend rate, as a percentage of the liquidation amount, may fluctuate while the Series E Preferred Stock is outstanding based upon changes in the level of &#147;qualified small business lending&#148; (&#147;QSBL&#148;) by the Bank from its average level of QSBL at each of the four quarter ends leading up to June 30, 2010 (the &#147;Baseline&#148;) as
follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="384" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="120"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="112"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="120"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>DIVIDEND PERIOD ANNUALIZED</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=2><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=2 COLSPAN=1>ANNUALIZED<BR> DIVIDEND RATE</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>BEGINNING</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>ENDING</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>August 11, 2011</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">December 31, 2011</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">5.0%</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>January 1, 2012</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">December 31, 2013</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">1.0% to 5.0%</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>January 1, 2014</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">February 7, 2016</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">1.0% to 7.0%<sup>&#040;1&#041;</sup></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>February 8, 2016</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">Redemption</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: center">9.0%<sup>&#040;2&#041;</sup></TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: left">Between January 1, 2014 and February 7, 2016, the dividend rate will be fixed at a rate in such range based upon the level of percentage change in QSBL between September 30, 2013 and the Baseline. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(2)</TD>

          <TD STYLE="text-align: left">Beginning on February 8, 2016, the dividend rate will be fixed at nine percent (9%) per annum. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In addition to the applicable dividend rates described above, beginning on January 1, 2014 and on all dividend payment dates thereafter ending on April 1, 2016, if we fail to increase our level of QSBL compared to the Baseline, we will be required to pay a quarterly lending incentive fee of 0.5% of the liquidation value. As of September 30, 2013, the Company had increased its QSBL to a level that reduced the dividend rate to 1%. Accordingly, this 1% rate will continue through February 7, 2016. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">As long as shares of Series E Preferred Stock remain outstanding, we may not pay dividends to our common shareholders (nor may we repurchase or redeem any shares of our common stock) during any quarter in which we fail to declare and pay dividends on the Series E Preferred Stock and for the next three quarters following such failure. In addition, under the terms of the Series E Preferred Stock, we may only declare and pay dividends on our common stock (or repurchase shares of our common stock), if, after payment of such dividend, the dollar amount of our Tier 1 capital would be at least ninety percent (90%) of Tier 1 capital
as of June 30, 2011, excluding any charge-offs and redemptions of the Series E Preferred Stock (the &#147;Tier 1 Dividend Threshold&#148;). The Tier 1 Dividend Threshold is subject to reduction, beginning January 1, 2014, based upon the extent by which, if at all, the QSBL at September 30, 2013 has increased over the Baseline. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We may redeem the Series E Preferred Stock at any time at our option, at a redemption price of 100% of the liquidation amount plus accrued but unpaid dividends, subject to the approval of our federal banking regulator. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">18.&nbsp;&nbsp;STOCK COMPENSATION PLANS </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company uses the modified perspective method for accounting for stock-based compensation and recognized $82,000 of pretax compensation expense for the year 2013, $38,000 in 2012 and $15,000 in 2011. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">During 2011, the Company&#146;s Board of Directors adopted, and its shareholders approved, the AmeriServ Financial, Inc. 2011 Stock Incentive Plan (the Plan) authorizing the grant of options or restricted stock covering 800,000 shares of common stock. This Plan replaced the expired 2001 Stock Option Plan. Under the Plan, options or restricted stock can be granted (the Grant Date) to directors, officers, and employees that provide services to the Company and its affiliates, as selected by the compensation committee of the Board of Directors. The option price at which a granted stock option may be exercised was not less than
100% of the fair market value per share of common stock on the Grant Date. The maximum term of any option granted </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">81</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">18.&nbsp;&nbsp;STOCK COMPENSATION PLANS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">under the Plan cannot exceed 10 years. Generally, options vest over a three year period and become exercisable in equal installments over the vesting period. At times, options with a one year vesting period may also be issued. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A summary of the status of the Company&#146;s Stock Incentive Plan at December 31, 2013, 2012, and 2011, and changes during the years then ended is presented in the table and narrative following: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="173"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="66"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>YEAR ENDED DECEMBER 31</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SHARES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>WEIGHTED AVERAGE EXERCISE PRICE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SHARES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>WEIGHTED AVERAGE EXERCISE PRICE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SHARES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>WEIGHTED AVERAGE EXERCISE PRICE</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Outstanding at beginning of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>398,371</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.43</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>313,612</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.02</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>257,287</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.18</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Granted</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>102,445</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3.19</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>164,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>58,575</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Exercised</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(3,467)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.81</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.70</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(750</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1.70</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Forfeited</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(10,000)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1><B>4.25</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(77,982</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>5.47</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>1.70</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Outstanding at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>487,349</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1><B>2.55</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>398,371</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>2.43</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>313,612</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>3.02</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Exercisable at end of year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>257,253</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2.25</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>167,624</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.29</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>179,874</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3.81</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Weighted average fair value of options granted in current year</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.83</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.80</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.51</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">A total of 257,253 of the 487,349 options outstanding at December 31, 2013, are exercisable and have exercise prices between $1.53 and $5.75, with a weighted average exercise price of $2.25 and a weighted average remaining contractual life of 6.41 years. All of these options are exercisable. The remaining 230,096 options that are not yet exercisable have exercise prices between $1.92 and $3.23, with a weighted average exercise price of $2.90 and a weighted average remaining contractual life of 8.80 years. The fair value of each option grant is estimated on the date of grant using the Black-Scholes option pricing model with the
following assumptions used for grants in 2013, 2012, and 2011. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="264"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="96"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="96"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="104"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>BLACK-SCHOLES ASSUMPTION RANGES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Risk-free interest rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1><B>1.82&nbsp;&#150;&nbsp;2.03&#37;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>1.66&nbsp;&#150;&nbsp;2.28&#37;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>2.19&nbsp;&#150;&nbsp;3.62&#37;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected lives in years</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected volatility</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1><B>30.06&nbsp;&#150;&nbsp;32.32&#37;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>33.26&nbsp;&#150;&nbsp;35.77&#37;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>35.03&nbsp;&#150;&nbsp;35.25&#37;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Expected dividend rate</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1.30&#37;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0&#37;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0&#37;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">82</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">19.&nbsp;&nbsp;ACCUMULATED OTHER COMPREHENSIVE LOSS </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the changes in each component of accumulated other comprehensive loss, net of tax, for the period ended December 31, 2013 (in thousands): </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="324"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="74"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="65"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Net Unrealized Gains and Losses on Investment Securities AFS<sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Defined Benefit Pension Items<sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Total</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Balance at January 1, 2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,141</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(9,520</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5,379</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Other comprehensive income (loss) before reclassifications</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,963</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,161</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(802</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Amounts reclassified from accumulated other comprehensive loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(135</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>441</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>306</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net current period other comprehensive income (loss)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(3,098</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,602</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(496</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Balance at December 31, 2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,043</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(6,918</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(5,875</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: left">Amounts in parentheses indicate debits. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table presents the amounts reclassified out of each component of accumulated other comprehensive loss for the period ended December 31, 2013 (in thousands): </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="570" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="250"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="88"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>Details about accumulated other comprehensive loss components</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Amount reclassified from accumulated other comprehensive loss<sup>&#040;1&#041;</sup></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Affected line item in the<BR> statement of operations</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Unrealized gains and losses on sale of securities<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(204</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net realized gains on investment securities AFS</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(204</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Total before tax</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>69</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision for income tax expense</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(135</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net of tax</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Amortization of defined benefit items<sup>&#040;2&#041;</sup><BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Estimated net loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>683</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Salaries and employee benefits</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Prior service cost</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(10</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Salaries and employee benefits</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Transition asset</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(4</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Salaries and employee benefits</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>669</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left" ROWSPAN=1 COLSPAN=1>Total before tax</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(228</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision for income tax expense</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>441</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Net of tax</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total reclassifications for the period</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>306</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net of tax</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>


<P STYLE="text-align: left; text-indent: 1px"><IMG SRC="line.gif" STYLE="width: 72px; height: 1pt"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(1)</TD>

          <TD STYLE="text-align: left">Amounts in parentheses indicate credits. </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">(2)</TD>

          <TD STYLE="text-align: left">These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details). </TD>

</TR>

</TABLE>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">83</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">20.&nbsp;&nbsp;INTANGIBLE ASSETS </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company&#146;s Consolidated Balance Sheets show both tangible assets (such as loans, buildings, and investments) and intangible assets (such as goodwill). Goodwill has an indefinite live and is not amortized. Instead such intangible is evaluated for impairment at the reporting unit level at least annually. Any resulting impairment would be reflected as a non-interest expense. Of the Company&#146;s goodwill of $12.6 million, $9.5 million is allocated to the retail banking segment and $3.1 million relates to the West Chester Capital Advisors (WCCA) acquisition which is included in the trust segment. Goodwill in both of these
segments was evaluated for impairment on its annual impairment evaluation date. During the first quarter of 2011, the Company did reduce the goodwill allocated to West Chester Capital Advisors by $337,000. This reduction resulted from a purchase price adjustment as the principal of WCCA did not fully earn a deferred contingent payment that had been accrued for at the time of acquisition. The Company&#146;s intangible goodwill balance at December 31, 2013 and 2012 was $12.6 million. </P>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">21.&nbsp;&nbsp;DERIVATIVE HEDGING INSTRUMENTS </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company can use various interest rate contracts, such as interest rate swaps, caps, floors and swaptions to help manage interest rate and market valuation risk exposure, which is incurred in normal recurrent banking activities. The Company can use derivative instruments, primarily interest rate swaps, to manage interest rate risk and match the rates on certain assets by hedging the fair value of certain fixed rate debt, which converts the debt to variable rates and by hedging the cash flow variability associated with certain variable rate debt by converting the debt to fixed rates. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">To accommodate a customer need and support the Company&#146;s asset/liability positioning, we entered into an interest rate swap with the customer and Pittsburgh National Bank (PNC) in the fourth quarter of 2008. This arrangement involved the exchange of interest payments based on the notional amounts. The Company entered into a floating rate loan and a fixed rate swap with our customer. Simultaneously, the Company entered into an offsetting fixed rate swap with PNC. In connection with each swap transaction, the Company agreed to pay interest to the customer on a notional amount at a variable interest rate and receive interest
from the customer on the same notional amount at a fixed interest rate. At the same time, the Company agreed to pay PNC the same fixed interest rate on the same notional amount and receive the same variable interest rate on the same notional amount. This transaction allowed the Company&#146;s customer to effectively convert a variable rate loan to a fixed rate. Because the Company acts as an intermediary for its customer, changes in the fair value of the underlying derivative contracts offset each other and did not significantly impact the Company&#146;s results of operations. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table summarizes the interest rate swap transactions that impacted the Company&#146;s 2013 performance: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="69"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="90"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="68"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="70"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>START DATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>MATURITY DATE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>HEDGE TYPE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>NOTIONAL AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE RECEIVED</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATE PAID</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>REPRICING FREQUENCY</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INCREASE (DECREASE) IN INTEREST EXPENSE</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="text-align: center; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>12/12/08</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>09/24/13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>FAIR VALUE</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,000,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center" ROWSPAN=1 COLSPAN=1>MONTHLY</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>165,488</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="text-align: center; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>12/12/08</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>09/24/13</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>FAIR VALUE</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>9,000,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>2.73</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>5.25</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>MONTHLY</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(165,488)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company monitors and controls all derivative products with a comprehensive Board of Director approved hedging policy. This policy permits a total maximum notional amount outstanding of $500 million for interest rate swaps, interest rate caps/floors, and swaptions. All hedge transactions must be approved in advance by the Investment Asset/Liability Committee (ALCO) of the Board of Directors. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">84</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">22.&nbsp;&nbsp;SEGMENT RESULTS </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The financial performance of the Company is also monitored by an internal funds transfer pricing profitability measurement system which produces line of business results and key performance measures. The Company&#146;s major business units include retail banking, commercial lending, trust, and investment/parent. The reported results reflect the underlying economics of the business segments. Expenses for centrally provided services are allocated based upon the cost and estimated usage of those services. The businesses are match-funded and interest rate risk is centrally managed and accounted for within the investment/parent
business segment. The key performance measure the Company focuses on for each business segment is net income contribution. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Retail banking includes the deposit-gathering branch franchise and lending to both individuals and small businesses. Lending activities include residential mortgage loans, direct consumer loans, and small business commercial loans. Commercial banking to businesses includes commercial loans, and commercial real-estate loans. The trust segment contains our wealth management businesses which include the Trust Company, West Chester Capital Advisors, our registered investment advisory firm and financial services. Wealth management includes personal trust products and services such as personal portfolio investment management, estate
planning and administration, custodial services and pre-need trusts. Also, institutional trust products and services such as 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts are included in this segment. Financial services include the sale of mutual funds, annuities, and insurance products. The Wealth management businesses also includes the union collective investment funds, namely the ERECT and BUILD funds which are designed to use union pension dollars in construction projects that utilize union labor. The investment/parent includes the net results of investment securities and borrowing activities, general corporate expenses not allocated to the business segments, interest expense on guaranteed junior subordinated deferrable interest debentures, and centralized interest rate risk management. Inter-segment revenues were not material. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The contribution of the major business segments to the Consolidated Results of Operations were as follows: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="177"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>YEAR ENDED DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RETAIL BANKING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL BANKING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TRUST</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INVESTMENT/ PARENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>20,223</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,687</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>35</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(3,084)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>32,861</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Credit provision for loan loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(92)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,008)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,100)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,512</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>642</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,391</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>199</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15,744</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Non-interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>22,870</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,148</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,605</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,600</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>42,223</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income (loss) before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,957</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,189</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,821</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(5,485)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,482</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Income tax expense (benefit)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,165</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,166</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>619</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,661)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,289</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income (loss)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>2,792</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>5,023</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,202</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>(3,824)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>5,193</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>347,823</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>545,556</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>4,722</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>157,935</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,056,036</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">85</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">22.&nbsp;&nbsp;SEGMENT RESULTS &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="177"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>YEAR ENDED DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RETAIL BANKING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL BANKING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TRUST</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INVESTMENT/ PARENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20,585</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,499</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>35</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,916</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Credit provision for loan loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(160</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(615</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(775</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,565</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>585</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,784</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14,943</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Non-interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>22,802</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>8,970</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,387</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,482</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40,641</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income (loss) before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4,508</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,729</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,432</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(5,389</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,280</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Income tax expense (benefit)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,358</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,044</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>487</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,648</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income (loss)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,150</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,685</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>945</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(3,741</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>336,241</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>497,331</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,429</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>162,990</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,000,991</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="177"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="77"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="81"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=19>YEAR ENDED DECEMBER 31, 2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RETAIL BANKING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>COMMERCIAL BANKING</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TRUST</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>INVESTMENT/ PARENT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>TOTAL</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=19><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>20,100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,860</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>41</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,718</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>32,283</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Credit provision for loan loss</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(263</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,312</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,575</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,055</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>597</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,282</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(365</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,569</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Non-interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>23,470</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>7,833</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,118</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,616</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>40,037</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income (loss) before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,948</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,936</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,205</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,699</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,390</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Income tax expense (benefit)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>880</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,995</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>410</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(1,432</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,853</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income (loss)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2,068</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,941</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>795</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>(3,267</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>337,869</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>442,087</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,917</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>195,203</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>979,076</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">23.&nbsp;&nbsp;REGULATORY CAPITAL </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Company is subject to various capital requirements administered by the federal banking agencies. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company&#146;s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company&#146;s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Failure to meet minimum capital requirements can
initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company&#146;s financial statements. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total and Tier I capital to risk-weighted assets, and of Tier I capital to average assets. As of December 31, 2013 and 2012, the Federal Reserve categorized the Company as Well Capitalized under the regulatory framework for prompt corrective action. The Company believes that no conditions or events have occurred that would change this conclusion. To be categorized as well capitalized, the Company must maintain minimum total risk-based, Tier I risk-based, and
Tier I leverage ratios as set forth in the table. Additionally, while not a regulatory capital ratio, the Company&#146;s tangible common equity ratio was 7.64% and 7.78% for 2013 and 2012, respectively. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">86</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">23.&nbsp;&nbsp;REGULATORY CAPITAL &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AS OF DECEMBER 31, 2013</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>ACTUAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>FOR CAPITAL ADEQUACY<BR> PURPOSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATIO</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATIO</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATIO</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATIOS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Capital (To Risk Weighted Assets)<BR> Consolidated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>128,469</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>15.28%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>67,247</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8.00%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>84,059</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10.00%</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>103,009</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>12.39</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>66,506</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>83,132</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tier 1 Capital (To Risk Weighted Assets)<BR> Consolidated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>117,957</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>14.03</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>33,624</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>50,435</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>92,611</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11.14</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>33,253</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>49,879</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tier 1 Capital (To Average Assets)<BR> Consolidated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>117,957</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11.45</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>41,204</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>51,505</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>92,611</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9.23</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>40,124</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>50,155</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=23>AS OF DECEMBER 31, 2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>ACTUAL</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>FOR CAPITAL ADEQUACY<BR> PURPOSES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATIO</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATIO</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>AMOUNT</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>RATIO</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=23><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT RATIOS)</FONT></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Total Capital (To Risk Weighted Assets)<BR> Consolidated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>122,583</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15.92</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>61,588</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>76,985</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">%<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>101,786</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13.34</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>61,060</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>76,325</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tier 1 Capital (To Risk Weighted Assets)<BR> Consolidated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>112,916</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>14.67</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>30,794</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>46,191</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>92,200</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>12.08</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>30,530</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>45,795</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Tier 1 Capital (To Average Assets)<BR> Consolidated</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>112,916</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>11.44</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>39,474</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>49,343</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>92,200</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9.55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>38,616</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>4.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>48,269</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">On July 2, 2013, the Board of Governors of the Federal Reserve System approved final rules that substantially amend the regulatory risk-based capital rules applicable to the Company and the Bank. The final rules implement the &#147;Basel III&#148; regulatory capital reforms, as well as certain changes required by the Dodd-Frank Act, which will require institutions to, among other things, have more capital and a higher quality of capital by increasing the minimum regulatory capital ratios, and requiring capital buffers. The new rules become effective for the Company on January 1, 2015, with an implementation period that
stretches to 2019. For a more detailed discussion see the Capital Resources section of the MD&amp;A. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">87</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">24.&nbsp;&nbsp;PARENT COMPANY FINANCIAL INFORMATION </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The parent company functions primarily as a coordinating and servicing unit for all subsidiary entities. Provided services include general management, accounting and taxes, loan review, internal auditing, investment advisory, marketing, insurance risk management, general corporate services, and financial and strategic planning. The following financial information relates only to the parent company operations: </P>

<H5 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">BALANCE SHEETS </H5>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="386"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=7>AT DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=7><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>ASSETS<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>100</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>100</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Short-term investments in money market funds</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>6,561</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Investment securities available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>11,909</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,534</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equity investment in banking subsidiary</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>99,250</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>99,121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equity investment in non-banking subsidiaries</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,321</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,017</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Guaranteed junior subordinated deferrable interest debenture issuance costs</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>224</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>240</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other assets</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>4,352</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,713</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL ASSETS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>127,717</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>123,810</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>LIABILITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Guaranteed junior subordinated deferrable interest debentures</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>13,085</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>13,085</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other liabilities</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,325</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>257</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL LIABILITIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>14,410</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>13,342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>STOCKHOLDERS&#146; EQUITY<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Total stockholders&#146; equity</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>113,307</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>110,468</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>TOTAL LIABILITIES AND STOCKHOLDERS&#146; EQUITY</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>127,717</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>123,810</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">88</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">24.&nbsp;&nbsp;PARENT COMPANY FINANCIAL INFORMATION &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">STATEMENTS OF OPERATIONS </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="306"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INCOME<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Inter-entity management and other fees</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,355</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,355</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,329</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Dividends from banking subsidiary</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,500</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,000</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Dividends from non-banking subsidiaries</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>675</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>710</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>620</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest and dividend income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>243</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>306</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>415</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>8,773</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>11,371</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,864</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>EXPENSE<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,121</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,121</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Salaries and employee benefits</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,502</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,368</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,394</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,608</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,582</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,477</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>TOTAL EXPENSE</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>5,231</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,071</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,992</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INCOME BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,542</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,300</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>872</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Benefit for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>895</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>819</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>764</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Equity in undistributed earnings of subsidiaries</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>756</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,080</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,901</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>NET INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>5,193</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>COMPREHENSIVE INCOME</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>4,697</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>3,320</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>7,739</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">89</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">24.&nbsp;&nbsp;PARENT COMPANY FINANCIAL INFORMATION &nbsp;&#150;&nbsp;(continued)</H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">STATEMENTS OF CASH FLOWS </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="554" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="338"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="53"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="61"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=11>YEAR ENDED DECEMBER 31,</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2013</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2012</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>2011</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=11><FONT STYLE="font-weight: normal">(IN THOUSANDS)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>OPERATING ACTIVITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>5,193</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>5,039</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>6,537</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Adjustment to reconcile net income to net cash provided by operating activities:<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equity in undistributed earnings of subsidiaries</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(756)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,080</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,901</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Stock compensation expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>82</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>38</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>15</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Other&nbsp;&#150;&nbsp;net</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(718)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(989</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(285</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>NET CASH PROVIDED BY OPERATING ACTIVITIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>3,801</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>6,168</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,366</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>INVESTING ACTIVITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchase of investment securities&nbsp;&#150;&nbsp;available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(3,885)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(2,077</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(3,049</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Proceeds from maturity of investment securities&nbsp;&#150;&nbsp;available for sale</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>2,506</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,809</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>5,942</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>NET CASH (USED IN) PROVIDED BY INVESTING ACTIVITIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,379)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>732</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,893</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>FINANCING ACTIVITIES<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Purchase of treasury stock</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(1,171)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(4,417</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(582</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>TARP warrant repurchase</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(825</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Preferred stock dividends paid</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>(209)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(828</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>(1,054</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Common stock dividends paid</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(566)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>&#151;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>NET CASH USED IN FINANCING ACTIVITIES</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,946)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(5,245</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(2,461</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>NET INCREASE IN CASH AND CASH EQUIVALENTS</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>476</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,655</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,798</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>CASH AND CASH EQUIVALENTS AT JANUARY 1</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>6,185</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>4,530</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,732</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>CASH AND CASH EQUIVALENTS AT DECEMBER 31</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>6,661</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>6,185</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>4,530</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The ability of the subsidiary Bank to upstream cash to the parent company is restricted by regulations. Federal law prevents the parent company from borrowing from its subsidiary Bank unless the loans are secured by specified assets. Further, such secured loans are limited in amount to ten percent of the subsidiary Bank&#146;s capital and surplus. In addition, the Bank is subject to legal limitations on the amount of dividends that can be paid to its shareholder. The dividend limitation generally restricts dividend payments to a bank&#146;s retained net income for the current and preceding two calendar years. Cash may also be
upstreamed to the parent company by the subsidiaries as an inter-entity management fee. The subsidiary Bank had a combined $105,600,000 of restricted surplus and retained earnings at December 31, 2013. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">90</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">25.&nbsp;&nbsp;SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA </H2>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table sets forth certain unaudited quarterly consolidated financial data regarding the Company: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="280"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>2013 QUARTER ENDED</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>DEC. 31</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SEPT. 30</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>JUNE 30</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>MARCH 31</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PER SHARE DATA)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>10,203</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,811</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,627</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,702</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,605</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,611</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,606</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>1,660</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,598</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,200</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,021</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,042</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(1,000)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>&#151;</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>150</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>(250)</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income after provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>9,598</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,200</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>7,871</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>8,292</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,867</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,986</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>4,075</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>3,816</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Non-interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,746</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,413</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,442</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>10,622</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>2,719</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,773</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,504</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>1,486</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>878</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>547</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>434</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1><B>430</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,841</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,226</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,070</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1><B>1,056</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic earnings per common share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.10</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.06</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.05</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ --><B>$</B></TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.05</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted earnings per common share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.09</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.06</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.05</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.05</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends declared per common share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.01</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.01</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.01</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><B>0.00</B></TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="280"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="64"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="72"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left" ROWSPAN=1 COLSPAN=1></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=15>2012 QUARTER ENDED</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>DEC. 31</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>SEPT. 30</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>JUNE 30</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>MARCH 31</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left"  ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center" ROWSPAN=1 COLSPAN=15><FONT STYLE="font-weight: normal">(IN THOUSANDS, EXCEPT PER SHARE DATA)</FONT></TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,878</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,030</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>9,885</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>10,124</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,796</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,888</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>1,964</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>2,066</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,082</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,142</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,921</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,058</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>550</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(200</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(500</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>(625</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white">)<!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Net interest income after provision (credit) for loan losses</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>7,532</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,342</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,421</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>8,683</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Non-interest income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,887</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,649</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,733</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>3,674</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Non-interest expense</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,373</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,087</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,067</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>10,114</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Income before income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,046</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>1,904</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,087</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2,243</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Provision for income taxes</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>311</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>597</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>655</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>678</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Net income</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>735</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,307</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,432</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>1,565</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Basic earnings per common share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.04</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.05</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.06</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.06</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Diluted earnings per common share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.04</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.05</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.06</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.06</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Cash dividends declared per common share</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>0.00</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">91</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.<BR>&nbsp;&nbsp;<BR> NOTES TO CONSOLIDATED FINANCIAL STATEMENTS<BR> AT AND FOR THE YEARS ENDED<BR> DECEMBER 31, 2013, 2012 AND 2011 </H1>

<H2 STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">25.&nbsp;&nbsp;SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA &nbsp;&#150;&nbsp;(continued)</H2>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tRIRP"></a>REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Board of Directors and Shareholders<BR> AmeriServ Financial, Inc. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We have audited the accompanying consolidated balance sheets of AmeriServ Financial, Inc. and subsidiaries as of December 31, 2013 and 2012, and the related consolidated statements of operations, comprehensive income, changes in stockholders' equity, and cash flows for each of the three years in the year ended December 31, 2013. These consolidated financial statements are the responsibility of AmeriServ Financial, Inc.'s management. Our responsibility is to express an opinion on these financial statements based on our audits. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. The Company is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. Our audits included consideration of internal control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the
effectiveness of the Company&#146;s internal control over financial reporting. Accordingly, we express no such opinion. An audit also includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of AmeriServ Financial, Inc. and subsidiaries as of December 31, 2013 and 2012, and the results of their operations and their cash flows for each of the three years in the year ended December 31, 2013, in conformity with U.S. generally accepted accounting principles. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">/s/ S.R. Snodgrass, P.C.<BR> Wexford, Pennsylvania<BR> February 28, 2014 </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">92</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">REPORT ON MANAGEMENT&#146;S ASSESSMENT OF<BR> INTERNAL CONTROL OVER FINANCIAL REPORTING </H1>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Financial, Inc. is responsible for the preparation, integrity, and fair presentation of the consolidated financial statements included in this annual report. The consolidated financial statements and notes included in this annual report have been prepared in conformity with United States generally accepted accounting principles and necessarily include some amounts that are based on management&#146;s best estimates and judgments. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We, as management of AmeriServ Financial, Inc., are responsible for establishing and maintaining effective internal control over financial reporting that is designed to produce reliable financial statements in conformity with United States generally accepted accounting principles. The system of internal control over financial reporting as it relates to the financial statements is evaluated for effectiveness by management and tested for reliability through a program of internal audits. Actions are taken to correct potential deficiencies as they are identified. Any system of internal control, no matter how well designed, has
inherent limitations, including the possibility that a control can be circumvented or overridden and misstatements due to error or fraud may occur and not be detected. Also, because of changes in conditions, internal control effectiveness may vary over time. Accordingly, even an effective system of internal control will provide only reasonable assurance with respect to financial statement preparation. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management assessed the Company&#146;s system of internal control over financial reporting as of December 31, 2013, in relation to criteria for effective internal control over financial reporting as described in &#147;Internal Control&nbsp;&#151;&nbsp;Integrated Framework,&#148; issued by the Committee of Sponsoring Organizations of the Treadway Commission in 1992. Based on this assessment, management concludes that, as of December 31, 2013, its system of internal control over financial reporting is effective and meets the criteria of the 1992 &#147;Internal Control&nbsp;&#151;&nbsp;Integrated Framework&#148;. This annual
report does not include an attestation report of the Company&#146;s independent registered public accounting firm regarding internal control over financial reporting. Management&#146;s report was not subject to attestation by the Company&#146;s independent registered public accounting firm pursuant to the rules of the Securities and Exchange Commission that permit the Company to provide only management&#146;s report in this annual report. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="280"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="312"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ GLENN L. WILSON<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Glenn L. Wilson<BR> President &amp; Chief Executive Officer</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ JEFFREY A. STOPKO<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR><BR>Jeffrey A. Stopko<BR> Executive Vice President &amp; Chief Financial Officer</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Johnstown, PA<BR> February 20, 2014 </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">93</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tSMR"></a>STATEMENT OF MANAGEMENT RESPONSIBILITY </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">February 20, 2014 </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">To the Stockholders and<BR> Board of Directors of<BR> AmeriServ Financial, Inc. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management of AmeriServ Financial, Inc. and its subsidiaries have prepared the consolidated financial statements and other information in the Annual Report and Form 10-K in accordance with United States generally accepted accounting principles and are responsible for its accuracy. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In meeting its responsibility, management relies on internal accounting and related control systems, which include selection and training of qualified personnel, establishment and communication of accounting and administrative policies and procedures, appropriate segregation of responsibilities, and programs of internal audit. These systems are designed to provide reasonable assurance that financial records are reliable for preparing financial statements and maintaining accountability for assets and that assets are safeguarded against unauthorized use or disposition. Such assurance cannot be absolute because of inherent
limitations in any internal control system. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Management also recognizes its responsibility to foster a climate in which Company affairs are conducted with the highest ethical standards. The Company&#146;s Code of Conduct, furnished to each employee and director, addresses the importance of open internal communications, potential conflicts of interest, compliance with applicable laws, including those related to financial disclosure, the confidentiality of proprietary information, and other items. There is an ongoing program to assess compliance with these policies. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The Audit Committee of the Company&#146;s Board of Directors consists solely of outside directors. The Audit Committee meets periodically with management and the independent auditors to discuss audit, financial reporting, and related matters. S.R. Snodgrass P.C. and the Company&#146;s internal auditors have direct access to the Audit Committee. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="280"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="312"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ GLENN L. WILSON<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Glenn L. Wilson<BR>President &amp; Chief Executive Officer</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ JEFFREY A. STOPKO<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Jeffrey A. Stopko<BR> Executive Vice President &amp; Chief Financial Officer</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">94</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tCDAA"></a>ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">None. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tCAP"></a>ITEM 9A. CONTROLS AND PROCEDURES </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>Evaluation of Disclosure Controls and Procedures.</B>&nbsp;&nbsp;As of December 31, 2013, an evaluation was performed under the supervision and with the participation of the Company&#146;s management, including the Chief Executive Officer and Chief Financial Officer, on the effectiveness of the design and operation of the Company&#146;s disclosure controls and procedures (as defined in Rule 13a-15(e) under the Securities Exchange Act of 1934). Based on that evaluation, the Company&#146;s management, including the Chief Executive Officer and Chief Financial Officer, concluded that the Company&#146;s disclosure controls and
procedures were effective as of December 31, 2013. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Disclosure controls and procedures are the controls and other procedures that are designed to ensure that the information required to be disclosed by the Company in its reports filed and submitted under the Securities Exchange Act of 1934, as amended (&#147;Exchange Act&#148;), is recorded, processed, summarized and reported within the time periods specified in the Securities and Exchange Commission&#146;s rules and forms. Disclosure controls and procedures include, without limitation, controls and procedures designed to ensure that information required to be disclosed by the Company in its reports filed under the Exchange Act
is accumulated and communicated to the Company&#146;s management, including the principal executive officer and principal financial officer, as appropriate to allow timely decisions regarding required disclosure. </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>Management Report on Internal Control over Financial Reporting.</B>&nbsp;&nbsp;The Company&#146;s management is responsible for establishing and maintaining adequate internal control over financial reporting, as such term is defined in Rule 13a-15(f) under the Exchange Act. Management&#146;s assessment of internal control over financial reporting for the fiscal year ended December 31, 2013 is included in Item 8. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tOI"></a>ITEM 9B. OTHER INFORMATION </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">None. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">95</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PART III </H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tDEOC"></a>ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Information required by this section relating to Directors of the Registrant is presented in the &#147;Election of ASRV Directors&#148; section of the Proxy Statement for the Annual Meeting of Shareholders. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tEC"></a>ITEM 11. EXECUTIVE COMPENSATION </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Information required by this section is presented in the &#147;Compensation Committee Interlocks and Insider Participation,&#148; &#147;Compensation Discussion and Analysis,&#148; the &#147;Compensation Committee Report,&#148; and &#147;Compensation Paid to Executive Officers&#148; sections of the Proxy Statement for the Annual Meeting of Shareholders. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tSOCB"></a>ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Equity Compensation Plan Information </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The following table summarizes the number of shares remaining for issuance under ASRV&#146;s outstanding stock incentive plans as of December 31, 2013. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="264"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="96"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="96"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="104"></TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=13>Equity Compensation Plan Information</TD>

</TR>

<TR>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black"  ROWSPAN=1 COLSPAN=1>Plan category</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Number of securities to be issued upon exercise of outstanding options, warrants and rights<BR> (a)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Weighted-average exercise price of outstanding options, warrants and rights<BR> (b)</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=3>Number of securities remaining available for future issuance under equity compensation plans (excluding securities reflected in column (a)) (c)</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>Equity compensation plans approved by security holders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>487,349</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>2.55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>543,513</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 1pt solid white" ROWSPAN=1 COLSPAN=1>Equity compensation plans not approved by security holders</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 1pt solid white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>0</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 1pt solid white"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 20pt; text-indent: -10pt; vertical-align: text-bottom; border-bottom: 3pt double white" ROWSPAN=1 COLSPAN=1>Total</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>487,349</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->$</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>2.55</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center; border-bottom: 3pt double white" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double black" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right; border-bottom: 3pt double black" ROWSPAN=1 COLSPAN=1>543,513</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left; border-bottom: 3pt double white"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Information required by this section is presented in the &#147;Principal Owners&#148; and &#147;Security Ownership of Management&#148; sections of the Proxy Statement for the Annual Meeting of Shareholders. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tCRRT"></a>ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Information required by this section is presented in the &#147;Director Independence and Transactions with Related Parties&#148; section of the Proxy Statement for the Annual Meeting of Shareholders. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tPAFS"></a>ITEM 14. PRINCIPAL ACCOUNTANT FEES AND SERVICES </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Information required by this section is presented in the &#147;Independent Registered Accounting Firm&#148; section of the Proxy Statement for the Annual Meeting of Shareholders. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">96</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">PART IV</H1>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tEXH"></a>ITEM 15. EXHIBITS AND CONSOLIDATED FINANCIAL STATEMENT SCHEDULES </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CONSOLIDATED FINANCIAL STATEMENTS FILED: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The consolidated financial statements listed below are from this 2013 Form 10-K and Part II&nbsp;&#151;&nbsp;Item 8. Page references are to this Form 10-K. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CONSOLIDATED FINANCIAL STATEMENTS: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-bottom; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="552"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD COLSPAN="3"><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="40"></TD>

</TR>

<TR STYLE="background-color: white">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1>AmeriServ Financial, Inc. and Subsidiaries<BR></TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

          <TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1>&nbsp;&nbsp;</TD>

          <TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCBS">Consolidated Balance Sheets</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCBS">37</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCSO">Consolidated Statements of Operations</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCSO">38</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCSCI">Consolidated Statements of Comprehensive Income</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCSCI">40</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCSCS">Consolidated Statements of Changes in Stockholders&#146; Equity</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCSCS">41</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tCSCF">Consolidated Statements of Cash Flows</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tCSCF">42</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tNCFS">Notes to Consolidated Financial Statements</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tNCFS">43</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: #CCFFCC"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tRIRP">Report of Independent Registered Public Accounting Firm</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tRIRP">92</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

<TR STYLE="background-color: white"><TD STYLE="padding-left: 10pt; text-indent: -10pt; vertical-align: text-bottom" ROWSPAN=1 COLSPAN=1><a href="#tSMR">Statement of Management Responsibility</a></TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: center" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

<TD STYLE="width: 6px; vertical-align: text-bottom; text-align: left" ROWSPAN=1><!-- $ -->&nbsp;</TD>

<TD STYLE="vertical-align: text-bottom; text-align: right" ROWSPAN=1 COLSPAN=1><a href="#tSMR">94</a></TD>

<TD STYLE="white-space: nowrap; vertical-align: text-bottom; text-align: left"><!-- PERCENT -->&nbsp;</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CONSOLIDATED FINANCIAL STATEMENT SCHEDULES: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">These schedules are not required or are not applicable under Securities and Exchange Commission accounting regulations and therefore have been omitted. </P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">97</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EXHIBITS: </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The exhibits listed below are filed herewith or to other filings. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="52"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="340"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>EXHIBIT NUMBER</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>DESCRIPTION</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>PRIOR FILING OR EXHIBIT<BR> PAGE NUMBER HEREIN</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>&nbsp;3.1</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Amended and Restated Articles of Incorporation as amended through August 11, 2011.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Exhibit 3.1 to the Registration Statement on Form S-8<BR> (File No. 333-176869) filed on September 16, 2011.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>&nbsp;3.2</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Bylaws, as amended and restated on December 17, 2009.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Exhibit 3.2 to Form 8-K Filed on December 23, 2009.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.1</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Agreement, dated July 22, 2009, between AmeriServ Financial, Inc. and Glenn L. Wilson.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Exhibit 10.1 to Form 8-K Filed July 28, 2009.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.2</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Securities Purchase Agreement, dated August 11, 2011, between AmeriServ Financial, Inc. and the Secretary of the Treasury, with respect to the issuance and sale of the SBLF Preferred Stock.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Exhibit 10.1 to Form 8-K filed on August 12, 2011.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.3</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Repurchase Letter Agreement dated August 11, 2011, between AmeriServ Financial, Inc. and the United States Department of the Treasury, with respect to the repurchase and redemption of the TARP Preferred Stock.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Exhibit 10.2 to Form 8-K filed on August 12, 2011.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.4</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Letter Agreement, dated November 2, 2011, between AmeriServ Financial, Inc. and the United States Department of the Treasury, with respect to the repurchase of the Warrant.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Exhibit 10.1 to Form 8-K filed on November 2, 2011.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>10.5</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">AmeriServ Financial Inc. 2011 Stock Incentive Plan.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Appendix A to the Definitive Proxy Statement, filed under Schedule 14A, filed on March 21, 2011.</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>21.1</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Subsidiaries of the Registrant.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Below</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>23.1</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Consent of Independent Registered Public Accounting Firm</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Below</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>31.1</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Certification pursuant to Rule 13a-14(a)/15d-14(a), as adopted pursuant to section 302 of the Sarbanes-Oxley Act of 2002.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Below</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>31.2</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Certification pursuant to Rule 13a-14(a)/15d-14(a), as adopted pursuant to section 302 of the Sarbanes-Oxley Act of 2002.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Below</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>32.1</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Certification pursuant to 18 U.S.C. section 1350, as adopted pursuant to section 906 of the Sarbanes-Oxley Act of 2002.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Below</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>32.2</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Certification pursuant to 18 U.S.C. section 1350, as adopted pursuant to section 906 of the Sarbanes-Oxley Act of 2002.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Below</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="text-align: center" ROWSPAN=1 COLSPAN=1>101</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">The following information from AMERISERV FINANCIAL, INC.&#146;s Annual Report on Form 10-K for the year ended December 31, 2013, formatted in XBRL (eTensible Business Reporting Language): (i) Consolidated Balance Sheets, (ii) Consolidated Statements of Operations, (iii) Consolidated Statements of Cash Flows, and (iv) Notes to the Consolidated Financial Statements.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Below</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">98</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><a name="tSIG"></a>SIGNATURES </H1>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 244px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Financial, Inc.<BR> (Registrant) </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 241px"></TD>

          <TD STYLE="width: 20px; text-align: left">By:</TD>

          <TD STYLE="text-align: left">/s/ Glenn L. Wilson<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Glenn L. Wilson<BR> President &amp; CEO </TD>

</TR>

</TABLE>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Date: February 20, 2014 </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities indicated on February 20, 2014: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="152"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="96"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="208"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="104"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Craig G. Ford<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Craig G. Ford</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Chairman Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Glenn L. Wilson<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Glenn L. Wilson</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">President, CEO &amp; Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Jeffrey A. Stopko<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Jeffrey A. Stopko</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">EVP &amp; CFO</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ J. Michael Adams, Jr.<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>J. Michael Adams, Jr.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Very Rev. Christian R. Oravec<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Very Rev. Christian R. Oravec</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Allan R. Dennison<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Allan R. Dennison</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Mark E. Pasquerilla<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Mark E. Pasquerilla</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Daniel R. DeVos<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Daniel R. DeVos</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Howard M. Picking, III<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Howard M. Picking, III</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ James C. Dewar<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>James C. Dewar</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Sara A. Sargent<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Sara A. Sargent</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Bruce E. Duke, III<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Bruce E. Duke, III</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Thomas C. Slater<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Thomas C. Slater</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ James M. Edwards, Sr.<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>James M. Edwards, Sr.</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Robert L. Wise<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Robert L. Wise</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Kim W. Kunkle<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Kim W. Kunkle</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Margaret A. O&#146;Malley<BR> <IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Margaret A. O&#146;Malley</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Director</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">99</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<H1 STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 9pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AMERISERV FINANCIAL, INC.</H1>

<DIV STYLE="margin-top: 1px; margin-bottom: 1px; width: 30%; display: inline; vertical-align: top">

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>AMERISERV FINANCIAL<BR> BANK OFFICE LOCATIONS </B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">Main Office Downtown 216<BR> Franklin Street<BR> PO Box 520<BR> Johnstown, PA 15907-0520<BR> 1-800-837-BANK (2265) </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">Westmont Office<BR> 110 Plaza Drive<BR> Johnstown, PA 15905-1211 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">University Heights Office<BR> 1404 Eisenhower Boulevard<BR> Johnstown, PA 15904-3218 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">Eighth Ward Office<BR> 1059 Franklin Street<BR> Johnstown, PA 15905-4303 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">West End Office<BR> 163 Fairfield Avenue<BR> Johnstown, PA 15906-2392 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">Carrolltown Office<BR> 101 South Main Street<BR> Carrolltown, PA 15722-0507 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">Northern Cambria Office<BR> 4206 Crawford Avenue<BR> Suite 1 Northern Cambria,<BR> PA 15714-1342 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">Lovell Park Office<BR> 179 Lovell Avenue<BR> Ebensburg, PA 15931-1864 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">Nanty Glo Office<BR> 1383 Shoemaker Street<BR> Nanty Glo, PA 15943-1254 </TD>

</TR>

</TABLE>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Galleria Mall Office<BR> 500 Galleria Drive Suite 100<BR> Johnstown, PA 15904-8911</P>

</DIV><DIV STYLE="margin-top: 1px; margin-bottom: 1px; width: 2%; display: inline; vertical-align: middle">&nbsp;</DIV><DIV STYLE="margin-top: 1px; margin-bottom: 1px; width: 30%; display: inline; vertical-align: top">

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">&nbsp;<BR>&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">Seward Office<BR> 1 Roadway Plaza<BR> 6858 Route 711 Suite One<BR> Seward, PA 15954-3130 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">Windber Office<BR> 1501 Somerset Avenue<BR> Windber, PA 15963-1745 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">Central City Office<BR> 104 Sunshine Avenue<BR> Central City, PA 15926-1129 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">Somerset Office<BR> 108 W. Main Street<BR> Somerset, PA 15501-2035 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">Derry Office<BR> 112 South Chestnut Street<BR> Derry, PA 15627-1938 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">South Atherton Office<BR> 734 South Atherton Street<BR> State College, PA 16801-4628 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">Pittsburgh Office<BR> United Steelworkers Bldg<BR> 60 Boulevard of the Allies<BR> Suite 100<BR> Pittsburgh, PA 15222-1232 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">North Atherton Office<BR> 1857 N. Atherton Street<BR> State College, PA 16803-1521 </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*=</TD>

          <TD STYLE="text-align: left">24-Hour ATM<BR> Banking Available</TD>

</TR>

</TABLE>

</DIV><DIV STYLE="margin-top: 1px; margin-bottom: 1px; width: 2%; display: inline; vertical-align: middle">&nbsp;</DIV><DIV STYLE="margin-top: 1px; margin-bottom: 1px; width: 30%; display: inline; vertical-align: top">

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>REMOTE ATM<BR>BANKING LOCATIONS </B></P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">*</TD>

          <TD STYLE="text-align: left">East Hills Drive-up,<BR> 1213 Scalp Avenue,<BR> Johnstown Main Office,<BR> 216 Franklin Street,<BR> Johnstown The Galleria,<BR> Johnstown </TD>

</TR>

</TABLE>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"><B>AMERISERV LOAN<BR> PRODUCTION LOCATIONS</B> </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Main Office Downtown<BR> 216 Franklin Street<BR> PO Box 520<BR> Johnstown, PA 15907-0520 </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Altoona Office<BR> 3415 Pleasant Valley Boulevard<BR> Pleasant Valley Shopping Center<BR> Altoona, PA 16602-4321 </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Harrisburg Office<BR> 2080 Linglestown Road<BR> Suite 107<BR> Harrisburg, PA 17110-9693 </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Hagerstown Office<BR> 1829 Howell Road<BR> Suite 3<BR> Hagerstown, MD 21740-6606 </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Pittsburgh Loan Center<BR> 300 Penn Center Boulevard<BR> Suite 402<BR> Pittsburgh, PA 15235-5507</P>

</DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">100</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">

<div id="PN" style="PAGE-BREAK-AFTER: always">&nbsp;</div>

<div id="HDR">&nbsp;</div>

<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<P STYLE="text-align: left; font-family: Times New Roman, Times, Serif; font-size: 8pt; font-style: normal; font-variant: normal; font-weight: bold"><a href="#TOC">TABLE OF CONTENTS</a></P>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SHAREHOLDER INFORMATION </P>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SECURITIES MARKETS </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AmeriServ Financial, Inc. Common Stock is publicly traded and quoted on the NASDAQ National Market System. The common stock is traded under the symbol of &#147;ASRV.&#148; The listed market makers for the stock are: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="296"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="296"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>Sandler O&#146;Neill &amp; Partners, L.P.<BR> 1251 Avenue of the Americas<BR> 6<sup>th</sup> Floor<BR> New York, NY 10020<BR> Telephone: (800) 635-6860</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Keefe Bruyette &amp; Woods, Inc.<BR> 787 Seventh Avenue<BR> Equitable Bldg &#151; 4<sup>th</sup> Floor<BR> New York, NY 10019<BR> Telephone: (800) 966-1559</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>Stifel Nicolaus<BR> 1407 Eisenhower Boulevard<BR> Johnstown, PA 15904<BR> Telephone: (814) 269-9211</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Knight Capital Group, Inc.<BR> 545 Washington Boulevard<BR> Jersey City, NJ 07310<BR> Telephone: (800) 544-7508</TD>

</TR>

</TABLE></DIV>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CORPORATE OFFICES </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The corporate offices of AmeriServ Financial, Inc. are located at 216 Franklin Street, Johnstown, PA 15901. Mailing address: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">P.O. Box 430<BR> Johnstown, PA 15907-0430<BR> (814) 533-5300 </P>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">AGENTS </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">The transfer agent and registrar for AmeriServ Financial, Inc.&#146;s common stock is: </P>

<P STYLE="text-indent:0pt; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Computershare Investor Services<BR> P O Box 43078<BR> Providence, RI 02940-3078<BR> Shareholder Inquiries: 1-800-730-4001<BR> Internet Address: <I>http://www.Computershare.com</I> </P>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">INFORMATION </P>

<P STYLE="text-indent:20px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">Analysts, investors, shareholders, and others seeking financial data about AmeriServ Financial, Inc. or any of its subsidiaries&#146; annual and quarterly reports, proxy statements, 10-K, 10-Q, 8-K, and call reports&nbsp;&#151;&nbsp; are asked to contact Jeffrey A. Stopko, Executive Vice President &amp; Chief Financial Officer at (814) 533-5310 or by e-mail at <I>JStopko@AmeriServ.com</I>. The Company also maintains a website (<I>www.AmeriServ.com</I>) that makes available, free of charge, such reports and proxy statements and other current financial information, such as press releases and SEC documents, as well as the
corporate governance documents under the Investor Relations tab on the Company&#146;s website. Information contained on the Company&#146;s website is not incorporated by reference into this Annual Report on Form 10-K.</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">101</P>

<HR STYLE="width: 708px; height: 2px; text-align: center">



</DIV>

</B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B>

</I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I>

</BODY>

</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-21.1
<SEQUENCE>2
<FILENAME>v362341_ex21-1.htm
<DESCRIPTION>EXHIBIT 21.1
<TEXT>
<HTML>

     <HEAD>

          <TITLE></TITLE>

     </HEAD>

<BODY>

<DIV style="text-align: center; min-width: 708">


<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EXHIBIT 21.1 </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">SUBSIDIARIES OF THE REGISTRANT </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="312"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="80"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="184"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: left; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>NAME</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>PERCENT OF OWNERSHIP</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD STYLE="line-height: normal; vertical-align: text-bottom; font-weight: bold; font-size: 8pt; text-align: center; border-bottom: 1pt solid black" ROWSPAN=1 COLSPAN=1>JURISDICTION OF ORGANIZATION</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>AmeriServ Financial Bank<BR> 216 Franklin Street<BR> P.O. Box 520<BR> Johnstown, PA 15907-0520</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">100%</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Commonwealth of Pennsylvania</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>AmeriServ Life Insurance Company<BR> 101 N. First Avenue #2460<BR> Phoenix, AZ 85003</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">100%</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">State of Arizona</TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>AmeriServ Trust and Financial Services Company<BR> 216 Franklin Street<BR> P.O. Box 520<BR> Johnstown, PA 15907-0520</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">100%</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">Commonwealth of Pennsylvania</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<HR STYLE="width: 708px; height: 2px; text-align: center">



</DIV>

</B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B>

</I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I>

</BODY>

</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>3
<FILENAME>v362341_ex23-1.htm
<DESCRIPTION>EXHIBIT 23.1
<TEXT>
<HTML>

     <HEAD>

          <TITLE></TITLE>

     </HEAD>

<BODY>

<DIV style="text-align: center; min-width: 708">


<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EXHIBIT 23.1 </H2>

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM </H2>

<P STYLE="text-indent:20px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">We consent to the incorporation by reference in the Registration Statement Nos. 033-53935, 033-55207, 033-55845, 033-55211, 333-176869, and 333-67600 of AmeriServ Financial, Inc. on Form S-8 and Registration Nos. 033-56604, 333-129009, 333-50225, 333-120022, and 333-121215 of AmeriServ Financial, Inc. on Form S-3 of our report dated February 28, 2014, relating to our audit of the consolidated financial statements, which appear in this Annual Report on Form 10-K of AmeriServ Financial, Inc. for the year ended December 31, 2013. </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">/s/ S. R. Snodgrass, P.C.<BR> Wexford, Pennsylvania<BR> February 28, 2014</P>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<HR STYLE="width: 708px; height: 2px; text-align: center">



</DIV>

</B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B>

</I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I>

</BODY>

</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>4
<FILENAME>v362341_ex31-1.htm
<DESCRIPTION>EXHIBIT 31.1
<TEXT>
<HTML>

     <HEAD>

          <TITLE></TITLE>

     </HEAD>

<BODY>

<DIV style="text-align: center; min-width: 708">


<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EXHIBIT 31.1 </H2>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER<BR> PURSUANT TO RULES 13a-14 AND 15d-14 OF THE SECURITIES EXCHANGE ACT OF<BR> 1934 AND SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">I, Glenn L. Wilson, certify that: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">1.</TD>

          <TD STYLE="text-align: justify">I have reviewed this annual report on Form 10-K of AmeriServ Financial, Inc. (ASF); </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">2.</TD>

          <TD STYLE="text-align: justify">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">3.</TD>

          <TD STYLE="text-align: justify">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of ASF as of, and for, the periods presented in this report; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">4.</TD>

          <TD STYLE="text-align: justify">ASF&#146;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for ASF and have: </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(a)</TD>

          <TD STYLE="text-align: justify">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to ASF, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(b)</TD>

          <TD STYLE="text-align: justify">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(c)</TD>

          <TD STYLE="text-align: justify">Evaluated the effectiveness of ASF's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(d)</TD>

          <TD STYLE="text-align: justify">Disclosed in this report any change in ASF's internal control over financial reporting that occurred during ASF's most recent fiscal quarter (ASF's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, ASF's internal control over financial reporting; and </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">5.</TD>

          <TD STYLE="text-align: justify">ASF's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to ASF's auditors and the audit committee of ASF's board of directors: </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(a)</TD>

          <TD STYLE="text-align: justify">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect ASF's ability to record, process, summarize and report financial information; and </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(b)</TD>

          <TD STYLE="text-align: justify">Any fraud, whether or not material, that involves management or other employees who have a significant role in ASF's internal control over financial reporting. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="376"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="216"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Date: February 28, 2014</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Glenn L. Wilson<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Glenn L. Wilson<BR> President &amp; CEO</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<HR STYLE="width: 708px; height: 2px; text-align: center">



</DIV>

</B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B>

</I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I>

</BODY>

</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>5
<FILENAME>v362341_ex31-2.htm
<DESCRIPTION>EXHIBIT 31.2
<TEXT>
<HTML>

     <HEAD>

          <TITLE></TITLE>

     </HEAD>

<BODY>

<DIV style="text-align: center; min-width: 708">


<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EXHIBIT 31.2 </H2>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CERTIFICATION OF THE CHIEF FINANCIAL OFFICER<BR> PURSUANT TO RULES 13a-14 AND 15d-14 OF THE SECURITIES EXCHANGE ACT OF<BR> 1934 AND SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 24px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">I, Jeffrey A. Stopko, certify that: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">1.</TD>

          <TD STYLE="text-align: justify">I have reviewed this annual report on Form 10-K of AmeriServ Financial, Inc. (ASF); </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">2.</TD>

          <TD STYLE="text-align: justify">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">3.</TD>

          <TD STYLE="text-align: justify">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of ASF as of, and for, the periods presented in this report; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">4.</TD>

          <TD STYLE="text-align: justify">ASF&#146;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for ASF and have: </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(a)</TD>

          <TD STYLE="text-align: justify">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to ASF, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(b)</TD>

          <TD STYLE="text-align: justify">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(c)</TD>

          <TD STYLE="text-align: justify">Evaluated the effectiveness of ASF's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(d)</TD>

          <TD STYLE="text-align: justify">Disclosed in this report any change in ASF's internal control over financial reporting that occurred during ASF's most recent fiscal quarter (ASF's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, ASF's internal control over financial reporting; and </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 1px"></TD>

          <TD STYLE="width: 20px; text-align: left">5.</TD>

          <TD STYLE="text-align: justify">ASF's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to ASF's auditors and the audit committee of ASF's board of directors: </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(a)</TD>

          <TD STYLE="text-align: justify">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect ASF's ability to record, process, summarize and report financial information; and </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">(b)</TD>

          <TD STYLE="text-align: justify">Any fraud, whether or not material, that involves management or other employees who have a significant role in ASF's internal control over financial reporting. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="376"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="216"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 10pt; text-indent: -10pt" ROWSPAN=1 COLSPAN=1>Date: February 28, 2014</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">/s/ Jeffrey A. Stopko<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Jeffrey A. Stopko<BR> Executive Vice President &amp; CFO</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<HR STYLE="width: 708px; height: 2px; text-align: center">



</DIV>

</B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B>

</I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I>

</BODY>

</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.1
<SEQUENCE>6
<FILENAME>v362341_ex32-1.htm
<DESCRIPTION>EXHIBIT 32.1
<TEXT>
<HTML>

     <HEAD>

          <TITLE></TITLE>

     </HEAD>

<BODY>

<DIV style="text-align: center; min-width: 708">


<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EXHIBIT 32.1 </H2>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350<BR> AS ADOPTED PURSUANT TO<BR> SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In connection with the Annual Report of AmeriServ Financial, Inc. (the &#147;Company&#148;) on Form 10-K for the period ended December 31, 2013, as filed with the Securities and Exchange Commission on the date hereof (the &#147;Report&#148;), I, Glenn L. Wilson, President and Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. ss. 1350, as adopted pursuant to ss. 906 of the Sarbanes-Oxley Act of 2002, that: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">1).</TD>

          <TD STYLE="text-align: justify">The Report fully complies with the requirements of section 13(a) or 15 (d) of the Securities Exchange Act of 1934; and </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">2).</TD>

          <TD STYLE="text-align: justify">The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="216"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="376"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Glenn L. Wilson<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Glenn L. Wilson<BR> President and<BR> Chief Executive Officer<BR> February 28, 2014</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<HR STYLE="width: 708px; height: 2px; text-align: center">



</DIV>

</B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B>

</I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I>

</BODY>

</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.2
<SEQUENCE>7
<FILENAME>v362341_ex32-2.htm
<DESCRIPTION>EXHIBIT 32.2
<TEXT>
<HTML>

     <HEAD>

          <TITLE></TITLE>

     </HEAD>

<BODY>

<DIV style="text-align: center; min-width: 708">


<DIV STYLE="width: 708px; border-top: 1pt white solid; border-bottom: 1pt white solid; border-right: 1pt white solid; border-left: 1pt white solid; padding-top: 9pt; padding-bottom: 9pt; padding-right: 3pt; padding-left:6pt; margin-top:6pt; margin-right: 0pt; margin-left:0pt; margin-bottom:6pt" ALIGN="CENTER">

<H2 STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: bold; text-transform: none; padding-top: 5pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">EXHIBIT 32.2 </H2>

<P STYLE="text-indent:0pt; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350<BR> AS ADOPTED PURSUANT TO<BR> SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 </P>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">In connection with the Annual Report of AmeriServ Financial, Inc. (the &#147;Company&#148;) on Form 10-K for the period ended December 31, 2013, as filed with the Securities and Exchange Commission on the date hereof (the &#147;Report&#148;), I, Jeffrey A. Stopko, Executive Vice President and Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. ss. 1350, as adopted pursuant to ss. 906 of the Sarbanes-Oxley Act of 2002, that: </P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">1).</TD>

          <TD STYLE="text-align: justify">The Report fully complies with the requirements of section 13(a) or 15 (d) of the Securities Exchange Act of 1934; and </TD>

</TR>

</TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" STYLE="text-indent:0px; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR STYLE="font-weight: normal; font-style: normal; line-height: 12pt; font-size: 10pt; vertical-align: top; text-align: left">

          <TD STYLE="width: 21px"></TD>

          <TD STYLE="width: 20px; text-align: left">2).</TD>

          <TD STYLE="text-align: justify">The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. </TD>

</TR>

</TABLE>

<P STYLE="text-indent:0pt; text-align: justify; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 4px; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<DIV style="text-align: center"><TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="608" STYLE="vertical-align: text-top; text-indent:0px; text-align: left; font-family: Times New Roman, Times, Serif; font-size: 10pt; font-style: normal; font-variant: normal; font-weight: normal; text-transform: none; padding-top: 3pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: -24pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt">

<TR>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="216"></TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none"><!-- GUTTER -->&nbsp;</TD>

          <TD><IMG HEIGHT="1" SRC="spacer.gif" WIDTH="376"></TD>

</TR>

<TR STYLE="vertical-align: top">

          <TD STYLE="padding-left: 0pt; text-indent: -0pt" ROWSPAN=1 COLSPAN=1>/s/ Jeffrey A. Stopko<BR><IMG SRC="line.gif" STYLE="width: 100%; height: 1pt"><BR>Jeffrey A. Stopko<BR> Executive Vice President and<BR> <BR>Chief Financial Officer<BR> February 28, 2014</TD>

          <TD STYLE="width: 12px; vertical-align: text-bottom; text-align: center; border-bottom: none" ROWSPAN=1><!-- GUTTER -->&nbsp;</TD>

          <TD ROWSPAN=1 COLSPAN=1 STYLE="text-align: left">&nbsp;&nbsp;</TD>

</TR>

</TABLE></DIV>

</DIV>

<P STYLE="width: 708px; text-indent:0px; text-align: center; font-family: Times New Roman, Times, Serif; font-size: 10pt; line-height: 12pt; font-style: normal; font-variant: normal; font-weight: normal; color: black; text-transform: none; text-decoration: none; padding-top: 12pt; padding-right: 0pt; padding-left: 0pt; padding-bottom: 3pt; margin-top: 0pt; margin-right: 0pt; margin-left: 0pt; margin-bottom: 0pt"></P>

<HR STYLE="width: 708px; height: 2px; text-align: center">



</DIV>

</B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B></B>

</I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I></I>

</BODY>

</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.INS
<SEQUENCE>8
<FILENAME>asrv-20131231.xml
<DESCRIPTION>XBRL INSTANCE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
<!--Created by Vintage Filings ("VF")-->
<!--produced on 2014-02-26 @ 7:50 PM-->
<xbrl xmlns:asrv="http://ameriservfinancial.com/20131231" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xhtml="http://www.w3.org/1999/xhtml" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:dei="http://xbrl.sec.gov/dei/2013-01-31" xmlns:invest="http://xbrl.sec.gov/invest/2013-01-31" xmlns:us-gaap="http://fasb.org/us-gaap/2013-01-31" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns="http://www.xbrl.org/2003/instance">
  <link:schemaRef xlink:type="simple" xlink:href="asrv-20131231.xsd" />
  <asrv:AccretionOfRedemptionDiscount id="AccretionOfRedemptionDiscount.4554.4097.5169.0.0.0.0" xsi:nil="true" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4097.5169.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:AccretionOfRedemptionDiscount id="AccretionOfRedemptionDiscount.4555.4097.5169.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4097.5169.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:AccretionOfRedemptionDiscount id="AccretionOfRedemptionDiscount.4556.4097.5169.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4097.5169.0.0.0.0" unitRef="USD" decimals="-3">-331000</asrv:AccretionOfRedemptionDiscount>
  <asrv:AccretionOfRedemptionDiscount id="AccretionOfRedemptionDiscount.4554.4652.5169.0.0.0.0" xsi:nil="true" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4652.5169.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:AccretionOfRedemptionDiscount id="AccretionOfRedemptionDiscount.4555.4652.5169.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4652.5169.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:AccretionOfRedemptionDiscount id="AccretionOfRedemptionDiscount.4556.4652.5169.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4652.5169.0.0.0.0" unitRef="USD" decimals="-3">331000</asrv:AccretionOfRedemptionDiscount>
  <asrv:AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays id="AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">P120D</asrv:AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays>
  <asrv:AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings id="AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">344000</asrv:AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings>
  <asrv:AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings id="AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1500000</asrv:AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings>
  <asrv:AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss id="AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.4554.465.3750.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.465.3750.0.0.0.0" unitRef="USD" decimals="-3">-135000</asrv:AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss>
  <asrv:AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss id="AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.4554.4013.3750.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.3750.0.0.0.0" unitRef="USD" decimals="-3">441000</asrv:AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss>
  <asrv:AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss id="AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">306000</asrv:AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">62000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.4551.5478.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.5478.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">3000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.4551.3429.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">2000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">37000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.4551.1228.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.1228.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">102000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">126000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.4551.5478.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">7000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">1227000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.4551.3429.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">10000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">252000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.4551.1228.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">103000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1605000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">120000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">64000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.4551.5478.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">7000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">1224000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.4551.3429.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">8000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">215000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.4551.1228.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">103000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1503000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">118000</asrv:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI>
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost id="AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.4550.5478.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost id="AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">42939000</asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost>
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost id="AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.4550.1228.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost id="AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">42939000</asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost>
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue id="AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.4550.5478.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue id="AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">43962000</asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue>
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue id="AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.4550.1228.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue id="AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">43962000</asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue>
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis id="AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.4550.5478.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis id="AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">64347000</asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis>
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis id="AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.4550.1228.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis id="AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">64347000</asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis>
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue id="AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.4550.5478.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue id="AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">64751000</asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue>
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue id="AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.4550.1228.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue id="AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">64751000</asrv:AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm id="AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.4554.5478.1358.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.5478.1358.0.0.0.0">P3Y10M2D</asrv:AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm id="AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.4554.3429.1358.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3429.1358.0.0.0.0">P5Y26D</asrv:AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm id="AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.4554.1228.1358.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1228.1358.0.0.0.0">P4Y8M23D</asrv:AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYield id="AvailableForSaleSecuritiesDebtMaturitiesYield.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="pure" decimals="4">0.0149</asrv:AvailableForSaleSecuritiesDebtMaturitiesYield>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYield id="AvailableForSaleSecuritiesDebtMaturitiesYield.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="pure" decimals="4">0.0278</asrv:AvailableForSaleSecuritiesDebtMaturitiesYield>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYield id="AvailableForSaleSecuritiesDebtMaturitiesYield.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="pure" decimals="4">0.0168</asrv:AvailableForSaleSecuritiesDebtMaturitiesYield>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYield id="AvailableForSaleSecuritiesDebtMaturitiesYield.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0263</asrv:AvailableForSaleSecuritiesDebtMaturitiesYield>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears id="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="pure" decimals="0">0</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears id="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="pure" decimals="4">0.0274</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears id="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="pure" decimals="0">0</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears id="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0274</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears id="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="pure" decimals="4">0.0143</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears id="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="pure" decimals="4">0.0288</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears id="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="pure" decimals="4">0.0191</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears id="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0259</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears id="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="pure" decimals="3">0.015</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears id="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="pure" decimals="4">0.0454</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears id="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="pure" decimals="4">0.0156</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears id="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="3">0.019</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears id="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="pure" decimals="0">0</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears id="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="pure" decimals="4">0.0274</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears id="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="pure" decimals="0">0</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears id="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0274</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear id="AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="pure" decimals="0">0</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear id="AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="pure" decimals="0">0</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear id="AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="pure" decimals="0">0</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear>
  <asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear id="AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="0">0</asrv:AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI id="AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">35000</asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI id="AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.4551.5478.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">70000</asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI id="AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">3129000</asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI id="AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.4551.3429.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">6320000</asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI id="AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">21000</asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI id="AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.4551.1228.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">3000</asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI id="AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3185000</asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI id="AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6393000</asrv:AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI id="AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">126000</asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI id="AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.4551.5478.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">7000</asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI id="AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">1227000</asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI id="AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.4551.3429.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">10000</asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI id="AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">252000</asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI id="AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.4551.1228.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">103000</asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI id="AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1605000</asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI>
  <asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI id="AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">120000</asrv:AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI>
  <asrv:BorrowersAggregateExposureForLoanModificationMinimum id="BorrowersAggregateExposureForLoanModificationMinimum.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">250000</asrv:BorrowersAggregateExposureForLoanModificationMinimum>
  <asrv:BorrowingsAndAdvancesFromFhlbMaturingOvernight id="BorrowingsAndAdvancesFromFhlbMaturingOvernight.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">41555000</asrv:BorrowingsAndAdvancesFromFhlbMaturingOvernight>
  <asrv:BorrowingsAndAdvancesFromFhlbMaturingOvernight id="BorrowingsAndAdvancesFromFhlbMaturingOvernight.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">15660000</asrv:BorrowingsAndAdvancesFromFhlbMaturingOvernight>
  <asrv:BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate id="BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0025</asrv:BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate>
  <asrv:BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate id="BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0025</asrv:BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate>
  <asrv:BusinessAndNatureOfOperationsPolicyPolicyTextBlock id="BusinessAndNatureOfOperationsPolicyPolicyTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; BUSINESS AND NATURE OF OPERATIONS:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; AmeriServ Financial, Inc. (the Company) is a bank holding company, headquartered in Johnstown, Pennsylvania. Through its banking subsidiary the Company operates 18 banking locations in five southwestern Pennsylvania counties. These branches provide a full range of consumer, mortgage, and commercial financial products. The AmeriServ Trust and Financial Services Company (Trust Company) offers a complete range of trust and financial services and administers assets valued at approximately $1.7 billion that are not recognized on the Company&amp;#39;s Consolidated Balance Sheet at December 31, 2013.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:BusinessAndNatureOfOperationsPolicyPolicyTextBlock>
  <asrv:CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings id="CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">110780000</asrv:CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings>
  <asrv:CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings id="CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">94206000</asrv:CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings>
  <asrv:CommercialLoanReceivableModificationsRecordedInvestment id="CommercialLoanReceivableModificationsRecordedInvestment.4554.3405.2302.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3405.2302.0.0.0.0" unitRef="USD" decimals="-3">1480000</asrv:CommercialLoanReceivableModificationsRecordedInvestment>
  <asrv:CommercialLoanReceivableModificationsRecordedInvestment id="CommercialLoanReceivableModificationsRecordedInvestment.4555.3405.2302.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3405.2302.0.0.0.0" unitRef="USD" decimals="-3">595000</asrv:CommercialLoanReceivableModificationsRecordedInvestment>
  <asrv:CommercialLoanReceivableModificationsRecordedInvestment id="CommercialLoanReceivableModificationsRecordedInvestment.4556.3405.2302.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3405.2302.0.0.0.0" unitRef="USD" decimals="-3">1312000</asrv:CommercialLoanReceivableModificationsRecordedInvestment>
  <asrv:CommercialLoanReceivableModificationsRecordedInvestment id="CommercialLoanReceivableModificationsRecordedInvestment.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1480000</asrv:CommercialLoanReceivableModificationsRecordedInvestment>
  <asrv:CommercialLoanReceivableModificationsRecordedInvestment id="CommercialLoanReceivableModificationsRecordedInvestment.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">595000</asrv:CommercialLoanReceivableModificationsRecordedInvestment>
  <asrv:CommercialLoanReceivableModificationsRecordedInvestment id="CommercialLoanReceivableModificationsRecordedInvestment.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1312000</asrv:CommercialLoanReceivableModificationsRecordedInvestment>
  <asrv:ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive id="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">100000</asrv:ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive>
  <asrv:ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths id="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">32109000</asrv:ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths>
  <asrv:ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive id="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive.4550.0.0.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour id="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">217000</asrv:ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour>
  <asrv:ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree id="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1551000</asrv:ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree>
  <asrv:ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo id="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">13310000</asrv:ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo>
  <asrv:DebtAndCapitalLeaseObligationsFairValueDisclosure id="DebtAndCapitalLeaseObligationsFairValueDisclosure.4550.2138.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2138.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:DebtAndCapitalLeaseObligationsFairValueDisclosure id="DebtAndCapitalLeaseObligationsFairValueDisclosure.4551.2138.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2138.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:DebtAndCapitalLeaseObligationsFairValueDisclosure id="DebtAndCapitalLeaseObligationsFairValueDisclosure.4550.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:DebtAndCapitalLeaseObligationsFairValueDisclosure id="DebtAndCapitalLeaseObligationsFairValueDisclosure.4551.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:DebtAndCapitalLeaseObligationsFairValueDisclosure id="DebtAndCapitalLeaseObligationsFairValueDisclosure.4550.2129.1998.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2129.1998.0.0.0.0" unitRef="USD" decimals="-3">40598000</asrv:DebtAndCapitalLeaseObligationsFairValueDisclosure>
  <asrv:DebtAndCapitalLeaseObligationsFairValueDisclosure id="DebtAndCapitalLeaseObligationsFairValueDisclosure.4551.2129.1998.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2129.1998.0.0.0.0" unitRef="USD" decimals="-3">30442000</asrv:DebtAndCapitalLeaseObligationsFairValueDisclosure>
  <asrv:DebtAndCapitalLeaseObligationsFairValueDisclosure id="DebtAndCapitalLeaseObligationsFairValueDisclosure.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">40598000</asrv:DebtAndCapitalLeaseObligationsFairValueDisclosure>
  <asrv:DebtAndCapitalLeaseObligationsFairValueDisclosure id="DebtAndCapitalLeaseObligationsFairValueDisclosure.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">30442000</asrv:DebtAndCapitalLeaseObligationsFairValueDisclosure>
  <asrv:DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock id="DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="pure" decimals="1">0.1</asrv:DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock>
  <asrv:DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours id="DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="pure" decimals="0">1000</asrv:DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours>
  <asrv:DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock id="DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="pure" decimals="3">0.024</asrv:DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock>
  <asrv:DefinedBenefitPlanVestingPeriod id="DefinedBenefitPlanVestingPeriod.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0">P5Y</asrv:DefinedBenefitPlanVestingPeriod>
  <asrv:DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld id="DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">802000</asrv:DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld>
  <asrv:DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent id="DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="pure" decimals="2">0.04</asrv:DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent>
  <asrv:DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent id="DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="pure" decimals="2">0.04</asrv:DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent>
  <asrv:DepositsWithNoStatedMaturities id="DepositsWithNoStatedMaturities.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">546384000</asrv:DepositsWithNoStatedMaturities>
  <asrv:DepositsWithNoStatedMaturities id="DepositsWithNoStatedMaturities.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">520002000</asrv:DepositsWithNoStatedMaturities>
  <asrv:DepositsWithNoStatedMaturitiesFairValueDisclosure id="DepositsWithNoStatedMaturitiesFairValueDisclosure.4550.2138.1998.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2138.1998.0.0.0.0" unitRef="USD" decimals="-3">546384000</asrv:DepositsWithNoStatedMaturitiesFairValueDisclosure>
  <asrv:DepositsWithNoStatedMaturitiesFairValueDisclosure id="DepositsWithNoStatedMaturitiesFairValueDisclosure.4551.2138.1998.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2138.1998.0.0.0.0" unitRef="USD" decimals="-3">520002000</asrv:DepositsWithNoStatedMaturitiesFairValueDisclosure>
  <asrv:DepositsWithNoStatedMaturitiesFairValueDisclosure id="DepositsWithNoStatedMaturitiesFairValueDisclosure.4550.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:DepositsWithNoStatedMaturitiesFairValueDisclosure id="DepositsWithNoStatedMaturitiesFairValueDisclosure.4551.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:DepositsWithNoStatedMaturitiesFairValueDisclosure id="DepositsWithNoStatedMaturitiesFairValueDisclosure.4550.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:DepositsWithNoStatedMaturitiesFairValueDisclosure id="DepositsWithNoStatedMaturitiesFairValueDisclosure.4551.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:DepositsWithNoStatedMaturitiesFairValueDisclosure id="DepositsWithNoStatedMaturitiesFairValueDisclosure.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">546384000</asrv:DepositsWithNoStatedMaturitiesFairValueDisclosure>
  <asrv:DepositsWithNoStatedMaturitiesFairValueDisclosure id="DepositsWithNoStatedMaturitiesFairValueDisclosure.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">520002000</asrv:DepositsWithNoStatedMaturitiesFairValueDisclosure>
  <asrv:DepositsWithStatedMaturities id="DepositsWithStatedMaturities.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">308138000</asrv:DepositsWithStatedMaturities>
  <asrv:DepositsWithStatedMaturities id="DepositsWithStatedMaturities.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">315732000</asrv:DepositsWithStatedMaturities>
  <asrv:DepositsWithStatedMaturitiesFairValueDisclosure id="DepositsWithStatedMaturitiesFairValueDisclosure.4550.2138.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2138.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:DepositsWithStatedMaturitiesFairValueDisclosure id="DepositsWithStatedMaturitiesFairValueDisclosure.4551.2138.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2138.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:DepositsWithStatedMaturitiesFairValueDisclosure id="DepositsWithStatedMaturitiesFairValueDisclosure.4550.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:DepositsWithStatedMaturitiesFairValueDisclosure id="DepositsWithStatedMaturitiesFairValueDisclosure.4551.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:DepositsWithStatedMaturitiesFairValueDisclosure id="DepositsWithStatedMaturitiesFairValueDisclosure.4550.2129.1998.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2129.1998.0.0.0.0" unitRef="USD" decimals="-3">313272000</asrv:DepositsWithStatedMaturitiesFairValueDisclosure>
  <asrv:DepositsWithStatedMaturitiesFairValueDisclosure id="DepositsWithStatedMaturitiesFairValueDisclosure.4551.2129.1998.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2129.1998.0.0.0.0" unitRef="USD" decimals="-3">320930000</asrv:DepositsWithStatedMaturitiesFairValueDisclosure>
  <asrv:DepositsWithStatedMaturitiesFairValueDisclosure id="DepositsWithStatedMaturitiesFairValueDisclosure.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">313272000</asrv:DepositsWithStatedMaturitiesFairValueDisclosure>
  <asrv:DepositsWithStatedMaturitiesFairValueDisclosure id="DepositsWithStatedMaturitiesFairValueDisclosure.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">320930000</asrv:DepositsWithStatedMaturitiesFairValueDisclosure>
  <asrv:DividendAnnualizedPeriod id="DividendAnnualizedPeriod.4554.36878.36795.3382.4365.5025.5173" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36878.36795.3382.4365.5025.5173">2011-08-11</asrv:DividendAnnualizedPeriod>
  <asrv:DividendAnnualizedPeriod id="DividendAnnualizedPeriod.4554.36878.36795.3373.4365.5025.5173" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36878.36795.3373.4365.5025.5173">2011-12-31</asrv:DividendAnnualizedPeriod>
  <asrv:DividendAnnualizedPeriod id="DividendAnnualizedPeriod.4554.36880.36795.3382.4365.5025.5173" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36880.36795.3382.4365.5025.5173">2012-01-01</asrv:DividendAnnualizedPeriod>
  <asrv:DividendAnnualizedPeriod id="DividendAnnualizedPeriod.4554.36880.36795.3373.4365.5025.5173" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36880.36795.3373.4365.5025.5173">2013-12-31</asrv:DividendAnnualizedPeriod>
  <asrv:DividendAnnualizedPeriod id="DividendAnnualizedPeriod.4554.36879.36795.3382.4365.5025.5173" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36879.36795.3382.4365.5025.5173">2014-01-01</asrv:DividendAnnualizedPeriod>
  <asrv:DividendAnnualizedPeriod id="DividendAnnualizedPeriod.4554.36879.36795.3373.4365.5025.5173" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36879.36795.3373.4365.5025.5173">2016-02-07</asrv:DividendAnnualizedPeriod>
  <asrv:DividendAnnualizedPeriod id="DividendAnnualizedPeriod.4554.36877.36795.3382.4365.5025.5173" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36877.36795.3382.4365.5025.5173">2016-02-08</asrv:DividendAnnualizedPeriod>
  <asrv:FairValueAppraisalOfAdjustments id="FairValueAppraisalOfAdjustments.4550.43662.2030.2056.1988.0.0" contextRef="as-of-2013-12-31.4550.0.43662.2030.2056.1988.0.0" unitRef="pure" decimals="1">0.3</asrv:FairValueAppraisalOfAdjustments>
  <asrv:FairValueAppraisalOfAdjustments id="FairValueAppraisalOfAdjustments.4551.43662.2030.2056.1988.0.0" contextRef="as-of-2012-12-31.4551.0.43662.2030.2056.1988.0.0" unitRef="pure" decimals="1">0.2</asrv:FairValueAppraisalOfAdjustments>
  <asrv:FairValueAppraisalOfAdjustments id="FairValueAppraisalOfAdjustments.4550.43663.2030.2056.1988.0.0" contextRef="as-of-2013-12-31.4550.0.43663.2030.2056.1988.0.0" unitRef="pure" decimals="2">0.38</asrv:FairValueAppraisalOfAdjustments>
  <asrv:FairValueAppraisalOfAdjustments id="FairValueAppraisalOfAdjustments.4551.43663.2030.2056.1988.0.0" contextRef="as-of-2012-12-31.4551.0.43663.2030.2056.1988.0.0" unitRef="pure" decimals="2">0.15</asrv:FairValueAppraisalOfAdjustments>
  <asrv:FairValueAppraisalOfAdjustments id="FairValueAppraisalOfAdjustments.4550.43662.2030.2056.1988.3382.4365" contextRef="as-of-2013-12-31.4550.0.43662.2030.2056.1988.3382.4365" unitRef="pure" decimals="0">0</asrv:FairValueAppraisalOfAdjustments>
  <asrv:FairValueAppraisalOfAdjustments id="FairValueAppraisalOfAdjustments.4551.43662.2030.2056.1988.3382.4365" contextRef="as-of-2012-12-31.4551.0.43662.2030.2056.1988.3382.4365" unitRef="pure" decimals="2">0.01</asrv:FairValueAppraisalOfAdjustments>
  <asrv:FairValueAppraisalOfAdjustments id="FairValueAppraisalOfAdjustments.4550.43662.2030.2056.1988.3373.4365" contextRef="as-of-2013-12-31.4550.0.43662.2030.2056.1988.3373.4365" unitRef="pure" decimals="2">0.37</asrv:FairValueAppraisalOfAdjustments>
  <asrv:FairValueAppraisalOfAdjustments id="FairValueAppraisalOfAdjustments.4551.43662.2030.2056.1988.3373.4365" contextRef="as-of-2012-12-31.4551.0.43662.2030.2056.1988.3373.4365" unitRef="pure" decimals="2">0.35</asrv:FairValueAppraisalOfAdjustments>
  <asrv:FairValueAppraisalOfAdjustments id="FairValueAppraisalOfAdjustments.4550.43663.2030.2056.1988.3382.4365" contextRef="as-of-2013-12-31.4550.0.43663.2030.2056.1988.3382.4365" unitRef="pure" decimals="2">0.31</asrv:FairValueAppraisalOfAdjustments>
  <asrv:FairValueAppraisalOfAdjustments id="FairValueAppraisalOfAdjustments.4551.43663.2030.2056.1988.3382.4365" contextRef="as-of-2012-12-31.4551.0.43663.2030.2056.1988.3382.4365" unitRef="pure" decimals="2">0.01</asrv:FairValueAppraisalOfAdjustments>
  <asrv:FairValueAppraisalOfAdjustments id="FairValueAppraisalOfAdjustments.4550.43663.2030.2056.1988.3373.4365" contextRef="as-of-2013-12-31.4550.0.43663.2030.2056.1988.3373.4365" unitRef="pure" decimals="2">0.48</asrv:FairValueAppraisalOfAdjustments>
  <asrv:FairValueAppraisalOfAdjustments id="FairValueAppraisalOfAdjustments.4551.43663.2030.2056.1988.3373.4365" contextRef="as-of-2012-12-31.4551.0.43663.2030.2056.1988.3373.4365" unitRef="pure" decimals="1">0.2</asrv:FairValueAppraisalOfAdjustments>
  <asrv:FairValueLiquidationExpenses id="FairValueLiquidationExpenses.4550.43662.2030.2056.1988.0.0" contextRef="as-of-2013-12-31.4550.0.43662.2030.2056.1988.0.0" unitRef="pure" decimals="1">0.1</asrv:FairValueLiquidationExpenses>
  <asrv:FairValueLiquidationExpenses id="FairValueLiquidationExpenses.4551.43662.2030.2056.1988.0.0" contextRef="as-of-2012-12-31.4551.0.43662.2030.2056.1988.0.0" unitRef="pure" decimals="1">0.1</asrv:FairValueLiquidationExpenses>
  <asrv:FairValueLiquidationExpenses id="FairValueLiquidationExpenses.4550.43663.2030.2056.1988.0.0" contextRef="as-of-2013-12-31.4550.0.43663.2030.2056.1988.0.0" unitRef="pure" decimals="1">0.1</asrv:FairValueLiquidationExpenses>
  <asrv:FairValueLiquidationExpenses id="FairValueLiquidationExpenses.4551.43663.2030.2056.1988.0.0" contextRef="as-of-2012-12-31.4551.0.43663.2030.2056.1988.0.0" unitRef="pure" decimals="1">0.1</asrv:FairValueLiquidationExpenses>
  <asrv:FairValueLiquidationExpenses id="FairValueLiquidationExpenses.4550.43662.2030.2056.1988.3382.4365" contextRef="as-of-2013-12-31.4550.0.43662.2030.2056.1988.3382.4365" unitRef="pure" decimals="2">0.01</asrv:FairValueLiquidationExpenses>
  <asrv:FairValueLiquidationExpenses id="FairValueLiquidationExpenses.4551.43662.2030.2056.1988.3382.4365" contextRef="as-of-2012-12-31.4551.0.43662.2030.2056.1988.3382.4365" unitRef="pure" decimals="2">0.01</asrv:FairValueLiquidationExpenses>
  <asrv:FairValueLiquidationExpenses id="FairValueLiquidationExpenses.4550.43662.2030.2056.1988.3373.4365" contextRef="as-of-2013-12-31.4550.0.43662.2030.2056.1988.3373.4365" unitRef="pure" decimals="2">0.15</asrv:FairValueLiquidationExpenses>
  <asrv:FairValueLiquidationExpenses id="FairValueLiquidationExpenses.4551.43662.2030.2056.1988.3373.4365" contextRef="as-of-2012-12-31.4551.0.43662.2030.2056.1988.3373.4365" unitRef="pure" decimals="2">0.15</asrv:FairValueLiquidationExpenses>
  <asrv:FairValueLiquidationExpenses id="FairValueLiquidationExpenses.4550.43663.2030.2056.1988.3382.4365" contextRef="as-of-2013-12-31.4550.0.43663.2030.2056.1988.3382.4365" unitRef="pure" decimals="2">0.01</asrv:FairValueLiquidationExpenses>
  <asrv:FairValueLiquidationExpenses id="FairValueLiquidationExpenses.4551.43663.2030.2056.1988.3382.4365" contextRef="as-of-2012-12-31.4551.0.43663.2030.2056.1988.3382.4365" unitRef="pure" decimals="2">0.01</asrv:FairValueLiquidationExpenses>
  <asrv:FairValueLiquidationExpenses id="FairValueLiquidationExpenses.4550.43663.2030.2056.1988.3373.4365" contextRef="as-of-2013-12-31.4550.0.43663.2030.2056.1988.3373.4365" unitRef="pure" decimals="1">0.2</asrv:FairValueLiquidationExpenses>
  <asrv:FairValueLiquidationExpenses id="FairValueLiquidationExpenses.4551.43663.2030.2056.1988.3373.4365" contextRef="as-of-2012-12-31.4551.0.43663.2030.2056.1988.3373.4365" unitRef="pure" decimals="1">0.2</asrv:FairValueLiquidationExpenses>
  <asrv:FederalHomeLoanBankPrepaymentPenalties id="FederalHomeLoanBankPrepaymentPenalties.4554.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:FederalHomeLoanBankPrepaymentPenalties id="FederalHomeLoanBankPrepaymentPenalties.4555.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:FederalHomeLoanBankPrepaymentPenalties id="FederalHomeLoanBankPrepaymentPenalties.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">240000</asrv:FederalHomeLoanBankPrepaymentPenalties>
  <asrv:FederalHomeLoanBankStockParValue id="FederalHomeLoanBankStockParValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="0">100</asrv:FederalHomeLoanBankStockParValue>
  <asrv:FederalHomeLoanBankStockPolicyPolicyTextBlock id="FederalHomeLoanBankStockPolicyPolicyTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; FEDERAL HOME LOAN BANK STOCK:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB) and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. The stock is bought from and sold to the FHLB based upon its $100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated for by management. The stock&amp;#39;s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time any such situation has persisted (b) Commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) The impact of legislative and regulatory changes on the customer base of FHLB and (d) The liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:FederalHomeLoanBankStockPolicyPolicyTextBlock>
  <asrv:FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment id="FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment.4550.36898.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36898.2295.0.0.0.0" unitRef="USD" decimals="-3">250000</asrv:FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment>
  <asrv:FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment id="FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">250000</asrv:FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment>
  <asrv:FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment id="FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.4550.1071.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1071.2295.0.0.0.0" unitRef="USD" decimals="-3">250000</asrv:FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment>
  <asrv:FinancingReceivableMinimumPercentRequiredToBeReviewed id="FinancingReceivableMinimumPercentRequiredToBeReviewed.4554.1070.2295.3382.4365.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1070.2295.3382.4365.0.0" unitRef="pure" decimals="1">0.5</asrv:FinancingReceivableMinimumPercentRequiredToBeReviewed>
  <asrv:FinancingReceivableMinimumPercentRequiredToBeReviewed id="FinancingReceivableMinimumPercentRequiredToBeReviewed.4554.1070.2295.3373.4365.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1070.2295.3373.4365.0.0" unitRef="pure" decimals="2">0.55</asrv:FinancingReceivableMinimumPercentRequiredToBeReviewed>
  <asrv:FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews id="FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.4550.3918.2889.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3918.2889.0.0.0.0" unitRef="USD" decimals="-3">1000000</asrv:FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews>
  <asrv:FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews id="FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.4550.5132.2889.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5132.2889.0.0.0.0" unitRef="USD" decimals="-3">250000</asrv:FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews>
  <asrv:FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews id="FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.4550.1326.2889.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1326.2889.0.0.0.0" unitRef="USD" decimals="-3">100000</asrv:FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews>
  <asrv:FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment id="FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment.4550.1070.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">250000</asrv:FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment>
  <asrv:GainOnSaleOfSecurities id="GainOnSaleOfSecurities.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">289000</asrv:GainOnSaleOfSecurities>
  <asrv:GainOnSaleOfSecurities id="GainOnSaleOfSecurities.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">12000</asrv:GainOnSaleOfSecurities>
  <asrv:GainOnSaleOfSecurities id="GainOnSaleOfSecurities.4556.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain id="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">289000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain id="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.4551.3429.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">578000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain id="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.4550.3820.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.3820.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain id="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.4551.3820.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">14000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain id="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.4550.5399.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.5399.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain id="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.4551.5399.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.5399.1358.0.0.0.0" unitRef="USD" decimals="-3">6000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain id="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">289000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain id="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">598000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss id="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">477000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss id="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.4551.3429.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.3429.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss id="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.4550.3820.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">91000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss id="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.4551.3820.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">55000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss id="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.4550.5399.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5399.1358.0.0.0.0" unitRef="USD" decimals="-3">120000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss id="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.4551.5399.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.5399.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss id="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">688000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss>
  <asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss id="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">55000</asrv:HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss>
  <asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss id="HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.4550.3820.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">6000</asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
  <asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss id="HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.4551.3820.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">20000</asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
  <asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss id="HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6000</asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
  <asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss id="HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">20000</asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
  <asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss id="HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.4550.3429.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.4550.3820.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">211000</asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss>
  <asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.4551.3820.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">55000</asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss>
  <asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">688000</asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss>
  <asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">55000</asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss>
  <asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">477000</asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss>
  <asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.4550.3820.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">205000</asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
  <asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.4551.3820.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">35000</asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
  <asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">682000</asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
  <asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">35000</asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
  <asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">477000</asrv:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
  <asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue id="HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">10865000</asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue>
  <asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue id="HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.4550.36786.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0" unitRef="USD" decimals="-3">1448000</asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue>
  <asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue id="HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">12313000</asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue>
  <asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount id="HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">10911000</asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount>
  <asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount id="HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.4550.36786.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0" unitRef="USD" decimals="-3">1505000</asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount>
  <asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount id="HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">12416000</asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount>
  <asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue id="HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.4550.3429.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue id="HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.4550.36786.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0" unitRef="USD" decimals="-3">891000</asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue>
  <asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue id="HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">891000</asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue>
  <asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount id="HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.4550.3429.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount id="HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.4550.36786.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0" unitRef="USD" decimals="-3">1011000</asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount>
  <asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount id="HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1011000</asrv:HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYield id="HeldToMaturitySecuritiesDebtMaturitiesYield.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="pure" decimals="3">0.033</asrv:HeldToMaturitySecuritiesDebtMaturitiesYield>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYield id="HeldToMaturitySecuritiesDebtMaturitiesYield.4550.36786.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0" unitRef="pure" decimals="4">0.0261</asrv:HeldToMaturitySecuritiesDebtMaturitiesYield>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYield id="HeldToMaturitySecuritiesDebtMaturitiesYield.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0309</asrv:HeldToMaturitySecuritiesDebtMaturitiesYield>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="pure" decimals="4">0.0349</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.4550.36786.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0" unitRef="pure" decimals="4">0.0454</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0362</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="pure" decimals="3">0.021</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.4550.36786.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0" unitRef="pure" decimals="0">0</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="3">0.021</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="pure" decimals="0">0</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.4550.36786.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0" unitRef="pure" decimals="4">0.0146</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0146</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="pure" decimals="0">0</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.4550.36786.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0" unitRef="pure" decimals="4">0.0314</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears id="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0314</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear id="HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="pure" decimals="0">0</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear id="HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.4550.36786.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0" unitRef="pure" decimals="0">0</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear>
  <asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear id="HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="0">0</asrv:HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear>
  <asrv:HeldToMaturitySecuritiesWeightedAverageMaturityTerm id="HeldToMaturitySecuritiesWeightedAverageMaturityTerm.4554.3429.1358.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3429.1358.0.0.0.0">P6Y8M23D</asrv:HeldToMaturitySecuritiesWeightedAverageMaturityTerm>
  <asrv:HeldToMaturitySecuritiesWeightedAverageMaturityTerm id="HeldToMaturitySecuritiesWeightedAverageMaturityTerm.4554.3820.1358.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3820.1358.0.0.0.0">P5Y9M26D</asrv:HeldToMaturitySecuritiesWeightedAverageMaturityTerm>
  <asrv:IncreaseDecreaseInShortTermDebtInvesting id="IncreaseDecreaseInShortTermDebtInvesting.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">679000</asrv:IncreaseDecreaseInShortTermDebtInvesting>
  <asrv:IncreaseDecreaseInShortTermDebtInvesting id="IncreaseDecreaseInShortTermDebtInvesting.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">300000</asrv:IncreaseDecreaseInShortTermDebtInvesting>
  <asrv:IncreaseDecreaseInShortTermDebtInvesting id="IncreaseDecreaseInShortTermDebtInvesting.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">443000</asrv:IncreaseDecreaseInShortTermDebtInvesting>
  <asrv:IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure id="IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">100000</asrv:IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure>
  <asrv:InterestAndFeeIncomeLoansAndLeasesTaxable id="InterestAndFeeIncomeLoansAndLeasesTaxable.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">35063000</asrv:InterestAndFeeIncomeLoansAndLeasesTaxable>
  <asrv:InterestAndFeeIncomeLoansAndLeasesTaxable id="InterestAndFeeIncomeLoansAndLeasesTaxable.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">34752000</asrv:InterestAndFeeIncomeLoansAndLeasesTaxable>
  <asrv:InterestAndFeeIncomeLoansAndLeasesTaxable id="InterestAndFeeIncomeLoansAndLeasesTaxable.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">35630000</asrv:InterestAndFeeIncomeLoansAndLeasesTaxable>
  <asrv:InterestAndFeeIncomeLoansAndLeasesTaxExempt id="InterestAndFeeIncomeLoansAndLeasesTaxExempt.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">57000</asrv:InterestAndFeeIncomeLoansAndLeasesTaxExempt>
  <asrv:InterestAndFeeIncomeLoansAndLeasesTaxExempt id="InterestAndFeeIncomeLoansAndLeasesTaxExempt.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">63000</asrv:InterestAndFeeIncomeLoansAndLeasesTaxExempt>
  <asrv:InterestAndFeeIncomeLoansAndLeasesTaxExempt id="InterestAndFeeIncomeLoansAndLeasesTaxExempt.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">69000</asrv:InterestAndFeeIncomeLoansAndLeasesTaxExempt>
  <asrv:InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore id="InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">289000</asrv:InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore>
  <asrv:InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore id="InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">435000</asrv:InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore>
  <asrv:InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore id="InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">637000</asrv:InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore>
  <asrv:InterestIncomeRecordedNonaccrualLoans id="InterestIncomeRecordedNonaccrualLoans.4554.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:InterestIncomeRecordedNonaccrualLoans id="InterestIncomeRecordedNonaccrualLoans.4555.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:InterestIncomeRecordedNonaccrualLoans id="InterestIncomeRecordedNonaccrualLoans.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-167000</asrv:InterestIncomeRecordedNonaccrualLoans>
  <asrv:InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm id="InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">P3Y6M4D</asrv:InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm>
  <asrv:LoansPastDueAsToMaturity id="LoansPastDueAsToMaturity.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">P90D</asrv:LoansPastDueAsToMaturity>
  <asrv:LossContingencyTermOfCommitment id="LossContingencyTermOfCommitment.4554.5157.3273.3382.4365.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.5157.3273.3382.4365.0.0">P1Y</asrv:LossContingencyTermOfCommitment>
  <asrv:LossContingencyTermOfCommitment id="LossContingencyTermOfCommitment.4554.5157.3273.3373.4365.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.5157.3273.3373.4365.0.0">P2Y</asrv:LossContingencyTermOfCommitment>
  <asrv:LossOnSaleOfSecurities id="LossOnSaleOfSecurities.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">85000</asrv:LossOnSaleOfSecurities>
  <asrv:LossOnSaleOfSecurities id="LossOnSaleOfSecurities.4555.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:LossOnSaleOfSecurities id="LossOnSaleOfSecurities.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">358000</asrv:LossOnSaleOfSecurities>
  <asrv:MaximumNotionalAmountOfDerivativesOutstanding id="MaximumNotionalAmountOfDerivativesOutstanding.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">500000000</asrv:MaximumNotionalAmountOfDerivativesOutstanding>
  <asrv:MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus id="MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">P6M</asrv:MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus>
  <asrv:MinimumPercentageTierOneCapitalToBeMaintained id="MinimumPercentageTierOneCapitalToBeMaintained.4550.5025.5173.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5025.5173.0.0.0.0" unitRef="pure" decimals="1">0.9</asrv:MinimumPercentageTierOneCapitalToBeMaintained>
  <asrv:NetReductionInInterestIncome id="NetReductionInInterestIncome.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">178000</asrv:NetReductionInInterestIncome>
  <asrv:NetReductionInInterestIncome id="NetReductionInInterestIncome.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">231000</asrv:NetReductionInInterestIncome>
  <asrv:NetReductionInInterestIncome id="NetReductionInInterestIncome.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">209000</asrv:NetReductionInInterestIncome>
  <asrv:NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr id="NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 6.&amp;nbsp;&amp;nbsp;NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS&lt;br /&gt; &amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;(TDR)&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Non-performing assets are comprised of (i) loans which are on a non-accrual basis, (ii) loans which are contractually past due 90 days or more as to interest or principal payments, (iii) performing loans classified as troubled debt restructuring and (iv) other real estate owned (real estate acquired through foreclosure, in-substance foreclosures and repossessed assets).&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following tables present information concerning non-performing assets including TDR:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS, EXCEPT PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-accrual loans:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,632&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,623&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,239&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,191&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,871&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 5,814&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other real estate owned:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;344&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,101&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;673&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 127&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,017&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,228&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total restructured loans not in non-accrual (TDR)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;221&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 182&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total non-performing assets including TDR&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,109&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 7,224&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.52%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company had no loans past due 90 days or more for the periods presented which were accruing interest.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Consistent with accounting and regulatory guidance, the Bank recognizes a TDR when the Bank, for economic or legal reasons related to a borrower&amp;#39;s financial difficulties, grants a concession to the borrower that would not normally be considered. Regardless of the form of concession granted, the Bank&amp;#39;s objective in offering a troubled debt restructure is to increase the probability of repayment of the borrower&amp;#39;s loan.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; To be considered a TDR, both of the following criteria must be met:&lt;/p&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 24px; TEXT-ALIGN: left"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the borrower must be experiencing financial difficulties; and&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 24px; TEXT-ALIGN: left"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the Bank, for economic or legal reasons related to the borrower&amp;#39;s financial difficulties, grants a concession to the borrower that would not otherwise be considered.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Factors that indicate a borrower is experiencing financial difficulties include, but are not limited to:&lt;/p&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 24px; TEXT-ALIGN: left"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the borrower is currently in default on their loan(s);&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 24px; TEXT-ALIGN: left"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the borrower has filed for bankruptcy;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 24px; TEXT-ALIGN: left"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the borrower has insufficient cash flows to service their loan(s); &lt;u&gt;and&lt;/u&gt; &lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 24px; TEXT-ALIGN: left"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the borrower is unable to obtain refinancing from other sources at a market rate similar to rates available to a non-troubled debtor.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Factors that indicate that a concession has been granted include, but are not limited to:&lt;/p&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 24px; TEXT-ALIGN: left"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the borrower is granted an interest rate reduction to a level below market rates for debt with similar risk; &lt;u&gt;or&lt;/u&gt; &lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 24px; TEXT-ALIGN: left"&gt;&amp;bull;&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the borrower is granted a material maturity date extension, or extension of the amortization plan to provide payment relief. For purposes of this policy, a material maturity date extension will generally include any maturity date extension, or the aggregate of multiple consecutive maturity date extensions, that exceed 120 days. A restructuring that results in an insignificant delay in payment, i.e. 120 days or less, is not necessarily a TDR. Insignificant payment delays occur when the amount of the restructured payments subject to the delay is insignificant relative to the unpaid principal or collateral value, and will result in an insignificant shortfall in the originally scheduled contractual amount due, and/or the delay in timing of the restructured payment period is insignificant relative to the frequency of payments, the original maturity or the original amortization.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The determination of whether a restructured loan is a TDR requires consideration of all of the facts and circumstances surrounding the modification. No single factor is determinative of whether a restructuring is a TDR. An overall general decline in the economy or some deterioration in a borrower&amp;#39;s financial condition does not automatically mean that the borrower is experiencing financial difficulty. Accordingly, determination of whether a modification is a TDR involves a large degree of judgment.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Any loan modification where the borrower&amp;#39;s aggregate exposure is at least $250,000 and where the loan currently maintains a criticized or classified risk rating, i.e. Special Mention, Substandard or Doubtful, or where the loan will be assigned a criticized or classified rating after the modification is evaluated to determine the need for TDR classification. The specific ALL reserve for loans modified as TDR&amp;#39;s was $344,000 and $1.5 million as of December 31, 2013 and 2012, respectively.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table details the TDRs at December 31, 2013 (dollars in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; Loans in non-accrual status&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;# of Loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Current Balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Concession Granted&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;2&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,250&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; Loans in accrual status&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;# of Loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Current Balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Concession Granted&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;2&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;161&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;2&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;61&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table details the TDRs at December 31, 2012 (dollars in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; Loans in non-accrual status&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;# of Loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Current Balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Concession Granted&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;4&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,772&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; Loans in accrual status&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;# of Loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Current Balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Concession Granted&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;2&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;169&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;1&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table details the TDRs at December 31, 2011 (dollars in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; Loans in accrual status&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;# of Loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Current Balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Concession Granted&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;5&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,870&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; In all instances where loans have been modified in troubled debt restructurings the pre- and post-modified balances are the same.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Once a loan is classified as a TDR, this classification will remain until documented improvement in the financial position of the borrower supports confidence that all principal and interest will be paid according to terms. Additionally, the customer must have re-established a track record of timely payments according to the restructured contract terms for a minimum of six consecutive months prior to consideration for removing the loan from non-accrual TDR status. However, a loan will continue to be on non-accrual status until, consistent with our policy, the borrower has made a minimum of six consecutive payments in accordance with the terms of the loan.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table presents the recorded investment in loans that were modified as TDR&amp;#39;s in the previous 12 months and defaulted during these reporting periods (in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;Year ended December 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &lt;u&gt;Recorded investment of defaults&lt;/u&gt;&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,480&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 595&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,312&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 30pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,480&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 595&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,312&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; All TDR&amp;#39;s are individually evaluated for impairment and a related allowance is recorded, as needed. All TDR&amp;#39;s which defaulted in the above table had a related allowance adequate to reserve for anticipated losses.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company is unaware of any additional loans which are required to either be charged-off or added to the non-performing asset totals disclosed above. Other real estate owned is recorded at the lower of 1) fair value minus estimated costs to sell, or 2) carrying cost.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table sets forth, for the periods indicated, (1) the gross interest income that would have been recorded if non-accrual loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination if held for part of the period, (2) the amount of interest income actually recorded on such loans, and (3) the net reduction in interest income attributable to such loans.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest income due in accordance with original terms&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;178&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;231&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;376&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest income recorded&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (167&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net reduction in interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;178&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 231&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 209&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr>
  <asrv:NonperformingAssetsIncludingTroubleDebtRestructurings id="NonperformingAssetsIncludingTroubleDebtRestructurings.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4109000</asrv:NonperformingAssetsIncludingTroubleDebtRestructurings>
  <asrv:NonperformingAssetsIncludingTroubleDebtRestructurings id="NonperformingAssetsIncludingTroubleDebtRestructurings.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">7224000</asrv:NonperformingAssetsIncludingTroubleDebtRestructurings>
  <asrv:NumberOfCountiesInWhichEntityOperates id="NumberOfCountiesInWhichEntityOperates.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="0">5</asrv:NumberOfCountiesInWhichEntityOperates>
  <asrv:OtherBankOwnedLifeInsuranceIncome id="OtherBankOwnedLifeInsuranceIncome.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">811000</asrv:OtherBankOwnedLifeInsuranceIncome>
  <asrv:OtherBankOwnedLifeInsuranceIncome id="OtherBankOwnedLifeInsuranceIncome.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">863000</asrv:OtherBankOwnedLifeInsuranceIncome>
  <asrv:OtherBankOwnedLifeInsuranceIncome id="OtherBankOwnedLifeInsuranceIncome.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">885000</asrv:OtherBankOwnedLifeInsuranceIncome>
  <asrv:OtherComprehensiveIncomeLossBeforeReclassifications id="OtherComprehensiveIncomeLossBeforeReclassifications.4554.465.3750.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.465.3750.0.0.0.0" unitRef="USD" decimals="-3">-2963000</asrv:OtherComprehensiveIncomeLossBeforeReclassifications>
  <asrv:OtherComprehensiveIncomeLossBeforeReclassifications id="OtherComprehensiveIncomeLossBeforeReclassifications.4554.4013.3750.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.3750.0.0.0.0" unitRef="USD" decimals="-3">2161000</asrv:OtherComprehensiveIncomeLossBeforeReclassifications>
  <asrv:OtherComprehensiveIncomeLossBeforeReclassifications id="OtherComprehensiveIncomeLossBeforeReclassifications.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-802000</asrv:OtherComprehensiveIncomeLossBeforeReclassifications>
  <asrv:PaymentsToAcquireRegulatoryStock id="PaymentsToAcquireRegulatoryStock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">5865000</asrv:PaymentsToAcquireRegulatoryStock>
  <asrv:PaymentsToAcquireRegulatoryStock id="PaymentsToAcquireRegulatoryStock.4555.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:PaymentsToAcquireRegulatoryStock id="PaymentsToAcquireRegulatoryStock.4556.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:PercentageOfInvestmentSecuritiesPortfolioRated id="PercentageOfInvestmentSecuritiesPortfolioRated.4550.5141.1277.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5141.1277.0.0.0.0" unitRef="pure" decimals="2">0.89</asrv:PercentageOfInvestmentSecuritiesPortfolioRated>
  <asrv:PercentageOfInvestmentSecuritiesPortfolioRated id="PercentageOfInvestmentSecuritiesPortfolioRated.4551.5141.1277.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.5141.1277.0.0.0.0" unitRef="pure" decimals="3">0.922</asrv:PercentageOfInvestmentSecuritiesPortfolioRated>
  <asrv:PercentageOfInvestmentSecuritiesPortfolioRated id="PercentageOfInvestmentSecuritiesPortfolioRated.4550.5147.1277.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5147.1277.0.0.0.0" unitRef="pure" decimals="3">0.013</asrv:PercentageOfInvestmentSecuritiesPortfolioRated>
  <asrv:PercentageOfLendingIncentiveFeePayable id="PercentageOfLendingIncentiveFeePayable.4554.5025.5173.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.5025.5173.0.0.0.0" unitRef="pure" decimals="3">0.005</asrv:PercentageOfLendingIncentiveFeePayable>
  <asrv:PreferredStockRedemptionPricePercentage id="PreferredStockRedemptionPricePercentage.4550.5025.5173.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5025.5173.0.0.0.0" unitRef="pure" decimals="0">1</asrv:PreferredStockRedemptionPricePercentage>
  <asrv:RealEstateConstructionLoansPercentage id="RealEstateConstructionLoansPercentage.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="2">0.03</asrv:RealEstateConstructionLoansPercentage>
  <asrv:RealEstateConstructionLoansPercentage id="RealEstateConstructionLoansPercentage.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="pure" decimals="2">0.02</asrv:RealEstateConstructionLoansPercentage>
  <asrv:RegulatoryAssetsFairValueDisclosure id="RegulatoryAssetsFairValueDisclosure.4550.2138.1998.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2138.1998.0.0.0.0" unitRef="USD" decimals="-3">6802000</asrv:RegulatoryAssetsFairValueDisclosure>
  <asrv:RegulatoryAssetsFairValueDisclosure id="RegulatoryAssetsFairValueDisclosure.4551.2138.1998.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2138.1998.0.0.0.0" unitRef="USD" decimals="-3">6304000</asrv:RegulatoryAssetsFairValueDisclosure>
  <asrv:RegulatoryAssetsFairValueDisclosure id="RegulatoryAssetsFairValueDisclosure.4550.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:RegulatoryAssetsFairValueDisclosure id="RegulatoryAssetsFairValueDisclosure.4551.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:RegulatoryAssetsFairValueDisclosure id="RegulatoryAssetsFairValueDisclosure.4550.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:RegulatoryAssetsFairValueDisclosure id="RegulatoryAssetsFairValueDisclosure.4551.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:RegulatoryAssetsFairValueDisclosure id="RegulatoryAssetsFairValueDisclosure.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6802000</asrv:RegulatoryAssetsFairValueDisclosure>
  <asrv:RegulatoryAssetsFairValueDisclosure id="RegulatoryAssetsFairValueDisclosure.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6304000</asrv:RegulatoryAssetsFairValueDisclosure>
  <asrv:RepurchaseOfWarrantsShares id="RepurchaseOfWarrantsShares.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="shares" decimals="0">1312500</asrv:RepurchaseOfWarrantsShares>
  <asrv:ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock id="ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="570"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; Details about accumulated other comprehensive loss components&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Amount reclassified from accumulated other comprehensive loss&lt;sup&gt;(1)&lt;/sup&gt;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Affected line item in the&lt;br /&gt; statement of operations&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Unrealized gains and losses on sale of securities&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (204&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; Net realized gains on investment securities AFS&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (204&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Total before tax&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 69&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; Provision for income tax expense&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (135&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; Net of tax&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Amortization of defined benefit items&lt;sup&gt;(2)&lt;/sup&gt;&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Estimated net loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;683&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Salaries and employee benefits&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Prior service cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(10&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Salaries and employee benefits&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Transition asset&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (4&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; Salaries and employee benefits&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;669&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Total before tax&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (228&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; Provision for income tax expense&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 441&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; Net of tax&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total reclassifications for the period&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 306&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; Net of tax&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;(1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Amounts in parentheses indicate credits.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;(2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock>
  <asrv:ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock id="ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; WEIGHTED AVERAGE ASSUMPTIONS:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Discount rate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4.50%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Salary scale&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.50&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2.50&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock>
  <asrv:ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock id="ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; WEIGHTED AVERAGE ASSUMPTIONS:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Discount rate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4.00%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4.75&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5.25&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Expected return on plan assets&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Rate of compensation increase&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.50&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2.50&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2.50&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock>
  <asrv:ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock id="ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Average impaired balance:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;13&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;503&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,459&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,754&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,479&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;37&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 3&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Average investment in impaired loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,509&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 3,770&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,982&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest income recognized:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;17&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;11&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;150&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;3&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest income recognized on a cash basis on impaired loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;14&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 167&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock>
  <asrv:ScheduleOfChangesInDeferredTaxesTableTextBlock id="ScheduleOfChangesInDeferredTaxesTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Unrealized gains recognized in comprehensive income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,595&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;162&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Pension obligation of the defined benefit plan not yet recognized in income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,340)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;725&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Deferred provision for income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(2,150)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (2,101&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net decrease&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,895)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (1,214&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfChangesInDeferredTaxesTableTextBlock>
  <asrv:ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock id="ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Net Unrealized Gains and Losses on Investment Securities AFS&lt;sup&gt;(1)&lt;/sup&gt;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Defined Benefit Pension Items&lt;sup&gt;(1)&lt;/sup&gt;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Total&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Balance at January 1, 2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,141&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (9,520&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (5,379&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Other comprehensive income (loss) before reclassifications&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (2,963&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,161&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (802&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Amounts reclassified from accumulated other comprehensive loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (135&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 441&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 306&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Net current period other comprehensive income (loss)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (3,098&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,602&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (496&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Balance at December 31, 2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,043&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (6,918&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (5,875&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;(1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Amounts in parentheses indicate debits.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock>
  <asrv:ScheduleOfDepositLiabilitiesTableTextBlock id="ScheduleOfDepositLiabilitiesTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Demand:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Non-interest bearing&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;154,002&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 156,223&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Interest bearing&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;84,926&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 61,774&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Savings&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;87,655&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 86,135&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Money market&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;219,801&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 215,870&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Certificates of deposit in denominations of $100,000 or more&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;47,287&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 35,339&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other time&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;260,851&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 280,393&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total deposits&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;854,522&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 835,734&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfDepositLiabilitiesTableTextBlock>
  <asrv:ScheduleOfFairValueOfPlanAssetsTableTextBlock id="ScheduleOfFairValueOfPlanAssetsTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Level 1:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Cash and cash equivalents&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Domestic equities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,741&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,731&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; International equities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,478&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;336&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Mutual funds/ETFs&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;20,744&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 13,566&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Level 2:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Corporate bonds&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,325&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,735&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total fair value of plan assets&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;26,288&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 21,368&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfFairValueOfPlanAssetsTableTextBlock>
  <asrv:ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock id="ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;December 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;PERFORMING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;NON-&lt;br /&gt; PERFORMING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;234,450&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,239&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,803&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;61&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;250,253&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,300&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;December 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;PERFORMING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;NON-&lt;br /&gt; PERFORMING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 216,393&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,191&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 17,407&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 233,800&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,204&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock>
  <asrv:ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock id="ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; MATURING IN:&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Three months or less&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;7,399&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Over three through six months&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;20,763&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Over six through twelve months&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,947&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Over twelve months&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,178&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;47,287&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock>
  <asrv:ScheduleOfMaturitiesOfTimeDepositsTableTextBlock id="ScheduleOfMaturitiesOfTimeDepositsTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; YEAR:&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;OTHER TIME DEPOSITS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CERTIFICATES OF DEPOSIT OF $100,000 OR MORE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2014&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;128,725&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;32,109&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2015&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;42,497&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;13,310&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2016&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;20,033&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,551&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2017&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;11,684&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;217&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2018&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,541&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2019 and after&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;47,371&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;100&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;260,851&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;47,287&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfMaturitiesOfTimeDepositsTableTextBlock>
  <asrv:ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock id="ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS, EXCEPT PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-accrual loans:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,632&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,623&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,239&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,191&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,871&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 5,814&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other real estate owned:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;344&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,101&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;673&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 127&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,017&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,228&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total restructured loans not in non-accrual (TDR)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;221&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 182&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total non-performing assets including TDR&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,109&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 7,224&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.52%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock>
  <asrv:ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock id="ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;AT DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL LOANS SECURED BY REAL ESTATE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;REAL&lt;br /&gt; ESTATE- MORTGAGE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CONSUMER&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Loans:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Individually evaluated for impairment&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,005&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;61&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,066&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Collectively evaluated for impairment&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;120,102&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;408,686&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;235,689&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,803&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;780,280&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;120,102&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;411,691&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;235,689&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,864&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;783,346&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23"&gt;AT DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL LOANS SECURED BY REAL ESTATE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;REAL&lt;br /&gt; ESTATE- MORTGAGE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CONSUMER&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;ALLOCATION FOR GENERAL RISK&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Allowance for loan losses:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Specific reserve allocation&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;812&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;813&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; General reserve allocation&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,844&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,073&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,260&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;135&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;979&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;9,291&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total allowance for loan losses&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,844&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,885&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,260&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;136&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;979&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,104&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL LOANS SECURED BY REAL ESTATE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;REAL&lt;br /&gt; ESTATE- MORTGAGE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CONSUMER&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Loans:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Individually evaluated for impairment&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,793&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,806&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Collectively evaluated for impairment&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 102,822&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 378,546&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 217,584&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 17,407&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 716,359&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 102,822&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 383,339&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 217,584&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 17,420&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 721,165&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL LOANS SECURED BY REAL ESTATE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;REAL&lt;br /&gt; ESTATE- MORTGAGE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CONSUMER&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;ALLOCATION FOR GENERAL RISK&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Allowance for loan losses:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Specific reserve allocation&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,586&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,586&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; General reserve allocation&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,596&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 6,210&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,269&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 150&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 760&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 10,985&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total allowance for loan losses&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,596&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 7,796&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,269&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 150&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 760&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 12,571&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock>
  <asrv:ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock id="ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;Year ended December 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &lt;u&gt;Recorded investment of defaults&lt;/u&gt;&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,480&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 595&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,312&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 30pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,480&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 595&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,312&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</asrv:ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock>
  <asrv:ShortTermDebtInstrumentWeightedAverageTerm id="ShortTermDebtInstrumentWeightedAverageTerm.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">P1D</asrv:ShortTermDebtInstrumentWeightedAverageTerm>
  <asrv:ShortTermDebtInstrumentWeightedAverageTerm id="ShortTermDebtInstrumentWeightedAverageTerm.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0">P1D</asrv:ShortTermDebtInstrumentWeightedAverageTerm>
  <asrv:ShortTermDebtInstrumentWeightedAverageTerm id="ShortTermDebtInstrumentWeightedAverageTerm.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0">P3D</asrv:ShortTermDebtInstrumentWeightedAverageTerm>
  <asrv:ThresholdPeriodPastDueForWriteOffOfFinancingReceivable id="ThresholdPeriodPastDueForWriteOffOfFinancingReceivable.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">P90D</asrv:ThresholdPeriodPastDueForWriteOffOfFinancingReceivable>
  <asrv:TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus id="TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">P6M</asrv:TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus>
  <asrv:TroubledDebtRestructuringModificationsRecordedInvestment id="TroubledDebtRestructuringModificationsRecordedInvestment.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">221000</asrv:TroubledDebtRestructuringModificationsRecordedInvestment>
  <asrv:TroubledDebtRestructuringModificationsRecordedInvestment id="TroubledDebtRestructuringModificationsRecordedInvestment.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">182000</asrv:TroubledDebtRestructuringModificationsRecordedInvestment>
  <asrv:WarrantRepurchase id="WarrantRepurchase.4554.4652.5169.0.0.0.0" xsi:nil="true" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4652.5169.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:WarrantRepurchase id="WarrantRepurchase.4555.4652.5169.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4652.5169.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <asrv:WarrantRepurchase id="WarrantRepurchase.4556.4652.5169.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4652.5169.0.0.0.0" unitRef="USD" decimals="-3">825000</asrv:WarrantRepurchase>
  <dei:AmendmentFlag id="AmendmentFlag.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">false</dei:AmendmentFlag>
  <dei:CurrentFiscalYearEndDate id="CurrentFiscalYearEndDate.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">--12-31</dei:CurrentFiscalYearEndDate>
  <dei:DocumentFiscalPeriodFocus id="DocumentFiscalPeriodFocus.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">FY</dei:DocumentFiscalPeriodFocus>
  <dei:DocumentFiscalYearFocus id="DocumentFiscalYearFocus.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">2013</dei:DocumentFiscalYearFocus>
  <dei:DocumentPeriodEndDate id="DocumentPeriodEndDate.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">2013-12-31</dei:DocumentPeriodEndDate>
  <dei:DocumentType id="DocumentType.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">10-K</dei:DocumentType>
  <dei:EntityCentralIndexKey id="EntityCentralIndexKey.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">0000707605</dei:EntityCentralIndexKey>
  <dei:EntityCommonStockSharesOutstanding id="EntityCommonStockSharesOutstanding.4559.0.0.0.0.0.0" contextRef="as-of-2014-01-31.4559.0.0.0.0.0.0.0" unitRef="shares" decimals="0">18784188</dei:EntityCommonStockSharesOutstanding>
  <dei:EntityCurrentReportingStatus id="EntityCurrentReportingStatus.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">Yes</dei:EntityCurrentReportingStatus>
  <dei:EntityFilerCategory id="EntityFilerCategory.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">Smaller Reporting Company</dei:EntityFilerCategory>
  <dei:EntityPublicFloat id="EntityPublicFloat.4560.0.0.0.0.0.0" contextRef="as-of-2013-06-30.4560.0.0.0.0.0.0.0" unitRef="USD" decimals="0">51468675</dei:EntityPublicFloat>
  <dei:EntityRegistrantName id="EntityRegistrantName.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">AMERISERV FINANCIAL INC /PA/</dei:EntityRegistrantName>
  <dei:EntityVoluntaryFilers id="EntityVoluntaryFilers.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">No</dei:EntityVoluntaryFilers>
  <dei:EntityWellKnownSeasonedIssuer id="EntityWellKnownSeasonedIssuer.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">No</dei:EntityWellKnownSeasonedIssuer>
  <invest:DerivativeNotionalAmount id="DerivativeNotionalAmount.4550.36929.1573.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36929.1573.0.0.0.0" unitRef="USD" decimals="-3">9000000</invest:DerivativeNotionalAmount>
  <invest:DerivativeNotionalAmount id="DerivativeNotionalAmount.4550.36930.1573.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36930.1573.0.0.0.0" unitRef="USD" decimals="-3">9000000</invest:DerivativeNotionalAmount>
  <us-gaap:AccountsPayableAndAccruedLiabilitiesFairValueDisclosure id="AccountsPayableAndAccruedLiabilitiesFairValueDisclosure.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1784000</us-gaap:AccountsPayableAndAccruedLiabilitiesFairValueDisclosure>
  <us-gaap:AccountsPayableAndAccruedLiabilitiesFairValueDisclosure id="AccountsPayableAndAccruedLiabilitiesFairValueDisclosure.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2083000</us-gaap:AccountsPayableAndAccruedLiabilitiesFairValueDisclosure>
  <us-gaap:AccountsPayableAndAccruedLiabilitiesFairValueDisclosure id="AccountsPayableAndAccruedLiabilitiesFairValueDisclosure.4550.2138.1998.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2138.1998.0.0.0.0" unitRef="USD" decimals="-3">1784000</us-gaap:AccountsPayableAndAccruedLiabilitiesFairValueDisclosure>
  <us-gaap:AccountsPayableAndAccruedLiabilitiesFairValueDisclosure id="AccountsPayableAndAccruedLiabilitiesFairValueDisclosure.4551.2138.1998.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2138.1998.0.0.0.0" unitRef="USD" decimals="-3">2083000</us-gaap:AccountsPayableAndAccruedLiabilitiesFairValueDisclosure>
  <us-gaap:AccountsPayableAndAccruedLiabilitiesFairValueDisclosure id="AccountsPayableAndAccruedLiabilitiesFairValueDisclosure.4550.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AccountsPayableAndAccruedLiabilitiesFairValueDisclosure id="AccountsPayableAndAccruedLiabilitiesFairValueDisclosure.4551.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AccountsPayableAndAccruedLiabilitiesFairValueDisclosure id="AccountsPayableAndAccruedLiabilitiesFairValueDisclosure.4550.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AccountsPayableAndAccruedLiabilitiesFairValueDisclosure id="AccountsPayableAndAccruedLiabilitiesFairValueDisclosure.4551.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AccountsReceivableFairValueDisclosure id="AccountsReceivableFairValueDisclosure.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2908000</us-gaap:AccountsReceivableFairValueDisclosure>
  <us-gaap:AccountsReceivableFairValueDisclosure id="AccountsReceivableFairValueDisclosure.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2960000</us-gaap:AccountsReceivableFairValueDisclosure>
  <us-gaap:AccountsReceivableFairValueDisclosure id="AccountsReceivableFairValueDisclosure.4550.2138.1998.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2138.1998.0.0.0.0" unitRef="USD" decimals="-3">2908000</us-gaap:AccountsReceivableFairValueDisclosure>
  <us-gaap:AccountsReceivableFairValueDisclosure id="AccountsReceivableFairValueDisclosure.4551.2138.1998.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2138.1998.0.0.0.0" unitRef="USD" decimals="-3">2960000</us-gaap:AccountsReceivableFairValueDisclosure>
  <us-gaap:AccountsReceivableFairValueDisclosure id="AccountsReceivableFairValueDisclosure.4550.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AccountsReceivableFairValueDisclosure id="AccountsReceivableFairValueDisclosure.4551.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AccountsReceivableFairValueDisclosure id="AccountsReceivableFairValueDisclosure.4550.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AccountsReceivableFairValueDisclosure id="AccountsReceivableFairValueDisclosure.4551.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments id="AccretionAmortizationOfDiscountsAndPremiumsInvestments.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-755000</us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments>
  <us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments id="AccretionAmortizationOfDiscountsAndPremiumsInvestments.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-1124000</us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments>
  <us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments id="AccretionAmortizationOfDiscountsAndPremiumsInvestments.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-736000</us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments>
  <us-gaap:AccruedInvestmentIncomeReceivable id="AccruedInvestmentIncomeReceivable.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2908000</us-gaap:AccruedInvestmentIncomeReceivable>
  <us-gaap:AccruedInvestmentIncomeReceivable id="AccruedInvestmentIncomeReceivable.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2960000</us-gaap:AccruedInvestmentIncomeReceivable>
  <us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment id="AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">23556000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
  <us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment id="AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">22102000</us-gaap:AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax id="AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1043000</us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax id="AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4141000</us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax id="AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6918000</us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax id="AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">9520000</us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="AccumulatedOtherComprehensiveIncomeLossNetOfTax.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-5875000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="AccumulatedOtherComprehensiveIncomeLossNetOfTax.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-5379000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="AccumulatedOtherComprehensiveIncomeLossNetOfTax.4550.465.3750.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.465.3750.0.0.0.0" unitRef="USD" decimals="-3">1043000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="AccumulatedOtherComprehensiveIncomeLossNetOfTax.4551.465.3750.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.465.3750.0.0.0.0" unitRef="USD" decimals="-3">4141000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="AccumulatedOtherComprehensiveIncomeLossNetOfTax.4550.4013.3750.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.3750.0.0.0.0" unitRef="USD" decimals="-3">-6918000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax id="AccumulatedOtherComprehensiveIncomeLossNetOfTax.4551.4013.3750.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.4013.3750.0.0.0.0" unitRef="USD" decimals="-3">-9520000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AdditionalPaidInCapitalCommonStock id="AdditionalPaidInCapitalCommonStock.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">145190000</us-gaap:AdditionalPaidInCapitalCommonStock>
  <us-gaap:AdditionalPaidInCapitalCommonStock id="AdditionalPaidInCapitalCommonStock.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">145102000</us-gaap:AdditionalPaidInCapitalCommonStock>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions id="AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.4554.485.5169.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.485.5169.0.0.0.0" unitRef="USD" decimals="-3">82000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions id="AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.4555.485.5169.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.485.5169.0.0.0.0" unitRef="USD" decimals="-3">38000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions id="AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.4556.485.5169.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.485.5169.0.0.0.0" unitRef="USD" decimals="-3">15000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions>
  <us-gaap:AdvancesFromFederalHomeLoanBanks id="AdvancesFromFederalHomeLoanBanks.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">66555000</us-gaap:AdvancesFromFederalHomeLoanBanks>
  <us-gaap:AdvancesFromFederalHomeLoanBanks id="AdvancesFromFederalHomeLoanBanks.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">28660000</us-gaap:AdvancesFromFederalHomeLoanBanks>
  <us-gaap:AllocatedShareBasedCompensationExpense id="AllocatedShareBasedCompensationExpense.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">82000</us-gaap:AllocatedShareBasedCompensationExpense>
  <us-gaap:AllocatedShareBasedCompensationExpense id="AllocatedShareBasedCompensationExpense.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">38000</us-gaap:AllocatedShareBasedCompensationExpense>
  <us-gaap:AllocatedShareBasedCompensationExpense id="AllocatedShareBasedCompensationExpense.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">15000</us-gaap:AllocatedShareBasedCompensationExpense>
  <us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock id="AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;BALANCE AT DECEMBER 31, 2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CHARGE-&lt;br /&gt; OFFS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RECOVERIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;PROVISION (CREDIT)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;BALANCE AT DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,596&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(50)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;80&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;218&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,844&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;7,796&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,777)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;481&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,615)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,885&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,269&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(139)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;122&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,260&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;150&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(154)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;70&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;70&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;136&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Allocation for general risk&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;760&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;219&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;979&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,571&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(2,120)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;753&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,100)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,104&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;BALANCE AT DECEMBER 31, 2011&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CHARGE-&lt;br /&gt; OFFS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RECOVERIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;PROVISION (CREDIT)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;BALANCE AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,365&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (345&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;138&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;438&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,596&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9,400&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (796&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;245&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,053&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,796&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,270&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (420&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;54&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;365&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,269&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;174&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (200&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;47&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;129&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;150&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Allocation for general risk&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,414&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (654&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 760&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 14,623&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (1,761&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 484&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (775&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 12,571&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;BALANCE AT DECEMBER 31, 2010&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CHARGE-&lt;br /&gt; OFFS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RECOVERIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;PROVISION (CREDIT)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;BALANCE AT DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,851&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (953&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;831&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,364&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,365&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 12,717&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,700&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;331&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,948&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9,400&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,117&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(85&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;53&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;185&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,270&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;206&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (203&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;159&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;12&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;174&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Allocation for general risk&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,874&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (460&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,414&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 19,765&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (2,941&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,374&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (3,575&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 14,623&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock>
  <us-gaap:AllowanceForCreditLossesTextBlock id="AllowanceForCreditLossesTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 5.&amp;nbsp;&amp;nbsp;ALLOWANCE FOR LOAN LOSSES&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table summarizes the rollforward of the allowance for loan losses by portfolio segment (in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;BALANCE AT DECEMBER 31, 2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CHARGE-&lt;br /&gt; OFFS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RECOVERIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;PROVISION (CREDIT)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;BALANCE AT DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,596&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(50)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;80&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;218&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,844&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;7,796&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,777)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;481&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,615)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,885&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,269&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(139)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;122&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,260&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;150&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(154)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;70&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;70&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;136&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Allocation for general risk&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;760&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;219&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;979&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,571&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(2,120)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;753&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,100)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,104&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;BALANCE AT DECEMBER 31, 2011&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CHARGE-&lt;br /&gt; OFFS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RECOVERIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;PROVISION (CREDIT)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;BALANCE AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,365&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (345&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;138&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;438&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,596&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9,400&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (796&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;245&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,053&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,796&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,270&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (420&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;54&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;365&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,269&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;174&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (200&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;47&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;129&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;150&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Allocation for general risk&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,414&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (654&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 760&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 14,623&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (1,761&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 484&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (775&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 12,571&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;BALANCE AT DECEMBER 31, 2010&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CHARGE-&lt;br /&gt; OFFS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RECOVERIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;PROVISION (CREDIT)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;BALANCE AT DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,851&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (953&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;831&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,364&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,365&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 12,717&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,700&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;331&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,948&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9,400&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,117&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(85&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;53&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;185&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,270&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;206&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (203&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;159&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;12&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;174&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Allocation for general risk&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,874&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (460&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,414&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 19,765&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (2,941&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,374&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (3,575&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 14,623&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; As a result of successful ongoing problem credit resolution efforts, the Company achieved further asset quality improvements in 2013. These improvements are evidenced by reduced levels of non-accrual loans, non-performing assets, classified assets and low loan delinquency levels that continue to be well below 1% of total loans. The higher charge-off in the commercial loans secured by real estate relate primarily to one loan for which a specific reserve had been previously established. Additionally, the largest portion of the credit provision occurred in commercial loans secured by real-estate as this is the category that experienced the most meaningful improvement in asset quality, particularly in the fourth quarter, which resulted in a reduction of the related qualitative factor.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;AT DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL LOANS SECURED BY REAL ESTATE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;REAL&lt;br /&gt; ESTATE- MORTGAGE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CONSUMER&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Loans:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Individually evaluated for impairment&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,005&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;61&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,066&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Collectively evaluated for impairment&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;120,102&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;408,686&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;235,689&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,803&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;780,280&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;120,102&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;411,691&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;235,689&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,864&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;783,346&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23"&gt;AT DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL LOANS SECURED BY REAL ESTATE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;REAL&lt;br /&gt; ESTATE- MORTGAGE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CONSUMER&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;ALLOCATION FOR GENERAL RISK&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Allowance for loan losses:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Specific reserve allocation&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;812&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;813&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; General reserve allocation&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,844&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,073&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,260&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;135&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;979&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;9,291&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total allowance for loan losses&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,844&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,885&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,260&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;136&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;979&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,104&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL LOANS SECURED BY REAL ESTATE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;REAL&lt;br /&gt; ESTATE- MORTGAGE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CONSUMER&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Loans:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Individually evaluated for impairment&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,793&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,806&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Collectively evaluated for impairment&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 102,822&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 378,546&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 217,584&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 17,407&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 716,359&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 102,822&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 383,339&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 217,584&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 17,420&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 721,165&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL LOANS SECURED BY REAL ESTATE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;REAL&lt;br /&gt; ESTATE- MORTGAGE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CONSUMER&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;ALLOCATION FOR GENERAL RISK&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Allowance for loan losses:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Specific reserve allocation&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,586&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,586&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; General reserve allocation&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,596&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 6,210&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,269&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 150&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 760&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 10,985&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total allowance for loan losses&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,596&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 7,796&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,269&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 150&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 760&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 12,571&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The segments of the Company&amp;#39;s loan portfolio are disaggregated to a level that allows management to monitor risk and performance. The loan segments used are consistent with the internal reports evaluated by the Company&amp;#39;s management and Board of Directors to monitor risk and performance within various segments of its loan portfolio and therefore, no further disaggregation into classes is necessary. The overall risk profile for the commercial loan segment is impacted by non-owner occupied CRE loans, which include loans secured by non-owner occupied nonfarm nonresidential properties, as a meaningful but declining portion of the commercial portfolio is centered in these types of accounts. The residential mortgage loan segment is comprised of first lien amortizing residential mortgage loans and home equity loans. The consumer loan segment consists primarily of installment loans and overdraft lines of credit connected with customer deposit accounts.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Management evaluates for possible impairment any individual loan in the commercial or commercial real estate segment with a loan balance in excess of $100,000 that is in nonaccrual status or classified as a Troubled Debt Restructure (TDR). Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in evaluating impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&amp;#39;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. The Company does not separately evaluate individual consumer and residential mortgage loans for impairment, unless such loans are part of a larger relationship that is impaired, or are classified as a TDR.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Once the determination has been made that a loan is impaired, the determination of whether a specific allocation of the allowance is necessary is measured by comparing the recorded investment in the loan to the fair value of the loan using one of three methods: (a) the present value of expected future cash flows discounted at the loan&amp;#39;s effective interest rate; (b) the loan&amp;#39;s observable market price; or (c) the fair value of the collateral less selling costs for collateral dependent loans. The method is selected on a loan-by-loan basis, with management primarily utilizing the fair value of collateral method. The evaluation of the need and amount of a specific allocation of the allowance and whether a loan can be removed from impairment status is made on a quarterly basis. The Company&amp;#39;s policy for recognizing interest income on impaired loans does not differ from its overall policy for interest recognition.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The need for an updated appraisal on collateral dependent loans is determined on a case-by-case basis. The useful life of an appraisal or evaluation will vary depending upon the circumstances of the property and the economic conditions in the marketplace. A new appraisal is not required if there is an existing appraisal which, along with other information, is sufficient to determine a reasonable value for the property and to support an appropriate and adequate allowance for loan losses. At a minimum, annual documented reevaluation of the property is completed by the Bank&amp;#39;s internal Assigned Risk Department to support the value of the property.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; When reviewing an appraisal associated with an existing collateral real estate dependent transaction, the Bank&amp;#39;s internal Assigned Risk Department must determine if there have been material changes to the underlying assumptions in the appraisal which affect the original estimate of value. Some of the factors that could cause material changes to reported values include:&lt;/p&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;|B2&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the passage of time;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;|B2&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the volatility of the local market;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;|B2&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the availability of financing;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;|B2&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;natural disasters;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;|B2&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;the inventory of competing properties;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;|B2&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;new improvements to, or lack of maintenance of, the subject property or competing properties upon physical inspection by the Bank;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;|B2&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;changes in underlying economic and market assumptions, such as material changes in current and projected vacancy, absorption rates, capitalization rates, lease terms, rental rates, sales prices, concessions, construction overruns and delays, zoning changes, etc.; and/or&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;|B2&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;environmental contamination.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The value of the property is adjusted to appropriately reflect the above listed factors and the value is discounted to reflect the value impact of a forced or distressed sale, any outstanding senior liens, any outstanding unpaid real estate taxes, transfer taxes and closing costs that would occur with sale of the real estate. If the Assigned Risk Department personnel determine that a reasonable value cannot be derived based on available information, a new appraisal is ordered. The determination of the need for a new appraisal, versus completion of a property valuation by the Bank&amp;#39;s Assigned Risk Department personnel rests with the Assigned Risk Department and not the originating account officer.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;IMPAIRED LOANS WITH SPECIFIC ALLOWANCE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TOTAL IMPAIRED LOANS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RECORDED INVESTMENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RELATED ALLOWANCE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RECORDED INVESTMENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RECORDED INVESTMENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNPAID PRINCIPAL BALANCE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,005&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;812&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,005&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,118&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;61&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;61&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;61&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total impaired loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,066&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;813&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,066&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,179&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;IMPAIRED LOANS WITH SPECIFIC ALLOWANCE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TOTAL IMPAIRED LOANS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RECORDED INVESTMENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RELATED ALLOWANCE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RECORDED INVESTMENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RECORDED INVESTMENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNPAID PRINCIPAL BALANCE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,239&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,586&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;554&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,793&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,850&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total impaired loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,239&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,586&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 567&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,806&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,863&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Average impaired balance:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;13&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;503&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,459&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,754&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,479&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;37&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 3&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Average investment in impaired loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,509&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 3,770&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,982&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest income recognized:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;17&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;11&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;150&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;3&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest income recognized on a cash basis on impaired loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;14&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 167&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Management uses a nine point internal risk rating system to monitor the credit quality of the overall loan portfolio. The first six categories are considered not criticized. The first five "Pass" categories are aggregated, while the Pass-6, Special Mention, Substandard and Doubtful categories are disaggregated to separate pools. The criticized rating categories utilized by management generally follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a Substandard classification. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. All loans greater than 90 days past due, or for which any portion of the loan represents a specific allocation of the allowance for loan losses are placed in Substandard or Doubtful.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Company has a structured loan rating process, which dictates that, at a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as bankruptcy, delinquency, or death occurs to raise awareness of a possible credit event. The Company&amp;#39;s commercial relationship managers are responsible for the timely and accurate risk rating of the loans in their portfolios at origination and on an ongoing basis. Risk ratings are assigned by the account officer, but require independent review and rating concurrence from the Company&amp;#39;s internal Loan Review Department. The Loan Review Department is an experienced independent function which reports directly to the Board&amp;#39;s Audit Committee. The scope of commercial portfolio coverage by the Loan Review Department is defined and presented to the Audit Committee for approval on an annual basis. The approved scope of coverage for 2013 required review of a minimum range of 50% to 55% of the commercial loan portfolio.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; In addition to loan monitoring by the account officer and Loan Review Department, the Company also requires presentation of all credits rated Pass-6 with aggregate balances greater than $1,000,000, all credits rated Special Mention or Substandard with aggregate balances greater than $250,000, and all credits rated Doubtful with aggregate balances greater than $100,000 on an individual basis to the Company&amp;#39;s Loan Loss Reserve Committee on a quarterly basis. Additionally, the Asset Quality Task Force, which is a group comprised of senior level personnel, meets bi-weekly to monitor the status of problem loans.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;December 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;PASS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SPECIAL MENTION&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SUBSTANDARD&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;DOUBTFUL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;108,623&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,880&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,599&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;120,102&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;396,788&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,961&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;7,482&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;460&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;411,691&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;505,411&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,841&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,081&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;460&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;531,793&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;December 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;PASS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SPECIAL MENTION&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SUBSTANDARD&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;DOUBTFUL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 99,886&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;28&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,908&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 102,822&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 343,885&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 20,836&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 17,010&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,608&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 383,339&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 443,771&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 20,864&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 19,918&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,608&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 486,161&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; It is generally the policy of the bank that the outstanding balance of any residential mortgage loan that exceeds 90-days past due as to principal and/or interest is transferred to non-accrual status and an evaluation is completed to determine the fair value of the collateral less selling costs, unless the balance is minor. A charge down is recorded for any deficiency balance determined from the collateral evaluation. The remaining non-accrual balance is reported as impaired with no specific allowance. It is the policy of the bank that the outstanding balance of any consumer loan that exceeds 90-days past due as to principal and/or interest is charged off. The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolios (in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;December 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;PERFORMING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;NON-&lt;br /&gt; PERFORMING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;234,450&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,239&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,803&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;61&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;250,253&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,300&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;December 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;PERFORMING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;NON-&lt;br /&gt; PERFORMING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 216,393&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,191&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 17,407&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 233,800&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,204&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="27"&gt;December 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CURRENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;30&amp;nbsp;-&amp;nbsp;59 DAYS PAST DUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;60&amp;nbsp;-&amp;nbsp;89 DAYS PAST DUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;90 DAYS PAST DUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL PAST DUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL LOANS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;90 DAYS PAST DUE AND STILL ACCRUING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="27"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;120,102&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;120,102&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;410,619&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;457&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;615&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,072&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;411,691&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;231,740&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,232&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;670&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,047&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,949&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;235,689&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,804&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;33&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;27&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;60&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,864&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;778,265&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,722&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;697&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,662&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,081&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;783,346&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="27"&gt;December 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CURRENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;30&amp;nbsp;-&amp;nbsp;59 DAYS PAST DUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;60&amp;nbsp;-&amp;nbsp;89 DAYS PAST DUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;90 DAYS PAST DUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL PAST DUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL LOANS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;90 DAYS PAST DUE AND STILL ACCRUING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="27"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 102,775&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;47&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;47&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 102,822&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 379,834&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,545&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;960&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,505&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 383,339&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 213,300&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,240&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;303&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;741&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,284&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 217,584&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 17,371&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 16&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 33&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 49&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 17,420&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 713,280&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 3,256&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,928&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,701&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 7,885&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 721,165&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; An allowance for loan losses ("ALL") is maintained to absorb losses from the loan portfolio. The ALL is based on management&amp;#39;s continuing evaluation of the risk characteristics and credit quality of the loan portfolio, assessment of current economic conditions, diversification and size of the portfolio, adequacy of collateral, past and anticipated loss experience, and the amount of non-performing loans.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Loans that are collectively evaluated for impairment are analyzed with general allowances being made as appropriate. For general allowances, historical loss trends are used in the estimation of losses in the current portfolio. These historical loss amounts are complemented by consideration of other qualitative factors.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Management tracks the historical net charge-off activity at each risk rating grade level for the entire commercial portfolio and at the aggregate level for the consumer, residential mortgage and small business portfolios. A historical charge-off factor is calculated utilizing a rolling 12 consecutive historical quarters for the commercial portfolios. This historical charge-off factor for the consumer, residential mortgage and small business portfolios are based on a three year historical average of actual loss experience.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company uses a comprehensive methodology and procedural discipline to maintain an ALL to absorb inherent losses in the loan portfolio. The Company believes this is a critical accounting policy since it involves significant estimates and judgments. The allowance consists of three elements: 1) an allowance established on specifically identified problem loans, 2) formula driven general reserves established for loan categories based upon historical loss experience and other qualitative factors which include delinquency, non-performing and TDR loans, loan trends, economic trends, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies, and trends in policy, financial information, and documentation exceptions, and 3) a general risk reserve which provides support for variance from our assessment of the previously listed qualitative factors, provides protection against credit risks resulting from other inherent risk factors contained in the Company&amp;#39;s loan portfolio, and recognizes the model and estimation risk associated with the specific and formula driven allowances. The qualitative factors used in the formula driven general reserves are evaluated quarterly (and revised if necessary) by the Company&amp;#39;s management to establish allocations which accommodate each of the listed risk factors.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; "Pass" rated credits are segregated from "Criticized" and "Classified" credits for the application of qualitative factors.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the ALL. When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ALL.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:AllowanceForCreditLossesTextBlock>
  <us-gaap:AmortizationOfDeferredLoanOriginationFeesNet id="AmortizationOfDeferredLoanOriginationFeesNet.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">304000</us-gaap:AmortizationOfDeferredLoanOriginationFeesNet>
  <us-gaap:AmortizationOfDeferredLoanOriginationFeesNet id="AmortizationOfDeferredLoanOriginationFeesNet.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">240000</us-gaap:AmortizationOfDeferredLoanOriginationFeesNet>
  <us-gaap:AmortizationOfDeferredLoanOriginationFeesNet id="AmortizationOfDeferredLoanOriginationFeesNet.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">231000</us-gaap:AmortizationOfDeferredLoanOriginationFeesNet>
  <us-gaap:AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax id="AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-1715000</us-gaap:AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax>
  <us-gaap:AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax id="AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">3547000</us-gaap:AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax>
  <us-gaap:AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax id="AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax.4556.4013.1518.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">4041000</us-gaap:AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax>
  <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount id="AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="shares" decimals="0">103570</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
  <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount id="AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="shares" decimals="0">49842</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
  <us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount id="AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="shares" decimals="0">185917</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
  <us-gaap:Assets id="Assets.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1056036000</us-gaap:Assets>
  <us-gaap:Assets id="Assets.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1000991000</us-gaap:Assets>
  <us-gaap:Assets id="Assets.4552.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">979076000</us-gaap:Assets>
  <us-gaap:Assets id="Assets.4550.36870.5172.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">347823000</us-gaap:Assets>
  <us-gaap:Assets id="Assets.4551.36870.5172.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">336241000</us-gaap:Assets>
  <us-gaap:Assets id="Assets.4552.36870.5172.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">337869000</us-gaap:Assets>
  <us-gaap:Assets id="Assets.4550.36783.5172.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">545556000</us-gaap:Assets>
  <us-gaap:Assets id="Assets.4551.36783.5172.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">497331000</us-gaap:Assets>
  <us-gaap:Assets id="Assets.4552.36783.5172.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">442087000</us-gaap:Assets>
  <us-gaap:Assets id="Assets.4550.36884.5172.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">4722000</us-gaap:Assets>
  <us-gaap:Assets id="Assets.4551.36884.5172.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">4429000</us-gaap:Assets>
  <us-gaap:Assets id="Assets.4552.36884.5172.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">3917000</us-gaap:Assets>
  <us-gaap:Assets id="Assets.4550.37283.5172.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">157935000</us-gaap:Assets>
  <us-gaap:Assets id="Assets.4551.37283.5172.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">162990000</us-gaap:Assets>
  <us-gaap:Assets id="Assets.4552.37283.5172.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">195203000</us-gaap:Assets>
  <us-gaap:Assets id="Assets.4550.3923.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">127717000</us-gaap:Assets>
  <us-gaap:Assets id="Assets.4551.3923.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">123810000</us-gaap:Assets>
  <us-gaap:AssetsHeldInTrust id="AssetsHeldInTrust.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1700000000</us-gaap:AssetsHeldInTrust>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">141978000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">151538000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">6835000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.5478.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">5911000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">123382000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.3429.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">137735000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">11761000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.1228.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">7892000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.5478.1358.2011.1988.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.2011.1988.0.0" unitRef="USD" decimals="-3">6835000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.5478.1358.2011.1988.0.0" contextRef="as-of-2012-12-31.4551.0.5478.1358.2011.1988.0.0" unitRef="USD" decimals="-3">5911000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.3429.1358.2011.1988.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.2011.1988.0.0" unitRef="USD" decimals="-3">123382000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.3429.1358.2011.1988.0.0" contextRef="as-of-2012-12-31.4551.0.3429.1358.2011.1988.0.0" unitRef="USD" decimals="-3">137735000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.1228.1358.2011.1988.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.2011.1988.0.0" unitRef="USD" decimals="-3">11761000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.1228.1358.2011.1988.0.0" contextRef="as-of-2012-12-31.4551.0.1228.1358.2011.1988.0.0" unitRef="USD" decimals="-3">7892000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.5478.1358.2139.1998.2011.1988" contextRef="as-of-2013-12-31.4550.0.5478.1358.2139.1998.2011.1988" unitRef="USD" decimals="-3">6835000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.5478.1358.2139.1998.2011.1988" contextRef="as-of-2012-12-31.4551.0.5478.1358.2139.1998.2011.1988" unitRef="USD" decimals="-3">5911000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.3429.1358.2139.1998.2011.1988" contextRef="as-of-2013-12-31.4550.0.3429.1358.2139.1998.2011.1988" unitRef="USD" decimals="-3">123382000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.3429.1358.2139.1998.2011.1988" contextRef="as-of-2012-12-31.4551.0.3429.1358.2139.1998.2011.1988" unitRef="USD" decimals="-3">137735000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.1228.1358.2139.1998.2011.1988" contextRef="as-of-2013-12-31.4550.0.1228.1358.2139.1998.2011.1988" unitRef="USD" decimals="-3">11761000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.1228.1358.2139.1998.2011.1988" contextRef="as-of-2012-12-31.4551.0.1228.1358.2139.1998.2011.1988" unitRef="USD" decimals="-3">7892000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.5478.1358.2138.1998.2011.1988" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.5478.1358.2138.1998.2011.1988" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.5478.1358.2138.1998.2011.1988" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.5478.1358.2138.1998.2011.1988" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.3429.1358.2138.1998.2011.1988" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.3429.1358.2138.1998.2011.1988" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.3429.1358.2138.1998.2011.1988" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.3429.1358.2138.1998.2011.1988" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.1228.1358.2138.1998.2011.1988" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1228.1358.2138.1998.2011.1988" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.1228.1358.2138.1998.2011.1988" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.1228.1358.2138.1998.2011.1988" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.5478.1358.2129.1998.2011.1988" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.5478.1358.2129.1998.2011.1988" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.5478.1358.2129.1998.2011.1988" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.5478.1358.2129.1998.2011.1988" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.3429.1358.2129.1998.2011.1988" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.3429.1358.2129.1998.2011.1988" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.3429.1358.2129.1998.2011.1988" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.3429.1358.2129.1998.2011.1988" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.1228.1358.2129.1998.2011.1988" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1228.1358.2129.1998.2011.1988" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.1228.1358.2129.1998.2011.1988" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.1228.1358.2129.1998.2011.1988" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.2139.1998.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2139.1998.0.0.0.0" unitRef="USD" decimals="-3">141978000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.2139.1998.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2139.1998.0.0.0.0" unitRef="USD" decimals="-3">151538000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.2138.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2138.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.2138.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2138.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4550.3923.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">11909000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities id="AvailableForSaleSecurities.4551.3923.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">10534000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="AvailableForSaleSecuritiesAmortizedCost.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">6926000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="AvailableForSaleSecuritiesAmortizedCost.4551.5478.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">5848000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="AvailableForSaleSecuritiesAmortizedCost.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">121480000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="AvailableForSaleSecuritiesAmortizedCost.4551.3429.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">131425000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="AvailableForSaleSecuritiesAmortizedCost.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">11992000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="AvailableForSaleSecuritiesAmortizedCost.4551.1228.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">7992000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="AvailableForSaleSecuritiesAmortizedCost.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">140398000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost id="AvailableForSaleSecuritiesAmortizedCost.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">145265000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">57561000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">9380000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">4750000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.4551.5478.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">993000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">44071000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.4551.3429.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">1489000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">8740000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.4551.1228.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">6898000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">53991000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">9031000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">3812000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.4551.5478.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">993000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">43402000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.4551.3429.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">1140000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">6777000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.4551.1228.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">6898000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3570000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">349000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">938000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.4551.5478.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.5478.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">669000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.4551.3429.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">349000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">1963000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.4551.1228.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.1228.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost id="AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">17379000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost id="AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">1000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost id="AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">12381000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost id="AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">3998000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue id="AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">17486000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue id="AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">937000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue id="AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">12735000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue id="AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">3814000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost id="AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">15733000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost id="AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">5926000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost id="AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">1813000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost id="AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">7994000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue id="AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">15779000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue id="AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">5898000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue id="AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">1934000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue id="AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">7947000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost id="AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">140398000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost id="AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.4550.5478.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" decimals="-3">6926000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost id="AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">121480000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost id="AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.4550.1228.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" decimals="-3">11992000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost>
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost id="AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.4550.5478.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost id="AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.4550.3429.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost id="AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.4550.1228.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost id="AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.4550.0.0.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue id="AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.4550.5478.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue id="AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.4550.3429.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue id="AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.4550.1228.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue id="AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.4550.0.0.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:BankOwnedLifeInsurance id="BankOwnedLifeInsurance.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">36669000</us-gaap:BankOwnedLifeInsurance>
  <us-gaap:BankOwnedLifeInsurance id="BankOwnedLifeInsurance.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">36214000</us-gaap:BankOwnedLifeInsurance>
  <us-gaap:BankOwnedLifeInsuranceIncome id="BankOwnedLifeInsuranceIncome.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">998000</us-gaap:BankOwnedLifeInsuranceIncome>
  <us-gaap:BankOwnedLifeInsuranceIncome id="BankOwnedLifeInsuranceIncome.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">863000</us-gaap:BankOwnedLifeInsuranceIncome>
  <us-gaap:BankOwnedLifeInsuranceIncome id="BankOwnedLifeInsuranceIncome.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">885000</us-gaap:BankOwnedLifeInsuranceIncome>
  <us-gaap:Capital id="Capital.4550.1153.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1153.136.0.0.0.0" unitRef="USD" decimals="-3">128469000</us-gaap:Capital>
  <us-gaap:Capital id="Capital.4551.1153.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1153.136.0.0.0.0" unitRef="USD" decimals="-3">122583000</us-gaap:Capital>
  <us-gaap:Capital id="Capital.4550.36765.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36765.136.0.0.0.0" unitRef="USD" decimals="-3">103009000</us-gaap:Capital>
  <us-gaap:Capital id="Capital.4551.36765.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36765.136.0.0.0.0" unitRef="USD" decimals="-3">101786000</us-gaap:Capital>
  <us-gaap:CapitalRequiredForCapitalAdequacy id="CapitalRequiredForCapitalAdequacy.4550.1153.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1153.136.0.0.0.0" unitRef="USD" decimals="-3">67247000</us-gaap:CapitalRequiredForCapitalAdequacy>
  <us-gaap:CapitalRequiredForCapitalAdequacy id="CapitalRequiredForCapitalAdequacy.4551.1153.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1153.136.0.0.0.0" unitRef="USD" decimals="-3">61588000</us-gaap:CapitalRequiredForCapitalAdequacy>
  <us-gaap:CapitalRequiredForCapitalAdequacy id="CapitalRequiredForCapitalAdequacy.4550.36765.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36765.136.0.0.0.0" unitRef="USD" decimals="-3">66506000</us-gaap:CapitalRequiredForCapitalAdequacy>
  <us-gaap:CapitalRequiredForCapitalAdequacy id="CapitalRequiredForCapitalAdequacy.4551.36765.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36765.136.0.0.0.0" unitRef="USD" decimals="-3">61060000</us-gaap:CapitalRequiredForCapitalAdequacy>
  <us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets id="CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.4550.1153.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1153.136.0.0.0.0" unitRef="pure" decimals="2">0.08</us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
  <us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets id="CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.4551.1153.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1153.136.0.0.0.0" unitRef="pure" decimals="2">0.08</us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
  <us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets id="CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.4550.36765.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36765.136.0.0.0.0" unitRef="pure" decimals="2">0.08</us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
  <us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets id="CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.4551.36765.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36765.136.0.0.0.0" unitRef="pure" decimals="2">0.08</us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
  <us-gaap:CapitalRequiredToBeWellCapitalized id="CapitalRequiredToBeWellCapitalized.4550.1153.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1153.136.0.0.0.0" unitRef="USD" decimals="-3">84059000</us-gaap:CapitalRequiredToBeWellCapitalized>
  <us-gaap:CapitalRequiredToBeWellCapitalized id="CapitalRequiredToBeWellCapitalized.4551.1153.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1153.136.0.0.0.0" unitRef="USD" decimals="-3">76985000</us-gaap:CapitalRequiredToBeWellCapitalized>
  <us-gaap:CapitalRequiredToBeWellCapitalized id="CapitalRequiredToBeWellCapitalized.4550.36765.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36765.136.0.0.0.0" unitRef="USD" decimals="-3">83132000</us-gaap:CapitalRequiredToBeWellCapitalized>
  <us-gaap:CapitalRequiredToBeWellCapitalized id="CapitalRequiredToBeWellCapitalized.4551.36765.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36765.136.0.0.0.0" unitRef="USD" decimals="-3">76325000</us-gaap:CapitalRequiredToBeWellCapitalized>
  <us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets id="CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.4550.1153.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1153.136.0.0.0.0" unitRef="pure" decimals="1">0.1</us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
  <us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets id="CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.4551.1153.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1153.136.0.0.0.0" unitRef="pure" decimals="1">0.1</us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
  <us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets id="CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.4550.36765.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36765.136.0.0.0.0" unitRef="pure" decimals="1">0.1</us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
  <us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets id="CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.4551.36765.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36765.136.0.0.0.0" unitRef="pure" decimals="1">0.1</us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
  <us-gaap:CapitalToRiskWeightedAssets id="CapitalToRiskWeightedAssets.4550.1153.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1153.136.0.0.0.0" unitRef="pure" decimals="4">0.1528</us-gaap:CapitalToRiskWeightedAssets>
  <us-gaap:CapitalToRiskWeightedAssets id="CapitalToRiskWeightedAssets.4551.1153.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1153.136.0.0.0.0" unitRef="pure" decimals="4">0.1592</us-gaap:CapitalToRiskWeightedAssets>
  <us-gaap:CapitalToRiskWeightedAssets id="CapitalToRiskWeightedAssets.4550.36765.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36765.136.0.0.0.0" unitRef="pure" decimals="4">0.1239</us-gaap:CapitalToRiskWeightedAssets>
  <us-gaap:CapitalToRiskWeightedAssets id="CapitalToRiskWeightedAssets.4551.36765.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36765.136.0.0.0.0" unitRef="pure" decimals="4">0.1334</us-gaap:CapitalToRiskWeightedAssets>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="CashAndCashEquivalentsAtCarryingValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">30066000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="CashAndCashEquivalentsAtCarryingValue.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">26820000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="CashAndCashEquivalentsAtCarryingValue.4552.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">34783000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="CashAndCashEquivalentsAtCarryingValue.4553.0.0.0.0.0.0" contextRef="as-of-2010-12-31.4553.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">19337000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="CashAndCashEquivalentsAtCarryingValue.4550.3923.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">6661000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="CashAndCashEquivalentsAtCarryingValue.4551.3923.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">6185000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="CashAndCashEquivalentsAtCarryingValue.4552.3923.136.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">4530000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue id="CashAndCashEquivalentsAtCarryingValue.4553.3923.136.0.0.0.0" contextRef="as-of-2010-12-31.4553.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">2732000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsDisclosureTextBlock id="CashAndCashEquivalentsDisclosureTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 2.&amp;nbsp;&amp;nbsp;CASH AND DUE FROM DEPOSITORY INSTITUTIONS&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Included in "Cash and due from depository institutions" are required federal reserves of $61,000 and $0 at December 31, 2013 and 2012, respectively, for facilitating the implementation of monetary policy by the Federal Reserve System. The required reserves are computed by applying prescribed ratios to the classes of average deposit balances. These are held in the form of vault cash and a depository amount held with the Federal Reserve Bank.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:CashAndCashEquivalentsDisclosureTextBlock>
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="CashAndCashEquivalentsFairValueDisclosure.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">30066000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="CashAndCashEquivalentsFairValueDisclosure.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">26820000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="CashAndCashEquivalentsFairValueDisclosure.4550.2138.1998.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2138.1998.0.0.0.0" unitRef="USD" decimals="-3">30066000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="CashAndCashEquivalentsFairValueDisclosure.4551.2138.1998.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2138.1998.0.0.0.0" unitRef="USD" decimals="-3">26820000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="CashAndCashEquivalentsFairValueDisclosure.4550.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="CashAndCashEquivalentsFairValueDisclosure.4551.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="CashAndCashEquivalentsFairValueDisclosure.4550.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure id="CashAndCashEquivalentsFairValueDisclosure.4551.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease id="CashAndCashEquivalentsPeriodIncreaseDecrease.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3246000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease id="CashAndCashEquivalentsPeriodIncreaseDecrease.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-7963000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease id="CashAndCashEquivalentsPeriodIncreaseDecrease.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">15446000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease id="CashAndCashEquivalentsPeriodIncreaseDecrease.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">476000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease id="CashAndCashEquivalentsPeriodIncreaseDecrease.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">1655000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease id="CashAndCashEquivalentsPeriodIncreaseDecrease.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">1798000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPolicyTextBlock id="CashAndCashEquivalentsPolicyTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; CONSOLIDATED STATEMENT OF CASH FLOWS:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; On a consolidated basis, cash and cash equivalents include cash and due from depository institutions, interest bearing deposits, and short-term investments in money market funds. The Company made $137,000 in income tax payments in 2013; $142,000 in 2012; and $97,000 in 2011. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $766,000 in 2013; $1,266,000 in 2012; and $169,000 in 2011. The Company made total interest payments of $6,781,000 in 2013; $8,154,000 in 2012; and $10,699,000 in 2011.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:CashAndCashEquivalentsPolicyTextBlock>
  <us-gaap:CashAndDueFromBanks id="CashAndDueFromBanks.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">20288000</us-gaap:CashAndDueFromBanks>
  <us-gaap:CashAndDueFromBanks id="CashAndDueFromBanks.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">17808000</us-gaap:CashAndDueFromBanks>
  <us-gaap:CashAndDueFromBanks id="CashAndDueFromBanks.4550.3923.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">100000</us-gaap:CashAndDueFromBanks>
  <us-gaap:CashAndDueFromBanks id="CashAndDueFromBanks.4551.3923.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">100000</us-gaap:CashAndDueFromBanks>
  <us-gaap:CashSurrenderValueFairValueDisclosure id="CashSurrenderValueFairValueDisclosure.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">36669000</us-gaap:CashSurrenderValueFairValueDisclosure>
  <us-gaap:CashSurrenderValueFairValueDisclosure id="CashSurrenderValueFairValueDisclosure.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">36214000</us-gaap:CashSurrenderValueFairValueDisclosure>
  <us-gaap:CashSurrenderValueFairValueDisclosure id="CashSurrenderValueFairValueDisclosure.4550.2138.1998.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2138.1998.0.0.0.0" unitRef="USD" decimals="-3">36669000</us-gaap:CashSurrenderValueFairValueDisclosure>
  <us-gaap:CashSurrenderValueFairValueDisclosure id="CashSurrenderValueFairValueDisclosure.4551.2138.1998.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2138.1998.0.0.0.0" unitRef="USD" decimals="-3">36214000</us-gaap:CashSurrenderValueFairValueDisclosure>
  <us-gaap:CashSurrenderValueFairValueDisclosure id="CashSurrenderValueFairValueDisclosure.4550.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:CashSurrenderValueFairValueDisclosure id="CashSurrenderValueFairValueDisclosure.4551.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:CashSurrenderValueFairValueDisclosure id="CashSurrenderValueFairValueDisclosure.4550.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:CashSurrenderValueFairValueDisclosure id="CashSurrenderValueFairValueDisclosure.4551.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:CommitmentsAndContingenciesDisclosureTextBlock id="CommitmentsAndContingenciesDisclosureTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 16.&amp;nbsp;&amp;nbsp;COMMITMENTS AND CONTINGENT LIABILITIES&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company incurs off-balance sheet risks in the normal course of business in order to meet the financing needs of its customers. These risks derive from commitments to extend credit and standby letters of credit. Such commitments and standby letters of credit involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated financial statements. Commitments to extend credit are obligations to lend to a customer as long as there is no violation of any condition established in the loan agreement. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Because many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer&amp;#39;s creditworthiness on a case-by-case basis. Collateral which secures these types of commitments is the same as for other types of secured lending such as accounts receivable, inventory, and fixed assets.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements, including normal business activities, bond financings, and similar transactions. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. Letters of credit are issued both on an unsecured and secured basis. Collateral securing these types of transactions is similar to collateral securing the Company&amp;#39;s commercial loans.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company&amp;#39;s exposure to credit loss in the event of nonperformance by the other party to these commitments to extend credit and standby letters of credit is represented by their contractual amounts. The Company uses the same credit and collateral policies in making commitments and conditional obligations as for all other lending. At December 31, 2013, the Company had various outstanding commitments to extend credit approximating $146,008,000 and standby letters of credit of $13,229,000, compared to commitments to extend credit of $132,804,000 and standby letters of credit of $11,365,000 at December 31, 2012. Standby letters of credit had terms ranging from 1 to 2 years with annual extension options available. Standby letters of credit of approximately $3.9 million were secured as of December 31, 2013 and approximately $4.2 million at December 31, 2012. The carrying amount of the liability for AmeriServ obligations related to unfunded commitments and standby letters of credit was $776,000 at December 31, 2013 and $648,000 at December 31, 2012.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Pursuant to its bylaws, the Company provides indemnification to its directors and officers against certain liabilities incurred as a result of their service on behalf of the Company. In connection with this indemnification obligation, the Company can advance on behalf of covered individuals costs incurred in defending against certain claims. Additionally, the Company is also subject to a number of asserted and unasserted potential claims encountered in the normal course of business. In the opinion of the Company, neither the resolution of these claims nor the funding of these credit commitments will have a material adverse effect on the Company&amp;#39;s consolidated financial position, results of operation or cash flows.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
  <us-gaap:CommonStockDividendsPerShareDeclared id="CommonStockDividendsPerShareDeclared.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.03</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockDividendsPerShareDeclared id="CommonStockDividendsPerShareDeclared.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.00</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockDividendsPerShareDeclared id="CommonStockDividendsPerShareDeclared.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.00</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockDividendsPerShareDeclared id="CommonStockDividendsPerShareDeclared.4614.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-03-31.4614.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.00</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockDividendsPerShareDeclared id="CommonStockDividendsPerShareDeclared.4615.0.0.0.0.0.0" contextRef="from-2012-04-01-to-2012-06-30.4615.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.00</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockDividendsPerShareDeclared id="CommonStockDividendsPerShareDeclared.4616.0.0.0.0.0.0" contextRef="from-2012-07-01-to-2012-09-30.4616.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.00</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockDividendsPerShareDeclared id="CommonStockDividendsPerShareDeclared.4617.0.0.0.0.0.0" contextRef="from-2012-10-01-to-2012-12-31.4617.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.00</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockDividendsPerShareDeclared id="CommonStockDividendsPerShareDeclared.4618.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-03-31.4618.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.00</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockDividendsPerShareDeclared id="CommonStockDividendsPerShareDeclared.4619.0.0.0.0.0.0" contextRef="from-2013-04-01-to-2013-06-30.4619.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.01</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockDividendsPerShareDeclared id="CommonStockDividendsPerShareDeclared.4620.0.0.0.0.0.0" contextRef="from-2013-07-01-to-2013-09-30.4620.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.01</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockDividendsPerShareDeclared id="CommonStockDividendsPerShareDeclared.4621.0.0.0.0.0.0" contextRef="from-2013-10-01-to-2013-12-31.4621.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.01</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockParOrStatedValuePerShare id="CommonStockParOrStatedValuePerShare.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.01</us-gaap:CommonStockParOrStatedValuePerShare>
  <us-gaap:CommonStockParOrStatedValuePerShare id="CommonStockParOrStatedValuePerShare.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.01</us-gaap:CommonStockParOrStatedValuePerShare>
  <us-gaap:CommonStockSharesAuthorized id="CommonStockSharesAuthorized.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="shares" decimals="0">30000000</us-gaap:CommonStockSharesAuthorized>
  <us-gaap:CommonStockSharesAuthorized id="CommonStockSharesAuthorized.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="shares" decimals="0">30000000</us-gaap:CommonStockSharesAuthorized>
  <us-gaap:CommonStockSharesIssued id="CommonStockSharesIssued.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="shares" decimals="0">26402007</us-gaap:CommonStockSharesIssued>
  <us-gaap:CommonStockSharesIssued id="CommonStockSharesIssued.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="shares" decimals="0">26398540</us-gaap:CommonStockSharesIssued>
  <us-gaap:CommonStockSharesOutstanding id="CommonStockSharesOutstanding.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="shares" decimals="0">18784188</us-gaap:CommonStockSharesOutstanding>
  <us-gaap:CommonStockSharesOutstanding id="CommonStockSharesOutstanding.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="shares" decimals="0">19164721</us-gaap:CommonStockSharesOutstanding>
  <us-gaap:CommonStockValue id="CommonStockValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">264000</us-gaap:CommonStockValue>
  <us-gaap:CommonStockValue id="CommonStockValue.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">264000</us-gaap:CommonStockValue>
  <us-gaap:ComprehensiveIncomeNetOfTax id="ComprehensiveIncomeNetOfTax.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4697000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:ComprehensiveIncomeNetOfTax id="ComprehensiveIncomeNetOfTax.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3320000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:ComprehensiveIncomeNetOfTax id="ComprehensiveIncomeNetOfTax.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">7739000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:ComprehensiveIncomeNetOfTax id="ComprehensiveIncomeNetOfTax.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">4697000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:ComprehensiveIncomeNetOfTax id="ComprehensiveIncomeNetOfTax.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">3320000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:ComprehensiveIncomeNetOfTax id="ComprehensiveIncomeNetOfTax.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">7739000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:ComprehensiveIncomeNoteTextBlock id="ComprehensiveIncomeNoteTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 19.&amp;nbsp;&amp;nbsp;ACCUMULATED OTHER COMPREHENSIVE LOSS&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table presents the changes in each component of accumulated other comprehensive loss, net of tax, for the period ended December 31, 2013 (in thousands):&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Net Unrealized Gains and Losses on Investment Securities AFS&lt;sup&gt;(1)&lt;/sup&gt;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Defined Benefit Pension Items&lt;sup&gt;(1)&lt;/sup&gt;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Total&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Balance at January 1, 2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,141&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (9,520&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (5,379&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Other comprehensive income (loss) before reclassifications&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (2,963&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,161&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (802&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Amounts reclassified from accumulated other comprehensive loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (135&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 441&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 306&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Net current period other comprehensive income (loss)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (3,098&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,602&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (496&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Balance at December 31, 2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,043&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (6,918&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (5,875&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;(1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Amounts in parentheses indicate debits.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table presents the amounts reclassified out of each component of accumulated other comprehensive loss for the period ended December 31, 2013 (in thousands):&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="570"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; Details about accumulated other comprehensive loss components&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Amount reclassified from accumulated other comprehensive loss&lt;sup&gt;(1)&lt;/sup&gt;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Affected line item in the&lt;br /&gt; statement of operations&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Unrealized gains and losses on sale of securities&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (204&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; Net realized gains on investment securities AFS&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (204&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Total before tax&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 69&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; Provision for income tax expense&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (135&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; Net of tax&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Amortization of defined benefit items&lt;sup&gt;(2)&lt;/sup&gt;&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Estimated net loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;683&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Salaries and employee benefits&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Prior service cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(10&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Salaries and employee benefits&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Transition asset&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (4&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; Salaries and employee benefits&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;669&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Total before tax&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (228&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; Provision for income tax expense&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 441&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; Net of tax&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total reclassifications for the period&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 306&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; Net of tax&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;(1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Amounts in parentheses indicate credits.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;(2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ComprehensiveIncomeNoteTextBlock>
  <us-gaap:ComprehensiveIncomePolicyPolicyTextBlock id="ComprehensiveIncomePolicyPolicyTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; ACCUMULATED OTHER COMPREHENSIVE LOSS:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company presents the components of other comprehensive income (loss) in the Consolidated Statements of Comprehensive Income. These components are comprised of the change in the defined benefit pension obligation and the unrealized holding gains (losses) on available for sale securities, net of any reclassification adjustments for realized gains and losses.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table sets forth the components of accumulated other comprehensive loss, net of tax:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Pension obligation for defined benefit plan&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(6,918)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (9,520&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Unrealized holding gains on available for sale securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,043&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 4,141&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total accumulated other comprehensive loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(5,875)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (5,379&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ComprehensiveIncomePolicyPolicyTextBlock>
  <us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock id="CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 24.&amp;nbsp;&amp;nbsp;PARENT COMPANY FINANCIAL INFORMATION&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The parent company functions primarily as a coordinating and servicing unit for all subsidiary entities. Provided services include general management, accounting and taxes, loan review, internal auditing, investment advisory, marketing, insurance risk management, general corporate services, and financial and strategic planning. The following financial information relates only to the parent company operations:&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; BALANCE SHEETS&lt;/h5&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; ASSETS&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Cash&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;100&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;100&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Short-term investments in money market funds&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,561&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,085&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Investment securities available for sale&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;11,909&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 10,534&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Equity investment in banking subsidiary&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;99,250&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 99,121&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Equity investment in non-banking subsidiaries&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,321&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,017&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Guaranteed junior subordinated deferrable interest debenture issuance costs&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;224&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;240&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other assets&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,352&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,713&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; TOTAL ASSETS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;127,717&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 123,810&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; LIABILITIES&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Guaranteed junior subordinated deferrable interest debentures&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;13,085&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 13,085&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other liabilities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,325&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 257&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; TOTAL LIABILITIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;14,410&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 13,342&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; STOCKHOLDERS&amp;#39; EQUITY&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total stockholders&amp;#39; equity&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;113,307&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 110,468&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; TOTAL LIABILITIES AND STOCKHOLDERS&amp;#39; EQUITY&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;127,717&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 123,810&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; STATEMENTS OF OPERATIONS&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; INCOME&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Inter-entity management and other fees&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,355&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,355&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,329&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Dividends from banking subsidiary&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,500&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8,000&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,500&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Dividends from non-banking subsidiaries&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;675&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;710&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;620&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest and dividend income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;243&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 306&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 415&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; TOTAL INCOME&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,773&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 11,371&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 5,864&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; EXPENSE&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,121&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,121&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,121&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Salaries and employee benefits&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,502&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,368&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,394&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,608&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,582&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,477&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; TOTAL EXPENSE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,231&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 5,071&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 4,992&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; INCOME BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,542&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,300&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;872&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Benefit for income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;895&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;819&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;764&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Equity in undistributed earnings of subsidiaries&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;756&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (2,080&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 4,901&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; NET INCOME&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,193&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 5,039&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 6,537&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; COMPREHENSIVE INCOME&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,697&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 3,320&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 7,739&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; STATEMENTS OF CASH FLOWS&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; OPERATING ACTIVITIES&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,193&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,039&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,537&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Adjustment to reconcile net income to net cash provided by operating activities:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Equity in undistributed earnings of subsidiaries&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(756)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,080&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (4,901&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Stock compensation expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;82&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;38&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;15&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other&amp;nbsp;-&amp;nbsp;net&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(718)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (989&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (285&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; NET CASH PROVIDED BY OPERATING ACTIVITIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,801&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 6,168&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,366&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; INVESTING ACTIVITIES&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Purchase of investment securities&amp;nbsp;-&amp;nbsp;available for sale&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(3,885)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (2,077&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (3,049&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Proceeds from maturity of investment securities&amp;nbsp;-&amp;nbsp;available for sale&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,506&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,809&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 5,942&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; NET CASH (USED IN) PROVIDED BY INVESTING ACTIVITIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,379)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 732&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,893&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; FINANCING ACTIVITIES&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Purchase of treasury stock&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,171)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (4,417&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (582&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; TARP warrant repurchase&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (825&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Preferred stock dividends paid&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(209)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (828&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,054&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Common stock dividends paid&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(566)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; NET CASH USED IN FINANCING ACTIVITIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,946)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (5,245&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (2,461&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; NET INCREASE IN CASH AND CASH EQUIVALENTS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;476&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,655&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,798&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; CASH AND CASH EQUIVALENTS AT JANUARY 1&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,185&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 4,530&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,732&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; CASH AND CASH EQUIVALENTS AT DECEMBER 31&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,661&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 6,185&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,530&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The ability of the subsidiary Bank to upstream cash to the parent company is restricted by regulations. Federal law prevents the parent company from borrowing from its subsidiary Bank unless the loans are secured by specified assets. Further, such secured loans are limited in amount to ten percent of the subsidiary Bank&amp;#39;s capital and surplus. In addition, the Bank is subject to legal limitations on the amount of dividends that can be paid to its shareholder. The dividend limitation generally restricts dividend payments to a bank&amp;#39;s retained net income for the current and preceding two calendar years. Cash may also be upstreamed to the parent company by the subsidiaries as an inter-entity management fee. The subsidiary Bank had a combined $105,600,000 of restricted surplus and retained earnings at December 31, 2013.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock>
  <us-gaap:ConsolidationPolicyTextBlock id="ConsolidationPolicyTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; PRINCIPLES OF CONSOLIDATION:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The consolidated financial statements include the accounts of AmeriServ Financial, Inc. and its wholly-owned subsidiaries, AmeriServ Financial Bank (the Bank), Trust Company, and AmeriServ Life Insurance Company (AmeriServ Life). The Bank is a state-chartered full service bank with 18 locations in Pennsylvania. AmeriServ Life is a captive insurance company that engages in underwriting as a reinsurer of credit life and disability insurance.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Intercompany accounts and transactions have been eliminated in preparing the Consolidated Financial Statements. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (generally accepted accounting principles, or GAAP) requires management to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying notes. Actual results may differ from these estimates and the differences may be material to the Consolidated Financial Statements. The Company&amp;#39;s most significant estimates relate to the allowance for loan losses, goodwill, income taxes and investment securities.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ConsolidationPolicyTextBlock>
  <us-gaap:ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months id="ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">15178000</us-gaap:ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months>
  <us-gaap:ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months id="ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3947000</us-gaap:ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months>
  <us-gaap:ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess id="ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">7399000</us-gaap:ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess>
  <us-gaap:ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths id="ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">20763000</us-gaap:ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths>
  <us-gaap:CostsAndExpenses id="CostsAndExpenses.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">5231000</us-gaap:CostsAndExpenses>
  <us-gaap:CostsAndExpenses id="CostsAndExpenses.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">5071000</us-gaap:CostsAndExpenses>
  <us-gaap:CostsAndExpenses id="CostsAndExpenses.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">4992000</us-gaap:CostsAndExpenses>
  <us-gaap:CreditRiskDerivativeAssetsAtFairValue id="CreditRiskDerivativeAssetsAtFairValue.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">164000</us-gaap:CreditRiskDerivativeAssetsAtFairValue>
  <us-gaap:CreditRiskDerivativeAssetsAtFairValue id="CreditRiskDerivativeAssetsAtFairValue.4551.2139.1998.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2139.1998.0.0.0.0" unitRef="USD" decimals="-3">164000</us-gaap:CreditRiskDerivativeAssetsAtFairValue>
  <us-gaap:CreditRiskDerivativeAssetsAtFairValue id="CreditRiskDerivativeAssetsAtFairValue.4551.2138.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2138.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:CreditRiskDerivativeAssetsAtFairValue id="CreditRiskDerivativeAssetsAtFairValue.4551.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:CreditRiskDerivativeLiabilitiesAtFairValue id="CreditRiskDerivativeLiabilitiesAtFairValue.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">164000</us-gaap:CreditRiskDerivativeLiabilitiesAtFairValue>
  <us-gaap:CreditRiskDerivativeLiabilitiesAtFairValue id="CreditRiskDerivativeLiabilitiesAtFairValue.4551.2139.1998.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2139.1998.0.0.0.0" unitRef="USD" decimals="-3">164000</us-gaap:CreditRiskDerivativeLiabilitiesAtFairValue>
  <us-gaap:CreditRiskDerivativeLiabilitiesAtFairValue id="CreditRiskDerivativeLiabilitiesAtFairValue.4551.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:CreditRiskDerivativeLiabilitiesAtFairValue id="CreditRiskDerivativeLiabilitiesAtFairValue.4551.2138.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2138.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:CurrentIncomeTaxExpenseBenefit id="CurrentIncomeTaxExpenseBenefit.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">139000</us-gaap:CurrentIncomeTaxExpenseBenefit>
  <us-gaap:CurrentIncomeTaxExpenseBenefit id="CurrentIncomeTaxExpenseBenefit.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">140000</us-gaap:CurrentIncomeTaxExpenseBenefit>
  <us-gaap:CurrentIncomeTaxExpenseBenefit id="CurrentIncomeTaxExpenseBenefit.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">95000</us-gaap:CurrentIncomeTaxExpenseBenefit>
  <us-gaap:DebtAndCapitalLeaseObligations id="DebtAndCapitalLeaseObligations.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">79640000</us-gaap:DebtAndCapitalLeaseObligations>
  <us-gaap:DebtAndCapitalLeaseObligations id="DebtAndCapitalLeaseObligations.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">41745000</us-gaap:DebtAndCapitalLeaseObligations>
  <us-gaap:DebtInstrumentCallDateEarliest id="DebtInstrumentCallDateEarliest.4554.36912.1361.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36912.1361.0.0.0.0">2003-06-30</us-gaap:DebtInstrumentCallDateEarliest>
  <us-gaap:DebtInstrumentFaceAmount id="DebtInstrumentFaceAmount.4550.36912.1361.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36912.1361.0.0.0.0" unitRef="USD" decimals="-3">34500000</us-gaap:DebtInstrumentFaceAmount>
  <us-gaap:DebtInstrumentInterestRateDuringPeriod id="DebtInstrumentInterestRateDuringPeriod.4554.2202.5106.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.2202.5106.0.0.0.0" unitRef="pure" decimals="4">0.0034</us-gaap:DebtInstrumentInterestRateDuringPeriod>
  <us-gaap:DebtInstrumentInterestRateDuringPeriod id="DebtInstrumentInterestRateDuringPeriod.4555.2202.5106.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.2202.5106.0.0.0.0" unitRef="pure" decimals="4">0.0034</us-gaap:DebtInstrumentInterestRateDuringPeriod>
  <us-gaap:DebtInstrumentInterestRateDuringPeriod id="DebtInstrumentInterestRateDuringPeriod.4556.2202.5106.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.2202.5106.0.0.0.0" unitRef="pure" decimals="4">0.0032</us-gaap:DebtInstrumentInterestRateDuringPeriod>
  <us-gaap:DebtInstrumentInterestRateDuringPeriod id="DebtInstrumentInterestRateDuringPeriod.4554.36909.5106.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36909.5106.0.0.0.0" unitRef="pure" decimals="4">0.0026</us-gaap:DebtInstrumentInterestRateDuringPeriod>
  <us-gaap:DebtInstrumentInterestRateDuringPeriod id="DebtInstrumentInterestRateDuringPeriod.4555.36909.5106.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36909.5106.0.0.0.0" unitRef="pure" decimals="3">0.002</us-gaap:DebtInstrumentInterestRateDuringPeriod>
  <us-gaap:DebtInstrumentInterestRateDuringPeriod id="DebtInstrumentInterestRateDuringPeriod.4556.36909.5106.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36909.5106.0.0.0.0" unitRef="pure" decimals="4">0.0051</us-gaap:DebtInstrumentInterestRateDuringPeriod>
  <us-gaap:DebtInstrumentInterestRateStatedPercentage id="DebtInstrumentInterestRateStatedPercentage.4550.36912.1361.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36912.1361.0.0.0.0" unitRef="pure" decimals="4">0.0845</us-gaap:DebtInstrumentInterestRateStatedPercentage>
  <us-gaap:DebtInstrumentMaturityDate id="DebtInstrumentMaturityDate.4554.36912.1361.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36912.1361.0.0.0.0">2028-06-30</us-gaap:DebtInstrumentMaturityDate>
  <us-gaap:DeferredFinanceCostsNet id="DeferredFinanceCostsNet.4550.36912.1361.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36912.1361.0.0.0.0" unitRef="USD" decimals="-3">224000</us-gaap:DeferredFinanceCostsNet>
  <us-gaap:DeferredFinanceCostsNet id="DeferredFinanceCostsNet.4550.3923.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">224000</us-gaap:DeferredFinanceCostsNet>
  <us-gaap:DeferredFinanceCostsNet id="DeferredFinanceCostsNet.4551.3923.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">240000</us-gaap:DeferredFinanceCostsNet>
  <us-gaap:DeferredIncomeTaxExpenseBenefit id="DeferredIncomeTaxExpenseBenefit.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2150000</us-gaap:DeferredIncomeTaxExpenseBenefit>
  <us-gaap:DeferredIncomeTaxExpenseBenefit id="DeferredIncomeTaxExpenseBenefit.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2101000</us-gaap:DeferredIncomeTaxExpenseBenefit>
  <us-gaap:DeferredIncomeTaxExpenseBenefit id="DeferredIncomeTaxExpenseBenefit.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2758000</us-gaap:DeferredIncomeTaxExpenseBenefit>
  <us-gaap:DeferredIncomeTaxLiabilities id="DeferredIncomeTaxLiabilities.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">872000</us-gaap:DeferredIncomeTaxLiabilities>
  <us-gaap:DeferredIncomeTaxLiabilities id="DeferredIncomeTaxLiabilities.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2456000</us-gaap:DeferredIncomeTaxLiabilities>
  <us-gaap:DeferredTaxAssetsLiabilitiesNet id="DeferredTaxAssetsLiabilitiesNet.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">9572000</us-gaap:DeferredTaxAssetsLiabilitiesNet>
  <us-gaap:DeferredTaxAssetsLiabilitiesNet id="DeferredTaxAssetsLiabilitiesNet.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">11467000</us-gaap:DeferredTaxAssetsLiabilitiesNet>
  <us-gaap:DeferredTaxAssetsNet id="DeferredTaxAssetsNet.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10444000</us-gaap:DeferredTaxAssetsNet>
  <us-gaap:DeferredTaxAssetsNet id="DeferredTaxAssetsNet.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">13923000</us-gaap:DeferredTaxAssetsNet>
  <us-gaap:DeferredTaxAssetsOperatingLossCarryforwards id="DeferredTaxAssetsOperatingLossCarryforwards.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1307000</us-gaap:DeferredTaxAssetsOperatingLossCarryforwards>
  <us-gaap:DeferredTaxAssetsOperatingLossCarryforwards id="DeferredTaxAssetsOperatingLossCarryforwards.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2883000</us-gaap:DeferredTaxAssetsOperatingLossCarryforwards>
  <us-gaap:DeferredTaxAssetsOther id="DeferredTaxAssetsOther.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">393000</us-gaap:DeferredTaxAssetsOther>
  <us-gaap:DeferredTaxAssetsOther id="DeferredTaxAssetsOther.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">368000</us-gaap:DeferredTaxAssetsOther>
  <us-gaap:DeferredTaxAssetsPropertyPlantAndEquipment id="DeferredTaxAssetsPropertyPlantAndEquipment.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1832000</us-gaap:DeferredTaxAssetsPropertyPlantAndEquipment>
  <us-gaap:DeferredTaxAssetsPropertyPlantAndEquipment id="DeferredTaxAssetsPropertyPlantAndEquipment.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1626000</us-gaap:DeferredTaxAssetsPropertyPlantAndEquipment>
  <us-gaap:DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax id="DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1749000</us-gaap:DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax>
  <us-gaap:DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax id="DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1635000</us-gaap:DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions id="DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1462000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions id="DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2916000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves id="DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">264000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves id="DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">221000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses id="DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3437000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses>
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses id="DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4274000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses>
  <us-gaap:DeferredTaxLiabilitiesInvestments id="DeferredTaxLiabilitiesInvestments.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">18000</us-gaap:DeferredTaxLiabilitiesInvestments>
  <us-gaap:DeferredTaxLiabilitiesInvestments id="DeferredTaxLiabilitiesInvestments.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">28000</us-gaap:DeferredTaxLiabilitiesInvestments>
  <us-gaap:DeferredTaxLiabilitiesOther id="DeferredTaxLiabilitiesOther.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">309000</us-gaap:DeferredTaxLiabilitiesOther>
  <us-gaap:DeferredTaxLiabilitiesOther id="DeferredTaxLiabilitiesOther.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">295000</us-gaap:DeferredTaxLiabilitiesOther>
  <us-gaap:DeferredTaxLiabilitiesOtherComprehensiveIncome id="DeferredTaxLiabilitiesOtherComprehensiveIncome.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">545000</us-gaap:DeferredTaxLiabilitiesOtherComprehensiveIncome>
  <us-gaap:DeferredTaxLiabilitiesOtherComprehensiveIncome id="DeferredTaxLiabilitiesOtherComprehensiveIncome.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2133000</us-gaap:DeferredTaxLiabilitiesOtherComprehensiveIncome>
  <us-gaap:DefinedBenefitPlanAccumulatedBenefitObligation id="DefinedBenefitPlanAccumulatedBenefitObligation.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">27566000</us-gaap:DefinedBenefitPlanAccumulatedBenefitObligation>
  <us-gaap:DefinedBenefitPlanAccumulatedBenefitObligation id="DefinedBenefitPlanAccumulatedBenefitObligation.4551.4013.1518.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">26662000</us-gaap:DefinedBenefitPlanAccumulatedBenefitObligation>
  <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax id="DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">10088000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax>
  <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax id="DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.4551.4013.1518.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">14269000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax>
  <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax id="DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-10107000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax>
  <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax id="DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax.4551.4013.1518.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-14315000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax>
  <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax id="DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-19000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax>
  <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax id="DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.4551.4013.1518.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-38000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax>
  <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax id="DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax.4550.4013.1518.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax id="DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax.4551.4013.1518.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">8000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax>
  <us-gaap:DefinedBenefitPlanActualReturnOnPlanAssets id="DefinedBenefitPlanActualReturnOnPlanAssets.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">3850000</us-gaap:DefinedBenefitPlanActualReturnOnPlanAssets>
  <us-gaap:DefinedBenefitPlanActualReturnOnPlanAssets id="DefinedBenefitPlanActualReturnOnPlanAssets.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">2162000</us-gaap:DefinedBenefitPlanActualReturnOnPlanAssets>
  <us-gaap:DefinedBenefitPlanActuarialGainLoss id="DefinedBenefitPlanActuarialGainLoss.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-757000</us-gaap:DefinedBenefitPlanActuarialGainLoss>
  <us-gaap:DefinedBenefitPlanActuarialGainLoss id="DefinedBenefitPlanActuarialGainLoss.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">2882000</us-gaap:DefinedBenefitPlanActuarialGainLoss>
  <us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses id="DefinedBenefitPlanAmortizationOfGainsLosses.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-1375000</us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses>
  <us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses id="DefinedBenefitPlanAmortizationOfGainsLosses.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-1094000</us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses>
  <us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses id="DefinedBenefitPlanAmortizationOfGainsLosses.4556.4013.1518.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-800000</us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses>
  <us-gaap:DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation id="DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-4000</us-gaap:DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation>
  <us-gaap:DefinedBenefitPlanAmortizationOfPriorServiceCostCredit id="DefinedBenefitPlanAmortizationOfPriorServiceCostCredit.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-19000</us-gaap:DefinedBenefitPlanAmortizationOfPriorServiceCostCredit>
  <us-gaap:DefinedBenefitPlanAmortizationOfPriorServiceCostCredit id="DefinedBenefitPlanAmortizationOfPriorServiceCostCredit.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-19000</us-gaap:DefinedBenefitPlanAmortizationOfPriorServiceCostCredit>
  <us-gaap:DefinedBenefitPlanAmortizationOfPriorServiceCostCredit id="DefinedBenefitPlanAmortizationOfPriorServiceCostCredit.4556.4013.1518.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">7000</us-gaap:DefinedBenefitPlanAmortizationOfPriorServiceCostCredit>
  <us-gaap:DefinedBenefitPlanAmortizationOfTransitionObligationsAssets id="DefinedBenefitPlanAmortizationOfTransitionObligationsAssets.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-8000</us-gaap:DefinedBenefitPlanAmortizationOfTransitionObligationsAssets>
  <us-gaap:DefinedBenefitPlanAmortizationOfTransitionObligationsAssets id="DefinedBenefitPlanAmortizationOfTransitionObligationsAssets.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-17000</us-gaap:DefinedBenefitPlanAmortizationOfTransitionObligationsAssets>
  <us-gaap:DefinedBenefitPlanAmortizationOfTransitionObligationsAssets id="DefinedBenefitPlanAmortizationOfTransitionObligationsAssets.4556.4013.1518.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-17000</us-gaap:DefinedBenefitPlanAmortizationOfTransitionObligationsAssets>
  <us-gaap:DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets id="DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">631000</us-gaap:DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets>
  <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate id="DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="pure" decimals="3">0.045</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate>
  <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate id="DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.4551.4013.1518.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.4013.1518.0.0.0.0" unitRef="pure" decimals="2">0.04</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate>
  <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease id="DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="pure" decimals="3">0.025</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease>
  <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease id="DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.4551.4013.1518.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.4013.1518.0.0.0.0" unitRef="pure" decimals="3">0.025</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease>
  <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate id="DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="pure" decimals="2">0.04</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate>
  <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate id="DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="pure" decimals="4">0.0475</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate>
  <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate id="DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.4556.4013.1518.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4013.1518.0.0.0.0" unitRef="pure" decimals="4">0.0525</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate>
  <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets id="DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="pure" decimals="2">0.08</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets>
  <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets id="DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="pure" decimals="2">0.08</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets>
  <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets id="DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.4556.4013.1518.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4013.1518.0.0.0.0" unitRef="pure" decimals="2">0.08</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets>
  <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease id="DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="pure" decimals="3">0.025</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease>
  <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease id="DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="pure" decimals="3">0.025</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease>
  <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease id="DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.4556.4013.1518.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4013.1518.0.0.0.0" unitRef="pure" decimals="3">0.025</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease>
  <us-gaap:DefinedBenefitPlanBenefitObligation id="DefinedBenefitPlanBenefitObligation.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">30249000</us-gaap:DefinedBenefitPlanBenefitObligation>
  <us-gaap:DefinedBenefitPlanBenefitObligation id="DefinedBenefitPlanBenefitObligation.4551.4013.1518.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">29844000</us-gaap:DefinedBenefitPlanBenefitObligation>
  <us-gaap:DefinedBenefitPlanBenefitObligation id="DefinedBenefitPlanBenefitObligation.4552.4013.1518.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">25709000</us-gaap:DefinedBenefitPlanBenefitObligation>
  <us-gaap:DefinedBenefitPlanBenefitsPaid id="DefinedBenefitPlanBenefitsPaid.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">1730000</us-gaap:DefinedBenefitPlanBenefitsPaid>
  <us-gaap:DefinedBenefitPlanBenefitsPaid id="DefinedBenefitPlanBenefitsPaid.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">1574000</us-gaap:DefinedBenefitPlanBenefitsPaid>
  <us-gaap:DefinedBenefitPlanContributionsByEmployer id="DefinedBenefitPlanContributionsByEmployer.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">2800000</us-gaap:DefinedBenefitPlanContributionsByEmployer>
  <us-gaap:DefinedBenefitPlanContributionsByEmployer id="DefinedBenefitPlanContributionsByEmployer.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">2600000</us-gaap:DefinedBenefitPlanContributionsByEmployer>
  <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter id="DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">14200000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter>
  <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths id="DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">2444000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths>
  <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive id="DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">2430000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive>
  <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour id="DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">2809000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour>
  <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree id="DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">2752000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree>
  <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo id="DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">2268000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo>
  <us-gaap:DefinedBenefitPlanExpectedReturnOnPlanAssets id="DefinedBenefitPlanExpectedReturnOnPlanAssets.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">1775000</us-gaap:DefinedBenefitPlanExpectedReturnOnPlanAssets>
  <us-gaap:DefinedBenefitPlanExpectedReturnOnPlanAssets id="DefinedBenefitPlanExpectedReturnOnPlanAssets.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">1656000</us-gaap:DefinedBenefitPlanExpectedReturnOnPlanAssets>
  <us-gaap:DefinedBenefitPlanExpectedReturnOnPlanAssets id="DefinedBenefitPlanExpectedReturnOnPlanAssets.4556.4013.1518.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">1582000</us-gaap:DefinedBenefitPlanExpectedReturnOnPlanAssets>
  <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets id="DefinedBenefitPlanFairValueOfPlanAssets.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">26288000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
  <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets id="DefinedBenefitPlanFairValueOfPlanAssets.4551.4013.1518.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">21368000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
  <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets id="DefinedBenefitPlanFairValueOfPlanAssets.4552.4013.1518.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">18180000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
  <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets id="DefinedBenefitPlanFairValueOfPlanAssets.4550.941.1505.4013.1518.2138.1998" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.941.1505.4013.1518.2138.1998" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets id="DefinedBenefitPlanFairValueOfPlanAssets.4551.941.1505.4013.1518.2138.1998" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.941.1505.4013.1518.2138.1998" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets id="DefinedBenefitPlanFairValueOfPlanAssets.4550.1886.1505.4013.1518.2138.1998" contextRef="as-of-2013-12-31.4550.0.1886.1505.4013.1518.2138.1998" unitRef="USD" decimals="-3">2741000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
  <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets id="DefinedBenefitPlanFairValueOfPlanAssets.4551.1886.1505.4013.1518.2138.1998" contextRef="as-of-2012-12-31.4551.0.1886.1505.4013.1518.2138.1998" unitRef="USD" decimals="-3">4731000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
  <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets id="DefinedBenefitPlanFairValueOfPlanAssets.4550.36922.1505.4013.1518.2138.1998" contextRef="as-of-2013-12-31.4550.0.36922.1505.4013.1518.2138.1998" unitRef="USD" decimals="-3">1478000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
  <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets id="DefinedBenefitPlanFairValueOfPlanAssets.4551.36922.1505.4013.1518.2138.1998" contextRef="as-of-2012-12-31.4551.0.36922.1505.4013.1518.2138.1998" unitRef="USD" decimals="-3">336000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
  <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets id="DefinedBenefitPlanFairValueOfPlanAssets.4550.1913.1505.4013.1518.2138.1998" contextRef="as-of-2013-12-31.4550.0.1913.1505.4013.1518.2138.1998" unitRef="USD" decimals="-3">20744000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
  <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets id="DefinedBenefitPlanFairValueOfPlanAssets.4551.1913.1505.4013.1518.2138.1998" contextRef="as-of-2012-12-31.4551.0.1913.1505.4013.1518.2138.1998" unitRef="USD" decimals="-3">13566000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
  <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets id="DefinedBenefitPlanFairValueOfPlanAssets.4550.1234.1505.4013.1518.2139.1998" contextRef="as-of-2013-12-31.4550.0.1234.1505.4013.1518.2139.1998" unitRef="USD" decimals="-3">1325000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
  <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets id="DefinedBenefitPlanFairValueOfPlanAssets.4551.1234.1505.4013.1518.2139.1998" contextRef="as-of-2012-12-31.4551.0.1234.1505.4013.1518.2139.1998" unitRef="USD" decimals="-3">2735000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
  <us-gaap:DefinedBenefitPlanFundedStatusOfPlan id="DefinedBenefitPlanFundedStatusOfPlan.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-3961000</us-gaap:DefinedBenefitPlanFundedStatusOfPlan>
  <us-gaap:DefinedBenefitPlanFundedStatusOfPlan id="DefinedBenefitPlanFundedStatusOfPlan.4551.4013.1518.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-8476000</us-gaap:DefinedBenefitPlanFundedStatusOfPlan>
  <us-gaap:DefinedBenefitPlanFutureAmortizationOfGainLoss id="DefinedBenefitPlanFutureAmortizationOfGainLoss.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">683000</us-gaap:DefinedBenefitPlanFutureAmortizationOfGainLoss>
  <us-gaap:DefinedBenefitPlanFutureAmortizationOfGainLoss id="DefinedBenefitPlanFutureAmortizationOfGainLoss.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">1085000</us-gaap:DefinedBenefitPlanFutureAmortizationOfGainLoss>
  <us-gaap:DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit id="DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-10000</us-gaap:DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit>
  <us-gaap:DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit id="DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-19000</us-gaap:DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit>
  <us-gaap:DefinedBenefitPlanInterestCost id="DefinedBenefitPlanInterestCost.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">1189000</us-gaap:DefinedBenefitPlanInterestCost>
  <us-gaap:DefinedBenefitPlanInterestCost id="DefinedBenefitPlanInterestCost.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">1234000</us-gaap:DefinedBenefitPlanInterestCost>
  <us-gaap:DefinedBenefitPlanInterestCost id="DefinedBenefitPlanInterestCost.4556.4013.1518.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">1198000</us-gaap:DefinedBenefitPlanInterestCost>
  <us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost id="DefinedBenefitPlanNetPeriodicBenefitCost.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">2465000</us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost>
  <us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost id="DefinedBenefitPlanNetPeriodicBenefitCost.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">2229000</us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost>
  <us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost id="DefinedBenefitPlanNetPeriodicBenefitCost.4556.4013.1518.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">1741000</us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost>
  <us-gaap:DefinedBenefitPlanServiceCost id="DefinedBenefitPlanServiceCost.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">1703000</us-gaap:DefinedBenefitPlanServiceCost>
  <us-gaap:DefinedBenefitPlanServiceCost id="DefinedBenefitPlanServiceCost.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">1593000</us-gaap:DefinedBenefitPlanServiceCost>
  <us-gaap:DefinedBenefitPlanServiceCost id="DefinedBenefitPlanServiceCost.4556.4013.1518.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">1335000</us-gaap:DefinedBenefitPlanServiceCost>
  <us-gaap:DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear id="DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">2000000</us-gaap:DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear>
  <us-gaap:DefinedBenefitPlanTargetPlanAssetAllocations id="DefinedBenefitPlanTargetPlanAssetAllocations.4554.1886.1505.4013.1518.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1886.1505.4013.1518.0.0" unitRef="pure" decimals="1">0.6</us-gaap:DefinedBenefitPlanTargetPlanAssetAllocations>
  <us-gaap:DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum id="DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.4554.1886.1505.4013.1518.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1886.1505.4013.1518.0.0" unitRef="pure" decimals="1">0.6</us-gaap:DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum>
  <us-gaap:DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum id="DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.4554.1364.1505.4013.1518.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1364.1505.4013.1518.0.0" unitRef="pure" decimals="1">0.5</us-gaap:DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum>
  <us-gaap:DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum id="DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.4554.1886.1505.4013.1518.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1886.1505.4013.1518.0.0" unitRef="pure" decimals="1">0.5</us-gaap:DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum>
  <us-gaap:DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum id="DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.4554.1364.1505.4013.1518.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1364.1505.4013.1518.0.0" unitRef="pure" decimals="1">0.4</us-gaap:DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations id="DefinedBenefitPlanWeightedAverageAssetAllocations.4550.941.1505.4013.1518.0.0" contextRef="as-of-2013-12-31.4550.0.941.1505.4013.1518.0.0" unitRef="pure" decimals="0">0</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations id="DefinedBenefitPlanWeightedAverageAssetAllocations.4551.941.1505.4013.1518.0.0" contextRef="as-of-2012-12-31.4551.0.941.1505.4013.1518.0.0" unitRef="pure" decimals="0">0</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations id="DefinedBenefitPlanWeightedAverageAssetAllocations.4550.1886.1505.4013.1518.0.0" contextRef="as-of-2013-12-31.4550.0.1886.1505.4013.1518.0.0" unitRef="pure" decimals="1">0.1</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations id="DefinedBenefitPlanWeightedAverageAssetAllocations.4551.1886.1505.4013.1518.0.0" contextRef="as-of-2012-12-31.4551.0.1886.1505.4013.1518.0.0" unitRef="pure" decimals="2">0.22</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations id="DefinedBenefitPlanWeightedAverageAssetAllocations.4550.1913.1505.4013.1518.0.0" contextRef="as-of-2013-12-31.4550.0.1913.1505.4013.1518.0.0" unitRef="pure" decimals="2">0.79</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations id="DefinedBenefitPlanWeightedAverageAssetAllocations.4551.1913.1505.4013.1518.0.0" contextRef="as-of-2012-12-31.4551.0.1913.1505.4013.1518.0.0" unitRef="pure" decimals="2">0.63</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations id="DefinedBenefitPlanWeightedAverageAssetAllocations.4550.36922.1505.4013.1518.0.0" contextRef="as-of-2013-12-31.4550.0.36922.1505.4013.1518.0.0" unitRef="pure" decimals="2">0.06</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations id="DefinedBenefitPlanWeightedAverageAssetAllocations.4551.36922.1505.4013.1518.0.0" contextRef="as-of-2012-12-31.4551.0.36922.1505.4013.1518.0.0" unitRef="pure" decimals="2">0.02</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations id="DefinedBenefitPlanWeightedAverageAssetAllocations.4550.1234.1505.4013.1518.0.0" contextRef="as-of-2013-12-31.4550.0.1234.1505.4013.1518.0.0" unitRef="pure" decimals="2">0.05</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations id="DefinedBenefitPlanWeightedAverageAssetAllocations.4551.1234.1505.4013.1518.0.0" contextRef="as-of-2012-12-31.4551.0.1234.1505.4013.1518.0.0" unitRef="pure" decimals="2">0.13</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations id="DefinedBenefitPlanWeightedAverageAssetAllocations.4550.4013.1518.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0" unitRef="pure" decimals="0">1</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations id="DefinedBenefitPlanWeightedAverageAssetAllocations.4551.4013.1518.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.4013.1518.0.0.0.0" unitRef="pure" decimals="0">1</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
  <us-gaap:DefinedContributionPlanCostRecognized id="DefinedContributionPlanCostRecognized.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">327000</us-gaap:DefinedContributionPlanCostRecognized>
  <us-gaap:DefinedContributionPlanCostRecognized id="DefinedContributionPlanCostRecognized.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">277000</us-gaap:DefinedContributionPlanCostRecognized>
  <us-gaap:DefinedContributionPlanEmployerMatchingContributionPercentOfMatch id="DefinedContributionPlanEmployerMatchingContributionPercentOfMatch.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="pure" decimals="2">0.06</us-gaap:DefinedContributionPlanEmployerMatchingContributionPercentOfMatch>
  <us-gaap:DefinedContributionPlanEmployerMatchingContributionPercentOfMatch id="DefinedContributionPlanEmployerMatchingContributionPercentOfMatch.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="pure" decimals="2">0.02</us-gaap:DefinedContributionPlanEmployerMatchingContributionPercentOfMatch>
  <us-gaap:DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent id="DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="pure" decimals="2">0.03</us-gaap:DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent>
  <us-gaap:DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent id="DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="pure" decimals="2">0.01</us-gaap:DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent>
  <us-gaap:DepositLiabilitiesDisclosuresTextBlock id="DepositLiabilitiesDisclosuresTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 8.&amp;nbsp;&amp;nbsp;DEPOSITS&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table sets forth the balance of the Company&amp;#39;s deposits:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Demand:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Non-interest bearing&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;154,002&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 156,223&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Interest bearing&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;84,926&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 61,774&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Savings&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;87,655&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 86,135&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Money market&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;219,801&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 215,870&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Certificates of deposit in denominations of $100,000 or more&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;47,287&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 35,339&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other time&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;260,851&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 280,393&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total deposits&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;854,522&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 835,734&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Interest expense on deposits consisted of the following:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest bearing demand&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;138&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;116&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;153&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Savings&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;139&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;181&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;256&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Money market&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;736&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;895&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,063&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Certificates of deposit in denominations of $100,000 or&lt;br /&gt; more&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;289&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;435&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;637&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other time&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,862&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 4,875&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 6,226&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total interest expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,164&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 6,502&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 8,335&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table sets forth the balance of other time deposits and certificates of deposit of $100,000 or more as of December 31, 2013 maturing in the periods presented:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; YEAR:&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;OTHER TIME DEPOSITS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CERTIFICATES OF DEPOSIT OF $100,000 OR MORE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2014&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;128,725&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;32,109&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2015&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;42,497&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;13,310&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2016&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;20,033&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,551&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2017&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;11,684&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;217&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2018&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,541&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2019 and after&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;47,371&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;100&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;260,851&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;47,287&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The maturities on certificates of deposit greater than $100,000 or more as of December 31, 2013, are as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; MATURING IN:&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Three months or less&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;7,399&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Over three through six months&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;20,763&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Over six through twelve months&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,947&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Over twelve months&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,178&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;47,287&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:DepositLiabilitiesDisclosuresTextBlock>
  <us-gaap:Deposits id="Deposits.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">854522000</us-gaap:Deposits>
  <us-gaap:Deposits id="Deposits.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">835734000</us-gaap:Deposits>
  <us-gaap:DepositsMoneyMarketDeposits id="DepositsMoneyMarketDeposits.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">219801000</us-gaap:DepositsMoneyMarketDeposits>
  <us-gaap:DepositsMoneyMarketDeposits id="DepositsMoneyMarketDeposits.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">215870000</us-gaap:DepositsMoneyMarketDeposits>
  <us-gaap:DepositsSavingsDeposits id="DepositsSavingsDeposits.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">87655000</us-gaap:DepositsSavingsDeposits>
  <us-gaap:DepositsSavingsDeposits id="DepositsSavingsDeposits.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">86135000</us-gaap:DepositsSavingsDeposits>
  <us-gaap:Depreciation id="Depreciation.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1700000</us-gaap:Depreciation>
  <us-gaap:Depreciation id="Depreciation.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1500000</us-gaap:Depreciation>
  <us-gaap:Depreciation id="Depreciation.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1500000</us-gaap:Depreciation>
  <us-gaap:DerivativeAssets id="DerivativeAssets.4550.2011.1988.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2011.1988.0.0.0.0" unitRef="USD" decimals="-3">164000</us-gaap:DerivativeAssets>
  <us-gaap:DerivativeAssets id="DerivativeAssets.4551.2011.1988.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2011.1988.0.0.0.0" unitRef="USD" decimals="-3">164000</us-gaap:DerivativeAssets>
  <us-gaap:DerivativeAssets id="DerivativeAssets.4550.2138.1998.2011.1988.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2138.1998.2011.1988.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:DerivativeAssets id="DerivativeAssets.4551.2138.1998.2011.1988.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2138.1998.2011.1988.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:DerivativeAssets id="DerivativeAssets.4550.2139.1998.2011.1988.0.0" contextRef="as-of-2013-12-31.4550.0.2139.1998.2011.1988.0.0" unitRef="USD" decimals="-3">164000</us-gaap:DerivativeAssets>
  <us-gaap:DerivativeAssets id="DerivativeAssets.4551.2139.1998.2011.1988.0.0" contextRef="as-of-2012-12-31.4551.0.2139.1998.2011.1988.0.0" unitRef="USD" decimals="-3">164000</us-gaap:DerivativeAssets>
  <us-gaap:DerivativeAssets id="DerivativeAssets.4550.2129.1998.2011.1988.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2129.1998.2011.1988.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:DerivativeAssets id="DerivativeAssets.4551.2129.1998.2011.1988.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2129.1998.2011.1988.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:DerivativeAssets id="DerivativeAssets.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">164000</us-gaap:DerivativeAssets>
  <us-gaap:DerivativeFixedInterestRate id="DerivativeFixedInterestRate.4550.36929.1573.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36929.1573.0.0.0.0" unitRef="pure" decimals="4">0.0273</us-gaap:DerivativeFixedInterestRate>
  <us-gaap:DerivativeFixedInterestRate id="DerivativeFixedInterestRate.4550.36930.1573.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36930.1573.0.0.0.0" unitRef="pure" decimals="4">0.0525</us-gaap:DerivativeFixedInterestRate>
  <us-gaap:DerivativeInceptionDates id="DerivativeInceptionDates.4554.36929.1573.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36929.1573.0.0.0.0">2008-12-12</us-gaap:DerivativeInceptionDates>
  <us-gaap:DerivativeInceptionDates id="DerivativeInceptionDates.4554.36930.1573.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36930.1573.0.0.0.0">2008-12-12</us-gaap:DerivativeInceptionDates>
  <us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock id="DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 21.&amp;nbsp;&amp;nbsp;DERIVATIVE HEDGING INSTRUMENTS&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company can use various interest rate contracts, such as interest rate swaps, caps, floors and swaptions to help manage interest rate and market valuation risk exposure, which is incurred in normal recurrent banking activities. The Company can use derivative instruments, primarily interest rate swaps, to manage interest rate risk and match the rates on certain assets by hedging the fair value of certain fixed rate debt, which converts the debt to variable rates and by hedging the cash flow variability associated with certain variable rate debt by converting the debt to fixed rates.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; To accommodate a customer need and support the Company&amp;#39;s asset/liability positioning, we entered into an interest rate swap with the customer and Pittsburgh National Bank (PNC) in the fourth quarter of 2008. This arrangement involved the exchange of interest payments based on the notional amounts. The Company entered into a floating rate loan and a fixed rate swap with our customer. Simultaneously, the Company entered into an offsetting fixed rate swap with PNC. In connection with each swap transaction, the Company agreed to pay interest to the customer on a notional amount at a variable interest rate and receive interest from the customer on the same notional amount at a fixed interest rate. At the same time, the Company agreed to pay PNC the same fixed interest rate on the same notional amount and receive the same variable interest rate on the same notional amount. This transaction allowed the Company&amp;#39;s customer to effectively convert a variable rate loan to a fixed rate. Because the Company acts as an intermediary for its customer, changes in the fair value of the underlying derivative contracts offset each other and did not significantly impact the Company&amp;#39;s results of operations.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table summarizes the interest rate swap transactions that impacted the Company&amp;#39;s 2013 performance:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; START DATE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;MATURITY DATE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;HEDGE TYPE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;NOTIONAL AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATE RECEIVED&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATE PAID&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;REPRICING FREQUENCY&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;INCREASE (DECREASE) IN INTEREST EXPENSE&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; 12/12/08&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; 09/24/13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9,000,000&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5.25&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2.73&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; MONTHLY&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;165,488&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; 12/12/08&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; 09/24/13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; FAIR VALUE&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; 9,000,000&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; 2.73&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; 5.25&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; MONTHLY&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(165,488)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company monitors and controls all derivative products with a comprehensive Board of Director approved hedging policy. This policy permits a total maximum notional amount outstanding of $500 million for interest rate swaps, interest rate caps/floors, and swaptions. All hedge transactions must be approved in advance by the Investment Asset/Liability Committee (ALCO) of the Board of Directors.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock>
  <us-gaap:DerivativeLiabilities id="DerivativeLiabilities.4550.2011.1988.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2011.1988.0.0.0.0" unitRef="USD" decimals="-3">164000</us-gaap:DerivativeLiabilities>
  <us-gaap:DerivativeLiabilities id="DerivativeLiabilities.4551.2011.1988.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2011.1988.0.0.0.0" unitRef="USD" decimals="-3">164000</us-gaap:DerivativeLiabilities>
  <us-gaap:DerivativeLiabilities id="DerivativeLiabilities.4550.2139.1998.2011.1988.0.0" contextRef="as-of-2013-12-31.4550.0.2139.1998.2011.1988.0.0" unitRef="USD" decimals="-3">164000</us-gaap:DerivativeLiabilities>
  <us-gaap:DerivativeLiabilities id="DerivativeLiabilities.4551.2139.1998.2011.1988.0.0" contextRef="as-of-2012-12-31.4551.0.2139.1998.2011.1988.0.0" unitRef="USD" decimals="-3">164000</us-gaap:DerivativeLiabilities>
  <us-gaap:DerivativeLiabilities id="DerivativeLiabilities.4550.2138.1998.2011.1988.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2138.1998.2011.1988.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:DerivativeLiabilities id="DerivativeLiabilities.4551.2138.1998.2011.1988.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2138.1998.2011.1988.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:DerivativeLiabilities id="DerivativeLiabilities.4550.2129.1998.2011.1988.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2129.1998.2011.1988.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:DerivativeLiabilities id="DerivativeLiabilities.4551.2129.1998.2011.1988.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2129.1998.2011.1988.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:DerivativeLiabilities id="DerivativeLiabilities.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">164000</us-gaap:DerivativeLiabilities>
  <us-gaap:DerivativeMaturityDates id="DerivativeMaturityDates.4554.36929.1573.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36929.1573.0.0.0.0">2013-09-24</us-gaap:DerivativeMaturityDates>
  <us-gaap:DerivativeMaturityDates id="DerivativeMaturityDates.4554.36930.1573.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36930.1573.0.0.0.0">2013-09-24</us-gaap:DerivativeMaturityDates>
  <us-gaap:DerivativesPolicyTextBlock id="DerivativesPolicyTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; INTEREST RATE CONTRACTS:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company recognizes all derivatives as either assets or liabilities on the Consolidated Balance Sheets and measures those instruments at fair value. For derivatives designated as fair value hedges, changes in the fair value of the derivative and hedged item related to the hedged risk are recognized in earnings. Changes in fair value of derivatives designated and accounted as cash flow hedges, to the extent they are effective as hedges, are recorded in "Other Comprehensive Income," net of deferred taxes and are subsequently reclassified to earnings when the hedged transaction affects earnings. Any hedge ineffectiveness would be recognized in the income statement line item pertaining to the hedged item.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company periodically enters into derivative instruments to meet the financing, interest rate and equity risk management needs of its customers. Upon entering into these instruments to meet customer needs, the Company enters into offsetting positions to minimize interest rate and equity risk to the Company. These derivative financial instruments are reported at fair value with any resulting gain or loss recorded in current period earnings. These instruments and their offsetting positions are recorded in other assets and other liabilities on the Consolidated Balance Sheets.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:DerivativesPolicyTextBlock>
  <us-gaap:DerivativeVariableInterestRate id="DerivativeVariableInterestRate.4550.36929.1573.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36929.1573.0.0.0.0" unitRef="pure" decimals="4">0.0525</us-gaap:DerivativeVariableInterestRate>
  <us-gaap:DerivativeVariableInterestRate id="DerivativeVariableInterestRate.4550.36930.1573.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36930.1573.0.0.0.0" unitRef="pure" decimals="4">0.0273</us-gaap:DerivativeVariableInterestRate>
  <us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock id="DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 18.&amp;nbsp;&amp;nbsp;STOCK COMPENSATION PLANS&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company uses the modified perspective method for accounting for stock-based compensation and recognized $82,000 of pretax compensation expense for the year 2013, $38,000 in 2012 and $15,000 in 2011.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; During 2011, the Company&amp;#39;s Board of Directors adopted, and its shareholders approved, the AmeriServ Financial, Inc. 2011 Stock Incentive Plan (the Plan) authorizing the grant of options or restricted stock covering 800,000 shares of common stock. This Plan replaced the expired 2001 Stock Option Plan. Under the Plan, options or restricted stock can be granted (the Grant Date) to directors, officers, and employees that provide services to the Company and its affiliates, as selected by the compensation committee of the Board of Directors. The option price at which a granted stock option may be exercised was not less than 100% of the fair market value per share of common stock on the Grant Date. The maximum term of any option granted under the Plan cannot exceed 10 years. Generally, options vest over a three year period and become exercisable in equal installments over the vesting period. At times, options with a one year vesting period may also be issued.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; A summary of the status of the Company&amp;#39;s Stock Incentive Plan at December 31, 2013, 2012, and 2011, and changes during the years then ended is presented in the table and narrative following:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23"&gt;YEAR ENDED DECEMBER 31&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SHARES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;WEIGHTED AVERAGE EXERCISE PRICE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SHARES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;WEIGHTED AVERAGE EXERCISE PRICE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SHARES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;WEIGHTED AVERAGE EXERCISE PRICE&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Outstanding at beginning of year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;398,371&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.43&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 313,612&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3.02&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 257,287&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3.18&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Granted&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;102,445&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3.19&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 164,241&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2.73&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 58,575&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2.25&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Exercised&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(3,467)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.81&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,500&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1.70&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (750&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1.70&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Forfeited&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(10,000)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;4.25&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (77,982&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; 5.47&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (1,500&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; 1.70&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Outstanding at end of year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;487,349&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.55&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 398,371&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; 2.43&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 313,612&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; 3.02&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Exercisable at end of year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;257,253&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.25&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 167,624&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2.29&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 179,874&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3.81&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Weighted average fair value of options granted in current year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.83&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.80&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.51&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; A total of 257,253 of the 487,349 options outstanding at December 31, 2013, are exercisable and have exercise prices between $1.53 and $5.75, with a weighted average exercise price of $2.25 and a weighted average remaining contractual life of 6.41 years. All of these options are exercisable. The remaining 230,096 options that are not yet exercisable have exercise prices between $1.92 and $3.23, with a weighted average exercise price of $2.90 and a weighted average remaining contractual life of 8.80 years. The fair value of each option grant is estimated on the date of grant using the Black-Scholes option pricing model with the following assumptions used for grants in 2013, 2012, and 2011.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; BLACK-SCHOLES ASSUMPTION RANGES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Risk-free interest rate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;strong&gt;1.82&amp;nbsp;-&amp;nbsp;2.03%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; 1.66&amp;nbsp;-&amp;nbsp;2.28%&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; 2.19&amp;nbsp;-&amp;nbsp;3.62%&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Expected lives in years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;10&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;10&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;10&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Expected volatility&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;strong&gt;30.06&amp;nbsp;-&amp;nbsp;32.32%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; 33.26&amp;nbsp;-&amp;nbsp;35.77%&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; 35.03&amp;nbsp;-&amp;nbsp;35.25%&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Expected dividend rate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.30%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;0%&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;0%&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock>
  <us-gaap:DividendIncomeOperating id="DividendIncomeOperating.4554.3923.136.36931.4820.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.36931.4820.0.0" unitRef="USD" decimals="-3">5500000</us-gaap:DividendIncomeOperating>
  <us-gaap:DividendIncomeOperating id="DividendIncomeOperating.4555.3923.136.36931.4820.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.36931.4820.0.0" unitRef="USD" decimals="-3">8000000</us-gaap:DividendIncomeOperating>
  <us-gaap:DividendIncomeOperating id="DividendIncomeOperating.4556.3923.136.36931.4820.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.36931.4820.0.0" unitRef="USD" decimals="-3">2500000</us-gaap:DividendIncomeOperating>
  <us-gaap:DividendIncomeOperating id="DividendIncomeOperating.4554.3923.136.36932.4820.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.36932.4820.0.0" unitRef="USD" decimals="-3">675000</us-gaap:DividendIncomeOperating>
  <us-gaap:DividendIncomeOperating id="DividendIncomeOperating.4555.3923.136.36932.4820.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.36932.4820.0.0" unitRef="USD" decimals="-3">710000</us-gaap:DividendIncomeOperating>
  <us-gaap:DividendIncomeOperating id="DividendIncomeOperating.4556.3923.136.36932.4820.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.36932.4820.0.0" unitRef="USD" decimals="-3">620000</us-gaap:DividendIncomeOperating>
  <us-gaap:DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1 id="DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">105600000</us-gaap:DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1>
  <us-gaap:DividendsCommonStockCash id="DividendsCommonStockCash.4554.4652.5169.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4652.5169.0.0.0.0" unitRef="USD" decimals="-3">566000</us-gaap:DividendsCommonStockCash>
  <us-gaap:DividendsCommonStockCash id="DividendsCommonStockCash.4555.4652.5169.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4652.5169.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:DividendsCommonStockCash id="DividendsCommonStockCash.4556.4652.5169.0.0.0.0" xsi:nil="true" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4652.5169.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:DividendsPreferredStock id="DividendsPreferredStock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">209000</us-gaap:DividendsPreferredStock>
  <us-gaap:DividendsPreferredStock id="DividendsPreferredStock.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">828000</us-gaap:DividendsPreferredStock>
  <us-gaap:DividendsPreferredStock id="DividendsPreferredStock.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1385000</us-gaap:DividendsPreferredStock>
  <us-gaap:DividendsPreferredStockCash id="DividendsPreferredStockCash.4554.4652.5169.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4652.5169.0.0.0.0" unitRef="USD" decimals="-3">209000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:DividendsPreferredStockCash id="DividendsPreferredStockCash.4555.4652.5169.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4652.5169.0.0.0.0" unitRef="USD" decimals="-3">828000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:DividendsPreferredStockCash id="DividendsPreferredStockCash.4556.4652.5169.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4652.5169.0.0.0.0" unitRef="USD" decimals="-3">1054000</us-gaap:DividendsPreferredStockCash>
  <us-gaap:EarlyRepaymentOfSubordinatedDebt id="EarlyRepaymentOfSubordinatedDebt.4594.36912.1361.0.0.0.0" contextRef="from-2005-01-01-to-2005-12-31.4594.0.36912.1361.0.0.0.0" unitRef="USD" decimals="-3">22500000</us-gaap:EarlyRepaymentOfSubordinatedDebt>
  <us-gaap:EarlyRepaymentOfSubordinatedDebt id="EarlyRepaymentOfSubordinatedDebt.4595.36912.1361.0.0.0.0" contextRef="from-2004-01-01-to-2004-12-31.4595.0.36912.1361.0.0.0.0" unitRef="USD" decimals="-3">22500000</us-gaap:EarlyRepaymentOfSubordinatedDebt>
  <us-gaap:EarningsPerShareBasic id="EarningsPerShareBasic.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.26</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareBasic id="EarningsPerShareBasic.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.21</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareBasic id="EarningsPerShareBasic.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.24</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareBasic id="EarningsPerShareBasic.4614.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-03-31.4614.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.06</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareBasic id="EarningsPerShareBasic.4615.0.0.0.0.0.0" contextRef="from-2012-04-01-to-2012-06-30.4615.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.06</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareBasic id="EarningsPerShareBasic.4616.0.0.0.0.0.0" contextRef="from-2012-07-01-to-2012-09-30.4616.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.05</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareBasic id="EarningsPerShareBasic.4617.0.0.0.0.0.0" contextRef="from-2012-10-01-to-2012-12-31.4617.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.04</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareBasic id="EarningsPerShareBasic.4618.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-03-31.4618.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.05</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareBasic id="EarningsPerShareBasic.4619.0.0.0.0.0.0" contextRef="from-2013-04-01-to-2013-06-30.4619.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.05</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareBasic id="EarningsPerShareBasic.4620.0.0.0.0.0.0" contextRef="from-2013-07-01-to-2013-09-30.4620.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.06</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareBasic id="EarningsPerShareBasic.4621.0.0.0.0.0.0" contextRef="from-2013-10-01-to-2013-12-31.4621.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.10</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareDiluted id="EarningsPerShareDiluted.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.26</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerShareDiluted id="EarningsPerShareDiluted.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.21</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerShareDiluted id="EarningsPerShareDiluted.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.24</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerShareDiluted id="EarningsPerShareDiluted.4614.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-03-31.4614.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.06</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerShareDiluted id="EarningsPerShareDiluted.4615.0.0.0.0.0.0" contextRef="from-2012-04-01-to-2012-06-30.4615.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.06</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerShareDiluted id="EarningsPerShareDiluted.4616.0.0.0.0.0.0" contextRef="from-2012-07-01-to-2012-09-30.4616.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.05</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerShareDiluted id="EarningsPerShareDiluted.4617.0.0.0.0.0.0" contextRef="from-2012-10-01-to-2012-12-31.4617.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.04</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerShareDiluted id="EarningsPerShareDiluted.4618.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-03-31.4618.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.05</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerShareDiluted id="EarningsPerShareDiluted.4619.0.0.0.0.0.0" contextRef="from-2013-04-01-to-2013-06-30.4619.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.05</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerShareDiluted id="EarningsPerShareDiluted.4620.0.0.0.0.0.0" contextRef="from-2013-07-01-to-2013-09-30.4620.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.06</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerShareDiluted id="EarningsPerShareDiluted.4621.0.0.0.0.0.0" contextRef="from-2013-10-01-to-2013-12-31.4621.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.09</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerSharePolicyTextBlock id="EarningsPerSharePolicyTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; EARNINGS PER COMMON SHARE:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Basic earnings per share include only the weighted average common shares outstanding. Diluted earnings per share include the weighted average common shares outstanding and any potentially dilutive common stock equivalent shares in the calculation. Treasury shares are treated as retired for earnings per share purposes. Options and warrant to purchase 103,570, 49,842, and 185,917 shares of common stock were outstanding during 2013, 2012 and 2011, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. Exercise prices of anti-dilutive options and warrant to purchase common stock outstanding were $3.05&amp;nbsp;-&amp;nbsp;$5.75, $2.80&amp;nbsp;-&amp;nbsp;$5.75, and $2.07&amp;nbsp;-&amp;nbsp;$6.10 during 2013, 2012 and 2011, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;Year ended December 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(In thousands, except per share data)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Numerator:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,193&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,039&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,537&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Preferred stock dividends and accretion of preferred stock discount&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;209&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 828&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,385&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net income available to common shareholders&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,984&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,211&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 5,152&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Denominator:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Weighted average common shares outstanding (basic)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;18,942&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 19,685&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 21,184&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Effect of stock options/warrants&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;92&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 62&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 21&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Weighted average common shares outstanding (diluted)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;19,034&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 19,747&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 21,205&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Earnings per common share:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Basic&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.26&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.21&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.24&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Diluted&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.26&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.21&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.24&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:EarningsPerSharePolicyTextBlock>
  <us-gaap:EffectiveIncomeTaxRateContinuingOperations id="EffectiveIncomeTaxRateContinuingOperations.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="pure" decimals="3">0.306</us-gaap:EffectiveIncomeTaxRateContinuingOperations>
  <us-gaap:EffectiveIncomeTaxRateContinuingOperations id="EffectiveIncomeTaxRateContinuingOperations.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="pure" decimals="3">0.308</us-gaap:EffectiveIncomeTaxRateContinuingOperations>
  <us-gaap:EffectiveIncomeTaxRateContinuingOperations id="EffectiveIncomeTaxRateContinuingOperations.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="pure" decimals="3">0.304</us-gaap:EffectiveIncomeTaxRateContinuingOperations>
  <us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate id="EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="pure" decimals="2">0.34</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
  <us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate id="EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="pure" decimals="2">0.34</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
  <us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate id="EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="pure" decimals="2">0.34</us-gaap:EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate>
  <us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments id="EffectiveIncomeTaxRateReconciliationOtherAdjustments.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="pure" decimals="3">0.014</us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments>
  <us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments id="EffectiveIncomeTaxRateReconciliationOtherAdjustments.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="pure" decimals="3">0.011</us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments>
  <us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments id="EffectiveIncomeTaxRateReconciliationOtherAdjustments.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="pure" decimals="3">-0.001</us-gaap:EffectiveIncomeTaxRateReconciliationOtherAdjustments>
  <us-gaap:EffectiveIncomeTaxRateReconciliationTaxExemptIncome id="EffectiveIncomeTaxRateReconciliationTaxExemptIncome.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="pure" decimals="3">0.048</us-gaap:EffectiveIncomeTaxRateReconciliationTaxExemptIncome>
  <us-gaap:EffectiveIncomeTaxRateReconciliationTaxExemptIncome id="EffectiveIncomeTaxRateReconciliationTaxExemptIncome.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="pure" decimals="3">0.043</us-gaap:EffectiveIncomeTaxRateReconciliationTaxExemptIncome>
  <us-gaap:EffectiveIncomeTaxRateReconciliationTaxExemptIncome id="EffectiveIncomeTaxRateReconciliationTaxExemptIncome.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="pure" decimals="3">0.035</us-gaap:EffectiveIncomeTaxRateReconciliationTaxExemptIncome>
  <us-gaap:EquipmentExpense id="EquipmentExpense.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1851000</us-gaap:EquipmentExpense>
  <us-gaap:EquipmentExpense id="EquipmentExpense.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1764000</us-gaap:EquipmentExpense>
  <us-gaap:EquipmentExpense id="EquipmentExpense.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1686000</us-gaap:EquipmentExpense>
  <us-gaap:EquityMethodInvestments id="EquityMethodInvestments.4550.3923.136.36931.4820.0.0" contextRef="as-of-2013-12-31.4550.0.3923.136.36931.4820.0.0" unitRef="USD" decimals="-3">99250000</us-gaap:EquityMethodInvestments>
  <us-gaap:EquityMethodInvestments id="EquityMethodInvestments.4551.3923.136.36931.4820.0.0" contextRef="as-of-2012-12-31.4551.0.3923.136.36931.4820.0.0" unitRef="USD" decimals="-3">99121000</us-gaap:EquityMethodInvestments>
  <us-gaap:EquityMethodInvestments id="EquityMethodInvestments.4550.3923.136.36932.4820.0.0" contextRef="as-of-2013-12-31.4550.0.3923.136.36932.4820.0.0" unitRef="USD" decimals="-3">5321000</us-gaap:EquityMethodInvestments>
  <us-gaap:EquityMethodInvestments id="EquityMethodInvestments.4551.3923.136.36932.4820.0.0" contextRef="as-of-2012-12-31.4551.0.3923.136.36932.4820.0.0" unitRef="USD" decimals="-3">5017000</us-gaap:EquityMethodInvestments>
  <us-gaap:FairValueAssetsMeasuredOnNonrecurringBasisTextBlock id="FairValueAssetsMeasuredOnNonrecurringBasisTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS&lt;br /&gt; (LEVEL 1)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SIGNIFICANT OTHER OBSERVABLE INPUTS&lt;br /&gt; (LEVEL 2)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SIGNIFICANT UNOBSERVABLE INPUTS&lt;br /&gt; (LEVEL 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Assets:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Impaired loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,253&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,253&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Other real estate owned&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,017&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,017&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS&lt;br /&gt; (LEVEL 1)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SIGNIFICANT OTHER OBSERVABLE INPUTS&lt;br /&gt; (LEVEL 2)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SIGNIFICANT UNOBSERVABLE INPUTS&lt;br /&gt; (LEVEL 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Assets:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Impaired loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,220&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,220&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Other real estate owned&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,228&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,228&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; December 31, 2013&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;Quantitative Information About Level 3 Fair Value Measurements&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Fair Value Estimate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Valuation&lt;br /&gt; Techniques&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Unobservable&lt;br /&gt; Input&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Range(Wgtd Ave)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Impaired loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,253&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Appraisal of collateral&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(1)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Appraisal adjustments&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;0% to 37%(30%)&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; Liquidation expenses&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;1% to 15%(10%)&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other real estate owned&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,017&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Appraisal of collateral&lt;sup&gt;(1),(3)&lt;/sup&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Appraisal adjustments&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;31% to 48%(38%)&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; Liquidation expenses&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;1% to 20%(10%)&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; December 31, 2012&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;Quantitative Information About Level 3 Fair Value Measurements&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Fair Value Estimate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Valuation&lt;br /&gt; Techniques&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Unobservable&lt;br /&gt; Input&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Range(Wgtd Ave)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Impaired loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,220&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Appraisal of collateral&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(1)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Appraisal adjustments&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;1% to 35%(20%)&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; Liquidation expenses&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;1% to 15%(10%)&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other real estate owned&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,228&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Appraisal of collateral&lt;sup&gt;(1),(3)&lt;/sup&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Appraisal adjustments&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;1% to 20%(15%)&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; Liquidation expenses&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;1% to 20%(10%)&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;(1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;(2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;(3)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Includes qualitative adjustments by management and estimated liquidation expenses.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FairValueAssetsMeasuredOnNonrecurringBasisTextBlock>
  <us-gaap:FairValueByBalanceSheetGroupingTextBlock id="FairValueByBalanceSheetGroupingTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;At December 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Carrying Value&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Fair Value&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;(Level 1)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;(Level 2)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;(Level 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; FINANCIAL ASSETS:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Cash and cash equivalents&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;30,066&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;30,066&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;30,066&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Investment securities&amp;nbsp;-&amp;nbsp;AFS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;141,978&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;141,978&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;141,978&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Investment securities&amp;nbsp;-&amp;nbsp;HTM&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;18,187&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;17,788&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;14,822&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,966&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Regulatory stock&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,802&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,802&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,802&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Loans held for sale&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,402&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,453&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,453&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Loans, net of allowance for loan loss and unearned income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;773,242&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;771,460&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;771,460&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Accrued interest income receivable&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,908&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,908&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,908&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Bank owned life insurance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;36,669&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;36,669&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;36,669&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; FINANCIAL LIABILITIES:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Deposits with no stated maturities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;546,384&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;546,384&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;546,384&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Deposits with stated maturities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;308,138&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;313,272&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;313,272&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Short-term borrowings&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;41,555&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;41,555&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;41,555&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; All other borrowings&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;38,085&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;40,598&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;40,598&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Accrued interest payable&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,784&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,784&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,784&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;At December 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Carrying Value&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Fair Value&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;(Level 1)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;(Level 2)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;(Level 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; FINANCIAL ASSETS:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Cash and cash equivalents&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 26,820&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 26,820&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 26,820&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Investment securities&amp;nbsp;-&amp;nbsp;AFS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 151,538&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 151,538&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 151,538&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Investment securities&amp;nbsp;-&amp;nbsp;HTM&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 13,723&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 14,266&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 11,321&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,945&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Regulatory stock&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,304&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,304&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,304&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Loans held for sale&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 10,576&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 10,722&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 10,722&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Loans, net of allowance for loan loss and unearned income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 708,594&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 716,756&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 716,756&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Accrued interest income receivable&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,960&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,960&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,960&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Bank owned life insurance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 36,214&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 36,214&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 36,214&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Fair value swap asset&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; FINANCIAL LIABILITIES:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Deposits with no stated maturities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 520,002&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 520,002&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 520,002&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Deposits with stated maturities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 315,732&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 320,930&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 320,930&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Short-term borrowings&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 15,660&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 15,660&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 15,660&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; All other borrowings&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 26,085&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 30,442&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 30,442&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Accrued interest payable&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,083&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,083&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,083&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Fair value swap liability&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FairValueByBalanceSheetGroupingTextBlock>
  <us-gaap:FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability id="FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">776000</us-gaap:FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability>
  <us-gaap:FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability id="FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">648000</us-gaap:FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability>
  <us-gaap:FairValueMeasurementInputsDisclosureTextBlock id="FairValueMeasurementInputsDisclosureTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 11.&amp;nbsp;&amp;nbsp;DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following disclosures establish a hierarchal framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined within this hierarchy are as follows:&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Level I:&amp;nbsp;&amp;nbsp;Quoted prices are available in active markets for identical assets or liabilities as of the reported date.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Level II:&amp;nbsp;&amp;nbsp;Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Level III:&amp;nbsp;&amp;nbsp;Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management&amp;#39;s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond&amp;#39;s terms and conditions, among other things.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The fair value of the swap asset is based on an external derivative valuation model using data inputs as of the valuation date and classified Level 2.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table presents the assets reported on the Consolidated Balance Sheets at their fair value as of December 31, 2013 and 2012, by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; &lt;u&gt;Assets and Liability Measured on a Recurring Basis&lt;/u&gt;&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Assets and liability measured at fair value on a recurring basis are summarized below (in thousands):&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS&lt;br /&gt; (LEVEL 1)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SIGNIFICANT OTHER OBSERVABLE INPUTS&lt;br /&gt; (LEVEL 2)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SIGNIFICANT UNOBSERVABLE INPUTS&lt;br /&gt; (LEVEL 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Assets:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; U.S. Agency securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,835&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,835&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;123,382&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;123,382&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Corporate bonds&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;11,761&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;11,761&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS&lt;br /&gt; (LEVEL 1)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SIGNIFICANT OTHER OBSERVABLE INPUTS&lt;br /&gt; (LEVEL 2)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SIGNIFICANT UNOBSERVABLE INPUTS&lt;br /&gt; (LEVEL 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Assets:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; U.S. Agency securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,911&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,911&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 137,735&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 137,735&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Corporate bonds&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,892&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,892&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Fair value of swap asset&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Fair value of swap liability&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Loans considered impaired are loans for which, based on current information and events, it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Impaired loans are reported at fair value of the underlying collateral if the repayment is expected solely from the collateral. Collateral values are estimated using Level 3 inputs based on observable market data which at times are discounted. At December 31, 2013, impaired loans with a carrying value of $3.1 million were reduced by specific valuation allowance totaling $813,000 resulting in a net fair value of $2.3 million. At December 31, 2012, impaired loans with a carrying value of $4.8 million were reduced by specific valuation allowance totaling $1.6 million resulting in a net fair value of $3.2 million.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; OREO is measured at fair value based on appraisals, less cost to sell at the date of foreclosure. Valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value, less cost to sell. Income and expenses from operations and changes in valuation allowance are included in the net expenses from OREO.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; &lt;u&gt;Assets Measured on a Non-recurring Basis&lt;/u&gt;&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Assets measured at fair value on a non-recurring basis are summarized below (in thousands):&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS&lt;br /&gt; (LEVEL 1)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SIGNIFICANT OTHER OBSERVABLE INPUTS&lt;br /&gt; (LEVEL 2)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SIGNIFICANT UNOBSERVABLE INPUTS&lt;br /&gt; (LEVEL 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Assets:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Impaired loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,253&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,253&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Other real estate owned&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,017&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,017&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS&lt;br /&gt; (LEVEL 1)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SIGNIFICANT OTHER OBSERVABLE INPUTS&lt;br /&gt; (LEVEL 2)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SIGNIFICANT UNOBSERVABLE INPUTS&lt;br /&gt; (LEVEL 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Assets:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Impaired loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,220&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,220&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Other real estate owned&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,228&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,228&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; December 31, 2013&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;Quantitative Information About Level 3 Fair Value Measurements&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Fair Value Estimate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Valuation&lt;br /&gt; Techniques&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Unobservable&lt;br /&gt; Input&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Range(Wgtd Ave)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Impaired loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,253&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Appraisal of collateral&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(1)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Appraisal adjustments&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;0% to 37%(30%)&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; Liquidation expenses&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;1% to 15%(10%)&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other real estate owned&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,017&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Appraisal of collateral&lt;sup&gt;(1),(3)&lt;/sup&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Appraisal adjustments&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;31% to 48%(38%)&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; Liquidation expenses&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;1% to 20%(10%)&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; December 31, 2012&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;Quantitative Information About Level 3 Fair Value Measurements&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Fair Value Estimate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Valuation&lt;br /&gt; Techniques&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Unobservable&lt;br /&gt; Input&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Range(Wgtd Ave)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Impaired loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,220&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Appraisal of collateral&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(1)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Appraisal adjustments&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;1% to 35%(20%)&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; Liquidation expenses&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;1% to 15%(10%)&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other real estate owned&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,228&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Appraisal of collateral&lt;sup&gt;(1),(3)&lt;/sup&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Appraisal adjustments&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;1% to 20%(15%)&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; Liquidation expenses&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;sup&gt;(2)&lt;/sup&gt;&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;1% to 20%(10%)&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;(1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;(2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;(3)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Includes qualitative adjustments by management and estimated liquidation expenses.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FairValueMeasurementInputsDisclosureTextBlock>
  <us-gaap:FairValueTransferPolicyPolicyTextBlock id="FairValueTransferPolicyPolicyTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; TRANSFERS OF FINANCIAL ASSETS&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company; (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets; and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FairValueTransferPolicyPolicyTextBlock>
  <us-gaap:FederalDepositInsuranceCorporationPremiumExpense id="FederalDepositInsuranceCorporationPremiumExpense.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">611000</us-gaap:FederalDepositInsuranceCorporationPremiumExpense>
  <us-gaap:FederalDepositInsuranceCorporationPremiumExpense id="FederalDepositInsuranceCorporationPremiumExpense.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">441000</us-gaap:FederalDepositInsuranceCorporationPremiumExpense>
  <us-gaap:FederalDepositInsuranceCorporationPremiumExpense id="FederalDepositInsuranceCorporationPremiumExpense.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1338000</us-gaap:FederalDepositInsuranceCorporationPremiumExpense>
  <us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd id="FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0049</us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd>
  <us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd id="FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0047</us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd>
  <us-gaap:FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate id="FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0089</us-gaap:FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate>
  <us-gaap:FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate id="FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0073</us-gaap:FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate>
  <us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds id="FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">318000000</us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds>
  <us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable id="FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">81000000</us-gaap:FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable>
  <us-gaap:FederalHomeLoanBankAdvancesLongTerm id="FederalHomeLoanBankAdvancesLongTerm.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">25000000</us-gaap:FederalHomeLoanBankAdvancesLongTerm>
  <us-gaap:FederalHomeLoanBankAdvancesLongTerm id="FederalHomeLoanBankAdvancesLongTerm.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">13000000</us-gaap:FederalHomeLoanBankAdvancesLongTerm>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate id="FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0147</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate id="FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0107</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate id="FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0092</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate id="FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0081</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate id="FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0074</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate id="FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0052</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate id="FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0052</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate id="FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate id="FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">7000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate id="FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate id="FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">12000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate id="FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">5000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate id="FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate>
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate id="FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate>
  <us-gaap:FederalHomeLoanBankAdvancesShortTerm id="FederalHomeLoanBankAdvancesShortTerm.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">41555000</us-gaap:FederalHomeLoanBankAdvancesShortTerm>
  <us-gaap:FederalHomeLoanBankAdvancesShortTerm id="FederalHomeLoanBankAdvancesShortTerm.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">15660000</us-gaap:FederalHomeLoanBankAdvancesShortTerm>
  <us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure id="FederalHomeLoanBankBorrowingsFairValueDisclosure.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">41555000</us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure>
  <us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure id="FederalHomeLoanBankBorrowingsFairValueDisclosure.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">15660000</us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure>
  <us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure id="FederalHomeLoanBankBorrowingsFairValueDisclosure.4550.2138.1998.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2138.1998.0.0.0.0" unitRef="USD" decimals="-3">41555000</us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure>
  <us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure id="FederalHomeLoanBankBorrowingsFairValueDisclosure.4551.2138.1998.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2138.1998.0.0.0.0" unitRef="USD" decimals="-3">15660000</us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure>
  <us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure id="FederalHomeLoanBankBorrowingsFairValueDisclosure.4550.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure id="FederalHomeLoanBankBorrowingsFairValueDisclosure.4551.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure id="FederalHomeLoanBankBorrowingsFairValueDisclosure.4550.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FederalHomeLoanBankBorrowingsFairValueDisclosure id="FederalHomeLoanBankBorrowingsFairValueDisclosure.4551.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FederalHomeLoanBankStock id="FederalHomeLoanBankStock.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4677000</us-gaap:FederalHomeLoanBankStock>
  <us-gaap:FederalHomeLoanBankStock id="FederalHomeLoanBankStock.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4179000</us-gaap:FederalHomeLoanBankStock>
  <us-gaap:FederalHomeLoanBankStockAndFederalReserveBankStock id="FederalHomeLoanBankStockAndFederalReserveBankStock.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6802000</us-gaap:FederalHomeLoanBankStockAndFederalReserveBankStock>
  <us-gaap:FederalHomeLoanBankStockAndFederalReserveBankStock id="FederalHomeLoanBankStockAndFederalReserveBankStock.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6304000</us-gaap:FederalHomeLoanBankStockAndFederalReserveBankStock>
  <us-gaap:FederalReserveBankStock id="FederalReserveBankStock.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2125000</us-gaap:FederalReserveBankStock>
  <us-gaap:FederalReserveBankStock id="FederalReserveBankStock.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2125000</us-gaap:FederalReserveBankStock>
  <us-gaap:FeesAndCommissionsDepositorAccounts id="FeesAndCommissionsDepositorAccounts.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2173000</us-gaap:FeesAndCommissionsDepositorAccounts>
  <us-gaap:FeesAndCommissionsDepositorAccounts id="FeesAndCommissionsDepositorAccounts.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2195000</us-gaap:FeesAndCommissionsDepositorAccounts>
  <us-gaap:FeesAndCommissionsDepositorAccounts id="FeesAndCommissionsDepositorAccounts.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2241000</us-gaap:FeesAndCommissionsDepositorAccounts>
  <us-gaap:FeesAndCommissionsFiduciaryAndTrustActivities id="FeesAndCommissionsFiduciaryAndTrustActivities.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6917000</us-gaap:FeesAndCommissionsFiduciaryAndTrustActivities>
  <us-gaap:FeesAndCommissionsFiduciaryAndTrustActivities id="FeesAndCommissionsFiduciaryAndTrustActivities.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6527000</us-gaap:FeesAndCommissionsFiduciaryAndTrustActivities>
  <us-gaap:FeesAndCommissionsFiduciaryAndTrustActivities id="FeesAndCommissionsFiduciaryAndTrustActivities.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6173000</us-gaap:FeesAndCommissionsFiduciaryAndTrustActivities>
  <us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy id="FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; As a financial institution, which assumes lending and credit risks as a principal element of its business, the Company anticipates that credit losses will be experienced in the normal course of business. Accordingly, the Company consistently applies a comprehensive methodology and procedural discipline to perform an analysis which is updated on a quarterly basis at the Bank level to determine both the adequacy of the allowance for loan losses and the necessary provision for loan losses to be charged against earnings. This methodology includes:&lt;/p&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Review of all criticized, classified and impaired loans with aggregate balances over $250,000 to determine if any specific reserve allocations are required on an individual loan basis. The specific reserve allocations established for these criticized, classified and impaired loans are based on careful analysis of the loan&amp;#39;s performance, the related collateral value, cash flow considerations and the financial capability of any guarantor. All loans classified as doubtful or worse are specifically reserved. For impaired loans the measurement of impairment may be based upon: 1) the present value of expected future cash flows discounted at the loan&amp;#39;s effective interest rate; 2) the observable market price of the impaired loan; or 3) the fair value of the collateral of a collateral dependent loan.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;The application of formula driven reserve allocations for all commercial and commercial real-estate loans by using a three-year migration analysis of net losses incurred within each risk grade for the entire commercial loan portfolio. The difference between estimated and actual losses is reconciled through the nature of the migration analysis.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;The application of formula driven reserve allocations to consumer and residential mortgage loans which are based upon historical net charge-off experience for those loan types. The residential mortgage loan and consumer loan allocations are based upon the Company&amp;#39;s three-year historical average of actual loan net charge-offs experienced in each of those categories.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;The application of formula driven reserve allocations to all outstanding loans is based upon review of historical losses and qualitative factors, which include but are not limited to, economic trends, delinquencies, levels of non-accrual and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies and trends in policy, financial information and documentation exceptions.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Management recognizes that there may be events or economic factors that have occurred affecting specific borrowers or segments of borrowers that may not yet be fully reflected in the information that the Company uses for arriving at reserves for a specific loan or portfolio segment. Therefore, the Company believes that there is estimation risk associated with the use of specific and formula driven allowances.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; After completion of this process, a formal meeting of the Loan Loss Reserve Committee is held to evaluate the adequacy of the reserve.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; When it is determined that the prospects for recovery of the principal of a loan have significantly diminished, the loan is charged against the allowance account; subsequent recoveries, if any, are credited to the allowance account. In addition, non-accrual and large delinquent loans are reviewed monthly to determine potential losses.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company&amp;#39;s policy is to individually review, as circumstances warrant, its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. The Company defines classified loans as those loans rated substandard or doubtful. The Company has also identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances of $250,000 or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and evaluated for specific impairment if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy>
  <us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy id="FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; LOANS:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Interest income is recognized using the level yield method related to principal amounts outstanding. The Company discontinues the accrual of interest income when loans become 90 days past due in either principal or interest. In addition, if circumstances warrant, the accrual of interest may be discontinued prior to 90 days. Payments received on non-accrual loans are credited to principal until full recovery of principal has been recognized; or the loan has been returned to accrual status. The only exception to this policy is for residential mortgage loans wherein interest income is recognized on a cash basis as payments are received. A non-accrual commercial loan is placed on accrual status after becoming current and remaining current for twelve consecutive payments. Residential mortgage loans are placed on accrual status upon becoming current.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy>
  <us-gaap:FinanceLoanAndLeaseReceivablesHeldForSalePolicy id="FinanceLoanAndLeaseReceivablesHeldForSalePolicy.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; LOANS HELD FOR SALE:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management&amp;#39;s intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FinanceLoanAndLeaseReceivablesHeldForSalePolicy>
  <us-gaap:FinancialInstrumentsDisclosureTextBlock id="FinancialInstrumentsDisclosureTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 12.&amp;nbsp;&amp;nbsp;DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; For the Company, as for most financial institutions, approximately 90% of its assets and liabilities are considered financial instruments. Many of the Company&amp;#39;s financial instruments, however, lack an available trading market characterized by a willing buyer and willing seller engaging in an exchange transaction. Therefore, significant estimates and present value calculations were used by the Company for the purpose of this disclosure.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Fair values have been determined by the Company using independent third party valuations that uses best available data (Level 2) and an estimation methodology (Level 3) the Company believes is suitable for each category of financial instruments. Management believes that cash and cash equivalents, and loans and deposits with floating interest rates have estimated fair values which approximate the recorded carrying values. The estimation methodologies used, the estimated fair values based on US GAAP measurements, and recorded carrying values at December 31, 2013 and 2012, were as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;At December 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Carrying Value&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Fair Value&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;(Level 1)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;(Level 2)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;(Level 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; FINANCIAL ASSETS:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Cash and cash equivalents&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;30,066&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;30,066&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;30,066&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Investment securities&amp;nbsp;-&amp;nbsp;AFS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;141,978&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;141,978&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;141,978&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Investment securities&amp;nbsp;-&amp;nbsp;HTM&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;18,187&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;17,788&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;14,822&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,966&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Regulatory stock&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,802&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,802&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,802&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Loans held for sale&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,402&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,453&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,453&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Loans, net of allowance for loan loss and unearned income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;773,242&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;771,460&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;771,460&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Accrued interest income receivable&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,908&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,908&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,908&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Bank owned life insurance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;36,669&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;36,669&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;36,669&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; FINANCIAL LIABILITIES:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Deposits with no stated maturities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;546,384&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;546,384&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;546,384&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Deposits with stated maturities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;308,138&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;313,272&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;313,272&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Short-term borrowings&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;41,555&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;41,555&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;41,555&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; All other borrowings&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;38,085&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;40,598&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;40,598&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Accrued interest payable&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,784&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,784&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,784&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;At December 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Carrying Value&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Fair Value&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;(Level 1)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;(Level 2)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;(Level 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; FINANCIAL ASSETS:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Cash and cash equivalents&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 26,820&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 26,820&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 26,820&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Investment securities&amp;nbsp;-&amp;nbsp;AFS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 151,538&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 151,538&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 151,538&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Investment securities&amp;nbsp;-&amp;nbsp;HTM&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 13,723&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 14,266&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 11,321&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,945&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Regulatory stock&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,304&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,304&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,304&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Loans held for sale&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 10,576&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 10,722&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 10,722&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Loans, net of allowance for loan loss and unearned income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 708,594&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 716,756&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 716,756&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Accrued interest income receivable&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,960&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,960&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,960&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Bank owned life insurance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 36,214&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 36,214&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 36,214&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Fair value swap asset&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; FINANCIAL LIABILITIES:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Deposits with no stated maturities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 520,002&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 520,002&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 520,002&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Deposits with stated maturities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 315,732&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 320,930&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 320,930&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Short-term borrowings&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 15,660&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 15,660&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 15,660&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; All other borrowings&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 26,085&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 30,442&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 30,442&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Accrued interest payable&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,083&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,083&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,083&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Fair value swap liability&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The fair value of cash and cash equivalents, regulatory stock, accrued interest income receivable, short-term borrowings, and accrued interest payable are equal to the current carrying value.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The fair value of investment securities is equal to the available quoted market price for similar securities. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the US Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond&amp;#39;s terms and conditions, among other things. The Level 3 securities are valued by discounted cash flows using the US Treasury rate for the remaining term of the securities.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Loans held for sale are priced individually at market rates on the day that the loan is locked for commitment with an investor. All loans in the held for sale account conform to Fannie Mae underwriting guidelines, with the specific intent of the loan being purchased by an investor at the predetermined rate structure. Loans in the held for sale account have specific delivery dates that must be executed to protect the pricing commitment (typically a 30, 45, or 60 day lock period).&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The net loan portfolio has been valued using a present value discounted cash flow. The discount rate used in these calculations is based upon the treasury yield curve adjusted for non-interest operating costs, credit loss, current market prices and assumed prepayment risk.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The fair value of bank owned life insurance is based upon the cash surrender value of the underlying policies and matches the book value.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Deposits with stated maturities have been valued using a present value discounted cash flow with a discount rate approximating current market for similar assets and liabilities. Deposits with no stated maturities have an estimated fair value equal to both the amount payable on demand and the recorded book balance.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The fair value of all other borrowings is based on the discounted value of contractual cash flows. The discount rates are estimated using rates currently offered for similar instruments with similar remaining maturities.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The fair values of the swaps used for interest rate risk management represents the amount the Company would have expected to receive or pay to terminate such agreements.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Commitments to extend credit and standby letters of credit are financial instruments generally not subject to sale, and fair values are not readily available. The carrying value, represented by the net deferred fee arising from the unrecognized commitment, and the fair value, determined by discounting the remaining contractual fee over the term of the commitment using fees currently charged to enter into similar agreements with similar credit risk, are not considered material for disclosure. The contractual amounts of unfunded commitments are presented in Note 16.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Changes in assumptions or estimation methodologies may have a material effect on these estimated fair values. The Company&amp;#39;s remaining assets and liabilities which are not considered financial instruments have not been valued differently than has been customary under historical cost accounting.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FinancialInstrumentsDisclosureTextBlock>
  <us-gaap:FinancialInstrumentsOwnedOtherAtFairValue id="FinancialInstrumentsOwnedOtherAtFairValue.4550.2056.1988.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2056.1988.0.0.0.0" unitRef="USD" decimals="-3">1017000</us-gaap:FinancialInstrumentsOwnedOtherAtFairValue>
  <us-gaap:FinancialInstrumentsOwnedOtherAtFairValue id="FinancialInstrumentsOwnedOtherAtFairValue.4551.2056.1988.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2056.1988.0.0.0.0" unitRef="USD" decimals="-3">1228000</us-gaap:FinancialInstrumentsOwnedOtherAtFairValue>
  <us-gaap:FinancialInstrumentsOwnedOtherAtFairValue id="FinancialInstrumentsOwnedOtherAtFairValue.4550.2129.1998.2056.1988.0.0" contextRef="as-of-2013-12-31.4550.0.2129.1998.2056.1988.0.0" unitRef="USD" decimals="-3">1017000</us-gaap:FinancialInstrumentsOwnedOtherAtFairValue>
  <us-gaap:FinancialInstrumentsOwnedOtherAtFairValue id="FinancialInstrumentsOwnedOtherAtFairValue.4551.2129.1998.2056.1988.0.0" contextRef="as-of-2012-12-31.4551.0.2129.1998.2056.1988.0.0" unitRef="USD" decimals="-3">1228000</us-gaap:FinancialInstrumentsOwnedOtherAtFairValue>
  <us-gaap:FinancialInstrumentsOwnedOtherAtFairValue id="FinancialInstrumentsOwnedOtherAtFairValue.4550.2138.1998.2056.1988.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2138.1998.2056.1988.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancialInstrumentsOwnedOtherAtFairValue id="FinancialInstrumentsOwnedOtherAtFairValue.4551.2138.1998.2056.1988.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2138.1998.2056.1988.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancialInstrumentsOwnedOtherAtFairValue id="FinancialInstrumentsOwnedOtherAtFairValue.4550.2139.1998.2056.1988.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2139.1998.2056.1988.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancialInstrumentsOwnedOtherAtFairValue id="FinancialInstrumentsOwnedOtherAtFairValue.4551.2139.1998.2056.1988.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2139.1998.2056.1988.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10104000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">12571000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4552.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">14623000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4553.0.0.0.0.0.0" contextRef="as-of-2010-12-31.4553.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">19765000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4550.1070.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">2844000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4551.1070.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">2596000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4552.1070.2295.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">2365000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4553.1070.2295.0.0.0.0" contextRef="as-of-2010-12-31.4553.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">3851000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4550.1077.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">4885000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4551.1077.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">7796000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4552.1077.2295.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">9400000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4553.1077.2295.0.0.0.0" contextRef="as-of-2010-12-31.4553.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">12717000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4550.3405.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">1260000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4551.3405.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">1269000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4552.3405.2295.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">1270000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4553.3405.2295.0.0.0.0" contextRef="as-of-2010-12-31.4553.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">1117000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4550.1175.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">136000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4551.1175.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">150000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4552.1175.2295.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">174000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4553.1175.2295.0.0.0.0" contextRef="as-of-2010-12-31.4553.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">206000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4550.36763.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36763.2295.0.0.0.0" unitRef="USD" decimals="-3">979000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4551.36763.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36763.2295.0.0.0.0" unitRef="USD" decimals="-3">760000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4552.36763.2295.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.36763.2295.0.0.0.0" unitRef="USD" decimals="-3">1414000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLosses id="FinancingReceivableAllowanceForCreditLosses.4553.36763.2295.0.0.0.0" contextRef="as-of-2010-12-31.4553.0.36763.2295.0.0.0.0" unitRef="USD" decimals="-3">1874000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.4550.1070.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">2844000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.4551.1070.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">2596000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.4550.1077.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">4073000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.4551.1077.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">6210000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.4550.3405.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">1260000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.4551.3405.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">1269000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.4550.1175.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">135000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.4551.1175.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">150000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">9291000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10985000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.4550.36763.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36763.2295.0.0.0.0" unitRef="USD" decimals="-3">979000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment id="FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.4551.36763.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36763.2295.0.0.0.0" unitRef="USD" decimals="-3">760000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1 id="FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.4550.1070.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1070.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1 id="FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.4551.1070.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.1070.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1 id="FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.4550.1077.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">812000</us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1 id="FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.4551.1077.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">1586000</us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1 id="FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.4550.3405.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.3405.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1 id="FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.4551.3405.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.3405.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1 id="FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.4550.1175.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">1000</us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1 id="FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.4551.1175.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.1175.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1 id="FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">813000</us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1 id="FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1586000</us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1 id="FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.4550.36763.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.36763.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1 id="FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.4551.36763.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.36763.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery id="FinancingReceivableAllowanceForCreditLossesRecovery.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">753000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery id="FinancingReceivableAllowanceForCreditLossesRecovery.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">484000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery id="FinancingReceivableAllowanceForCreditLossesRecovery.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1374000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery id="FinancingReceivableAllowanceForCreditLossesRecovery.4554.1070.2295.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">80000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery id="FinancingReceivableAllowanceForCreditLossesRecovery.4555.1070.2295.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">138000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery id="FinancingReceivableAllowanceForCreditLossesRecovery.4556.1070.2295.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">831000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery id="FinancingReceivableAllowanceForCreditLossesRecovery.4554.1077.2295.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">481000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery id="FinancingReceivableAllowanceForCreditLossesRecovery.4555.1077.2295.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">245000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery id="FinancingReceivableAllowanceForCreditLossesRecovery.4556.1077.2295.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">331000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery id="FinancingReceivableAllowanceForCreditLossesRecovery.4554.3405.2295.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">122000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery id="FinancingReceivableAllowanceForCreditLossesRecovery.4555.3405.2295.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">54000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery id="FinancingReceivableAllowanceForCreditLossesRecovery.4556.3405.2295.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">53000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery id="FinancingReceivableAllowanceForCreditLossesRecovery.4554.1175.2295.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">70000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery id="FinancingReceivableAllowanceForCreditLossesRecovery.4555.1175.2295.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">47000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery id="FinancingReceivableAllowanceForCreditLossesRecovery.4556.1175.2295.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">159000</us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery id="FinancingReceivableAllowanceForCreditLossesRecovery.4554.36763.2295.0.0.0.0" xsi:nil="true" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36763.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery id="FinancingReceivableAllowanceForCreditLossesRecovery.4555.36763.2295.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36763.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableAllowanceForCreditLossesRecovery id="FinancingReceivableAllowanceForCreditLossesRecovery.4556.36763.2295.0.0.0.0" xsi:nil="true" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36763.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs id="FinancingReceivableAllowanceForCreditLossesWriteOffs.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2120000</us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs id="FinancingReceivableAllowanceForCreditLossesWriteOffs.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1761000</us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs id="FinancingReceivableAllowanceForCreditLossesWriteOffs.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2941000</us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs id="FinancingReceivableAllowanceForCreditLossesWriteOffs.4554.1070.2295.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">50000</us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs id="FinancingReceivableAllowanceForCreditLossesWriteOffs.4555.1070.2295.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">345000</us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs id="FinancingReceivableAllowanceForCreditLossesWriteOffs.4556.1070.2295.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">953000</us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs id="FinancingReceivableAllowanceForCreditLossesWriteOffs.4554.1077.2295.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">1777000</us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs id="FinancingReceivableAllowanceForCreditLossesWriteOffs.4555.1077.2295.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">796000</us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs id="FinancingReceivableAllowanceForCreditLossesWriteOffs.4556.1077.2295.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">1700000</us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs id="FinancingReceivableAllowanceForCreditLossesWriteOffs.4554.3405.2295.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">139000</us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs id="FinancingReceivableAllowanceForCreditLossesWriteOffs.4555.3405.2295.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">420000</us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs id="FinancingReceivableAllowanceForCreditLossesWriteOffs.4556.3405.2295.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">85000</us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs id="FinancingReceivableAllowanceForCreditLossesWriteOffs.4554.1175.2295.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">154000</us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs id="FinancingReceivableAllowanceForCreditLossesWriteOffs.4555.1175.2295.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">200000</us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs id="FinancingReceivableAllowanceForCreditLossesWriteOffs.4556.1175.2295.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">203000</us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs>
  <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs id="FinancingReceivableAllowanceForCreditLossesWriteOffs.4554.36763.2295.0.0.0.0" xsi:nil="true" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36763.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs id="FinancingReceivableAllowanceForCreditLossesWriteOffs.4555.36763.2295.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36763.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs id="FinancingReceivableAllowanceForCreditLossesWriteOffs.4556.36763.2295.0.0.0.0" xsi:nil="true" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36763.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment id="FinancingReceivableCollectivelyEvaluatedForImpairment.4550.1070.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">120102000</us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment id="FinancingReceivableCollectivelyEvaluatedForImpairment.4551.1070.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">102822000</us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment id="FinancingReceivableCollectivelyEvaluatedForImpairment.4550.1077.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">408686000</us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment id="FinancingReceivableCollectivelyEvaluatedForImpairment.4551.1077.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">378546000</us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment id="FinancingReceivableCollectivelyEvaluatedForImpairment.4550.3405.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">235689000</us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment id="FinancingReceivableCollectivelyEvaluatedForImpairment.4551.3405.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">217584000</us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment id="FinancingReceivableCollectivelyEvaluatedForImpairment.4550.1175.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">15803000</us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment id="FinancingReceivableCollectivelyEvaluatedForImpairment.4551.1175.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">17407000</us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment id="FinancingReceivableCollectivelyEvaluatedForImpairment.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">780280000</us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment id="FinancingReceivableCollectivelyEvaluatedForImpairment.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">716359000</us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock id="FinancingReceivableCreditQualityIndicatorsTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;December 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;PASS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SPECIAL MENTION&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SUBSTANDARD&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;DOUBTFUL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;108,623&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,880&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,599&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;120,102&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;396,788&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,961&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;7,482&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;460&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;411,691&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;505,411&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,841&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,081&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;460&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;531,793&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;December 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;PASS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SPECIAL MENTION&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SUBSTANDARD&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;DOUBTFUL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 99,886&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;28&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,908&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 102,822&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 343,885&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 20,836&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 17,010&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,608&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 383,339&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 443,771&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 20,864&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 19,918&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,608&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 486,161&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock>
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment id="FinancingReceivableIndividuallyEvaluatedForImpairment.4550.1070.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1070.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment id="FinancingReceivableIndividuallyEvaluatedForImpairment.4551.1070.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.1070.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment id="FinancingReceivableIndividuallyEvaluatedForImpairment.4550.1077.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">3005000</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment id="FinancingReceivableIndividuallyEvaluatedForImpairment.4551.1077.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">4793000</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment id="FinancingReceivableIndividuallyEvaluatedForImpairment.4550.3405.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.3405.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment id="FinancingReceivableIndividuallyEvaluatedForImpairment.4551.3405.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.3405.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment id="FinancingReceivableIndividuallyEvaluatedForImpairment.4550.1175.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">61000</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment id="FinancingReceivableIndividuallyEvaluatedForImpairment.4551.1175.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">13000</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment id="FinancingReceivableIndividuallyEvaluatedForImpairment.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3066000</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment id="FinancingReceivableIndividuallyEvaluatedForImpairment.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4806000</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
  <us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1 id="FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.4554.36832.36805.1077.2302.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36832.36805.1077.2302.0.0">Extension of maturity date</us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1>
  <us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1 id="FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.4555.36832.36805.1077.2302.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36832.36805.1077.2302.0.0">Extension of maturity date</us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1>
  <us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1 id="FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.4556.36832.36805.1077.2302.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36832.36805.1077.2302.0.0">Extension of maturity date</us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1>
  <us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1 id="FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.4554.36832.36805.1175.2302.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36832.36805.1175.2302.0.0">Extension of maturity date</us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1>
  <us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1 id="FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.4555.36832.36805.1175.2302.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36832.36805.1175.2302.0.0">Extension of maturity date</us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1>
  <us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1 id="FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.4554.36833.36805.1077.2302.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36833.36805.1077.2302.0.0">Extension of maturity date</us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1>
  <us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1 id="FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.4555.36833.36805.1077.2302.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36833.36805.1077.2302.0.0">Extension of maturity date</us-gaap:FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="FinancingReceivableModificationsNumberOfContracts2.4554.36832.36805.1077.2302.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36832.36805.1077.2302.0.0" unitRef="pure" decimals="0">2</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="FinancingReceivableModificationsNumberOfContracts2.4555.36832.36805.1077.2302.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36832.36805.1077.2302.0.0" unitRef="pure" decimals="0">2</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="FinancingReceivableModificationsNumberOfContracts2.4556.36832.36805.1077.2302.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36832.36805.1077.2302.0.0" unitRef="pure" decimals="0">5</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="FinancingReceivableModificationsNumberOfContracts2.4554.36832.36805.1175.2302.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36832.36805.1175.2302.0.0" unitRef="pure" decimals="0">2</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="FinancingReceivableModificationsNumberOfContracts2.4555.36832.36805.1175.2302.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36832.36805.1175.2302.0.0" unitRef="pure" decimals="0">1</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="FinancingReceivableModificationsNumberOfContracts2.4554.36833.36805.1077.2302.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36833.36805.1077.2302.0.0" unitRef="pure" decimals="0">2</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsNumberOfContracts2 id="FinancingReceivableModificationsNumberOfContracts2.4555.36833.36805.1077.2302.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36833.36805.1077.2302.0.0" unitRef="pure" decimals="0">4</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="FinancingReceivableModificationsPostModificationRecordedInvestment2.4554.36832.36805.1077.2302.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36832.36805.1077.2302.0.0" unitRef="USD" decimals="-3">161000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="FinancingReceivableModificationsPostModificationRecordedInvestment2.4555.36832.36805.1077.2302.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36832.36805.1077.2302.0.0" unitRef="USD" decimals="-3">169000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="FinancingReceivableModificationsPostModificationRecordedInvestment2.4556.36832.36805.1077.2302.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36832.36805.1077.2302.0.0" unitRef="USD" decimals="-3">2870000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="FinancingReceivableModificationsPostModificationRecordedInvestment2.4554.36832.36805.1175.2302.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36832.36805.1175.2302.0.0" unitRef="USD" decimals="-3">61000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="FinancingReceivableModificationsPostModificationRecordedInvestment2.4555.36832.36805.1175.2302.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36832.36805.1175.2302.0.0" unitRef="USD" decimals="-3">13000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="FinancingReceivableModificationsPostModificationRecordedInvestment2.4554.36833.36805.1077.2302.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36833.36805.1077.2302.0.0" unitRef="USD" decimals="-3">1250000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 id="FinancingReceivableModificationsPostModificationRecordedInvestment2.4555.36833.36805.1077.2302.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36833.36805.1077.2302.0.0" unitRef="USD" decimals="-3">3772000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue id="FinancingReceivableRecordedInvestment30To59DaysPastDue.4550.1070.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1070.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue id="FinancingReceivableRecordedInvestment30To59DaysPastDue.4551.1070.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.1070.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue id="FinancingReceivableRecordedInvestment30To59DaysPastDue.4550.1077.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">457000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue id="FinancingReceivableRecordedInvestment30To59DaysPastDue.4551.1077.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.1077.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue id="FinancingReceivableRecordedInvestment30To59DaysPastDue.4550.3405.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">2232000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue id="FinancingReceivableRecordedInvestment30To59DaysPastDue.4551.3405.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">3240000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue id="FinancingReceivableRecordedInvestment30To59DaysPastDue.4550.1175.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">33000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue id="FinancingReceivableRecordedInvestment30To59DaysPastDue.4551.1175.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">16000</us-gaap:FinancingReceivableRecordedInvestment30To59DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue id="FinancingReceivableRecordedInvestment60To89DaysPastDue.4550.1070.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1070.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue id="FinancingReceivableRecordedInvestment60To89DaysPastDue.4551.1070.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">47000</us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue id="FinancingReceivableRecordedInvestment60To89DaysPastDue.4550.1077.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1077.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue id="FinancingReceivableRecordedInvestment60To89DaysPastDue.4551.1077.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">2545000</us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue id="FinancingReceivableRecordedInvestment60To89DaysPastDue.4550.3405.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">670000</us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue id="FinancingReceivableRecordedInvestment60To89DaysPastDue.4551.3405.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">303000</us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue id="FinancingReceivableRecordedInvestment60To89DaysPastDue.4550.1175.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">27000</us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue id="FinancingReceivableRecordedInvestment60To89DaysPastDue.4551.1175.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">33000</us-gaap:FinancingReceivableRecordedInvestment60To89DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing id="FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.4550.1070.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1070.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing id="FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.4551.1070.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.1070.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing id="FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.4550.1077.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1077.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing id="FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.4551.1077.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.1077.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing id="FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.4550.3405.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.3405.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing id="FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.4551.3405.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.3405.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing id="FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.4550.1175.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1175.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing id="FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.4551.1175.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.1175.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableRecordedInvestmentCurrent id="FinancingReceivableRecordedInvestmentCurrent.4550.1070.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">120102000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
  <us-gaap:FinancingReceivableRecordedInvestmentCurrent id="FinancingReceivableRecordedInvestmentCurrent.4551.1070.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">102775000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
  <us-gaap:FinancingReceivableRecordedInvestmentCurrent id="FinancingReceivableRecordedInvestmentCurrent.4550.1077.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">410619000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
  <us-gaap:FinancingReceivableRecordedInvestmentCurrent id="FinancingReceivableRecordedInvestmentCurrent.4551.1077.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">379834000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
  <us-gaap:FinancingReceivableRecordedInvestmentCurrent id="FinancingReceivableRecordedInvestmentCurrent.4550.3405.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">231740000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
  <us-gaap:FinancingReceivableRecordedInvestmentCurrent id="FinancingReceivableRecordedInvestmentCurrent.4551.3405.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">213300000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
  <us-gaap:FinancingReceivableRecordedInvestmentCurrent id="FinancingReceivableRecordedInvestmentCurrent.4550.1175.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">15804000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
  <us-gaap:FinancingReceivableRecordedInvestmentCurrent id="FinancingReceivableRecordedInvestmentCurrent.4551.1175.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">17371000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
  <us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue id="FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.4550.1070.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1070.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue id="FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.4551.1070.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.1070.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue id="FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.4550.1077.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">615000</us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue id="FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.4551.1077.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">960000</us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue id="FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.4550.3405.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">1047000</us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue id="FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.4551.3405.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">741000</us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue id="FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.4550.1175.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1175.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue id="FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.4551.1175.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.1175.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableRecordedInvestmentPastDue id="FinancingReceivableRecordedInvestmentPastDue.4550.1070.2295.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1070.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:FinancingReceivableRecordedInvestmentPastDue id="FinancingReceivableRecordedInvestmentPastDue.4551.1070.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">47000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentPastDue id="FinancingReceivableRecordedInvestmentPastDue.4550.1077.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">1072000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentPastDue id="FinancingReceivableRecordedInvestmentPastDue.4551.1077.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">3505000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentPastDue id="FinancingReceivableRecordedInvestmentPastDue.4550.3405.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">3949000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentPastDue id="FinancingReceivableRecordedInvestmentPastDue.4551.3405.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">4284000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentPastDue id="FinancingReceivableRecordedInvestmentPastDue.4550.1175.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">60000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
  <us-gaap:FinancingReceivableRecordedInvestmentPastDue id="FinancingReceivableRecordedInvestmentPastDue.4551.1175.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">49000</us-gaap:FinancingReceivableRecordedInvestmentPastDue>
  <us-gaap:GainLossOnSaleOfInvestments id="GainLossOnSaleOfInvestments.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">204000</us-gaap:GainLossOnSaleOfInvestments>
  <us-gaap:GainLossOnSaleOfInvestments id="GainLossOnSaleOfInvestments.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">12000</us-gaap:GainLossOnSaleOfInvestments>
  <us-gaap:GainLossOnSaleOfInvestments id="GainLossOnSaleOfInvestments.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-358000</us-gaap:GainLossOnSaleOfInvestments>
  <us-gaap:GainLossOnSaleOfLoansAndLeases id="GainLossOnSaleOfLoansAndLeases.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1089000</us-gaap:GainLossOnSaleOfLoansAndLeases>
  <us-gaap:GainLossOnSaleOfLoansAndLeases id="GainLossOnSaleOfLoansAndLeases.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1132000</us-gaap:GainLossOnSaleOfLoansAndLeases>
  <us-gaap:GainLossOnSaleOfLoansAndLeases id="GainLossOnSaleOfLoansAndLeases.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">812000</us-gaap:GainLossOnSaleOfLoansAndLeases>
  <us-gaap:GainLossOnSaleOfSecuritiesNet id="GainLossOnSaleOfSecuritiesNet.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">204000</us-gaap:GainLossOnSaleOfSecuritiesNet>
  <us-gaap:GainLossOnSaleOfSecuritiesNet id="GainLossOnSaleOfSecuritiesNet.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">12000</us-gaap:GainLossOnSaleOfSecuritiesNet>
  <us-gaap:GainLossOnSaleOfSecuritiesNet id="GainLossOnSaleOfSecuritiesNet.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-358000</us-gaap:GainLossOnSaleOfSecuritiesNet>
  <us-gaap:GainLossOnSalesOfLoansNet id="GainLossOnSalesOfLoansNet.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1089000</us-gaap:GainLossOnSalesOfLoansNet>
  <us-gaap:GainLossOnSalesOfLoansNet id="GainLossOnSalesOfLoansNet.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1132000</us-gaap:GainLossOnSalesOfLoansNet>
  <us-gaap:GainLossOnSalesOfLoansNet id="GainLossOnSalesOfLoansNet.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">812000</us-gaap:GainLossOnSalesOfLoansNet>
  <us-gaap:Goodwill id="Goodwill.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">12613000</us-gaap:Goodwill>
  <us-gaap:Goodwill id="Goodwill.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">12613000</us-gaap:Goodwill>
  <us-gaap:Goodwill id="Goodwill.4552.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">12613000</us-gaap:Goodwill>
  <us-gaap:Goodwill id="Goodwill.4550.36870.5172.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">9500000</us-gaap:Goodwill>
  <us-gaap:Goodwill id="Goodwill.4550.36927.750.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36927.750.0.0.0.0" unitRef="USD" decimals="-3">3100000</us-gaap:Goodwill>
  <us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock id="GoodwillAndIntangibleAssetsDisclosureTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 20.&amp;nbsp;&amp;nbsp;INTANGIBLE ASSETS&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company&amp;#39;s Consolidated Balance Sheets show both tangible assets (such as loans, buildings, and investments) and intangible assets (such as goodwill). Goodwill has an indefinite live and is not amortized. Instead such intangible is evaluated for impairment at the reporting unit level at least annually. Any resulting impairment would be reflected as a non-interest expense. Of the Company&amp;#39;s goodwill of $12.6 million, $9.5 million is allocated to the retail banking segment and $3.1 million relates to the West Chester Capital Advisors (WCCA) acquisition which is included in the trust segment. Goodwill in both of these segments was evaluated for impairment on its annual impairment evaluation date. During the first quarter of 2011, the Company did reduce the goodwill allocated to West Chester Capital Advisors by $337,000. This reduction resulted from a purchase price adjustment as the principal of WCCA did not fully earn a deferred contingent payment that had been accrued for at the time of acquisition. The Company&amp;#39;s intangible goodwill balance at December 31, 2013 and 2012 was $12.6 million.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock>
  <us-gaap:GoodwillAndIntangibleAssetsPolicyTextBlock id="GoodwillAndIntangibleAssetsPolicyTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; INTANGIBLE ASSETS:&lt;/h5&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; Goodwill&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company accounts for goodwill using a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company&amp;#39;s reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an annual impairment analysis of goodwill.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:GoodwillAndIntangibleAssetsPolicyTextBlock>
  <us-gaap:HeldToMaturitySecurities id="HeldToMaturitySecurities.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">18187000</us-gaap:HeldToMaturitySecurities>
  <us-gaap:HeldToMaturitySecurities id="HeldToMaturitySecurities.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">13723000</us-gaap:HeldToMaturitySecurities>
  <us-gaap:HeldToMaturitySecurities id="HeldToMaturitySecurities.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">12671000</us-gaap:HeldToMaturitySecurities>
  <us-gaap:HeldToMaturitySecurities id="HeldToMaturitySecurities.4551.3429.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">9318000</us-gaap:HeldToMaturitySecurities>
  <us-gaap:HeldToMaturitySecurities id="HeldToMaturitySecurities.4550.5399.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5399.1358.0.0.0.0" unitRef="USD" decimals="-3">1521000</us-gaap:HeldToMaturitySecurities>
  <us-gaap:HeldToMaturitySecurities id="HeldToMaturitySecurities.4551.5399.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.5399.1358.0.0.0.0" unitRef="USD" decimals="-3">410000</us-gaap:HeldToMaturitySecurities>
  <us-gaap:HeldToMaturitySecurities id="HeldToMaturitySecurities.4550.3820.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">3995000</us-gaap:HeldToMaturitySecurities>
  <us-gaap:HeldToMaturitySecurities id="HeldToMaturitySecurities.4551.3820.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">3995000</us-gaap:HeldToMaturitySecurities>
  <us-gaap:HeldToMaturitySecurities id="HeldToMaturitySecurities.4550.36786.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0" unitRef="USD" decimals="-3">5516000</us-gaap:HeldToMaturitySecurities>
  <us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">13556000</us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue>
  <us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2946000</us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue>
  <us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">8761000</us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue>
  <us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue.4550.3820.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">4795000</us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue>
  <us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue.4551.3820.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">2946000</us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue>
  <us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">12562000</us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">965000</us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">8761000</us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.4550.3820.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">3801000</us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.4551.3820.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">965000</us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">994000</us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1981000</us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.4550.3429.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.4550.3820.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">994000</us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue id="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.4551.3820.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">1981000</us-gaap:HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue id="HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1618000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue>
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue id="HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">1618000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue>
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue id="HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.4550.36786.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount id="HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1760000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount>
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount id="HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">1760000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount>
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount id="HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.4550.36786.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue id="HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2966000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue>
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue id="HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.4550.3429.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue id="HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.4550.36786.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0" unitRef="USD" decimals="-3">2966000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue>
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount id="HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3000000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount>
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount id="HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.4550.3429.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount id="HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.4550.36786.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0" unitRef="USD" decimals="-3">3000000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount>
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue id="HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.4550.0.0.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue id="HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.4550.3429.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue id="HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.4550.36786.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount id="HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.4550.0.0.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount id="HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.4550.3429.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount id="HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.4550.36786.1358.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:HeldToMaturitySecuritiesFairValue id="HeldToMaturitySecuritiesFairValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">17788000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="HeldToMaturitySecuritiesFairValue.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">14266000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="HeldToMaturitySecuritiesFairValue.4550.3429.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">12483000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="HeldToMaturitySecuritiesFairValue.4551.3429.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3429.1358.0.0.0.0" unitRef="USD" decimals="-3">9896000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="HeldToMaturitySecuritiesFairValue.4550.5399.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5399.1358.0.0.0.0" unitRef="USD" decimals="-3">1401000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="HeldToMaturitySecuritiesFairValue.4551.5399.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.5399.1358.0.0.0.0" unitRef="USD" decimals="-3">416000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="HeldToMaturitySecuritiesFairValue.4550.3820.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">3904000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="HeldToMaturitySecuritiesFairValue.4551.3820.1358.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3820.1358.0.0.0.0" unitRef="USD" decimals="-3">3954000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="HeldToMaturitySecuritiesFairValue.4550.2139.1998.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2139.1998.0.0.0.0" unitRef="USD" decimals="-3">14822000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="HeldToMaturitySecuritiesFairValue.4551.2139.1998.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2139.1998.0.0.0.0" unitRef="USD" decimals="-3">11321000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="HeldToMaturitySecuritiesFairValue.4550.2129.1998.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2129.1998.0.0.0.0" unitRef="USD" decimals="-3">2966000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="HeldToMaturitySecuritiesFairValue.4551.2129.1998.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2129.1998.0.0.0.0" unitRef="USD" decimals="-3">2945000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesFairValue id="HeldToMaturitySecuritiesFairValue.4550.2138.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2138.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:HeldToMaturitySecuritiesFairValue id="HeldToMaturitySecuritiesFairValue.4551.2138.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2138.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:HeldToMaturitySecuritiesFairValue id="HeldToMaturitySecuritiesFairValue.4550.36786.1358.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0" unitRef="USD" decimals="-3">5305000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <us-gaap:HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions id="HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="0">60</us-gaap:HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2509000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3770000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4982000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4554.1070.2295.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">13000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4555.1070.2295.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">13000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4556.1070.2295.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">503000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4554.1077.2295.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">2459000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4555.1077.2295.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">3754000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4556.1077.2295.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">4479000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4554.1175.2295.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">37000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4555.1175.2295.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">3000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment id="ImpairedFinancingReceivableAverageRecordedInvestment.4556.1175.2295.0.0.0.0" xsi:nil="true" contextRef="from-2011-01-01-to-2011-12-31.4556.0.1175.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">14000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">167000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4554.1070.2295.0.0.0.0" xsi:nil="true" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1070.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4555.1070.2295.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.1070.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4556.1070.2295.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">17000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4554.1077.2295.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">11000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4555.1077.2295.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">4000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4556.1077.2295.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">150000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4554.1175.2295.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">3000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4555.1175.2295.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.1175.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod id="ImpairedFinancingReceivableInterestIncomeCashBasisMethod.4556.1175.2295.0.0.0.0" xsi:nil="true" contextRef="from-2011-01-01-to-2011-12-31.4556.0.1175.2295.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3066000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4806000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4550.2056.1988.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2056.1988.0.0.0.0" unitRef="USD" decimals="-3">2253000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4551.2056.1988.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2056.1988.0.0.0.0" unitRef="USD" decimals="-3">3220000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4550.2138.1998.2056.1988.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2138.1998.2056.1988.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4551.2138.1998.2056.1988.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2138.1998.2056.1988.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4550.2129.1998.2056.1988.0.0" contextRef="as-of-2013-12-31.4550.0.2129.1998.2056.1988.0.0" unitRef="USD" decimals="-3">2253000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4551.2129.1998.2056.1988.0.0" contextRef="as-of-2012-12-31.4551.0.2129.1998.2056.1988.0.0" unitRef="USD" decimals="-3">3220000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4550.2139.1998.2056.1988.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2139.1998.2056.1988.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4551.2139.1998.2056.1988.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2139.1998.2056.1988.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4550.1077.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">3005000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4551.1077.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">4793000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4550.1175.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">61000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4551.1175.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">13000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4550.36824.36821.1077.2295.0.0" contextRef="as-of-2013-12-31.4550.0.36824.36821.1077.2295.0.0" unitRef="USD" decimals="-3">3005000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4551.36824.36821.1077.2295.0.0" contextRef="as-of-2012-12-31.4551.0.36824.36821.1077.2295.0.0" unitRef="USD" decimals="-3">4239000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4550.36823.36821.1077.2295.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.36823.36821.1077.2295.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4551.36823.36821.1077.2295.0.0" contextRef="as-of-2012-12-31.4551.0.36823.36821.1077.2295.0.0" unitRef="USD" decimals="-3">554000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4550.36824.36821.1175.2295.0.0" contextRef="as-of-2013-12-31.4550.0.36824.36821.1175.2295.0.0" unitRef="USD" decimals="-3">61000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4551.36824.36821.1175.2295.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.36824.36821.1175.2295.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4550.36823.36821.1175.2295.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.36823.36821.1175.2295.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4551.36823.36821.1175.2295.0.0" contextRef="as-of-2012-12-31.4551.0.36823.36821.1175.2295.0.0" unitRef="USD" decimals="-3">13000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4550.36824.36821.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36824.36821.0.0.0.0" unitRef="USD" decimals="-3">3066000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4551.36824.36821.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36824.36821.0.0.0.0" unitRef="USD" decimals="-3">4239000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4550.36823.36821.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.36823.36821.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ImpairedFinancingReceivableRecordedInvestment id="ImpairedFinancingReceivableRecordedInvestment.4551.36823.36821.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36823.36821.0.0.0.0" unitRef="USD" decimals="-3">567000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ImpairedFinancingReceivableRelatedAllowance.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">813000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ImpairedFinancingReceivableRelatedAllowance.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1600000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ImpairedFinancingReceivableRelatedAllowance.4550.36824.36821.1077.2295.0.0" contextRef="as-of-2013-12-31.4550.0.36824.36821.1077.2295.0.0" unitRef="USD" decimals="-3">812000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ImpairedFinancingReceivableRelatedAllowance.4551.36824.36821.1077.2295.0.0" contextRef="as-of-2012-12-31.4551.0.36824.36821.1077.2295.0.0" unitRef="USD" decimals="-3">1586000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ImpairedFinancingReceivableRelatedAllowance.4550.36824.36821.1175.2295.0.0" contextRef="as-of-2013-12-31.4550.0.36824.36821.1175.2295.0.0" unitRef="USD" decimals="-3">1000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ImpairedFinancingReceivableRelatedAllowance.4551.36824.36821.1175.2295.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.36824.36821.1175.2295.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ImpairedFinancingReceivableRelatedAllowance.4550.36824.36821.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36824.36821.0.0.0.0" unitRef="USD" decimals="-3">813000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="ImpairedFinancingReceivableRelatedAllowance.4551.36824.36821.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36824.36821.0.0.0.0" unitRef="USD" decimals="-3">1586000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivablesTableTextBlock id="ImpairedFinancingReceivablesTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;IMPAIRED LOANS WITH SPECIFIC ALLOWANCE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TOTAL IMPAIRED LOANS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RECORDED INVESTMENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RELATED ALLOWANCE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RECORDED INVESTMENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RECORDED INVESTMENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNPAID PRINCIPAL BALANCE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,005&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;812&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,005&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,118&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;61&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;61&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;61&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total impaired loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,066&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;813&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,066&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,179&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;IMPAIRED LOANS WITH SPECIFIC ALLOWANCE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TOTAL IMPAIRED LOANS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RECORDED INVESTMENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RELATED ALLOWANCE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RECORDED INVESTMENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RECORDED INVESTMENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNPAID PRINCIPAL BALANCE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,239&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,586&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;554&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,793&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,850&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total impaired loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,239&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,586&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 567&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,806&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,863&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ImpairedFinancingReceivablesTableTextBlock>
  <us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance id="ImpairedFinancingReceivableUnpaidPrincipalBalance.4550.1077.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">3118000</us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance id="ImpairedFinancingReceivableUnpaidPrincipalBalance.4551.1077.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">4850000</us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance id="ImpairedFinancingReceivableUnpaidPrincipalBalance.4550.1175.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">61000</us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance id="ImpairedFinancingReceivableUnpaidPrincipalBalance.4551.1175.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">13000</us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance id="ImpairedFinancingReceivableUnpaidPrincipalBalance.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3179000</us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance>
  <us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance id="ImpairedFinancingReceivableUnpaidPrincipalBalance.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4863000</us-gaap:ImpairedFinancingReceivableUnpaidPrincipalBalance>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">7482000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">7280000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">9390000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4614.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-03-31.4614.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2243000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4615.0.0.0.0.0.0" contextRef="from-2012-04-01-to-2012-06-30.4615.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2087000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4616.0.0.0.0.0.0" contextRef="from-2012-07-01-to-2012-09-30.4616.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1904000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4617.0.0.0.0.0.0" contextRef="from-2012-10-01-to-2012-12-31.4617.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1046000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4618.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-03-31.4618.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1486000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4619.0.0.0.0.0.0" contextRef="from-2013-04-01-to-2013-06-30.4619.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1504000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4620.0.0.0.0.0.0" contextRef="from-2013-07-01-to-2013-09-30.4620.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1773000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4621.0.0.0.0.0.0" contextRef="from-2013-10-01-to-2013-12-31.4621.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2719000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4554.36870.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">3957000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4555.36870.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">4508000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4556.36870.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">2948000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4554.36783.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">7189000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4555.36783.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">6729000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4556.36783.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">9936000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4554.36884.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">1821000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4555.36884.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">1432000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4556.36884.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">1205000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4554.37283.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">-5485000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4555.37283.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">-5389000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4556.37283.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">-4699000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">3542000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">6300000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments id="IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">872000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromSubsidiariesNetOfTax id="IncomeLossFromSubsidiariesNetOfTax.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">756000</us-gaap:IncomeLossFromSubsidiariesNetOfTax>
  <us-gaap:IncomeLossFromSubsidiariesNetOfTax id="IncomeLossFromSubsidiariesNetOfTax.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">-2080000</us-gaap:IncomeLossFromSubsidiariesNetOfTax>
  <us-gaap:IncomeLossFromSubsidiariesNetOfTax id="IncomeLossFromSubsidiariesNetOfTax.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">4901000</us-gaap:IncomeLossFromSubsidiariesNetOfTax>
  <us-gaap:IncomeTaxDisclosureTextBlock id="IncomeTaxDisclosureTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 13.&amp;nbsp;&amp;nbsp;INCOME TAXES&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The expense for income taxes is summarized below:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Current&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;139&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;140&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;95&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Deferred&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,150&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,101&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,758&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income tax expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,289&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,241&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,853&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The reconciliation between the federal statutory tax rate and the Company&amp;#39;s effective consolidated income tax rate is as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23"&gt;(IN THOUSANDS, EXCEPT PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income tax expense based on federal statutory rate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,544&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;34.0%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,475&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 34.0&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,193&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 34.0&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Tax exempt income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(359)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(4.8)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (315&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (4.3&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (325&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (3.5&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;104&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.4&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 81&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1.1&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (15&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (0.1&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total expense for income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,289&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;30.6%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,241&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 30.8&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,853&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 30.4&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table highlights the major components comprising the deferred tax assets and liabilities for each of the periods presented:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; DEFERRED TAX ASSETS:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Allowance for loan losses&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,437&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,274&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Unfunded commitment reserve&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;264&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;221&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Premises and equipment&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,832&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,626&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Accrued pension obligation&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,462&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,916&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Net operating loss carryforwards&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,307&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,883&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Alternative minimum tax credits&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,749&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,635&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Other&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;393&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 368&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 30pt; TEXT-INDENT: -10pt"&gt; Total tax assets&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,444&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 13,923&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; DEFERRED TAX LIABILITIES:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Investment accretion&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(18)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(28&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Unrealized investment security gains&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(545)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (2,133&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Other&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(309)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (295&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 30pt; TEXT-INDENT: -10pt"&gt; Total tax liabilities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(872)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (2,456&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net deferred tax asset&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;9,572&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 11,467&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; At December 31, 2013 and 2012, the Company had no valuation allowance established against its deferred tax assets as we believe the Company will generate sufficient future taxable income to fully utilize all net operating loss carryforwards and AMT tax credits.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The change in net deferred tax assets and liabilities consist of the following:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Unrealized gains recognized in comprehensive income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,595&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;162&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Pension obligation of the defined benefit plan not yet recognized in income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,340)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;725&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Deferred provision for income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(2,150)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (2,101&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net decrease&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,895)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (1,214&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company has alternative minimum tax credit carryforwards of approximately $1.7 million at December 31, 2013. These credits have an indefinite carryforward period. The Company also has a $3.8 million net operating loss carryforward that will begin to expire in the year 2025.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company utilizes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than fifty percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. The Company has no tax liability for uncertain tax positions. The Company&amp;#39;s federal and state income tax returns for taxable years through 2009 have been closed for purposes of examination by the Internal Revenue Service and the Pennsylvania Department of Revenue.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:IncomeTaxDisclosureTextBlock>
  <us-gaap:IncomeTaxesPaid id="IncomeTaxesPaid.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">137000</us-gaap:IncomeTaxesPaid>
  <us-gaap:IncomeTaxesPaid id="IncomeTaxesPaid.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">142000</us-gaap:IncomeTaxesPaid>
  <us-gaap:IncomeTaxesPaid id="IncomeTaxesPaid.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">97000</us-gaap:IncomeTaxesPaid>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2289000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2241000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2853000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4614.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-03-31.4614.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">678000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4615.0.0.0.0.0.0" contextRef="from-2012-04-01-to-2012-06-30.4615.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">655000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4616.0.0.0.0.0.0" contextRef="from-2012-07-01-to-2012-09-30.4616.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">597000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4617.0.0.0.0.0.0" contextRef="from-2012-10-01-to-2012-12-31.4617.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">311000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4618.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-03-31.4618.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">430000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4619.0.0.0.0.0.0" contextRef="from-2013-04-01-to-2013-06-30.4619.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">434000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4620.0.0.0.0.0.0" contextRef="from-2013-07-01-to-2013-09-30.4620.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">547000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4621.0.0.0.0.0.0" contextRef="from-2013-10-01-to-2013-12-31.4621.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">878000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4554.36870.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">1165000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4555.36870.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">1358000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4556.36870.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">880000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4554.36783.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">2166000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4555.36783.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">2044000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4556.36783.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">2995000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4554.36884.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">619000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4555.36884.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">487000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4556.36884.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">410000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4554.37283.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">-1661000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4555.37283.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">-1648000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4556.37283.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">-1432000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">-895000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">-819000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit id="IncomeTaxExpenseBenefit.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">-764000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxPolicyTextBlock id="IncomeTaxPolicyTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; INCOME TAXES:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Deferred tax assets or liabilities are computed based on the difference between the financial statement and income tax basis of assets and liabilities using the enacted marginal tax rate. Deferred income tax expenses or credits are based on the changes in the corresponding asset or liability from period to period. Deferred tax assets are reduced, if necessary, by the amounts of such benefits that are not expected to be realized based upon available evidence.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:IncomeTaxPolicyTextBlock>
  <us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate id="IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2544000</us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate>
  <us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate id="IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2475000</us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate>
  <us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate id="IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3193000</us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate>
  <us-gaap:IncomeTaxReconciliationOtherReconcilingItems id="IncomeTaxReconciliationOtherReconcilingItems.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">104000</us-gaap:IncomeTaxReconciliationOtherReconcilingItems>
  <us-gaap:IncomeTaxReconciliationOtherReconcilingItems id="IncomeTaxReconciliationOtherReconcilingItems.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">81000</us-gaap:IncomeTaxReconciliationOtherReconcilingItems>
  <us-gaap:IncomeTaxReconciliationOtherReconcilingItems id="IncomeTaxReconciliationOtherReconcilingItems.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-15000</us-gaap:IncomeTaxReconciliationOtherReconcilingItems>
  <us-gaap:IncomeTaxReconciliationTaxExemptIncome id="IncomeTaxReconciliationTaxExemptIncome.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">359000</us-gaap:IncomeTaxReconciliationTaxExemptIncome>
  <us-gaap:IncomeTaxReconciliationTaxExemptIncome id="IncomeTaxReconciliationTaxExemptIncome.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">315000</us-gaap:IncomeTaxReconciliationTaxExemptIncome>
  <us-gaap:IncomeTaxReconciliationTaxExemptIncome id="IncomeTaxReconciliationTaxExemptIncome.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">325000</us-gaap:IncomeTaxReconciliationTaxExemptIncome>
  <us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet id="IncreaseDecreaseInAccruedInterestReceivableNet.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-52000</us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet>
  <us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet id="IncreaseDecreaseInAccruedInterestReceivableNet.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-256000</us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet>
  <us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet id="IncreaseDecreaseInAccruedInterestReceivableNet.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6000</us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet>
  <us-gaap:IncreaseDecreaseInDeferredIncomeTaxes id="IncreaseDecreaseInDeferredIncomeTaxes.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-1895000</us-gaap:IncreaseDecreaseInDeferredIncomeTaxes>
  <us-gaap:IncreaseDecreaseInDeferredIncomeTaxes id="IncreaseDecreaseInDeferredIncomeTaxes.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-1214000</us-gaap:IncreaseDecreaseInDeferredIncomeTaxes>
  <us-gaap:IncreaseDecreaseInDeposits id="IncreaseDecreaseInDeposits.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">18744000</us-gaap:IncreaseDecreaseInDeposits>
  <us-gaap:IncreaseDecreaseInDeposits id="IncreaseDecreaseInDeposits.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">19329000</us-gaap:IncreaseDecreaseInDeposits>
  <us-gaap:IncreaseDecreaseInDeposits id="IncreaseDecreaseInDeposits.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">13722000</us-gaap:IncreaseDecreaseInDeposits>
  <us-gaap:IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1 id="IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.4554.36929.1573.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36929.1573.0.0.0.0" unitRef="USD" decimals="0">165488</us-gaap:IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1>
  <us-gaap:IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1 id="IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.4554.36930.1573.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36930.1573.0.0.0.0" unitRef="USD" decimals="0">-165488</us-gaap:IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1>
  <us-gaap:IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1 id="IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.4554.2870.1573.0.0.0.0" xsi:nil="true" contextRef="from-2013-01-01-to-2013-12-31.4554.0.2870.1573.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:IncreaseDecreaseInInterestPayableNet id="IncreaseDecreaseInInterestPayableNet.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-299000</us-gaap:IncreaseDecreaseInInterestPayableNet>
  <us-gaap:IncreaseDecreaseInInterestPayableNet id="IncreaseDecreaseInInterestPayableNet.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-440000</us-gaap:IncreaseDecreaseInInterestPayableNet>
  <us-gaap:IncreaseDecreaseInInterestPayableNet id="IncreaseDecreaseInInterestPayableNet.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-1018000</us-gaap:IncreaseDecreaseInInterestPayableNet>
  <us-gaap:IncreaseDecreaseInOtherOperatingAssets id="IncreaseDecreaseInOtherOperatingAssets.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">967000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
  <us-gaap:IncreaseDecreaseInOtherOperatingAssets id="IncreaseDecreaseInOtherOperatingAssets.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1446000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
  <us-gaap:IncreaseDecreaseInOtherOperatingAssets id="IncreaseDecreaseInOtherOperatingAssets.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-3074000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
  <us-gaap:IncreaseDecreaseInPrepaidExpense id="IncreaseDecreaseInPrepaidExpense.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-1444000</us-gaap:IncreaseDecreaseInPrepaidExpense>
  <us-gaap:IncreaseDecreaseInPrepaidExpense id="IncreaseDecreaseInPrepaidExpense.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-370000</us-gaap:IncreaseDecreaseInPrepaidExpense>
  <us-gaap:IncreaseDecreaseInPrepaidExpense id="IncreaseDecreaseInPrepaidExpense.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-1259000</us-gaap:IncreaseDecreaseInPrepaidExpense>
  <us-gaap:IncrementalCommonSharesAttributableToCallOptionsAndWarrants id="IncrementalCommonSharesAttributableToCallOptionsAndWarrants.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="shares" decimals="-3">92000</us-gaap:IncrementalCommonSharesAttributableToCallOptionsAndWarrants>
  <us-gaap:IncrementalCommonSharesAttributableToCallOptionsAndWarrants id="IncrementalCommonSharesAttributableToCallOptionsAndWarrants.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="shares" decimals="-3">62000</us-gaap:IncrementalCommonSharesAttributableToCallOptionsAndWarrants>
  <us-gaap:IncrementalCommonSharesAttributableToCallOptionsAndWarrants id="IncrementalCommonSharesAttributableToCallOptionsAndWarrants.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="shares" decimals="-3">21000</us-gaap:IncrementalCommonSharesAttributableToCallOptionsAndWarrants>
  <us-gaap:InterestAndDividendIncomeOperating id="InterestAndDividendIncomeOperating.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">39343000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="InterestAndDividendIncomeOperating.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">39917000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="InterestAndDividendIncomeOperating.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">41964000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="InterestAndDividendIncomeOperating.4614.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-03-31.4614.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10124000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="InterestAndDividendIncomeOperating.4615.0.0.0.0.0.0" contextRef="from-2012-04-01-to-2012-06-30.4615.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">9885000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="InterestAndDividendIncomeOperating.4616.0.0.0.0.0.0" contextRef="from-2012-07-01-to-2012-09-30.4616.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10030000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="InterestAndDividendIncomeOperating.4617.0.0.0.0.0.0" contextRef="from-2012-10-01-to-2012-12-31.4617.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">9878000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="InterestAndDividendIncomeOperating.4618.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-03-31.4618.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">9702000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="InterestAndDividendIncomeOperating.4619.0.0.0.0.0.0" contextRef="from-2013-04-01-to-2013-06-30.4619.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">9627000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="InterestAndDividendIncomeOperating.4620.0.0.0.0.0.0" contextRef="from-2013-07-01-to-2013-09-30.4620.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">9811000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="InterestAndDividendIncomeOperating.4621.0.0.0.0.0.0" contextRef="from-2013-10-01-to-2013-12-31.4621.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10203000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="InterestAndDividendIncomeOperating.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">243000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="InterestAndDividendIncomeOperating.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">306000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating id="InterestAndDividendIncomeOperating.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">415000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeSecuritiesAvailableForSale id="InterestAndDividendIncomeSecuritiesAvailableForSale.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3701000</us-gaap:InterestAndDividendIncomeSecuritiesAvailableForSale>
  <us-gaap:InterestAndDividendIncomeSecuritiesAvailableForSale id="InterestAndDividendIncomeSecuritiesAvailableForSale.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4634000</us-gaap:InterestAndDividendIncomeSecuritiesAvailableForSale>
  <us-gaap:InterestAndDividendIncomeSecuritiesAvailableForSale id="InterestAndDividendIncomeSecuritiesAvailableForSale.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">5837000</us-gaap:InterestAndDividendIncomeSecuritiesAvailableForSale>
  <us-gaap:InterestAndDividendIncomeSecuritiesHeldToMaturity id="InterestAndDividendIncomeSecuritiesHeldToMaturity.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">508000</us-gaap:InterestAndDividendIncomeSecuritiesHeldToMaturity>
  <us-gaap:InterestAndDividendIncomeSecuritiesHeldToMaturity id="InterestAndDividendIncomeSecuritiesHeldToMaturity.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">440000</us-gaap:InterestAndDividendIncomeSecuritiesHeldToMaturity>
  <us-gaap:InterestAndDividendIncomeSecuritiesHeldToMaturity id="InterestAndDividendIncomeSecuritiesHeldToMaturity.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">403000</us-gaap:InterestAndDividendIncomeSecuritiesHeldToMaturity>
  <us-gaap:InterestBearingDepositLiabilities id="InterestBearingDepositLiabilities.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">700520000</us-gaap:InterestBearingDepositLiabilities>
  <us-gaap:InterestBearingDepositLiabilities id="InterestBearingDepositLiabilities.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">679511000</us-gaap:InterestBearingDepositLiabilities>
  <us-gaap:InterestBearingDepositsInBanks id="InterestBearingDepositsInBanks.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2967000</us-gaap:InterestBearingDepositsInBanks>
  <us-gaap:InterestBearingDepositsInBanks id="InterestBearingDepositsInBanks.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1730000</us-gaap:InterestBearingDepositsInBanks>
  <us-gaap:InterestBearingDomesticDepositDemand id="InterestBearingDomesticDepositDemand.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">84926000</us-gaap:InterestBearingDomesticDepositDemand>
  <us-gaap:InterestBearingDomesticDepositDemand id="InterestBearingDomesticDepositDemand.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">61774000</us-gaap:InterestBearingDomesticDepositDemand>
  <us-gaap:InterestExpense id="InterestExpense.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6482000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="InterestExpense.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">7714000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="InterestExpense.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">9681000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="InterestExpense.4614.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-03-31.4614.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2066000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="InterestExpense.4615.0.0.0.0.0.0" contextRef="from-2012-04-01-to-2012-06-30.4615.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1964000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="InterestExpense.4616.0.0.0.0.0.0" contextRef="from-2012-07-01-to-2012-09-30.4616.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1888000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="InterestExpense.4617.0.0.0.0.0.0" contextRef="from-2012-10-01-to-2012-12-31.4617.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1796000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="InterestExpense.4618.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-03-31.4618.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1660000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="InterestExpense.4619.0.0.0.0.0.0" contextRef="from-2013-04-01-to-2013-06-30.4619.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1606000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="InterestExpense.4620.0.0.0.0.0.0" contextRef="from-2013-07-01-to-2013-09-30.4620.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1611000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="InterestExpense.4621.0.0.0.0.0.0" contextRef="from-2013-10-01-to-2013-12-31.4621.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1605000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="InterestExpense.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">1121000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="InterestExpense.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">1121000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense id="InterestExpense.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">1121000</us-gaap:InterestExpense>
  <us-gaap:InterestExpenseDeposits id="InterestExpenseDeposits.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">5164000</us-gaap:InterestExpenseDeposits>
  <us-gaap:InterestExpenseDeposits id="InterestExpenseDeposits.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6502000</us-gaap:InterestExpenseDeposits>
  <us-gaap:InterestExpenseDeposits id="InterestExpenseDeposits.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8335000</us-gaap:InterestExpenseDeposits>
  <us-gaap:InterestExpenseDomesticDepositLiabilitiesDemand id="InterestExpenseDomesticDepositLiabilitiesDemand.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">138000</us-gaap:InterestExpenseDomesticDepositLiabilitiesDemand>
  <us-gaap:InterestExpenseDomesticDepositLiabilitiesDemand id="InterestExpenseDomesticDepositLiabilitiesDemand.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">116000</us-gaap:InterestExpenseDomesticDepositLiabilitiesDemand>
  <us-gaap:InterestExpenseDomesticDepositLiabilitiesDemand id="InterestExpenseDomesticDepositLiabilitiesDemand.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">153000</us-gaap:InterestExpenseDomesticDepositLiabilitiesDemand>
  <us-gaap:InterestExpenseDomesticDepositLiabilitiesMoneyMarket id="InterestExpenseDomesticDepositLiabilitiesMoneyMarket.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">736000</us-gaap:InterestExpenseDomesticDepositLiabilitiesMoneyMarket>
  <us-gaap:InterestExpenseDomesticDepositLiabilitiesMoneyMarket id="InterestExpenseDomesticDepositLiabilitiesMoneyMarket.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">895000</us-gaap:InterestExpenseDomesticDepositLiabilitiesMoneyMarket>
  <us-gaap:InterestExpenseDomesticDepositLiabilitiesMoneyMarket id="InterestExpenseDomesticDepositLiabilitiesMoneyMarket.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1063000</us-gaap:InterestExpenseDomesticDepositLiabilitiesMoneyMarket>
  <us-gaap:InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit id="InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3862000</us-gaap:InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit>
  <us-gaap:InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit id="InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4875000</us-gaap:InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit>
  <us-gaap:InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit id="InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6226000</us-gaap:InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit>
  <us-gaap:InterestExpenseDomesticDepositLiabilitiesSavings id="InterestExpenseDomesticDepositLiabilitiesSavings.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">139000</us-gaap:InterestExpenseDomesticDepositLiabilitiesSavings>
  <us-gaap:InterestExpenseDomesticDepositLiabilitiesSavings id="InterestExpenseDomesticDepositLiabilitiesSavings.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">181000</us-gaap:InterestExpenseDomesticDepositLiabilitiesSavings>
  <us-gaap:InterestExpenseDomesticDepositLiabilitiesSavings id="InterestExpenseDomesticDepositLiabilitiesSavings.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">256000</us-gaap:InterestExpenseDomesticDepositLiabilitiesSavings>
  <us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm id="InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">152000</us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm>
  <us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm id="InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">81000</us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm>
  <us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm id="InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">220000</us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm>
  <us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm id="InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">46000</us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm>
  <us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm id="InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">11000</us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm>
  <us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm id="InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6000</us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm>
  <us-gaap:InterestExpenseJuniorSubordinatedDebentures id="InterestExpenseJuniorSubordinatedDebentures.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1120000</us-gaap:InterestExpenseJuniorSubordinatedDebentures>
  <us-gaap:InterestExpenseJuniorSubordinatedDebentures id="InterestExpenseJuniorSubordinatedDebentures.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1120000</us-gaap:InterestExpenseJuniorSubordinatedDebentures>
  <us-gaap:InterestExpenseJuniorSubordinatedDebentures id="InterestExpenseJuniorSubordinatedDebentures.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1120000</us-gaap:InterestExpenseJuniorSubordinatedDebentures>
  <us-gaap:InterestIncomeAndInterestExpenseDisclosureTextBlock id="InterestIncomeAndInterestExpenseDisclosureTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest bearing demand&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;138&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;116&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;153&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Savings&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;139&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;181&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;256&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Money market&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;736&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;895&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,063&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Certificates of deposit in denominations of $100,000 or&lt;br /&gt; more&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;289&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;435&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;637&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other time&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,862&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 4,875&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 6,226&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total interest expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,164&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 6,502&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 8,335&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:InterestIncomeAndInterestExpenseDisclosureTextBlock>
  <us-gaap:InterestIncomeDepositsWithFinancialInstitutions id="InterestIncomeDepositsWithFinancialInstitutions.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6000</us-gaap:InterestIncomeDepositsWithFinancialInstitutions>
  <us-gaap:InterestIncomeDepositsWithFinancialInstitutions id="InterestIncomeDepositsWithFinancialInstitutions.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10000</us-gaap:InterestIncomeDepositsWithFinancialInstitutions>
  <us-gaap:InterestIncomeDepositsWithFinancialInstitutions id="InterestIncomeDepositsWithFinancialInstitutions.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">9000</us-gaap:InterestIncomeDepositsWithFinancialInstitutions>
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss id="InterestIncomeExpenseAfterProvisionForLoanLoss.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">33961000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss id="InterestIncomeExpenseAfterProvisionForLoanLoss.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">32978000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss id="InterestIncomeExpenseAfterProvisionForLoanLoss.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">35858000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss id="InterestIncomeExpenseAfterProvisionForLoanLoss.4614.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-03-31.4614.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8683000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss id="InterestIncomeExpenseAfterProvisionForLoanLoss.4615.0.0.0.0.0.0" contextRef="from-2012-04-01-to-2012-06-30.4615.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8421000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss id="InterestIncomeExpenseAfterProvisionForLoanLoss.4616.0.0.0.0.0.0" contextRef="from-2012-07-01-to-2012-09-30.4616.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8342000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss id="InterestIncomeExpenseAfterProvisionForLoanLoss.4617.0.0.0.0.0.0" contextRef="from-2012-10-01-to-2012-12-31.4617.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">7532000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss id="InterestIncomeExpenseAfterProvisionForLoanLoss.4618.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-03-31.4618.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8292000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss id="InterestIncomeExpenseAfterProvisionForLoanLoss.4619.0.0.0.0.0.0" contextRef="from-2013-04-01-to-2013-06-30.4619.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">7871000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss id="InterestIncomeExpenseAfterProvisionForLoanLoss.4620.0.0.0.0.0.0" contextRef="from-2013-07-01-to-2013-09-30.4620.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8200000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss id="InterestIncomeExpenseAfterProvisionForLoanLoss.4621.0.0.0.0.0.0" contextRef="from-2013-10-01-to-2013-12-31.4621.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">9598000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">32861000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">32203000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">32283000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4614.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-03-31.4614.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8058000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4615.0.0.0.0.0.0" contextRef="from-2012-04-01-to-2012-06-30.4615.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">7921000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4616.0.0.0.0.0.0" contextRef="from-2012-07-01-to-2012-09-30.4616.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8142000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4617.0.0.0.0.0.0" contextRef="from-2012-10-01-to-2012-12-31.4617.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8082000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4618.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-03-31.4618.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8042000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4619.0.0.0.0.0.0" contextRef="from-2013-04-01-to-2013-06-30.4619.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8021000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4620.0.0.0.0.0.0" contextRef="from-2013-07-01-to-2013-09-30.4620.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8200000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4621.0.0.0.0.0.0" contextRef="from-2013-10-01-to-2013-12-31.4621.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8598000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4554.36870.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">20223000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4555.36870.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">20585000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4556.36870.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">20100000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4554.36783.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">15687000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4555.36783.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">14499000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4556.36783.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">13860000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4554.36884.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">35000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4555.36884.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">35000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4556.36884.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">41000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4554.37283.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">-3084000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4555.37283.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">-2916000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet id="InterestIncomeExpenseNet.4556.37283.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">-1718000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeFederalFundsSold id="InterestIncomeFederalFundsSold.4554.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:InterestIncomeFederalFundsSold id="InterestIncomeFederalFundsSold.4555.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:InterestIncomeFederalFundsSold id="InterestIncomeFederalFundsSold.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">7000</us-gaap:InterestIncomeFederalFundsSold>
  <us-gaap:InterestIncomeMoneyMarketDeposits id="InterestIncomeMoneyMarketDeposits.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8000</us-gaap:InterestIncomeMoneyMarketDeposits>
  <us-gaap:InterestIncomeMoneyMarketDeposits id="InterestIncomeMoneyMarketDeposits.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">18000</us-gaap:InterestIncomeMoneyMarketDeposits>
  <us-gaap:InterestIncomeMoneyMarketDeposits id="InterestIncomeMoneyMarketDeposits.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">9000</us-gaap:InterestIncomeMoneyMarketDeposits>
  <us-gaap:InterestPaid id="InterestPaid.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6781000</us-gaap:InterestPaid>
  <us-gaap:InterestPaid id="InterestPaid.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8154000</us-gaap:InterestPaid>
  <us-gaap:InterestPaid id="InterestPaid.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10699000</us-gaap:InterestPaid>
  <us-gaap:InterestPayableCurrentAndNoncurrent id="InterestPayableCurrentAndNoncurrent.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1784000</us-gaap:InterestPayableCurrentAndNoncurrent>
  <us-gaap:InterestPayableCurrentAndNoncurrent id="InterestPayableCurrentAndNoncurrent.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2083000</us-gaap:InterestPayableCurrentAndNoncurrent>
  <us-gaap:InvestmentAdvisoryFees id="InvestmentAdvisoryFees.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">895000</us-gaap:InvestmentAdvisoryFees>
  <us-gaap:InvestmentAdvisoryFees id="InvestmentAdvisoryFees.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">741000</us-gaap:InvestmentAdvisoryFees>
  <us-gaap:InvestmentAdvisoryFees id="InvestmentAdvisoryFees.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">754000</us-gaap:InvestmentAdvisoryFees>
  <us-gaap:InvestmentPolicyTextBlock id="InvestmentPolicyTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; INVESTMENT SECURITIES:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Securities are classified at the time of purchase as investment securities held to maturity if it is management&amp;#39;s intent and the Company has the ability to hold the securities until maturity. These held to maturity securities are carried on the Company&amp;#39;s books at cost, adjusted for amortization of premium and accretion of discount which is computed using the level yield method which approximates the effective interest method. Alternatively, securities are classified as available for sale if it is management&amp;#39;s intent at the time of purchase to hold the securities for an indefinite period of time and/or to use the securities as part of the Company&amp;#39;s asset/liability management strategy. Securities classified as available for sale include securities which may be sold to effectively manage interest rate risk exposure, prepayment risk, and other factors (such as liquidity requirements). These available for sale securities are reported at fair value with unrealized aggregate appreciation/depreciation excluded from income and credited/charged to accumulated other comprehensive income/loss within stockholders&amp;#39; equity on a net of tax basis. Any securities classified as trading assets are reported at fair value with unrealized aggregate appreciation/depreciation included in income on a net of tax basis. The Company does not engage in trading activity.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Realized gains or losses on securities sold are computed upon the adjusted cost of the specific securities sold. Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security&amp;#39;s performance, the creditworthiness of the issuer and the Company&amp;#39;s intent and ability to hold the security to recovery. The Company believes the unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:InvestmentPolicyTextBlock>
  <us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock id="InvestmentsClassifiedByContractualMaturityDateTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="31"&gt;AT DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;U. S. AGENCY&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;U.S. AGENCY MORTGAGE- BACKED SECURITIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;CORPORATE BONDS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TOTAL INVESTMENT SECURITIES AVAILABLE FOR SALE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="31"&gt;(IN THOUSANDS, EXCEPT YIELDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; COST BASIS&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Within 1 year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 1 year but within&lt;br /&gt; 5 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,926&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.50&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,813&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4.54&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;7,994&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.56&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,733&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.90&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 5 years but within 10 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.43&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,381&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.88&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,998&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.91&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;17,379&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.59&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 10 years but within 15 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;64,347&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.74&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;64,347&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.74&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Over 15 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;42,939&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.74&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;42,939&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.74&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,926&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.49&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;121,480&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.78&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;11,992&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.68&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;140,398&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.63&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; FAIR VALUE&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Within 1 year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 1 year but within&lt;br /&gt; 5 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,898&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,934&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;7,947&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,779&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 5 years but within 10 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;937&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,735&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,814&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;17,486&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 10 years but within 15 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;64,751&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;64,751&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Over 15 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;43,962&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;43,962&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,835&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;123,382&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;11,761&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;141,978&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23"&gt;AT DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;U.S. AGENCY MORTGAGE-BACKED SECURITIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;CORPORATE BONDS AND OTHER&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TOTAL INVESTMENT SECURITIES HELD TO MATURITY&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23"&gt;(IN THOUSANDS, EXCEPT YIELDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; COST BASIS&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Within 1 year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 1 year but within 5 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.46&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.46&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 5 years but within 10 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,760&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.10&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,760&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.10&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 10 years but within 15 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,011&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3.14&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,011&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3.14&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Over 15 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,911&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;3.49&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,505&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;4.54&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,416&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;3.62&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,671&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;3.30&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,516&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.61&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;18,187&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;3.09&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; FAIR VALUE&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Within 1 year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 1 year but within 5 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,966&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,966&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 5 years but within 10 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,618&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,618&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 10 years but within 15 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;891&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;891&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Over 15 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,865&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,448&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,313&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,483&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,305&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;17,788&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock>
  <us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock id="InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 3.&amp;nbsp;&amp;nbsp;INVESTMENT SECURITIES&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The cost basis and fair values of investment securities are summarized as follows:&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;AT DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COST BASIS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;GROSS UNREALIZED GAINS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;GROSS UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR&lt;br /&gt; VALUE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,926&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;35&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(126)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,835&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Corporate bonds&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;11,992&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;21&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(252)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;11,761&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;121,480&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,129&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,227)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;123,382&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;140,398&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,185&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,605)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;141,978&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;AT DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COST BASIS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;GROSS UNREALIZED GAINS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;GROSS UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR&lt;br /&gt; VALUE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,671&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;289&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(477)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,483&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Taxable municipal&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,521&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(120)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,401&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Corporate bonds and other securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,995&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(91)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,904&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;18,187&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;289&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(688)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;17,788&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COST BASIS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;GROSS UNREALIZED GAINS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;GROSS UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR&lt;br /&gt; VALUE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,848&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;70&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(7&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,911&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Corporate bonds&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,992&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;3&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (103&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,892&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 131,425&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 6,320&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (10&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 137,735&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 145,265&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 6,393&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (120&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 151,538&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COST BASIS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;GROSS UNREALIZED GAINS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;GROSS UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR&lt;br /&gt; VALUE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9,318&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;578&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9,896&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Taxable municipal&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;410&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;6&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;416&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Corporate bonds and other securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 3,995&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 14&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (55&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 3,954&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 13,723&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 598&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (55&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 14,266&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Maintaining investment quality is a primary objective of the Company&amp;#39;s investment policy which, subject to certain limited exceptions, prohibits the purchase of any investment security below a Moody&amp;#39;s Investors Service or Standard &amp;amp; Poor&amp;#39;s rating of A. At December 31, 2013, 89.0% of the portfolio was rated AAA as compared to 92.2% at December 31, 2012. 1.9% of the portfolio was rated below A or unrated on December 31, 2013. The Company and its subsidiaries, collectively, did not hold securities of any single issuer, excluding U.S. Treasury and U.S. Agencies, that exceeded 10% of shareholders&amp;#39; equity at December 31, 2013.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The book value of securities, both available for sale and held to maturity, pledged to secure public and trust deposits, and certain Federal Home Loan Bank borrowings was $110,780,000 at December 31, 2013 and $94,206,000 at December 31, 2012.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company realized $289,000 of gross investment security gains and $85,000 of investment security losses in 2013, and $12,000 of gross investment gains and no investment security losses in 2012, and $358,000 of gross investment losses and no investment security gains in 2011. On a net basis, the realized gain for 2013 was $135,000 after factoring in tax expense of $69,000, the realized gain for 2012 was $8,000 after factoring in tax expense of $4,000, the realized loss for 2011 was $236,000, after factoring the tax benefit of $122,000. Proceeds from sales of investment securities available for sale were $11.2 million for 2013, $4.2 million for 2012, and $16.5 million during 2011.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table sets forth the contractual maturity distribution of the investment securities, cost basis and fair market values, and the weighted average yield for each type and range of maturity as of December 31, 2013. Yields are not presented on a tax-equivalent basis, but are based upon the cost basis and are weighted for the scheduled maturity. The Company&amp;#39;s consolidated investment securities portfolio had an effective duration of approximately 3.51 years. The weighted average expected maturity for available for sale securities at December 31, 2013 for U.S. Agency, U.S. Agency Mortgage-Backed and Corporate Bond securities was 3.84, 5.07 and 4.73 years, respectively. The weighted average expected maturity for held to maturity securities at December 31, 2013 for U.S. Agency Mortgage-Backed and Corporate Bonds/Taxable Municipals and other securities were 6.73 and 5.82 years.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="31"&gt;AT DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;U. S. AGENCY&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;U.S. AGENCY MORTGAGE- BACKED SECURITIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;CORPORATE BONDS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TOTAL INVESTMENT SECURITIES AVAILABLE FOR SALE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="31"&gt;(IN THOUSANDS, EXCEPT YIELDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; COST BASIS&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Within 1 year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 1 year but within&lt;br /&gt; 5 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,926&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.50&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,813&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4.54&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;7,994&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.56&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,733&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.90&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 5 years but within 10 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.43&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,381&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.88&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,998&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.91&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;17,379&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.59&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 10 years but within 15 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;64,347&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.74&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;64,347&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.74&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Over 15 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;42,939&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.74&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;42,939&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.74&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,926&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.49&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;121,480&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.78&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;11,992&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.68&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;140,398&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.63&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; FAIR VALUE&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Within 1 year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 1 year but within&lt;br /&gt; 5 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,898&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,934&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;7,947&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,779&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 5 years but within 10 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;937&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,735&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,814&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;17,486&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 10 years but within 15 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;64,751&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;64,751&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Over 15 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;43,962&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;43,962&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,835&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;123,382&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;11,761&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;141,978&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23"&gt;AT DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;U.S. AGENCY MORTGAGE-BACKED SECURITIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;CORPORATE BONDS AND OTHER&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TOTAL INVESTMENT SECURITIES HELD TO MATURITY&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23"&gt;(IN THOUSANDS, EXCEPT YIELDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; COST BASIS&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Within 1 year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 1 year but within 5 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.46&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.46&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 5 years but within 10 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,760&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.10&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,760&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.10&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 10 years but within 15 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,011&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3.14&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,011&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3.14&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Over 15 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,911&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;3.49&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,505&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;4.54&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,416&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;3.62&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,671&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;3.30&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,516&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.61&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;18,187&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;3.09&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; FAIR VALUE&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Within 1 year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 1 year but within 5 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,966&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,966&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 5 years but within 10 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,618&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,618&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; After 10 years but within 15 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;891&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;891&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Over 15 years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,865&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,448&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,313&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,483&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,305&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;17,788&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following tables present information concerning investments with unrealized losses as of December 31, 2013 (in thousands):&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;LESS THAN 12 MONTHS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;12 MONTHS OR LONGER&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,812&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(64)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;938&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(62)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,750&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(126)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency mortgage-backed&lt;br /&gt; securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;43,402&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,224)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;669&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(3)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;44,071&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,227)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Corporate bonds&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,777&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(215)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,963&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(37)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,740&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(252)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;53,991&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,503)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,570&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(102)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;57,561&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,605)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;LESS THAN 12 MONTHS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;12 MONTHS OR LONGER&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Corporate bonds/taxable municipals and other securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,801&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(205)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;994&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(6)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,795&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(211)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,761&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(477)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,761&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(477)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,562&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(682)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;994&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(6)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;13,556&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(688)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following tables present information concerning investments with unrealized losses as of December 31, 2012 (in thousands):&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;LESS THAN 12 MONTHS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;12 MONTHS OR LONGER&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;993&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(7&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;993&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(7&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,140&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(8&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;349&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(2&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,489&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(10&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Corporate bonds&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 6,898&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (103&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 6,898&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (103&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 9,031&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (118&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 349&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (2&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 9,380&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (120&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;LESS THAN 12 MONTHS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;12 MONTHS OR LONGER&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Corporate bonds and other securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 965&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (35&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,981&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (20&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,946&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (55&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 965&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (35&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,981&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (20&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,946&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (55&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. There are 60 positions that are considered temporarily impaired at December 31, 2013. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value or mature.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock>
  <us-gaap:JuniorSubordinatedNotes id="JuniorSubordinatedNotes.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">13085000</us-gaap:JuniorSubordinatedNotes>
  <us-gaap:JuniorSubordinatedNotes id="JuniorSubordinatedNotes.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">13085000</us-gaap:JuniorSubordinatedNotes>
  <us-gaap:JuniorSubordinatedNotes id="JuniorSubordinatedNotes.4550.36912.1361.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36912.1361.0.0.0.0" unitRef="USD" decimals="-3">13100000</us-gaap:JuniorSubordinatedNotes>
  <us-gaap:JuniorSubordinatedNotes id="JuniorSubordinatedNotes.4550.3923.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">13085000</us-gaap:JuniorSubordinatedNotes>
  <us-gaap:JuniorSubordinatedNotes id="JuniorSubordinatedNotes.4551.3923.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">13085000</us-gaap:JuniorSubordinatedNotes>
  <us-gaap:LaborAndRelatedExpense id="LaborAndRelatedExpense.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">25115000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:LaborAndRelatedExpense id="LaborAndRelatedExpense.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">24424000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:LaborAndRelatedExpense id="LaborAndRelatedExpense.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">22616000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:LaborAndRelatedExpense id="LaborAndRelatedExpense.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">2502000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:LaborAndRelatedExpense id="LaborAndRelatedExpense.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">2368000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:LaborAndRelatedExpense id="LaborAndRelatedExpense.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">2394000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:LeasesOfLesseeDisclosureTextBlock id="LeasesOfLesseeDisclosureTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 15.&amp;nbsp;&amp;nbsp;LEASE COMMITMENTS&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company&amp;#39;s obligation for future minimum lease payments on operating leases at December 31, 2013, is as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; YEAR:&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FUTURE MINIMUM LEASE PAYMENTS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2014&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;712&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2015&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;682&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2016&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;625&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2017&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;511&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2018&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;366&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2019 and thereafter&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,931&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; In addition to the amounts set forth above, certain of the leases require payments by the Company for taxes, insurance, and maintenance. Rent expense included in total non-interest expense amounted to $764,000, $785,000 and $665,000, in 2013, 2012, and 2011, respectively.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:LeasesOfLesseeDisclosureTextBlock>
  <us-gaap:Liabilities id="Liabilities.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">942729000</us-gaap:Liabilities>
  <us-gaap:Liabilities id="Liabilities.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">890523000</us-gaap:Liabilities>
  <us-gaap:Liabilities id="Liabilities.4550.3923.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">14410000</us-gaap:Liabilities>
  <us-gaap:Liabilities id="Liabilities.4551.3923.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">13342000</us-gaap:Liabilities>
  <us-gaap:LiabilitiesAndStockholdersEquity id="LiabilitiesAndStockholdersEquity.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1056036000</us-gaap:LiabilitiesAndStockholdersEquity>
  <us-gaap:LiabilitiesAndStockholdersEquity id="LiabilitiesAndStockholdersEquity.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1000991000</us-gaap:LiabilitiesAndStockholdersEquity>
  <us-gaap:LiabilitiesAndStockholdersEquity id="LiabilitiesAndStockholdersEquity.4550.3923.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">127717000</us-gaap:LiabilitiesAndStockholdersEquity>
  <us-gaap:LiabilitiesAndStockholdersEquity id="LiabilitiesAndStockholdersEquity.4551.3923.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">123810000</us-gaap:LiabilitiesAndStockholdersEquity>
  <us-gaap:LifeSettlementContractsPolicy id="LifeSettlementContractsPolicy.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; BANK-OWNED LIFE INSURANCE:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company has purchased life insurance policies on certain employees. These policies are recorded on the Consolidated Balance Sheets at their cash surrender value, or the amount that can be realized. Income from these policies and changes in the cash surrender value are recorded in bank owned life insurance within non-interest income.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:LifeSettlementContractsPolicy>
  <us-gaap:LoansAndLeasesReceivableCollateralForSecuredBorrowings id="LoansAndLeasesReceivableCollateralForSecuredBorrowings.4550.5157.3273.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5157.3273.0.0.0.0" unitRef="USD" decimals="-3">3900000</us-gaap:LoansAndLeasesReceivableCollateralForSecuredBorrowings>
  <us-gaap:LoansAndLeasesReceivableCollateralForSecuredBorrowings id="LoansAndLeasesReceivableCollateralForSecuredBorrowings.4551.5157.3273.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.5157.3273.0.0.0.0" unitRef="USD" decimals="-3">4200000</us-gaap:LoansAndLeasesReceivableCollateralForSecuredBorrowings>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4550.3918.2889.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3918.2889.0.0.0.0" unitRef="USD" decimals="-3">505411000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4551.3918.2889.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3918.2889.0.0.0.0" unitRef="USD" decimals="-3">443771000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4550.5132.2889.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5132.2889.0.0.0.0" unitRef="USD" decimals="-3">15841000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4551.5132.2889.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.5132.2889.0.0.0.0" unitRef="USD" decimals="-3">20864000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4550.4705.2889.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4705.2889.0.0.0.0" unitRef="USD" decimals="-3">10081000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4551.4705.2889.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.4705.2889.0.0.0.0" unitRef="USD" decimals="-3">19918000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4550.1326.2889.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1326.2889.0.0.0.0" unitRef="USD" decimals="-3">460000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4551.1326.2889.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1326.2889.0.0.0.0" unitRef="USD" decimals="-3">1608000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4550.1070.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">120102000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4551.1070.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">102822000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4550.1077.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">411691000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4551.1077.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">383339000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">531793000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">486161000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4550.1070.2295.3918.2889.0.0" contextRef="as-of-2013-12-31.4550.0.1070.2295.3918.2889.0.0" unitRef="USD" decimals="-3">108623000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4551.1070.2295.3918.2889.0.0" contextRef="as-of-2012-12-31.4551.0.1070.2295.3918.2889.0.0" unitRef="USD" decimals="-3">99886000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4550.1070.2295.5132.2889.0.0" contextRef="as-of-2013-12-31.4550.0.1070.2295.5132.2889.0.0" unitRef="USD" decimals="-3">8880000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4551.1070.2295.5132.2889.0.0" contextRef="as-of-2012-12-31.4551.0.1070.2295.5132.2889.0.0" unitRef="USD" decimals="-3">28000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4550.1070.2295.4705.2889.0.0" contextRef="as-of-2013-12-31.4550.0.1070.2295.4705.2889.0.0" unitRef="USD" decimals="-3">2599000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4551.1070.2295.4705.2889.0.0" contextRef="as-of-2012-12-31.4551.0.1070.2295.4705.2889.0.0" unitRef="USD" decimals="-3">2908000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4550.1070.2295.1326.2889.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1070.2295.1326.2889.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4551.1070.2295.1326.2889.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.1070.2295.1326.2889.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4550.1077.2295.3918.2889.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2295.3918.2889.0.0" unitRef="USD" decimals="-3">396788000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4551.1077.2295.3918.2889.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2295.3918.2889.0.0" unitRef="USD" decimals="-3">343885000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4550.1077.2295.5132.2889.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2295.5132.2889.0.0" unitRef="USD" decimals="-3">6961000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4551.1077.2295.5132.2889.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2295.5132.2889.0.0" unitRef="USD" decimals="-3">20836000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4550.1077.2295.4705.2889.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2295.4705.2889.0.0" unitRef="USD" decimals="-3">7482000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4551.1077.2295.4705.2889.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2295.4705.2889.0.0" unitRef="USD" decimals="-3">17010000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4550.1077.2295.1326.2889.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2295.1326.2889.0.0" unitRef="USD" decimals="-3">460000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial id="LoansAndLeasesReceivableCommercial.4551.1077.2295.1326.2889.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2295.1326.2889.0.0" unitRef="USD" decimals="-3">1608000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableConsumer id="LoansAndLeasesReceivableConsumer.4550.3917.2889.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3917.2889.0.0.0.0" unitRef="USD" decimals="-3">250253000</us-gaap:LoansAndLeasesReceivableConsumer>
  <us-gaap:LoansAndLeasesReceivableConsumer id="LoansAndLeasesReceivableConsumer.4551.3917.2889.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3917.2889.0.0.0.0" unitRef="USD" decimals="-3">233800000</us-gaap:LoansAndLeasesReceivableConsumer>
  <us-gaap:LoansAndLeasesReceivableConsumer id="LoansAndLeasesReceivableConsumer.4550.3476.2889.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3476.2889.0.0.0.0" unitRef="USD" decimals="-3">1300000</us-gaap:LoansAndLeasesReceivableConsumer>
  <us-gaap:LoansAndLeasesReceivableConsumer id="LoansAndLeasesReceivableConsumer.4551.3476.2889.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3476.2889.0.0.0.0" unitRef="USD" decimals="-3">1204000</us-gaap:LoansAndLeasesReceivableConsumer>
  <us-gaap:LoansAndLeasesReceivableConsumer id="LoansAndLeasesReceivableConsumer.4550.3405.2295.3917.2889.0.0" contextRef="as-of-2013-12-31.4550.0.3405.2295.3917.2889.0.0" unitRef="USD" decimals="-3">234450000</us-gaap:LoansAndLeasesReceivableConsumer>
  <us-gaap:LoansAndLeasesReceivableConsumer id="LoansAndLeasesReceivableConsumer.4551.3405.2295.3917.2889.0.0" contextRef="as-of-2012-12-31.4551.0.3405.2295.3917.2889.0.0" unitRef="USD" decimals="-3">216393000</us-gaap:LoansAndLeasesReceivableConsumer>
  <us-gaap:LoansAndLeasesReceivableConsumer id="LoansAndLeasesReceivableConsumer.4550.1175.2295.3917.2889.0.0" contextRef="as-of-2013-12-31.4550.0.1175.2295.3917.2889.0.0" unitRef="USD" decimals="-3">15803000</us-gaap:LoansAndLeasesReceivableConsumer>
  <us-gaap:LoansAndLeasesReceivableConsumer id="LoansAndLeasesReceivableConsumer.4551.1175.2295.3917.2889.0.0" contextRef="as-of-2012-12-31.4551.0.1175.2295.3917.2889.0.0" unitRef="USD" decimals="-3">17407000</us-gaap:LoansAndLeasesReceivableConsumer>
  <us-gaap:LoansAndLeasesReceivableConsumer id="LoansAndLeasesReceivableConsumer.4550.3405.2295.3476.2889.0.0" contextRef="as-of-2013-12-31.4550.0.3405.2295.3476.2889.0.0" unitRef="USD" decimals="-3">1239000</us-gaap:LoansAndLeasesReceivableConsumer>
  <us-gaap:LoansAndLeasesReceivableConsumer id="LoansAndLeasesReceivableConsumer.4551.3405.2295.3476.2889.0.0" contextRef="as-of-2012-12-31.4551.0.3405.2295.3476.2889.0.0" unitRef="USD" decimals="-3">1191000</us-gaap:LoansAndLeasesReceivableConsumer>
  <us-gaap:LoansAndLeasesReceivableConsumer id="LoansAndLeasesReceivableConsumer.4550.1175.2295.3476.2889.0.0" contextRef="as-of-2013-12-31.4550.0.1175.2295.3476.2889.0.0" unitRef="USD" decimals="-3">61000</us-gaap:LoansAndLeasesReceivableConsumer>
  <us-gaap:LoansAndLeasesReceivableConsumer id="LoansAndLeasesReceivableConsumer.4551.1175.2295.3476.2889.0.0" contextRef="as-of-2012-12-31.4551.0.1175.2295.3476.2889.0.0" unitRef="USD" decimals="-3">13000</us-gaap:LoansAndLeasesReceivableConsumer>
  <us-gaap:LoansAndLeasesReceivableDeferredIncome id="LoansAndLeasesReceivableDeferredIncome.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">581000</us-gaap:LoansAndLeasesReceivableDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableDeferredIncome id="LoansAndLeasesReceivableDeferredIncome.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">637000</us-gaap:LoansAndLeasesReceivableDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableGrossCarryingAmount id="LoansAndLeasesReceivableGrossCarryingAmount.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">783927000</us-gaap:LoansAndLeasesReceivableGrossCarryingAmount>
  <us-gaap:LoansAndLeasesReceivableGrossCarryingAmount id="LoansAndLeasesReceivableGrossCarryingAmount.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">721802000</us-gaap:LoansAndLeasesReceivableGrossCarryingAmount>
  <us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest id="LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.4550.1070.2302.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.1070.2302.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest id="LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.4551.1070.2302.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.1070.2302.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest id="LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.4550.1077.2302.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2302.0.0.0.0" unitRef="USD" decimals="-3">1632000</us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest>
  <us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest id="LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.4551.1077.2302.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2302.0.0.0.0" unitRef="USD" decimals="-3">4623000</us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest>
  <us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest id="LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.4550.3405.2302.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3405.2302.0.0.0.0" unitRef="USD" decimals="-3">1239000</us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest>
  <us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest id="LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.4551.3405.2302.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3405.2302.0.0.0.0" unitRef="USD" decimals="-3">1191000</us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest>
  <us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest id="LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2871000</us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest>
  <us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest id="LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">5814000</us-gaap:LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest>
  <us-gaap:LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome id="LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">178000</us-gaap:LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome>
  <us-gaap:LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome id="LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">231000</us-gaap:LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome>
  <us-gaap:LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome id="LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">376000</us-gaap:LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome>
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome id="LoansAndLeasesReceivableNetOfDeferredIncome.4550.1070.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">120102000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome id="LoansAndLeasesReceivableNetOfDeferredIncome.4551.1070.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">102822000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome id="LoansAndLeasesReceivableNetOfDeferredIncome.4550.1077.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">411691000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome id="LoansAndLeasesReceivableNetOfDeferredIncome.4551.1077.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">383339000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome id="LoansAndLeasesReceivableNetOfDeferredIncome.4550.3405.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">235689000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome id="LoansAndLeasesReceivableNetOfDeferredIncome.4551.3405.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">217584000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome id="LoansAndLeasesReceivableNetOfDeferredIncome.4550.1175.2295.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">15864000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome id="LoansAndLeasesReceivableNetOfDeferredIncome.4551.1175.2295.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">17420000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome id="LoansAndLeasesReceivableNetOfDeferredIncome.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">783346000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome id="LoansAndLeasesReceivableNetOfDeferredIncome.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">721165000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <us-gaap:LoansAndLeasesReceivableNetReportedAmount id="LoansAndLeasesReceivableNetReportedAmount.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">773242000</us-gaap:LoansAndLeasesReceivableNetReportedAmount>
  <us-gaap:LoansAndLeasesReceivableNetReportedAmount id="LoansAndLeasesReceivableNetReportedAmount.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">708594000</us-gaap:LoansAndLeasesReceivableNetReportedAmount>
  <us-gaap:LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy id="LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; LOAN FEES:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Loan origination and commitment fees, net of associated direct costs, are deferred and amortized into interest and fees on loans over the loan or commitment period. Fee amortization is determined by the effective interest method.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy>
  <us-gaap:LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans id="LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0052</us-gaap:LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans>
  <us-gaap:LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans id="LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="pure" decimals="2">0.01</us-gaap:LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans>
  <us-gaap:LoansAndLeasesReceivableRelatedParties id="LoansAndLeasesReceivableRelatedParties.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">853000</us-gaap:LoansAndLeasesReceivableRelatedParties>
  <us-gaap:LoansAndLeasesReceivableRelatedParties id="LoansAndLeasesReceivableRelatedParties.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1000000</us-gaap:LoansAndLeasesReceivableRelatedParties>
  <us-gaap:LoansHeldForSaleFairValueDisclosure id="LoansHeldForSaleFairValueDisclosure.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3453000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <us-gaap:LoansHeldForSaleFairValueDisclosure id="LoansHeldForSaleFairValueDisclosure.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10722000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <us-gaap:LoansHeldForSaleFairValueDisclosure id="LoansHeldForSaleFairValueDisclosure.4550.2138.1998.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2138.1998.0.0.0.0" unitRef="USD" decimals="-3">3453000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <us-gaap:LoansHeldForSaleFairValueDisclosure id="LoansHeldForSaleFairValueDisclosure.4551.2138.1998.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2138.1998.0.0.0.0" unitRef="USD" decimals="-3">10722000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <us-gaap:LoansHeldForSaleFairValueDisclosure id="LoansHeldForSaleFairValueDisclosure.4550.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:LoansHeldForSaleFairValueDisclosure id="LoansHeldForSaleFairValueDisclosure.4551.2129.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2129.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:LoansHeldForSaleFairValueDisclosure id="LoansHeldForSaleFairValueDisclosure.4550.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:LoansHeldForSaleFairValueDisclosure id="LoansHeldForSaleFairValueDisclosure.4551.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:LoansHeldForSaleMortgages id="LoansHeldForSaleMortgages.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3402000</us-gaap:LoansHeldForSaleMortgages>
  <us-gaap:LoansHeldForSaleMortgages id="LoansHeldForSaleMortgages.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10576000</us-gaap:LoansHeldForSaleMortgages>
  <us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock id="LoansNotesTradeAndOtherReceivablesDisclosureTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 4.&amp;nbsp;&amp;nbsp;LOANS&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The loan portfolio of the Company consisted of the following:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;120,102&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 102,822&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;411,691&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 383,339&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;235,689&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 217,584&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,864&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 17,420&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Loans, net of unearned income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;783,346&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 721,165&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Loan balances at December 31, 2013 and 2012 are net of unearned income of $581,000 and $637,000, respectively. Real estate construction loans comprised 3.0% and 2.0% of total loans net of unearned income at December 31, 2013 and 2012, respectively. The Company has no exposure to subprime mortgage loans in either the loan or investment portfolios. The Company has no direct loan exposure to foreign countries. Additionally, the Company has no significant industry lending concentrations. As of December 31, 2013 and 2012, loans to customers engaged in similar activities and having similar economic characteristics, as defined by standard industrial classifications, did not exceed 10% of total loans. Additionally, the majority of the Company&amp;#39;s lending occurs within a 150 mile radius of the Johnstown market.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; In the ordinary course of business, the subsidiaries have transactions, including loans, with their officers, directors, and their affiliated companies. In management&amp;#39;s opinion, these transactions were on substantially the same terms as those prevailing at the time for comparable transactions with unaffiliated parties and do not involve more than the normal credit risk. These loans totaled $853,000 and $1.0 million at December 31, 2013 and 2012, respectively.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock>
  <us-gaap:LoansReceivableFairValueDisclosure id="LoansReceivableFairValueDisclosure.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">771460000</us-gaap:LoansReceivableFairValueDisclosure>
  <us-gaap:LoansReceivableFairValueDisclosure id="LoansReceivableFairValueDisclosure.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">716756000</us-gaap:LoansReceivableFairValueDisclosure>
  <us-gaap:LoansReceivableFairValueDisclosure id="LoansReceivableFairValueDisclosure.4550.2129.1998.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2129.1998.0.0.0.0" unitRef="USD" decimals="-3">771460000</us-gaap:LoansReceivableFairValueDisclosure>
  <us-gaap:LoansReceivableFairValueDisclosure id="LoansReceivableFairValueDisclosure.4551.2129.1998.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2129.1998.0.0.0.0" unitRef="USD" decimals="-3">716756000</us-gaap:LoansReceivableFairValueDisclosure>
  <us-gaap:LoansReceivableFairValueDisclosure id="LoansReceivableFairValueDisclosure.4550.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:LoansReceivableFairValueDisclosure id="LoansReceivableFairValueDisclosure.4551.2139.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2139.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:LoansReceivableFairValueDisclosure id="LoansReceivableFairValueDisclosure.4550.2138.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2138.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:LoansReceivableFairValueDisclosure id="LoansReceivableFairValueDisclosure.4551.2138.1998.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2138.1998.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:LongTermDebtTextBlock id="LongTermDebtTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 10.&amp;nbsp;&amp;nbsp;ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR&lt;br /&gt; &amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;SUBORDINATED DEFERRABLE INTEREST DEBENTURES&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Borrowings and advances from the FHLB consist of the following:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; MATURING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;WEIGHTED AVERAGE YIELD&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;BALANCE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Overnight&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.25%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;41,555&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2015&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.52&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2016&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.81&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2017&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.07&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;7,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2018&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.47&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total advances&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.89&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;25,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total FHLB borrowings&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.49%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;66,555&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; MATURING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;WEIGHTED AVERAGE YIELD&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;BALANCE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Overnight&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.25&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 15,660&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2015&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.52&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,000&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2016&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.74&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,000&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2017&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; 0.92&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 4,000&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total advances&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; 0.73&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 13,000&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total FHLB borrowings&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; 0.47&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 28,660&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company&amp;#39;s subsidiary Bank is a member of the FHLB which provides this subsidiary with the opportunity to obtain short to longer-term advances based upon the Company&amp;#39;s investment in assets secured by one- to four-family residential real estate and certain types of commercial real estate. The rate on open repo plus advances, which are typically overnight borrowings, can change daily, while the rate on the advances is fixed until the maturity of the advance. All FHLB stock along with an interest in certain residential mortgage and commercial real-estate loans with an aggregate statutory value equal to the amount of the advances, are pledged as collateral to the FHLB of Pittsburgh to support these borrowings. At December 31, 2013, the Company had immediately available $318 million of overnight borrowing capability at the FHLB and $81 million of unsecured federal funds lines with correspondent banks.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Guaranteed Junior Subordinated Deferrable Interest Debentures:&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; On April 28, 1998, the Company completed a $34.5 million public offering of 8.45% Trust Preferred Securities, which represent undivided beneficial interests in the assets of a Delaware business trust, AmeriServ Financial Capital Trust I. The Trust Preferred Securities will mature on June 30, 2028, and are callable at par at the option of the Company after June 30, 2003. Proceeds of the issue were invested by AmeriServ Financial Capital Trust I in Junior Subordinated Debentures issued by AmeriServ Financial, Inc. Unamortized deferred issuance costs associated with the Trust Preferred Securities amounted to $224,000 as of December 31, 2013 and are included in other assets on the Consolidated Balance Sheets, and are being amortized on a straight-line basis over the term of the issue. The Trust Preferred securities are listed on NASDAQ under the symbol ASRVP. The Company used $22.5 million of proceeds from a private placement of common stock to redeem Trust Preferred Securities in 2005 and 2004. The balance as of December 31, 2013 and 2012 was $13.1 million.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:LongTermDebtTextBlock>
  <us-gaap:LossContingencyRangeOfPossibleLossMaximum id="LossContingencyRangeOfPossibleLossMaximum.4550.1080.3273.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1080.3273.0.0.0.0" unitRef="USD" decimals="-3">146008000</us-gaap:LossContingencyRangeOfPossibleLossMaximum>
  <us-gaap:LossContingencyRangeOfPossibleLossMaximum id="LossContingencyRangeOfPossibleLossMaximum.4551.1080.3273.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1080.3273.0.0.0.0" unitRef="USD" decimals="-3">132804000</us-gaap:LossContingencyRangeOfPossibleLossMaximum>
  <us-gaap:LossContingencyRangeOfPossibleLossMaximum id="LossContingencyRangeOfPossibleLossMaximum.4550.5157.3273.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5157.3273.0.0.0.0" unitRef="USD" decimals="-3">13229000</us-gaap:LossContingencyRangeOfPossibleLossMaximum>
  <us-gaap:LossContingencyRangeOfPossibleLossMaximum id="LossContingencyRangeOfPossibleLossMaximum.4551.5157.3273.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.5157.3273.0.0.0.0" unitRef="USD" decimals="-3">11365000</us-gaap:LossContingencyRangeOfPossibleLossMaximum>
  <us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations id="NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">54693000</us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations id="NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">20979000</us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations id="NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">18726000</us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations id="NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">-1946000</us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations id="NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">-5245000</us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations id="NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">-2461000</us-gaap:NetCashProvidedByUsedInFinancingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations id="NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-66301000</us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations id="NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-32154000</us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations id="NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-14074000</us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations id="NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">-1379000</us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations id="NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">732000</us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations id="NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">2893000</us-gaap:NetCashProvidedByUsedInInvestingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations id="NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">14854000</us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations id="NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3212000</us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations id="NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10794000</us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations id="NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">3801000</us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations id="NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">6168000</us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations>
  <us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations id="NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">1366000</us-gaap:NetCashProvidedByUsedInOperatingActivitiesContinuingOperations>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">5193000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">5039000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6537000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4614.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-03-31.4614.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1565000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4615.0.0.0.0.0.0" contextRef="from-2012-04-01-to-2012-06-30.4615.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1432000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4616.0.0.0.0.0.0" contextRef="from-2012-07-01-to-2012-09-30.4616.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1307000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4617.0.0.0.0.0.0" contextRef="from-2012-10-01-to-2012-12-31.4617.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">735000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4618.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-03-31.4618.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1056000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4619.0.0.0.0.0.0" contextRef="from-2013-04-01-to-2013-06-30.4619.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1070000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4620.0.0.0.0.0.0" contextRef="from-2013-07-01-to-2013-09-30.4620.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1226000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4621.0.0.0.0.0.0" contextRef="from-2013-10-01-to-2013-12-31.4621.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1841000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4554.4652.5169.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4652.5169.0.0.0.0" unitRef="USD" decimals="-3">5193000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4555.4652.5169.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4652.5169.0.0.0.0" unitRef="USD" decimals="-3">5039000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4556.4652.5169.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4652.5169.0.0.0.0" unitRef="USD" decimals="-3">6537000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4554.36870.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">2792000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4555.36870.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">3150000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4556.36870.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">2068000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4554.36783.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">5023000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4555.36783.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">4685000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4556.36783.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">6941000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4554.36884.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">1202000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4555.36884.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">945000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4556.36884.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">795000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4554.37283.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">-3824000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4555.37283.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">-3741000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4556.37283.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">-3267000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">5193000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">5039000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss id="NetIncomeLoss.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">6537000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic id="NetIncomeLossAvailableToCommonStockholdersBasic.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4984000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
  <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic id="NetIncomeLossAvailableToCommonStockholdersBasic.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4211000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
  <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic id="NetIncomeLossAvailableToCommonStockholdersBasic.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">5152000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
  <us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock id="NewAccountingPronouncementsPolicyPolicyTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; RECENT ACCOUNTING STANDARDS:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; In July 2013, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2013-11, &lt;em&gt;Income Taxes (Topic 740): Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists.&lt;/em&gt; This Update applies to all entities that have unrecognized tax benefits when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists at the reporting date. An unrecognized tax benefit, or a portion of an unrecognized tax benefit, should be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except as follows. To the extent a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date under the tax law of the applicable jurisdiction to settle any additional income taxes that would result from the disallowance of a tax position or the tax law of the applicable jurisdiction does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose, the unrecognized tax benefit should be presented in the financial statements as a liability and should not be combined with deferred tax assets. The assessment of whether a deferred tax asset is available is based on the unrecognized tax benefit and deferred tax asset that exist at the reporting date and should be made presuming disallowance of the tax position at the reporting date. The amendments in this Update are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. Early adoption is permitted. The amendments should be applied prospectively to all unrecognized tax benefits that exist at the effective date. Retrospective application is permitted. This ASU did not have a significant impact on the Company&amp;#39;s financial statements.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; In January 2014, the FASB issued ASU 2014-04, &lt;em&gt;Receivables&amp;nbsp;-&amp;nbsp;Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.&lt;/em&gt; The amendments in this Update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in this Update using either a modified retrospective transition method or a prospective transition method. This ASU is not expected to have a significant impact on the Company&amp;#39;s financial statements.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock>
  <us-gaap:NoninterestBearingDepositLiabilities id="NoninterestBearingDepositLiabilities.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">154002000</us-gaap:NoninterestBearingDepositLiabilities>
  <us-gaap:NoninterestBearingDepositLiabilities id="NoninterestBearingDepositLiabilities.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">156223000</us-gaap:NoninterestBearingDepositLiabilities>
  <us-gaap:NoninterestBearingDomesticDepositDemand id="NoninterestBearingDomesticDepositDemand.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">154002000</us-gaap:NoninterestBearingDomesticDepositDemand>
  <us-gaap:NoninterestBearingDomesticDepositDemand id="NoninterestBearingDomesticDepositDemand.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">156223000</us-gaap:NoninterestBearingDomesticDepositDemand>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">42223000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">40641000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">40037000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4614.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-03-31.4614.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10114000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4615.0.0.0.0.0.0" contextRef="from-2012-04-01-to-2012-06-30.4615.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10067000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4616.0.0.0.0.0.0" contextRef="from-2012-07-01-to-2012-09-30.4616.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10087000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4617.0.0.0.0.0.0" contextRef="from-2012-10-01-to-2012-12-31.4617.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10373000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4618.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-03-31.4618.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10622000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4619.0.0.0.0.0.0" contextRef="from-2013-04-01-to-2013-06-30.4619.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10442000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4620.0.0.0.0.0.0" contextRef="from-2013-07-01-to-2013-09-30.4620.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10413000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4621.0.0.0.0.0.0" contextRef="from-2013-10-01-to-2013-12-31.4621.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10746000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4554.36870.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">22870000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4555.36870.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">22802000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4556.36870.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">23470000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4554.36783.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">10148000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4555.36783.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">8970000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4556.36783.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">7833000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4554.36884.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">6605000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4555.36884.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">6387000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4556.36884.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">6118000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4554.37283.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">2600000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4555.37283.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">2482000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense id="NoninterestExpense.4556.37283.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">2616000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">15744000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">14943000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">13569000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4614.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-03-31.4614.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3674000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4615.0.0.0.0.0.0" contextRef="from-2012-04-01-to-2012-06-30.4615.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3733000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4616.0.0.0.0.0.0" contextRef="from-2012-07-01-to-2012-09-30.4616.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3649000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4617.0.0.0.0.0.0" contextRef="from-2012-10-01-to-2012-12-31.4617.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3887000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4618.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-03-31.4618.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3816000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4619.0.0.0.0.0.0" contextRef="from-2013-04-01-to-2013-06-30.4619.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4075000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4620.0.0.0.0.0.0" contextRef="from-2013-07-01-to-2013-09-30.4620.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3986000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4621.0.0.0.0.0.0" contextRef="from-2013-10-01-to-2013-12-31.4621.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3867000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4554.36870.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">6512000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4555.36870.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">6565000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4556.36870.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">6055000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4554.36783.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">642000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4555.36783.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">585000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4556.36783.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">597000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4554.36884.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">8391000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4555.36884.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">7784000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4556.36884.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36884.5172.0.0.0.0" unitRef="USD" decimals="-3">7282000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4554.37283.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">199000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4555.37283.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">9000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome id="NoninterestIncome.4556.37283.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.37283.5172.0.0.0.0" unitRef="USD" decimals="-3">-365000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncomeOtherOperatingIncome id="NoninterestIncomeOtherOperatingIncome.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3468000</us-gaap:NoninterestIncomeOtherOperatingIncome>
  <us-gaap:NoninterestIncomeOtherOperatingIncome id="NoninterestIncomeOtherOperatingIncome.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3473000</us-gaap:NoninterestIncomeOtherOperatingIncome>
  <us-gaap:NoninterestIncomeOtherOperatingIncome id="NoninterestIncomeOtherOperatingIncome.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3062000</us-gaap:NoninterestIncomeOtherOperatingIncome>
  <us-gaap:NumberOfStores id="NumberOfStores.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="0">18</us-gaap:NumberOfStores>
  <us-gaap:OccupancyNet id="OccupancyNet.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2937000</us-gaap:OccupancyNet>
  <us-gaap:OccupancyNet id="OccupancyNet.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2800000</us-gaap:OccupancyNet>
  <us-gaap:OccupancyNet id="OccupancyNet.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2900000</us-gaap:OccupancyNet>
  <us-gaap:OffBalanceSheetCreditExposurePolicyPolicyTextBlock id="OffBalanceSheetCreditExposurePolicyPolicyTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The allowance for unfunded loan commitments and letters of credit is maintained at a level believed by management to be sufficient to absorb estimated losses related to these unfunded credit facilities. The determination of the adequacy of the allowance is based on periodic evaluations of the unfunded credit facilities including an assessment of the probability of commitment usage, credit risk factors for loans outstanding to these same customers and the terms and expiration dates of the unfunded credit facilities. Net adjustments to the allowance for unfunded loan commitments and letters of credit are provided for in the unfunded commitment reserve expense line item within other expense in the Consolidated Statements of Operations and a separate reserve is recorded within the other liabilities section of the Consolidated Balance Sheets in other liabilities.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:OffBalanceSheetCreditExposurePolicyPolicyTextBlock>
  <us-gaap:OperatingLeasesFutureMinimumPaymentsDueCurrent id="OperatingLeasesFutureMinimumPaymentsDueCurrent.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">712000</us-gaap:OperatingLeasesFutureMinimumPaymentsDueCurrent>
  <us-gaap:OperatingLeasesFutureMinimumPaymentsDueInFiveYears id="OperatingLeasesFutureMinimumPaymentsDueInFiveYears.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">366000</us-gaap:OperatingLeasesFutureMinimumPaymentsDueInFiveYears>
  <us-gaap:OperatingLeasesFutureMinimumPaymentsDueInFourYears id="OperatingLeasesFutureMinimumPaymentsDueInFourYears.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">511000</us-gaap:OperatingLeasesFutureMinimumPaymentsDueInFourYears>
  <us-gaap:OperatingLeasesFutureMinimumPaymentsDueInThreeYears id="OperatingLeasesFutureMinimumPaymentsDueInThreeYears.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">625000</us-gaap:OperatingLeasesFutureMinimumPaymentsDueInThreeYears>
  <us-gaap:OperatingLeasesFutureMinimumPaymentsDueInTwoYears id="OperatingLeasesFutureMinimumPaymentsDueInTwoYears.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">682000</us-gaap:OperatingLeasesFutureMinimumPaymentsDueInTwoYears>
  <us-gaap:OperatingLeasesFutureMinimumPaymentsDueThereafter id="OperatingLeasesFutureMinimumPaymentsDueThereafter.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1931000</us-gaap:OperatingLeasesFutureMinimumPaymentsDueThereafter>
  <us-gaap:OperatingLeasesRentExpenseNet id="OperatingLeasesRentExpenseNet.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">764000</us-gaap:OperatingLeasesRentExpenseNet>
  <us-gaap:OperatingLeasesRentExpenseNet id="OperatingLeasesRentExpenseNet.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">785000</us-gaap:OperatingLeasesRentExpenseNet>
  <us-gaap:OperatingLeasesRentExpenseNet id="OperatingLeasesRentExpenseNet.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">665000</us-gaap:OperatingLeasesRentExpenseNet>
  <us-gaap:OperatingLossCarryforwards id="OperatingLossCarryforwards.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3800000</us-gaap:OperatingLossCarryforwards>
  <us-gaap:OperatingLossCarryforwardsExpirationDate id="OperatingLossCarryforwardsExpirationDate.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">2025-01-01</us-gaap:OperatingLossCarryforwardsExpirationDate>
  <us-gaap:OtherAssets id="OtherAssets.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">7478000</us-gaap:OtherAssets>
  <us-gaap:OtherAssets id="OtherAssets.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6940000</us-gaap:OtherAssets>
  <us-gaap:OtherAssets id="OtherAssets.4550.3923.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">4352000</us-gaap:OtherAssets>
  <us-gaap:OtherAssets id="OtherAssets.4551.3923.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">2713000</us-gaap:OtherAssets>
  <us-gaap:OtherBorrowings id="OtherBorrowings.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">38085000</us-gaap:OtherBorrowings>
  <us-gaap:OtherBorrowings id="OtherBorrowings.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">26085000</us-gaap:OtherBorrowings>
  <us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent id="OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-135000</us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent id="OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-1595000</us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent id="OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-162000</us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent id="OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-3942000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent id="OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2128000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent id="OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1803000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent id="OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-1340000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent id="OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">725000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent id="OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">613000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax id="OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-19000</us-gaap:OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax>
  <us-gaap:OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax id="OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-19000</us-gaap:OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax>
  <us-gaap:OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax id="OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.4556.4013.1518.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">7000</us-gaap:OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax>
  <us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent id="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-496000</us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent id="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-1719000</us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent id="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1202000</us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent id="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.4554.465.3750.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.465.3750.0.0.0.0" unitRef="USD" decimals="-3">-3098000</us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent id="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.4554.4013.3750.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.3750.0.0.0.0" unitRef="USD" decimals="-3">2602000</us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent id="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.4554.466.5169.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.466.5169.0.0.0.0" unitRef="USD" decimals="-3">-496000</us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent id="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.4555.466.5169.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.466.5169.0.0.0.0" unitRef="USD" decimals="-3">-1719000</us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent id="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.4556.466.5169.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.466.5169.0.0.0.0" unitRef="USD" decimals="-3">1202000</us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent>
  <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax id="OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-4180000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax>
  <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax id="OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">1318000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax>
  <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax id="OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.4556.4013.1518.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">2300000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax>
  <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax id="OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">2832000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax>
  <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax id="OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-2376000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax>
  <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax id="OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax.4556.4013.1518.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-3090000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax>
  <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax id="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">204000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax>
  <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax id="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">12000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax>
  <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax id="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-358000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax>
  <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax id="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">135000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax>
  <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax id="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax>
  <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax id="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-236000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax>
  <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax id="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">69000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax>
  <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax id="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax>
  <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax id="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-122000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax>
  <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax id="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">669000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax>
  <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax id="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-1375000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax>
  <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax id="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-1094000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax>
  <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax id="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.4556.4013.1518.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">-800000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax>
  <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax id="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">441000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax>
  <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax id="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-228000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax>
  <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax id="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.4554.4013.1518.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">8000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax>
  <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax id="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.4555.4013.1518.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">17000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax>
  <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax id="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.4556.4013.1518.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.4013.1518.0.0.0.0" unitRef="USD" decimals="-3">17000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax>
  <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax id="OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-4489000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax>
  <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax id="OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-466000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax>
  <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax id="OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3266000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax>
  <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax id="OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-1526000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax>
  <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax id="OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-158000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax>
  <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax id="OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1110000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax>
  <us-gaap:OtherDepreciationAndAmortization id="OtherDepreciationAndAmortization.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1683000</us-gaap:OtherDepreciationAndAmortization>
  <us-gaap:OtherDepreciationAndAmortization id="OtherDepreciationAndAmortization.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1523000</us-gaap:OtherDepreciationAndAmortization>
  <us-gaap:OtherDepreciationAndAmortization id="OtherDepreciationAndAmortization.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1477000</us-gaap:OtherDepreciationAndAmortization>
  <us-gaap:OtherLiabilities id="OtherLiabilities.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8567000</us-gaap:OtherLiabilities>
  <us-gaap:OtherLiabilities id="OtherLiabilities.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">13044000</us-gaap:OtherLiabilities>
  <us-gaap:OtherLiabilities id="OtherLiabilities.4550.3923.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">1325000</us-gaap:OtherLiabilities>
  <us-gaap:OtherLiabilities id="OtherLiabilities.4551.3923.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">257000</us-gaap:OtherLiabilities>
  <us-gaap:OtherNoninterestExpense id="OtherNoninterestExpense.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">5105000</us-gaap:OtherNoninterestExpense>
  <us-gaap:OtherNoninterestExpense id="OtherNoninterestExpense.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">5073000</us-gaap:OtherNoninterestExpense>
  <us-gaap:OtherNoninterestExpense id="OtherNoninterestExpense.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">5124000</us-gaap:OtherNoninterestExpense>
  <us-gaap:OtherNoninterestExpense id="OtherNoninterestExpense.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">1608000</us-gaap:OtherNoninterestExpense>
  <us-gaap:OtherNoninterestExpense id="OtherNoninterestExpense.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">1582000</us-gaap:OtherNoninterestExpense>
  <us-gaap:OtherNoninterestExpense id="OtherNoninterestExpense.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">1477000</us-gaap:OtherNoninterestExpense>
  <us-gaap:OtherOperatingActivitiesCashFlowStatement id="OtherOperatingActivitiesCashFlowStatement.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">-718000</us-gaap:OtherOperatingActivitiesCashFlowStatement>
  <us-gaap:OtherOperatingActivitiesCashFlowStatement id="OtherOperatingActivitiesCashFlowStatement.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">-989000</us-gaap:OtherOperatingActivitiesCashFlowStatement>
  <us-gaap:OtherOperatingActivitiesCashFlowStatement id="OtherOperatingActivitiesCashFlowStatement.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">-285000</us-gaap:OtherOperatingActivitiesCashFlowStatement>
  <us-gaap:OtherRealEstate id="OtherRealEstate.4550.1077.2302.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1077.2302.0.0.0.0" unitRef="USD" decimals="-3">344000</us-gaap:OtherRealEstate>
  <us-gaap:OtherRealEstate id="OtherRealEstate.4551.1077.2302.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1077.2302.0.0.0.0" unitRef="USD" decimals="-3">1101000</us-gaap:OtherRealEstate>
  <us-gaap:OtherRealEstate id="OtherRealEstate.4550.3405.2302.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3405.2302.0.0.0.0" unitRef="USD" decimals="-3">673000</us-gaap:OtherRealEstate>
  <us-gaap:OtherRealEstate id="OtherRealEstate.4551.3405.2302.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3405.2302.0.0.0.0" unitRef="USD" decimals="-3">127000</us-gaap:OtherRealEstate>
  <us-gaap:OtherRealEstate id="OtherRealEstate.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1017000</us-gaap:OtherRealEstate>
  <us-gaap:OtherRealEstate id="OtherRealEstate.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1228000</us-gaap:OtherRealEstate>
  <us-gaap:OtherShortTermInvestments id="OtherShortTermInvestments.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6811000</us-gaap:OtherShortTermInvestments>
  <us-gaap:OtherShortTermInvestments id="OtherShortTermInvestments.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">7282000</us-gaap:OtherShortTermInvestments>
  <us-gaap:OtherShortTermInvestments id="OtherShortTermInvestments.4550.3923.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">6561000</us-gaap:OtherShortTermInvestments>
  <us-gaap:OtherShortTermInvestments id="OtherShortTermInvestments.4551.3923.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">6085000</us-gaap:OtherShortTermInvestments>
  <us-gaap:PastDueFinancingReceivablesTableTextBlock id="PastDueFinancingReceivablesTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="27"&gt;December 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CURRENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;30&amp;nbsp;-&amp;nbsp;59 DAYS PAST DUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;60&amp;nbsp;-&amp;nbsp;89 DAYS PAST DUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;90 DAYS PAST DUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL PAST DUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL LOANS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;90 DAYS PAST DUE AND STILL ACCRUING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="27"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;120,102&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;120,102&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;410,619&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;457&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;615&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,072&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;411,691&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;231,740&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,232&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;670&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,047&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,949&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;235,689&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,804&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;33&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;27&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;60&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,864&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;778,265&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,722&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;697&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,662&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,081&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;783,346&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="27"&gt;December 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;CURRENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;30&amp;nbsp;-&amp;nbsp;59 DAYS PAST DUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;60&amp;nbsp;-&amp;nbsp;89 DAYS PAST DUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;90 DAYS PAST DUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL PAST DUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL LOANS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;90 DAYS PAST DUE AND STILL ACCRUING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="27"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 102,775&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;47&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;47&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 102,822&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 379,834&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,545&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;960&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,505&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 383,339&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 213,300&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,240&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;303&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;741&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,284&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 217,584&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 17,371&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 16&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 33&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 49&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 17,420&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 713,280&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 3,256&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,928&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,701&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 7,885&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 721,165&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:PastDueFinancingReceivablesTableTextBlock>
  <us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale id="PaymentsForOriginationOfMortgageLoansHeldForSale.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">60826000</us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale>
  <us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale id="PaymentsForOriginationOfMortgageLoansHeldForSale.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">76688000</us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale>
  <us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale id="PaymentsForOriginationOfMortgageLoansHeldForSale.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">58640000</us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale>
  <us-gaap:PaymentsForProceedsFromFederalHomeLoanBankStock id="PaymentsForProceedsFromFederalHomeLoanBankStock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-5367000</us-gaap:PaymentsForProceedsFromFederalHomeLoanBankStock>
  <us-gaap:PaymentsForProceedsFromFederalHomeLoanBankStock id="PaymentsForProceedsFromFederalHomeLoanBankStock.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-1712000</us-gaap:PaymentsForProceedsFromFederalHomeLoanBankStock>
  <us-gaap:PaymentsForProceedsFromFederalHomeLoanBankStock id="PaymentsForProceedsFromFederalHomeLoanBankStock.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-1342000</us-gaap:PaymentsForProceedsFromFederalHomeLoanBankStock>
  <us-gaap:PaymentsForProceedsFromLoansAndLeases id="PaymentsForProceedsFromLoansAndLeases.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">205549000</us-gaap:PaymentsForProceedsFromLoansAndLeases>
  <us-gaap:PaymentsForProceedsFromLoansAndLeases id="PaymentsForProceedsFromLoansAndLeases.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">232685000</us-gaap:PaymentsForProceedsFromLoansAndLeases>
  <us-gaap:PaymentsForProceedsFromLoansAndLeases id="PaymentsForProceedsFromLoansAndLeases.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">147864000</us-gaap:PaymentsForProceedsFromLoansAndLeases>
  <us-gaap:PaymentsForRepurchaseOfCommonStock id="PaymentsForRepurchaseOfCommonStock.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">1171000</us-gaap:PaymentsForRepurchaseOfCommonStock>
  <us-gaap:PaymentsForRepurchaseOfCommonStock id="PaymentsForRepurchaseOfCommonStock.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">4417000</us-gaap:PaymentsForRepurchaseOfCommonStock>
  <us-gaap:PaymentsForRepurchaseOfCommonStock id="PaymentsForRepurchaseOfCommonStock.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">582000</us-gaap:PaymentsForRepurchaseOfCommonStock>
  <us-gaap:PaymentsForRepurchaseOfEquity id="PaymentsForRepurchaseOfEquity.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1171000</us-gaap:PaymentsForRepurchaseOfEquity>
  <us-gaap:PaymentsForRepurchaseOfEquity id="PaymentsForRepurchaseOfEquity.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4417000</us-gaap:PaymentsForRepurchaseOfEquity>
  <us-gaap:PaymentsForRepurchaseOfEquity id="PaymentsForRepurchaseOfEquity.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">582000</us-gaap:PaymentsForRepurchaseOfEquity>
  <us-gaap:PaymentsForRepurchaseOfWarrants id="PaymentsForRepurchaseOfWarrants.4554.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:PaymentsForRepurchaseOfWarrants id="PaymentsForRepurchaseOfWarrants.4555.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:PaymentsForRepurchaseOfWarrants id="PaymentsForRepurchaseOfWarrants.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">825000</us-gaap:PaymentsForRepurchaseOfWarrants>
  <us-gaap:PaymentsForRepurchaseOfWarrants id="PaymentsForRepurchaseOfWarrants.4554.3923.136.0.0.0.0" xsi:nil="true" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:PaymentsForRepurchaseOfWarrants id="PaymentsForRepurchaseOfWarrants.4555.3923.136.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:PaymentsForRepurchaseOfWarrants id="PaymentsForRepurchaseOfWarrants.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">825000</us-gaap:PaymentsForRepurchaseOfWarrants>
  <us-gaap:PaymentsOfDividendsCommonStock id="PaymentsOfDividendsCommonStock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">566000</us-gaap:PaymentsOfDividendsCommonStock>
  <us-gaap:PaymentsOfDividendsCommonStock id="PaymentsOfDividendsCommonStock.4555.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:PaymentsOfDividendsCommonStock id="PaymentsOfDividendsCommonStock.4556.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:PaymentsOfDividendsCommonStock id="PaymentsOfDividendsCommonStock.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">566000</us-gaap:PaymentsOfDividendsCommonStock>
  <us-gaap:PaymentsOfDividendsCommonStock id="PaymentsOfDividendsCommonStock.4555.3923.136.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:PaymentsOfDividendsCommonStock id="PaymentsOfDividendsCommonStock.4556.3923.136.0.0.0.0" xsi:nil="true" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock id="PaymentsOfDividendsPreferredStockAndPreferenceStock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">209000</us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock>
  <us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock id="PaymentsOfDividendsPreferredStockAndPreferenceStock.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">828000</us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock>
  <us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock id="PaymentsOfDividendsPreferredStockAndPreferenceStock.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1054000</us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock>
  <us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock id="PaymentsOfDividendsPreferredStockAndPreferenceStock.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">209000</us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock>
  <us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock id="PaymentsOfDividendsPreferredStockAndPreferenceStock.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">828000</us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock>
  <us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock id="PaymentsOfDividendsPreferredStockAndPreferenceStock.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">1054000</us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock>
  <us-gaap:PaymentsToAcquireAvailableForSaleSecurities id="PaymentsToAcquireAvailableForSaleSecurities.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">3885000</us-gaap:PaymentsToAcquireAvailableForSaleSecurities>
  <us-gaap:PaymentsToAcquireAvailableForSaleSecurities id="PaymentsToAcquireAvailableForSaleSecurities.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">2077000</us-gaap:PaymentsToAcquireAvailableForSaleSecurities>
  <us-gaap:PaymentsToAcquireAvailableForSaleSecurities id="PaymentsToAcquireAvailableForSaleSecurities.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">3049000</us-gaap:PaymentsToAcquireAvailableForSaleSecurities>
  <us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt id="PaymentsToAcquireAvailableForSaleSecuritiesDebt.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">50125000</us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt>
  <us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt id="PaymentsToAcquireAvailableForSaleSecuritiesDebt.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">34199000</us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt>
  <us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt id="PaymentsToAcquireAvailableForSaleSecuritiesDebt.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">85352000</us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt>
  <us-gaap:PaymentsToAcquireHeldToMaturitySecurities id="PaymentsToAcquireHeldToMaturitySecurities.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8942000</us-gaap:PaymentsToAcquireHeldToMaturitySecurities>
  <us-gaap:PaymentsToAcquireHeldToMaturitySecurities id="PaymentsToAcquireHeldToMaturitySecurities.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4987000</us-gaap:PaymentsToAcquireHeldToMaturitySecurities>
  <us-gaap:PaymentsToAcquireHeldToMaturitySecurities id="PaymentsToAcquireHeldToMaturitySecurities.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6576000</us-gaap:PaymentsToAcquireHeldToMaturitySecurities>
  <us-gaap:PaymentsToAcquireLoansHeldForInvestment id="PaymentsToAcquireLoansHeldForInvestment.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">12990000</us-gaap:PaymentsToAcquireLoansHeldForInvestment>
  <us-gaap:PaymentsToAcquireLoansHeldForInvestment id="PaymentsToAcquireLoansHeldForInvestment.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">17492000</us-gaap:PaymentsToAcquireLoansHeldForInvestment>
  <us-gaap:PaymentsToAcquireLoansHeldForInvestment id="PaymentsToAcquireLoansHeldForInvestment.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8500000</us-gaap:PaymentsToAcquireLoansHeldForInvestment>
  <us-gaap:PaymentsToAcquireOtherPropertyPlantAndEquipment id="PaymentsToAcquireOtherPropertyPlantAndEquipment.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3004000</us-gaap:PaymentsToAcquireOtherPropertyPlantAndEquipment>
  <us-gaap:PaymentsToAcquireOtherPropertyPlantAndEquipment id="PaymentsToAcquireOtherPropertyPlantAndEquipment.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2647000</us-gaap:PaymentsToAcquireOtherPropertyPlantAndEquipment>
  <us-gaap:PaymentsToAcquireOtherPropertyPlantAndEquipment id="PaymentsToAcquireOtherPropertyPlantAndEquipment.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1666000</us-gaap:PaymentsToAcquireOtherPropertyPlantAndEquipment>
  <us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock id="PensionAndOtherPostretirementBenefitsDisclosureTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 14.&amp;nbsp;&amp;nbsp;EMPLOYEE BENEFIT PLANS&lt;/h2&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; PENSION PLANS:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company has a noncontributory defined benefit pension plan covering all employees who work at least 1,000 hours per year. The participants shall have a vested interest in their accrued benefit after five full years of service. The benefits of the plan are based upon the employee&amp;#39;s years of service and average annual earnings for the highest five consecutive calendar years during the final ten year period of employment. Effective January 1, 2013, the Company implemented a soft freeze of its defined benefit pension plan for non-union employees. A soft freeze means that all existing employees as of December 31, 2012 will remain in the defined benefit pension plan but any new non-union employees hired after January 1, 2013 will no longer be part of the defined benefit plan but instead will be offered retirement benefits under an enhanced 401K program. The Company implemented a similar soft freeze of its defined benefit pension plan for union employees effective January 1, 2014. The Company executed these changes to help reduce its pension costs in future years. Plan assets are primarily debt securities (including U.S. Treasury and Agency securities, corporate notes and bonds), listed common stocks (including shares of AmeriServ Financial, Inc. common stock valued at $631,000 and is limited to 10% of the plan&amp;#39;s assets), mutual funds, and short-term cash equivalent instruments. The following actuarial tables are based upon data provided by an independent third party as of December 31, 2013.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; PENSION BENEFITS:&lt;/h5&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; CHANGE IN BENEFIT OBLIGATION:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Benefit obligation at beginning of year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;29,844&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 25,709&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Service cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,703&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,593&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,189&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,234&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Actuarial (gain) loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(757)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,882&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Benefits paid&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,730)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (1,574&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Benefit obligation at end of year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;30,249&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 29,844&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; CHANGE IN PLAN ASSETS:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Fair value of plan assets at beginning of year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;21,368&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 18,180&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Actual return on plan assets&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,850&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,162&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Employer contributions&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,800&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,600&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Benefits paid&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,730)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (1,574&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Fair value of plan assets at end of year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;26,288&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 21,368&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Funded status of the plan&amp;nbsp;-&amp;nbsp;under funded&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(3,961)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (8,476&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; AMOUNTS NOT YET RECOGNIZED AS A COMPONENT OF NET PERIODIC PENSION COST:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Amounts recognized in accumulated other comprehensive loss consists of:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Transition asset&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(8&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Prior service cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(19)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(38&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net actuarial loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,107&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 14,315&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,088&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 14,269&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;YEAR ENDED&lt;br /&gt; DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; ACCUMULATED BENEFIT OBLIGATION:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Accumulated benefit obligation&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;27,566&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 26,662&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The weighted-average assumptions used to determine benefit obligations at December 31, 2013 and 2012 were as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; WEIGHTED AVERAGE ASSUMPTIONS:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Discount rate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4.50%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Salary scale&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.50&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2.50&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; COMPONENTS OF NET PERIODIC BENEFIT COST:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Service cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,703&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,593&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,335&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,189&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,234&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,198&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Expected return on plan assets&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,775)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,656&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,582&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Amortization of prior year service cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(19)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(19&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;7&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Amortization of transition asset&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(8)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(17&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(17&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Recognized net actuarial loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,375&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,094&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 800&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net periodic pension cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,465&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,229&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,741&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE LOSS&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net (gain) loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(2,832)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,376&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,090&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Recognized loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,375)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,094&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (800&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Recognized prior service cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;19&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;19&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(7&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Recognized net initial asset&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;8&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 17&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 17&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total recognized in other comprehensive loss before tax effect&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(4,180)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,318&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,300&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total recognized in net benefit cost and other comprehensive loss before tax effect&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,715)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 3,547&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,041&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The estimated net loss and prior service cost for the defined benefit pension plan that will be amortized from accumulated other comprehensive loss into net periodic benefit cost over the next year are $1,085,000, $(19,000), respectively.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The weighted-average assumptions used to determine net periodic benefit cost for the years ended December 31, 2013, 2012 and 2011 were as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; WEIGHTED AVERAGE ASSUMPTIONS:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Discount rate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4.00%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4.75&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5.25&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Expected return on plan assets&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Rate of compensation increase&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.50&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2.50&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2.50&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company has assumed an 8% long-term expected return on plan assets. This assumption was based upon the plan&amp;#39;s historical investment performance over a longer-term period of 15 years combined with the plan&amp;#39;s investment objective of balanced growth and income. Additionally, this assumption also incorporates a targeted range for equity securities of approximately 60% of plan assets.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; PLAN ASSETS:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The plan&amp;#39;s measurement date is December 31, 2013. This plan&amp;#39;s asset allocations at December 31, 2013 and 2012, by asset category are as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; ASSET CATEGORY:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Cash and cash equivalents&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Domestic equities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;10&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;22&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Mutual funds/ETFs&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;79&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;63&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; International equities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;2&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Corporate bonds&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;5&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;100%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 100&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The major categories of assets in the Company&amp;#39;s Pension Plan as of year end are presented in the following table. Assets are segregated by the level of the valuation inputs within the fair value hierarchy established by ASC Topic 820 utilized to measure fair value.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Level 1:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Cash and cash equivalents&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Domestic equities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,741&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,731&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; International equities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,478&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;336&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Mutual funds/ETFs&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;20,744&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 13,566&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Level 2:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Corporate bonds&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,325&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,735&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total fair value of plan assets&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;26,288&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 21,368&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Cash and cash equivalents may include uninvested cash balances along with money market mutual funds, treasury bills, or other assets normally categorized as cash equivalents. Domestic equities may include common or preferred stocks, covered options, rights or warrants, or ADRs which are traded on any U.S. equity market. Mutual funds/ETFs may include any equity, fixed income, balanced, international, or global mutual fund or exchange traded fund including any propriety fund managed by the Trust Company. Agencies may include any U.S. government agency security or asset-backed security. Collective investment funds may include equity, fixed income, or balanced collective investment funds managed by the Trust Company. Corporate bonds may include any corporate bond or note.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The investment strategy objective for the pension plan is a balance of growth and income. This objective seeks to develop a portfolio for acceptable levels of current income together with the opportunity for capital appreciation. The balanced growth and income objective reflects a relatively equal balance between equity and fixed income investments such as debt securities. The allocation between equity and fixed income assets may vary by a moderate degree but the plan typically targets a range of equity investments between 50% and 60% of the plan assets. This means that fixed income and cash investments typically approximate 40% to 50% of the plan assets. The plan is also able to invest in ASRV common stock up to a maximum level of 10% of the market value of the plan assets (at December 31, 2013, 2.4% of the plan assets were invested in ASRV common stock). This asset mix is intended to ensure that there is a steady stream of cash from maturing investments to fund benefit payments.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; CASH FLOWS:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company presently expects that the contribution to be made to the Plan in 2014 will be approximately $2.0 million.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; ESTIMATED FUTURE BENEFIT PAYMENTS:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following benefit payments, which reflect future service, as appropriate, are expected to be paid.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; YEAR:&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;ESTIMATED FUTURE BENEFIT PAYMENTS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2014&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,444&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2015&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,268&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2016&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,752&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2017&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,809&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2018&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,430&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Years 2019&amp;nbsp;-&amp;nbsp;2023&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 14,200&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 401(k) PLAN:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company maintains a qualified 401(k) plan that allows for participation by Company employees. Under the plan, employees may elect to make voluntary, pretax contributions to their accounts which the Company will match one half on the first 2% of contribution up to a maximum of 1%. The Company also contributes 4% of salaries for union members who are in the plan. Effective January 1, 2013, any new non-union employees receive a 4% non-elective contribution and these employees may elect to make voluntary, pretax contributions to their accounts which the Company will match one half on the first 6% of contribution up to a maximum of 3%. Contributions by the Company charged to operations were $327,000 and $277,000 for the years ended December 31, 2013 and 2012, respectively. The fair value of plan assets includes $802,000 pertaining to the value of the Company&amp;#39;s common stock and Trust Preferred securities that are held by the plan at December 31, 2013.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Except for the above benefit plans, the Company has no significant additional exposure for any other post-retirement or post-employment benefits.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock>
  <us-gaap:PreferredStockDividendRatePercentage id="PreferredStockDividendRatePercentage.4607.5025.5173.0.0.0.0" contextRef="from-2011-07-11-to-2011-08-11.4607.0.5025.5173.0.0.0.0" unitRef="pure" decimals="2">0.05</us-gaap:PreferredStockDividendRatePercentage>
  <us-gaap:PreferredStockDividendRatePercentage id="PreferredStockDividendRatePercentage.4554.36878.36795.5025.5173.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36878.36795.5025.5173.0.0" unitRef="pure" decimals="2">0.05</us-gaap:PreferredStockDividendRatePercentage>
  <us-gaap:PreferredStockDividendRatePercentage id="PreferredStockDividendRatePercentage.4554.36877.36795.5025.5173.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36877.36795.5025.5173.0.0" unitRef="pure" decimals="2">0.09</us-gaap:PreferredStockDividendRatePercentage>
  <us-gaap:PreferredStockDividendRatePercentage id="PreferredStockDividendRatePercentage.4554.36880.36795.3382.4365.5025.5173" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36880.36795.3382.4365.5025.5173" unitRef="pure" decimals="2">0.01</us-gaap:PreferredStockDividendRatePercentage>
  <us-gaap:PreferredStockDividendRatePercentage id="PreferredStockDividendRatePercentage.4554.36880.36795.3373.4365.5025.5173" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36880.36795.3373.4365.5025.5173" unitRef="pure" decimals="2">0.05</us-gaap:PreferredStockDividendRatePercentage>
  <us-gaap:PreferredStockDividendRatePercentage id="PreferredStockDividendRatePercentage.4554.36879.36795.3382.4365.5025.5173" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36879.36795.3382.4365.5025.5173" unitRef="pure" decimals="2">0.01</us-gaap:PreferredStockDividendRatePercentage>
  <us-gaap:PreferredStockDividendRatePercentage id="PreferredStockDividendRatePercentage.4554.36879.36795.3373.4365.5025.5173" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36879.36795.3373.4365.5025.5173" unitRef="pure" decimals="2">0.07</us-gaap:PreferredStockDividendRatePercentage>
  <us-gaap:PreferredStockDividendRatePercentage id="PreferredStockDividendRatePercentage.4607.3382.4365.5025.5173.0.0" contextRef="from-2011-07-11-to-2011-08-11.4607.0.3382.4365.5025.5173.0.0" unitRef="pure" decimals="2">0.01</us-gaap:PreferredStockDividendRatePercentage>
  <us-gaap:PreferredStockLiquidationPreference id="PreferredStockLiquidationPreference.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="0">1000</us-gaap:PreferredStockLiquidationPreference>
  <us-gaap:PreferredStockLiquidationPreference id="PreferredStockLiquidationPreference.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="0">1000</us-gaap:PreferredStockLiquidationPreference>
  <us-gaap:PreferredStockLiquidationPreferenceValue id="PreferredStockLiquidationPreferenceValue.4550.5025.5173.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5025.5173.0.0.0.0" unitRef="USD" decimals="-3">21000000</us-gaap:PreferredStockLiquidationPreferenceValue>
  <us-gaap:PreferredStockNoParValue id="PreferredStockNoParValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.00</us-gaap:PreferredStockNoParValue>
  <us-gaap:PreferredStockNoParValue id="PreferredStockNoParValue.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.00</us-gaap:PreferredStockNoParValue>
  <us-gaap:PreferredStockSharesAuthorized id="PreferredStockSharesAuthorized.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="shares" decimals="0">2000000</us-gaap:PreferredStockSharesAuthorized>
  <us-gaap:PreferredStockSharesAuthorized id="PreferredStockSharesAuthorized.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="shares" decimals="0">2000000</us-gaap:PreferredStockSharesAuthorized>
  <us-gaap:PreferredStockSharesIssued id="PreferredStockSharesIssued.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="shares" decimals="0">21000</us-gaap:PreferredStockSharesIssued>
  <us-gaap:PreferredStockSharesIssued id="PreferredStockSharesIssued.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="shares" decimals="0">21000</us-gaap:PreferredStockSharesIssued>
  <us-gaap:PreferredStockSharesOutstanding id="PreferredStockSharesOutstanding.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="shares" decimals="0">21000</us-gaap:PreferredStockSharesOutstanding>
  <us-gaap:PreferredStockSharesOutstanding id="PreferredStockSharesOutstanding.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="shares" decimals="0">21000</us-gaap:PreferredStockSharesOutstanding>
  <us-gaap:PreferredStockTextBlock id="PreferredStockTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 17.&amp;nbsp;&amp;nbsp;PREFERRED STOCK&lt;/h2&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; SBLF:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; On August 11, 2011, pursuant to the Small Business Lending Fund (SBLF), the Company issued and sold to the US Treasury 21,000 shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series E (Series E Preferred Stock) for the aggregate proceeds of $21 million. The SBLF is a voluntary program sponsored by the US Treasury that encourages small business lending by providing capital to qualified community banks at favorable rates. The initial interest rate on the Series E Preferred Stock has been initially set at 5% per annum and may be decreased to as low as 1% per annum if growth thresholds are met for qualified outstanding small business loans. The Company used the proceeds from the Series E Preferred Stock issued to the US Treasury to repurchase all 21,000 shares of its outstanding preferred shares previously issued to the US Treasury under the TARP Capital Purchase Program.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Series E Preferred Stock has an aggregate liquidation preference of approximately $21 million and qualifies as Tier 1 Capital for regulatory purposes. The terms of the Series E Preferred Stock provide for the payment of non-cumulative dividends on a quarterly basis. The dividend rate, as a percentage of the liquidation amount, may fluctuate while the Series E Preferred Stock is outstanding based upon changes in the level of "qualified small business lending" ("QSBL") by the Bank from its average level of QSBL at each of the four quarter ends leading up to June 30, 2010 (the "Baseline") as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-top; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="384"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;DIVIDEND PERIOD ANNUALIZED&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center" rowspan="2"&gt;&lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" rowspan="2"&gt;ANNUALIZED&lt;br /&gt; DIVIDEND RATE&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal"&gt; BEGINNING&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal"&gt; ENDING&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="TEXT-ALIGN: center"&gt;August 11, 2011&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;December 31, 2011&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;5.0%&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="TEXT-ALIGN: center"&gt;January 1, 2012&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;December 31, 2013&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;1.0% to 5.0%&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="TEXT-ALIGN: center"&gt;January 1, 2014&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;February 7, 2016&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;1.0% to 7.0%&lt;sup&gt;(1)&lt;/sup&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="TEXT-ALIGN: center"&gt;February 8, 2016&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;Redemption&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;9.0%&lt;sup&gt;(2)&lt;/sup&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;(1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Between January 1, 2014 and February 7, 2016, the dividend rate will be fixed at a rate in such range based upon the level of percentage change in QSBL between September 30, 2013 and the Baseline.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;(2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Beginning on February 8, 2016, the dividend rate will be fixed at nine percent (9%) per annum.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; In addition to the applicable dividend rates described above, beginning on January 1, 2014 and on all dividend payment dates thereafter ending on April 1, 2016, if we fail to increase our level of QSBL compared to the Baseline, we will be required to pay a quarterly lending incentive fee of 0.5% of the liquidation value. As of September 30, 2013, the Company had increased its QSBL to a level that reduced the dividend rate to 1%. Accordingly, this 1% rate will continue through February 7, 2016.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; As long as shares of Series E Preferred Stock remain outstanding, we may not pay dividends to our common shareholders (nor may we repurchase or redeem any shares of our common stock) during any quarter in which we fail to declare and pay dividends on the Series E Preferred Stock and for the next three quarters following such failure. In addition, under the terms of the Series E Preferred Stock, we may only declare and pay dividends on our common stock (or repurchase shares of our common stock), if, after payment of such dividend, the dollar amount of our Tier 1 capital would be at least ninety percent (90%) of Tier 1 capital as of June 30, 2011, excluding any charge-offs and redemptions of the Series E Preferred Stock (the "Tier 1 Dividend Threshold"). The Tier 1 Dividend Threshold is subject to reduction, beginning January 1, 2014, based upon the extent by which, if at all, the QSBL at September 30, 2013 has increased over the Baseline.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; We may redeem the Series E Preferred Stock at any time at our option, at a redemption price of 100% of the liquidation amount plus accrued but unpaid dividends, subject to the approval of our federal banking regulator.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:PreferredStockTextBlock>
  <us-gaap:PreferredStockValue id="PreferredStockValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">21000000</us-gaap:PreferredStockValue>
  <us-gaap:PreferredStockValue id="PreferredStockValue.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">21000000</us-gaap:PreferredStockValue>
  <us-gaap:PrepaidExpenseCurrentAndNoncurrent id="PrepaidExpenseCurrentAndNoncurrent.4550.0.0.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:PrepaidExpenseCurrentAndNoncurrent id="PrepaidExpenseCurrentAndNoncurrent.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1444000</us-gaap:PrepaidExpenseCurrentAndNoncurrent>
  <us-gaap:ProceedsFromFederalHomeLoanBankBorrowings id="ProceedsFromFederalHomeLoanBankBorrowings.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">18000000</us-gaap:ProceedsFromFederalHomeLoanBankBorrowings>
  <us-gaap:ProceedsFromFederalHomeLoanBankBorrowings id="ProceedsFromFederalHomeLoanBankBorrowings.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">21000000</us-gaap:ProceedsFromFederalHomeLoanBankBorrowings>
  <us-gaap:ProceedsFromFederalHomeLoanBankBorrowings id="ProceedsFromFederalHomeLoanBankBorrowings.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2000000</us-gaap:ProceedsFromFederalHomeLoanBankBorrowings>
  <us-gaap:ProceedsFromLifeInsurancePolicies id="ProceedsFromLifeInsurancePolicies.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">356000</us-gaap:ProceedsFromLifeInsurancePolicies>
  <us-gaap:ProceedsFromLifeInsurancePolicies id="ProceedsFromLifeInsurancePolicies.4555.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ProceedsFromLifeInsurancePolicies id="ProceedsFromLifeInsurancePolicies.4556.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment id="ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">146720000</us-gaap:ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment>
  <us-gaap:ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment id="ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">182245000</us-gaap:ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment>
  <us-gaap:ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment id="ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">161356000</us-gaap:ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment>
  <us-gaap:ProceedsFromRepaymentsOfShortTermDebt id="ProceedsFromRepaymentsOfShortTermDebt.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">25895000</us-gaap:ProceedsFromRepaymentsOfShortTermDebt>
  <us-gaap:ProceedsFromRepaymentsOfShortTermDebt id="ProceedsFromRepaymentsOfShortTermDebt.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-105000</us-gaap:ProceedsFromRepaymentsOfShortTermDebt>
  <us-gaap:ProceedsFromRepaymentsOfShortTermDebt id="ProceedsFromRepaymentsOfShortTermDebt.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">11215000</us-gaap:ProceedsFromRepaymentsOfShortTermDebt>
  <us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities id="ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">43307000</us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities id="ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">59800000</us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities id="ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">53243000</us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities id="ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">2506000</us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities id="ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">2809000</us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities id="ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">5942000</us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities id="ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4425000</us-gaap:ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities>
  <us-gaap:ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities id="ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3518000</us-gaap:ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities>
  <us-gaap:ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities id="ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2125000</us-gaap:ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities>
  <us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities id="ProceedsFromSaleOfAvailableForSaleSecurities.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">11185000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities id="ProceedsFromSaleOfAvailableForSaleSecurities.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4221000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities id="ProceedsFromSaleOfAvailableForSaleSecurities.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">16518000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleOfLoansHeldForInvestment id="ProceedsFromSaleOfLoansHeldForInvestment.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8500000</us-gaap:ProceedsFromSaleOfLoansHeldForInvestment>
  <us-gaap:ProceedsFromSaleOfLoansHeldForInvestment id="ProceedsFromSaleOfLoansHeldForInvestment.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">8500000</us-gaap:ProceedsFromSaleOfLoansHeldForInvestment>
  <us-gaap:ProceedsFromSaleOfLoansHeldForInvestment id="ProceedsFromSaleOfLoansHeldForInvestment.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1000000</us-gaap:ProceedsFromSaleOfLoansHeldForInvestment>
  <us-gaap:ProceedsFromSaleOfMortgageLoansHeldForSale id="ProceedsFromSaleOfMortgageLoansHeldForSale.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">69089000</us-gaap:ProceedsFromSaleOfMortgageLoansHeldForSale>
  <us-gaap:ProceedsFromSaleOfMortgageLoansHeldForSale id="ProceedsFromSaleOfMortgageLoansHeldForSale.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">74354000</us-gaap:ProceedsFromSaleOfMortgageLoansHeldForSale>
  <us-gaap:ProceedsFromSaleOfMortgageLoansHeldForSale id="ProceedsFromSaleOfMortgageLoansHeldForSale.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">59747000</us-gaap:ProceedsFromSaleOfMortgageLoansHeldForSale>
  <us-gaap:ProceedsFromSaleOfOtherRealEstate id="ProceedsFromSaleOfOtherRealEstate.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">993000</us-gaap:ProceedsFromSaleOfOtherRealEstate>
  <us-gaap:ProceedsFromSaleOfOtherRealEstate id="ProceedsFromSaleOfOtherRealEstate.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">160000</us-gaap:ProceedsFromSaleOfOtherRealEstate>
  <us-gaap:ProceedsFromSaleOfOtherRealEstate id="ProceedsFromSaleOfOtherRealEstate.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">743000</us-gaap:ProceedsFromSaleOfOtherRealEstate>
  <us-gaap:ProfessionalFees id="ProfessionalFees.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">4327000</us-gaap:ProfessionalFees>
  <us-gaap:ProfessionalFees id="ProfessionalFees.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3870000</us-gaap:ProfessionalFees>
  <us-gaap:ProfessionalFees id="ProfessionalFees.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3875000</us-gaap:ProfessionalFees>
  <us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock id="PropertyPlantAndEquipmentDisclosureTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 7.&amp;nbsp;&amp;nbsp;PREMISES AND EQUIPMENT&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; An analysis of premises and equipment follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Land&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,208&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,208&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Premises&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;25,752&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 24,430&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Furniture and equipment&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,912&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,572&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Leasehold improvements&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;803&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 690&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total at cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;36,675&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 33,900&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Less: Accumulated depreciation and amortization&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;23,556&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 22,102&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net book value&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;13,119&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 11,798&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company recorded depreciation expense of $1.7 million for 2013 and $1.5 for each of the years 2012 and 2011, respectively.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4550.3026.4272.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3026.4272.0.0.0.0" unitRef="USD" decimals="-3">1208000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4551.3026.4272.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3026.4272.0.0.0.0" unitRef="USD" decimals="-3">1208000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4550.743.4272.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.743.4272.0.0.0.0" unitRef="USD" decimals="-3">25752000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4551.743.4272.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.743.4272.0.0.0.0" unitRef="USD" decimals="-3">24430000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4550.3031.4272.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3031.4272.0.0.0.0" unitRef="USD" decimals="-3">803000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4551.3031.4272.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3031.4272.0.0.0.0" unitRef="USD" decimals="-3">690000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">36675000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">33900000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4550.2394.4272.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2394.4272.0.0.0.0" unitRef="USD" decimals="-3">8912000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentGross id="PropertyPlantAndEquipmentGross.4551.2394.4272.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2394.4272.0.0.0.0" unitRef="USD" decimals="-3">7572000</us-gaap:PropertyPlantAndEquipmentGross>
  <us-gaap:PropertyPlantAndEquipmentNet id="PropertyPlantAndEquipmentNet.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">13119000</us-gaap:PropertyPlantAndEquipmentNet>
  <us-gaap:PropertyPlantAndEquipmentNet id="PropertyPlantAndEquipmentNet.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">11798000</us-gaap:PropertyPlantAndEquipmentNet>
  <us-gaap:PropertyPlantAndEquipmentPolicyTextBlock id="PropertyPlantAndEquipmentPolicyTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; PREMISES AND EQUIPMENT:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Premises and equipment are stated at cost less accumulated depreciation and amortization. Land is carried at cost. Depreciation is charged to operations over the estimated useful lives of the premises and equipment using the straight-line method with a half-year convention. Useful lives of up to 30 years for buildings and up to 10 years for equipment are utilized. Leasehold improvements are amortized using the straight-line method over the terms of the respective leases or useful lives of the improvements, whichever is shorter. Maintenance, repairs, and minor alterations are charged to current operations as expenditures are incurred.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentPolicyTextBlock>
  <us-gaap:PropertyPlantAndEquipmentTextBlock id="PropertyPlantAndEquipmentTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Land&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,208&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,208&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Premises&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;25,752&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 24,430&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Furniture and equipment&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,912&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,572&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Leasehold improvements&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;803&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 690&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total at cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;36,675&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 33,900&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Less: Accumulated depreciation and amortization&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;23,556&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 22,102&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net book value&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;13,119&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 11,798&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentTextBlock>
  <us-gaap:PropertyPlantAndEquipmentUsefulLife id="PropertyPlantAndEquipmentUsefulLife.4554.743.4272.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.743.4272.0.0.0.0">P30Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
  <us-gaap:PropertyPlantAndEquipmentUsefulLife id="PropertyPlantAndEquipmentUsefulLife.4554.1853.4272.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1853.4272.0.0.0.0">P10Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-1100000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-775000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-3575000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4614.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-03-31.4614.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-625000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4615.0.0.0.0.0.0" contextRef="from-2012-04-01-to-2012-06-30.4615.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-500000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4616.0.0.0.0.0.0" contextRef="from-2012-07-01-to-2012-09-30.4616.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-200000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4617.0.0.0.0.0.0" contextRef="from-2012-10-01-to-2012-12-31.4617.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">550000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4618.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-03-31.4618.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-250000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4619.0.0.0.0.0.0" contextRef="from-2013-04-01-to-2013-06-30.4619.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">150000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4620.0.0.0.0.0.0" xsi:nil="true" contextRef="from-2013-07-01-to-2013-09-30.4620.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4621.0.0.0.0.0.0" contextRef="from-2013-10-01-to-2013-12-31.4621.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">-1000000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4554.1070.2295.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">218000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4555.1070.2295.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">438000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4556.1070.2295.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.1070.2295.0.0.0.0" unitRef="USD" decimals="-3">-1364000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4554.1077.2295.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">-1615000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4555.1077.2295.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">-1053000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4556.1077.2295.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.1077.2295.0.0.0.0" unitRef="USD" decimals="-3">-1948000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4554.3405.2295.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">8000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4555.3405.2295.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">365000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4556.3405.2295.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3405.2295.0.0.0.0" unitRef="USD" decimals="-3">185000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4554.1175.2295.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">70000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4555.1175.2295.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">129000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4556.1175.2295.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.1175.2295.0.0.0.0" unitRef="USD" decimals="-3">12000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4554.36763.2295.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36763.2295.0.0.0.0" unitRef="USD" decimals="-3">219000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4555.36763.2295.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36763.2295.0.0.0.0" unitRef="USD" decimals="-3">-654000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4556.36763.2295.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36763.2295.0.0.0.0" unitRef="USD" decimals="-3">-460000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4554.36870.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">-92000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4555.36870.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">-160000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4556.36870.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36870.5172.0.0.0.0" unitRef="USD" decimals="-3">-263000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4554.36783.5172.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">-1008000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4555.36783.5172.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">-615000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4556.36783.5172.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36783.5172.0.0.0.0" unitRef="USD" decimals="-3">-3312000</us-gaap:ProvisionForLoanLeaseAndOtherLosses>
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4554.36884.5172.0.0.0.0" xsi:nil="true" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36884.5172.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4555.36884.5172.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36884.5172.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4556.36884.5172.0.0.0.0" xsi:nil="true" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36884.5172.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4554.37283.5172.0.0.0.0" xsi:nil="true" contextRef="from-2013-01-01-to-2013-12-31.4554.0.37283.5172.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4555.37283.5172.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.37283.5172.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ProvisionForLoanLeaseAndOtherLosses id="ProvisionForLoanLeaseAndOtherLosses.4556.37283.5172.0.0.0.0" xsi:nil="true" contextRef="from-2011-01-01-to-2011-12-31.4556.0.37283.5172.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:QuarterlyFinancialInformationTextBlock id="QuarterlyFinancialInformationTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 25.&amp;nbsp;&amp;nbsp;SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table sets forth certain unaudited quarterly consolidated financial data regarding the Company:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;2013 QUARTER ENDED&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;DEC. 31&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SEPT. 30&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;JUNE 30&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;MARCH 31&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS, EXCEPT PER SHARE DATA)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,203&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;9,811&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;9,627&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;9,702&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,605&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,611&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,606&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,660&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,598&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,200&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,021&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,042&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Provision (credit) for loan losses&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,000)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;150&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(250)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net interest income after provision (credit) for loan losses&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;9,598&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,200&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;7,871&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,292&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,867&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,986&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,075&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,816&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,746&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,413&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,442&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,622&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income before income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,719&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,773&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,504&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,486&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Provision for income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;878&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;547&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;434&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;430&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,841&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,226&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,070&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,056&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Basic earnings per common share&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.10&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.06&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.05&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.05&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Diluted earnings per common share&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.09&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.06&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.05&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.05&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Cash dividends declared per common share&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.01&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.01&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.01&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;2012 QUARTER ENDED&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;DEC. 31&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SEPT. 30&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;JUNE 30&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;MARCH 31&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS, EXCEPT PER SHARE DATA)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9,878&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 10,030&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9,885&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 10,124&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,796&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,888&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,964&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,066&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8,082&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8,142&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,921&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8,058&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Provision (credit) for loan losses&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 550&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (200&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (500&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (625&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net interest income after provision (credit) for loan losses&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,532&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8,342&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8,421&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8,683&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,887&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,649&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,733&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,674&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 10,373&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 10,087&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 10,067&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 10,114&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income before income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,046&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,904&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,087&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,243&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Provision for income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 311&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 597&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 655&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 678&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 735&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,307&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,432&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,565&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Basic earnings per common share&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.04&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.05&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.06&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.06&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Diluted earnings per common share&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.04&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.05&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.06&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.06&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Cash dividends declared per common share&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:QuarterlyFinancialInformationTextBlock>
  <us-gaap:ReceivablesFairValueDisclosure id="ReceivablesFairValueDisclosure.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">2300000</us-gaap:ReceivablesFairValueDisclosure>
  <us-gaap:ReceivablesFairValueDisclosure id="ReceivablesFairValueDisclosure.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">3200000</us-gaap:ReceivablesFairValueDisclosure>
  <us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock id="RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 23.&amp;nbsp;&amp;nbsp;REGULATORY CAPITAL&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company is subject to various capital requirements administered by the federal banking agencies. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company&amp;#39;s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company&amp;#39;s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company&amp;#39;s financial statements.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total and Tier I capital to risk-weighted assets, and of Tier I capital to average assets. As of December 31, 2013 and 2012, the Federal Reserve categorized the Company as Well Capitalized under the regulatory framework for prompt corrective action. The Company believes that no conditions or events have occurred that would change this conclusion. To be categorized as well capitalized, the Company must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table. Additionally, while not a regulatory capital ratio, the Company&amp;#39;s tangible common equity ratio was 7.64% and 7.78% for 2013 and 2012, respectively.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23"&gt;AS OF DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;ACTUAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;FOR CAPITAL ADEQUACY&lt;br /&gt; PURPOSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATIO&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATIO&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATIO&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23"&gt;(IN THOUSANDS, EXCEPT RATIOS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total Capital (To Risk Weighted Assets)&lt;br /&gt; Consolidated&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;128,469&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;15.28%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;67,247&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8.00%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;84,059&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;10.00%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;103,009&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;12.39&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;66,506&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;83,132&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;10.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Tier 1 Capital (To Risk Weighted Assets)&lt;br /&gt; Consolidated&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;117,957&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;14.03&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;33,624&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;50,435&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;92,611&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;11.14&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;33,253&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;49,879&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Tier 1 Capital (To Average Assets)&lt;br /&gt; Consolidated&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;117,957&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;11.45&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;41,204&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;51,505&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;5.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;92,611&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;9.23&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;40,124&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;50,155&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;5.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23"&gt;AS OF DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;ACTUAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;FOR CAPITAL ADEQUACY&lt;br /&gt; PURPOSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATIO&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATIO&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATIO&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23"&gt;(IN THOUSANDS, EXCEPT RATIOS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total Capital (To Risk Weighted Assets)&lt;br /&gt; Consolidated&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 122,583&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 15.92&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 61,588&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 76,985&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 10.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 101,786&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 13.34&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 61,060&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 76,325&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 10.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Tier 1 Capital (To Risk Weighted Assets)&lt;br /&gt; Consolidated&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 112,916&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 14.67&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 30,794&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 46,191&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 92,200&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 12.08&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 30,530&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 45,795&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Tier 1 Capital (To Average Assets)&lt;br /&gt; Consolidated&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 112,916&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 11.44&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 39,474&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 49,343&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 92,200&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9.55&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 38,616&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 48,269&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; On July 2, 2013, the Board of Governors of the Federal Reserve System approved final rules that substantially amend the regulatory risk-based capital rules applicable to the Company and the Bank. The final rules implement the "Basel III" regulatory capital reforms, as well as certain changes required by the Dodd-Frank Act, which will require institutions to, among other things, have more capital and a higher quality of capital by increasing the minimum regulatory capital ratios, and requiring capital buffers. The new rules become effective for the Company on January 1, 2015, with an implementation period that stretches to 2019. For a more detailed discussion see the Capital Resources section of the MD&amp;amp;A.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
  <us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings id="RepaymentsOfFederalHomeLoanBankBorrowings.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">6000000</us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings>
  <us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings id="RepaymentsOfFederalHomeLoanBankBorrowings.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">14000000</us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings>
  <us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings id="RepaymentsOfFederalHomeLoanBankBorrowings.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">5750000</us-gaap:RepaymentsOfFederalHomeLoanBankBorrowings>
  <us-gaap:RestrictedCashAndCashEquivalents id="RestrictedCashAndCashEquivalents.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">61000</us-gaap:RestrictedCashAndCashEquivalents>
  <us-gaap:RestrictedCashAndCashEquivalents id="RestrictedCashAndCashEquivalents.4551.0.0.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:RetainedEarningsAccumulatedDeficit id="RetainedEarningsAccumulatedDeficit.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">27557000</us-gaap:RetainedEarningsAccumulatedDeficit>
  <us-gaap:RetainedEarningsAccumulatedDeficit id="RetainedEarningsAccumulatedDeficit.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">23139000</us-gaap:RetainedEarningsAccumulatedDeficit>
  <us-gaap:RevenueFromRelatedParties id="RevenueFromRelatedParties.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">2355000</us-gaap:RevenueFromRelatedParties>
  <us-gaap:RevenueFromRelatedParties id="RevenueFromRelatedParties.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">2355000</us-gaap:RevenueFromRelatedParties>
  <us-gaap:RevenueFromRelatedParties id="RevenueFromRelatedParties.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">2329000</us-gaap:RevenueFromRelatedParties>
  <us-gaap:RevenueRecognitionServicesManagementFees id="RevenueRecognitionServicesManagementFees.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; TRUST FEES:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Trust fees are recorded on the cash basis which approximates the accrual basis for such income.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:RevenueRecognitionServicesManagementFees>
  <us-gaap:Revenues id="Revenues.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">8773000</us-gaap:Revenues>
  <us-gaap:Revenues id="Revenues.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">11371000</us-gaap:Revenues>
  <us-gaap:Revenues id="Revenues.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">5864000</us-gaap:Revenues>
  <us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock id="ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;120,102&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 102,822&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loans secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;411,691&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 383,339&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Real estate-mortgage&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;235,689&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 217,584&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,864&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 17,420&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Loans, net of unearned income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;783,346&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 721,165&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock>
  <us-gaap:ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock id="ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;YEAR ENDED&lt;br /&gt; DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; ACCUMULATED BENEFIT OBLIGATION:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Accumulated benefit obligation&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;27,566&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 26,662&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock>
  <us-gaap:ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock id="ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Pension obligation for defined benefit plan&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(6,918)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (9,520&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Unrealized holding gains on available for sale securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,043&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 4,141&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total accumulated other comprehensive loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(5,875)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (5,379&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock>
  <us-gaap:ScheduleOfAllocationOfPlanAssetsTableTextBlock id="ScheduleOfAllocationOfPlanAssetsTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; ASSET CATEGORY:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Cash and cash equivalents&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Domestic equities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;10&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;22&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Mutual funds/ETFs&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;79&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;63&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; International equities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;2&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Corporate bonds&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;5&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;100%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 100&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfAllocationOfPlanAssetsTableTextBlock>
  <us-gaap:ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock id="ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; AMOUNTS NOT YET RECOGNIZED AS A COMPONENT OF NET PERIODIC PENSION COST:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Amounts recognized in accumulated other comprehensive loss consists of:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Transition asset&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(8&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Prior service cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(19)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(38&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net actuarial loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,107&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 14,315&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,088&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 14,269&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock>
  <us-gaap:ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock id="ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;AT DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COST BASIS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;GROSS UNREALIZED GAINS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;GROSS UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR&lt;br /&gt; VALUE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,926&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;35&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(126)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,835&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Corporate bonds&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;11,992&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;21&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(252)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;11,761&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;121,480&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,129&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,227)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;123,382&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;140,398&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,185&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,605)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;141,978&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;AT DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COST BASIS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;GROSS UNREALIZED GAINS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;GROSS UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR&lt;br /&gt; VALUE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,671&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;289&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(477)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,483&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Taxable municipal&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,521&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(120)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,401&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Corporate bonds and other securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,995&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(91)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,904&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;18,187&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;289&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(688)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;17,788&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COST BASIS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;GROSS UNREALIZED GAINS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;GROSS UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR&lt;br /&gt; VALUE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,848&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;70&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(7&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,911&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Corporate bonds&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,992&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;3&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (103&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,892&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 131,425&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 6,320&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (10&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 137,735&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 145,265&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 6,393&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (120&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 151,538&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COST BASIS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;GROSS UNREALIZED GAINS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;GROSS UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR&lt;br /&gt; VALUE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9,318&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;578&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9,896&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Taxable municipal&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;410&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;6&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;416&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Corporate bonds and other securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 3,995&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 14&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (55&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 3,954&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 13,723&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 598&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (55&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 14,266&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock>
  <us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock id="ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23"&gt;AS OF DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;ACTUAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;FOR CAPITAL ADEQUACY&lt;br /&gt; PURPOSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATIO&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATIO&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATIO&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23"&gt;(IN THOUSANDS, EXCEPT RATIOS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total Capital (To Risk Weighted Assets)&lt;br /&gt; Consolidated&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;128,469&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;15.28%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;67,247&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8.00%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;84,059&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;10.00%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;103,009&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;12.39&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;66,506&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;83,132&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;10.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Tier 1 Capital (To Risk Weighted Assets)&lt;br /&gt; Consolidated&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;117,957&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;14.03&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;33,624&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;50,435&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;92,611&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;11.14&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;33,253&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;49,879&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Tier 1 Capital (To Average Assets)&lt;br /&gt; Consolidated&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;117,957&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;11.45&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;41,204&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;51,505&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;5.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;92,611&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;9.23&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;40,124&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;50,155&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;5.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23"&gt;AS OF DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;ACTUAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;FOR CAPITAL ADEQUACY&lt;br /&gt; PURPOSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATIO&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATIO&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATIO&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23"&gt;(IN THOUSANDS, EXCEPT RATIOS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total Capital (To Risk Weighted Assets)&lt;br /&gt; Consolidated&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 122,583&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 15.92&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 61,588&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 76,985&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 10.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 101,786&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 13.34&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 61,060&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 76,325&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 10.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Tier 1 Capital (To Risk Weighted Assets)&lt;br /&gt; Consolidated&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 112,916&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 14.67&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 30,794&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 46,191&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 92,200&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 12.08&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 30,530&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 45,795&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Tier 1 Capital (To Average Assets)&lt;br /&gt; Consolidated&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 112,916&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 11.44&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 39,474&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 49,343&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; AmeriServ Financial Bank&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 92,200&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9.55&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 38,616&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 48,269&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
  <us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock id="ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Current&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;139&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;140&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;95&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Deferred&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,150&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,101&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,758&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income tax expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,289&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,241&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,853&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock>
  <us-gaap:ScheduleOfCondensedBalanceSheetTableTextBlock id="ScheduleOfCondensedBalanceSheetTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; BALANCE SHEETS&lt;/h5&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; ASSETS&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Cash&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;100&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;100&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Short-term investments in money market funds&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,561&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,085&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Investment securities available for sale&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;11,909&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 10,534&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Equity investment in banking subsidiary&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;99,250&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 99,121&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Equity investment in non-banking subsidiaries&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,321&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,017&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Guaranteed junior subordinated deferrable interest debenture issuance costs&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;224&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;240&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other assets&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,352&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,713&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; TOTAL ASSETS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;127,717&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 123,810&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; LIABILITIES&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Guaranteed junior subordinated deferrable interest debentures&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;13,085&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 13,085&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other liabilities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,325&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 257&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; TOTAL LIABILITIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;14,410&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 13,342&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; STOCKHOLDERS&amp;#39; EQUITY&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total stockholders&amp;#39; equity&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;113,307&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 110,468&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; TOTAL LIABILITIES AND STOCKHOLDERS&amp;#39; EQUITY&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;127,717&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 123,810&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfCondensedBalanceSheetTableTextBlock>
  <us-gaap:ScheduleOfCondensedCashFlowStatementTableTextBlock id="ScheduleOfCondensedCashFlowStatementTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; STATEMENTS OF CASH FLOWS&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; OPERATING ACTIVITIES&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,193&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,039&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,537&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Adjustment to reconcile net income to net cash provided by operating activities:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Equity in undistributed earnings of subsidiaries&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(756)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,080&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (4,901&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Stock compensation expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;82&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;38&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;15&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other&amp;nbsp;-&amp;nbsp;net&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(718)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (989&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (285&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; NET CASH PROVIDED BY OPERATING ACTIVITIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,801&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 6,168&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,366&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; INVESTING ACTIVITIES&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Purchase of investment securities&amp;nbsp;-&amp;nbsp;available for sale&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(3,885)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (2,077&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (3,049&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Proceeds from maturity of investment securities&amp;nbsp;-&amp;nbsp;available for sale&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,506&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,809&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 5,942&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; NET CASH (USED IN) PROVIDED BY INVESTING ACTIVITIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,379)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 732&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,893&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; FINANCING ACTIVITIES&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Purchase of treasury stock&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,171)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (4,417&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (582&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; TARP warrant repurchase&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (825&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Preferred stock dividends paid&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(209)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (828&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,054&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Common stock dividends paid&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(566)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; NET CASH USED IN FINANCING ACTIVITIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,946)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (5,245&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (2,461&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; NET INCREASE IN CASH AND CASH EQUIVALENTS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;476&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,655&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,798&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; CASH AND CASH EQUIVALENTS AT JANUARY 1&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,185&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 4,530&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,732&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; CASH AND CASH EQUIVALENTS AT DECEMBER 31&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,661&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 6,185&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,530&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfCondensedCashFlowStatementTableTextBlock>
  <us-gaap:ScheduleOfCondensedIncomeStatementTableTextBlock id="ScheduleOfCondensedIncomeStatementTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; STATEMENTS OF OPERATIONS&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; INCOME&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Inter-entity management and other fees&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,355&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,355&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,329&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Dividends from banking subsidiary&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,500&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8,000&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,500&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Dividends from non-banking subsidiaries&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;675&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;710&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;620&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest and dividend income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;243&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 306&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 415&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; TOTAL INCOME&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,773&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 11,371&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 5,864&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; EXPENSE&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,121&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,121&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,121&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Salaries and employee benefits&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,502&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,368&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,394&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,608&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,582&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,477&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; TOTAL EXPENSE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,231&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 5,071&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 4,992&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; INCOME BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,542&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,300&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;872&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Benefit for income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;895&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;819&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;764&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Equity in undistributed earnings of subsidiaries&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;756&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (2,080&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 4,901&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; NET INCOME&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,193&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 5,039&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 6,537&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; COMPREHENSIVE INCOME&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,697&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 3,320&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 7,739&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfCondensedIncomeStatementTableTextBlock>
  <us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock id="ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; DEFERRED TAX ASSETS:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Allowance for loan losses&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,437&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,274&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Unfunded commitment reserve&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;264&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;221&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Premises and equipment&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,832&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,626&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Accrued pension obligation&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,462&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,916&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Net operating loss carryforwards&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,307&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,883&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Alternative minimum tax credits&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,749&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,635&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Other&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;393&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 368&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 30pt; TEXT-INDENT: -10pt"&gt; Total tax assets&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,444&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 13,923&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; DEFERRED TAX LIABILITIES:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Investment accretion&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(18)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(28&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Unrealized investment security gains&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(545)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (2,133&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Other&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(309)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (295&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 30pt; TEXT-INDENT: -10pt"&gt; Total tax liabilities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(872)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (2,456&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net deferred tax asset&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;9,572&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 11,467&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock>
  <us-gaap:ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock id="ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE LOSS&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net (gain) loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(2,832)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,376&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,090&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Recognized loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,375)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,094&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (800&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Recognized prior service cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;19&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;19&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(7&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Recognized net initial asset&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;8&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 17&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 17&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total recognized in other comprehensive loss before tax effect&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(4,180)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,318&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,300&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total recognized in net benefit cost and other comprehensive loss before tax effect&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,715)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 3,547&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,041&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock>
  <us-gaap:ScheduleOfDefinedBenefitPlansDisclosuresTextBlock id="ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; CHANGE IN BENEFIT OBLIGATION:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Benefit obligation at beginning of year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;29,844&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 25,709&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Service cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,703&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,593&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,189&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,234&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Actuarial (gain) loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(757)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,882&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Benefits paid&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,730)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (1,574&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Benefit obligation at end of year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;30,249&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 29,844&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; CHANGE IN PLAN ASSETS:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Fair value of plan assets at beginning of year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;21,368&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 18,180&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Actual return on plan assets&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,850&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,162&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Employer contributions&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,800&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,600&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Benefits paid&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,730)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (1,574&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Fair value of plan assets at end of year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;26,288&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 21,368&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Funded status of the plan&amp;nbsp;-&amp;nbsp;under funded&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(3,961)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (8,476&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfDefinedBenefitPlansDisclosuresTextBlock>
  <us-gaap:ScheduleOfDerivativeInstrumentsTextBlock id="ScheduleOfDerivativeInstrumentsTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; START DATE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;MATURITY DATE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;HEDGE TYPE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;NOTIONAL AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATE RECEIVED&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATE PAID&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;REPRICING FREQUENCY&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;INCREASE (DECREASE) IN INTEREST EXPENSE&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; 12/12/08&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; 09/24/13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9,000,000&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5.25&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2.73&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; MONTHLY&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;165,488&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; 12/12/08&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; 09/24/13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; FAIR VALUE&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; 9,000,000&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; 2.73&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; 5.25&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; MONTHLY&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(165,488)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfDerivativeInstrumentsTextBlock>
  <us-gaap:ScheduleOfDividendsPayableTextBlock id="ScheduleOfDividendsPayableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-top; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="384"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;DIVIDEND PERIOD ANNUALIZED&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center" rowspan="2"&gt;&lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" rowspan="2"&gt;ANNUALIZED&lt;br /&gt; DIVIDEND RATE&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal"&gt; BEGINNING&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal"&gt; ENDING&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="TEXT-ALIGN: center"&gt;August 11, 2011&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;December 31, 2011&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;5.0%&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="TEXT-ALIGN: center"&gt;January 1, 2012&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;December 31, 2013&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;1.0% to 5.0%&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="TEXT-ALIGN: center"&gt;January 1, 2014&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;February 7, 2016&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;1.0% to 7.0%&lt;sup&gt;(1)&lt;/sup&gt;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="VERTICAL-ALIGN: top"&gt; &lt;td style="TEXT-ALIGN: center"&gt;February 8, 2016&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;Redemption&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="TEXT-ALIGN: center"&gt;9.0%&lt;sup&gt;(2)&lt;/sup&gt;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;(1)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Between January 1, 2014 and February 7, 2016, the dividend rate will be fixed at a rate in such range based upon the level of percentage change in QSBL between September 30, 2013 and the Baseline.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 1px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;(2)&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Beginning on February 8, 2016, the dividend rate will be fixed at nine percent (9%) per annum.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfDividendsPayableTextBlock>
  <us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock id="ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;Year ended December 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(In thousands, except per share data)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Numerator:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,193&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,039&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,537&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Preferred stock dividends and accretion of preferred stock discount&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;209&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 828&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,385&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net income available to common shareholders&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,984&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,211&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 5,152&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Denominator:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Weighted average common shares outstanding (basic)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;18,942&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 19,685&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 21,184&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Effect of stock options/warrants&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;92&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 62&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 21&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Weighted average common shares outstanding (diluted)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;19,034&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 19,747&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 21,205&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Earnings per common share:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Basic&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.26&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.21&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.24&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Diluted&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.26&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.21&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.24&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock>
  <us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock id="ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;AMOUNT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RATE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23"&gt;(IN THOUSANDS, EXCEPT PERCENTAGES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income tax expense based on federal statutory rate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,544&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;34.0%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,475&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 34.0&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,193&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 34.0&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Tax exempt income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(359)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(4.8)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (315&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (4.3&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (325&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (3.5&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Other&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;104&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.4&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 81&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1.1&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (15&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (0.1&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total expense for income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,289&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;30.6%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,241&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 30.8&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,853&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 30.4&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock>
  <us-gaap:ScheduleOfExpectedBenefitPaymentsTableTextBlock id="ScheduleOfExpectedBenefitPaymentsTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; YEAR:&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;ESTIMATED FUTURE BENEFIT PAYMENTS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2014&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,444&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2015&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,268&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2016&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,752&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2017&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,809&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2018&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,430&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Years 2019&amp;nbsp;-&amp;nbsp;2023&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 14,200&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfExpectedBenefitPaymentsTableTextBlock>
  <us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock id="ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS&lt;br /&gt; (LEVEL 1)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SIGNIFICANT OTHER OBSERVABLE INPUTS&lt;br /&gt; (LEVEL 2)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SIGNIFICANT UNOBSERVABLE INPUTS&lt;br /&gt; (LEVEL 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Assets:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; U.S. Agency securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,835&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,835&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;123,382&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;123,382&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Corporate bonds&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;11,761&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;11,761&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS&lt;br /&gt; (LEVEL 1)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SIGNIFICANT OTHER OBSERVABLE INPUTS&lt;br /&gt; (LEVEL 2)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SIGNIFICANT UNOBSERVABLE INPUTS&lt;br /&gt; (LEVEL 3)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Assets:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; U.S. Agency securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,911&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,911&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 137,735&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 137,735&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Corporate bonds&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,892&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,892&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Fair value of swap asset&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Fair value of swap liability&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;164&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock>
  <us-gaap:ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock id="ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; MATURING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;WEIGHTED AVERAGE YIELD&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;BALANCE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Overnight&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.25%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;41,555&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2015&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.52&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2016&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.81&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2017&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.07&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;7,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2018&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.47&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total advances&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.89&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;25,000&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total FHLB borrowings&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.49%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;66,555&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; MATURING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;WEIGHTED AVERAGE YIELD&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;BALANCE&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Overnight&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.25&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 15,660&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2015&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.52&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,000&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2016&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.74&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,000&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2017&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; 0.92&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 4,000&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total advances&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; 0.73&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 13,000&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total FHLB borrowings&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; 0.47&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 28,660&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock>
  <us-gaap:ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock id="ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest income due in accordance with original terms&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;178&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;231&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;376&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest income recorded&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (167&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net reduction in interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;178&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 231&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 209&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock>
  <us-gaap:ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock id="ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; YEAR:&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FUTURE MINIMUM LEASE PAYMENTS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2014&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;712&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2015&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;682&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2016&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;625&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2017&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;511&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2018&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;366&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; 2019 and thereafter&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,931&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock>
  <us-gaap:ScheduleOfNetBenefitCostsTableTextBlock id="ScheduleOfNetBenefitCostsTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; COMPONENTS OF NET PERIODIC BENEFIT COST:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Service cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,703&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,593&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,335&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,189&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,234&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,198&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Expected return on plan assets&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,775)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,656&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,582&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Amortization of prior year service cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(19)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(19&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;7&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Amortization of transition asset&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(8)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(17&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(17&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Recognized net actuarial loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,375&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,094&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 800&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net periodic pension cost&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,465&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,229&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,741&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfNetBenefitCostsTableTextBlock>
  <us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock id="ScheduleOfQuarterlyFinancialInformationTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;2013 QUARTER ENDED&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;DEC. 31&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SEPT. 30&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;JUNE 30&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;MARCH 31&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS, EXCEPT PER SHARE DATA)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,203&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;9,811&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;9,627&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;9,702&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,605&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,611&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,606&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,660&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,598&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,200&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,021&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,042&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Provision (credit) for loan losses&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,000)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;150&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(250)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net interest income after provision (credit) for loan losses&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;9,598&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,200&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;7,871&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,292&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,867&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,986&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,075&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,816&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,746&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,413&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,442&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,622&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income before income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,719&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,773&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,504&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,486&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Provision for income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;878&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;547&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;434&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;430&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,841&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,226&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,070&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,056&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Basic earnings per common share&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.10&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.06&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.05&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.05&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Diluted earnings per common share&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.09&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.06&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.05&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.05&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Cash dividends declared per common share&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.01&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.01&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.01&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.00&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15"&gt;2012 QUARTER ENDED&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;DEC. 31&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SEPT. 30&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;JUNE 30&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;MARCH 31&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15"&gt;(IN THOUSANDS, EXCEPT PER SHARE DATA)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9,878&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 10,030&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9,885&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 10,124&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,796&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,888&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,964&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,066&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8,082&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8,142&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,921&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8,058&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Provision (credit) for loan losses&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 550&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (200&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (500&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (625&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net interest income after provision (credit) for loan losses&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,532&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8,342&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8,421&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 8,683&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,887&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,649&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,733&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,674&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 10,373&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 10,087&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 10,067&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 10,114&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income before income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,046&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,904&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,087&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,243&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Provision for income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 311&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 597&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 655&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 678&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 735&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,307&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,432&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,565&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Basic earnings per common share&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.04&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.05&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.06&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.06&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Diluted earnings per common share&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.04&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.05&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.06&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.06&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Cash dividends declared per common share&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.00&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock>
  <us-gaap:ScheduleOfSegmentReportingInformationBySegmentTextBlock id="ScheduleOfSegmentReportingInformationBySegmentTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;YEAR ENDED DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RETAIL BANKING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL BANKING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TRUST&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;INVESTMENT/ PARENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;20,223&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,687&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;35&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(3,084)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;32,861&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Credit provision for loan loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(92)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,008)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,100)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,512&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;642&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,391&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;199&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,744&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;22,870&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,148&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,605&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,600&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;42,223&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income (loss) before income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,957&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;7,189&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,821&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(5,485)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;7,482&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income tax expense (benefit)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,165&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,166&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;619&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,661)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,289&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net income (loss)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,792&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,023&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,202&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(3,824)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,193&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total assets&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;347,823&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;545,556&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,722&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;157,935&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,056,036&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;YEAR ENDED DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RETAIL BANKING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL BANKING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TRUST&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;INVESTMENT/ PARENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 20,585&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 14,499&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;35&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (2,916&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 32,203&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Credit provision for loan loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (160&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (615&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (775&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,565&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;585&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,784&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;9&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 14,943&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 22,802&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 8,970&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 6,387&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,482&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 40,641&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income (loss) before income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,508&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,729&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,432&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (5,389&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,280&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income tax expense (benefit)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,358&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,044&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 487&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (1,648&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,241&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net income (loss)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 3,150&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,685&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 945&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (3,741&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 5,039&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total assets&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 336,241&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 497,331&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,429&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 162,990&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,000,991&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;YEAR ENDED DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RETAIL BANKING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL BANKING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TRUST&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;INVESTMENT/ PARENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 20,100&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 13,860&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;41&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,718&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 32,283&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Credit provision for loan loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (263&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (3,312&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (3,575&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,055&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;597&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,282&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (365&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 13,569&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 23,470&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 7,833&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 6,118&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,616&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 40,037&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income (loss) before income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,948&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9,936&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,205&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (4,699&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9,390&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income tax expense (benefit)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 880&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,995&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 410&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (1,432&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,853&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net income (loss)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,068&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 6,941&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 795&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (3,267&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 6,537&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total assets&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 337,869&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 442,087&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 3,917&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 195,203&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 979,076&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfSegmentReportingInformationBySegmentTextBlock>
  <us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock id="ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23"&gt;YEAR ENDED DECEMBER 31&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SHARES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;WEIGHTED AVERAGE EXERCISE PRICE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SHARES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;WEIGHTED AVERAGE EXERCISE PRICE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SHARES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;WEIGHTED AVERAGE EXERCISE PRICE&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Outstanding at beginning of year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;398,371&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.43&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 313,612&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3.02&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 257,287&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3.18&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Granted&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;102,445&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3.19&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 164,241&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2.73&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 58,575&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2.25&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Exercised&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(3,467)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.81&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,500&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1.70&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (750&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1.70&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Forfeited&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(10,000)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;4.25&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (77,982&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; 5.47&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (1,500&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"&gt; 1.70&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Outstanding at end of year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;487,349&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.55&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 398,371&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; 2.43&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 313,612&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"&gt; 3.02&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Exercisable at end of year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;257,253&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;2.25&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 167,624&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2.29&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 179,874&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3.81&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Weighted average fair value of options granted in current year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.83&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.80&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.51&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock>
  <us-gaap:ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock id="ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;YEAR ENDED DECEMBER 31&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; BLACK-SCHOLES ASSUMPTION RANGES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Risk-free interest rate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;strong&gt;1.82&amp;nbsp;-&amp;nbsp;2.03%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; 1.66&amp;nbsp;-&amp;nbsp;2.28%&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; 2.19&amp;nbsp;-&amp;nbsp;3.62%&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Expected lives in years&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;10&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;10&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;10&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Expected volatility&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;strong&gt;30.06&amp;nbsp;-&amp;nbsp;32.32%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; 33.26&amp;nbsp;-&amp;nbsp;35.77%&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; 35.03&amp;nbsp;-&amp;nbsp;35.25%&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Expected dividend rate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1.30%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;0%&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;0%&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock>
  <us-gaap:ScheduleOfShortTermDebtTextBlock id="ScheduleOfShortTermDebtTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FEDERAL FUNDS PURCHASED&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SHORT-TERM BORROWINGS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;41,555&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Maximum indebtedness at any month end&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;41,555&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Average balance during year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;959&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;16,482&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Average rate paid for the year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.34%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.26%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest rate on year end balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.25&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FEDERAL FUNDS PURCHASED&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SHORT-TERM BORROWINGS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 15,660&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Maximum indebtedness at any month end&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 19,755&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Average balance during year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;117&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,225&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Average rate paid for the year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.34&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.20&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest rate on year end balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.25&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FEDERAL FUNDS PURCHASED&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;OTHER SHORT-TERM BORROWINGS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 15,765&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Maximum indebtedness at any month end&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 15,765&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Average balance during year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;49&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,167&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Average rate paid for the year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.32&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.51&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest rate on year-end balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.34&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfShortTermDebtTextBlock>
  <us-gaap:ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock id="ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;LESS THAN 12 MONTHS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;12 MONTHS OR LONGER&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,812&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(64)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;938&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(62)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,750&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(126)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency mortgage-backed&lt;br /&gt; securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;43,402&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,224)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;669&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(3)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;44,071&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,227)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Corporate bonds&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,777&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(215)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,963&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(37)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,740&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(252)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;53,991&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,503)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,570&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(102)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;57,561&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,605)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;LESS THAN 12 MONTHS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;12 MONTHS OR LONGER&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Corporate bonds/taxable municipals and other securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,801&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(205)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;994&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(6)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,795&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(211)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,761&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(477)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,761&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(477)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;12,562&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(682)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;994&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(6)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;13,556&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(688)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following tables present information concerning investments with unrealized losses as of December 31, 2012 (in thousands):&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities available for sale:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;LESS THAN 12 MONTHS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;12 MONTHS OR LONGER&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;993&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(7&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;993&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(7&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; U.S. Agency mortgage-backed securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,140&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(8&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;349&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(2&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,489&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;(10&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Corporate bonds&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 6,898&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (103&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; -&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 6,898&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (103&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 9,031&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (118&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 349&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (2&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 9,380&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (120&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Investment securities held to maturity:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;LESS THAN 12 MONTHS&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;12 MONTHS OR LONGER&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FAIR VALUE&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;UNREALIZED LOSSES&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Corporate bonds and other securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 965&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (35&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,981&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (20&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,946&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (55&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Total&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 965&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (35&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,981&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (20&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,946&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (55&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock>
  <us-gaap:SegmentReportingDisclosureTextBlock id="SegmentReportingDisclosureTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 22.&amp;nbsp;&amp;nbsp;SEGMENT RESULTS&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The financial performance of the Company is also monitored by an internal funds transfer pricing profitability measurement system which produces line of business results and key performance measures. The Company&amp;#39;s major business units include retail banking, commercial lending, trust, and investment/parent. The reported results reflect the underlying economics of the business segments. Expenses for centrally provided services are allocated based upon the cost and estimated usage of those services. The businesses are match-funded and interest rate risk is centrally managed and accounted for within the investment/parent business segment. The key performance measure the Company focuses on for each business segment is net income contribution.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Retail banking includes the deposit-gathering branch franchise and lending to both individuals and small businesses. Lending activities include residential mortgage loans, direct consumer loans, and small business commercial loans. Commercial banking to businesses includes commercial loans, and commercial real-estate loans. The trust segment contains our wealth management businesses which include the Trust Company, West Chester Capital Advisors, our registered investment advisory firm and financial services. Wealth management includes personal trust products and services such as personal portfolio investment management, estate planning and administration, custodial services and pre-need trusts. Also, institutional trust products and services such as 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts are included in this segment. Financial services include the sale of mutual funds, annuities, and insurance products. The Wealth management businesses also includes the union collective investment funds, namely the ERECT and BUILD funds which are designed to use union pension dollars in construction projects that utilize union labor. The investment/parent includes the net results of investment securities and borrowing activities, general corporate expenses not allocated to the business segments, interest expense on guaranteed junior subordinated deferrable interest debentures, and centralized interest rate risk management. Inter-segment revenues were not material.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The contribution of the major business segments to the Consolidated Results of Operations were as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;YEAR ENDED DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RETAIL BANKING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL BANKING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TRUST&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;INVESTMENT/ PARENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;20,223&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,687&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;35&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(3,084)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;32,861&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Credit provision for loan loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(92)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,008)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,100)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,512&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;642&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;8,391&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;199&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;15,744&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;22,870&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;10,148&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;6,605&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,600&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;42,223&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income (loss) before income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;3,957&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;7,189&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,821&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(5,485)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;7,482&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income tax expense (benefit)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,165&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,166&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;619&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;(1,661)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,289&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net income (loss)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;2,792&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,023&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,202&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(3,824)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,193&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total assets&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;347,823&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;545,556&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,722&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;157,935&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,056,036&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;YEAR ENDED DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RETAIL BANKING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL BANKING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TRUST&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;INVESTMENT/ PARENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 20,585&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 14,499&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;35&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (2,916&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 32,203&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Credit provision for loan loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (160&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (615&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (775&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,565&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;585&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,784&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;9&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 14,943&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 22,802&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 8,970&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 6,387&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,482&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 40,641&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income (loss) before income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 4,508&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,729&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,432&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (5,389&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,280&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income tax expense (benefit)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,358&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,044&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 487&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (1,648&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,241&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net income (loss)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 3,150&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,685&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 945&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (3,741&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 5,039&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total assets&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 336,241&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 497,331&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,429&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 162,990&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 1,000,991&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19"&gt;YEAR ENDED DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;RETAIL BANKING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;COMMERCIAL BANKING&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TRUST&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;INVESTMENT/ PARENT&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;TOTAL&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 20,100&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 13,860&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;41&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (1,718&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 32,283&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Credit provision for loan loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (263&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (3,312&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (3,575&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,055&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;597&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 7,282&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (365&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 13,569&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Non-interest expense&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 23,470&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 7,833&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 6,118&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,616&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 40,037&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income (loss) before income taxes&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,948&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9,936&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,205&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (4,699&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 9,390&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Income tax expense (benefit)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 880&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,995&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 410&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; (1,432&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 2,853&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net income (loss)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 2,068&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 6,941&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 795&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (3,267&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 6,537&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total assets&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 337,869&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 442,087&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 3,917&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 195,203&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 979,076&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:SegmentReportingDisclosureTextBlock>
  <us-gaap:ShareBasedCompensation id="ShareBasedCompensation.4554.3923.136.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">82000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation id="ShareBasedCompensation.4555.3923.136.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">38000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation id="ShareBasedCompensation.4556.3923.136.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">15000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 id="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">P3Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue id="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.83</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue id="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.80</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue id="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">0.51</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
  <us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod id="SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">P10Y</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate id="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="pure" decimals="3">0.013</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate id="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="pure" decimals="0">0</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate id="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="pure" decimals="0">0</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate>
  <us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1 id="SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">P10Y</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1>
  <us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1 id="SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0">P10Y</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1>
  <us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1 id="SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0">P10Y</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate id="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.4554.3382.4365.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3382.4365.0.0.0.0" unitRef="pure" decimals="4">0.3006</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate id="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.4555.3382.4365.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3382.4365.0.0.0.0" unitRef="pure" decimals="4">0.3326</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate id="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.4556.3382.4365.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3382.4365.0.0.0.0" unitRef="pure" decimals="4">0.3503</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate id="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.4554.3373.4365.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3373.4365.0.0.0.0" unitRef="pure" decimals="4">0.3232</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate id="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.4555.3373.4365.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3373.4365.0.0.0.0" unitRef="pure" decimals="4">0.3577</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate id="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.4556.3373.4365.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3373.4365.0.0.0.0" unitRef="pure" decimals="4">0.3525</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate id="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.4554.3382.4365.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3382.4365.0.0.0.0" unitRef="pure" decimals="4">0.0182</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate id="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.4555.3382.4365.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3382.4365.0.0.0.0" unitRef="pure" decimals="4">0.0166</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate id="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.4556.3382.4365.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3382.4365.0.0.0.0" unitRef="pure" decimals="4">0.0219</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate id="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.4554.3373.4365.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.3373.4365.0.0.0.0" unitRef="pure" decimals="4">0.0203</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate id="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.4555.3373.4365.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.3373.4365.0.0.0.0" unitRef="pure" decimals="4">0.0228</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate id="ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.4556.3373.4365.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.3373.4365.0.0.0.0" unitRef="pure" decimals="4">0.0362</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized id="ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="shares" decimals="0">800000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="shares" decimals="0">257253</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="shares" decimals="0">167624</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.4552.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.0.0.0.0.0.0" unitRef="shares" decimals="0">179874</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.4550.3382.4365.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3382.4365.0.0.0.0" unitRef="USD_per_share" decimals="2">3.05</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.4551.3382.4365.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3382.4365.0.0.0.0" unitRef="USD_per_share" decimals="2">2.80</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.4552.3382.4365.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.3382.4365.0.0.0.0" unitRef="USD_per_share" decimals="2">2.07</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.4550.3373.4365.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3373.4365.0.0.0.0" unitRef="USD_per_share" decimals="2">5.75</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.4551.3373.4365.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3373.4365.0.0.0.0" unitRef="USD_per_share" decimals="2">5.75</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.4552.3373.4365.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.3373.4365.0.0.0.0" unitRef="USD_per_share" decimals="2">6.10</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">2.25</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">2.29</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.4552.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">3.81</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="shares" decimals="0">10000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="shares" decimals="0">77982</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="shares" decimals="0">1500</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="shares" decimals="0">102445</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="shares" decimals="0">164241</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="shares" decimals="0">58575</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="shares" decimals="0">487349</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="shares" decimals="0">398371</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.4552.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.0.0.0.0.0.0" unitRef="shares" decimals="0">313612</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.4553.0.0.0.0.0.0" contextRef="as-of-2010-12-31.4553.0.0.0.0.0.0.0" unitRef="shares" decimals="0">257287</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">2.55</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">2.43</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.4552.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">3.02</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice id="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.4553.0.0.0.0.0.0" contextRef="as-of-2010-12-31.4553.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">3.18</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice>
  <us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent id="SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="pure" decimals="0">1</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent>
  <us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice id="ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">1.81</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice id="ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">1.70</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice id="ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">1.70</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice id="ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">4.25</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice id="ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">5.47</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice id="ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">1.70</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice id="ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">3.19</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice id="ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">2.73</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice id="ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD_per_share" decimals="2">2.25</us-gaap:ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice>
  <us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy id="ShareBasedCompensationOptionAndIncentivePlansPolicy.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; STOCK-BASED COMPENSATION:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company uses the modified prospective method for accounting of stock-based compensation. The Company recognized $82,000, $38,000 and $15,000 of pretax compensation expense for the years 2013, 2012 and 2011. The fair value of each option grant is estimated on the grant date using the Black-Scholes option pricing model. See Note 18 for details on the assumptions used.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy>
  <us-gaap:SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1 id="SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1.4550.36924.5083.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36924.5083.0.0.0.0" unitRef="USD_per_share" decimals="2">2.25</us-gaap:SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1>
  <us-gaap:SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2 id="SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2.4554.36924.5083.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36924.5083.0.0.0.0">P6Y4M28D</us-gaap:SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2>
  <us-gaap:ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit id="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit.4554.36924.5083.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36924.5083.0.0.0.0" unitRef="USD_per_share" decimals="2">1.53</us-gaap:ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit>
  <us-gaap:ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit id="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit.4554.36925.5083.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36925.5083.0.0.0.0" unitRef="USD_per_share" decimals="2">1.92</us-gaap:ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit>
  <us-gaap:ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions id="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions.4550.36924.5083.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36924.5083.0.0.0.0" unitRef="shares" decimals="0">257253</us-gaap:ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions>
  <us-gaap:ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions id="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions.4550.36925.5083.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36925.5083.0.0.0.0" unitRef="shares" decimals="0">230096</us-gaap:ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions>
  <us-gaap:ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions id="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="shares" decimals="0">398371</us-gaap:ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions>
  <us-gaap:SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1 id="SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1.4550.36925.5083.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36925.5083.0.0.0.0" unitRef="USD_per_share" decimals="2">2.90</us-gaap:SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1>
  <us-gaap:SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2 id="SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2.4554.36925.5083.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36925.5083.0.0.0.0">P8Y9M18D</us-gaap:SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2>
  <us-gaap:ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit id="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit.4554.36924.5083.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36924.5083.0.0.0.0" unitRef="USD_per_share" decimals="2">5.75</us-gaap:ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit>
  <us-gaap:ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit id="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit.4554.36925.5083.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36925.5083.0.0.0.0" unitRef="USD_per_share" decimals="2">3.23</us-gaap:ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit>
  <us-gaap:ShortTermBorrowings id="ShortTermBorrowings.4550.2202.5106.0.0.0.0" xsi:nil="true" contextRef="as-of-2013-12-31.4550.0.2202.5106.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ShortTermBorrowings id="ShortTermBorrowings.4551.2202.5106.0.0.0.0" xsi:nil="true" contextRef="as-of-2012-12-31.4551.0.2202.5106.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ShortTermBorrowings id="ShortTermBorrowings.4552.2202.5106.0.0.0.0" xsi:nil="true" contextRef="as-of-2011-12-31.4552.0.2202.5106.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ShortTermBorrowings id="ShortTermBorrowings.4550.36909.5106.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36909.5106.0.0.0.0" unitRef="USD" decimals="-3">41555000</us-gaap:ShortTermBorrowings>
  <us-gaap:ShortTermBorrowings id="ShortTermBorrowings.4551.36909.5106.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36909.5106.0.0.0.0" unitRef="USD" decimals="-3">15660000</us-gaap:ShortTermBorrowings>
  <us-gaap:ShortTermBorrowings id="ShortTermBorrowings.4552.36909.5106.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.36909.5106.0.0.0.0" unitRef="USD" decimals="-3">15765000</us-gaap:ShortTermBorrowings>
  <us-gaap:ShorttermDebtAverageOutstandingAmount id="ShorttermDebtAverageOutstandingAmount.4554.2202.5106.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.2202.5106.0.0.0.0" unitRef="USD" decimals="-3">959000</us-gaap:ShorttermDebtAverageOutstandingAmount>
  <us-gaap:ShorttermDebtAverageOutstandingAmount id="ShorttermDebtAverageOutstandingAmount.4555.2202.5106.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.2202.5106.0.0.0.0" unitRef="USD" decimals="-3">117000</us-gaap:ShorttermDebtAverageOutstandingAmount>
  <us-gaap:ShorttermDebtAverageOutstandingAmount id="ShorttermDebtAverageOutstandingAmount.4556.2202.5106.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.2202.5106.0.0.0.0" unitRef="USD" decimals="-3">49000</us-gaap:ShorttermDebtAverageOutstandingAmount>
  <us-gaap:ShorttermDebtAverageOutstandingAmount id="ShorttermDebtAverageOutstandingAmount.4554.36909.5106.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36909.5106.0.0.0.0" unitRef="USD" decimals="-3">16482000</us-gaap:ShorttermDebtAverageOutstandingAmount>
  <us-gaap:ShorttermDebtAverageOutstandingAmount id="ShorttermDebtAverageOutstandingAmount.4555.36909.5106.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36909.5106.0.0.0.0" unitRef="USD" decimals="-3">5225000</us-gaap:ShorttermDebtAverageOutstandingAmount>
  <us-gaap:ShorttermDebtAverageOutstandingAmount id="ShorttermDebtAverageOutstandingAmount.4556.36909.5106.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36909.5106.0.0.0.0" unitRef="USD" decimals="-3">1167000</us-gaap:ShorttermDebtAverageOutstandingAmount>
  <us-gaap:ShorttermDebtMaximumMonthendOutstandingAmount id="ShorttermDebtMaximumMonthendOutstandingAmount.4554.2202.5106.0.0.0.0" xsi:nil="true" contextRef="from-2013-01-01-to-2013-12-31.4554.0.2202.5106.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ShorttermDebtMaximumMonthendOutstandingAmount id="ShorttermDebtMaximumMonthendOutstandingAmount.4555.2202.5106.0.0.0.0" xsi:nil="true" contextRef="from-2012-01-01-to-2012-12-31.4555.0.2202.5106.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ShorttermDebtMaximumMonthendOutstandingAmount id="ShorttermDebtMaximumMonthendOutstandingAmount.4556.2202.5106.0.0.0.0" xsi:nil="true" contextRef="from-2011-01-01-to-2011-12-31.4556.0.2202.5106.0.0.0.0" unitRef="USD" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" />
  <us-gaap:ShorttermDebtMaximumMonthendOutstandingAmount id="ShorttermDebtMaximumMonthendOutstandingAmount.4554.36909.5106.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.36909.5106.0.0.0.0" unitRef="USD" decimals="-3">41555000</us-gaap:ShorttermDebtMaximumMonthendOutstandingAmount>
  <us-gaap:ShorttermDebtMaximumMonthendOutstandingAmount id="ShorttermDebtMaximumMonthendOutstandingAmount.4555.36909.5106.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.36909.5106.0.0.0.0" unitRef="USD" decimals="-3">19755000</us-gaap:ShorttermDebtMaximumMonthendOutstandingAmount>
  <us-gaap:ShorttermDebtMaximumMonthendOutstandingAmount id="ShorttermDebtMaximumMonthendOutstandingAmount.4556.36909.5106.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.36909.5106.0.0.0.0" unitRef="USD" decimals="-3">15765000</us-gaap:ShorttermDebtMaximumMonthendOutstandingAmount>
  <us-gaap:ShortTermDebtTextBlock id="ShortTermDebtTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 9.&amp;nbsp;&amp;nbsp;SHORT-TERM BORROWINGS&lt;/h2&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Short-term borrowings, which consist of federal funds purchased and other short-term borrowings are summarized as follows:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31, 2013&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FEDERAL FUNDS PURCHASED&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SHORT-TERM BORROWINGS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;41,555&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Maximum indebtedness at any month end&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;41,555&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Average balance during year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;959&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;16,482&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Average rate paid for the year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.34%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.26%&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest rate on year end balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;-&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.25&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31, 2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FEDERAL FUNDS PURCHASED&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;SHORT-TERM BORROWINGS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 15,660&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Maximum indebtedness at any month end&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 19,755&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Average balance during year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;117&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,225&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Average rate paid for the year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.34&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.20&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest rate on year end balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.25&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31, 2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;FEDERAL FUNDS PURCHASED&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;OTHER SHORT-TERM BORROWINGS&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS, EXCEPT RATES)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 15,765&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Maximum indebtedness at any month end&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 15,765&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Average balance during year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;49&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,167&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Average rate paid for the year&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.32&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.51&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; %&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Interest rate on year-end balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;-&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.34&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Average amounts outstanding during the year represent daily averages. Average interest rates represent interest expense divided by the related average balances.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; These borrowing transactions can range from overnight to one year in maturity. The average maturity was one day at both the end of 2013 and 2012 and three days at the end of 2011.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ShortTermDebtTextBlock>
  <us-gaap:ShortTermDebtWeightedAverageInterestRate id="ShortTermDebtWeightedAverageInterestRate.4550.2202.5106.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.2202.5106.0.0.0.0" unitRef="pure" decimals="0">0</us-gaap:ShortTermDebtWeightedAverageInterestRate>
  <us-gaap:ShortTermDebtWeightedAverageInterestRate id="ShortTermDebtWeightedAverageInterestRate.4551.2202.5106.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.2202.5106.0.0.0.0" unitRef="pure" decimals="0">0</us-gaap:ShortTermDebtWeightedAverageInterestRate>
  <us-gaap:ShortTermDebtWeightedAverageInterestRate id="ShortTermDebtWeightedAverageInterestRate.4552.2202.5106.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.2202.5106.0.0.0.0" unitRef="pure" decimals="0">0</us-gaap:ShortTermDebtWeightedAverageInterestRate>
  <us-gaap:ShortTermDebtWeightedAverageInterestRate id="ShortTermDebtWeightedAverageInterestRate.4550.36909.5106.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36909.5106.0.0.0.0" unitRef="pure" decimals="4">0.0025</us-gaap:ShortTermDebtWeightedAverageInterestRate>
  <us-gaap:ShortTermDebtWeightedAverageInterestRate id="ShortTermDebtWeightedAverageInterestRate.4551.36909.5106.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36909.5106.0.0.0.0" unitRef="pure" decimals="4">0.0025</us-gaap:ShortTermDebtWeightedAverageInterestRate>
  <us-gaap:ShortTermDebtWeightedAverageInterestRate id="ShortTermDebtWeightedAverageInterestRate.4552.36909.5106.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.36909.5106.0.0.0.0" unitRef="pure" decimals="4">0.0034</us-gaap:ShortTermDebtWeightedAverageInterestRate>
  <us-gaap:SignificantAccountingPoliciesTextBlock id="SignificantAccountingPoliciesTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; 1.&amp;nbsp;&amp;nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES&lt;/h2&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; BUSINESS AND NATURE OF OPERATIONS:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; AmeriServ Financial, Inc. (the Company) is a bank holding company, headquartered in Johnstown, Pennsylvania. Through its banking subsidiary the Company operates 18 banking locations in five southwestern Pennsylvania counties. These branches provide a full range of consumer, mortgage, and commercial financial products. The AmeriServ Trust and Financial Services Company (Trust Company) offers a complete range of trust and financial services and administers assets valued at approximately $1.7 billion that are not recognized on the Company&amp;#39;s Consolidated Balance Sheet at December 31, 2013.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; PRINCIPLES OF CONSOLIDATION:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The consolidated financial statements include the accounts of AmeriServ Financial, Inc. and its wholly-owned subsidiaries, AmeriServ Financial Bank (the Bank), Trust Company, and AmeriServ Life Insurance Company (AmeriServ Life). The Bank is a state-chartered full service bank with 18 locations in Pennsylvania. AmeriServ Life is a captive insurance company that engages in underwriting as a reinsurer of credit life and disability insurance.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Intercompany accounts and transactions have been eliminated in preparing the Consolidated Financial Statements. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (generally accepted accounting principles, or GAAP) requires management to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying notes. Actual results may differ from these estimates and the differences may be material to the Consolidated Financial Statements. The Company&amp;#39;s most significant estimates relate to the allowance for loan losses, goodwill, income taxes and investment securities.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; INVESTMENT SECURITIES:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Securities are classified at the time of purchase as investment securities held to maturity if it is management&amp;#39;s intent and the Company has the ability to hold the securities until maturity. These held to maturity securities are carried on the Company&amp;#39;s books at cost, adjusted for amortization of premium and accretion of discount which is computed using the level yield method which approximates the effective interest method. Alternatively, securities are classified as available for sale if it is management&amp;#39;s intent at the time of purchase to hold the securities for an indefinite period of time and/or to use the securities as part of the Company&amp;#39;s asset/liability management strategy. Securities classified as available for sale include securities which may be sold to effectively manage interest rate risk exposure, prepayment risk, and other factors (such as liquidity requirements). These available for sale securities are reported at fair value with unrealized aggregate appreciation/depreciation excluded from income and credited/charged to accumulated other comprehensive income/loss within stockholders&amp;#39; equity on a net of tax basis. Any securities classified as trading assets are reported at fair value with unrealized aggregate appreciation/depreciation included in income on a net of tax basis. The Company does not engage in trading activity.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Realized gains or losses on securities sold are computed upon the adjusted cost of the specific securities sold. Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security&amp;#39;s performance, the creditworthiness of the issuer and the Company&amp;#39;s intent and ability to hold the security to recovery. The Company believes the unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; FEDERAL HOME LOAN BANK STOCK:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB) and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. The stock is bought from and sold to the FHLB based upon its $100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated for by management. The stock&amp;#39;s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time any such situation has persisted (b) Commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) The impact of legislative and regulatory changes on the customer base of FHLB and (d) The liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; LOANS:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Interest income is recognized using the level yield method related to principal amounts outstanding. The Company discontinues the accrual of interest income when loans become 90 days past due in either principal or interest. In addition, if circumstances warrant, the accrual of interest may be discontinued prior to 90 days. Payments received on non-accrual loans are credited to principal until full recovery of principal has been recognized; or the loan has been returned to accrual status. The only exception to this policy is for residential mortgage loans wherein interest income is recognized on a cash basis as payments are received. A non-accrual commercial loan is placed on accrual status after becoming current and remaining current for twelve consecutive payments. Residential mortgage loans are placed on accrual status upon becoming current.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; LOAN FEES:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Loan origination and commitment fees, net of associated direct costs, are deferred and amortized into interest and fees on loans over the loan or commitment period. Fee amortization is determined by the effective interest method.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; LOANS HELD FOR SALE:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management&amp;#39;s intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; TRANSFERS OF FINANCIAL ASSETS&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company; (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets; and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; PREMISES AND EQUIPMENT:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Premises and equipment are stated at cost less accumulated depreciation and amortization. Land is carried at cost. Depreciation is charged to operations over the estimated useful lives of the premises and equipment using the straight-line method with a half-year convention. Useful lives of up to 30 years for buildings and up to 10 years for equipment are utilized. Leasehold improvements are amortized using the straight-line method over the terms of the respective leases or useful lives of the improvements, whichever is shorter. Maintenance, repairs, and minor alterations are charged to current operations as expenditures are incurred.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; As a financial institution, which assumes lending and credit risks as a principal element of its business, the Company anticipates that credit losses will be experienced in the normal course of business. Accordingly, the Company consistently applies a comprehensive methodology and procedural discipline to perform an analysis which is updated on a quarterly basis at the Bank level to determine both the adequacy of the allowance for loan losses and the necessary provision for loan losses to be charged against earnings. This methodology includes:&lt;/p&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Review of all criticized, classified and impaired loans with aggregate balances over $250,000 to determine if any specific reserve allocations are required on an individual loan basis. The specific reserve allocations established for these criticized, classified and impaired loans are based on careful analysis of the loan&amp;#39;s performance, the related collateral value, cash flow considerations and the financial capability of any guarantor. All loans classified as doubtful or worse are specifically reserved. For impaired loans the measurement of impairment may be based upon: 1) the present value of expected future cash flows discounted at the loan&amp;#39;s effective interest rate; 2) the observable market price of the impaired loan; or 3) the fair value of the collateral of a collateral dependent loan.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;The application of formula driven reserve allocations for all commercial and commercial real-estate loans by using a three-year migration analysis of net losses incurred within each risk grade for the entire commercial loan portfolio. The difference between estimated and actual losses is reconciled through the nature of the migration analysis.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;The application of formula driven reserve allocations to consumer and residential mortgage loans which are based upon historical net charge-off experience for those loan types. The residential mortgage loan and consumer loan allocations are based upon the Company&amp;#39;s three-year historical average of actual loan net charge-offs experienced in each of those categories.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;The application of formula driven reserve allocations to all outstanding loans is based upon review of historical losses and qualitative factors, which include but are not limited to, economic trends, delinquencies, levels of non-accrual and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies and trends in policy, financial information and documentation exceptions.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"&gt; &lt;tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"&gt; &lt;td style="WIDTH: 21px"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 20px; TEXT-ALIGN: left"&gt;-&lt;/td&gt; &lt;td style="TEXT-ALIGN: left"&gt;Management recognizes that there may be events or economic factors that have occurred affecting specific borrowers or segments of borrowers that may not yet be fully reflected in the information that the Company uses for arriving at reserves for a specific loan or portfolio segment. Therefore, the Company believes that there is estimation risk associated with the use of specific and formula driven allowances.&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; After completion of this process, a formal meeting of the Loan Loss Reserve Committee is held to evaluate the adequacy of the reserve.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; When it is determined that the prospects for recovery of the principal of a loan have significantly diminished, the loan is charged against the allowance account; subsequent recoveries, if any, are credited to the allowance account. In addition, non-accrual and large delinquent loans are reviewed monthly to determine potential losses.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company&amp;#39;s policy is to individually review, as circumstances warrant, its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. The Company defines classified loans as those loans rated substandard or doubtful. The Company has also identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances of $250,000 or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and evaluated for specific impairment if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The allowance for unfunded loan commitments and letters of credit is maintained at a level believed by management to be sufficient to absorb estimated losses related to these unfunded credit facilities. The determination of the adequacy of the allowance is based on periodic evaluations of the unfunded credit facilities including an assessment of the probability of commitment usage, credit risk factors for loans outstanding to these same customers and the terms and expiration dates of the unfunded credit facilities. Net adjustments to the allowance for unfunded loan commitments and letters of credit are provided for in the unfunded commitment reserve expense line item within other expense in the Consolidated Statements of Operations and a separate reserve is recorded within the other liabilities section of the Consolidated Balance Sheets in other liabilities.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; TRUST FEES:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Trust fees are recorded on the cash basis which approximates the accrual basis for such income.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; BANK-OWNED LIFE INSURANCE:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company has purchased life insurance policies on certain employees. These policies are recorded on the Consolidated Balance Sheets at their cash surrender value, or the amount that can be realized. Income from these policies and changes in the cash surrender value are recorded in bank owned life insurance within non-interest income.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; INTANGIBLE ASSETS:&lt;/h5&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; Goodwill&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company accounts for goodwill using a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company&amp;#39;s reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an annual impairment analysis of goodwill.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; EARNINGS PER COMMON SHARE:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Basic earnings per share include only the weighted average common shares outstanding. Diluted earnings per share include the weighted average common shares outstanding and any potentially dilutive common stock equivalent shares in the calculation. Treasury shares are treated as retired for earnings per share purposes. Options and warrant to purchase 103,570, 49,842, and 185,917 shares of common stock were outstanding during 2013, 2012 and 2011, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. Exercise prices of anti-dilutive options and warrant to purchase common stock outstanding were $3.05&amp;nbsp;-&amp;nbsp;$5.75, $2.80&amp;nbsp;-&amp;nbsp;$5.75, and $2.07&amp;nbsp;-&amp;nbsp;$6.10 during 2013, 2012 and 2011, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share.&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11"&gt;Year ended December 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2011&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11"&gt;(In thousands, except per share data)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Numerator:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net income&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;5,193&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 5,039&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 6,537&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Preferred stock dividends and accretion of preferred stock discount&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;209&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 828&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 1,385&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Net income available to common shareholders&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;4,984&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 4,211&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 5,152&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Denominator:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Weighted average common shares outstanding (basic)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;18,942&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 19,685&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 21,184&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Effect of stock options/warrants&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;92&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 62&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 21&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Weighted average common shares outstanding (diluted)&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;19,034&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 19,747&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; 21,205&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Earnings per common share:&lt;br /&gt; &lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Basic&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.26&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.21&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.24&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"&gt; Diluted&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;0.26&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.21&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 0.24&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; STOCK-BASED COMPENSATION:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company uses the modified prospective method for accounting of stock-based compensation. The Company recognized $82,000, $38,000 and $15,000 of pretax compensation expense for the years 2013, 2012 and 2011. The fair value of each option grant is estimated on the grant date using the Black-Scholes option pricing model. See Note 18 for details on the assumptions used.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; ACCUMULATED OTHER COMPREHENSIVE LOSS:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company presents the components of other comprehensive income (loss) in the Consolidated Statements of Comprehensive Income. These components are comprised of the change in the defined benefit pension obligation and the unrealized holding gains (losses) on available for sale securities, net of any reclassification adjustments for realized gains and losses.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table sets forth the components of accumulated other comprehensive loss, net of tax:&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7"&gt;AT DECEMBER 31,&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2013&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;2012&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; &amp;nbsp;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7"&gt;(IN THOUSANDS)&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Pension obligation for defined benefit plan&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; &lt;strong&gt;(6,918)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; (9,520&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Unrealized holding gains on available for sale securities&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; &lt;strong&gt;1,043&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"&gt; 4,141&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Total accumulated other comprehensive loss&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&lt;strong&gt;$&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; &lt;strong&gt;(5,875)&lt;/strong&gt;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"&gt; (5,379&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"&gt; )&lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; CONSOLIDATED STATEMENT OF CASH FLOWS:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; On a consolidated basis, cash and cash equivalents include cash and due from depository institutions, interest bearing deposits, and short-term investments in money market funds. The Company made $137,000 in income tax payments in 2013; $142,000 in 2012; and $97,000 in 2011. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $766,000 in 2013; $1,266,000 in 2012; and $169,000 in 2011. The Company made total interest payments of $6,781,000 in 2013; $8,154,000 in 2012; and $10,699,000 in 2011.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; INCOME TAXES:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; Deferred tax assets or liabilities are computed based on the difference between the financial statement and income tax basis of assets and liabilities using the enacted marginal tax rate. Deferred income tax expenses or credits are based on the changes in the corresponding asset or liability from period to period. Deferred tax assets are reduced, if necessary, by the amounts of such benefits that are not expected to be realized based upon available evidence.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; INTEREST RATE CONTRACTS:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company recognizes all derivatives as either assets or liabilities on the Consolidated Balance Sheets and measures those instruments at fair value. For derivatives designated as fair value hedges, changes in the fair value of the derivative and hedged item related to the hedged risk are recognized in earnings. Changes in fair value of derivatives designated and accounted as cash flow hedges, to the extent they are effective as hedges, are recorded in "Other Comprehensive Income," net of deferred taxes and are subsequently reclassified to earnings when the hedged transaction affects earnings. Any hedge ineffectiveness would be recognized in the income statement line item pertaining to the hedged item.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The Company periodically enters into derivative instruments to meet the financing, interest rate and equity risk management needs of its customers. Upon entering into these instruments to meet customer needs, the Company enters into offsetting positions to minimize interest rate and equity risk to the Company. These derivative financial instruments are reported at fair value with any resulting gain or loss recorded in current period earnings. These instruments and their offsetting positions are recorded in other assets and other liabilities on the Consolidated Balance Sheets.&lt;/p&gt; &lt;h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"&gt; RECENT ACCOUNTING STANDARDS:&lt;/h5&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; In July 2013, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2013-11, &lt;em&gt;Income Taxes (Topic 740): Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists.&lt;/em&gt; This Update applies to all entities that have unrecognized tax benefits when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists at the reporting date. An unrecognized tax benefit, or a portion of an unrecognized tax benefit, should be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except as follows. To the extent a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date under the tax law of the applicable jurisdiction to settle any additional income taxes that would result from the disallowance of a tax position or the tax law of the applicable jurisdiction does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose, the unrecognized tax benefit should be presented in the financial statements as a liability and should not be combined with deferred tax assets. The assessment of whether a deferred tax asset is available is based on the unrecognized tax benefit and deferred tax asset that exist at the reporting date and should be made presuming disallowance of the tax position at the reporting date. The amendments in this Update are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. Early adoption is permitted. The amendments should be applied prospectively to all unrecognized tax benefits that exist at the effective date. Retrospective application is permitted. This ASU did not have a significant impact on the Company&amp;#39;s financial statements.&lt;/p&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; In January 2014, the FASB issued ASU 2014-04, &lt;em&gt;Receivables&amp;nbsp;-&amp;nbsp;Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.&lt;/em&gt; The amendments in this Update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in this Update using either a modified retrospective transition method or a prospective transition method. This ASU is not expected to have a significant impact on the Company&amp;#39;s financial statements.&lt;/p&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:SignificantAccountingPoliciesTextBlock>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">113307000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">110468000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4552.0.0.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">112352000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4550.4097.5169.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4097.5169.0.0.0.0" unitRef="USD" decimals="-3">21000000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4551.4097.5169.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.4097.5169.0.0.0.0" unitRef="USD" decimals="-3">21000000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4552.4097.5169.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.4097.5169.0.0.0.0" unitRef="USD" decimals="-3">21000000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4553.4097.5169.0.0.0.0" contextRef="as-of-2010-12-31.4553.0.4097.5169.0.0.0.0" unitRef="USD" decimals="-3">20669000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4550.1087.5169.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1087.5169.0.0.0.0" unitRef="USD" decimals="-3">264000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4551.1087.5169.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1087.5169.0.0.0.0" unitRef="USD" decimals="-3">264000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4552.1087.5169.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.1087.5169.0.0.0.0" unitRef="USD" decimals="-3">264000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4553.1087.5169.0.0.0.0" contextRef="as-of-2010-12-31.4553.0.1087.5169.0.0.0.0" unitRef="USD" decimals="-3">264000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4550.5367.5169.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.5367.5169.0.0.0.0" unitRef="USD" decimals="-3">-74829000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4551.5367.5169.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.5367.5169.0.0.0.0" unitRef="USD" decimals="-3">-73658000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4552.5367.5169.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.5367.5169.0.0.0.0" unitRef="USD" decimals="-3">-69241000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4553.5367.5169.0.0.0.0" contextRef="as-of-2010-12-31.4553.0.5367.5169.0.0.0.0" unitRef="USD" decimals="-3">-68659000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4550.485.5169.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.485.5169.0.0.0.0" unitRef="USD" decimals="-3">145190000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4551.485.5169.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.485.5169.0.0.0.0" unitRef="USD" decimals="-3">145102000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4552.485.5169.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.485.5169.0.0.0.0" unitRef="USD" decimals="-3">145061000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4553.485.5169.0.0.0.0" contextRef="as-of-2010-12-31.4553.0.485.5169.0.0.0.0" unitRef="USD" decimals="-3">145045000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4550.4652.5169.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.4652.5169.0.0.0.0" unitRef="USD" decimals="-3">27557000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4551.4652.5169.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.4652.5169.0.0.0.0" unitRef="USD" decimals="-3">23139000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4552.4652.5169.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.4652.5169.0.0.0.0" unitRef="USD" decimals="-3">18928000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4553.4652.5169.0.0.0.0" contextRef="as-of-2010-12-31.4553.0.4652.5169.0.0.0.0" unitRef="USD" decimals="-3">14601000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4550.466.5169.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.466.5169.0.0.0.0" unitRef="USD" decimals="-3">-5875000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4551.466.5169.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.466.5169.0.0.0.0" unitRef="USD" decimals="-3">-5379000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4552.466.5169.0.0.0.0" contextRef="as-of-2011-12-31.4552.0.466.5169.0.0.0.0" unitRef="USD" decimals="-3">-3660000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4553.466.5169.0.0.0.0" contextRef="as-of-2010-12-31.4553.0.466.5169.0.0.0.0" unitRef="USD" decimals="-3">-4862000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4550.3923.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">113307000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity id="StockholdersEquity.4551.3923.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.3923.136.0.0.0.0" unitRef="USD" decimals="-3">110468000</us-gaap:StockholdersEquity>
  <us-gaap:StockIssuedDuringPeriodSharesNewIssues id="StockIssuedDuringPeriodSharesNewIssues.4607.5025.5173.0.0.0.0" contextRef="from-2011-07-11-to-2011-08-11.4607.0.5025.5173.0.0.0.0" unitRef="shares" decimals="0">21000</us-gaap:StockIssuedDuringPeriodSharesNewIssues>
  <us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised id="StockIssuedDuringPeriodSharesStockOptionsExercised.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="shares" decimals="0">3467</us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised>
  <us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised id="StockIssuedDuringPeriodSharesStockOptionsExercised.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="shares" decimals="0">1500</us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised>
  <us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised id="StockIssuedDuringPeriodSharesStockOptionsExercised.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="shares" decimals="0">750</us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised>
  <us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan id="StockIssuedDuringPeriodValueDividendReinvestmentPlan.4554.485.5169.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.485.5169.0.0.0.0" unitRef="USD" decimals="-3">6000</us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan>
  <us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan id="StockIssuedDuringPeriodValueDividendReinvestmentPlan.4555.485.5169.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.485.5169.0.0.0.0" unitRef="USD" decimals="-3">3000</us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan>
  <us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan id="StockIssuedDuringPeriodValueDividendReinvestmentPlan.4556.485.5169.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.485.5169.0.0.0.0" unitRef="USD" decimals="-3">1000</us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan>
  <us-gaap:StockIssuedDuringPeriodValueNewIssues id="StockIssuedDuringPeriodValueNewIssues.4607.5025.5173.0.0.0.0" contextRef="from-2011-07-11-to-2011-08-11.4607.0.5025.5173.0.0.0.0" unitRef="USD" decimals="-3">21000000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
  <us-gaap:StockOptionPlanExpense id="StockOptionPlanExpense.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">88000</us-gaap:StockOptionPlanExpense>
  <us-gaap:StockOptionPlanExpense id="StockOptionPlanExpense.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">41000</us-gaap:StockOptionPlanExpense>
  <us-gaap:StockOptionPlanExpense id="StockOptionPlanExpense.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">15000</us-gaap:StockOptionPlanExpense>
  <us-gaap:SuppliesAndPostageExpense id="SuppliesAndPostageExpense.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">810000</us-gaap:SuppliesAndPostageExpense>
  <us-gaap:SuppliesAndPostageExpense id="SuppliesAndPostageExpense.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">830000</us-gaap:SuppliesAndPostageExpense>
  <us-gaap:SuppliesAndPostageExpense id="SuppliesAndPostageExpense.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">886000</us-gaap:SuppliesAndPostageExpense>
  <us-gaap:TangibleCapitalToTangibleAssets id="TangibleCapitalToTangibleAssets.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0764</us-gaap:TangibleCapitalToTangibleAssets>
  <us-gaap:TangibleCapitalToTangibleAssets id="TangibleCapitalToTangibleAssets.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="pure" decimals="4">0.0778</us-gaap:TangibleCapitalToTangibleAssets>
  <us-gaap:TaxCreditCarryforwardAmount id="TaxCreditCarryforwardAmount.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1700000</us-gaap:TaxCreditCarryforwardAmount>
  <us-gaap:TaxesOther id="TaxesOther.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1467000</us-gaap:TaxesOther>
  <us-gaap:TaxesOther id="TaxesOther.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1439000</us-gaap:TaxesOther>
  <us-gaap:TaxesOther id="TaxesOther.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1372000</us-gaap:TaxesOther>
  <us-gaap:TierOneLeverageCapital id="TierOneLeverageCapital.4550.1153.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1153.136.0.0.0.0" unitRef="USD" decimals="-3">117957000</us-gaap:TierOneLeverageCapital>
  <us-gaap:TierOneLeverageCapital id="TierOneLeverageCapital.4551.1153.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1153.136.0.0.0.0" unitRef="USD" decimals="-3">112916000</us-gaap:TierOneLeverageCapital>
  <us-gaap:TierOneLeverageCapital id="TierOneLeverageCapital.4550.36765.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36765.136.0.0.0.0" unitRef="USD" decimals="-3">92611000</us-gaap:TierOneLeverageCapital>
  <us-gaap:TierOneLeverageCapital id="TierOneLeverageCapital.4551.36765.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36765.136.0.0.0.0" unitRef="USD" decimals="-3">92200000</us-gaap:TierOneLeverageCapital>
  <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy id="TierOneLeverageCapitalRequiredForCapitalAdequacy.4550.1153.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1153.136.0.0.0.0" unitRef="USD" decimals="-3">41204000</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy>
  <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy id="TierOneLeverageCapitalRequiredForCapitalAdequacy.4551.1153.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1153.136.0.0.0.0" unitRef="USD" decimals="-3">39474000</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy>
  <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy id="TierOneLeverageCapitalRequiredForCapitalAdequacy.4550.36765.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36765.136.0.0.0.0" unitRef="USD" decimals="-3">40124000</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy>
  <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy id="TierOneLeverageCapitalRequiredForCapitalAdequacy.4551.36765.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36765.136.0.0.0.0" unitRef="USD" decimals="-3">38616000</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy>
  <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets id="TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.4550.1153.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1153.136.0.0.0.0" unitRef="pure" decimals="2">0.04</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets>
  <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets id="TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.4551.1153.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1153.136.0.0.0.0" unitRef="pure" decimals="2">0.04</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets>
  <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets id="TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.4550.36765.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36765.136.0.0.0.0" unitRef="pure" decimals="2">0.04</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets>
  <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets id="TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.4551.36765.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36765.136.0.0.0.0" unitRef="pure" decimals="2">0.04</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets>
  <us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized id="TierOneLeverageCapitalRequiredToBeWellCapitalized.4550.1153.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1153.136.0.0.0.0" unitRef="USD" decimals="-3">51505000</us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized>
  <us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized id="TierOneLeverageCapitalRequiredToBeWellCapitalized.4551.1153.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1153.136.0.0.0.0" unitRef="USD" decimals="-3">49343000</us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized>
  <us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized id="TierOneLeverageCapitalRequiredToBeWellCapitalized.4550.36765.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36765.136.0.0.0.0" unitRef="USD" decimals="-3">50155000</us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized>
  <us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized id="TierOneLeverageCapitalRequiredToBeWellCapitalized.4551.36765.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36765.136.0.0.0.0" unitRef="USD" decimals="-3">48269000</us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalized>
  <us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets id="TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.4550.1153.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1153.136.0.0.0.0" unitRef="pure" decimals="2">0.05</us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets>
  <us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets id="TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.4551.1153.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1153.136.0.0.0.0" unitRef="pure" decimals="2">0.05</us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets>
  <us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets id="TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.4550.36765.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36765.136.0.0.0.0" unitRef="pure" decimals="2">0.05</us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets>
  <us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets id="TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.4551.36765.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36765.136.0.0.0.0" unitRef="pure" decimals="2">0.05</us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets>
  <us-gaap:TierOneLeverageCapitalToAverageAssets id="TierOneLeverageCapitalToAverageAssets.4550.1153.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1153.136.0.0.0.0" unitRef="pure" decimals="4">0.1145</us-gaap:TierOneLeverageCapitalToAverageAssets>
  <us-gaap:TierOneLeverageCapitalToAverageAssets id="TierOneLeverageCapitalToAverageAssets.4551.1153.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1153.136.0.0.0.0" unitRef="pure" decimals="4">0.1144</us-gaap:TierOneLeverageCapitalToAverageAssets>
  <us-gaap:TierOneLeverageCapitalToAverageAssets id="TierOneLeverageCapitalToAverageAssets.4550.36765.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36765.136.0.0.0.0" unitRef="pure" decimals="4">0.0923</us-gaap:TierOneLeverageCapitalToAverageAssets>
  <us-gaap:TierOneLeverageCapitalToAverageAssets id="TierOneLeverageCapitalToAverageAssets.4551.36765.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36765.136.0.0.0.0" unitRef="pure" decimals="4">0.0955</us-gaap:TierOneLeverageCapitalToAverageAssets>
  <us-gaap:TierOneRiskBasedCapital id="TierOneRiskBasedCapital.4550.1153.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1153.136.0.0.0.0" unitRef="USD" decimals="-3">117957000</us-gaap:TierOneRiskBasedCapital>
  <us-gaap:TierOneRiskBasedCapital id="TierOneRiskBasedCapital.4551.1153.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1153.136.0.0.0.0" unitRef="USD" decimals="-3">112916000</us-gaap:TierOneRiskBasedCapital>
  <us-gaap:TierOneRiskBasedCapital id="TierOneRiskBasedCapital.4550.36765.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36765.136.0.0.0.0" unitRef="USD" decimals="-3">92611000</us-gaap:TierOneRiskBasedCapital>
  <us-gaap:TierOneRiskBasedCapital id="TierOneRiskBasedCapital.4551.36765.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36765.136.0.0.0.0" unitRef="USD" decimals="-3">92200000</us-gaap:TierOneRiskBasedCapital>
  <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy id="TierOneRiskBasedCapitalRequiredForCapitalAdequacy.4550.1153.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1153.136.0.0.0.0" unitRef="USD" decimals="-3">33624000</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy>
  <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy id="TierOneRiskBasedCapitalRequiredForCapitalAdequacy.4551.1153.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1153.136.0.0.0.0" unitRef="USD" decimals="-3">30794000</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy>
  <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy id="TierOneRiskBasedCapitalRequiredForCapitalAdequacy.4550.36765.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36765.136.0.0.0.0" unitRef="USD" decimals="-3">33253000</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy>
  <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy id="TierOneRiskBasedCapitalRequiredForCapitalAdequacy.4551.36765.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36765.136.0.0.0.0" unitRef="USD" decimals="-3">30530000</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy>
  <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets id="TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.4550.1153.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1153.136.0.0.0.0" unitRef="pure" decimals="2">0.04</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
  <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets id="TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.4551.1153.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1153.136.0.0.0.0" unitRef="pure" decimals="2">0.04</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
  <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets id="TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.4550.36765.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36765.136.0.0.0.0" unitRef="pure" decimals="2">0.04</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
  <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets id="TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.4551.36765.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36765.136.0.0.0.0" unitRef="pure" decimals="2">0.04</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
  <us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized id="TierOneRiskBasedCapitalRequiredToBeWellCapitalized.4550.1153.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1153.136.0.0.0.0" unitRef="USD" decimals="-3">50435000</us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized>
  <us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized id="TierOneRiskBasedCapitalRequiredToBeWellCapitalized.4551.1153.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1153.136.0.0.0.0" unitRef="USD" decimals="-3">46191000</us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized>
  <us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized id="TierOneRiskBasedCapitalRequiredToBeWellCapitalized.4550.36765.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36765.136.0.0.0.0" unitRef="USD" decimals="-3">49879000</us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized>
  <us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized id="TierOneRiskBasedCapitalRequiredToBeWellCapitalized.4551.36765.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36765.136.0.0.0.0" unitRef="USD" decimals="-3">45795000</us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalized>
  <us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets id="TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.4550.1153.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1153.136.0.0.0.0" unitRef="pure" decimals="2">0.06</us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
  <us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets id="TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.4551.1153.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1153.136.0.0.0.0" unitRef="pure" decimals="2">0.06</us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
  <us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets id="TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.4550.36765.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36765.136.0.0.0.0" unitRef="pure" decimals="2">0.06</us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
  <us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets id="TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.4551.36765.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36765.136.0.0.0.0" unitRef="pure" decimals="2">0.06</us-gaap:TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
  <us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets id="TierOneRiskBasedCapitalToRiskWeightedAssets.4550.1153.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.1153.136.0.0.0.0" unitRef="pure" decimals="4">0.1403</us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets>
  <us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets id="TierOneRiskBasedCapitalToRiskWeightedAssets.4551.1153.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.1153.136.0.0.0.0" unitRef="pure" decimals="4">0.1467</us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets>
  <us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets id="TierOneRiskBasedCapitalToRiskWeightedAssets.4550.36765.136.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.36765.136.0.0.0.0" unitRef="pure" decimals="4">0.1114</us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets>
  <us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets id="TierOneRiskBasedCapitalToRiskWeightedAssets.4551.36765.136.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.36765.136.0.0.0.0" unitRef="pure" decimals="4">0.1208</us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets>
  <us-gaap:TimeDepositMaturitiesAfterYearFive id="TimeDepositMaturitiesAfterYearFive.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">47371000</us-gaap:TimeDepositMaturitiesAfterYearFive>
  <us-gaap:TimeDepositMaturitiesYearFive id="TimeDepositMaturitiesYearFive.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">10541000</us-gaap:TimeDepositMaturitiesYearFive>
  <us-gaap:TimeDepositMaturitiesYearFour id="TimeDepositMaturitiesYearFour.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">11684000</us-gaap:TimeDepositMaturitiesYearFour>
  <us-gaap:TimeDepositMaturitiesYearOne id="TimeDepositMaturitiesYearOne.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">128725000</us-gaap:TimeDepositMaturitiesYearOne>
  <us-gaap:TimeDepositMaturitiesYearThree id="TimeDepositMaturitiesYearThree.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">20033000</us-gaap:TimeDepositMaturitiesYearThree>
  <us-gaap:TimeDepositMaturitiesYearTwo id="TimeDepositMaturitiesYearTwo.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">42497000</us-gaap:TimeDepositMaturitiesYearTwo>
  <us-gaap:TimeDeposits id="TimeDeposits.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">260851000</us-gaap:TimeDeposits>
  <us-gaap:TimeDeposits100000OrMore id="TimeDeposits100000OrMore.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">47287000</us-gaap:TimeDeposits100000OrMore>
  <us-gaap:TimeDeposits100000OrMore id="TimeDeposits100000OrMore.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">35339000</us-gaap:TimeDeposits100000OrMore>
  <us-gaap:TimeDepositsLessThan100000 id="TimeDepositsLessThan100000.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">260851000</us-gaap:TimeDepositsLessThan100000>
  <us-gaap:TimeDepositsLessThan100000 id="TimeDepositsLessThan100000.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">280393000</us-gaap:TimeDepositsLessThan100000>
  <us-gaap:TransferOfOtherRealEstate id="TransferOfOtherRealEstate.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">766000</us-gaap:TransferOfOtherRealEstate>
  <us-gaap:TransferOfOtherRealEstate id="TransferOfOtherRealEstate.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">1266000</us-gaap:TransferOfOtherRealEstate>
  <us-gaap:TransferOfOtherRealEstate id="TransferOfOtherRealEstate.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">169000</us-gaap:TransferOfOtherRealEstate>
  <us-gaap:TreasuryStockShares id="TreasuryStockShares.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="shares" decimals="0">7617819</us-gaap:TreasuryStockShares>
  <us-gaap:TreasuryStockShares id="TreasuryStockShares.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="shares" decimals="0">7233819</us-gaap:TreasuryStockShares>
  <us-gaap:TreasuryStockSharesAcquired id="TreasuryStockSharesAcquired.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="shares" decimals="0">384000</us-gaap:TreasuryStockSharesAcquired>
  <us-gaap:TreasuryStockSharesAcquired id="TreasuryStockSharesAcquired.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="shares" decimals="0">1757800</us-gaap:TreasuryStockSharesAcquired>
  <us-gaap:TreasuryStockSharesAcquired id="TreasuryStockSharesAcquired.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="shares" decimals="0">287400</us-gaap:TreasuryStockSharesAcquired>
  <us-gaap:TreasuryStockValue id="TreasuryStockValue.4550.0.0.0.0.0.0" contextRef="as-of-2013-12-31.4550.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">74829000</us-gaap:TreasuryStockValue>
  <us-gaap:TreasuryStockValue id="TreasuryStockValue.4551.0.0.0.0.0.0" contextRef="as-of-2012-12-31.4551.0.0.0.0.0.0.0" unitRef="USD" decimals="-3">73658000</us-gaap:TreasuryStockValue>
  <us-gaap:TreasuryStockValueAcquiredCostMethod id="TreasuryStockValueAcquiredCostMethod.4554.5367.5169.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.5367.5169.0.0.0.0" unitRef="USD" decimals="-3">1171000</us-gaap:TreasuryStockValueAcquiredCostMethod>
  <us-gaap:TreasuryStockValueAcquiredCostMethod id="TreasuryStockValueAcquiredCostMethod.4555.5367.5169.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.5367.5169.0.0.0.0" unitRef="USD" decimals="-3">4417000</us-gaap:TreasuryStockValueAcquiredCostMethod>
  <us-gaap:TreasuryStockValueAcquiredCostMethod id="TreasuryStockValueAcquiredCostMethod.4556.5367.5169.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.5367.5169.0.0.0.0" unitRef="USD" decimals="-3">582000</us-gaap:TreasuryStockValueAcquiredCostMethod>
  <us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock id="TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">&lt;!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --&gt;&lt;div&gt; &lt;div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"&gt; &lt;!--StartFragment--&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table details the TDRs at December 31, 2013 (dollars in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; Loans in non-accrual status&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;# of Loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Current Balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Concession Granted&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;2&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 1,250&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; Loans in accrual status&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;# of Loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Current Balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Concession Granted&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;2&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;161&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;2&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;61&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table details the TDRs at December 31, 2012 (dollars in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; Loans in non-accrual status&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;# of Loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Current Balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Concession Granted&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;4&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 3,772&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; Loans in accrual status&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;# of Loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Current Balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Concession Granted&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;2&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;169&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: white"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Consumer&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;1&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;13&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"&gt; The following table details the TDRs at December 31, 2011 (dollars in thousands).&lt;/p&gt; &lt;div style="TEXT-ALIGN: center"&gt; &lt;table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"&gt; &lt;tr&gt; &lt;td&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td colspan="3"&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;tr&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"&gt; Loans in accrual status&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;# of Loans&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Current Balance&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"&gt;Concession Granted&lt;/td&gt; &lt;/tr&gt; &lt;tr style="BACKGROUND-COLOR: rgb(204,255,204)"&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"&gt; Commercial loan secured by real estate&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt;5&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;$&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"&gt; 2,870&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"&gt; &lt;!-- GUTTER --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt; &lt;!-- $ --&gt;&amp;nbsp;&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"&gt;Extension of maturity date&lt;/td&gt; &lt;td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"&gt; &lt;!-- PERCENT --&gt;&amp;nbsp;&lt;/td&gt; &lt;/tr&gt; &lt;/table&gt; &lt;/div&gt; &lt;!--EndFragment--&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock>
  <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding id="WeightedAverageNumberOfDilutedSharesOutstanding.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="shares" decimals="-3">19034000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
  <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding id="WeightedAverageNumberOfDilutedSharesOutstanding.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="shares" decimals="-3">19747000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
  <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding id="WeightedAverageNumberOfDilutedSharesOutstanding.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="shares" decimals="-3">21205000</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
  <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic id="WeightedAverageNumberOfSharesOutstandingBasic.4554.0.0.0.0.0.0" contextRef="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0" unitRef="shares" decimals="-3">18942000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
  <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic id="WeightedAverageNumberOfSharesOutstandingBasic.4555.0.0.0.0.0.0" contextRef="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0" unitRef="shares" decimals="-3">19685000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
  <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic id="WeightedAverageNumberOfSharesOutstandingBasic.4556.0.0.0.0.0.0" contextRef="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0" unitRef="shares" decimals="-3">21184000</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
  <xbrli:unit id="USD">
    <xbrli:measure>iso4217:USD</xbrli:measure>
  </xbrli:unit>
  <xbrli:unit id="pure">
    <xbrli:measure>xbrli:pure</xbrli:measure>
  </xbrli:unit>
  <xbrli:unit id="USD_per_share">
    <xbrli:divide>
      <xbrli:unitNumerator>
        <xbrli:measure>iso4217:USD</xbrli:measure>
      </xbrli:unitNumerator>
      <xbrli:unitDenominator>
        <xbrli:measure>xbrli:shares</xbrli:measure>
      </xbrli:unitDenominator>
    </xbrli:divide>
  </xbrli:unit>
  <xbrli:unit id="shares">
    <xbrli:measure>xbrli:shares</xbrli:measure>
  </xbrli:unit>
  <xbrli:context id="from-2013-10-01-to-2013-12-31.4621.0.0.0.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-10-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-07-01-to-2013-09-30.4620.0.0.0.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-07-01</xbrli:startDate>
      <xbrli:endDate>2013-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-04-01-to-2013-06-30.4619.0.0.0.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-04-01</xbrli:startDate>
      <xbrli:endDate>2013-06-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.743.4272.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:BuildingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.5478.1358.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.5367.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:TreasuryStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.5157.3273.3382.4365.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:LossContingenciesByNatureOfContingencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:StandbyLettersOfCreditMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MinimumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.5157.3273.3373.4365.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:LossContingenciesByNatureOfContingencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:StandbyLettersOfCreditMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MaximumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.5025.5173.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SeriesEPreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.485.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.466.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.4652.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.465.3750.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:OtherComprehensiveIncomeLocationAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.4097.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.4013.3750.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:OtherComprehensiveIncomeLocationAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.4013.1518.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.3923.136.36932.4820.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ParentCompanyMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:NonBankingSubsidiariesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.3923.136.36931.4820.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ParentCompanyMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:BankingSubsidiaryMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.3923.136.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ParentCompanyMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.3820.1358.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:OtherDebtSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.37283.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:InvestmentParentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36930.1573.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeByNatureAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:InterestRateSwapTwoMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36929.1573.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeByNatureAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:InterestRateSwapOneMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36925.5083.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:RangeTwoMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36924.5083.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:RangeOneMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36912.1361.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36909.5106.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ShortTermDebtExcludingFederalFundsPurchasedMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36884.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:TrustMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36880.36795.3382.4365.5025.5173">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:DividendRateOfPreferredStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:TermTwoMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MinimumMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SeriesEPreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36880.36795.3373.4365.5025.5173">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:DividendRateOfPreferredStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:TermTwoMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MaximumMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SeriesEPreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36879.36795.3382.4365.5025.5173">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:DividendRateOfPreferredStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:TermThreeMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MinimumMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SeriesEPreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36879.36795.3373.4365.5025.5173">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:DividendRateOfPreferredStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:TermThreeMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MaximumMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SeriesEPreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36878.36795.5025.5173.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:DividendRateOfPreferredStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:TermOneMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SeriesEPreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36878.36795.3382.4365.5025.5173">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:DividendRateOfPreferredStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:TermOneMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MinimumMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SeriesEPreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36878.36795.3373.4365.5025.5173">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:DividendRateOfPreferredStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:TermOneMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MaximumMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SeriesEPreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36877.36795.5025.5173.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:DividendRateOfPreferredStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:TermFourMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SeriesEPreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36877.36795.3382.4365.5025.5173">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:DividendRateOfPreferredStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:TermFourMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MinimumMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SeriesEPreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36870.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:RetailBankingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36833.36805.1077.2302.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:FinancingReceivableAccrualAndNonaccrualStatusAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:LoansInNonAccrualStatusMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36832.36805.1175.2302.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:FinancingReceivableAccrualAndNonaccrualStatusAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:LoansInAccrualStatusMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsumerLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36832.36805.1077.2302.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:FinancingReceivableAccrualAndNonaccrualStatusAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:LoansInAccrualStatusMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36783.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:CommercialBankingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.36763.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:AllocationForGeneralRiskMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.3429.1358.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.3405.2302.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageLoansOnRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.3405.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageLoansOnRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.3382.4365.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MinimumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.3373.4365.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MaximumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.2870.1573.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeByNatureAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:InterestRateSwapMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.2202.5106.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FederalFundsPurchasedMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.1886.1505.4013.1518.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.1853.4272.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:EquipmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.1364.1505.4013.1518.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.1228.1358.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.1175.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsumerLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.1077.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.1070.2295.3382.4365.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MinimumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.1070.2295.3373.4365.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MaximumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.1070.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-12-31.4554.0.0.0.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2013-01-01-to-2013-03-31.4618.0.0.0.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2013-01-01</xbrli:startDate>
      <xbrli:endDate>2013-03-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-10-01-to-2012-12-31.4617.0.0.0.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-10-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-07-01-to-2012-09-30.4616.0.0.0.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-07-01</xbrli:startDate>
      <xbrli:endDate>2012-09-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-04-01-to-2012-06-30.4615.0.0.0.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-04-01</xbrli:startDate>
      <xbrli:endDate>2012-06-30</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.5367.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:TreasuryStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.485.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.466.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.4652.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.4097.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.4013.1518.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.3923.136.36932.4820.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ParentCompanyMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:NonBankingSubsidiariesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.3923.136.36931.4820.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ParentCompanyMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:BankingSubsidiaryMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.3923.136.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ParentCompanyMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.37283.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:InvestmentParentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.36909.5106.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ShortTermDebtExcludingFederalFundsPurchasedMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.36884.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:TrustMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.36870.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:RetailBankingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.36833.36805.1077.2302.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:FinancingReceivableAccrualAndNonaccrualStatusAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:LoansInNonAccrualStatusMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.36832.36805.1175.2302.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:FinancingReceivableAccrualAndNonaccrualStatusAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:LoansInAccrualStatusMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsumerLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.36832.36805.1077.2302.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:FinancingReceivableAccrualAndNonaccrualStatusAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:LoansInAccrualStatusMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.36783.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:CommercialBankingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.36763.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:AllocationForGeneralRiskMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.3405.2302.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageLoansOnRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.3405.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageLoansOnRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.3382.4365.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MinimumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.3373.4365.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MaximumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.2202.5106.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FederalFundsPurchasedMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.1175.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsumerLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.1077.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.1070.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-12-31.4555.0.0.0.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2012-01-01-to-2012-03-31.4614.0.0.0.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2012-01-01</xbrli:startDate>
      <xbrli:endDate>2012-03-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-07-11-to-2011-08-11.4607.0.5025.5173.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SeriesEPreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-07-11</xbrli:startDate>
      <xbrli:endDate>2011-08-11</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-07-11-to-2011-08-11.4607.0.3382.4365.5025.5173.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MinimumMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SeriesEPreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-07-11</xbrli:startDate>
      <xbrli:endDate>2011-08-11</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.5367.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:TreasuryStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.485.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.466.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.4652.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.4097.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.4013.1518.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.3923.136.36932.4820.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ParentCompanyMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:NonBankingSubsidiariesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.3923.136.36931.4820.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ParentCompanyMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:BankingSubsidiaryMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.3923.136.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ParentCompanyMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.37283.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:InvestmentParentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.36909.5106.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ShortTermDebtExcludingFederalFundsPurchasedMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.36884.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:TrustMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.36870.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:RetailBankingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.36832.36805.1077.2302.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:FinancingReceivableAccrualAndNonaccrualStatusAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:LoansInAccrualStatusMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.36783.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:CommercialBankingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.36763.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:AllocationForGeneralRiskMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.3405.2302.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageLoansOnRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.3405.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageLoansOnRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.3382.4365.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MinimumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.3373.4365.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MaximumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.2202.5106.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FederalFundsPurchasedMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.1175.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsumerLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.1077.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.1070.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2011-01-01-to-2011-12-31.4556.0.0.0.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2011-01-01</xbrli:startDate>
      <xbrli:endDate>2011-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2005-01-01-to-2005-12-31.4594.0.36912.1361.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2005-01-01</xbrli:startDate>
      <xbrli:endDate>2005-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="from-2004-01-01-to-2004-12-31.4595.0.36912.1361.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:startDate>2004-01-01</xbrli:startDate>
      <xbrli:endDate>2004-12-31</xbrli:endDate>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2014-01-31.4559.0.0.0.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2014-01-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.941.1505.4013.1518.2138.1998">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CashAndCashEquivalentsMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.941.1505.4013.1518.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CashAndCashEquivalentsMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.743.4272.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:BuildingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.5478.1358.2139.1998.2011.1988">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.5478.1358.2138.1998.2011.1988">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.5478.1358.2129.1998.2011.1988">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.5478.1358.2011.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.5478.1358.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.5399.1358.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:TaxableMunicipalBondsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.5367.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:TreasuryStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.5157.3273.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:LossContingenciesByNatureOfContingencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:StandbyLettersOfCreditMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.5147.1277.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:CreditRatingStandardPoorsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:StandardPoorsARatingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.5141.1277.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:CreditRatingStandardPoorsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:StandardPoorsAAARatingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.5132.2889.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.5025.5173.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SeriesEPreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.485.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.4705.2889.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SubstandardMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.466.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.4652.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.465.3750.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:OtherComprehensiveIncomeLocationAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.43663.2030.2056.1988.3382.4365">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:OtherRealEstateOwnedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MinimumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.43663.2030.2056.1988.3373.4365">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:OtherRealEstateOwnedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MaximumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.43663.2030.2056.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:OtherRealEstateOwnedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.43662.2030.2056.1988.3382.4365">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ImpairedLoansMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MinimumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.43662.2030.2056.1988.3373.4365">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ImpairedLoansMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MaximumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.43662.2030.2056.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ImpairedLoansMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.4097.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.4013.3750.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:OtherComprehensiveIncomeLocationAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.4013.1518.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3923.136.36932.4820.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ParentCompanyMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:NonBankingSubsidiariesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3923.136.36931.4820.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ParentCompanyMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:BankingSubsidiaryMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3923.136.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ParentCompanyMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3918.2889.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PassMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3917.2889.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PerformingFinancingReceivableMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3820.1358.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:OtherDebtSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.37283.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:InvestmentParentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36930.1573.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeByNatureAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:InterestRateSwapTwoMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36929.1573.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DerivativeByNatureAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:InterestRateSwapOneMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36927.750.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:WestChesterCapitalAdvisorsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36925.5083.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:RangeTwoMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36924.5083.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:RangeOneMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36922.1505.4013.1518.2138.1998">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:InternationalEquitySecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36922.1505.4013.1518.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:InternationalEquitySecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36912.1361.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36909.5106.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ShortTermDebtExcludingFederalFundsPurchasedMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36898.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:SmallBusinessLoansMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36884.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:TrustMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36870.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:RetailBankingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36824.36821.1175.2295.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:ImpairedLoansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ImpairedLoansWithSpecificAllowanceMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsumerLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36824.36821.1077.2295.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:ImpairedLoansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ImpairedLoansWithSpecificAllowanceMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36824.36821.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:ImpairedLoansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ImpairedLoansWithSpecificAllowanceMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36823.36821.1175.2295.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:ImpairedLoansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ImpairedLoansWithNoSpecificAllowanceMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsumerLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36823.36821.1077.2295.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:ImpairedLoansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ImpairedLoansWithNoSpecificAllowanceMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36823.36821.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:ImpairedLoansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ImpairedLoansWithNoSpecificAllowanceMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36786.1358.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:CorporateBondsAndOtherSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36783.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:CommercialBankingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36765.136.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:AmeriservFinancialBankMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.36763.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:AllocationForGeneralRiskMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3476.2889.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:NonperformingFinancingReceivableMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3429.1358.2139.1998.2011.1988">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3429.1358.2138.1998.2011.1988">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3429.1358.2129.1998.2011.1988">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3429.1358.2011.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3429.1358.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3405.2302.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageLoansOnRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3405.2295.3917.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageLoansOnRealEstateMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PerformingFinancingReceivableMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3405.2295.3476.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageLoansOnRealEstateMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:NonperformingFinancingReceivableMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3405.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageLoansOnRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3382.4365.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MinimumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3373.4365.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MaximumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3031.4272.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:LeaseholdImprovementsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.3026.4272.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:LandMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.2394.4272.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FurnitureAndFixturesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.2202.5106.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FederalFundsPurchasedMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.2139.1998.2056.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.2139.1998.2011.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.2139.1998.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.2138.1998.2056.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.2138.1998.2011.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.2138.1998.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.2129.1998.2056.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.2129.1998.2011.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.2129.1998.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.2056.1988.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.2011.1988.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1913.1505.4013.1518.2138.1998">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ExchangeTradedFundsMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1913.1505.4013.1518.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ExchangeTradedFundsMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1886.1505.4013.1518.2138.1998">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1886.1505.4013.1518.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1326.2889.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:DoubtfulMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1234.1505.4013.1518.2139.1998">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CorporateDebtSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1234.1505.4013.1518.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CorporateDebtSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1228.1358.2139.1998.2011.1988">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1228.1358.2138.1998.2011.1988">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1228.1358.2129.1998.2011.1988">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1228.1358.2011.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1228.1358.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1175.2295.3917.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsumerLoanMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PerformingFinancingReceivableMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1175.2295.3476.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsumerLoanMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:NonperformingFinancingReceivableMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1175.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsumerLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1153.136.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsolidatedEntitiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1087.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommonStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1080.3273.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:LossContingenciesByNatureOfContingencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommitmentsToExtendCreditMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1077.2302.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1077.2295.5132.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1077.2295.4705.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SubstandardMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1077.2295.3918.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PassMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1077.2295.1326.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:DoubtfulMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1077.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1071.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialPortfolioSegmentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1070.2302.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1070.2295.5132.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1070.2295.4705.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SubstandardMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1070.2295.3918.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PassMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1070.2295.1326.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:DoubtfulMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.1070.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-12-31.4550.0.0.0.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2013-06-30.4560.0.0.0.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2013-06-30</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.941.1505.4013.1518.2138.1998">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CashAndCashEquivalentsMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.941.1505.4013.1518.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CashAndCashEquivalentsMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.743.4272.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:BuildingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.5478.1358.2139.1998.2011.1988">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.5478.1358.2138.1998.2011.1988">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.5478.1358.2129.1998.2011.1988">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.5478.1358.2011.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.5478.1358.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.5399.1358.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:TaxableMunicipalBondsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.5367.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:TreasuryStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.5157.3273.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:LossContingenciesByNatureOfContingencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:StandbyLettersOfCreditMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.5141.1277.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:CreditRatingStandardPoorsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:StandardPoorsAAARatingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.5132.2889.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.485.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.4705.2889.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SubstandardMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.466.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.4652.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.465.3750.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:OtherComprehensiveIncomeLocationAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.43663.2030.2056.1988.3382.4365">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:OtherRealEstateOwnedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MinimumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.43663.2030.2056.1988.3373.4365">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:OtherRealEstateOwnedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MaximumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.43663.2030.2056.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:OtherRealEstateOwnedMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.43662.2030.2056.1988.3382.4365">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ImpairedLoansMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MinimumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.43662.2030.2056.1988.3373.4365">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ImpairedLoansMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MaximumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.43662.2030.2056.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByAssetClassAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ImpairedLoansMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.4097.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.4013.3750.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:OtherComprehensiveIncomeLocationAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.4013.1518.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3923.136.36932.4820.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ParentCompanyMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:NonBankingSubsidiariesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3923.136.36931.4820.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ParentCompanyMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:BankingSubsidiaryMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3923.136.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ParentCompanyMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3918.2889.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PassMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3917.2889.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PerformingFinancingReceivableMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3820.1358.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:OtherDebtSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.37283.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:InvestmentParentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.36922.1505.4013.1518.2138.1998">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:InternationalEquitySecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.36922.1505.4013.1518.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:InternationalEquitySecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.36909.5106.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ShortTermDebtExcludingFederalFundsPurchasedMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.36884.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:TrustMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.36870.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:RetailBankingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.36824.36821.1175.2295.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:ImpairedLoansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ImpairedLoansWithSpecificAllowanceMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsumerLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.36824.36821.1077.2295.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:ImpairedLoansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ImpairedLoansWithSpecificAllowanceMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.36824.36821.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:ImpairedLoansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ImpairedLoansWithSpecificAllowanceMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.36823.36821.1175.2295.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:ImpairedLoansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ImpairedLoansWithNoSpecificAllowanceMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsumerLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.36823.36821.1077.2295.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:ImpairedLoansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ImpairedLoansWithNoSpecificAllowanceMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.36823.36821.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="asrv:ImpairedLoansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ImpairedLoansWithNoSpecificAllowanceMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.36783.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:CommercialBankingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.36765.136.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:AmeriservFinancialBankMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.36763.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:AllocationForGeneralRiskMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3476.2889.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:NonperformingFinancingReceivableMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3429.1358.2139.1998.2011.1988">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3429.1358.2138.1998.2011.1988">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3429.1358.2129.1998.2011.1988">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3429.1358.2011.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3429.1358.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3405.2302.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageLoansOnRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3405.2295.3917.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageLoansOnRealEstateMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PerformingFinancingReceivableMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3405.2295.3476.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageLoansOnRealEstateMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:NonperformingFinancingReceivableMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3405.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageLoansOnRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3382.4365.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MinimumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3373.4365.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MaximumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3031.4272.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:LeaseholdImprovementsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.3026.4272.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:LandMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.2394.4272.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FurnitureAndFixturesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.2202.5106.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FederalFundsPurchasedMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.2139.1998.2056.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.2139.1998.2011.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.2139.1998.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.2138.1998.2056.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.2138.1998.2011.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.2138.1998.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.2129.1998.2056.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.2129.1998.2011.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.2129.1998.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.2056.1988.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.2011.1988.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1913.1505.4013.1518.2138.1998">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ExchangeTradedFundsMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1913.1505.4013.1518.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ExchangeTradedFundsMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1886.1505.4013.1518.2138.1998">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1886.1505.4013.1518.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1326.2889.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:DoubtfulMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1234.1505.4013.1518.2139.1998">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CorporateDebtSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1234.1505.4013.1518.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CorporateDebtSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1228.1358.2139.1998.2011.1988">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1228.1358.2138.1998.2011.1988">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1228.1358.2129.1998.2011.1988">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1228.1358.2011.1988.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1228.1358.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DebtSecurityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1175.2295.3917.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsumerLoanMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PerformingFinancingReceivableMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1175.2295.3476.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsumerLoanMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:NonperformingFinancingReceivableMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1175.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsumerLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1153.136.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsolidatedEntitiesMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1087.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommonStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1080.3273.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:LossContingenciesByNatureOfContingencyAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommitmentsToExtendCreditMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1077.2302.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1077.2295.5132.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1077.2295.4705.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SubstandardMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1077.2295.3918.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PassMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1077.2295.1326.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:DoubtfulMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1077.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1070.2302.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableTroubledDebtRestructuringAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1070.2295.5132.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1070.2295.4705.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:SubstandardMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1070.2295.3918.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PassMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1070.2295.1326.2889.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
        <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:DoubtfulMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.1070.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2012-12-31.4551.0.0.0.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2012-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.5367.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:TreasuryStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.485.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.466.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.4652.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.4097.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.4013.1518.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.3923.136.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ParentCompanyMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.37283.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:InvestmentParentMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.36909.5106.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:ShortTermDebtExcludingFederalFundsPurchasedMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.36884.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:TrustMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.36870.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:RetailBankingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.36783.5172.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementBusinessSegmentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:CommercialBankingMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.36763.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:AllocationForGeneralRiskMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.3405.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageLoansOnRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.3382.4365.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MinimumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.3373.4365.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:RangeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MaximumMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.2202.5106.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:ShortTermDebtTypeAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:FederalFundsPurchasedMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.1175.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsumerLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.1087.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommonStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.1077.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.1070.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2011-12-31.4552.0.0.0.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2011-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2010-12-31.4553.0.5367.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:TreasuryStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2010-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2010-12-31.4553.0.485.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2010-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2010-12-31.4553.0.466.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2010-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2010-12-31.4553.0.4652.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2010-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2010-12-31.4553.0.4097.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:PreferredStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2010-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2010-12-31.4553.0.3923.136.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="dei:LegalEntityAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ParentCompanyMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2010-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2010-12-31.4553.0.36763.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">asrv:AllocationForGeneralRiskMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2010-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2010-12-31.4553.0.3405.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:MortgageLoansOnRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2010-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2010-12-31.4553.0.1175.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:ConsumerLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2010-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2010-12-31.4553.0.1087.5169.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommonStockMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2010-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2010-12-31.4553.0.1077.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2010-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2010-12-31.4553.0.1070.2295.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
      <xbrli:segment>
        <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xmlns:xbrldi="http://xbrl.org/2006/xbrldi">us-gaap:CommercialLoanMember</xbrldi:explicitMember>
      </xbrli:segment>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2010-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <xbrli:context id="as-of-2010-12-31.4553.0.0.0.0.0.0.0">
    <xbrli:entity>
      <xbrli:identifier scheme="http://www.sec.gov/CIK">0000707605</xbrli:identifier>
    </xbrli:entity>
    <xbrli:period>
      <xbrli:instant>2010-12-31</xbrli:instant>
    </xbrli:period>
  </xbrli:context>
  <link:footnoteLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <link:footnote xlink:type="resource" xlink:label="Footnote_304_lbl" xlink:role="http://www.xbrl.org/2003/role/footnote" xml:lang="en-US">Beginning on February 8, 2016, the dividend rate will be fixed at nine percent (9%) per annum.</link:footnote>
    <link:footnote xlink:type="resource" xlink:label="Footnote_305_lbl" xlink:role="http://www.xbrl.org/2003/role/footnote" xml:lang="en-US">Between January 1, 2014 and February 7, 2016, the dividend rate will be fixed at a rate in such range based upon the level of percentage change in QSBL between September 30, 2013 and the Baseline.</link:footnote>
    <link:footnote xlink:type="resource" xlink:label="Footnote_309_lbl" xlink:role="http://www.xbrl.org/2003/role/footnote" xml:lang="en-US">These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).</link:footnote>
    <link:loc xlink:type="locator" xlink:href="#DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.4554.0.0.0.0.0.0" xlink:label="DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.4554.0.0.0.0.0.0_loc" />
    <link:footnoteArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.4554.0.0.0.0.0.0_loc" xlink:to="Footnote_309_lbl" order="1.0" />
    <link:loc xlink:type="locator" xlink:href="#DefinedBenefitPlanFutureAmortizationOfGainLoss.4554.0.0.0.0.0.0" xlink:label="DefinedBenefitPlanFutureAmortizationOfGainLoss.4554.0.0.0.0.0.0_loc" />
    <link:footnoteArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="DefinedBenefitPlanFutureAmortizationOfGainLoss.4554.0.0.0.0.0.0_loc" xlink:to="Footnote_309_lbl" order="1.0" />
    <link:loc xlink:type="locator" xlink:href="#DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.4554.0.0.0.0.0.0" xlink:label="DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.4554.0.0.0.0.0.0_loc" />
    <link:footnoteArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.4554.0.0.0.0.0.0_loc" xlink:to="Footnote_309_lbl" order="1.0" />
    <link:loc xlink:type="locator" xlink:href="#OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.4554.0.0.0.0.0.0" xlink:label="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.4554.0.0.0.0.0.0_loc" />
    <link:footnoteArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.4554.0.0.0.0.0.0_loc" xlink:to="Footnote_309_lbl" order="1.0" />
    <link:loc xlink:type="locator" xlink:href="#OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax.4554.0.0.0.0.0.0" xlink:label="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax.4554.0.0.0.0.0.0_loc" />
    <link:footnoteArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax.4554.0.0.0.0.0.0_loc" xlink:to="Footnote_309_lbl" order="1.0" />
    <link:loc xlink:type="locator" xlink:href="#OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax.4554.0.0.0.0.0.0" xlink:label="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax.4554.0.0.0.0.0.0_loc" />
    <link:footnoteArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax.4554.0.0.0.0.0.0_loc" xlink:to="Footnote_309_lbl" order="1.0" />
    <link:loc xlink:type="locator" xlink:href="#PreferredStockDividendRatePercentage.4554.36877.36795.5025.5173.0.0" xlink:label="PreferredStockDividendRatePercentage.4554.36877.36795.5025.5173.0.0_loc" />
    <link:footnoteArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="PreferredStockDividendRatePercentage.4554.36877.36795.5025.5173.0.0_loc" xlink:to="Footnote_304_lbl" order="1.0" />
    <link:loc xlink:type="locator" xlink:href="#PreferredStockDividendRatePercentage.4554.36879.36795.3382.4365.5025.5173" xlink:label="PreferredStockDividendRatePercentage.4554.36879.36795.3382.4365.5025.5173_loc" />
    <link:footnoteArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="PreferredStockDividendRatePercentage.4554.36879.36795.3382.4365.5025.5173_loc" xlink:to="Footnote_305_lbl" order="1.0" />
    <link:loc xlink:type="locator" xlink:href="#PreferredStockDividendRatePercentage.4554.36879.36795.3373.4365.5025.5173" xlink:label="PreferredStockDividendRatePercentage.4554.36879.36795.3373.4365.5025.5173_loc" />
    <link:footnoteArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" xlink:from="PreferredStockDividendRatePercentage.4554.36879.36795.3373.4365.5025.5173_loc" xlink:to="Footnote_305_lbl" order="1.0" />
  </link:footnoteLink>
</xbrl>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>9
<FILENAME>asrv-20131231.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
<!--Created by Vintage Filings ("VF")-->
<!--produced on 2014-02-26 @ 7:50 PM-->
<xsd:schema targetNamespace="http://ameriservfinancial.com/20131231" elementFormDefault="qualified" xmlns:asrv="http://ameriservfinancial.com/20131231" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:href="asrv-20131231_cal.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" />
      <link:linkbaseRef xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:href="asrv-20131231_def.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" />
      <link:linkbaseRef xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:href="asrv-20131231_lab.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" />
      <link:linkbaseRef xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:href="asrv-20131231_pre.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" />
      <link:roleType roleURI="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebentures" id="asrv-affhlbagjsdid1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>110 - Disclosure - ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesNarrativeDetails" id="asrv-affhlbagjsdidnd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41002 - Disclosure - ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Narrative) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesScheduleOfBalancesAndAdvancesDetails" id="asrv-affhlbagjsdidsobaad1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41001 - Disclosure - ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Schedule of Balances and Advances) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesTables" id="asrv-affhlbagjsdidt1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>310 - Disclosure - ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLosses" id="asrv-afll1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>105 - Disclosure - ALLOWANCE FOR LOAN LOSSES</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedDetails" id="asrv-afllariiilariird1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40504 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Average Recorded Investment in Impaired Loans and Related Interest Income Recognized) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesClassesOfLoanPortfolioByAgingCategoriesDetails" id="asrv-afllcolpbacd" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40507 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Classes of Loan Portfolio by Aging Categories) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesLoanPortfolioSummarizedByCategoriesDetails" id="asrv-aflllpsbcd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40505 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Loan Portfolio Summarized by Categories) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesNarrativeDetails" id="asrv-afllnd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40508 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Narrative) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesPerformingAndNonperformingOutstandingBalancesDetails" id="asrv-afllpanobd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40506 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Performing and Non-performing Outstanding Balances) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesRollforwardOfAllowanceForLoanLossesByPortfolioSegmentDetails" id="asrv-afllroafllbpsd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40501 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Rollforward of the Allowance for Loan Losses by Portfolio Segment) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesScheduleOfImpairedLoansByClassDetails" id="asrv-afllsoilbcd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40503 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Schedule of Impaired Loans by Class) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesSummaryOfPrimarySegmentsOfLoanPortfolioDetails" id="asrv-afllsopsolpd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40502 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Summary of Primary Segments of Loan Portfolio) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesTables" id="asrv-afllt1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>305 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLoss" id="asrv-aocl1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>119 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE LOSS</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossScheduleOfAmountsReclassifiedOutOfEachComponentOfAccumulatedOtherComprehensiveLossDetails" id="asrv-aoclsoarooecoaocld" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41902 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE LOSS (Schedule of Amounts Reclassified out of Each Component of Accumulated Other Comprehensive Loss) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveLossDetails" id="asrv-aoclsociecoaocld" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41901 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE LOSS (Schedule of Changes in Each Component of Accumulated Other Comprehensive Loss) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossTables" id="asrv-aoclt1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>319 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE LOSS (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/CommitmentsAndContingentLiabilities" id="asrv-cacl1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>116 - Disclosure - COMMITMENTS AND CONTINGENT LIABILITIES</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/CommitmentsAndContingentLiabilitiesDetails" id="asrv-cacld1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41601 - Disclosure - COMMITMENTS AND CONTINGENT LIABILITIES (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/CashAndDueFromDepositoryInstitutions" id="asrv-cadfdi" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>102 - Disclosure - CASH AND DUE FROM DEPOSITORY INSTITUTIONS</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/CashAndDueFromDepositoryInstitutionsDetails" id="asrv-cadfdid" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40201 - Disclosure - CASH AND DUE FROM DEPOSITORY INSTITUTIONS (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/ConsolidatedBalanceSheets" id="asrv-cbs1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>002 - Statement - CONSOLIDATED BALANCE SHEETS</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/ConsolidatedBalanceSheetsParenthetical" id="asrv-cbsp1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>003 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfCashFlows" id="asrv-csocf12" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>008 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfComprehensiveIncome" id="asrv-csoci1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>005 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfChangesInStockholdersEquity" id="asrv-csocise1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>006 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfChangesInStockholdersEquityParenthetical" id="asrv-csocisep1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>007 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfOperations" id="asrv-csoo1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>004 - Statement - CONSOLIDATED STATEMENTS OF OPERATIONS</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/Deposits" id="asrv-d1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>108 - Disclosure - DEPOSITS</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/DocumentAndEntityInformation" id="asrv-daei1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>001 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurements" id="asrv-dafvm1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>111 - Disclosure - DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsNarrativeDetails" id="asrv-dafvmnd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41103 - Disclosure - DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Narrative) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsScheduleOfAssetsAndLiabilitiesMeasuredOnRecurringBasisDetails" id="asrv-dafvmsoaalmorbd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41101 - Disclosure - DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Schedule of Assets and Liabilities Measured on Recurring Basis) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsScheduleOfAssetsMeasuredAtFairValueOnNonrecurringBasisDetails" id="asrv-dafvmsoamafvonbd" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41102 - Disclosure - DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Schedule of Assets Measured at Fair Value on Non-Recurring Basis) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsTables" id="asrv-dafvmt1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>311 - Disclosure - DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstruments" id="asrv-dafvofi1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>112 - Disclosure - DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstrumentsDetails" id="asrv-dafvofid1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41201 - Disclosure - DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstrumentsTables" id="asrv-dafvofit1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>312 - Disclosure - DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/DerivativeHedgingInstruments" id="asrv-dhi" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>121 - Disclosure - DERIVATIVE HEDGING INSTRUMENTS</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/DerivativeHedgingInstrumentsDetails" id="asrv-dhid" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>42101 - Disclosure - DERIVATIVE HEDGING INSTRUMENTS (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/DerivativeHedgingInstrumentsTables" id="asrv-dhit" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>321 - Disclosure - DERIVATIVE HEDGING INSTRUMENTS (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/DepositsScheduleOfBalancesOfDepositsDetails" id="asrv-dsobodd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40801 - Disclosure - DEPOSITS (Schedule of Balances of Deposits) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/DepositsScheduleOfBalancesOfDepositsOfOneZeroZeroZeroZeroZeroOrMoreDetails" id="asrv-dsobodoomd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40803 - Disclosure - DEPOSITS (Schedule of Balances of Deposits of $100,000 or More) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/DepositsScheduleOfInterestExpenseOnDepositsDetails" id="asrv-dsoieodd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40802 - Disclosure - DEPOSITS (Schedule of Interest Expense on Deposits) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/DepositsScheduleOfMaturitiesOfDepositsOfOneZeroZeroZeroZeroZeroOrMoreDetails" id="asrv-dsomodoomd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40804 - Disclosure - DEPOSITS (Schedule of Maturities of Deposits of $100,000 or More) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/DepositsTables" id="asrv-dt1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>308 - Disclosure - DEPOSITS (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlans" id="asrv-ebp1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>114 - Disclosure - EMPLOYEE BENEFIT PLANS</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansNarrativeDetails" id="asrv-ebpnd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41401 - Disclosure - EMPLOYEE BENEFIT PLANS (Narrative) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAccumulatedBenefitObligationDetails" id="asrv-ebpsoabod1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41404 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Accumulated Benefit Obligation) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAssetsMeasuredAtFairValueDetails" id="asrv-ebpsoamafvd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41410 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Assets Measured at Fair Value) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAmountsNotYetRecognizedAsComponentOfNetPeriodicPensionCostDetails" id="asrv-ebpsoanyraconppcd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41403 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Amounts Not Yet Recognized as a Component of Net Periodic Pension Cost) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfChangesInBenefitObligationsAndPlanAssetsAndFundedStatusDetails" id="asrv-ebpsociboapaafsd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41402 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Changes in Benefit Obligations and Plan Assets and Funded Status) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfComponentsOfNetPeriodicBenefitCostDetails" id="asrv-ebpsoconpbcd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41406 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Components of Net Periodic Benefit Cost) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfEstimatedFutureBenefitPaymentsDetails" id="asrv-ebpsoefbpd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41411 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Estimated Future Benefit Payments) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfOtherChangesInPlanAssetsAndBenefitObligationsRecognizedInOtherComprehensiveIncomeLossDetails" id="asrv-ebpsoocipaaboriocild1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41407 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Other Changes in Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income (Loss)) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfPlansAssetAllocationsDetails" id="asrv-ebpsopaad1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41409 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Plan's Asset Allocations) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfWeightedAverageAssumptionsUsedToDetermineBenefitObligationsDetails" id="asrv-ebpsowaautdbod1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41405 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Weighted Average Assumptions Used to Determine Benefit Obligations) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfWeightedAverageAssumptionsUsedToDetermineNetPeriodicBenefitCostDetails" id="asrv-ebpsowaautdnpbcd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41408 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Weighted Average Assumptions Used to Determine Net Periodic Benefit Cost) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansTables" id="asrv-ebpt1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>314 - Disclosure - EMPLOYEE BENEFIT PLANS (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/IntangibleAssets" id="asrv-ia" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>120 - Disclosure - INTANGIBLE ASSETS</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/IntangibleAssetsDetails" id="asrv-iad" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>42001 - Disclosure - INTANGIBLE ASSETS (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/InvestmentSecurities" id="asrv-is1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>103 - Disclosure - INVESTMENT SECURITIES</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesNarrativeDetails" id="asrv-isnd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40304 - Disclosure - INVESTMENT SECURITIES (Narrative) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfCostBasisAndFairValuesOfInvestmentSecuritiesDetails" id="asrv-issocbafvoisd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40301 - Disclosure - INVESTMENT SECURITIES (Schedule of Cost Basis and Fair Values of Investment Securities) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfContractualMaturitiesOfSecuritiesDetails" id="asrv-issocmosd" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40302 - Disclosure - INVESTMENT SECURITIES (Schedule of Contractual Maturities of Securities) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfInformationConcerningInvestmentsWithUnrealizedLossesDetails" id="asrv-issoiciwuld" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40303 - Disclosure - INVESTMENT SECURITIES (Schedule of Information Concerning Investments with Unrealized Losses) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesTables" id="asrv-ist1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>303 - Disclosure - INVESTMENT SECURITIES (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/IncomeTaxes" id="asrv-it1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>113 - Disclosure - INCOME TAXES</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/IncomeTaxesNarrativeDetails" id="asrv-itnd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41305 - Disclosure - INCOME TAXES (Narrative) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfChangeInNetDeferredTaxAssetsAndLiabilitiesDetails" id="asrv-itsocindtaald1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41304 - Disclosure - INCOME TAXES (Schedule of Change in Net Deferred Tax Assets and Liabilities) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfDeferredTaxAssetsAndLiabilitiesDetails" id="asrv-itsodtaald1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41303 - Disclosure - INCOME TAXES (Schedule of Deferred Tax Assets and Liabilities) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfExpenseForIncomeTaxesDetails" id="asrv-itsoefitd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41301 - Disclosure - INCOME TAXES (Schedule of Expense for Income Taxes) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfReconciliationBetweenFederalStatutoryTaxRateAndEffectiveIncomeTaxRateDetails" id="asrv-itsorbfstraeitrd" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41302 - Disclosure - INCOME TAXES (Schedule of Reconciliation Between Federal Statutory Tax Rate and Effective Income Tax Rate) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/IncomeTaxesTables" id="asrv-itt1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>313 - Disclosure - INCOME TAXES (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/Loans" id="asrv-l1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>104 - Disclosure - LOANS</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/LeaseCommitments" id="asrv-lc1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>115 - Disclosure - LEASE COMMITMENTS</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/LeaseCommitmentsDetails" id="asrv-lcd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41501 - Disclosure - LEASE COMMITMENTS (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/LeaseCommitmentsTables" id="asrv-lct1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>315 - Disclosure - LEASE COMMITMENTS (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/LoansNarativeDetails" id="asrv-lnd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40402 - Disclosure - LOANS (Narative) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/LoansSummaryOfLoanPortfolioDetails" id="asrv-lsolpd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40401 - Disclosure - LOANS (Summary of Loan Portfolio) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/LoansTables" id="asrv-lt1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>304 - Disclosure - LOANS (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdr" id="asrv-naitdrt12" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>106 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrNarrativeDetails" id="asrv-naitdrtnd" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40605 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Narrative) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfInterestIncomeDetails" id="asrv-naitdrtsoiid" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40604 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of Interest Income) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfNonperformingAssetsIncludingTdrDetails" id="asrv-naitdrtsonaitd" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40601 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of Non-performing Assets Including TDR) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfRecordedInvestmentOfDefaultsDetails" id="asrv-naitdrtsoriodd" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40603 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of Recorded Investment of Defaults) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfTdrsDetails" id="asrv-naitdrtsotd" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40602 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of TDRs) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrTables" id="asrv-naitdrtt1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>306 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/PremisesAndEquipment" id="asrv-pae" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>107 - Disclosure - PREMISES AND EQUIPMENT</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/PremisesAndEquipmentDetails" id="asrv-paed" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40701 - Disclosure - PREMISES AND EQUIPMENT (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/PremisesAndEquipmentTables" id="asrv-paet" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>307 - Disclosure - PREMISES AND EQUIPMENT (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformation" id="asrv-pcfi" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>124 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationBalanceSheetsDetails" id="asrv-pcfibsd" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>42401 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Balance Sheets) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationNarrativeDetails" id="asrv-pcfind" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>42404 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Narrative) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationStatementsOfCashFlowsDetails" id="asrv-pcfisocfd" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>42403 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Statements of Cash Flows) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationStatementsOfOperationsDetails" id="asrv-pcfisood" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>42402 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Statements of Operations) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationTables" id="asrv-pcfit" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>324 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/PreferredStock" id="asrv-ps1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>117 - Disclosure - PREFERRED STOCK</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/PreferredStockNarrativeDetails" id="asrv-psnd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41702 - Disclosure - PREFERRED STOCK (Narrative) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/PreferredStockScheduleOfPreferredDividendStockPeriodAnnualizedDetails" id="asrv-pssopdspad" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41701 - Disclosure - PREFERRED STOCK (Schedule of Preferred Dividend Stock Period Annualized) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/PreferredStockTables" id="asrv-pst1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>317 - Disclosure - PREFERRED STOCK (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/RegulatoryCapital" id="asrv-rc1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>123 - Disclosure - REGULATORY CAPITAL</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/RegulatoryCapitalDetails" id="asrv-rcd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>42301 - Disclosure - REGULATORY CAPITAL (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/RegulatoryCapitalTables" id="asrv-rct1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>323 - Disclosure - REGULATORY CAPITAL (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/ShorttermBorrowings" id="asrv-sb1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>109 - Disclosure - SHORT-TERM BORROWINGS</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/ShorttermBorrowingsDetails" id="asrv-sbd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40901 - Disclosure - SHORT-TERM BORROWINGS (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/ShorttermBorrowingsTables" id="asrv-sbt1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>309 - Disclosure - SHORT-TERM BORROWINGS (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/StockCompensationPlans" id="asrv-scp1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>118 - Disclosure - STOCK COMPENSATION PLANS</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/StockCompensationPlansNarrativeDetails" id="asrv-scpnd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41801 - Disclosure - STOCK COMPENSATION PLANS (Narrative) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/StockCompensationPlansScheduleOfAssumptionsDetails" id="asrv-scpsoad1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41803 - Disclosure - STOCK COMPENSATION PLANS (Schedule of Assumptions) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/StockCompensationPlansScheduleOfStockIncentivePlanActivityDetails" id="asrv-scpsosipad1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>41802 - Disclosure - STOCK COMPENSATION PLANS (Schedule of Stock Incentive Plan Activity) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/StockCompensationPlansTables" id="asrv-scpt1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>318 - Disclosure - STOCK COMPENSATION PLANS (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPolicies" id="asrv-sosap1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>101 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesEarningsPerShareDetails" id="asrv-sosapepsd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40102 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Earnings Per Share) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesNarrativeDetails" id="asrv-sosapnd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40101 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Narrative) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesPolicy" id="asrv-sosapp1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>201 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policy)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesScheduleOfAccumulatedOtherComprehensiveLossDetails" id="asrv-sosapsoaocld1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>40103 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Schedule of Accumulated Other Comprehensive Loss) (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesTables" id="asrv-sosapt1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>301 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/SelectedQuarterlyConsolidatedFinancialData" id="asrv-sqcfd" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>125 - Disclosure - SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/SelectedQuarterlyConsolidatedFinancialDataDetails" id="asrv-sqcfdd" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>42501 - Disclosure - SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/SelectedQuarterlyConsolidatedFinancialDataTables" id="asrv-sqcfdt" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>325 - Disclosure - SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/SegmentResults" id="asrv-sr1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>122 - Disclosure - SEGMENT RESULTS</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/SegmentResultsDetails" id="asrv-srd1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>42201 - Disclosure - SEGMENT RESULTS (Details)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://ameriservfinancial.com/role/SegmentResultsTables" id="asrv-srt1" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>322 - Disclosure - SEGMENT RESULTS (Tables)</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
        <link:usedOn>link:referenceLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/dei/2013-01-31" schemaLocation="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd" />
  <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <xsd:import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/invest/2013-01-31" schemaLocation="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd" />
  <xsd:import namespace="http://fasb.org/us-roles/2013-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2013/elts/us-roles-2013-01-31.xsd" />
  <xsd:import namespace="http://fasb.org/us-gaap/2013-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/country/2013-01-31" schemaLocation="http://xbrl.sec.gov/country/2013/country-2013-01-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <xsd:element name="AccretionOfRedemptionDiscount" id="asrv_AccretionOfRedemptionDiscount" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="AccumulatedOtherComprehensiveLossLineItems" id="asrv_AccumulatedOtherComprehensiveLossLineItems" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="AccumulatedOtherComprehensiveLossTable" id="asrv_AccumulatedOtherComprehensiveLossTable" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" />
  <xsd:element name="AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays" id="asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="AllocationForGeneralRiskMember" id="asrv_AllocationForGeneralRiskMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" id="asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" id="asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="AmeriservFinancialBankMember" id="asrv_AmeriservFinancialBankMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="AmeriservFinancialIncCommonStockMember" id="asrv_AmeriservFinancialIncCommonStockMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" id="asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="AnticipatedScopeOfRangeOfCoverage" id="asrv_AnticipatedScopeOfRangeOfCoverage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI" id="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI" id="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI" id="asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" id="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" id="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis" id="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" id="asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="AvailableForSaleSecuritiesDebtMaturitiesYield" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesYield" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI" id="asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI" id="asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="BankingSubsidiaryMember" id="asrv_BankingSubsidiaryMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="BorrowersAggregateExposureForLoanModificationMinimum" id="asrv_BorrowersAggregateExposureForLoanModificationMinimum" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="BorrowingsAndAdvancesFromFhlbMaturingOvernight" id="asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernight" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate" id="asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="BusinessAndNatureOfOperationsPolicyPolicyTextBlock" id="asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings" id="asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="CommercialBankingMember" id="asrv_CommercialBankingMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="CommercialLoanReceivableModificationsRecordedInvestment" id="asrv_CommercialLoanReceivableModificationsRecordedInvestment" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="ConsolidatedInvestmentSecuritiesPortfolioModifiedYears" id="asrv_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive" id="asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths" id="asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive" id="asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour" id="asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree" id="asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo" id="asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="CorporateBondsAndOtherSecuritiesMember" id="asrv_CorporateBondsAndOtherSecuritiesMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="CreditReviewsMandatoryForLoansAggregateBalances" id="asrv_CreditReviewsMandatoryForLoansAggregateBalances" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="DebtAndCapitalLeaseObligationsFairValueDisclosure" id="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" id="asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" id="asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType" />
  <xsd:element name="DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock" id="asrv_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="DefinedBenefitPlanVestingPeriod" id="asrv_DefinedBenefitPlanVestingPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" id="asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" id="asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="DepositsWithNoStatedMaturities" id="asrv_DepositsWithNoStatedMaturities" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="DepositsWithNoStatedMaturitiesFairValueDisclosure" id="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="DepositsWithStatedMaturities" id="asrv_DepositsWithStatedMaturities" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="DepositsWithStatedMaturitiesFairValueDisclosure" id="asrv_DepositsWithStatedMaturitiesFairValueDisclosure" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="DisclosuresAboutFairValueOfFinancialInstrumentsAbstract" id="asrv_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="DividendAnnualizedPeriod" id="asrv_DividendAnnualizedPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:dateItemType" />
  <xsd:element name="DividendRateOfPreferredStockAxis" id="asrv_DividendRateOfPreferredStockAxis" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" />
  <xsd:element name="DividendRateOfPreferredStockDomain" id="asrv_DividendRateOfPreferredStockDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="DocumentAndEntityInformationAbstract" id="asrv_DocumentAndEntityInformationAbstract" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="FairValueAppraisalOfAdjustments" id="asrv_FairValueAppraisalOfAdjustments" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="FairValueLiquidationExpenses" id="asrv_FairValueLiquidationExpenses" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="FederalHomeLoanBankPrepaymentPenalties" id="asrv_FederalHomeLoanBankPrepaymentPenalties" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="FederalHomeLoanBankStockParValue" id="asrv_FederalHomeLoanBankStockParValue" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:perShareItemType" />
  <xsd:element name="FederalHomeLoanBankStockPolicyPolicyTextBlock" id="asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="FinancialInstrumentsFinancialAssetsCarryingValueAbstract" id="asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" id="asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="FinancingReceivableAccrualAndNonaccrualStatusAxis" id="asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" />
  <xsd:element name="FinancingReceivableAccrualAndNonAccrualStatusDomain" id="asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" id="asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" id="asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="FinancingReceivableMinimumPercentRequiredToBeReviewed" id="asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" id="asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment" id="asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="GainOnSaleOfSecurities" id="asrv_GainOnSaleOfSecurities" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="GrossInvestmentSecuritiesGainMember" id="asrv_GrossInvestmentSecuritiesGainMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="GrossInvestmentSecuritiesGainOrLossAxis" id="asrv_GrossInvestmentSecuritiesGainOrLossAxis" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" />
  <xsd:element name="GrossInvestmentSecuritiesGainOrLossDomain" id="asrv_GrossInvestmentSecuritiesGainOrLossDomain" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="GrossInvestmentSecuritiesLossMember" id="asrv_GrossInvestmentSecuritiesLossMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember" id="asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain" id="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" id="asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" id="asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" id="asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" id="asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue" id="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" id="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" id="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" id="asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesYield" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesYield" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="HeldToMaturitySecuritiesWeightedAverageMaturityTerm" id="asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="ImpairedLoansAxis" id="asrv_ImpairedLoansAxis" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" />
  <xsd:element name="ImpairedLoansDomain" id="asrv_ImpairedLoansDomain" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="ImpairedLoansMember" id="asrv_ImpairedLoansMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="ImpairedLoansWithNoSpecificAllowanceMember" id="asrv_ImpairedLoansWithNoSpecificAllowanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="ImpairedLoansWithSpecificAllowanceMember" id="asrv_ImpairedLoansWithSpecificAllowanceMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="IncreaseDecreaseInShortTermDebtInvesting" id="asrv_IncreaseDecreaseInShortTermDebtInvesting" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure" id="asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="InterestAndFeeIncomeLoansAndLeasesTaxable" id="asrv_InterestAndFeeIncomeLoansAndLeasesTaxable" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="InterestAndFeeIncomeLoansAndLeasesTaxExempt" id="asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore" id="asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="InterestIncomeRecordedNonaccrualLoans" id="asrv_InterestIncomeRecordedNonaccrualLoans" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="InterestRateSwapOneMember" id="asrv_InterestRateSwapOneMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="InterestRateSwapTwoMember" id="asrv_InterestRateSwapTwoMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="InternationalEquitySecuritiesMember" id="asrv_InternationalEquitySecuritiesMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="InvestmentParentMember" id="asrv_InvestmentParentMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="InvestmentSecuritiesAdditionalTextualAbstract" id="asrv_InvestmentSecuritiesAdditionalTextualAbstract" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" id="asrv_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract" id="asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="LoansInAccrualStatusMember" id="asrv_LoansInAccrualStatusMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="LoansInNonAccrualStatusMember" id="asrv_LoansInNonAccrualStatusMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="LoansPastDueAsToMaturity" id="asrv_LoansPastDueAsToMaturity" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="LossContingencyTermOfCommitment" id="asrv_LossContingencyTermOfCommitment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="LossOnSaleOfSecurities" id="asrv_LossOnSaleOfSecurities" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="MaximumNotionalAmountOfDerivativesOutstanding" id="asrv_MaximumNotionalAmountOfDerivativesOutstanding" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus" id="asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="MinimumPercentageTierOneCapitalToBeMaintained" id="asrv_MinimumPercentageTierOneCapitalToBeMaintained" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="NetReductionInInterestIncome" id="asrv_NetReductionInInterestIncome" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="NonBankingSubsidiariesMember" id="asrv_NonBankingSubsidiariesMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="NonperformingAssetIncludingTdrTable" id="asrv_NonperformingAssetIncludingTdrTable" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" />
  <xsd:element name="NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract" id="asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" id="asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr" id="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="NonperformingAssetsIncludingTroubleDebtRestructurings" id="asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems" id="asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" id="asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType" />
  <xsd:element name="NumberOfCountiesInWhichEntityOperates" id="asrv_NumberOfCountiesInWhichEntityOperates" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType" />
  <xsd:element name="OtherBankOwnedLifeInsuranceIncome" id="asrv_OtherBankOwnedLifeInsuranceIncome" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="OtherComprehensiveIncomeLossBeforeReclassifications" id="asrv_OtherComprehensiveIncomeLossBeforeReclassifications" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="OtherRealEstateOwnedMember" id="asrv_OtherRealEstateOwnedMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="PaymentsToAcquireRegulatoryStock" id="asrv_PaymentsToAcquireRegulatoryStock" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="PercentageOfInvestmentSecuritiesPortfolioRated" id="asrv_PercentageOfInvestmentSecuritiesPortfolioRated" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="PercentageOfLendingIncentiveFeePayable" id="asrv_PercentageOfLendingIncentiveFeePayable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="PerCommonShareDataAbstract" id="asrv_PerCommonShareDataAbstract" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="PreferredStockLineItems" id="asrv_PreferredStockLineItems" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="PreferredStockRedemptionPricePercentage" id="asrv_PreferredStockRedemptionPricePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="PreferredStockTable" id="asrv_PreferredStockTable" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" />
  <xsd:element name="RangeOneMember" id="asrv_RangeOneMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="RangeTwoMember" id="asrv_RangeTwoMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="RealEstateConstructionLoansPercentage" id="asrv_RealEstateConstructionLoansPercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <xsd:element name="RecordedInvestmentOfDefaults" id="asrv_RecordedInvestmentOfDefaults" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="Redemption" id="asrv_Redemption" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="RegulatoryAssetsFairValueDisclosure" id="asrv_RegulatoryAssetsFairValueDisclosure" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="RegulatoryCapitalTable" id="asrv_RegulatoryCapitalTable" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" />
  <xsd:element name="RepurchaseOfWarrantsShares" id="asrv_RepurchaseOfWarrantsShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" />
  <xsd:element name="RetailBankingMember" id="asrv_RetailBankingMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock" id="asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock" id="asrv_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock" id="asrv_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock" id="asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfChangesInDeferredTaxesTableTextBlock" id="asrv_ScheduleOfChangesInDeferredTaxesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" id="asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfDepositLiabilitiesTableTextBlock" id="asrv_ScheduleOfDepositLiabilitiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfFairValueOfPlanAssetsTableTextBlock" id="asrv_ScheduleOfFairValueOfPlanAssetsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock" id="asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock" id="asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" id="asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" id="asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock" id="asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" id="asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <xsd:element name="ShortTermDebtExcludingFederalFundsPurchasedMember" id="asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="ShortTermDebtInstrumentWeightedAverageTerm" id="asrv_ShortTermDebtInstrumentWeightedAverageTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="SmallBusinessLoansMember" id="asrv_SmallBusinessLoansMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="SubPrimeMortgageLoansExposure" id="asrv_SubPrimeMortgageLoansExposure" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="TermFourMember" id="asrv_TermFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="TermOneMember" id="asrv_TermOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="TermThreeMember" id="asrv_TermThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="TermTwoMember" id="asrv_TermTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" id="asrv_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus" id="asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType" />
  <xsd:element name="TroubledDebtRestructuringModificationsRecordedInvestment" id="asrv_TroubledDebtRestructuringModificationsRecordedInvestment" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" id="asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element name="TrustMember" id="asrv_TrustMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element name="WarrantRepurchase" id="asrv_WarrantRepurchase" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element name="WestChesterCapitalAdvisorsMember" id="asrv_WestChesterCapitalAdvisorsMember" nillable="true" abstract="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>10
<FILENAME>asrv-20131231_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
<!--Created by Vintage Filings ("VF")-->
<!--produced on 2014-02-26 @ 7:50 PM-->
<link:linkbase xmlns:asrv="http://ameriservfinancial.com/20131231" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase">
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLosses" xlink:href="asrv-20131231.xsd#asrv-afll1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedDetails" xlink:href="asrv-20131231.xsd#asrv-afllariiilariird1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesClassesOfLoanPortfolioByAgingCategoriesDetails" xlink:href="asrv-20131231.xsd#asrv-afllcolpbacd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesScheduleOfImpairedLoansByClassDetails" xlink:href="asrv-20131231.xsd#asrv-afllsoilbcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesLoanPortfolioSummarizedByCategoriesDetails" xlink:href="asrv-20131231.xsd#asrv-aflllpsbcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-afllnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesPerformingAndNonperformingOutstandingBalancesDetails" xlink:href="asrv-20131231.xsd#asrv-afllpanobd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesRollforwardOfAllowanceForLoanLossesByPortfolioSegmentDetails" xlink:href="asrv-20131231.xsd#asrv-afllroafllbpsd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesSummaryOfPrimarySegmentsOfLoanPortfolioDetails" xlink:href="asrv-20131231.xsd#asrv-afllsopsolpd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesTables" xlink:href="asrv-20131231.xsd#asrv-afllt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLoss" xlink:href="asrv-20131231.xsd#asrv-aocl1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossScheduleOfAmountsReclassifiedOutOfEachComponentOfAccumulatedOtherComprehensiveLossDetails" xlink:href="asrv-20131231.xsd#asrv-aoclsoarooecoaocld" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveLossDetails" xlink:href="asrv-20131231.xsd#asrv-aoclsociecoaocld" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossTables" xlink:href="asrv-20131231.xsd#asrv-aoclt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPolicies" xlink:href="asrv-20131231.xsd#asrv-sosap1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/CommitmentsAndContingentLiabilities" xlink:href="asrv-20131231.xsd#asrv-cacl1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedBalanceSheets" xlink:href="asrv-20131231.xsd#asrv-cbs1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedBalanceSheetsParenthetical" xlink:href="asrv-20131231.xsd#asrv-cbsp1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfCashFlows" xlink:href="asrv-20131231.xsd#asrv-csocf12" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfComprehensiveIncome" xlink:href="asrv-20131231.xsd#asrv-csoci1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfOperations" xlink:href="asrv-20131231.xsd#asrv-csoo1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DocumentAndEntityInformation" xlink:href="asrv-20131231.xsd#asrv-daei1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurements" xlink:href="asrv-20131231.xsd#asrv-dafvm1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsScheduleOfAssetsAndLiabilitiesMeasuredOnRecurringBasisDetails" xlink:href="asrv-20131231.xsd#asrv-dafvmsoaalmorbd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsScheduleOfAssetsMeasuredAtFairValueOnNonrecurringBasisDetails" xlink:href="asrv-20131231.xsd#asrv-dafvmsoamafvonbd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstrumentsDetails" xlink:href="asrv-20131231.xsd#asrv-dafvofid1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsTables" xlink:href="asrv-20131231.xsd#asrv-dafvmt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/InvestmentSecurities" xlink:href="asrv-20131231.xsd#asrv-is1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfContractualMaturitiesOfSecuritiesDetails" xlink:href="asrv-20131231.xsd#asrv-issocmosd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfInformationConcerningInvestmentsWithUnrealizedLossesDetails" xlink:href="asrv-20131231.xsd#asrv-issoiciwuld" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-isnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfCostBasisAndFairValuesOfInvestmentSecuritiesDetails" xlink:href="asrv-20131231.xsd#asrv-issocbafvoisd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesTables" xlink:href="asrv-20131231.xsd#asrv-ist1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/Loans" xlink:href="asrv-20131231.xsd#asrv-l1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/LoansNarativeDetails" xlink:href="asrv-20131231.xsd#asrv-lnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/LoansSummaryOfLoanPortfolioDetails" xlink:href="asrv-20131231.xsd#asrv-lsolpd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/LoansTables" xlink:href="asrv-20131231.xsd#asrv-lt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfNonperformingAssetsIncludingTdrDetails" xlink:href="asrv-20131231.xsd#asrv-naitdrtsonaitd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-naitdrtnd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfRecordedInvestmentOfDefaultsDetails" xlink:href="asrv-20131231.xsd#asrv-naitdrtsoriodd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfInterestIncomeDetails" xlink:href="asrv-20131231.xsd#asrv-naitdrtsoiid" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfTdrsDetails" xlink:href="asrv-20131231.xsd#asrv-naitdrtsotd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdr" xlink:href="asrv-20131231.xsd#asrv-naitdrt12" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrTables" xlink:href="asrv-20131231.xsd#asrv-naitdrtt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlans" xlink:href="asrv-20131231.xsd#asrv-ebp1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PreferredStock" xlink:href="asrv-20131231.xsd#asrv-ps1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PreferredStockScheduleOfPreferredDividendStockPeriodAnnualizedDetails" xlink:href="asrv-20131231.xsd#asrv-pssopdspad" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PreferredStockTables" xlink:href="asrv-20131231.xsd#asrv-pst1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/RegulatoryCapital" xlink:href="asrv-20131231.xsd#asrv-rc1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/RegulatoryCapitalDetails" xlink:href="asrv-20131231.xsd#asrv-rcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/RegulatoryCapitalTables" xlink:href="asrv-20131231.xsd#asrv-rct1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SegmentResults" xlink:href="asrv-20131231.xsd#asrv-sr1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SegmentResultsTables" xlink:href="asrv-20131231.xsd#asrv-srt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfChangesInStockholdersEquity" xlink:href="asrv-20131231.xsd#asrv-csocise1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfChangesInStockholdersEquityParenthetical" xlink:href="asrv-20131231.xsd#asrv-csocisep1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/CashAndDueFromDepositoryInstitutions" xlink:href="asrv-20131231.xsd#asrv-cadfdi" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/Deposits" xlink:href="asrv-20131231.xsd#asrv-d1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ShorttermBorrowings" xlink:href="asrv-20131231.xsd#asrv-sb1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebentures" xlink:href="asrv-20131231.xsd#asrv-affhlbagjsdid1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstruments" xlink:href="asrv-20131231.xsd#asrv-dafvofi1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxes" xlink:href="asrv-20131231.xsd#asrv-it1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/LeaseCommitments" xlink:href="asrv-20131231.xsd#asrv-lc1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/StockCompensationPlans" xlink:href="asrv-20131231.xsd#asrv-scp1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IntangibleAssets" xlink:href="asrv-20131231.xsd#asrv-ia" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DerivativeHedgingInstruments" xlink:href="asrv-20131231.xsd#asrv-dhi" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformation" xlink:href="asrv-20131231.xsd#asrv-pcfi" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SelectedQuarterlyConsolidatedFinancialData" xlink:href="asrv-20131231.xsd#asrv-sqcfd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PremisesAndEquipment" xlink:href="asrv-20131231.xsd#asrv-pae" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesTables" xlink:href="asrv-20131231.xsd#asrv-sosapt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesPolicy" xlink:href="asrv-20131231.xsd#asrv-sosapp1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PremisesAndEquipmentTables" xlink:href="asrv-20131231.xsd#asrv-paet" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DepositsTables" xlink:href="asrv-20131231.xsd#asrv-dt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ShorttermBorrowingsTables" xlink:href="asrv-20131231.xsd#asrv-sbt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesTables" xlink:href="asrv-20131231.xsd#asrv-affhlbagjsdidt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstrumentsTables" xlink:href="asrv-20131231.xsd#asrv-dafvofit1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxesTables" xlink:href="asrv-20131231.xsd#asrv-itt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/LeaseCommitmentsTables" xlink:href="asrv-20131231.xsd#asrv-lct1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/StockCompensationPlansTables" xlink:href="asrv-20131231.xsd#asrv-scpt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DerivativeHedgingInstrumentsTables" xlink:href="asrv-20131231.xsd#asrv-dhit" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationTables" xlink:href="asrv-20131231.xsd#asrv-pcfit" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SelectedQuarterlyConsolidatedFinancialDataTables" xlink:href="asrv-20131231.xsd#asrv-sqcfdt" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-sosapnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesScheduleOfAccumulatedOtherComprehensiveLossDetails" xlink:href="asrv-20131231.xsd#asrv-sosapsoaocld1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesEarningsPerShareDetails" xlink:href="asrv-20131231.xsd#asrv-sosapepsd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PremisesAndEquipmentDetails" xlink:href="asrv-20131231.xsd#asrv-paed" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DepositsScheduleOfBalancesOfDepositsDetails" xlink:href="asrv-20131231.xsd#asrv-dsobodd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DepositsScheduleOfInterestExpenseOnDepositsDetails" xlink:href="asrv-20131231.xsd#asrv-dsoieodd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DepositsScheduleOfBalancesOfDepositsOfOneZeroZeroZeroZeroZeroOrMoreDetails" xlink:href="asrv-20131231.xsd#asrv-dsobodoomd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DepositsScheduleOfMaturitiesOfDepositsOfOneZeroZeroZeroZeroZeroOrMoreDetails" xlink:href="asrv-20131231.xsd#asrv-dsomodoomd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ShorttermBorrowingsDetails" xlink:href="asrv-20131231.xsd#asrv-sbd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesScheduleOfBalancesAndAdvancesDetails" xlink:href="asrv-20131231.xsd#asrv-affhlbagjsdidsobaad1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-affhlbagjsdidnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-dafvmnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfExpenseForIncomeTaxesDetails" xlink:href="asrv-20131231.xsd#asrv-itsoefitd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfReconciliationBetweenFederalStatutoryTaxRateAndEffectiveIncomeTaxRateDetails" xlink:href="asrv-20131231.xsd#asrv-itsorbfstraeitrd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfDeferredTaxAssetsAndLiabilitiesDetails" xlink:href="asrv-20131231.xsd#asrv-itsodtaald1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfChangeInNetDeferredTaxAssetsAndLiabilitiesDetails" xlink:href="asrv-20131231.xsd#asrv-itsocindtaald1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxesNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-itnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansTables" xlink:href="asrv-20131231.xsd#asrv-ebpt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-ebpnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfChangesInBenefitObligationsAndPlanAssetsAndFundedStatusDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsociboapaafsd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAmountsNotYetRecognizedAsComponentOfNetPeriodicPensionCostDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsoanyraconppcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAccumulatedBenefitObligationDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsoabod1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfWeightedAverageAssumptionsUsedToDetermineBenefitObligationsDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsowaautdbod1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfComponentsOfNetPeriodicBenefitCostDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsoconpbcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfOtherChangesInPlanAssetsAndBenefitObligationsRecognizedInOtherComprehensiveIncomeLossDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsoocipaaboriocild1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfWeightedAverageAssumptionsUsedToDetermineNetPeriodicBenefitCostDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsowaautdnpbcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfPlansAssetAllocationsDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsopaad1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAssetsMeasuredAtFairValueDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsoamafvd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfEstimatedFutureBenefitPaymentsDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsoefbpd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/LeaseCommitmentsDetails" xlink:href="asrv-20131231.xsd#asrv-lcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/StockCompensationPlansNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-scpnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/StockCompensationPlansScheduleOfStockIncentivePlanActivityDetails" xlink:href="asrv-20131231.xsd#asrv-scpsosipad1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/StockCompensationPlansScheduleOfAssumptionsDetails" xlink:href="asrv-20131231.xsd#asrv-scpsoad1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IntangibleAssetsDetails" xlink:href="asrv-20131231.xsd#asrv-iad" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DerivativeHedgingInstrumentsDetails" xlink:href="asrv-20131231.xsd#asrv-dhid" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationBalanceSheetsDetails" xlink:href="asrv-20131231.xsd#asrv-pcfibsd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationStatementsOfOperationsDetails" xlink:href="asrv-20131231.xsd#asrv-pcfisood" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationStatementsOfCashFlowsDetails" xlink:href="asrv-20131231.xsd#asrv-pcfisocfd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-pcfind" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SelectedQuarterlyConsolidatedFinancialDataDetails" xlink:href="asrv-20131231.xsd#asrv-sqcfdd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/CashAndDueFromDepositoryInstitutionsDetails" xlink:href="asrv-20131231.xsd#asrv-cadfdid" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/CommitmentsAndContingentLiabilitiesDetails" xlink:href="asrv-20131231.xsd#asrv-cacld1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PreferredStockNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-psnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SegmentResultsDetails" xlink:href="asrv-20131231.xsd#asrv-srd1" xlink:type="simple" />
  <link:calculationLink xlink:title="40507 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Classes of Loan Portfolio by Aging Categories) (Details)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesClassesOfLoanPortfolioByAgingCategoriesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentPastDue.10284.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.10274.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_FinancingReceivableRecordedInvestmentPastDue.10284.14.6" xlink:to="loc_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.10274.14.6" order="20.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment60To89DaysPastDue.10275.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_FinancingReceivableRecordedInvestmentPastDue.10284.14.6" xlink:to="loc_FinancingReceivableRecordedInvestment60To89DaysPastDue.10275.14.6" order="10.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment30To59DaysPastDue.10259.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_FinancingReceivableRecordedInvestmentPastDue.10284.14.6" xlink:to="loc_FinancingReceivableRecordedInvestment30To59DaysPastDue.10259.14.6" order="5.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.14.6" xlink:to="loc_FinancingReceivableRecordedInvestmentPastDue.10284.14.6" order="20.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentCurrent.10278.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.14.6" xlink:to="loc_FinancingReceivableRecordedInvestmentCurrent.10278.14.6" order="10.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="40502 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Summary of Primary Segments of Loan Portfolio) (Details)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesSummaryOfPrimarySegmentsOfLoanPortfolioDetails" xlink:type="extended">
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLosses.10279.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.10294.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_FinancingReceivableAllowanceForCreditLosses.10279.14.6" xlink:to="loc_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.10294.14.6" order="100.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.10256.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_FinancingReceivableAllowanceForCreditLosses.10279.14.6" xlink:to="loc_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.10256.14.6" order="120.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableCollectivelyEvaluatedForImpairment.10288.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.14.6" xlink:to="loc_FinancingReceivableCollectivelyEvaluatedForImpairment.10288.14.6" order="25.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableIndividuallyEvaluatedForImpairment.10277.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.14.6" xlink:to="loc_FinancingReceivableIndividuallyEvaluatedForImpairment.10277.14.6" order="12.50000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="002 - Statement - CONSOLIDATED BALANCE SHEETS" xlink:role="http://ameriservfinancial.com/role/ConsolidatedBalanceSheets" xlink:type="extended">
    <link:loc xlink:label="loc_Assets.6057.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:type="locator" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsAtCarryingValue.6843.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Assets.6057.14.6" xlink:to="loc_CashAndCashEquivalentsAtCarryingValue.6843.14.6" order="200.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecurities.6182.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Assets.6057.14.6" xlink:to="loc_AvailableForSaleSecurities.6182.14.6" order="400.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecurities.10889.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Assets.6057.14.6" xlink:to="loc_HeldToMaturitySecurities.10889.14.6" order="600.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansHeldForSaleMortgages.12627.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansHeldForSaleMortgages" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Assets.6057.14.6" xlink:to="loc_LoansHeldForSaleMortgages.12627.14.6" order="800.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetReportedAmount.12598.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Assets.6057.14.6" xlink:to="loc_LoansAndLeasesReceivableNetReportedAmount.12598.14.6" order="1000.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentNet.15211.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Assets.6057.14.6" xlink:to="loc_PropertyPlantAndEquipmentNet.15211.14.6" order="1200.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AccruedInvestmentIncomeReceivable.5738.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccruedInvestmentIncomeReceivable" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Assets.6057.14.6" xlink:to="loc_AccruedInvestmentIncomeReceivable.5738.14.6" order="1400.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_Goodwill.10732.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Goodwill" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Assets.6057.14.6" xlink:to="loc_Goodwill.10732.14.6" order="1600.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_BankOwnedLifeInsurance.6282.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BankOwnedLifeInsurance" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Assets.6057.14.6" xlink:to="loc_BankOwnedLifeInsurance.6282.14.6" order="1800.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherAssets.13839.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssets" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Assets.6057.14.6" xlink:to="loc_OtherAssets.13839.14.6" order="2200.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_FederalHomeLoanBankStock.10017.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankStock" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Assets.6057.14.6" xlink:to="loc_FederalHomeLoanBankStock.10017.14.6" order="2400.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_FederalReserveBankStock.10052.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalReserveBankStock" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Assets.6057.14.6" xlink:to="loc_FederalReserveBankStock.10052.14.6" order="2600.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_PrepaidExpenseCurrentAndNoncurrent.14767.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PrepaidExpenseCurrentAndNoncurrent" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Assets.6057.14.6" xlink:to="loc_PrepaidExpenseCurrentAndNoncurrent.14767.14.6" order="2800.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DeferredTaxAssetsLiabilitiesNet.7910.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Assets.6057.14.6" xlink:to="loc_DeferredTaxAssetsLiabilitiesNet.7910.14.6" order="5.11448" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_CashAndDueFromBanks.6815.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_CashAndCashEquivalentsAtCarryingValue.6843.14.6" xlink:to="loc_CashAndDueFromBanks.6815.14.6" order="200.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestBearingDepositsInBanks.11793.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositsInBanks" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_CashAndCashEquivalentsAtCarryingValue.6843.14.6" xlink:to="loc_InterestBearingDepositsInBanks.11793.14.6" order="400.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherShortTermInvestments.14081.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherShortTermInvestments" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_CashAndCashEquivalentsAtCarryingValue.6843.14.6" xlink:to="loc_OtherShortTermInvestments.14081.14.6" order="600.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtAndCapitalLeaseObligations.7647.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligations" xlink:type="locator" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesShortTerm.10073.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesShortTerm" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DebtAndCapitalLeaseObligations.7647.14.6" xlink:to="loc_FederalHomeLoanBankAdvancesShortTerm.10073.14.6" order="200.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesLongTerm.10065.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesLongTerm" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DebtAndCapitalLeaseObligations.7647.14.6" xlink:to="loc_FederalHomeLoanBankAdvancesLongTerm.10065.14.6" order="400.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_JuniorSubordinatedNotes.12033.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_JuniorSubordinatedNotes" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DebtAndCapitalLeaseObligations.7647.14.6" xlink:to="loc_JuniorSubordinatedNotes.12033.14.6" order="600.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_Deposits.8332.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:type="locator" />
    <link:loc xlink:label="loc_NoninterestBearingDepositLiabilities.13360.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilities" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Deposits.8332.14.6" xlink:to="loc_NoninterestBearingDepositLiabilities.13360.14.6" order="200.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestBearingDepositLiabilities.11782.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositLiabilities" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Deposits.8332.14.6" xlink:to="loc_InterestBearingDepositLiabilities.11782.14.6" order="400.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_LiabilitiesAndStockholdersEquity.12135.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:type="locator" />
    <link:loc xlink:label="loc_Liabilities.12166.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Liabilities" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_LiabilitiesAndStockholdersEquity.12135.14.6" xlink:to="loc_Liabilities.12166.14.6" order="200.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_StockholdersEquity.17302.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_LiabilitiesAndStockholdersEquity.12135.14.6" xlink:to="loc_StockholdersEquity.17302.14.6" order="400.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:calculationArc xlink:from="loc_Liabilities.12166.14.6" xlink:to="loc_Deposits.8332.14.6" order="200.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:calculationArc xlink:from="loc_Liabilities.12166.14.6" xlink:to="loc_DebtAndCapitalLeaseObligations.7647.14.6" order="400.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherLiabilities.14024.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherLiabilities" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Liabilities.12166.14.6" xlink:to="loc_OtherLiabilities.14024.14.6" order="600.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableDeferredIncome.12529.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableDeferredIncome" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_LoansAndLeasesReceivableNetReportedAmount.12598.14.6" xlink:to="loc_LoansAndLeasesReceivableDeferredIncome.12529.14.6" order="200.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableGrossCarryingAmount.12566.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_LoansAndLeasesReceivableNetReportedAmount.12598.14.6" xlink:to="loc_LoansAndLeasesReceivableGrossCarryingAmount.12566.14.6" order="600.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLosses.10279.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_LoansAndLeasesReceivableNetReportedAmount.12598.14.6" xlink:to="loc_FinancingReceivableAllowanceForCreditLosses.10279.14.6" order="500.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_PreferredStockValue.14687.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockValue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_StockholdersEquity.17302.14.6" xlink:to="loc_PreferredStockValue.14687.14.6" order="200.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_CommonStockValue.7134.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockValue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_StockholdersEquity.17302.14.6" xlink:to="loc_CommonStockValue.7134.14.6" order="400.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_TreasuryStockValue.17716.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TreasuryStockValue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_StockholdersEquity.17302.14.6" xlink:to="loc_TreasuryStockValue.17716.14.6" order="600.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AdditionalPaidInCapitalCommonStock.5814.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdditionalPaidInCapitalCommonStock" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_StockholdersEquity.17302.14.6" xlink:to="loc_AdditionalPaidInCapitalCommonStock.5814.14.6" order="800.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_StockholdersEquity.17302.14.6" xlink:to="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.14.6" order="1000.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_RetainedEarningsAccumulatedDeficit.16058.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_StockholdersEquity.17302.14.6" xlink:to="loc_RetainedEarningsAccumulatedDeficit.16058.14.6" order="1200.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="008 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS" xlink:role="http://ameriservfinancial.com/role/ConsolidatedStatementsOfCashFlows" xlink:type="extended">
    <link:loc xlink:label="loc_CashAndCashEquivalentsPeriodIncreaseDecrease.6834.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:type="locator" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_CashAndCashEquivalentsPeriodIncreaseDecrease.6834.14.6" xlink:to="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_CashAndCashEquivalentsPeriodIncreaseDecrease.6834.14.6" xlink:to="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_CashAndCashEquivalentsPeriodIncreaseDecrease.6834.14.6" xlink:to="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_NetIncomeLoss.13265.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:to="loc_NetIncomeLoss.13265.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherDepreciationAndAmortization.13981.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherDepreciationAndAmortization" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:to="loc_OtherDepreciationAndAmortization.13981.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AccretionAmortizationOfDiscountsAndPremiumsInvestments.5696.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:to="loc_AccretionAmortizationOfDiscountsAndPremiumsInvestments.5696.14.6" order="4.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_GainLossOnSaleOfInvestments.10646.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnSaleOfInvestments" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:to="loc_GainLossOnSaleOfInvestments.10646.14.6" order="5.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_GainLossOnSaleOfLoansAndLeases.10629.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnSaleOfLoansAndLeases" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:to="loc_GainLossOnSaleOfLoansAndLeases.10629.14.6" order="7.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AmortizationOfDeferredLoanOriginationFeesNet.5988.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AmortizationOfDeferredLoanOriginationFeesNet" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:to="loc_AmortizationOfDeferredLoanOriginationFeesNet.5988.14.6" order="8.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_PaymentsForOriginationOfMortgageLoansHeldForSale.14212.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:to="loc_PaymentsForOriginationOfMortgageLoansHeldForSale.14212.14.6" order="9.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ProceedsFromSaleOfMortgageLoansHeldForSale.15081.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:to="loc_ProceedsFromSaleOfMortgageLoansHeldForSale.15081.14.6" order="10.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_IncreaseDecreaseInAccruedInterestReceivableNet.11326.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:to="loc_IncreaseDecreaseInAccruedInterestReceivableNet.11326.14.6" order="11.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_IncreaseDecreaseInInterestPayableNet.11374.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:to="loc_IncreaseDecreaseInInterestPayableNet.11374.14.6" order="12.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DeferredIncomeTaxExpenseBenefit.7887.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:to="loc_DeferredIncomeTaxExpenseBenefit.7887.14.6" order="13.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_IncreaseDecreaseInPrepaidExpense.11428.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInPrepaidExpense" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:to="loc_IncreaseDecreaseInPrepaidExpense.11428.14.6" order="15.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_IncreaseDecreaseInOtherOperatingAssets.11423.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:to="loc_IncreaseDecreaseInOtherOperatingAssets.11423.14.6" order="16.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherBankOwnedLifeInsuranceIncome.36853.14.6" xlink:href="asrv-20131231.xsd#asrv_OtherBankOwnedLifeInsuranceIncome" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:to="loc_OtherBankOwnedLifeInsuranceIncome.36853.14.6" order="6.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ProvisionForLoanLeaseAndOtherLosses.15267.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:to="loc_ProvisionForLoanLeaseAndOtherLosses.15267.14.6" order="10.66666" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_StockOptionPlanExpense.17263.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockOptionPlanExpense" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:to="loc_StockOptionPlanExpense.17263.14.6" order="8.88855" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_IncreaseDecreaseInDeposits.11242.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.14.6" xlink:to="loc_IncreaseDecreaseInDeposits.11242.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ProceedsFromFederalHomeLoanBankBorrowings.15020.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.14.6" xlink:to="loc_ProceedsFromFederalHomeLoanBankBorrowings.15020.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_RepaymentsOfFederalHomeLoanBankBorrowings.15818.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.14.6" xlink:to="loc_RepaymentsOfFederalHomeLoanBankBorrowings.15818.14.6" order="4.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_PaymentsForRepurchaseOfEquity.14264.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfEquity" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.14.6" xlink:to="loc_PaymentsForRepurchaseOfEquity.14264.14.6" order="5.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ProceedsFromRepaymentsOfShortTermDebt.14954.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.14.6" xlink:to="loc_ProceedsFromRepaymentsOfShortTermDebt.14954.14.6" order="58.22000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_PaymentsOfDividendsPreferredStockAndPreferenceStock.14313.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.14.6" xlink:to="loc_PaymentsOfDividendsPreferredStockAndPreferenceStock.14313.14.6" order="10.10101" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_PaymentsForRepurchaseOfWarrants.14230.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfWarrants" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.14.6" xlink:to="loc_PaymentsForRepurchaseOfWarrants.14230.14.6" order="15.88822" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_PaymentsOfDividendsCommonStock.14340.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.14.6" xlink:to="loc_PaymentsOfDividendsCommonStock.14340.14.6" order="8.55522" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_PaymentsToAcquireAvailableForSaleSecuritiesDebt.14371.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" xlink:to="loc_PaymentsToAcquireAvailableForSaleSecuritiesDebt.14371.14.6" order="1.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_PaymentsToAcquireHeldToMaturitySecurities.14368.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" xlink:to="loc_PaymentsToAcquireHeldToMaturitySecurities.14368.14.6" order="2.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ProceedsFromSaleOfAvailableForSaleSecurities.15087.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" xlink:to="loc_ProceedsFromSaleOfAvailableForSaleSecurities.15087.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.15068.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" xlink:to="loc_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.15068.14.6" order="4.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities.15061.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" xlink:to="loc_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities.15061.14.6" order="5.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_PaymentsForProceedsFromFederalHomeLoanBankStock.14292.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" xlink:to="loc_PaymentsForProceedsFromFederalHomeLoanBankStock.14292.14.6" order="7.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_PaymentsForProceedsFromLoansAndLeases.14256.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" xlink:to="loc_PaymentsForProceedsFromLoansAndLeases.14256.14.6" order="8.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment.15019.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" xlink:to="loc_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment.15019.14.6" order="9.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_PaymentsToAcquireLoansHeldForInvestment.14359.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireLoansHeldForInvestment" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" xlink:to="loc_PaymentsToAcquireLoansHeldForInvestment.14359.14.6" order="10.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ProceedsFromSaleOfOtherRealEstate.15093.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfOtherRealEstate" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" xlink:to="loc_ProceedsFromSaleOfOtherRealEstate.15093.14.6" order="12.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ProceedsFromLifeInsurancePolicies.15026.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromLifeInsurancePolicies" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" xlink:to="loc_ProceedsFromLifeInsurancePolicies.15026.14.6" order="13.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_PaymentsToAcquireOtherPropertyPlantAndEquipment.14357.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" xlink:to="loc_PaymentsToAcquireOtherPropertyPlantAndEquipment.14357.14.6" order="14.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ProceedsFromSaleOfLoansHeldForInvestment.15044.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForInvestment" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" xlink:to="loc_ProceedsFromSaleOfLoansHeldForInvestment.15044.14.6" order="8.88888" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_IncreaseDecreaseInShortTermDebtInvesting.37655.14.6" xlink:href="asrv-20131231.xsd#asrv_IncreaseDecreaseInShortTermDebtInvesting" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" xlink:to="loc_IncreaseDecreaseInShortTermDebtInvesting.37655.14.6" order="8.55522" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_PaymentsToAcquireRegulatoryStock.44283.14.6" xlink:href="asrv-20131231.xsd#asrv_PaymentsToAcquireRegulatoryStock" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" xlink:to="loc_PaymentsToAcquireRegulatoryStock.44283.14.6" order="10.22244" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="005 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME" xlink:role="http://ameriservfinancial.com/role/ConsolidatedStatementsOfComprehensiveIncome" xlink:type="extended">
    <link:loc xlink:label="loc_ComprehensiveIncomeNetOfTax.7190.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_ComprehensiveIncomeNetOfTax.7190.14.6" xlink:to="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.14.6" order="20.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_NetIncomeLoss.13265.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_ComprehensiveIncomeNetOfTax.7190.14.6" xlink:to="loc_NetIncomeLoss.13265.14.6" order="40.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax.13922.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.14.6" xlink:to="loc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax.13922.14.6" order="60.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.14116.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.14.6" xlink:to="loc_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.14116.14.6" order="80.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent.14114.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.14.6" xlink:to="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent.14114.14.6" order="100.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax.13910.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.14.6" xlink:to="loc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax.13910.14.6" order="50.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.13768.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.14.6" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.13768.14.6" order="4.58200" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13760.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.14.6" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13760.14.6" order="5.69900" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="004 - Statement - CONSOLIDATED STATEMENTS OF OPERATIONS" xlink:role="http://ameriservfinancial.com/role/ConsolidatedStatementsOfOperations" xlink:type="extended">
    <link:loc xlink:label="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:type="locator" />
    <link:loc xlink:label="loc_NoninterestExpense.13363.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpense" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.14.6" xlink:to="loc_NoninterestExpense.13363.14.6" order="200.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_NoninterestIncome.13366.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.14.6" xlink:to="loc_NoninterestIncome.13366.14.6" order="400.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestIncomeExpenseAfterProvisionForLoanLoss.11739.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.14.6" xlink:to="loc_InterestIncomeExpenseAfterProvisionForLoanLoss.11739.14.6" order="600.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestExpense.11654.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:type="locator" />
    <link:loc xlink:label="loc_InterestExpenseDeposits.11709.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_InterestExpense.11654.14.6" xlink:to="loc_InterestExpenseDeposits.11709.14.6" order="200.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestExpenseJuniorSubordinatedDebentures.11720.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseJuniorSubordinatedDebentures" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_InterestExpense.11654.14.6" xlink:to="loc_InterestExpenseJuniorSubordinatedDebentures.11720.14.6" order="400.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm.11721.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_InterestExpense.11654.14.6" xlink:to="loc_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm.11721.14.6" order="600.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm.11710.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_InterestExpense.11654.14.6" xlink:to="loc_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm.11710.14.6" order="800.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestAndDividendIncomeOperating.11661.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:type="locator" />
    <link:loc xlink:label="loc_InterestIncomeMoneyMarketDeposits.11740.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeMoneyMarketDeposits" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_InterestAndDividendIncomeOperating.11661.14.6" xlink:to="loc_InterestIncomeMoneyMarketDeposits.11740.14.6" order="400.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestAndDividendIncomeSecuritiesAvailableForSale.11617.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_InterestAndDividendIncomeOperating.11661.14.6" xlink:to="loc_InterestAndDividendIncomeSecuritiesAvailableForSale.11617.14.6" order="800.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestAndDividendIncomeSecuritiesHeldToMaturity.11637.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_InterestAndDividendIncomeOperating.11661.14.6" xlink:to="loc_InterestAndDividendIncomeSecuritiesHeldToMaturity.11637.14.6" order="1000.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestIncomeDepositsWithFinancialInstitutions.11712.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeDepositsWithFinancialInstitutions" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_InterestAndDividendIncomeOperating.11661.14.6" xlink:to="loc_InterestIncomeDepositsWithFinancialInstitutions.11712.14.6" order="1200.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestIncomeFederalFundsSold.11692.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeFederalFundsSold" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_InterestAndDividendIncomeOperating.11661.14.6" xlink:to="loc_InterestIncomeFederalFundsSold.11692.14.6" order="5.22668" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestAndFeeIncomeLoansAndLeasesTaxable.36960.14.6" xlink:href="asrv-20131231.xsd#asrv_InterestAndFeeIncomeLoansAndLeasesTaxable" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_InterestAndDividendIncomeOperating.11661.14.6" xlink:to="loc_InterestAndFeeIncomeLoansAndLeasesTaxable.36960.14.6" order="2.56890" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestAndFeeIncomeLoansAndLeasesTaxExempt.36961.14.6" xlink:href="asrv-20131231.xsd#asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_InterestAndDividendIncomeOperating.11661.14.6" xlink:to="loc_InterestAndFeeIncomeLoansAndLeasesTaxExempt.36961.14.6" order="3.44441" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestIncomeExpenseNet.11727.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_InterestIncomeExpenseNet.11727.14.6" xlink:to="loc_InterestExpense.11654.14.6" order="200.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:calculationArc xlink:from="loc_InterestIncomeExpenseNet.11727.14.6" xlink:to="loc_InterestAndDividendIncomeOperating.11661.14.6" order="400.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:calculationArc xlink:from="loc_InterestIncomeExpenseAfterProvisionForLoanLoss.11739.14.6" xlink:to="loc_InterestIncomeExpenseNet.11727.14.6" order="200.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ProvisionForLoanLeaseAndOtherLosses.15267.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_InterestIncomeExpenseAfterProvisionForLoanLoss.11739.14.6" xlink:to="loc_ProvisionForLoanLeaseAndOtherLosses.15267.14.6" order="2.22563" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_NetIncomeLossAvailableToCommonStockholdersBasic.13214.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:type="locator" />
    <link:loc xlink:label="loc_DividendsPreferredStock.9020.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendsPreferredStock" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetIncomeLossAvailableToCommonStockholdersBasic.13214.14.6" xlink:to="loc_DividendsPreferredStock.9020.14.6" order="200.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_NetIncomeLoss.13265.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetIncomeLossAvailableToCommonStockholdersBasic.13214.14.6" xlink:to="loc_NetIncomeLoss.13265.14.6" order="400.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:calculationArc xlink:from="loc_NetIncomeLoss.13265.14.6" xlink:to="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.14.6" order="200.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefit.11134.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetIncomeLoss.13265.14.6" xlink:to="loc_IncomeTaxExpenseBenefit.11134.14.6" order="400.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_LaborAndRelatedExpense.12056.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NoninterestExpense.13363.14.6" xlink:to="loc_LaborAndRelatedExpense.12056.14.6" order="200.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OccupancyNet.13516.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OccupancyNet" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NoninterestExpense.13363.14.6" xlink:to="loc_OccupancyNet.13516.14.6" order="400.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_EquipmentExpense.9304.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquipmentExpense" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NoninterestExpense.13363.14.6" xlink:to="loc_EquipmentExpense.9304.14.6" order="600.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ProfessionalFees.15186.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProfessionalFees" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NoninterestExpense.13363.14.6" xlink:to="loc_ProfessionalFees.15186.14.6" order="800.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_FederalDepositInsuranceCorporationPremiumExpense.9978.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NoninterestExpense.13363.14.6" xlink:to="loc_FederalDepositInsuranceCorporationPremiumExpense.9978.14.6" order="1000.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_SuppliesAndPostageExpense.17428.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SuppliesAndPostageExpense" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NoninterestExpense.13363.14.6" xlink:to="loc_SuppliesAndPostageExpense.17428.14.6" order="1200.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherNoninterestExpense.13993.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NoninterestExpense.13363.14.6" xlink:to="loc_OtherNoninterestExpense.13993.14.6" order="1400.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_TaxesOther.17484.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TaxesOther" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NoninterestExpense.13363.14.6" xlink:to="loc_TaxesOther.17484.14.6" order="1600.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_FederalHomeLoanBankPrepaymentPenalties.36962.14.6" xlink:href="asrv-20131231.xsd#asrv_FederalHomeLoanBankPrepaymentPenalties" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NoninterestExpense.13363.14.6" xlink:to="loc_FederalHomeLoanBankPrepaymentPenalties.36962.14.6" order="6.66622" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_FeesAndCommissionsFiduciaryAndTrustActivities.10075.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NoninterestIncome.13366.14.6" xlink:to="loc_FeesAndCommissionsFiduciaryAndTrustActivities.10075.14.6" order="200.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_GainLossOnSalesOfLoansNet.10650.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnSalesOfLoansNet" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NoninterestIncome.13366.14.6" xlink:to="loc_GainLossOnSalesOfLoansNet.10650.14.6" order="400.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_FeesAndCommissionsDepositorAccounts.10085.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsDepositorAccounts" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NoninterestIncome.13366.14.6" xlink:to="loc_FeesAndCommissionsDepositorAccounts.10085.14.6" order="600.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentAdvisoryFees.11897.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentAdvisoryFees" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NoninterestIncome.13366.14.6" xlink:to="loc_InvestmentAdvisoryFees.11897.14.6" order="800.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_BankOwnedLifeInsuranceIncome.6281.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BankOwnedLifeInsuranceIncome" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NoninterestIncome.13366.14.6" xlink:to="loc_BankOwnedLifeInsuranceIncome.6281.14.6" order="1000.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_NoninterestIncomeOtherOperatingIncome.13364.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NoninterestIncome.13366.14.6" xlink:to="loc_NoninterestIncomeOtherOperatingIncome.13364.14.6" order="1200.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_GainLossOnSaleOfSecuritiesNet.10649.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnSaleOfSecuritiesNet" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NoninterestIncome.13366.14.6" xlink:to="loc_GainLossOnSaleOfSecuritiesNet.10649.14.6" order="5.52134" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="40302 - Disclosure - INVESTMENT SECURITIES (Schedule of Contractual Maturities of Securities) (Details)" xlink:role="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfContractualMaturitiesOfSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AvailableForSaleSecurities.6182.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.6211.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_AvailableForSaleSecurities.6182.14.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.6211.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.6175.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_AvailableForSaleSecurities.6182.14.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.6175.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36776.14.6" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_AvailableForSaleSecurities.6182.14.6" xlink:to="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36776.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36774.14.6" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_AvailableForSaleSecurities.6182.14.6" xlink:to="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36774.14.6" order="4.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.6172.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_AvailableForSaleSecurities.6182.14.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.6172.14.6" order="2.25896" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.6187.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.6214.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.6187.14.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.6214.14.6" order="400.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.6181.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.6187.14.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.6181.14.6" order="600.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.36775.14.6" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.6187.14.6" xlink:to="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.36775.14.6" order="800.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.36773.14.6" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.6187.14.6" xlink:to="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.36773.14.6" order="1000.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.6180.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.6187.14.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.6180.14.6" order="5.55220" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecurities.10889.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:type="locator" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.10905.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_HeldToMaturitySecurities.10889.14.6" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.10905.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.10891.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_HeldToMaturitySecurities.10889.14.6" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.10891.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.10871.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_HeldToMaturitySecurities.10889.14.6" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.10871.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.36820.14.6" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_HeldToMaturitySecurities.10889.14.6" xlink:to="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.36820.14.6" order="4.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.36818.14.6" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_HeldToMaturitySecurities.10889.14.6" xlink:to="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.36818.14.6" order="5.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesFairValue.10919.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:type="locator" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.10867.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_HeldToMaturitySecuritiesFairValue.10919.14.6" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.10867.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.10870.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_HeldToMaturitySecuritiesFairValue.10919.14.6" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.10870.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.10869.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_HeldToMaturitySecuritiesFairValue.10919.14.6" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.10869.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36819.14.6" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_HeldToMaturitySecuritiesFairValue.10919.14.6" xlink:to="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36819.14.6" order="4.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36817.14.6" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_HeldToMaturitySecuritiesFairValue.10919.14.6" xlink:to="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36817.14.6" order="5.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="40303 - Disclosure - INVESTMENT SECURITIES (Schedule of Information Concerning Investments with Unrealized Losses) (Details)" xlink:role="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfInformationConcerningInvestmentsWithUnrealizedLossesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.6188.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.6179.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.6188.14.6" xlink:to="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.6179.14.6" order="20.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.6159.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.6188.14.6" xlink:to="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.6159.14.6" order="10.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue.10882.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue" xlink:type="locator" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.10881.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue.10882.14.6" xlink:to="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.10881.14.6" order="20.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.10878.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue.10882.14.6" xlink:to="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.10878.14.6" order="10.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.36771.14.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.36772.14.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.36771.14.6" xlink:to="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.36772.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.36770.14.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.36771.14.6" xlink:to="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.36770.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.36815.14.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" xlink:type="locator" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.36816.14.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.36815.14.6" xlink:to="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.36816.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.36814.14.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.36815.14.6" xlink:to="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.36814.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="40103 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Schedule of Accumulated Other Comprehensive Loss) (Details)" xlink:role="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesScheduleOfAccumulatedOtherComprehensiveLossDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:type="locator" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.5783.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.14.6" xlink:to="loc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.5783.14.6" order="1.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.5785.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.14.6" xlink:to="loc_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.5785.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="40701 - Disclosure - PREMISES AND EQUIPMENT (Details)" xlink:role="http://ameriservfinancial.com/role/PremisesAndEquipmentDetails" xlink:type="extended">
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentNet.15211.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:type="locator" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentGross.15204.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_PropertyPlantAndEquipmentNet.15211.14.6" xlink:to="loc_PropertyPlantAndEquipmentGross.15204.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.5779.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_PropertyPlantAndEquipmentNet.15211.14.6" xlink:to="loc_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.5779.14.6" order="2.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="40801 - Disclosure - DEPOSITS (Schedule of Balances of Deposits) (Details)" xlink:role="http://ameriservfinancial.com/role/DepositsScheduleOfBalancesOfDepositsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_Deposits.8332.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:type="locator" />
    <link:loc xlink:label="loc_InterestBearingDomesticDepositDemand.11762.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDomesticDepositDemand" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Deposits.8332.14.6" xlink:to="loc_InterestBearingDomesticDepositDemand.11762.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_NoninterestBearingDomesticDepositDemand.13368.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDomesticDepositDemand" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Deposits.8332.14.6" xlink:to="loc_NoninterestBearingDomesticDepositDemand.13368.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DepositsSavingsDeposits.8337.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsSavingsDeposits" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Deposits.8332.14.6" xlink:to="loc_DepositsSavingsDeposits.8337.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DepositsMoneyMarketDeposits.8329.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsMoneyMarketDeposits" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Deposits.8332.14.6" xlink:to="loc_DepositsMoneyMarketDeposits.8329.14.6" order="4.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_TimeDeposits100000OrMore.17585.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Deposits.8332.14.6" xlink:to="loc_TimeDeposits100000OrMore.17585.14.6" order="5.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_TimeDepositsLessThan100000.17590.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsLessThan100000" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Deposits.8332.14.6" xlink:to="loc_TimeDepositsLessThan100000.17590.14.6" order="6.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="40802 - Disclosure - DEPOSITS (Schedule of Interest Expense on Deposits) (Details)" xlink:role="http://ameriservfinancial.com/role/DepositsScheduleOfInterestExpenseOnDepositsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_InterestExpenseDeposits.11709.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:type="locator" />
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesDemand.11646.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_InterestExpenseDeposits.11709.14.6" xlink:to="loc_InterestExpenseDomesticDepositLiabilitiesDemand.11646.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesSavings.11669.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_InterestExpenseDeposits.11709.14.6" xlink:to="loc_InterestExpenseDomesticDepositLiabilitiesSavings.11669.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesMoneyMarket.11668.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesMoneyMarket" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_InterestExpenseDeposits.11709.14.6" xlink:to="loc_InterestExpenseDomesticDepositLiabilitiesMoneyMarket.11668.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.36901.14.6" xlink:href="asrv-20131231.xsd#asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_InterestExpenseDeposits.11709.14.6" xlink:to="loc_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.36901.14.6" order="4.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit.11638.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_InterestExpenseDeposits.11709.14.6" xlink:to="loc_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit.11638.14.6" order="5.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="40803 - Disclosure - DEPOSITS (Schedule of Balances of Deposits of $100,000 or More) (Details)" xlink:role="http://ameriservfinancial.com/role/DepositsScheduleOfBalancesOfDepositsOfOneZeroZeroZeroZeroZeroOrMoreDetails" xlink:type="extended">
    <link:loc xlink:label="loc_TimeDeposits.17577.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits" xlink:type="locator" />
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearOne.17601.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearOne" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_TimeDeposits.17577.14.6" xlink:to="loc_TimeDepositMaturitiesYearOne.17601.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearTwo.17597.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearTwo" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_TimeDeposits.17577.14.6" xlink:to="loc_TimeDepositMaturitiesYearTwo.17597.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearThree.17583.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearThree" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_TimeDeposits.17577.14.6" xlink:to="loc_TimeDepositMaturitiesYearThree.17583.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearFour.17603.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_TimeDeposits.17577.14.6" xlink:to="loc_TimeDepositMaturitiesYearFour.17603.14.6" order="4.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearFive.17573.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFive" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_TimeDeposits.17577.14.6" xlink:to="loc_TimeDepositMaturitiesYearFive.17573.14.6" order="5.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_TimeDepositMaturitiesAfterYearFive.17586.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_TimeDeposits.17577.14.6" xlink:to="loc_TimeDepositMaturitiesAfterYearFive.17586.14.6" order="6.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_TimeDeposits100000OrMore.17585.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:type="locator" />
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths.36902.14.6" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_TimeDeposits100000OrMore.17585.14.6" xlink:to="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths.36902.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo.36903.14.6" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_TimeDeposits100000OrMore.17585.14.6" xlink:to="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo.36903.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree.36904.14.6" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_TimeDeposits100000OrMore.17585.14.6" xlink:to="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree.36904.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour.36905.14.6" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_TimeDeposits100000OrMore.17585.14.6" xlink:to="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour.36905.14.6" order="4.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive.36906.14.6" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_TimeDeposits100000OrMore.17585.14.6" xlink:to="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive.36906.14.6" order="5.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive.36907.14.6" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_TimeDeposits100000OrMore.17585.14.6" xlink:to="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive.36907.14.6" order="6.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="40804 - Disclosure - DEPOSITS (Schedule of Maturities of Deposits of $100,000 or More) (Details)" xlink:role="http://ameriservfinancial.com/role/DepositsScheduleOfMaturitiesOfDepositsOfOneZeroZeroZeroZeroZeroOrMoreDetails" xlink:type="extended">
    <link:loc xlink:label="loc_TimeDeposits100000OrMore.17585.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:type="locator" />
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.7318.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_TimeDeposits100000OrMore.17585.14.6" xlink:to="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.7318.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.7319.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_TimeDeposits100000OrMore.17585.14.6" xlink:to="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.7319.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.7320.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_TimeDeposits100000OrMore.17585.14.6" xlink:to="loc_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.7320.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.7325.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_TimeDeposits100000OrMore.17585.14.6" xlink:to="loc_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.7325.14.6" order="4.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="41001 - Disclosure - ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Schedule of Balances and Advances) (Details)" xlink:role="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesScheduleOfBalancesAndAdvancesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AdvancesFromFederalHomeLoanBanks.5882.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:type="locator" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesLongTerm.10065.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesLongTerm" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_AdvancesFromFederalHomeLoanBanks.5882.14.6" xlink:to="loc_FederalHomeLoanBankAdvancesLongTerm.10065.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_BorrowingsAndAdvancesFromFhlbMaturingOvernight.36911.14.6" xlink:href="asrv-20131231.xsd#asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernight" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_AdvancesFromFederalHomeLoanBanks.5882.14.6" xlink:to="loc_BorrowingsAndAdvancesFromFhlbMaturingOvernight.36911.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.10067.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_FederalHomeLoanBankAdvancesLongTerm.10065.14.6" xlink:to="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.10067.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.10064.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_FederalHomeLoanBankAdvancesLongTerm.10065.14.6" xlink:to="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.10064.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate.10036.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_FederalHomeLoanBankAdvancesLongTerm.10065.14.6" xlink:to="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate.10036.14.6" order="4.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate.10059.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_FederalHomeLoanBankAdvancesLongTerm.10065.14.6" xlink:to="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate.10059.14.6" order="4.22211" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="41301 - Disclosure - INCOME TAXES (Schedule of Expense for Income Taxes) (Details)" xlink:role="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfExpenseForIncomeTaxesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefit.11134.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:loc xlink:label="loc_CurrentIncomeTaxExpenseBenefit.7543.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_IncomeTaxExpenseBenefit.11134.14.6" xlink:to="loc_CurrentIncomeTaxExpenseBenefit.7543.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DeferredIncomeTaxExpenseBenefit.7887.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_IncomeTaxExpenseBenefit.11134.14.6" xlink:to="loc_DeferredIncomeTaxExpenseBenefit.7887.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="41302 - Disclosure - INCOME TAXES (Schedule of Reconciliation Between Federal Statutory Tax Rate and Effective Income Tax Rate) (Details)" xlink:role="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfReconciliationBetweenFederalStatutoryTaxRateAndEffectiveIncomeTaxRateDetails" xlink:type="extended">
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateContinuingOperations.9118.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:type="locator" />
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.9141.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_EffectiveIncomeTaxRateContinuingOperations.9118.14.6" xlink:to="loc_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.9141.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateReconciliationTaxExemptIncome.9167.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_EffectiveIncomeTaxRateContinuingOperations.9118.14.6" xlink:to="loc_EffectiveIncomeTaxRateReconciliationTaxExemptIncome.9167.14.6" order="2.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateReconciliationOtherAdjustments.9135.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_EffectiveIncomeTaxRateContinuingOperations.9118.14.6" xlink:to="loc_EffectiveIncomeTaxRateReconciliationOtherAdjustments.9135.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefit.11134.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:loc xlink:label="loc_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate.11195.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_IncomeTaxExpenseBenefit.11134.14.6" xlink:to="loc_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate.11195.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_IncomeTaxReconciliationTaxExemptIncome.11209.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_IncomeTaxExpenseBenefit.11134.14.6" xlink:to="loc_IncomeTaxReconciliationTaxExemptIncome.11209.14.6" order="2.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_IncomeTaxReconciliationOtherReconcilingItems.11181.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxReconciliationOtherReconcilingItems" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_IncomeTaxExpenseBenefit.11134.14.6" xlink:to="loc_IncomeTaxReconciliationOtherReconcilingItems.11181.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="41303 - Disclosure - INCOME TAXES (Schedule of Deferred Tax Assets and Liabilities) (Details)" xlink:role="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfDeferredTaxAssetsAndLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DeferredIncomeTaxLiabilities.7858.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredIncomeTaxLiabilities" xlink:type="locator" />
    <link:loc xlink:label="loc_DeferredTaxLiabilitiesInvestments.7784.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxLiabilitiesInvestments" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DeferredIncomeTaxLiabilities.7858.14.6" xlink:to="loc_DeferredTaxLiabilitiesInvestments.7784.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DeferredTaxLiabilitiesOtherComprehensiveIncome.8023.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DeferredIncomeTaxLiabilities.7858.14.6" xlink:to="loc_DeferredTaxLiabilitiesOtherComprehensiveIncome.8023.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DeferredTaxLiabilitiesOther.8014.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxLiabilitiesOther" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DeferredIncomeTaxLiabilities.7858.14.6" xlink:to="loc_DeferredTaxLiabilitiesOther.8014.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DeferredTaxAssetsLiabilitiesNet.7910.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:type="locator" />
    <link:loc xlink:label="loc_DeferredTaxAssetsNet.7976.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsNet" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DeferredTaxAssetsLiabilitiesNet.7910.14.6" xlink:to="loc_DeferredTaxAssetsNet.7976.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:calculationArc xlink:from="loc_DeferredTaxAssetsLiabilitiesNet.7910.14.6" xlink:to="loc_DeferredIncomeTaxLiabilities.7858.14.6" order="2.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses.8019.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DeferredTaxAssetsNet.7976.14.6" xlink:to="loc_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses.8019.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves.8038.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DeferredTaxAssetsNet.7976.14.6" xlink:to="loc_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves.8038.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DeferredTaxAssetsPropertyPlantAndEquipment.7775.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DeferredTaxAssetsNet.7976.14.6" xlink:to="loc_DeferredTaxAssetsPropertyPlantAndEquipment.7775.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions.8000.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DeferredTaxAssetsNet.7976.14.6" xlink:to="loc_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions.8000.14.6" order="4.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DeferredTaxAssetsOperatingLossCarryforwards.7993.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DeferredTaxAssetsNet.7976.14.6" xlink:to="loc_DeferredTaxAssetsOperatingLossCarryforwards.7993.14.6" order="5.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax.7994.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DeferredTaxAssetsNet.7976.14.6" xlink:to="loc_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax.7994.14.6" order="6.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DeferredTaxAssetsOther.7967.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsOther" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DeferredTaxAssetsNet.7976.14.6" xlink:to="loc_DeferredTaxAssetsOther.7967.14.6" order="7.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="41304 - Disclosure - INCOME TAXES (Schedule of Change in Net Deferred Tax Assets and Liabilities) (Details)" xlink:role="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfChangeInNetDeferredTaxAssetsAndLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_IncreaseDecreaseInDeferredIncomeTaxes.11309.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredIncomeTaxes" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.14116.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_IncreaseDecreaseInDeferredIncomeTaxes.11309.14.6" xlink:to="loc_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.14116.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DeferredIncomeTaxExpenseBenefit.7887.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_IncreaseDecreaseInDeferredIncomeTaxes.11309.14.6" xlink:to="loc_DeferredIncomeTaxExpenseBenefit.7887.14.6" order="3.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent.14120.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_IncreaseDecreaseInDeferredIncomeTaxes.11309.14.6" xlink:to="loc_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent.14120.14.6" order="1.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="41402 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Changes in Benefit Obligations and Plan Assets and Funded Status) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfChangesInBenefitObligationsAndPlanAssetsAndFundedStatusDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DefinedBenefitPlanFundedStatusOfPlan.8199.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFundedStatusOfPlan" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitObligation.8096.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitObligation" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DefinedBenefitPlanFundedStatusOfPlan.8199.14.6" xlink:to="loc_DefinedBenefitPlanBenefitObligation.8096.14.6" order="1.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DefinedBenefitPlanFundedStatusOfPlan.8199.14.6" xlink:to="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="41403 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Amounts Not Yet Recognized as a Component of Net Periodic Pension Cost) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAmountsNotYetRecognizedAsComponentOfNetPeriodicPensionCostDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.8082.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax.8150.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.8082.14.6" xlink:to="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax.8150.14.6" order="1.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.8173.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.8082.14.6" xlink:to="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.8173.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax.8107.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.8082.14.6" xlink:to="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax.8107.14.6" order="3.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="41406 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Components of Net Periodic Benefit Cost) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfComponentsOfNetPeriodicBenefitCostDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DefinedBenefitPlanNetPeriodicBenefitCost.8223.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanServiceCost.8191.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanServiceCost" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCost.8223.14.6" xlink:to="loc_DefinedBenefitPlanServiceCost.8191.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanInterestCost.8212.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanInterestCost" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCost.8223.14.6" xlink:to="loc_DefinedBenefitPlanInterestCost.8212.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedReturnOnPlanAssets.8235.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCost.8223.14.6" xlink:to="loc_DefinedBenefitPlanExpectedReturnOnPlanAssets.8235.14.6" order="3.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit.8099.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCost.8223.14.6" xlink:to="loc_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit.8099.14.6" order="4.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets.8156.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCost.8223.14.6" xlink:to="loc_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets.8156.14.6" order="5.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfGainsLosses.8134.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCost.8223.14.6" xlink:to="loc_DefinedBenefitPlanAmortizationOfGainsLosses.8134.14.6" order="6.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="41407 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Other Changes in Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income (Loss)) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfOtherChangesInPlanAssetsAndBenefitObligationsRecognizedInOtherComprehensiveIncomeLossDetails" xlink:type="extended">
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.13724.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax.13816.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.13724.14.6" xlink:to="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax.13816.14.6" order="1.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.13723.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.13724.14.6" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.13723.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.13799.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.13724.14.6" xlink:to="loc_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.13799.14.6" order="3.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.13678.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.13724.14.6" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.13678.14.6" order="4.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="42401 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Balance Sheets) (Details)" xlink:role="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationBalanceSheetsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_Assets.6057.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:type="locator" />
    <link:loc xlink:label="loc_CashAndDueFromBanks.6815.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Assets.6057.14.6" xlink:to="loc_CashAndDueFromBanks.6815.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherShortTermInvestments.14081.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherShortTermInvestments" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Assets.6057.14.6" xlink:to="loc_OtherShortTermInvestments.14081.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_EquityMethodInvestments.9316.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvestments" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Assets.6057.14.6" xlink:to="loc_EquityMethodInvestments.9316.14.6" order="4.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DeferredFinanceCostsNet.7864.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredFinanceCostsNet" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Assets.6057.14.6" xlink:to="loc_DeferredFinanceCostsNet.7864.14.6" order="5.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_Liabilities.12166.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Liabilities" xlink:type="locator" />
    <link:loc xlink:label="loc_JuniorSubordinatedNotes.12033.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_JuniorSubordinatedNotes" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Liabilities.12166.14.6" xlink:to="loc_JuniorSubordinatedNotes.12033.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="42402 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Statements of Operations) (Details)" xlink:role="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationStatementsOfOperationsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_CostsAndExpenses.7476.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CostsAndExpenses" xlink:type="locator" />
    <link:loc xlink:label="loc_InterestExpense.11654.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_CostsAndExpenses.7476.14.6" xlink:to="loc_InterestExpense.11654.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_LaborAndRelatedExpense.12056.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_CostsAndExpenses.7476.14.6" xlink:to="loc_LaborAndRelatedExpense.12056.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherNoninterestExpense.13993.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_CostsAndExpenses.7476.14.6" xlink:to="loc_OtherNoninterestExpense.13993.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:type="locator" />
    <link:loc xlink:label="loc_Revenues.16160.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Revenues" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.14.6" xlink:to="loc_Revenues.16160.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:calculationArc xlink:from="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.14.6" xlink:to="loc_CostsAndExpenses.7476.14.6" order="2.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_NetIncomeLoss.13265.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:loc xlink:label="loc_IncomeLossFromSubsidiariesNetOfTax.11103.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetIncomeLoss.13265.14.6" xlink:to="loc_IncomeLossFromSubsidiariesNetOfTax.11103.14.6" order="5.22211" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_RevenueFromRelatedParties.16102.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenueFromRelatedParties" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Revenues.16160.14.6" xlink:to="loc_RevenueFromRelatedParties.16102.14.6" order="1.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_DividendIncomeOperating.8985.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendIncomeOperating" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Revenues.16160.14.6" xlink:to="loc_DividendIncomeOperating.8985.14.6" order="2.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestAndDividendIncomeOperating.11661.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_Revenues.16160.14.6" xlink:to="loc_InterestAndDividendIncomeOperating.11661.14.6" order="3.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
  <link:calculationLink xlink:title="42403 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Statements of Cash Flows) (Details)" xlink:role="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationStatementsOfCashFlowsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:type="locator" />
    <link:loc xlink:label="loc_IncomeLossFromSubsidiariesNetOfTax.11103.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:to="loc_IncomeLossFromSubsidiariesNetOfTax.11103.14.6" order="2.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherOperatingActivitiesCashFlowStatement.13870.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherOperatingActivitiesCashFlowStatement" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.14.6" xlink:to="loc_OtherOperatingActivitiesCashFlowStatement.13870.14.6" order="4.00000" weight="1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:type="locator" />
    <link:loc xlink:label="loc_PaymentsToAcquireAvailableForSaleSecurities.14334.14.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:type="locator" />
    <link:calculationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.14.6" xlink:to="loc_PaymentsToAcquireAvailableForSaleSecurities.14334.14.6" order="1.00000" weight="-1.00" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:type="arc" />
  </link:calculationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>11
<FILENAME>asrv-20131231_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
<!--Created by Vintage Filings ("VF")-->
<!--produced on 2014-02-26 @ 7:50 PM-->
<link:linkbase xmlns:asrv="http://ameriservfinancial.com/20131231" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase">
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLosses" xlink:href="asrv-20131231.xsd#asrv-afll1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedDetails" xlink:href="asrv-20131231.xsd#asrv-afllariiilariird1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesClassesOfLoanPortfolioByAgingCategoriesDetails" xlink:href="asrv-20131231.xsd#asrv-afllcolpbacd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesScheduleOfImpairedLoansByClassDetails" xlink:href="asrv-20131231.xsd#asrv-afllsoilbcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesLoanPortfolioSummarizedByCategoriesDetails" xlink:href="asrv-20131231.xsd#asrv-aflllpsbcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-afllnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesPerformingAndNonperformingOutstandingBalancesDetails" xlink:href="asrv-20131231.xsd#asrv-afllpanobd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesRollforwardOfAllowanceForLoanLossesByPortfolioSegmentDetails" xlink:href="asrv-20131231.xsd#asrv-afllroafllbpsd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesSummaryOfPrimarySegmentsOfLoanPortfolioDetails" xlink:href="asrv-20131231.xsd#asrv-afllsopsolpd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesTables" xlink:href="asrv-20131231.xsd#asrv-afllt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLoss" xlink:href="asrv-20131231.xsd#asrv-aocl1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossScheduleOfAmountsReclassifiedOutOfEachComponentOfAccumulatedOtherComprehensiveLossDetails" xlink:href="asrv-20131231.xsd#asrv-aoclsoarooecoaocld" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveLossDetails" xlink:href="asrv-20131231.xsd#asrv-aoclsociecoaocld" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossTables" xlink:href="asrv-20131231.xsd#asrv-aoclt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPolicies" xlink:href="asrv-20131231.xsd#asrv-sosap1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/CommitmentsAndContingentLiabilities" xlink:href="asrv-20131231.xsd#asrv-cacl1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedBalanceSheets" xlink:href="asrv-20131231.xsd#asrv-cbs1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedBalanceSheetsParenthetical" xlink:href="asrv-20131231.xsd#asrv-cbsp1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfCashFlows" xlink:href="asrv-20131231.xsd#asrv-csocf12" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfComprehensiveIncome" xlink:href="asrv-20131231.xsd#asrv-csoci1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfOperations" xlink:href="asrv-20131231.xsd#asrv-csoo1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DocumentAndEntityInformation" xlink:href="asrv-20131231.xsd#asrv-daei1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurements" xlink:href="asrv-20131231.xsd#asrv-dafvm1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsScheduleOfAssetsAndLiabilitiesMeasuredOnRecurringBasisDetails" xlink:href="asrv-20131231.xsd#asrv-dafvmsoaalmorbd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsScheduleOfAssetsMeasuredAtFairValueOnNonrecurringBasisDetails" xlink:href="asrv-20131231.xsd#asrv-dafvmsoamafvonbd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstrumentsDetails" xlink:href="asrv-20131231.xsd#asrv-dafvofid1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsTables" xlink:href="asrv-20131231.xsd#asrv-dafvmt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/InvestmentSecurities" xlink:href="asrv-20131231.xsd#asrv-is1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfContractualMaturitiesOfSecuritiesDetails" xlink:href="asrv-20131231.xsd#asrv-issocmosd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfInformationConcerningInvestmentsWithUnrealizedLossesDetails" xlink:href="asrv-20131231.xsd#asrv-issoiciwuld" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-isnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfCostBasisAndFairValuesOfInvestmentSecuritiesDetails" xlink:href="asrv-20131231.xsd#asrv-issocbafvoisd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesTables" xlink:href="asrv-20131231.xsd#asrv-ist1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/Loans" xlink:href="asrv-20131231.xsd#asrv-l1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/LoansNarativeDetails" xlink:href="asrv-20131231.xsd#asrv-lnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/LoansSummaryOfLoanPortfolioDetails" xlink:href="asrv-20131231.xsd#asrv-lsolpd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/LoansTables" xlink:href="asrv-20131231.xsd#asrv-lt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfNonperformingAssetsIncludingTdrDetails" xlink:href="asrv-20131231.xsd#asrv-naitdrtsonaitd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-naitdrtnd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfRecordedInvestmentOfDefaultsDetails" xlink:href="asrv-20131231.xsd#asrv-naitdrtsoriodd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfInterestIncomeDetails" xlink:href="asrv-20131231.xsd#asrv-naitdrtsoiid" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfTdrsDetails" xlink:href="asrv-20131231.xsd#asrv-naitdrtsotd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdr" xlink:href="asrv-20131231.xsd#asrv-naitdrt12" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrTables" xlink:href="asrv-20131231.xsd#asrv-naitdrtt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlans" xlink:href="asrv-20131231.xsd#asrv-ebp1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PreferredStock" xlink:href="asrv-20131231.xsd#asrv-ps1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PreferredStockScheduleOfPreferredDividendStockPeriodAnnualizedDetails" xlink:href="asrv-20131231.xsd#asrv-pssopdspad" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PreferredStockTables" xlink:href="asrv-20131231.xsd#asrv-pst1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/RegulatoryCapital" xlink:href="asrv-20131231.xsd#asrv-rc1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/RegulatoryCapitalDetails" xlink:href="asrv-20131231.xsd#asrv-rcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/RegulatoryCapitalTables" xlink:href="asrv-20131231.xsd#asrv-rct1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SegmentResults" xlink:href="asrv-20131231.xsd#asrv-sr1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SegmentResultsTables" xlink:href="asrv-20131231.xsd#asrv-srt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfChangesInStockholdersEquity" xlink:href="asrv-20131231.xsd#asrv-csocise1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfChangesInStockholdersEquityParenthetical" xlink:href="asrv-20131231.xsd#asrv-csocisep1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/CashAndDueFromDepositoryInstitutions" xlink:href="asrv-20131231.xsd#asrv-cadfdi" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/Deposits" xlink:href="asrv-20131231.xsd#asrv-d1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ShorttermBorrowings" xlink:href="asrv-20131231.xsd#asrv-sb1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebentures" xlink:href="asrv-20131231.xsd#asrv-affhlbagjsdid1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstruments" xlink:href="asrv-20131231.xsd#asrv-dafvofi1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxes" xlink:href="asrv-20131231.xsd#asrv-it1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/LeaseCommitments" xlink:href="asrv-20131231.xsd#asrv-lc1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/StockCompensationPlans" xlink:href="asrv-20131231.xsd#asrv-scp1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IntangibleAssets" xlink:href="asrv-20131231.xsd#asrv-ia" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DerivativeHedgingInstruments" xlink:href="asrv-20131231.xsd#asrv-dhi" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformation" xlink:href="asrv-20131231.xsd#asrv-pcfi" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SelectedQuarterlyConsolidatedFinancialData" xlink:href="asrv-20131231.xsd#asrv-sqcfd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PremisesAndEquipment" xlink:href="asrv-20131231.xsd#asrv-pae" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesTables" xlink:href="asrv-20131231.xsd#asrv-sosapt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesPolicy" xlink:href="asrv-20131231.xsd#asrv-sosapp1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PremisesAndEquipmentTables" xlink:href="asrv-20131231.xsd#asrv-paet" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DepositsTables" xlink:href="asrv-20131231.xsd#asrv-dt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ShorttermBorrowingsTables" xlink:href="asrv-20131231.xsd#asrv-sbt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesTables" xlink:href="asrv-20131231.xsd#asrv-affhlbagjsdidt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstrumentsTables" xlink:href="asrv-20131231.xsd#asrv-dafvofit1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxesTables" xlink:href="asrv-20131231.xsd#asrv-itt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/LeaseCommitmentsTables" xlink:href="asrv-20131231.xsd#asrv-lct1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/StockCompensationPlansTables" xlink:href="asrv-20131231.xsd#asrv-scpt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DerivativeHedgingInstrumentsTables" xlink:href="asrv-20131231.xsd#asrv-dhit" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationTables" xlink:href="asrv-20131231.xsd#asrv-pcfit" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SelectedQuarterlyConsolidatedFinancialDataTables" xlink:href="asrv-20131231.xsd#asrv-sqcfdt" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-sosapnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesScheduleOfAccumulatedOtherComprehensiveLossDetails" xlink:href="asrv-20131231.xsd#asrv-sosapsoaocld1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesEarningsPerShareDetails" xlink:href="asrv-20131231.xsd#asrv-sosapepsd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PremisesAndEquipmentDetails" xlink:href="asrv-20131231.xsd#asrv-paed" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DepositsScheduleOfBalancesOfDepositsDetails" xlink:href="asrv-20131231.xsd#asrv-dsobodd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DepositsScheduleOfInterestExpenseOnDepositsDetails" xlink:href="asrv-20131231.xsd#asrv-dsoieodd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DepositsScheduleOfBalancesOfDepositsOfOneZeroZeroZeroZeroZeroOrMoreDetails" xlink:href="asrv-20131231.xsd#asrv-dsobodoomd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DepositsScheduleOfMaturitiesOfDepositsOfOneZeroZeroZeroZeroZeroOrMoreDetails" xlink:href="asrv-20131231.xsd#asrv-dsomodoomd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ShorttermBorrowingsDetails" xlink:href="asrv-20131231.xsd#asrv-sbd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesScheduleOfBalancesAndAdvancesDetails" xlink:href="asrv-20131231.xsd#asrv-affhlbagjsdidsobaad1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-affhlbagjsdidnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-dafvmnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfExpenseForIncomeTaxesDetails" xlink:href="asrv-20131231.xsd#asrv-itsoefitd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfReconciliationBetweenFederalStatutoryTaxRateAndEffectiveIncomeTaxRateDetails" xlink:href="asrv-20131231.xsd#asrv-itsorbfstraeitrd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfDeferredTaxAssetsAndLiabilitiesDetails" xlink:href="asrv-20131231.xsd#asrv-itsodtaald1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfChangeInNetDeferredTaxAssetsAndLiabilitiesDetails" xlink:href="asrv-20131231.xsd#asrv-itsocindtaald1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxesNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-itnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansTables" xlink:href="asrv-20131231.xsd#asrv-ebpt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-ebpnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfChangesInBenefitObligationsAndPlanAssetsAndFundedStatusDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsociboapaafsd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAmountsNotYetRecognizedAsComponentOfNetPeriodicPensionCostDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsoanyraconppcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAccumulatedBenefitObligationDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsoabod1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfWeightedAverageAssumptionsUsedToDetermineBenefitObligationsDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsowaautdbod1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfComponentsOfNetPeriodicBenefitCostDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsoconpbcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfOtherChangesInPlanAssetsAndBenefitObligationsRecognizedInOtherComprehensiveIncomeLossDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsoocipaaboriocild1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfWeightedAverageAssumptionsUsedToDetermineNetPeriodicBenefitCostDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsowaautdnpbcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfPlansAssetAllocationsDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsopaad1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAssetsMeasuredAtFairValueDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsoamafvd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfEstimatedFutureBenefitPaymentsDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsoefbpd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/LeaseCommitmentsDetails" xlink:href="asrv-20131231.xsd#asrv-lcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/StockCompensationPlansNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-scpnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/StockCompensationPlansScheduleOfStockIncentivePlanActivityDetails" xlink:href="asrv-20131231.xsd#asrv-scpsosipad1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/StockCompensationPlansScheduleOfAssumptionsDetails" xlink:href="asrv-20131231.xsd#asrv-scpsoad1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IntangibleAssetsDetails" xlink:href="asrv-20131231.xsd#asrv-iad" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DerivativeHedgingInstrumentsDetails" xlink:href="asrv-20131231.xsd#asrv-dhid" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationBalanceSheetsDetails" xlink:href="asrv-20131231.xsd#asrv-pcfibsd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationStatementsOfOperationsDetails" xlink:href="asrv-20131231.xsd#asrv-pcfisood" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationStatementsOfCashFlowsDetails" xlink:href="asrv-20131231.xsd#asrv-pcfisocfd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-pcfind" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SelectedQuarterlyConsolidatedFinancialDataDetails" xlink:href="asrv-20131231.xsd#asrv-sqcfdd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/CashAndDueFromDepositoryInstitutionsDetails" xlink:href="asrv-20131231.xsd#asrv-cadfdid" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/CommitmentsAndContingentLiabilitiesDetails" xlink:href="asrv-20131231.xsd#asrv-cacld1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PreferredStockNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-psnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SegmentResultsDetails" xlink:href="asrv-20131231.xsd#asrv-srd1" xlink:type="simple" />
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all" xlink:type="simple" />
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/notAll" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#notAll" xlink:type="simple" />
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension" xlink:type="simple" />
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain" xlink:type="simple" />
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member" xlink:type="simple" />
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default" xlink:type="simple" />
  <link:definitionLink xlink:title="40504 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Average Recorded Investment in Impaired Loans and Related Interest Income Recognized) (Details)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfImpairedFinancingReceivableTable.4771.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.9.6" xlink:to="loc_ScheduleOfImpairedFinancingReceivableTable.4771.9.6" order="2.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.2600.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.2600.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestAndOtherIncomeAbstract.2840.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndOtherIncomeAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_InterestAndOtherIncomeAbstract.2840.7.6" order="21.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialLoanMember.1070.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_CommercialLoanMember.1070.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_CommercialRealEstateMember.1077.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_ConsumerLoanMember.1175.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivableAverageRecordedInvestment.10992.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.2600.7.6" xlink:to="loc_ImpairedFinancingReceivableAverageRecordedInvestment.10992.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.11010.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InterestAndOtherIncomeAbstract.2840.7.6" xlink:to="loc_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.11010.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfImpairedFinancingReceivableTable.4771.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfImpairedFinancingReceivableTable.4771.5.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" order="30.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40507 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Classes of Loan Portfolio by Aging Categories) (Details)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesClassesOfLoanPortfolioByAgingCategoriesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_StatementTable.5163.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.9.6" xlink:to="loc_StatementTable.5163.9.6" order="2.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentCurrent.10278.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.7.6" xlink:to="loc_FinancingReceivableRecordedInvestmentCurrent.10278.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment30To59DaysPastDue.10259.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.7.6" xlink:to="loc_FinancingReceivableRecordedInvestment30To59DaysPastDue.10259.7.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment60To89DaysPastDue.10275.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.7.6" xlink:to="loc_FinancingReceivableRecordedInvestment60To89DaysPastDue.10275.7.6" order="60.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.10274.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.7.6" xlink:to="loc_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.10274.7.6" order="80.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentPastDue.10284.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.7.6" xlink:to="loc_FinancingReceivableRecordedInvestmentPastDue.10284.7.6" order="100.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.7.6" xlink:to="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.7.6" order="120.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.10242.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.7.6" xlink:to="loc_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.10242.7.6" order="140.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialLoanMember.1070.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_CommercialLoanMember.1070.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_CommercialRealEstateMember.1077.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_MortgageLoansOnRealEstateMember.3405.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_ConsumerLoanMember.1175.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementTable.5163.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementTable" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementTable.5163.5.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" order="30.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40503 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Schedule of Impaired Loans by Class) (Details)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesScheduleOfImpairedLoansByClassDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfImpairedFinancingReceivableTable.4771.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.9.6" xlink:to="loc_ScheduleOfImpairedFinancingReceivableTable.4771.9.6" order="2.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRecordedInvestment.10996.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_ImpairedFinancingReceivableRecordedInvestment.10996.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRelatedAllowance.10998.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_ImpairedFinancingReceivableRelatedAllowance.10998.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivableUnpaidPrincipalBalance.10994.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_ImpairedFinancingReceivableUnpaidPrincipalBalance.10994.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_CommercialRealEstateMember.1077.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_ConsumerLoanMember.1175.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CommercialLoanMember.1070.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_CommercialLoanMember.1070.7.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfImpairedFinancingReceivableTable.4771.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfImpairedFinancingReceivableTable.4771.5.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" order="50.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_ImpairedLoansAxis.36821.5.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfImpairedFinancingReceivableTable.4771.5.6" xlink:to="loc_ImpairedLoansAxis.36821.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_ImpairedLoansAxis.36821.8.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_ImpairedLoansDomain.36822.8.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ImpairedLoansAxis.36821.8.6" xlink:to="loc_ImpairedLoansDomain.36822.8.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_ImpairedLoansAxis.36821.6.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_ImpairedLoansDomain.36822.6.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ImpairedLoansAxis.36821.6.6" xlink:to="loc_ImpairedLoansDomain.36822.6.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_ImpairedLoansDomain.36822.7.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_ImpairedLoansWithSpecificAllowanceMember.36824.7.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansWithSpecificAllowanceMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ImpairedLoansDomain.36822.7.6" xlink:to="loc_ImpairedLoansWithSpecificAllowanceMember.36824.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ImpairedLoansWithNoSpecificAllowanceMember.36823.7.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansWithNoSpecificAllowanceMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ImpairedLoansDomain.36822.7.6" xlink:to="loc_ImpairedLoansWithNoSpecificAllowanceMember.36823.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40505 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Loan Portfolio Summarized by Categories) (Details)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesLoanPortfolioSummarizedByCategoriesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.9.6" xlink:to="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.9.6" order="3.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_LoansReceivableCommercialRealEstateAbstract.3198.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansReceivableCommercialRealEstateAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_LoansReceivableCommercialRealEstateAbstract.3198.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialLoanMember.1070.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_CommercialLoanMember.1070.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_CommercialRealEstateMember.1077.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentAxis.2889.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InternalCreditAssessmentAxis.2889.6.6" xlink:to="loc_InternalCreditAssessmentDomain.2890.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentAxis.2889.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InternalCreditAssessmentAxis.2889.8.6" xlink:to="loc_InternalCreditAssessmentDomain.2890.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PassMember.3918.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PassMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InternalCreditAssessmentDomain.2890.7.6" xlink:to="loc_PassMember.3918.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_SpecialMentionMember.5132.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SpecialMentionMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InternalCreditAssessmentDomain.2890.7.6" xlink:to="loc_SpecialMentionMember.5132.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_SubstandardMember.4705.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SubstandardMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InternalCreditAssessmentDomain.2890.7.6" xlink:to="loc_SubstandardMember.4705.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DoubtfulMember.1326.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DoubtfulMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InternalCreditAssessmentDomain.2890.7.6" xlink:to="loc_DoubtfulMember.1326.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableCommercial.12520.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableCommercial" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LoansReceivableCommercialRealEstateAbstract.3198.7.6" xlink:to="loc_LoansAndLeasesReceivableCommercial.12520.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:type="locator" />
    <link:loc xlink:label="loc_InternalCreditAssessmentAxis.2889.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.5.6" xlink:to="loc_InternalCreditAssessmentAxis.2889.5.6" order="35.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.5.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" order="50.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40508 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.9.6" xlink:to="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.9.6" order="2.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure.36826.7.6" xlink:href="asrv-20131231.xsd#asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure.36826.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansPastDueAsToMaturity.36834.7.6" xlink:href="asrv-20131231.xsd#asrv_LoansPastDueAsToMaturity" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_LoansPastDueAsToMaturity.36834.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor.36849.7.6" xlink:href="asrv-20131231.xsd#asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor.36849.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CreditReviewsMandatoryForLoansAggregateBalances.36787.7.6" xlink:href="asrv-20131231.xsd#asrv_CreditReviewsMandatoryForLoansAggregateBalances" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_CreditReviewsMandatoryForLoansAggregateBalances.36787.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AnticipatedScopeOfRangeOfCoverage.36768.7.6" xlink:href="asrv-20131231.xsd#asrv_AnticipatedScopeOfRangeOfCoverage" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_AnticipatedScopeOfRangeOfCoverage.36768.7.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances.36764.7.6" xlink:href="asrv-20131231.xsd#asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances.36764.7.6" order="7.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ProvisionForLoanLeaseAndOtherLosses.15267.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_ProvisionForLoanLeaseAndOtherLosses.15267.7.6" order="7.14562" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableMinimumPercentRequiredToBeReviewed.37115.7.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_FinancingReceivableMinimumPercentRequiredToBeReviewed.37115.7.6" order="8.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.37116.7.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.37116.7.6" order="9.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment.37117.7.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment.37117.7.6" order="10.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialLoanMember.1070.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_CommercialLoanMember.1070.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_CommercialRealEstateMember.1077.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_MortgageLoansOnRealEstateMember.3405.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_ConsumerLoanMember.1175.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentAxis.2889.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InternalCreditAssessmentAxis.2889.8.6" xlink:to="loc_InternalCreditAssessmentDomain.2890.8.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentAxis.2889.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InternalCreditAssessmentAxis.2889.6.6" xlink:to="loc_InternalCreditAssessmentDomain.2890.6.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PassMember.3918.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PassMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InternalCreditAssessmentDomain.2890.7.6" xlink:to="loc_PassMember.3918.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_SpecialMentionMember.5132.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SpecialMentionMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InternalCreditAssessmentDomain.2890.7.6" xlink:to="loc_SpecialMentionMember.5132.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DoubtfulMember.1326.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DoubtfulMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InternalCreditAssessmentDomain.2890.7.6" xlink:to="loc_DoubtfulMember.1326.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeAxis.4365.6.6" xlink:to="loc_RangeMember.4366.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeAxis.4365.8.6" xlink:to="loc_RangeMember.4366.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeMember.4366.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:loc xlink:label="loc_MinimumMember.3382.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MinimumMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeMember.4366.7.6" xlink:to="loc_MinimumMember.3382.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MaximumMember.3373.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaximumMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeMember.4366.7.6" xlink:to="loc_MaximumMember.3373.7.6" order="21.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeAxis.4365.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.5.6" xlink:to="loc_RangeAxis.4365.5.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.5.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" order="30.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentAxis.2889.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.5.6" xlink:to="loc_InternalCreditAssessmentAxis.2889.5.6" order="50.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40506 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Performing and Non-performing Outstanding Balances) (Details)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesPerformingAndNonperformingOutstandingBalancesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.9.6" xlink:to="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.9.6" order="3.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract.36831.7.6" xlink:href="asrv-20131231.xsd#asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract.36831.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_MortgageLoansOnRealEstateMember.3405.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_ConsumerLoanMember.1175.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentAxis.2889.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InternalCreditAssessmentAxis.2889.6.6" xlink:to="loc_InternalCreditAssessmentDomain.2890.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentAxis.2889.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InternalCreditAssessmentAxis.2889.8.6" xlink:to="loc_InternalCreditAssessmentDomain.2890.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PerformingFinancingReceivableMember.3917.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PerformingFinancingReceivableMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InternalCreditAssessmentDomain.2890.7.6" xlink:to="loc_PerformingFinancingReceivableMember.3917.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_NonperformingFinancingReceivableMember.3476.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NonperformingFinancingReceivableMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InternalCreditAssessmentDomain.2890.7.6" xlink:to="loc_NonperformingFinancingReceivableMember.3476.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:type="locator" />
    <link:loc xlink:label="loc_InternalCreditAssessmentAxis.2889.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.5.6" xlink:to="loc_InternalCreditAssessmentAxis.2889.5.6" order="35.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.5.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" order="50.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableConsumer.12509.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableConsumer" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract.36831.7.6" xlink:to="loc_LoansAndLeasesReceivableConsumer.12509.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40501 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Rollforward of the Allowance for Loan Losses by Portfolio Segment) (Details)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesRollforwardOfAllowanceForLoanLossesByPortfolioSegmentDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4764.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.9.6" xlink:to="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4764.9.6" order="1.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLosses.10279.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_FinancingReceivableAllowanceForCreditLosses.10279.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesWriteOffs.10268.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_FinancingReceivableAllowanceForCreditLossesWriteOffs.10268.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesRecovery.10276.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_FinancingReceivableAllowanceForCreditLossesRecovery.10276.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ProvisionForLoanLeaseAndOtherLosses.15267.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_ProvisionForLoanLeaseAndOtherLosses.15267.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialLoanMember.1070.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_CommercialLoanMember.1070.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_CommercialRealEstateMember.1077.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_MortgageLoansOnRealEstateMember.3405.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_ConsumerLoanMember.1175.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AllocationForGeneralRiskMember.36763.7.6" xlink:href="asrv-20131231.xsd#asrv_AllocationForGeneralRiskMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_AllocationForGeneralRiskMember.36763.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4764.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4764.5.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" order="30.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40502 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Summary of Primary Segments of Loan Portfolio) (Details)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesSummaryOfPrimarySegmentsOfLoanPortfolioDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4764.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.9.6" xlink:to="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4764.9.6" order="1.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableIndividuallyEvaluatedForImpairment.10277.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_FinancingReceivableIndividuallyEvaluatedForImpairment.10277.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableCollectivelyEvaluatedForImpairment.10288.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_FinancingReceivableCollectivelyEvaluatedForImpairment.10288.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.10256.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.10256.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.10294.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.10294.7.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLosses.10279.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_FinancingReceivableAllowanceForCreditLosses.10279.7.6" order="7.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialLoanMember.1070.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_CommercialLoanMember.1070.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_CommercialRealEstateMember.1077.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_MortgageLoansOnRealEstateMember.3405.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_ConsumerLoanMember.1175.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AllocationForGeneralRiskMember.36763.7.6" xlink:href="asrv-20131231.xsd#asrv_AllocationForGeneralRiskMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_AllocationForGeneralRiskMember.36763.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4764.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4764.5.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" order="30.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41901 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE LOSS (Schedule of Changes in Each Component of Accumulated Other Comprehensive Loss) (Details)" xlink:role="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveLossDetails" xlink:type="extended">
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLocationAxis.3750.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLocationAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLocationDomain.3760.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLocationDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_OtherComprehensiveIncomeLocationAxis.3750.8.6" xlink:to="loc_OtherComprehensiveIncomeLocationDomain.3760.8.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLocationAxis.3750.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLocationAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLocationDomain.3760.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLocationDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_OtherComprehensiveIncomeLocationAxis.3750.6.6" xlink:to="loc_OtherComprehensiveIncomeLocationDomain.3760.6.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLocationDomain.3760.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLocationDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_AccumulatedNetUnrealizedInvestmentGainLossMember.465.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_OtherComprehensiveIncomeLocationDomain.3760.7.6" xlink:to="loc_AccumulatedNetUnrealizedInvestmentGainLossMember.465.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_OtherComprehensiveIncomeLocationDomain.3760.7.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveLossLineItems.36760.9.6" xlink:href="asrv-20131231.xsd#asrv_AccumulatedOtherComprehensiveLossLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveLossTable.36761.9.6" xlink:href="asrv-20131231.xsd#asrv_AccumulatedOtherComprehensiveLossTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccumulatedOtherComprehensiveLossLineItems.36760.9.6" xlink:to="loc_AccumulatedOtherComprehensiveLossTable.36761.9.6" order="1.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveLossLineItems.36760.7.6" xlink:href="asrv-20131231.xsd#asrv_AccumulatedOtherComprehensiveLossLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccumulatedOtherComprehensiveLossLineItems.36760.7.6" xlink:to="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossBeforeReclassifications.36854.7.6" xlink:href="asrv-20131231.xsd#asrv_OtherComprehensiveIncomeLossBeforeReclassifications" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccumulatedOtherComprehensiveLossLineItems.36760.7.6" xlink:to="loc_OtherComprehensiveIncomeLossBeforeReclassifications.36854.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.36767.7.6" xlink:href="asrv-20131231.xsd#asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccumulatedOtherComprehensiveLossLineItems.36760.7.6" xlink:to="loc_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.36767.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccumulatedOtherComprehensiveLossLineItems.36760.7.6" xlink:to="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveLossTable.36761.5.6" xlink:href="asrv-20131231.xsd#asrv_AccumulatedOtherComprehensiveLossTable" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLocationAxis.3750.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLocationAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccumulatedOtherComprehensiveLossTable.36761.5.6" xlink:to="loc_OtherComprehensiveIncomeLocationAxis.3750.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41101 - Disclosure - DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Schedule of Assets and Liabilities Measured on Recurring Basis) (Details)" xlink:role="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsScheduleOfAssetsAndLiabilitiesMeasuredOnRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtSecurityAxis.1358.6.6" xlink:to="loc_MajorTypesOfDebtSecuritiesDomain.3312.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtSecurityAxis.1358.8.6" xlink:to="loc_MajorTypesOfDebtSecuritiesDomain.3312.8.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByMeasurementFrequencyAxis.1988.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementFrequencyDomain.2021.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueByMeasurementFrequencyAxis.1988.6.6" xlink:to="loc_FairValueMeasurementFrequencyDomain.2021.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByMeasurementFrequencyAxis.1988.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementFrequencyDomain.2021.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueByMeasurementFrequencyAxis.1988.8.6" xlink:to="loc_FairValueMeasurementFrequencyDomain.2021.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueByMeasurementFrequencyAxis.1988.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.5.6" xlink:to="loc_FairValueByMeasurementFrequencyAxis.1988.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.5.6" xlink:to="loc_FairValueByFairValueHierarchyLevelAxis.1998.5.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.5.6" xlink:to="loc_DebtSecurityAxis.1358.5.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueByFairValueHierarchyLevelAxis.1998.6.6" xlink:to="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueByFairValueHierarchyLevelAxis.1998.8.6" xlink:to="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueMeasurementFrequencyDomain.2021.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementsRecurringMember.2011.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsRecurringMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueMeasurementFrequencyDomain.2021.7.6" xlink:to="loc_FairValueMeasurementsRecurringMember.2011.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueInputsLevel1Member.2138.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.7.6" xlink:to="loc_FairValueInputsLevel1Member.2138.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueInputsLevel2Member.2139.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.7.6" xlink:to="loc_FairValueInputsLevel2Member.2139.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueInputsLevel3Member.2129.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.7.6" xlink:to="loc_FairValueInputsLevel3Member.2129.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.9.6" xlink:to="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.9.6" order="3.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecurities.6182.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.7.6" xlink:to="loc_AvailableForSaleSecurities.6182.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DerivativeAssets.8438.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.7.6" xlink:to="loc_DerivativeAssets.8438.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DerivativeLiabilities.8379.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.7.6" xlink:to="loc_DerivativeLiabilities.8379.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CorporateBondSecuritiesMember.1228.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateBondSecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_CorporateBondSecuritiesMember.1228.7.6" order="61.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41102 - Disclosure - DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Schedule of Assets Measured at Fair Value on Non-Recurring Basis) (Details)" xlink:role="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsScheduleOfAssetsMeasuredAtFairValueOnNonrecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:label="loc_FairValueByMeasurementFrequencyAxis.1988.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementFrequencyDomain.2021.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueByMeasurementFrequencyAxis.1988.6.6" xlink:to="loc_FairValueMeasurementFrequencyDomain.2021.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByMeasurementFrequencyAxis.1988.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementFrequencyDomain.2021.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueByMeasurementFrequencyAxis.1988.8.6" xlink:to="loc_FairValueMeasurementFrequencyDomain.2021.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueByFairValueHierarchyLevelAxis.1998.6.6" xlink:to="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueByFairValueHierarchyLevelAxis.1998.8.6" xlink:to="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueMeasurementFrequencyDomain.2021.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementsNonrecurringMember.2056.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsNonrecurringMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueMeasurementFrequencyDomain.2021.7.6" xlink:to="loc_FairValueMeasurementsNonrecurringMember.2056.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByAssetClassAxis.2030.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByAssetClassAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain.2062.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueByAssetClassAxis.2030.8.6" xlink:to="loc_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain.2062.8.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByAssetClassAxis.2030.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByAssetClassAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain.2062.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueByAssetClassAxis.2030.6.6" xlink:to="loc_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain.2062.6.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueInputsLevel1Member.2138.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.7.6" xlink:to="loc_FairValueInputsLevel1Member.2138.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueInputsLevel2Member.2139.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.7.6" xlink:to="loc_FairValueInputsLevel2Member.2139.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueInputsLevel3Member.2129.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.7.6" xlink:to="loc_FairValueInputsLevel3Member.2129.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain.2062.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_ImpairedLoansMember.43662.7.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain.2062.7.6" xlink:to="loc_ImpairedLoansMember.43662.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherRealEstateOwnedMember.43663.7.6" xlink:href="asrv-20131231.xsd#asrv_OtherRealEstateOwnedMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain.2062.7.6" xlink:to="loc_OtherRealEstateOwnedMember.43663.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.9.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" order="3.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRecordedInvestment.10996.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.7.6" xlink:to="loc_ImpairedFinancingReceivableRecordedInvestment.10996.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancialInstrumentsOwnedOtherAtFairValue.10135.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsOwnedOtherAtFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.7.6" xlink:to="loc_FinancialInstrumentsOwnedOtherAtFairValue.10135.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueAppraisalOfAdjustments.36798.7.6" xlink:href="asrv-20131231.xsd#asrv_FairValueAppraisalOfAdjustments" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.7.6" xlink:to="loc_FairValueAppraisalOfAdjustments.36798.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueLiquidationExpenses.36799.7.6" xlink:href="asrv-20131231.xsd#asrv_FairValueLiquidationExpenses" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.7.6" xlink:to="loc_FairValueLiquidationExpenses.36799.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeAxis.4365.6.6" xlink:to="loc_RangeMember.4366.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeAxis.4365.8.6" xlink:to="loc_RangeMember.4366.8.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeMember.4366.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:loc xlink:label="loc_MinimumMember.3382.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MinimumMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeMember.4366.7.6" xlink:to="loc_MinimumMember.3382.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MaximumMember.3373.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaximumMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeMember.4366.7.6" xlink:to="loc_MaximumMember.3373.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueByMeasurementFrequencyAxis.1988.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_FairValueByMeasurementFrequencyAxis.1988.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_FairValueByFairValueHierarchyLevelAxis.1998.5.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_RangeAxis.4365.5.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByAssetClassAxis.2030.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByAssetClassAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_FairValueByAssetClassAxis.2030.5.6" order="70.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41201 - Disclosure - DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Details)" xlink:role="http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueByFairValueHierarchyLevelAxis.1998.6.6" xlink:to="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueByFairValueHierarchyLevelAxis.1998.8.6" xlink:to="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract.2048.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract.2048.7.6" xlink:to="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.7.6" order="10.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract.2048.7.6" xlink:to="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.7.6" order="95.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueInputsLevel1Member.2138.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.7.6" xlink:to="loc_FairValueInputsLevel1Member.2138.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueInputsLevel2Member.2139.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.7.6" xlink:to="loc_FairValueInputsLevel2Member.2139.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueInputsLevel3Member.2129.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.7.6" xlink:to="loc_FairValueInputsLevel3Member.2129.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueByBalanceSheetGroupingTable.2101.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.9.6" xlink:to="loc_FairValueByBalanceSheetGroupingTable.2101.9.6" order="2.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.7.6" xlink:to="loc_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract.2048.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByBalanceSheetGroupingTable.2101.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueByBalanceSheetGroupingTable.2101.5.6" xlink:to="loc_FairValueByFairValueHierarchyLevelAxis.1998.5.6" order="35.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_DepositsWithNoStatedMaturitiesFairValueDisclosure.36791.7.6" xlink:href="asrv-20131231.xsd#asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.7.6" xlink:to="loc_DepositsWithNoStatedMaturitiesFairValueDisclosure.36791.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DepositsWithStatedMaturitiesFairValueDisclosure.36793.7.6" xlink:href="asrv-20131231.xsd#asrv_DepositsWithStatedMaturitiesFairValueDisclosure" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.7.6" xlink:to="loc_DepositsWithStatedMaturitiesFairValueDisclosure.36793.7.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FederalHomeLoanBankBorrowingsFairValueDisclosure.9983.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.7.6" xlink:to="loc_FederalHomeLoanBankBorrowingsFairValueDisclosure.9983.7.6" order="60.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtAndCapitalLeaseObligationsFairValueDisclosure.36788.7.6" xlink:href="asrv-20131231.xsd#asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.7.6" xlink:to="loc_DebtAndCapitalLeaseObligationsFairValueDisclosure.36788.7.6" order="80.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure.5670.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.7.6" xlink:to="loc_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure.5670.7.6" order="100.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CreditRiskDerivativeLiabilitiesAtFairValue.7488.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CreditRiskDerivativeLiabilitiesAtFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.7.6" xlink:to="loc_CreditRiskDerivativeLiabilitiesAtFairValue.7488.7.6" order="122.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.7.6" xlink:href="asrv-20131231.xsd#asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.7.6" xlink:to="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.7.6" order="10.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsFairValueDisclosure.6850.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.7.6" xlink:to="loc_CashAndCashEquivalentsFairValueDisclosure.6850.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_RegulatoryAssetsFairValueDisclosure.36867.7.6" xlink:href="asrv-20131231.xsd#asrv_RegulatoryAssetsFairValueDisclosure" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.7.6" xlink:to="loc_RegulatoryAssetsFairValueDisclosure.36867.7.6" order="60.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansHeldForSaleFairValueDisclosure.12613.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.7.6" xlink:to="loc_LoansHeldForSaleFairValueDisclosure.12613.7.6" order="80.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansReceivableFairValueDisclosure.12664.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansReceivableFairValueDisclosure" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.7.6" xlink:to="loc_LoansReceivableFairValueDisclosure.12664.7.6" order="110.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AccountsReceivableFairValueDisclosure.5649.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableFairValueDisclosure" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.7.6" xlink:to="loc_AccountsReceivableFairValueDisclosure.5649.7.6" order="120.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CashSurrenderValueFairValueDisclosure.6876.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashSurrenderValueFairValueDisclosure" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.7.6" xlink:to="loc_CashSurrenderValueFairValueDisclosure.6876.7.6" order="150.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesFairValue.10919.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.7.6" xlink:to="loc_HeldToMaturitySecuritiesFairValue.10919.7.6" order="57.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecurities.6182.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.7.6" xlink:to="loc_AvailableForSaleSecurities.6182.7.6" order="52.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.7.6" xlink:href="asrv-20131231.xsd#asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.7.6" xlink:to="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.7.6" order="10.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CreditRiskDerivativeAssetsAtFairValue.7490.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CreditRiskDerivativeAssetsAtFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.7.6" xlink:to="loc_CreditRiskDerivativeAssetsAtFairValue.7490.7.6" order="161.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsAtCarryingValue.6843.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.7.6" xlink:to="loc_CashAndCashEquivalentsAtCarryingValue.6843.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecurities.10889.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.7.6" xlink:to="loc_HeldToMaturitySecurities.10889.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FederalHomeLoanBankStockAndFederalReserveBankStock.10008.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.7.6" xlink:to="loc_FederalHomeLoanBankStockAndFederalReserveBankStock.10008.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansHeldForSaleMortgages.12627.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansHeldForSaleMortgages" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.7.6" xlink:to="loc_LoansHeldForSaleMortgages.12627.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetReportedAmount.12598.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.7.6" xlink:to="loc_LoansAndLeasesReceivableNetReportedAmount.12598.7.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AccruedInvestmentIncomeReceivable.5738.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccruedInvestmentIncomeReceivable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.7.6" xlink:to="loc_AccruedInvestmentIncomeReceivable.5738.7.6" order="7.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_BankOwnedLifeInsurance.6282.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BankOwnedLifeInsurance" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.7.6" xlink:to="loc_BankOwnedLifeInsurance.6282.7.6" order="8.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DerivativeAssets.8438.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.7.6" xlink:to="loc_DerivativeAssets.8438.7.6" order="9.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DepositsWithNoStatedMaturities.36790.7.6" xlink:href="asrv-20131231.xsd#asrv_DepositsWithNoStatedMaturities" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.7.6" xlink:to="loc_DepositsWithNoStatedMaturities.36790.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DepositsWithStatedMaturities.36792.7.6" xlink:href="asrv-20131231.xsd#asrv_DepositsWithStatedMaturities" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.7.6" xlink:to="loc_DepositsWithStatedMaturities.36792.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesShortTerm.10073.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesShortTerm" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.7.6" xlink:to="loc_FederalHomeLoanBankAdvancesShortTerm.10073.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherBorrowings.13823.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherBorrowings" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.7.6" xlink:to="loc_OtherBorrowings.13823.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestPayableCurrentAndNoncurrent.11632.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestPayableCurrentAndNoncurrent" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.7.6" xlink:to="loc_InterestPayableCurrentAndNoncurrent.11632.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DerivativeLiabilities.8379.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.7.6" xlink:to="loc_DerivativeLiabilities.8379.7.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40302 - Disclosure - INVESTMENT SECURITIES (Schedule of Contractual Maturities of Securities) (Details)" xlink:role="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfContractualMaturitiesOfSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_InvestmentTable.217.5.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentTable.217.5.6" xlink:to="loc_DebtSecurityAxis.1358.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentLineItems.236.9.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_InvestmentTable.217.9.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentLineItems.236.9.6" xlink:to="loc_InvestmentTable.217.9.6" order="2.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentLineItems.236.7.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentLineItems.236.7.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.6214.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.6214.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.6181.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.6181.7.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.36775.7.6" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.36775.7.6" order="60.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.36773.7.6" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.36773.7.6" order="80.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.6187.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.6187.7.6" order="100.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.6211.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.6211.7.6" order="120.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.6175.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.6175.7.6" order="140.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36776.7.6" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36776.7.6" order="160.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36774.7.6" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36774.7.6" order="180.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.10905.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.10905.7.6" order="220.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.10891.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.10891.7.6" order="240.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.36818.7.6" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.36818.7.6" order="260.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.10867.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.10867.7.6" order="300.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.10870.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.10870.7.6" order="320.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36817.7.6" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36817.7.6" order="340.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.10871.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.10871.7.6" order="250.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.36820.7.6" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.36820.7.6" order="255.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.10869.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.10869.7.6" order="330.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36819.7.6" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36819.7.6" order="335.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecurities.6182.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_AvailableForSaleSecurities.6182.7.6" order="210.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesFairValue.10919.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_HeldToMaturitySecuritiesFairValue.10919.7.6" order="361.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecurities.10889.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_HeldToMaturitySecurities.10889.7.6" order="290.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.6180.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.6180.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.6172.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.6172.7.6" order="110.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.36970.7.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.36970.7.6" order="101.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36972.7.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36972.7.6" order="102.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36974.7.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36974.7.6" order="103.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36975.7.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36975.7.6" order="104.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.36976.7.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.36976.7.6" order="105.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYield.36982.7.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYield" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesYield.36982.7.6" order="106.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.36977.7.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.36977.7.6" order="291.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36978.7.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36978.7.6" order="292.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36979.7.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36979.7.6" order="293.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36980.7.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36980.7.6" order="294.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.36981.7.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.36981.7.6" order="295.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYield.36983.7.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYield" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.7.6" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesYield.36983.7.6" order="296.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtSecurityAxis.1358.6.6" xlink:to="loc_MajorTypesOfDebtSecuritiesDomain.3312.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtSecurityAxis.1358.8.6" xlink:to="loc_MajorTypesOfDebtSecuritiesDomain.3312.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CorporateBondSecuritiesMember.1228.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateBondSecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_CorporateBondSecuritiesMember.1228.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CorporateBondsAndOtherSecuritiesMember.36786.7.6" xlink:href="asrv-20131231.xsd#asrv_CorporateBondsAndOtherSecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_CorporateBondsAndOtherSecuritiesMember.36786.7.6" order="99.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40303 - Disclosure - INVESTMENT SECURITIES (Schedule of Information Concerning Investments with Unrealized Losses) (Details)" xlink:role="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfInformationConcerningInvestmentsWithUnrealizedLossesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_InvestmentTable.217.5.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentTable.217.5.6" xlink:to="loc_DebtSecurityAxis.1358.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentLineItems.236.9.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_InvestmentTable.217.9.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentLineItems.236.9.6" xlink:to="loc_InvestmentTable.217.9.6" order="2.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentLineItems.236.7.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentLineItems.236.7.6" xlink:to="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.6159.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.6159.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.6179.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.6179.7.6" order="60.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.6188.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.6188.7.6" order="100.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.10878.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.10878.7.6" order="140.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.10881.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.10881.7.6" order="180.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue.10882.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue.10882.7.6" order="220.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.36772.7.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.36772.7.6" order="51.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.36770.7.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.36770.7.6" order="90.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.36771.7.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.36771.7.6" order="130.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.36816.7.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.36816.7.6" order="170.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.36814.7.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.36814.7.6" order="210.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.36815.7.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.36815.7.6" order="241.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtSecurityAxis.1358.6.6" xlink:to="loc_MajorTypesOfDebtSecuritiesDomain.3312.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtSecurityAxis.1358.8.6" xlink:to="loc_MajorTypesOfDebtSecuritiesDomain.3312.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CorporateBondSecuritiesMember.1228.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateBondSecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_CorporateBondSecuritiesMember.1228.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherDebtSecuritiesMember.3820.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherDebtSecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_OtherDebtSecuritiesMember.3820.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TaxableMunicipalBondsMember.5399.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TaxableMunicipalBondsMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_TaxableMunicipalBondsMember.5399.7.6" order="70.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40304 - Disclosure - INVESTMENT SECURITIES (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/InvestmentSecuritiesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_InvestmentTable.217.5.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentTable" xlink:type="locator" />
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesGainOrLossAxis.36809.5.6" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesGainOrLossAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentTable.217.5.6" xlink:to="loc_GrossInvestmentSecuritiesGainOrLossAxis.36809.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_CreditRatingStandardPoorsAxis.1277.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CreditRatingStandardPoorsAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentTable.217.5.6" xlink:to="loc_CreditRatingStandardPoorsAxis.1277.5.6" order="50.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentTable.217.5.6" xlink:to="loc_DebtSecurityAxis.1358.5.6" order="57.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentLineItems.236.9.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_InvestmentTable.217.9.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentLineItems.236.9.6" xlink:to="loc_InvestmentTable.217.9.6" order="2.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentLineItems.236.7.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_PercentageOfInvestmentSecuritiesPortfolioRated.36857.7.6" xlink:href="asrv-20131231.xsd#asrv_PercentageOfInvestmentSecuritiesPortfolioRated" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentLineItems.236.7.6" xlink:to="loc_PercentageOfInvestmentSecuritiesPortfolioRated.36857.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_GainOnSaleOfSecurities.36807.7.6" xlink:href="asrv-20131231.xsd#asrv_GainOnSaleOfSecurities" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentLineItems.236.7.6" xlink:to="loc_GainOnSaleOfSecurities.36807.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LossOnSaleOfSecurities.36835.7.6" xlink:href="asrv-20131231.xsd#asrv_LossOnSaleOfSecurities" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentLineItems.236.7.6" xlink:to="loc_LossOnSaleOfSecurities.36835.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax.13764.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentLineItems.236.7.6" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax.13764.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13760.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentLineItems.236.7.6" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13760.7.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37112.7.6" xlink:href="asrv-20131231.xsd#asrv_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentLineItems.236.7.6" xlink:to="loc_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37112.7.6" order="7.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37113.7.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentLineItems.236.7.6" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37113.7.6" order="8.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.37114.7.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentLineItems.236.7.6" xlink:to="loc_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.37114.7.6" order="9.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CreditRatingStandardPoorsAxis.1277.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CreditRatingStandardPoorsAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_ExternalCreditRatingStandardPoorsMember.1737.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ExternalCreditRatingStandardPoorsMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CreditRatingStandardPoorsAxis.1277.8.6" xlink:to="loc_ExternalCreditRatingStandardPoorsMember.1737.8.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_CreditRatingStandardPoorsAxis.1277.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CreditRatingStandardPoorsAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_ExternalCreditRatingStandardPoorsMember.1737.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ExternalCreditRatingStandardPoorsMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CreditRatingStandardPoorsAxis.1277.6.6" xlink:to="loc_ExternalCreditRatingStandardPoorsMember.1737.6.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtSecurityAxis.1358.8.6" xlink:to="loc_MajorTypesOfDebtSecuritiesDomain.3312.8.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtSecurityAxis.1358.6.6" xlink:to="loc_MajorTypesOfDebtSecuritiesDomain.3312.6.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_ExternalCreditRatingStandardPoorsMember.1737.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ExternalCreditRatingStandardPoorsMember" xlink:type="locator" />
    <link:loc xlink:label="loc_StandardPoorsAAARatingMember.5141.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StandardPoorsAAARatingMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ExternalCreditRatingStandardPoorsMember.1737.7.6" xlink:to="loc_StandardPoorsAAARatingMember.5141.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_StandardPoorsARatingMember.5147.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StandardPoorsARatingMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ExternalCreditRatingStandardPoorsMember.1737.7.6" xlink:to="loc_StandardPoorsARatingMember.5147.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CorporateBondSecuritiesMember.1228.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateBondSecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_CorporateBondSecuritiesMember.1228.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherDebtSecuritiesMember.3820.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherDebtSecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_OtherDebtSecuritiesMember.3820.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesGainOrLossAxis.36809.6.6" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesGainOrLossAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesGainOrLossDomain.36810.6.6" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesGainOrLossDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_GrossInvestmentSecuritiesGainOrLossAxis.36809.6.6" xlink:to="loc_GrossInvestmentSecuritiesGainOrLossDomain.36810.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesGainOrLossAxis.36809.8.6" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesGainOrLossAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesGainOrLossDomain.36810.8.6" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesGainOrLossDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_GrossInvestmentSecuritiesGainOrLossAxis.36809.8.6" xlink:to="loc_GrossInvestmentSecuritiesGainOrLossDomain.36810.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesGainOrLossDomain.36810.7.6" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesGainOrLossDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesGainMember.36808.7.6" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesGainMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_GrossInvestmentSecuritiesGainOrLossDomain.36810.7.6" xlink:to="loc_GrossInvestmentSecuritiesGainMember.36808.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesLossMember.36811.7.6" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesLossMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_GrossInvestmentSecuritiesGainOrLossDomain.36810.7.6" xlink:to="loc_GrossInvestmentSecuritiesLossMember.36811.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40301 - Disclosure - INVESTMENT SECURITIES (Schedule of Cost Basis and Fair Values of Investment Securities) (Details)" xlink:role="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfCostBasisAndFairValuesOfInvestmentSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_InvestmentTable.217.5.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentTable.217.5.6" xlink:to="loc_DebtSecurityAxis.1358.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentLineItems.236.9.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_InvestmentTable.217.9.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentLineItems.236.9.6" xlink:to="loc_InvestmentTable.217.9.6" order="2.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentLineItems.236.7.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InvestmentLineItems.236.7.6" xlink:to="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAmortizedCost.6209.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_AvailableForSaleSecuritiesAmortizedCost.6209.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecurities.6182.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_AvailableForSaleSecurities.6182.7.6" order="80.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecurities.10889.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_HeldToMaturitySecurities.10889.7.6" order="100.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesFairValue.10919.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_HeldToMaturitySecuritiesFairValue.10919.7.6" order="160.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.36778.7.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.36778.7.6" order="70.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.36777.7.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.36777.7.6" order="50.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.36813.7.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.36813.7.6" order="150.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.36812.7.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.7.6" xlink:to="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.36812.7.6" order="130.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtSecurityAxis.1358.6.6" xlink:to="loc_MajorTypesOfDebtSecuritiesDomain.3312.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtSecurityAxis.1358.8.6" xlink:to="loc_MajorTypesOfDebtSecuritiesDomain.3312.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CorporateBondSecuritiesMember.1228.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateBondSecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_CorporateBondSecuritiesMember.1228.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherDebtSecuritiesMember.3820.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherDebtSecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_OtherDebtSecuritiesMember.3820.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TaxableMunicipalBondsMember.5399.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TaxableMunicipalBondsMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.7.6" xlink:to="loc_TaxableMunicipalBondsMember.5399.7.6" order="81.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40402 - Disclosure - LOANS (Narative) (Details)" xlink:role="http://ameriservfinancial.com/role/LoansNarativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_ResidentialSubprimeFinancingReceivableMember.4595.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ResidentialSubprimeFinancingReceivableMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_ResidentialSubprimeFinancingReceivableMember.4595.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableImpairedLineItems.2292.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfImpairedFinancingReceivableTable.4771.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableImpairedLineItems.2292.9.6" xlink:to="loc_ScheduleOfImpairedFinancingReceivableTable.4771.9.6" order="2.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableImpairedLineItems.2292.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_SubPrimeMortgageLoansExposure.36876.7.6" xlink:href="asrv-20131231.xsd#asrv_SubPrimeMortgageLoansExposure" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableImpairedLineItems.2292.7.6" xlink:to="loc_SubPrimeMortgageLoansExposure.36876.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfImpairedFinancingReceivableTable.4771.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfImpairedFinancingReceivableTable.4771.5.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40401 - Disclosure - LOANS (Summary of Loan Portfolio) (Details)" xlink:role="http://ameriservfinancial.com/role/LoansSummaryOfLoanPortfolioDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.9.6" xlink:to="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.9.6" order="1.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.7.6" xlink:to="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialLoanMember.1070.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_CommercialLoanMember.1070.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_CommercialRealEstateMember.1077.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_MortgageLoansOnRealEstateMember.3405.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_ConsumerLoanMember.1175.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.5.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" order="30.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40601 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of Non-performing Assets Including TDR) (Details)" xlink:role="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfNonperformingAssetsIncludingTdrDetails" xlink:type="extended">
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.6.6" xlink:to="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.8.6" xlink:to="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.7.6" xlink:to="loc_CommercialRealEstateMember.1077.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.7.6" xlink:to="loc_MortgageLoansOnRealEstateMember.3405.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CommercialLoanMember.1070.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.7.6" xlink:to="loc_CommercialLoanMember.1070.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_NonperformingAssetIncludingTdrTable.36843.5.6" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetIncludingTdrTable" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NonperformingAssetIncludingTdrTable.36843.5.6" xlink:to="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.7.6" xlink:href="asrv-20131231.xsd#asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.12619.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.7.6" xlink:to="loc_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.12619.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherRealEstate.14060.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherRealEstate" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.7.6" xlink:to="loc_OtherRealEstate.14060.7.6" order="60.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TroubledDebtRestructuringModificationsRecordedInvestment.36882.7.6" xlink:href="asrv-20131231.xsd#asrv_TroubledDebtRestructuringModificationsRecordedInvestment" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.7.6" xlink:to="loc_TroubledDebtRestructuringModificationsRecordedInvestment.36882.7.6" order="80.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubleDebtRestructurings.36847.7.6" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.7.6" xlink:to="loc_NonperformingAssetsIncludingTroubleDebtRestructurings.36847.7.6" order="100.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.12582.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.7.6" xlink:to="loc_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.12582.7.6" order="120.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.10242.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.7.6" xlink:to="loc_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.10242.7.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems.36848.9.6" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_NonperformingAssetIncludingTdrTable.36843.9.6" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetIncludingTdrTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems.36848.9.6" xlink:to="loc_NonperformingAssetIncludingTdrTable.36843.9.6" order="2.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems.36848.7.6" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems.36848.7.6" xlink:to="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40603 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of Recorded Investment of Defaults) (Details)" xlink:role="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfRecordedInvestmentOfDefaultsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_FinancingReceivableModificationsLineItems.2282.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableModificationsLineItems.2282.9.6" xlink:to="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.9.6" order="2.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableModificationsLineItems.2282.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_RecordedInvestmentOfDefaults.36865.7.6" xlink:href="asrv-20131231.xsd#asrv_RecordedInvestmentOfDefaults" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableModificationsLineItems.2282.7.6" xlink:to="loc_RecordedInvestmentOfDefaults.36865.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.6.6" xlink:to="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.8.6" xlink:to="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.7.6" xlink:to="loc_MortgageLoansOnRealEstateMember.3405.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.5.6" xlink:to="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_CommercialLoanReceivableModificationsRecordedInvestment.36784.7.6" xlink:href="asrv-20131231.xsd#asrv_CommercialLoanReceivableModificationsRecordedInvestment" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RecordedInvestmentOfDefaults.36865.7.6" xlink:to="loc_CommercialLoanReceivableModificationsRecordedInvestment.36784.7.6" order="10.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40602 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of TDRs) (Details)" xlink:role="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfTdrsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_FinancingReceivableModificationsLineItems.2282.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableModificationsLineItems.2282.9.6" xlink:to="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.9.6" order="3.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableModificationsLineItems.2282.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract.36883.7.6" xlink:href="asrv-20131231.xsd#asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableModificationsLineItems.2282.7.6" xlink:to="loc_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract.36883.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.6.6" xlink:to="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.8.6" xlink:to="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.7.6" xlink:to="loc_CommercialRealEstateMember.1077.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.7.6" xlink:to="loc_ConsumerLoanMember.1175.7.6" order="21.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableAccrualAndNonaccrualStatusAxis.36805.5.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.5.6" xlink:to="loc_FinancingReceivableAccrualAndNonaccrualStatusAxis.36805.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.5.6" xlink:to="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.5.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableAccrualAndNonaccrualStatusAxis.36805.6.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableAccrualAndNonAccrualStatusDomain.36806.6.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableAccrualAndNonaccrualStatusAxis.36805.6.6" xlink:to="loc_FinancingReceivableAccrualAndNonAccrualStatusDomain.36806.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableAccrualAndNonaccrualStatusAxis.36805.8.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableAccrualAndNonAccrualStatusDomain.36806.8.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableAccrualAndNonaccrualStatusAxis.36805.8.6" xlink:to="loc_FinancingReceivableAccrualAndNonAccrualStatusDomain.36806.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableAccrualAndNonAccrualStatusDomain.36806.7.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_LoansInAccrualStatusMember.36832.7.6" xlink:href="asrv-20131231.xsd#asrv_LoansInAccrualStatusMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableAccrualAndNonAccrualStatusDomain.36806.7.6" xlink:to="loc_LoansInAccrualStatusMember.36832.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansInNonAccrualStatusMember.36833.7.6" xlink:href="asrv-20131231.xsd#asrv_LoansInNonAccrualStatusMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableAccrualAndNonAccrualStatusDomain.36806.7.6" xlink:to="loc_LoansInNonAccrualStatusMember.36833.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.10257.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract.36883.7.6" xlink:to="loc_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.10257.7.6" order="60.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableModificationsNumberOfContracts2.10252.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts2" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract.36883.7.6" xlink:to="loc_FinancingReceivableModificationsNumberOfContracts2.10252.7.6" order="12.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableModificationsPostModificationRecordedInvestment2.10253.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract.36883.7.6" xlink:to="loc_FinancingReceivableModificationsPostModificationRecordedInvestment2.10253.7.6" order="37.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41701 - Disclosure - PREFERRED STOCK (Schedule of Preferred Dividend Stock Period Annualized) (Details)" xlink:role="http://ameriservfinancial.com/role/PreferredStockScheduleOfPreferredDividendStockPeriodAnnualizedDetails" xlink:type="extended">
    <link:loc xlink:label="loc_ClassOfStockDomain.1024.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_SeriesEPreferredStockMember.5025.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SeriesEPreferredStockMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ClassOfStockDomain.1024.7.6" xlink:to="loc_SeriesEPreferredStockMember.5025.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeAxis.4365.6.6" xlink:to="loc_RangeMember.4366.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeAxis.4365.8.6" xlink:to="loc_RangeMember.4366.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeMember.4366.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:loc xlink:label="loc_MinimumMember.3382.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MinimumMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeMember.4366.7.6" xlink:to="loc_MinimumMember.3382.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MaximumMember.3373.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaximumMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeMember.4366.7.6" xlink:to="loc_MaximumMember.3373.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementClassOfStockAxis.5173.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_ClassOfStockDomain.1024.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementClassOfStockAxis.5173.6.6" xlink:to="loc_ClassOfStockDomain.1024.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementClassOfStockAxis.5173.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_ClassOfStockDomain.1024.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementClassOfStockAxis.5173.8.6" xlink:to="loc_ClassOfStockDomain.1024.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_DividendRateOfPreferredStockAxis.36795.6.6" xlink:href="asrv-20131231.xsd#asrv_DividendRateOfPreferredStockAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DividendRateOfPreferredStockDomain.36796.6.6" xlink:href="asrv-20131231.xsd#asrv_DividendRateOfPreferredStockDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DividendRateOfPreferredStockAxis.36795.6.6" xlink:to="loc_DividendRateOfPreferredStockDomain.36796.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DividendRateOfPreferredStockAxis.36795.8.6" xlink:href="asrv-20131231.xsd#asrv_DividendRateOfPreferredStockAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DividendRateOfPreferredStockDomain.36796.8.6" xlink:href="asrv-20131231.xsd#asrv_DividendRateOfPreferredStockDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DividendRateOfPreferredStockAxis.36795.8.6" xlink:to="loc_DividendRateOfPreferredStockDomain.36796.8.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_DividendRateOfPreferredStockDomain.36796.7.6" xlink:href="asrv-20131231.xsd#asrv_DividendRateOfPreferredStockDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_TermOneMember.36878.7.6" xlink:href="asrv-20131231.xsd#asrv_TermOneMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DividendRateOfPreferredStockDomain.36796.7.6" xlink:to="loc_TermOneMember.36878.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TermTwoMember.36880.7.6" xlink:href="asrv-20131231.xsd#asrv_TermTwoMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DividendRateOfPreferredStockDomain.36796.7.6" xlink:to="loc_TermTwoMember.36880.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TermThreeMember.36879.7.6" xlink:href="asrv-20131231.xsd#asrv_TermThreeMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DividendRateOfPreferredStockDomain.36796.7.6" xlink:to="loc_TermThreeMember.36879.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TermFourMember.36877.7.6" xlink:href="asrv-20131231.xsd#asrv_TermFourMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DividendRateOfPreferredStockDomain.36796.7.6" xlink:to="loc_TermFourMember.36877.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PreferredStockLineItems.36861.9.6" xlink:href="asrv-20131231.xsd#asrv_PreferredStockLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_PreferredStockTable.36862.9.6" xlink:href="asrv-20131231.xsd#asrv_PreferredStockTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PreferredStockLineItems.36861.9.6" xlink:to="loc_PreferredStockTable.36862.9.6" order="3.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_PreferredStockLineItems.36861.7.6" xlink:href="asrv-20131231.xsd#asrv_PreferredStockLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DividendAnnualizedPeriod.36794.7.6" xlink:href="asrv-20131231.xsd#asrv_DividendAnnualizedPeriod" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PreferredStockLineItems.36861.7.6" xlink:to="loc_DividendAnnualizedPeriod.36794.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PreferredStockDividendRatePercentage.14679.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockDividendRatePercentage" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PreferredStockLineItems.36861.7.6" xlink:to="loc_PreferredStockDividendRatePercentage.14679.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_Redemption.36866.7.6" xlink:href="asrv-20131231.xsd#asrv_Redemption" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PreferredStockLineItems.36861.7.6" xlink:to="loc_Redemption.36866.7.6" order="21.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PreferredStockTable.36862.5.6" xlink:href="asrv-20131231.xsd#asrv_PreferredStockTable" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeAxis.4365.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PreferredStockTable.36862.5.6" xlink:to="loc_RangeAxis.4365.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementClassOfStockAxis.5173.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PreferredStockTable.36862.5.6" xlink:to="loc_StatementClassOfStockAxis.5173.5.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_DividendRateOfPreferredStockAxis.36795.5.6" xlink:href="asrv-20131231.xsd#asrv_DividendRateOfPreferredStockAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PreferredStockTable.36862.5.6" xlink:to="loc_DividendRateOfPreferredStockAxis.36795.5.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="42301 - Disclosure - REGULATORY CAPITAL (Details)" xlink:role="http://ameriservfinancial.com/role/RegulatoryCapitalDetails" xlink:type="extended">
    <link:loc xlink:label="loc_EntityDomain.99.7.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_ConsolidatedEntitiesMember.1153.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsolidatedEntitiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_EntityDomain.99.7.6" xlink:to="loc_ConsolidatedEntitiesMember.1153.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AmeriservFinancialBankMember.36765.7.6" xlink:href="asrv-20131231.xsd#asrv_AmeriservFinancialBankMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_EntityDomain.99.7.6" xlink:to="loc_AmeriservFinancialBankMember.36765.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LegalEntityAxis.136.6.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_EntityDomain.99.6.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LegalEntityAxis.136.6.6" xlink:to="loc_EntityDomain.99.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_LegalEntityAxis.136.8.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_EntityDomain.99.8.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LegalEntityAxis.136.8.6" xlink:to="loc_EntityDomain.99.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems.1109.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_RegulatoryCapitalTable.36868.9.6" xlink:href="asrv-20131231.xsd#asrv_RegulatoryCapitalTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems.1109.9.6" xlink:to="loc_RegulatoryCapitalTable.36868.9.6" order="2.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems.1109.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems.1109.7.6" xlink:to="loc_TierOneLeverageCapitalAbstract.5312.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_Capital.6658.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Capital" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:to="loc_Capital.6658.7.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CapitalToRiskWeightedAssets.6738.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalToRiskWeightedAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:to="loc_CapitalToRiskWeightedAssets.6738.7.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CapitalRequiredForCapitalAdequacy.6730.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacy" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:to="loc_CapitalRequiredForCapitalAdequacy.6730.7.6" order="60.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.6729.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:to="loc_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.6729.7.6" order="80.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.6724.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:to="loc_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.6724.7.6" order="120.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CapitalRequiredToBeWellCapitalized.6733.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalized" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:to="loc_CapitalRequiredToBeWellCapitalized.6733.7.6" order="100.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TierOneRiskBasedCapital.17529.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapital" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:to="loc_TierOneRiskBasedCapital.17529.7.6" order="140.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalToRiskWeightedAssets.17531.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:to="loc_TierOneRiskBasedCapitalToRiskWeightedAssets.17531.7.6" order="160.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacy.17534.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:to="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacy.17534.7.6" order="180.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.17537.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:to="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.17537.7.6" order="200.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalized.17538.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:to="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalized.17538.7.6" order="220.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.17532.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:to="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.17532.7.6" order="240.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TierOneLeverageCapital.17530.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapital" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:to="loc_TierOneLeverageCapital.17530.7.6" order="260.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TierOneLeverageCapitalToAverageAssets.17528.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:to="loc_TierOneLeverageCapitalToAverageAssets.17528.7.6" order="280.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredForCapitalAdequacy.17533.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:to="loc_TierOneLeverageCapitalRequiredForCapitalAdequacy.17533.7.6" order="300.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.17536.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:to="loc_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.17536.7.6" order="320.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredToBeWellCapitalized.17535.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:to="loc_TierOneLeverageCapitalRequiredToBeWellCapitalized.17535.7.6" order="340.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.17526.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.7.6" xlink:to="loc_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.17526.7.6" order="360.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_RegulatoryCapitalTable.36868.5.6" xlink:href="asrv-20131231.xsd#asrv_RegulatoryCapitalTable" xlink:type="locator" />
    <link:loc xlink:label="loc_LegalEntityAxis.136.5.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RegulatoryCapitalTable.36868.5.6" xlink:to="loc_LegalEntityAxis.136.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="006 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY" xlink:role="http://ameriservfinancial.com/role/ConsolidatedStatementsOfChangesInStockholdersEquity" xlink:type="extended">
    <link:loc xlink:label="loc_EquityComponentDomain.1873.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PreferredStockMember.4097.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_EquityComponentDomain.1873.7.6" xlink:to="loc_PreferredStockMember.4097.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CommonStockMember.1087.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_EquityComponentDomain.1873.7.6" xlink:to="loc_CommonStockMember.1087.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TreasuryStockMember.5367.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TreasuryStockMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_EquityComponentDomain.1873.7.6" xlink:to="loc_TreasuryStockMember.5367.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AdditionalPaidInCapitalMember.485.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdditionalPaidInCapitalMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_EquityComponentDomain.1873.7.6" xlink:to="loc_AdditionalPaidInCapitalMember.485.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_RetainedEarningsMember.4652.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RetainedEarningsMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_EquityComponentDomain.1873.7.6" xlink:to="loc_RetainedEarningsMember.4652.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeMember.466.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_EquityComponentDomain.1873.7.6" xlink:to="loc_AccumulatedOtherComprehensiveIncomeMember.466.7.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementTable.5163.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementTable" xlink:type="locator" />
    <link:loc xlink:label="loc_StatementEquityComponentsAxis.5169.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementTable.5163.5.6" xlink:to="loc_StatementEquityComponentsAxis.5169.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementLineItems.5164.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_StockholdersEquity.17302.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementLineItems.5164.7.6" xlink:to="loc_StockholdersEquity.17302.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_NetIncomeLoss.13265.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementLineItems.5164.7.6" xlink:to="loc_NetIncomeLoss.13265.7.6" order="1.10000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_WarrantRepurchase.36885.7.6" xlink:href="asrv-20131231.xsd#asrv_WarrantRepurchase" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementLineItems.5164.7.6" xlink:to="loc_WarrantRepurchase.36885.7.6" order="1.20000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_StockIssuedDuringPeriodValueDividendReinvestmentPlan.17216.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementLineItems.5164.7.6" xlink:to="loc_StockIssuedDuringPeriodValueDividendReinvestmentPlan.17216.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.5843.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementLineItems.5164.7.6" xlink:to="loc_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.5843.7.6" order="3.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TreasuryStockValueAcquiredCostMethod.17702.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementLineItems.5164.7.6" xlink:to="loc_TreasuryStockValueAcquiredCostMethod.17702.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DividendsPreferredStockCash.9002.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendsPreferredStockCash" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementLineItems.5164.7.6" xlink:to="loc_DividendsPreferredStockCash.9002.7.6" order="8.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementLineItems.5164.7.6" xlink:to="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.7.6" order="9.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementLineItems.5164.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_StatementTable.5163.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementLineItems.5164.9.6" xlink:to="loc_StatementTable.5163.9.6" order="10.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_AccretionOfRedemptionDiscount.37656.7.6" xlink:href="asrv-20131231.xsd#asrv_AccretionOfRedemptionDiscount" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementLineItems.5164.7.6" xlink:to="loc_AccretionOfRedemptionDiscount.37656.7.6" order="2.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DividendsCommonStockCash.9006.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendsCommonStockCash" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementLineItems.5164.7.6" xlink:to="loc_DividendsCommonStockCash.9006.7.6" order="6.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementEquityComponentsAxis.5169.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_EquityComponentDomain.1873.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementEquityComponentsAxis.5169.6.6" xlink:to="loc_EquityComponentDomain.1873.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementEquityComponentsAxis.5169.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_EquityComponentDomain.1873.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementEquityComponentsAxis.5169.8.6" xlink:to="loc_EquityComponentDomain.1873.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40101 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems.581.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount.6016.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems.581.7.6" xlink:to="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount.6016.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.16947.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems.581.7.6" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.16947.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_RepurchaseOfWarrantsShares.36886.7.6" xlink:href="asrv-20131231.xsd#asrv_RepurchaseOfWarrantsShares" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems.581.7.6" xlink:to="loc_RepurchaseOfWarrantsShares.36886.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems.581.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable.4777.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems.581.9.6" xlink:to="loc_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable.4777.9.6" order="4.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesLineItems.2284.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.36896.7.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesLineItems.2284.7.6" xlink:to="loc_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.36896.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment.36897.7.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesLineItems.2284.7.6" xlink:to="loc_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment.36897.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesLineItems.2284.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesLineItems.2284.9.6" xlink:to="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.9.6" order="3.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialPortfolioSegmentMember.1071.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialPortfolioSegmentMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_CommercialPortfolioSegmentMember.1071.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_SmallBusinessLoansMember.36898.7.6" xlink:href="asrv-20131231.xsd#asrv_SmallBusinessLoansMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.7.6" xlink:to="loc_SmallBusinessLoansMember.36898.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.6.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.8.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentAxis.2889.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InternalCreditAssessmentAxis.2889.6.6" xlink:to="loc_InternalCreditAssessmentDomain.2890.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentAxis.2889.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InternalCreditAssessmentAxis.2889.8.6" xlink:to="loc_InternalCreditAssessmentDomain.2890.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_DoubtfulMember.1326.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DoubtfulMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_InternalCreditAssessmentDomain.2890.7.6" xlink:to="loc_DoubtfulMember.1326.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentTypeDomain.4268.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_BuildingMember.743.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BuildingMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PropertyPlantAndEquipmentTypeDomain.4268.7.6" xlink:to="loc_BuildingMember.743.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_EquipmentMember.1853.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquipmentMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PropertyPlantAndEquipmentTypeDomain.4268.7.6" xlink:to="loc_EquipmentMember.1853.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentByTypeAxis.4272.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentTypeDomain.4268.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PropertyPlantAndEquipmentByTypeAxis.4272.6.6" xlink:to="loc_PropertyPlantAndEquipmentTypeDomain.4268.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentByTypeAxis.4272.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentTypeDomain.4268.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PropertyPlantAndEquipmentByTypeAxis.4272.8.6" xlink:to="loc_PropertyPlantAndEquipmentTypeDomain.4268.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentLineItems.4280.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentUsefulLife.15201.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PropertyPlantAndEquipmentLineItems.4280.7.6" xlink:to="loc_PropertyPlantAndEquipmentUsefulLife.15201.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentLineItems.4280.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PropertyPlantAndEquipmentLineItems.4280.9.6" xlink:to="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.9.6" order="2.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeAxis.4365.6.6" xlink:to="loc_RangeMember.4366.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeAxis.4365.8.6" xlink:to="loc_RangeMember.4366.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeMember.4366.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:loc xlink:label="loc_MinimumMember.3382.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MinimumMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeMember.4366.7.6" xlink:to="loc_MinimumMember.3382.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MaximumMember.3373.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaximumMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeMember.4366.7.6" xlink:to="loc_MaximumMember.3373.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable.4777.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeAxis.4365.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable.4777.5.6" xlink:to="loc_RangeAxis.4365.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.5.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.5.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentAxis.2889.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.5.6" xlink:to="loc_InternalCreditAssessmentAxis.2889.5.6" order="1.25000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:type="locator" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentByTypeAxis.4272.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.5.6" xlink:to="loc_PropertyPlantAndEquipmentByTypeAxis.4272.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40701 - Disclosure - PREMISES AND EQUIPMENT (Details)" xlink:role="http://ameriservfinancial.com/role/PremisesAndEquipmentDetails" xlink:type="extended">
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentTypeDomain.4268.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_LandMember.3026.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LandMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PropertyPlantAndEquipmentTypeDomain.4268.7.6" xlink:to="loc_LandMember.3026.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_BuildingMember.743.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BuildingMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PropertyPlantAndEquipmentTypeDomain.4268.7.6" xlink:to="loc_BuildingMember.743.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LeaseholdImprovementsMember.3031.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LeaseholdImprovementsMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PropertyPlantAndEquipmentTypeDomain.4268.7.6" xlink:to="loc_LeaseholdImprovementsMember.3031.7.6" order="4.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FurnitureAndFixturesMember.2394.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FurnitureAndFixturesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PropertyPlantAndEquipmentTypeDomain.4268.7.6" xlink:to="loc_FurnitureAndFixturesMember.2394.7.6" order="3.75000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentByTypeAxis.4272.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentTypeDomain.4268.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PropertyPlantAndEquipmentByTypeAxis.4272.6.6" xlink:to="loc_PropertyPlantAndEquipmentTypeDomain.4268.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentByTypeAxis.4272.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentTypeDomain.4268.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PropertyPlantAndEquipmentByTypeAxis.4272.8.6" xlink:to="loc_PropertyPlantAndEquipmentTypeDomain.4268.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentLineItems.4280.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentGross.15204.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PropertyPlantAndEquipmentLineItems.4280.7.6" xlink:to="loc_PropertyPlantAndEquipmentGross.15204.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.5779.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PropertyPlantAndEquipmentLineItems.4280.7.6" xlink:to="loc_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.5779.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentNet.15211.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PropertyPlantAndEquipmentLineItems.4280.7.6" xlink:to="loc_PropertyPlantAndEquipmentNet.15211.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_Depreciation.8347.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Depreciation" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PropertyPlantAndEquipmentLineItems.4280.7.6" xlink:to="loc_Depreciation.8347.7.6" order="7.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentLineItems.4280.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PropertyPlantAndEquipmentLineItems.4280.9.6" xlink:to="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.9.6" order="8.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:type="locator" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentByTypeAxis.4272.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.5.6" xlink:to="loc_PropertyPlantAndEquipmentByTypeAxis.4272.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="40901 - Disclosure - SHORT-TERM BORROWINGS (Details)" xlink:role="http://ameriservfinancial.com/role/ShorttermBorrowingsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_ScheduleOfShortTermDebtTable.4903.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShortTermDebtTable" xlink:type="locator" />
    <link:loc xlink:label="loc_ShortTermDebtTypeAxis.5106.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtTypeAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfShortTermDebtTable.4903.5.6" xlink:to="loc_ShortTermDebtTypeAxis.5106.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_ShortTermDebtLineItems.5104.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ShortTermBorrowings.17069.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShortTermDebtLineItems.5104.7.6" xlink:to="loc_ShortTermBorrowings.17069.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ShorttermDebtMaximumMonthendOutstandingAmount.16225.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShortTermDebtLineItems.5104.7.6" xlink:to="loc_ShorttermDebtMaximumMonthendOutstandingAmount.16225.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ShorttermDebtAverageOutstandingAmount.16227.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShorttermDebtAverageOutstandingAmount" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShortTermDebtLineItems.5104.7.6" xlink:to="loc_ShorttermDebtAverageOutstandingAmount.16227.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtInstrumentInterestRateDuringPeriod.7760.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentInterestRateDuringPeriod" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShortTermDebtLineItems.5104.7.6" xlink:to="loc_DebtInstrumentInterestRateDuringPeriod.7760.7.6" order="3.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ShortTermDebtWeightedAverageInterestRate.17080.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtWeightedAverageInterestRate" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShortTermDebtLineItems.5104.7.6" xlink:to="loc_ShortTermDebtWeightedAverageInterestRate.17080.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ShortTermDebtInstrumentWeightedAverageTerm.36908.7.6" xlink:href="asrv-20131231.xsd#asrv_ShortTermDebtInstrumentWeightedAverageTerm" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShortTermDebtLineItems.5104.7.6" xlink:to="loc_ShortTermDebtInstrumentWeightedAverageTerm.36908.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ShortTermDebtLineItems.5104.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfShortTermDebtTable.4903.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShortTermDebtTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShortTermDebtLineItems.5104.9.6" xlink:to="loc_ScheduleOfShortTermDebtTable.4903.9.6" order="6.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_ShortTermDebtTypeDomain.5105.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtTypeDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_FederalFundsPurchasedMember.2202.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalFundsPurchasedMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShortTermDebtTypeDomain.5105.7.6" xlink:to="loc_FederalFundsPurchasedMember.2202.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ShortTermDebtExcludingFederalFundsPurchasedMember.36909.7.6" xlink:href="asrv-20131231.xsd#asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShortTermDebtTypeDomain.5105.7.6" xlink:to="loc_ShortTermDebtExcludingFederalFundsPurchasedMember.36909.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ShortTermDebtTypeAxis.5106.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtTypeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_ShortTermDebtTypeDomain.5105.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtTypeDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShortTermDebtTypeAxis.5106.6.6" xlink:to="loc_ShortTermDebtTypeDomain.5105.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_ShortTermDebtTypeAxis.5106.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtTypeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_ShortTermDebtTypeDomain.5105.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtTypeDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShortTermDebtTypeAxis.5106.8.6" xlink:to="loc_ShortTermDebtTypeDomain.5105.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41002 - Disclosure - ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DebtInstrumentLineItems.1342.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DebtInstrumentFaceAmount.7642.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentFaceAmount" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtInstrumentLineItems.1342.7.6" xlink:to="loc_DebtInstrumentFaceAmount.7642.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtInstrumentInterestRateStatedPercentage.7726.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtInstrumentLineItems.1342.7.6" xlink:to="loc_DebtInstrumentInterestRateStatedPercentage.7726.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtInstrumentCallDateEarliest.7672.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentCallDateEarliest" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtInstrumentLineItems.1342.7.6" xlink:to="loc_DebtInstrumentCallDateEarliest.7672.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DeferredFinanceCostsNet.7864.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredFinanceCostsNet" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtInstrumentLineItems.1342.7.6" xlink:to="loc_DeferredFinanceCostsNet.7864.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_EarlyRepaymentOfSubordinatedDebt.9067.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarlyRepaymentOfSubordinatedDebt" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtInstrumentLineItems.1342.7.6" xlink:to="loc_EarlyRepaymentOfSubordinatedDebt.9067.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_JuniorSubordinatedNotes.12033.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_JuniorSubordinatedNotes" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtInstrumentLineItems.1342.7.6" xlink:to="loc_JuniorSubordinatedNotes.12033.7.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtInstrumentLineItems.1342.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DebtInstrumentTable.1343.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtInstrumentLineItems.1342.9.6" xlink:to="loc_DebtInstrumentTable.1343.9.6" order="7.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtInstrumentMaturityDate.7758.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentMaturityDate" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtInstrumentLineItems.1342.7.6" xlink:to="loc_DebtInstrumentMaturityDate.7758.7.6" order="2.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtInstrumentTable.1343.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DebtInstrumentAxis.1361.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtInstrumentTable.1343.5.6" xlink:to="loc_DebtInstrumentAxis.1361.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtInstrumentAxis.1361.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DebtInstrumentNameDomain.1363.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtInstrumentAxis.1361.6.6" xlink:to="loc_DebtInstrumentNameDomain.1363.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtInstrumentAxis.1361.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DebtInstrumentNameDomain.1363.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtInstrumentAxis.1361.8.6" xlink:to="loc_DebtInstrumentNameDomain.1363.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtInstrumentNameDomain.1363.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember.36912.7.6" xlink:href="asrv-20131231.xsd#asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DebtInstrumentNameDomain.1363.7.6" xlink:to="loc_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember.36912.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41103 - Disclosure - DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_FairValueByMeasurementFrequencyAxis.1988.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementFrequencyDomain.2021.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueByMeasurementFrequencyAxis.1988.6.6" xlink:to="loc_FairValueMeasurementFrequencyDomain.2021.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByMeasurementFrequencyAxis.1988.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementFrequencyDomain.2021.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueByMeasurementFrequencyAxis.1988.8.6" xlink:to="loc_FairValueMeasurementFrequencyDomain.2021.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueByMeasurementFrequencyAxis.1988.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.5.6" xlink:to="loc_FairValueByMeasurementFrequencyAxis.1988.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueMeasurementFrequencyDomain.2021.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementsNonrecurringMember.2056.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsNonrecurringMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueMeasurementFrequencyDomain.2021.7.6" xlink:to="loc_FairValueMeasurementsNonrecurringMember.2056.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems.2051.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems.2051.9.6" xlink:to="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.9.6" order="3.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems.2051.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ReceivablesFairValueDisclosure.15563.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivablesFairValueDisclosure" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems.2051.7.6" xlink:to="loc_ReceivablesFairValueDisclosure.15563.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRecordedInvestment.10996.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems.2051.7.6" xlink:to="loc_ImpairedFinancingReceivableRecordedInvestment.10996.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRelatedAllowance.10998.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems.2051.7.6" xlink:to="loc_ImpairedFinancingReceivableRelatedAllowance.10998.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41401 - Disclosure - EMPLOYEE BENEFIT PLANS (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.36916.7.6" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.36916.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanVestingPeriod.36917.7.6" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanVestingPeriod" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanVestingPeriod.36917.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.8163.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.8163.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.36918.7.6" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.36918.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.8106.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.8106.7.6" order="8.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.8128.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.8128.7.6" order="9.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanTargetPlanAssetAllocations.8172.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanTargetPlanAssetAllocations" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanTargetPlanAssetAllocations.8172.7.6" order="10.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.8115.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.8115.7.6" order="11.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.8136.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.8136.7.6" order="12.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" order="13.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanFutureAmortizationOfGainLoss.8152.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanFutureAmortizationOfGainLoss.8152.7.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.8151.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.8151.7.6" order="7.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear.8083.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear.8083.7.6" order="14.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.37134.7.6" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.37134.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_PlanAssetCategoriesDomain.4030.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PlanAssetCategoriesDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.6.6" xlink:to="loc_PlanAssetCategoriesDomain.4030.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_PlanAssetCategoriesDomain.4030.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PlanAssetCategoriesDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.8.6" xlink:to="loc_PlanAssetCategoriesDomain.4030.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_PlanAssetCategoriesDomain.4030.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PlanAssetCategoriesDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_EquitySecuritiesMember.1886.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquitySecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PlanAssetCategoriesDomain.4030.7.6" xlink:to="loc_EquitySecuritiesMember.1886.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtSecuritiesMember.1364.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PlanAssetCategoriesDomain.4030.7.6" xlink:to="loc_DebtSecuritiesMember.1364.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.5.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41402 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Changes in Benefit Obligations and Plan Assets and Funded Status) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfChangesInBenefitObligationsAndPlanAssetsAndFundedStatusDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitObligation.8096.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitObligation" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.7.6" xlink:to="loc_DefinedBenefitPlanBenefitObligation.8096.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanServiceCost.8191.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanServiceCost" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.7.6" xlink:to="loc_DefinedBenefitPlanServiceCost.8191.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanInterestCost.8212.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanInterestCost" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.7.6" xlink:to="loc_DefinedBenefitPlanInterestCost.8212.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanActuarialGainLoss.8119.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanActuarialGainLoss" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.7.6" xlink:to="loc_DefinedBenefitPlanActuarialGainLoss.8119.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanFundedStatusOfPlan.8199.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFundedStatusOfPlan" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanFundedStatusOfPlan.8199.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" order="4.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.7.6" xlink:to="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanActualReturnOnPlanAssets.8157.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.7.6" xlink:to="loc_DefinedBenefitPlanActualReturnOnPlanAssets.8157.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanContributionsByEmployer.8217.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.7.6" xlink:to="loc_DefinedBenefitPlanContributionsByEmployer.8217.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitsPaid.8167.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitsPaid" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.7.6" xlink:to="loc_DefinedBenefitPlanBenefitsPaid.8167.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41403 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Amounts Not Yet Recognized as a Component of Net Periodic Pension Cost) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAmountsNotYetRecognizedAsComponentOfNetPeriodicPensionCostDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.1482.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax.8150.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.1482.7.6" xlink:to="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax.8150.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.8173.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.1482.7.6" xlink:to="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.8173.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax.8107.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.1482.7.6" xlink:to="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax.8107.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.8082.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.1482.7.6" xlink:to="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.8082.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" order="4.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.1482.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41404 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Accumulated Benefit Obligation) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAccumulatedBenefitObligationDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" order="4.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedBenefitObligation.8169.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanAccumulatedBenefitObligation.8169.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41405 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Weighted Average Assumptions Used to Determine Benefit Obligations) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfWeightedAverageAssumptionsUsedToDetermineBenefitObligationsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" order="4.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.1504.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.1504.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.8123.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.1504.7.6" xlink:to="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.8123.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.8160.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.1504.7.6" xlink:to="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.8160.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41406 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Components of Net Periodic Benefit Cost) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfComponentsOfNetPeriodicBenefitCostDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" order="4.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanServiceCost.8191.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanServiceCost" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.7.6" xlink:to="loc_DefinedBenefitPlanServiceCost.8191.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanInterestCost.8212.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanInterestCost" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.7.6" xlink:to="loc_DefinedBenefitPlanInterestCost.8212.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedReturnOnPlanAssets.8235.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.7.6" xlink:to="loc_DefinedBenefitPlanExpectedReturnOnPlanAssets.8235.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit.8099.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.7.6" xlink:to="loc_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit.8099.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets.8156.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.7.6" xlink:to="loc_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets.8156.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfGainsLosses.8134.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.7.6" xlink:to="loc_DefinedBenefitPlanAmortizationOfGainsLosses.8134.7.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanNetPeriodicBenefitCost.8223.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.7.6" xlink:to="loc_DefinedBenefitPlanNetPeriodicBenefitCost.8223.7.6" order="7.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41407 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Other Changes in Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income (Loss)) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfOtherChangesInPlanAssetsAndBenefitObligationsRecognizedInOtherComprehensiveIncomeLossDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" order="4.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax.6004.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax.6004.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax.13816.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.7.6" xlink:to="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax.13816.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.13724.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.7.6" xlink:to="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.13724.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.13723.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.7.6" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.13723.7.6" order="2.75000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.13799.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.7.6" xlink:to="loc_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.13799.7.6" order="3.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.13678.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.7.6" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.13678.7.6" order="4.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41408 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Weighted Average Assumptions Used to Determine Net Periodic Benefit Cost) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfWeightedAverageAssumptionsUsedToDetermineNetPeriodicBenefitCostDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" order="4.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.1512.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.1512.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.8139.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.1512.7.6" xlink:to="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.8139.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.8128.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.1512.7.6" xlink:to="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.8128.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.8170.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.1512.7.6" xlink:to="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.8170.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41409 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Plan's Asset Allocations) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfPlansAssetAllocationsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" order="4.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1497.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1497.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanWeightedAverageAssetAllocations.8258.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1497.7.6" xlink:to="loc_DefinedBenefitPlanWeightedAverageAssetAllocations.8258.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_PlanAssetCategoriesDomain.4030.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PlanAssetCategoriesDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.6.6" xlink:to="loc_PlanAssetCategoriesDomain.4030.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_PlanAssetCategoriesDomain.4030.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PlanAssetCategoriesDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.8.6" xlink:to="loc_PlanAssetCategoriesDomain.4030.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_PlanAssetCategoriesDomain.4030.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PlanAssetCategoriesDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsMember.941.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PlanAssetCategoriesDomain.4030.7.6" xlink:to="loc_CashAndCashEquivalentsMember.941.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_EquitySecuritiesMember.1886.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquitySecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PlanAssetCategoriesDomain.4030.7.6" xlink:to="loc_EquitySecuritiesMember.1886.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ExchangeTradedFundsMember.1913.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ExchangeTradedFundsMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PlanAssetCategoriesDomain.4030.7.6" xlink:to="loc_ExchangeTradedFundsMember.1913.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CorporateDebtSecuritiesMember.1234.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateDebtSecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PlanAssetCategoriesDomain.4030.7.6" xlink:to="loc_CorporateDebtSecuritiesMember.1234.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AmeriservFinancialIncCommonStockMember.36921.7.6" xlink:href="asrv-20131231.xsd#asrv_AmeriservFinancialIncCommonStockMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PlanAssetCategoriesDomain.4030.7.6" xlink:to="loc_AmeriservFinancialIncCommonStockMember.36921.7.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_InternationalEquitySecuritiesMember.36922.7.6" xlink:href="asrv-20131231.xsd#asrv_InternationalEquitySecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PlanAssetCategoriesDomain.4030.7.6" xlink:to="loc_InternationalEquitySecuritiesMember.36922.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.5.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41410 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Assets Measured at Fair Value) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAssetsMeasuredAtFairValueDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" order="4.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1497.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1497.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1497.7.6" xlink:to="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_PlanAssetCategoriesDomain.4030.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PlanAssetCategoriesDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.6.6" xlink:to="loc_PlanAssetCategoriesDomain.4030.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_PlanAssetCategoriesDomain.4030.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PlanAssetCategoriesDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.8.6" xlink:to="loc_PlanAssetCategoriesDomain.4030.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueByFairValueHierarchyLevelAxis.1998.6.6" xlink:to="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueByFairValueHierarchyLevelAxis.1998.8.6" xlink:to="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueInputsLevel1Member.2138.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.7.6" xlink:to="loc_FairValueInputsLevel1Member.2138.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueInputsLevel2Member.2139.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.7.6" xlink:to="loc_FairValueInputsLevel2Member.2139.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PlanAssetCategoriesDomain.4030.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PlanAssetCategoriesDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsMember.941.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PlanAssetCategoriesDomain.4030.7.6" xlink:to="loc_CashAndCashEquivalentsMember.941.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_EquitySecuritiesMember.1886.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquitySecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PlanAssetCategoriesDomain.4030.7.6" xlink:to="loc_EquitySecuritiesMember.1886.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ExchangeTradedFundsMember.1913.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ExchangeTradedFundsMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PlanAssetCategoriesDomain.4030.7.6" xlink:to="loc_ExchangeTradedFundsMember.1913.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CorporateDebtSecuritiesMember.1234.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateDebtSecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PlanAssetCategoriesDomain.4030.7.6" xlink:to="loc_CorporateDebtSecuritiesMember.1234.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_USTreasuryAndGovernmentMember.5486.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USTreasuryAndGovernmentMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PlanAssetCategoriesDomain.4030.7.6" xlink:to="loc_USTreasuryAndGovernmentMember.5486.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_InternationalEquitySecuritiesMember.36922.7.6" xlink:href="asrv-20131231.xsd#asrv_InternationalEquitySecuritiesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_PlanAssetCategoriesDomain.4030.7.6" xlink:to="loc_InternationalEquitySecuritiesMember.36922.7.6" order="3.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.5.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_FairValueByFairValueHierarchyLevelAxis.1998.5.6" order="1.75000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41411 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Estimated Future Benefit Payments) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfEstimatedFutureBenefitPaymentsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.9.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.9.6" order="4.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.7.6" xlink:to="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.8155.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.7.6" xlink:to="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.8155.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.8122.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.7.6" xlink:to="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.8122.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.8095.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.7.6" xlink:to="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.8095.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.8144.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.7.6" xlink:to="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.8144.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.8126.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.7.6" xlink:to="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.8126.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.8174.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.7.6" xlink:to="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.8174.7.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDomain.1509.7.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.6.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.8.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.5.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41801 - Disclosure - STOCK COMPENSATION PLANS (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/StockCompensationPlansNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable.4894.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable" xlink:type="locator" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis.5083.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable.4894.5.6" xlink:to="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis.5083.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions.17018.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.7.6" xlink:to="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions.17018.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions.17016.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.7.6" xlink:to="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions.17016.7.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit.17007.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.7.6" xlink:to="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit.17007.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit.17024.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.7.6" xlink:to="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit.17024.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1.16196.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.7.6" xlink:to="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1.16196.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1.16205.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.7.6" xlink:to="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1.16205.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2.16200.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.7.6" xlink:to="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2.16200.7.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2.16220.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.7.6" xlink:to="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2.16220.7.6" order="7.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable.4894.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.9.6" xlink:to="loc_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable.4894.9.6" order="8.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis.5083.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain.5084.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis.5083.6.6" xlink:to="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain.5084.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis.5083.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain.5084.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis.5083.8.6" xlink:to="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain.5084.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain.5084.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeOneMember.36924.7.6" xlink:href="asrv-20131231.xsd#asrv_RangeOneMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain.5084.7.6" xlink:to="loc_RangeOneMember.36924.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeTwoMember.36925.7.6" xlink:href="asrv-20131231.xsd#asrv_RangeTwoMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain.5084.7.6" xlink:to="loc_RangeTwoMember.36925.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41803 - Disclosure - STOCK COMPENSATION PLANS (Schedule of Assumptions) (Details)" xlink:role="http://ameriservfinancial.com/role/StockCompensationPlansScheduleOfAssumptionsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_RangeAxis.4365.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeAxis.4365.6.6" xlink:to="loc_RangeMember.4366.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeAxis.4365.8.6" xlink:to="loc_RangeMember.4366.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeMember.4366.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:loc xlink:label="loc_MinimumMember.3382.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MinimumMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeMember.4366.7.6" xlink:to="loc_MinimumMember.3382.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MaximumMember.3373.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaximumMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeMember.4366.7.6" xlink:to="loc_MaximumMember.3373.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable.4883.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeAxis.4365.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable.4883.5.6" xlink:to="loc_RangeAxis.4365.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.5072.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.16975.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.5072.7.6" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.16975.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1.16199.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.5072.7.6" xlink:to="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1.16199.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.16972.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.5072.7.6" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.16972.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate.16956.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.5072.7.6" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate.16956.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.5072.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable.4883.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.5072.9.6" xlink:to="loc_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable.4883.9.6" order="5.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="42001 - Disclosure - INTANGIBLE ASSETS (Details)" xlink:role="http://ameriservfinancial.com/role/IntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_BusinessAcquisitionAxis.750.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BusinessAcquisitionAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_BusinessAcquisitionAcquireeDomain.775.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_BusinessAcquisitionAxis.750.6.6" xlink:to="loc_BusinessAcquisitionAcquireeDomain.775.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_BusinessAcquisitionAxis.750.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BusinessAcquisitionAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_BusinessAcquisitionAcquireeDomain.775.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_BusinessAcquisitionAxis.750.8.6" xlink:to="loc_BusinessAcquisitionAcquireeDomain.775.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_BusinessAcquisitionAcquireeDomain.775.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_WestChesterCapitalAdvisorsMember.36927.7.6" xlink:href="asrv-20131231.xsd#asrv_WestChesterCapitalAdvisorsMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_BusinessAcquisitionAcquireeDomain.775.7.6" xlink:to="loc_WestChesterCapitalAdvisorsMember.36927.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_GoodwillLineItems.2490.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GoodwillLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfGoodwillTable.4858.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfGoodwillTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_GoodwillLineItems.2490.9.6" xlink:to="loc_ScheduleOfGoodwillTable.4858.9.6" order="3.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_GoodwillLineItems.2490.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GoodwillLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_Goodwill.10732.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Goodwill" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_GoodwillLineItems.2490.7.6" xlink:to="loc_Goodwill.10732.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfGoodwillTable.4858.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfGoodwillTable" xlink:type="locator" />
    <link:loc xlink:label="loc_StatementBusinessSegmentsAxis.5172.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfGoodwillTable.4858.5.6" xlink:to="loc_StatementBusinessSegmentsAxis.5172.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_BusinessAcquisitionAxis.750.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BusinessAcquisitionAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfGoodwillTable.4858.5.6" xlink:to="loc_BusinessAcquisitionAxis.750.5.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_SegmentDomain.4981.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_RetailBankingMember.36870.7.6" xlink:href="asrv-20131231.xsd#asrv_RetailBankingMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_SegmentDomain.4981.7.6" xlink:to="loc_RetailBankingMember.36870.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementBusinessSegmentsAxis.5172.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_SegmentDomain.4981.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementBusinessSegmentsAxis.5172.6.6" xlink:to="loc_SegmentDomain.4981.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementBusinessSegmentsAxis.5172.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_SegmentDomain.4981.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementBusinessSegmentsAxis.5172.8.6" xlink:to="loc_SegmentDomain.4981.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="42101 - Disclosure - DERIVATIVE HEDGING INSTRUMENTS (Details)" xlink:role="http://ameriservfinancial.com/role/DerivativeHedgingInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DerivativeLineItems.1552.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DerivativeInceptionDates.8427.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInceptionDates" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DerivativeLineItems.1552.7.6" xlink:to="loc_DerivativeInceptionDates.8427.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DerivativeMaturityDates.8426.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeMaturityDates" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DerivativeLineItems.1552.7.6" xlink:to="loc_DerivativeMaturityDates.8426.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DerivativeVariableInterestRate.8517.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeVariableInterestRate" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DerivativeLineItems.1552.7.6" xlink:to="loc_DerivativeVariableInterestRate.8517.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DerivativeFixedInterestRate.8465.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFixedInterestRate" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DerivativeLineItems.1552.7.6" xlink:to="loc_DerivativeFixedInterestRate.8465.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.11317.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DerivativeLineItems.1552.7.6" xlink:to="loc_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.11317.7.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DerivativeLineItems.1552.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DerivativeTable.1564.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DerivativeLineItems.1552.9.6" xlink:to="loc_DerivativeTable.1564.9.6" order="7.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_MaximumNotionalAmountOfDerivativesOutstanding.36928.7.6" xlink:href="asrv-20131231.xsd#asrv_MaximumNotionalAmountOfDerivativesOutstanding" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DerivativeLineItems.1552.7.6" xlink:to="loc_MaximumNotionalAmountOfDerivativesOutstanding.36928.7.6" order="8.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DerivativeNotionalAmount.277.7.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_DerivativeNotionalAmount" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DerivativeLineItems.1552.7.6" xlink:to="loc_DerivativeNotionalAmount.277.7.6" order="3.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DerivativeTable.1564.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DerivativeByNatureAxis.1573.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeByNatureAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DerivativeTable.1564.5.6" xlink:to="loc_DerivativeByNatureAxis.1573.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_DerivativeByNatureAxis.1573.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeByNatureAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DerivativeNameDomain.1577.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeNameDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DerivativeByNatureAxis.1573.6.6" xlink:to="loc_DerivativeNameDomain.1577.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_DerivativeByNatureAxis.1573.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeByNatureAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DerivativeNameDomain.1577.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeNameDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DerivativeByNatureAxis.1573.8.6" xlink:to="loc_DerivativeNameDomain.1577.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_DerivativeNameDomain.1577.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeNameDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_InterestRateSwapMember.2870.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestRateSwapMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DerivativeNameDomain.1577.7.6" xlink:to="loc_InterestRateSwapMember.2870.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestRateSwapOneMember.36929.7.6" xlink:href="asrv-20131231.xsd#asrv_InterestRateSwapOneMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DerivativeNameDomain.1577.7.6" xlink:to="loc_InterestRateSwapOneMember.36929.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestRateSwapTwoMember.36930.7.6" xlink:href="asrv-20131231.xsd#asrv_InterestRateSwapTwoMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_DerivativeNameDomain.1577.7.6" xlink:to="loc_InterestRateSwapTwoMember.36930.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="42401 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Balance Sheets) (Details)" xlink:role="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationBalanceSheetsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_EntityDomain.99.7.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_ParentCompanyMember.3923.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ParentCompanyMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_EntityDomain.99.7.6" xlink:to="loc_ParentCompanyMember.3923.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LegalEntityAxis.136.6.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_EntityDomain.99.6.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LegalEntityAxis.136.6.6" xlink:to="loc_EntityDomain.99.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_LegalEntityAxis.136.8.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_EntityDomain.99.8.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LegalEntityAxis.136.8.6" xlink:to="loc_EntityDomain.99.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_AssetsAbstract.620.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_CashAndDueFromBanks.6815.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AssetsAbstract.620.7.6" xlink:to="loc_CashAndDueFromBanks.6815.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherShortTermInvestments.14081.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherShortTermInvestments" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AssetsAbstract.620.7.6" xlink:to="loc_OtherShortTermInvestments.14081.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_AvailableForSaleSecurities.6182.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AssetsAbstract.620.7.6" xlink:to="loc_AvailableForSaleSecurities.6182.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_EquityMethodInvestments.9316.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvestments" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AssetsAbstract.620.7.6" xlink:to="loc_EquityMethodInvestments.9316.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DeferredFinanceCostsNet.7864.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredFinanceCostsNet" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AssetsAbstract.620.7.6" xlink:to="loc_DeferredFinanceCostsNet.7864.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherAssets.13839.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AssetsAbstract.620.7.6" xlink:to="loc_OtherAssets.13839.7.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_Assets.6057.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AssetsAbstract.620.7.6" xlink:to="loc_Assets.6057.7.6" order="7.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfCondensedFinancialStatementsTable.4818.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedFinancialStatementsTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.9.6" xlink:to="loc_ScheduleOfCondensedFinancialStatementsTable.4818.9.6" order="1.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:to="loc_AssetsAbstract.620.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LiabilitiesAbstract.3056.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:to="loc_LiabilitiesAbstract.3056.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_StockholdersEquityAbstract.5197.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:to="loc_StockholdersEquityAbstract.5197.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LiabilitiesAndStockholdersEquity.12135.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:to="loc_LiabilitiesAndStockholdersEquity.12135.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_EquityMethodInvesteeNameDomain.1871.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvesteeNameDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_BankingSubsidiaryMember.36931.7.6" xlink:href="asrv-20131231.xsd#asrv_BankingSubsidiaryMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_EquityMethodInvesteeNameDomain.1871.7.6" xlink:to="loc_BankingSubsidiaryMember.36931.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_NonBankingSubsidiariesMember.36932.7.6" xlink:href="asrv-20131231.xsd#asrv_NonBankingSubsidiariesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_EquityMethodInvesteeNameDomain.1871.7.6" xlink:to="loc_NonBankingSubsidiariesMember.36932.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_JuniorSubordinatedNotes.12033.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_JuniorSubordinatedNotes" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LiabilitiesAbstract.3056.7.6" xlink:to="loc_JuniorSubordinatedNotes.12033.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherLiabilities.14024.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherLiabilities" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LiabilitiesAbstract.3056.7.6" xlink:to="loc_OtherLiabilities.14024.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_Liabilities.12166.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Liabilities" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LiabilitiesAbstract.3056.7.6" xlink:to="loc_Liabilities.12166.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfCondensedFinancialStatementsTable.4818.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedFinancialStatementsTable" xlink:type="locator" />
    <link:loc xlink:label="loc_LegalEntityAxis.136.5.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfCondensedFinancialStatementsTable.4818.5.6" xlink:to="loc_LegalEntityAxis.136.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfCondensedFinancialStatementsTable.4818.5.6" xlink:to="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.5.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_EquityMethodInvesteeNameDomain.1871.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvesteeNameDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.6.6" xlink:to="loc_EquityMethodInvesteeNameDomain.1871.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_EquityMethodInvesteeNameDomain.1871.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvesteeNameDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.8.6" xlink:to="loc_EquityMethodInvesteeNameDomain.1871.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_StockholdersEquity.17302.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StockholdersEquityAbstract.5197.7.6" xlink:to="loc_StockholdersEquity.17302.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="42402 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Statements of Operations) (Details)" xlink:role="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationStatementsOfOperationsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_EntityDomain.99.7.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_ParentCompanyMember.3923.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ParentCompanyMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_EntityDomain.99.7.6" xlink:to="loc_ParentCompanyMember.3923.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LegalEntityAxis.136.6.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_EntityDomain.99.6.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LegalEntityAxis.136.6.6" xlink:to="loc_EntityDomain.99.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_LegalEntityAxis.136.8.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_EntityDomain.99.8.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LegalEntityAxis.136.8.6" xlink:to="loc_EntityDomain.99.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfCondensedFinancialStatementsTable.4818.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedFinancialStatementsTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.9.6" xlink:to="loc_ScheduleOfCondensedFinancialStatementsTable.4818.9.6" order="1.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_CostsAndExpensesAbstract.1259.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CostsAndExpensesAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:to="loc_CostsAndExpensesAbstract.1259.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:to="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefit.11134.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:to="loc_IncomeTaxExpenseBenefit.11134.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_NetIncomeLoss.13265.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:to="loc_NetIncomeLoss.13265.7.6" order="7.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_RevenuesAbstract.4680.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenuesAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:to="loc_RevenuesAbstract.4680.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ComprehensiveIncomeNetOfTax.7190.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:to="loc_ComprehensiveIncomeNetOfTax.7190.7.6" order="8.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_IncomeLossFromSubsidiariesNetOfTax.11103.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:to="loc_IncomeLossFromSubsidiariesNetOfTax.11103.7.6" order="6.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestExpense.11654.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CostsAndExpensesAbstract.1259.7.6" xlink:to="loc_InterestExpense.11654.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LaborAndRelatedExpense.12056.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CostsAndExpensesAbstract.1259.7.6" xlink:to="loc_LaborAndRelatedExpense.12056.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherNoninterestExpense.13993.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CostsAndExpensesAbstract.1259.7.6" xlink:to="loc_OtherNoninterestExpense.13993.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CostsAndExpenses.7476.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CostsAndExpenses" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CostsAndExpensesAbstract.1259.7.6" xlink:to="loc_CostsAndExpenses.7476.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_EquityMethodInvesteeNameDomain.1871.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvesteeNameDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_BankingSubsidiaryMember.36931.7.6" xlink:href="asrv-20131231.xsd#asrv_BankingSubsidiaryMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_EquityMethodInvesteeNameDomain.1871.7.6" xlink:to="loc_BankingSubsidiaryMember.36931.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_NonBankingSubsidiariesMember.36932.7.6" xlink:href="asrv-20131231.xsd#asrv_NonBankingSubsidiariesMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_EquityMethodInvesteeNameDomain.1871.7.6" xlink:to="loc_NonBankingSubsidiariesMember.36932.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_RevenueFromRelatedParties.16102.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenueFromRelatedParties" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RevenuesAbstract.4680.7.6" xlink:to="loc_RevenueFromRelatedParties.16102.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_DividendIncomeOperating.8985.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendIncomeOperating" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RevenuesAbstract.4680.7.6" xlink:to="loc_DividendIncomeOperating.8985.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestAndDividendIncomeOperating.11661.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RevenuesAbstract.4680.7.6" xlink:to="loc_InterestAndDividendIncomeOperating.11661.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_Revenues.16160.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Revenues" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RevenuesAbstract.4680.7.6" xlink:to="loc_Revenues.16160.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfCondensedFinancialStatementsTable.4818.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedFinancialStatementsTable" xlink:type="locator" />
    <link:loc xlink:label="loc_LegalEntityAxis.136.5.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfCondensedFinancialStatementsTable.4818.5.6" xlink:to="loc_LegalEntityAxis.136.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfCondensedFinancialStatementsTable.4818.5.6" xlink:to="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.5.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_EquityMethodInvesteeNameDomain.1871.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvesteeNameDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.6.6" xlink:to="loc_EquityMethodInvesteeNameDomain.1871.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_EquityMethodInvesteeNameDomain.1871.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvesteeNameDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.8.6" xlink:to="loc_EquityMethodInvesteeNameDomain.1871.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="42403 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Statements of Cash Flows) (Details)" xlink:role="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationStatementsOfCashFlowsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_EntityDomain.99.7.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_ParentCompanyMember.3923.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ParentCompanyMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_EntityDomain.99.7.6" xlink:to="loc_ParentCompanyMember.3923.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LegalEntityAxis.136.6.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_EntityDomain.99.6.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LegalEntityAxis.136.6.6" xlink:to="loc_EntityDomain.99.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_LegalEntityAxis.136.8.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_EntityDomain.99.8.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LegalEntityAxis.136.8.6" xlink:to="loc_EntityDomain.99.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ShareBasedCompensation.16900.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.7.6" xlink:to="loc_ShareBasedCompensation.16900.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherOperatingActivitiesCashFlowStatement.13870.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherOperatingActivitiesCashFlowStatement" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.7.6" xlink:to="loc_OtherOperatingActivitiesCashFlowStatement.13870.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_IncomeLossFromSubsidiariesNetOfTax.11103.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.7.6" xlink:to="loc_IncomeLossFromSubsidiariesNetOfTax.11103.7.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfCondensedFinancialStatementsTable.4818.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedFinancialStatementsTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.9.6" xlink:to="loc_ScheduleOfCondensedFinancialStatementsTable.4818.9.6" order="1.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:to="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:to="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:to="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsPeriodIncreaseDecrease.6834.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:to="loc_CashAndCashEquivalentsPeriodIncreaseDecrease.6834.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsAtCarryingValue.6843.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.7.6" xlink:to="loc_CashAndCashEquivalentsAtCarryingValue.6843.7.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PaymentsForRepurchaseOfCommonStock.14236.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.7.6" xlink:to="loc_PaymentsForRepurchaseOfCommonStock.14236.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PaymentsForRepurchaseOfWarrants.14230.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfWarrants" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.7.6" xlink:to="loc_PaymentsForRepurchaseOfWarrants.14230.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PaymentsOfDividendsPreferredStockAndPreferenceStock.14313.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.7.6" xlink:to="loc_PaymentsOfDividendsPreferredStockAndPreferenceStock.14313.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.7.6" xlink:to="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PaymentsOfDividendsCommonStock.14340.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.7.6" xlink:to="loc_PaymentsOfDividendsCommonStock.14340.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PaymentsToAcquireAvailableForSaleSecurities.14334.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.7.6" xlink:to="loc_PaymentsToAcquireAvailableForSaleSecurities.14334.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.15068.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.7.6" xlink:to="loc_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.15068.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.7.6" xlink:to="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_NetIncomeLoss.13265.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.7.6" xlink:to="loc_NetIncomeLoss.13265.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:definitionArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.7.6" xlink:to="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.7.6" xlink:to="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfCondensedFinancialStatementsTable.4818.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedFinancialStatementsTable" xlink:type="locator" />
    <link:loc xlink:label="loc_LegalEntityAxis.136.5.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfCondensedFinancialStatementsTable.4818.5.6" xlink:to="loc_LegalEntityAxis.136.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41601 - Disclosure - COMMITMENTS AND CONTINGENT LIABILITIES (Details)" xlink:role="http://ameriservfinancial.com/role/CommitmentsAndContingentLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_LossContingencyNatureDomain.3258.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyNatureDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommitmentsToExtendCreditMember.1080.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsToExtendCreditMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LossContingencyNatureDomain.3258.7.6" xlink:to="loc_CommitmentsToExtendCreditMember.1080.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_StandbyLettersOfCreditMember.5157.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StandbyLettersOfCreditMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LossContingencyNatureDomain.3258.7.6" xlink:to="loc_StandbyLettersOfCreditMember.5157.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LossContingenciesTable.3266.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingenciesTable" xlink:type="locator" />
    <link:loc xlink:label="loc_LossContingenciesByNatureOfContingencyAxis.3273.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingenciesByNatureOfContingencyAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LossContingenciesTable.3266.5.6" xlink:to="loc_LossContingenciesByNatureOfContingencyAxis.3273.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LossContingenciesTable.3266.5.6" xlink:to="loc_RangeAxis.4365.5.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_LossContingenciesLineItems.3272.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingenciesLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_LossContingencyRangeOfPossibleLossMaximum.12848.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyRangeOfPossibleLossMaximum" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LossContingenciesLineItems.3272.7.6" xlink:to="loc_LossContingencyRangeOfPossibleLossMaximum.12848.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LossContingencyTermOfCommitment.37135.7.6" xlink:href="asrv-20131231.xsd#asrv_LossContingencyTermOfCommitment" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LossContingenciesLineItems.3272.7.6" xlink:to="loc_LossContingencyTermOfCommitment.37135.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableCollateralForSecuredBorrowings.12557.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableCollateralForSecuredBorrowings" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LossContingenciesLineItems.3272.7.6" xlink:to="loc_LoansAndLeasesReceivableCollateralForSecuredBorrowings.12557.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.9501.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LossContingenciesLineItems.3272.7.6" xlink:to="loc_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.9501.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_LossContingenciesLineItems.3272.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingenciesLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_LossContingenciesTable.3266.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingenciesTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LossContingenciesLineItems.3272.9.6" xlink:to="loc_LossContingenciesTable.3266.9.6" order="5.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_LossContingenciesByNatureOfContingencyAxis.3273.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingenciesByNatureOfContingencyAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_LossContingencyNatureDomain.3258.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyNatureDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LossContingenciesByNatureOfContingencyAxis.3273.6.6" xlink:to="loc_LossContingencyNatureDomain.3258.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_LossContingenciesByNatureOfContingencyAxis.3273.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingenciesByNatureOfContingencyAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_LossContingencyNatureDomain.3258.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyNatureDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_LossContingenciesByNatureOfContingencyAxis.3273.8.6" xlink:to="loc_LossContingencyNatureDomain.3258.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeAxis.4365.6.6" xlink:to="loc_RangeMember.4366.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeAxis.4365.8.6" xlink:to="loc_RangeMember.4366.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeMember.4366.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:loc xlink:label="loc_MinimumMember.3382.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MinimumMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeMember.4366.7.6" xlink:to="loc_MinimumMember.3382.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MaximumMember.3373.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaximumMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeMember.4366.7.6" xlink:to="loc_MaximumMember.3373.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="41702 - Disclosure - PREFERRED STOCK (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/PreferredStockNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_ClassOfStockLineItems.1018.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassOfStockLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_StockIssuedDuringPeriodSharesNewIssues.17271.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ClassOfStockLineItems.1018.7.6" xlink:to="loc_StockIssuedDuringPeriodSharesNewIssues.17271.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_StockIssuedDuringPeriodValueNewIssues.17285.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ClassOfStockLineItems.1018.7.6" xlink:to="loc_StockIssuedDuringPeriodValueNewIssues.17285.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PreferredStockDividendRatePercentage.14679.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockDividendRatePercentage" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ClassOfStockLineItems.1018.7.6" xlink:to="loc_PreferredStockDividendRatePercentage.14679.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_StockRepurchasedDuringPeriodShares.17281.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockRepurchasedDuringPeriodShares" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ClassOfStockLineItems.1018.7.6" xlink:to="loc_StockRepurchasedDuringPeriodShares.17281.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PreferredStockLiquidationPreferenceValue.14706.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockLiquidationPreferenceValue" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ClassOfStockLineItems.1018.7.6" xlink:to="loc_PreferredStockLiquidationPreferenceValue.14706.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PercentageOfLendingIncentiveFeePayable.36858.7.6" xlink:href="asrv-20131231.xsd#asrv_PercentageOfLendingIncentiveFeePayable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ClassOfStockLineItems.1018.7.6" xlink:to="loc_PercentageOfLendingIncentiveFeePayable.36858.7.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MinimumPercentageTierOneCapitalToBeMaintained.37136.7.6" xlink:href="asrv-20131231.xsd#asrv_MinimumPercentageTierOneCapitalToBeMaintained" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ClassOfStockLineItems.1018.7.6" xlink:to="loc_MinimumPercentageTierOneCapitalToBeMaintained.37136.7.6" order="7.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_PreferredStockRedemptionPricePercentage.37137.7.6" xlink:href="asrv-20131231.xsd#asrv_PreferredStockRedemptionPricePercentage" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ClassOfStockLineItems.1018.7.6" xlink:to="loc_PreferredStockRedemptionPricePercentage.37137.7.6" order="8.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ClassOfStockLineItems.1018.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassOfStockLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfStockByClassTable.4895.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfStockByClassTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ClassOfStockLineItems.1018.9.6" xlink:to="loc_ScheduleOfStockByClassTable.4895.9.6" order="15.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_ClassOfStockDomain.1024.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_SeriesEPreferredStockMember.5025.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SeriesEPreferredStockMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ClassOfStockDomain.1024.7.6" xlink:to="loc_SeriesEPreferredStockMember.5025.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeAxis.4365.6.6" xlink:to="loc_RangeMember.4366.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeAxis.4365.8.6" xlink:to="loc_RangeMember.4366.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeMember.4366.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:loc xlink:label="loc_MinimumMember.3382.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MinimumMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeMember.4366.7.6" xlink:to="loc_MinimumMember.3382.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_MaximumMember.3373.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaximumMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_RangeMember.4366.7.6" xlink:to="loc_MaximumMember.3373.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfStockByClassTable.4895.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfStockByClassTable" xlink:type="locator" />
    <link:loc xlink:label="loc_StatementClassOfStockAxis.5173.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfStockByClassTable.4895.5.6" xlink:to="loc_StatementClassOfStockAxis.5173.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfStockByClassTable.4895.5.6" xlink:to="loc_RangeAxis.4365.5.6" order="1.75000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementClassOfStockAxis.5173.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_ClassOfStockDomain.1024.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementClassOfStockAxis.5173.6.6" xlink:to="loc_ClassOfStockDomain.1024.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementClassOfStockAxis.5173.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_ClassOfStockDomain.1024.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementClassOfStockAxis.5173.8.6" xlink:to="loc_ClassOfStockDomain.1024.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
  </link:definitionLink>
  <link:definitionLink xlink:title="42201 - Disclosure - SEGMENT RESULTS (Details)" xlink:role="http://ameriservfinancial.com/role/SegmentResultsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_ScheduleOfSegmentReportingInformationBySegmentTable.4885.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:type="locator" />
    <link:loc xlink:label="loc_StatementBusinessSegmentsAxis.5172.5.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_ScheduleOfSegmentReportingInformationBySegmentTable.4885.5.6" xlink:to="loc_StatementBusinessSegmentsAxis.5172.5.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="arc" />
    <link:loc xlink:label="loc_SegmentReportingInformationLineItems.4975.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_NoninterestIncome.13366.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_SegmentReportingInformationLineItems.4975.7.6" xlink:to="loc_NoninterestIncome.13366.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_NoninterestExpense.13363.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpense" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_SegmentReportingInformationLineItems.4975.7.6" xlink:to="loc_NoninterestExpense.13363.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_SegmentReportingInformationLineItems.4975.7.6" xlink:to="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.7.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefit.11134.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_SegmentReportingInformationLineItems.4975.7.6" xlink:to="loc_IncomeTaxExpenseBenefit.11134.7.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_NetIncomeLoss.13265.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_SegmentReportingInformationLineItems.4975.7.6" xlink:to="loc_NetIncomeLoss.13265.7.6" order="7.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_Assets.6057.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_SegmentReportingInformationLineItems.4975.7.6" xlink:to="loc_Assets.6057.7.6" order="8.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_SegmentReportingInformationLineItems.4975.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfSegmentReportingInformationBySegmentTable.4885.9.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_SegmentReportingInformationLineItems.4975.9.6" xlink:to="loc_ScheduleOfSegmentReportingInformationBySegmentTable.4885.9.6" order="9.00000" xbrldt:closed="true" xbrldt:contextElement="segment" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestIncomeExpenseNet.11727.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_SegmentReportingInformationLineItems.4975.7.6" xlink:to="loc_InterestIncomeExpenseNet.11727.7.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_ProvisionForLoanLeaseAndOtherLosses.15267.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_SegmentReportingInformationLineItems.4975.7.6" xlink:to="loc_ProvisionForLoanLeaseAndOtherLosses.15267.7.6" order="2.75000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_SegmentDomain.4981.7.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_RetailBankingMember.36870.7.6" xlink:href="asrv-20131231.xsd#asrv_RetailBankingMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_SegmentDomain.4981.7.6" xlink:to="loc_RetailBankingMember.36870.7.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_CommercialBankingMember.36783.7.6" xlink:href="asrv-20131231.xsd#asrv_CommercialBankingMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_SegmentDomain.4981.7.6" xlink:to="loc_CommercialBankingMember.36783.7.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_TrustMember.36884.7.6" xlink:href="asrv-20131231.xsd#asrv_TrustMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_SegmentDomain.4981.7.6" xlink:to="loc_TrustMember.36884.7.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentParentMember.37283.7.6" xlink:href="asrv-20131231.xsd#asrv_InvestmentParentMember" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_SegmentDomain.4981.7.6" xlink:to="loc_InvestmentParentMember.37283.7.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementBusinessSegmentsAxis.5172.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_SegmentDomain.4981.6.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementBusinessSegmentsAxis.5172.6.6" xlink:to="loc_SegmentDomain.4981.6.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementBusinessSegmentsAxis.5172.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_SegmentDomain.4981.8.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:type="locator" />
    <link:definitionArc xlink:from="loc_StatementBusinessSegmentsAxis.5172.8.6" xlink:to="loc_SegmentDomain.4981.8.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="arc" />
  </link:definitionLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>12
<FILENAME>asrv-20131231_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
<!--Created by Vintage Filings ("VF")-->
<!--produced on 2014-02-26 @ 7:50 PM-->
<link:linkbase xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase">
  <link:roleRef roleURI="http://fasb.org/us-gaap/role/label/axisDefault" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-roles-2013-01-31.xsd#axisDefault" xlink:type="simple" />
  <link:roleRef roleURI="http://fasb.org/us-gaap/role/label/changeLabel2012" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-roles-2013-01-31.xsd#changeLabel2012" xlink:type="simple" />
  <link:roleRef roleURI="http://fasb.org/us-gaap/role/label/fragmentDocumentation" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-roles-2013-01-31.xsd#fragmentDocumentation" xlink:type="simple" />
  <link:roleRef roleURI="http://fasb.org/us-gaap/role/label/fragmentLabel" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-roles-2013-01-31.xsd#fragmentLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://fasb.org/us-gaap/role/label/changeLabel2013" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-roles-2013-01-31.xsd#changeLabel2013" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/deprecatedLabel" xlink:href="http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd#deprecatedLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/deprecatedDateLabel" xlink:href="http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd#deprecatedDateLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" xlink:type="simple" />
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:loc xlink:label="loc_AllowanceForCreditLossesTextBlock.5931.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForCreditLossesTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AllowanceForCreditLossesTextBlock.5931.11.6" xlink:to="us-gaap_AllowanceForCreditLossesTextBlock_lbl.458413.191208.307585" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AllowanceForCreditLossesTextBlock_lbl.458413.191208.307585" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AllowanceForCreditLossesTextBlock_lbl.458413.191208.307585">Allowance for Credit Losses [Text Block]</link:label>
    <link:loc xlink:label="loc_AllowanceForCreditLossesTextBlock.5931.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForCreditLossesTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AllowanceForCreditLossesTextBlock.5931.11.8" xlink:to="us-gaap_AllowanceForCreditLossesTextBlock_lbl.458414.191209.307586" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AllowanceForCreditLossesTextBlock_lbl.458414.191209.307586" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AllowanceForCreditLossesTextBlock_lbl.458414.191209.307586">ALLOWANCE FOR LOAN LOSSES</link:label>
    <link:loc xlink:label="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.11.6" xlink:to="us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract_lbl.458412.191210.307587" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract_lbl.458412.191210.307587" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract_lbl.458412.191210.307587">ALLOWANCE FOR LOAN LOSSES [Abstract]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.11.6" xlink:to="lab_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.459038.190693.307588" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.459038.190693.307588" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.459038.190693.307588">Class of Financing Receivable [Axis]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.11.6" xlink:to="lab_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.459039.190694.307589" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.459039.190694.307589" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.459039.190694.307589">Class of Financing Receivable [Domain]</link:label>
    <link:loc xlink:label="loc_InterestAndOtherIncomeAbstract.2840.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndOtherIncomeAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndOtherIncomeAbstract.2840.11.8" xlink:to="lab_InterestAndOtherIncomeAbstract.459117.190670.307590" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestAndOtherIncomeAbstract.459117.190670.307590" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestAndOtherIncomeAbstract.459117.190670.307590">Interest income recognized:</link:label>
    <link:loc xlink:label="loc_InterestAndOtherIncomeAbstract.2840.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndOtherIncomeAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndOtherIncomeAbstract.2840.11.6" xlink:to="lab_InterestAndOtherIncomeAbstract.459118.190669.307591" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestAndOtherIncomeAbstract.459118.190669.307591" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestAndOtherIncomeAbstract.459118.190669.307591">Interest and Other Income [Abstract]</link:label>
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.11.6" xlink:to="us-gaap_AccountsNotesAndLoansReceivableLineItems_lbl.458638.190671.307592" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AccountsNotesAndLoansReceivableLineItems_lbl.458638.190671.307592" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AccountsNotesAndLoansReceivableLineItems_lbl.458638.190671.307592">Accounts, Notes, Loans and Financing Receivable [Line Items]</link:label>
    <link:loc xlink:label="loc_CommercialLoanMember.1070.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommercialLoanMember.1070.11.6" xlink:to="us-gaap_CommercialLoanMember_lbl.458629.190672.307593" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommercialLoanMember_lbl.458629.190672.307593" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommercialLoanMember_lbl.458629.190672.307593">Commercial Loan [Member]</link:label>
    <link:loc xlink:label="loc_CommercialLoanMember.1070.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommercialLoanMember.1070.11.8" xlink:to="us-gaap_CommercialLoanMember_lbl.458630.190673.307594" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommercialLoanMember_lbl.458630.190673.307594" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommercialLoanMember_lbl.458630.190673.307594">Commercial [Member]</link:label>
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommercialRealEstateMember.1077.11.6" xlink:to="us-gaap_CommercialRealEstateMember_lbl.458631.190674.307595" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommercialRealEstateMember_lbl.458631.190674.307595" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommercialRealEstateMember_lbl.458631.190674.307595">Commercial Real Estate [Member]</link:label>
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommercialRealEstateMember.1077.11.8" xlink:to="us-gaap_CommercialRealEstateMember_lbl.458632.190675.307596" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommercialRealEstateMember_lbl.458632.190675.307596" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommercialRealEstateMember_lbl.458632.190675.307596">Commercial loans secured by real estate [Member]</link:label>
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ConsumerLoanMember.1175.11.8" xlink:to="us-gaap_ConsumerLoanMember_lbl.458636.190677.307597" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ConsumerLoanMember_lbl.458636.190677.307597" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ConsumerLoanMember_lbl.458636.190677.307597">Consumer [Member]</link:label>
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ConsumerLoanMember.1175.11.6" xlink:to="us-gaap_ConsumerLoanMember_lbl.458637.190676.307598" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ConsumerLoanMember_lbl.458637.190676.307598" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ConsumerLoanMember_lbl.458637.190676.307598">Consumer Loan [Member]</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableAverageRecordedInvestment.10992.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableAverageRecordedInvestment.10992.11.8" xlink:to="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_lbl.458692.190681.307599" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_lbl.458692.190681.307599" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_lbl.458692.190681.307599">Average investment in impaired loans</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableAverageRecordedInvestment.10992.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableAverageRecordedInvestment.10992.11.6" xlink:to="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_lbl.458693.190680.307600" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_lbl.458693.190680.307600" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_lbl.458693.190680.307600">Impaired Financing Receivable, Average Recorded Investment</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.2600.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.2600.11.8" xlink:to="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract_lbl.458690.190683.307601" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract_lbl.458690.190683.307601" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract_lbl.458690.190683.307601">Average recorded investment in impaired loans and related interest income recognized</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.2600.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.2600.11.6" xlink:to="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract_lbl.458691.190682.307602" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract_lbl.458691.190682.307602" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract_lbl.458691.190682.307602">Impaired Financing Receivable, Average Recorded Investment [Abstract]</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.11010.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.11010.11.6" xlink:to="us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_lbl.458694.190684.307603" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_lbl.458694.190684.307603" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_lbl.458694.190684.307603">Impaired Financing Receivable, Interest Income, Cash Basis Method</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.11010.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.11010.11.8" xlink:to="us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_lbl.458696.190685.307604" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_lbl.458696.190685.307604" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_lbl.458696.190685.307604">Interest income recognized on a cash basis on impaired loans</link:label>
    <link:loc xlink:label="loc_ScheduleOfImpairedFinancingReceivableTable.4771.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfImpairedFinancingReceivableTable.4771.11.6" xlink:to="us-gaap_ScheduleOfImpairedFinancingReceivableTable_lbl.458673.190686.307605" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfImpairedFinancingReceivableTable_lbl.458673.190686.307605" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfImpairedFinancingReceivableTable_lbl.458673.190686.307605">Schedule of Impaired Financing Receivable [Table]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.10274.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.10274.11.6" xlink:to="lab_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.459071.190626.307606" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.459071.190626.307606" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.459071.190626.307606">Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.10274.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.10274.11.8" xlink:to="lab_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.459072.190627.307607" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.459072.190627.307607" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.459072.190627.307607">90 Days Past Due</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment30To59DaysPastDue.10259.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestment30To59DaysPastDue.10259.11.8" xlink:to="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_lbl.458724.190629.307608" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_lbl.458724.190629.307608" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_lbl.458724.190629.307608">30-59 Days Past Due</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment30To59DaysPastDue.10259.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestment30To59DaysPastDue.10259.11.6" xlink:to="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_lbl.458725.190628.307609" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_lbl.458725.190628.307609" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue_lbl.458725.190628.307609">Financing Receivable, Recorded Investment, 30 to 59 Days Past Due</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment60To89DaysPastDue.10275.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestment60To89DaysPastDue.10275.11.8" xlink:to="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue_lbl.458726.190631.307610" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue_lbl.458726.190631.307610" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue_lbl.458726.190631.307610">60-89 Days Past Due</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment60To89DaysPastDue.10275.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestment60To89DaysPastDue.10275.11.6" xlink:to="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue_lbl.458727.190630.307611" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue_lbl.458727.190630.307611" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue_lbl.458727.190630.307611">Financing Receivable, Recorded Investment, 60 to 89 Days Past Due</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.10242.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.10242.11.6" xlink:to="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl.458728.190632.307612" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl.458728.190632.307612" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl.458728.190632.307612">Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.10242.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.10242.11.8" xlink:to="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl.458729.190633.307613" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl.458729.190633.307613" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl.458729.190633.307613">90 Days Past Due and Still Accruing</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.11.8" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_lbl.458720.190635.307614" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_lbl.458720.190635.307614" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_lbl.458720.190635.307614">Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.11.6" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_lbl.458721.190634.307615" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_lbl.458721.190634.307615" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_lbl.458721.190634.307615">Financing Receivable, Recorded Investment, Aging [Abstract]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentCurrent.10278.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentCurrent.10278.11.7" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentCurrent_lbl.458722.190637.307616" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableRecordedInvestmentCurrent_lbl.458722.190637.307616" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableRecordedInvestmentCurrent_lbl.458722.190637.307616">Current</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentCurrent.10278.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentCurrent.10278.11.6" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentCurrent_lbl.458723.190636.307617" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableRecordedInvestmentCurrent_lbl.458723.190636.307617" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableRecordedInvestmentCurrent_lbl.458723.190636.307617">Financing Receivable, Recorded Investment, Current</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentPastDue.10284.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentPastDue.10284.11.6" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl.458730.190638.307618" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl.458730.190638.307618" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl.458730.190638.307618">Financing Receivable, Recorded Investment, Past Due</link:label>
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentPastDue.10284.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableRecordedInvestmentPastDue.10284.11.9" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl.458731.190639.307619" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl.458731.190639.307619" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl.458731.190639.307619">Total Past Due</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.11.6" xlink:to="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_lbl.458639.190640.307620" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_lbl.458639.190640.307620" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_lbl.458639.190640.307620">Loans and Leases Receivable, Net of Deferred Income</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.11.9" xlink:to="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_lbl.458640.190641.307621" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_lbl.458640.190641.307621" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_lbl.458640.190641.307621">Total Loans</link:label>
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MortgageLoansOnRealEstateMember.3405.11.6" xlink:to="us-gaap_MortgageLoansOnRealEstateMember_lbl.458633.190642.307622" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_MortgageLoansOnRealEstateMember_lbl.458633.190642.307622" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_MortgageLoansOnRealEstateMember_lbl.458633.190642.307622">Mortgage Loans On Real Estate [Member]</link:label>
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MortgageLoansOnRealEstateMember.3405.11.8" xlink:to="us-gaap_MortgageLoansOnRealEstateMember_lbl.458635.190643.307623" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_MortgageLoansOnRealEstateMember_lbl.458635.190643.307623" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_MortgageLoansOnRealEstateMember_lbl.458635.190643.307623">Real estate-mortgage [Member]</link:label>
    <link:loc xlink:label="loc_StatementTable.5163.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StatementTable.5163.11.6" xlink:to="us-gaap_StatementTable_lbl.458719.190644.307624" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_StatementTable_lbl.458719.190644.307624" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_StatementTable_lbl.458719.190644.307624">Statement [Table]</link:label>
    <link:loc xlink:label="loc_ImpairedLoansWithNoSpecificAllowanceMember.36823.11.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansWithNoSpecificAllowanceMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedLoansWithNoSpecificAllowanceMember.36823.11.6" xlink:to="asrv_ImpairedLoansWithNoSpecificAllowanceMember_lbl.458677.190687.307625" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ImpairedLoansWithNoSpecificAllowanceMember_lbl.458677.190687.307625" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_ImpairedLoansWithNoSpecificAllowanceMember_lbl.458677.190687.307625">Impaired Loans with No Specific Allowance [Member]</link:label>
    <link:loc xlink:label="loc_ImpairedLoansWithNoSpecificAllowanceMember.36823.11.12" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansWithNoSpecificAllowanceMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedLoansWithNoSpecificAllowanceMember.36823.11.12" xlink:to="asrv_ImpairedLoansWithNoSpecificAllowanceMember_lbl.458679.190689.307626" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ImpairedLoansWithNoSpecificAllowanceMember_lbl.458679.190689.307626" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_ImpairedLoansWithNoSpecificAllowanceMember_lbl.458679.190689.307626">Impaired loans with no specific allowance.</link:label>
    <link:loc xlink:label="loc_ImpairedLoansWithSpecificAllowanceMember.36824.11.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansWithSpecificAllowanceMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedLoansWithSpecificAllowanceMember.36824.11.6" xlink:to="asrv_ImpairedLoansWithSpecificAllowanceMember_lbl.458674.190690.307627" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ImpairedLoansWithSpecificAllowanceMember_lbl.458674.190690.307627" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_ImpairedLoansWithSpecificAllowanceMember_lbl.458674.190690.307627">Impaired Loans with Specific Allowance [Member]</link:label>
    <link:loc xlink:label="loc_ImpairedLoansWithSpecificAllowanceMember.36824.11.12" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansWithSpecificAllowanceMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedLoansWithSpecificAllowanceMember.36824.11.12" xlink:to="asrv_ImpairedLoansWithSpecificAllowanceMember_lbl.458676.190692.307628" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ImpairedLoansWithSpecificAllowanceMember_lbl.458676.190692.307628" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_ImpairedLoansWithSpecificAllowanceMember_lbl.458676.190692.307628">Impaired loans with specific allowance.</link:label>
    <link:loc xlink:label="loc_ImpairedLoansAxis.36821.11.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedLoansAxis.36821.11.6" xlink:to="lab_ImpairedLoansAxis.197974.307629" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedLoansAxis.197974.307629" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedLoansAxis.197974.307629">Impaired Loans [Axis]</link:label>
    <link:loc xlink:label="loc_ImpairedLoansAxis.36821.11.12" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedLoansAxis.36821.11.12" xlink:to="lab_ImpairedLoansAxis.197975.307630" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedLoansAxis.197975.307630" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedLoansAxis.197975.307630">Impaired Loans [Axis]</link:label>
    <link:loc xlink:label="loc_ImpairedLoansDomain.36822.11.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedLoansDomain.36822.11.6" xlink:to="lab_ImpairedLoansDomain.197976.307631" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedLoansDomain.197976.307631" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedLoansDomain.197976.307631">Impaired Loans [Domain]</link:label>
    <link:loc xlink:label="loc_ImpairedLoansDomain.36822.11.12" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedLoansDomain.36822.11.12" xlink:to="lab_ImpairedLoansDomain.197977.307632" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedLoansDomain.197977.307632" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedLoansDomain.197977.307632">Impaired Loans [Domain]</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRecordedInvestment.10996.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableRecordedInvestment.10996.11.6" xlink:to="us-gaap_ImpairedFinancingReceivableRecordedInvestment_lbl.458682.190695.307633" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ImpairedFinancingReceivableRecordedInvestment_lbl.458682.190695.307633" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ImpairedFinancingReceivableRecordedInvestment_lbl.458682.190695.307633">Impaired Financing Receivable, Recorded Investment</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRecordedInvestment.10996.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableRecordedInvestment.10996.11.8" xlink:to="us-gaap_ImpairedFinancingReceivableRecordedInvestment_lbl.458684.190696.307634" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ImpairedFinancingReceivableRecordedInvestment_lbl.458684.190696.307634" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ImpairedFinancingReceivableRecordedInvestment_lbl.458684.190696.307634">Recorded Investment</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRelatedAllowance.10998.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableRelatedAllowance.10998.11.8" xlink:to="us-gaap_ImpairedFinancingReceivableRelatedAllowance_lbl.458685.190698.307635" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ImpairedFinancingReceivableRelatedAllowance_lbl.458685.190698.307635" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ImpairedFinancingReceivableRelatedAllowance_lbl.458685.190698.307635">Related Allowance</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRelatedAllowance.10998.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableRelatedAllowance.10998.11.6" xlink:to="us-gaap_ImpairedFinancingReceivableRelatedAllowance_lbl.458687.190697.307636" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ImpairedFinancingReceivableRelatedAllowance_lbl.458687.190697.307636" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ImpairedFinancingReceivableRelatedAllowance_lbl.458687.190697.307636">Impaired Financing Receivable, Related Allowance</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableUnpaidPrincipalBalance.10994.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableUnpaidPrincipalBalance.10994.11.8" xlink:to="us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance_lbl.458688.190700.307637" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance_lbl.458688.190700.307637" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance_lbl.458688.190700.307637">Unpaid Principal Balance</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableUnpaidPrincipalBalance.10994.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableUnpaidPrincipalBalance.10994.11.6" xlink:to="us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance_lbl.458689.190699.307638" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance_lbl.458689.190699.307638" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance_lbl.458689.190699.307638">Impaired Financing Receivable, Unpaid Principal Balance</link:label>
    <link:loc xlink:label="loc_InternalCreditAssessmentAxis.2889.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InternalCreditAssessmentAxis.2889.11.6" xlink:to="lab_InternalCreditAssessmentAxis.9962.307639" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InternalCreditAssessmentAxis.9962.307639" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InternalCreditAssessmentAxis.9962.307639">Internal Credit Assessment [Axis]</link:label>
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InternalCreditAssessmentDomain.2890.11.6" xlink:to="lab_InternalCreditAssessmentDomain.9963.307640" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InternalCreditAssessmentDomain.9963.307640" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InternalCreditAssessmentDomain.9963.307640">Internal Credit Assessment [Domain]</link:label>
    <link:loc xlink:label="loc_DoubtfulMember.1326.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DoubtfulMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DoubtfulMember.1326.11.8" xlink:to="us-gaap_DoubtfulMember_lbl.458704.190655.307641" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DoubtfulMember_lbl.458704.190655.307641" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_DoubtfulMember_lbl.458704.190655.307641">Doubtful [Member]</link:label>
    <link:loc xlink:label="loc_DoubtfulMember.1326.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DoubtfulMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DoubtfulMember.1326.11.6" xlink:to="us-gaap_DoubtfulMember_lbl.458705.190654.307642" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DoubtfulMember_lbl.458705.190654.307642" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_DoubtfulMember_lbl.458705.190654.307642">Doubtful [Member]</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableCommercial.12520.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableCommercial" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableCommercial.12520.11.6" xlink:to="us-gaap_LoansAndLeasesReceivableCommercial_lbl.458708.190658.307643" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableCommercial_lbl.458708.190658.307643" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableCommercial_lbl.458708.190658.307643">Loans and Leases Receivable, Gross, Commercial</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableCommercial.12520.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableCommercial" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableCommercial.12520.11.8" xlink:to="us-gaap_LoansAndLeasesReceivableCommercial_lbl.458709.190659.307644" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableCommercial_lbl.458709.190659.307644" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableCommercial_lbl.458709.190659.307644">Loan portfolio</link:label>
    <link:loc xlink:label="loc_LoansReceivableCommercialRealEstateAbstract.3198.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansReceivableCommercialRealEstateAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansReceivableCommercialRealEstateAbstract.3198.11.8" xlink:to="us-gaap_LoansReceivableCommercialRealEstateAbstract_lbl.458706.190661.307645" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansReceivableCommercialRealEstateAbstract_lbl.458706.190661.307645" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansReceivableCommercialRealEstateAbstract_lbl.458706.190661.307645">Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</link:label>
    <link:loc xlink:label="loc_LoansReceivableCommercialRealEstateAbstract.3198.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansReceivableCommercialRealEstateAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansReceivableCommercialRealEstateAbstract.3198.11.6" xlink:to="us-gaap_LoansReceivableCommercialRealEstateAbstract_lbl.458707.190660.307646" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansReceivableCommercialRealEstateAbstract_lbl.458707.190660.307646" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansReceivableCommercialRealEstateAbstract_lbl.458707.190660.307646">Loans Receivable, Gross, Commercial, Real Estate [Abstract]</link:label>
    <link:loc xlink:label="loc_PassMember.3918.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PassMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PassMember.3918.11.6" xlink:to="us-gaap_PassMember_lbl.458698.190662.307647" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PassMember_lbl.458698.190662.307647" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PassMember_lbl.458698.190662.307647">Pass [Member]</link:label>
    <link:loc xlink:label="loc_PassMember.3918.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PassMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PassMember.3918.11.8" xlink:to="us-gaap_PassMember_lbl.458699.190663.307648" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PassMember_lbl.458699.190663.307648" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PassMember_lbl.458699.190663.307648">Pass [Member]</link:label>
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.11.6" xlink:to="us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_lbl.458697.190664.307649" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_lbl.458697.190664.307649" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_lbl.458697.190664.307649">Schedule of Financing Receivable, Recorded Investment, Credit Quality Indicator [Table]</link:label>
    <link:loc xlink:label="loc_SpecialMentionMember.5132.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SpecialMentionMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SpecialMentionMember.5132.11.8" xlink:to="us-gaap_SpecialMentionMember_lbl.458700.190666.307650" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_SpecialMentionMember_lbl.458700.190666.307650" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_SpecialMentionMember_lbl.458700.190666.307650">Special Mention [Member]</link:label>
    <link:loc xlink:label="loc_SpecialMentionMember.5132.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SpecialMentionMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SpecialMentionMember.5132.11.6" xlink:to="us-gaap_SpecialMentionMember_lbl.458701.190665.307651" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_SpecialMentionMember_lbl.458701.190665.307651" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_SpecialMentionMember_lbl.458701.190665.307651">Special Mention [Member]</link:label>
    <link:loc xlink:label="loc_SubstandardMember.4705.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SubstandardMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SubstandardMember.4705.11.8" xlink:to="us-gaap_SubstandardMember_lbl.458702.190668.307652" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_SubstandardMember_lbl.458702.190668.307652" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_SubstandardMember_lbl.458702.190668.307652">Substandard [Member]</link:label>
    <link:loc xlink:label="loc_SubstandardMember.4705.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SubstandardMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SubstandardMember.4705.11.6" xlink:to="us-gaap_SubstandardMember_lbl.458703.190667.307653" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_SubstandardMember_lbl.458703.190667.307653" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_SubstandardMember_lbl.458703.190667.307653">Substandard [Member]</link:label>
    <link:loc xlink:label="loc_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances.36764.11.6" xlink:href="asrv-20131231.xsd#asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances.36764.11.6" xlink:to="asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_lbl.459048.190766.307654" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_lbl.459048.190766.307654" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_lbl.459048.190766.307654">Allowance for Loan Losses Presentation of Credit Rated with Aggregate Balances</link:label>
    <link:loc xlink:label="loc_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances.36764.11.8" xlink:href="asrv-20131231.xsd#asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances.36764.11.8" xlink:to="asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_lbl.459049.190767.307655" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_lbl.459049.190767.307655" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_lbl.459049.190767.307655">Credits rated Pass-6 with aggregate balances</link:label>
    <link:loc xlink:label="loc_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances.36764.11.12" xlink:href="asrv-20131231.xsd#asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances.36764.11.12" xlink:to="asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_lbl.459050.190768.307656" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_lbl.459050.190768.307656" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances_lbl.459050.190768.307656">Allowance for loan losses presentation of credit rated with aggregate balances.</link:label>
    <link:loc xlink:label="loc_AnticipatedScopeOfRangeOfCoverage.36768.11.6" xlink:href="asrv-20131231.xsd#asrv_AnticipatedScopeOfRangeOfCoverage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AnticipatedScopeOfRangeOfCoverage.36768.11.6" xlink:to="asrv_AnticipatedScopeOfRangeOfCoverage_lbl.458744.190769.307657" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AnticipatedScopeOfRangeOfCoverage_lbl.458744.190769.307657" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_AnticipatedScopeOfRangeOfCoverage_lbl.458744.190769.307657">Anticipated Scope of Range of Coverage</link:label>
    <link:loc xlink:label="loc_AnticipatedScopeOfRangeOfCoverage.36768.11.7" xlink:href="asrv-20131231.xsd#asrv_AnticipatedScopeOfRangeOfCoverage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AnticipatedScopeOfRangeOfCoverage.36768.11.7" xlink:to="asrv_AnticipatedScopeOfRangeOfCoverage_lbl.458745.190770.307658" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AnticipatedScopeOfRangeOfCoverage_lbl.458745.190770.307658" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_AnticipatedScopeOfRangeOfCoverage_lbl.458745.190770.307658">Anticipated scope of range-of-coverage</link:label>
    <link:loc xlink:label="loc_AnticipatedScopeOfRangeOfCoverage.36768.11.12" xlink:href="asrv-20131231.xsd#asrv_AnticipatedScopeOfRangeOfCoverage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AnticipatedScopeOfRangeOfCoverage.36768.11.12" xlink:to="asrv_AnticipatedScopeOfRangeOfCoverage_lbl.458746.190771.307659" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AnticipatedScopeOfRangeOfCoverage_lbl.458746.190771.307659" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_AnticipatedScopeOfRangeOfCoverage_lbl.458746.190771.307659">Anticipated scope of range of coverage.</link:label>
    <link:loc xlink:label="loc_CreditReviewsMandatoryForLoansAggregateBalances.36787.11.6" xlink:href="asrv-20131231.xsd#asrv_CreditReviewsMandatoryForLoansAggregateBalances" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CreditReviewsMandatoryForLoansAggregateBalances.36787.11.6" xlink:to="asrv_CreditReviewsMandatoryForLoansAggregateBalances_lbl.458738.190772.307660" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_CreditReviewsMandatoryForLoansAggregateBalances_lbl.458738.190772.307660" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_CreditReviewsMandatoryForLoansAggregateBalances_lbl.458738.190772.307660">Credit Reviews Mandatory for Loans Aggregate Balances</link:label>
    <link:loc xlink:label="loc_CreditReviewsMandatoryForLoansAggregateBalances.36787.11.7" xlink:href="asrv-20131231.xsd#asrv_CreditReviewsMandatoryForLoansAggregateBalances" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CreditReviewsMandatoryForLoansAggregateBalances.36787.11.7" xlink:to="asrv_CreditReviewsMandatoryForLoansAggregateBalances_lbl.458739.190773.307661" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_CreditReviewsMandatoryForLoansAggregateBalances_lbl.458739.190773.307661" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_CreditReviewsMandatoryForLoansAggregateBalances_lbl.458739.190773.307661">Credit reviews mandatory for loan aggregate balances with in 12-month period</link:label>
    <link:loc xlink:label="loc_CreditReviewsMandatoryForLoansAggregateBalances.36787.11.12" xlink:href="asrv-20131231.xsd#asrv_CreditReviewsMandatoryForLoansAggregateBalances" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CreditReviewsMandatoryForLoansAggregateBalances.36787.11.12" xlink:to="asrv_CreditReviewsMandatoryForLoansAggregateBalances_lbl.458740.190774.307662" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_CreditReviewsMandatoryForLoansAggregateBalances_lbl.458740.190774.307662" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_CreditReviewsMandatoryForLoansAggregateBalances_lbl.458740.190774.307662">Credit reviews mandatory for loans aggregate balances.</link:label>
    <link:loc xlink:label="loc_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure.36826.11.6" xlink:href="asrv-20131231.xsd#asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure.36826.11.6" xlink:to="asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure_lbl.458735.190775.307663" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure_lbl.458735.190775.307663" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure_lbl.458735.190775.307663">Individual Loan Balance is Classified as Nonaccrual Status or Troubled Debt Restructure</link:label>
    <link:loc xlink:label="loc_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure.36826.11.7" xlink:href="asrv-20131231.xsd#asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure.36826.11.7" xlink:to="asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure_lbl.458736.190776.307664" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure_lbl.458736.190776.307664" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure_lbl.458736.190776.307664">Individual loan balance is classified as nonaccrual status or troubled debt restructure</link:label>
    <link:loc xlink:label="loc_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure.36826.11.12" xlink:href="asrv-20131231.xsd#asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure.36826.11.12" xlink:to="asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure_lbl.458737.190777.307665" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure_lbl.458737.190777.307665" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure_lbl.458737.190777.307665">Individual loan balance is classified as nonaccrual status or troubled debt restructure.</link:label>
    <link:loc xlink:label="loc_LoansPastDueAsToMaturity.36834.11.6" xlink:href="asrv-20131231.xsd#asrv_LoansPastDueAsToMaturity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansPastDueAsToMaturity.36834.11.6" xlink:to="asrv_LoansPastDueAsToMaturity_lbl.458741.190778.307666" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_LoansPastDueAsToMaturity_lbl.458741.190778.307666" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_LoansPastDueAsToMaturity_lbl.458741.190778.307666">Loans Past Due as to Maturity</link:label>
    <link:loc xlink:label="loc_LoansPastDueAsToMaturity.36834.11.7" xlink:href="asrv-20131231.xsd#asrv_LoansPastDueAsToMaturity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansPastDueAsToMaturity.36834.11.7" xlink:to="asrv_LoansPastDueAsToMaturity_lbl.458742.190779.307667" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_LoansPastDueAsToMaturity_lbl.458742.190779.307667" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_LoansPastDueAsToMaturity_lbl.458742.190779.307667">Loans past due as to maturity, days</link:label>
    <link:loc xlink:label="loc_LoansPastDueAsToMaturity.36834.11.12" xlink:href="asrv-20131231.xsd#asrv_LoansPastDueAsToMaturity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansPastDueAsToMaturity.36834.11.12" xlink:to="asrv_LoansPastDueAsToMaturity_lbl.458743.190780.307668" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_LoansPastDueAsToMaturity_lbl.458743.190780.307668" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_LoansPastDueAsToMaturity_lbl.458743.190780.307668">Loans past due as to maturity.</link:label>
    <link:loc xlink:label="loc_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor.36849.11.6" xlink:href="asrv-20131231.xsd#asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor.36849.11.6" xlink:to="asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_lbl.458747.190781.307669" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_lbl.458747.190781.307669" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_lbl.458747.190781.307669">Number of Consecutive Historical Quarters for Calculation of Charge Off Factor</link:label>
    <link:loc xlink:label="loc_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor.36849.11.8" xlink:href="asrv-20131231.xsd#asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor.36849.11.8" xlink:to="asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_lbl.458748.190782.307670" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_lbl.458748.190782.307670" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_lbl.458748.190782.307670">Number of consecutive historical quarters for calculation of charge-off factor</link:label>
    <link:loc xlink:label="loc_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor.36849.11.12" xlink:href="asrv-20131231.xsd#asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor.36849.11.12" xlink:to="asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_lbl.458749.190783.307671" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_lbl.458749.190783.307671" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor_lbl.458749.190783.307671">Number of consecutive historical quarters for calculation of charge-off factor.</link:label>
    <link:loc xlink:label="loc_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment.37117.11.7" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment.37117.11.7" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.311581" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.311581" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.311581">Threshold for individually evaluating loans</link:label>
    <link:loc xlink:label="loc_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment.37117.11.12" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment.37117.11.12" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.311580" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.311580" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.311580">Financing Receivable, Allowance For Credit Losses, Threshold For Individually Evaluating Of Impairment.</link:label>
    <link:loc xlink:label="loc_FinancingReceivableMinimumPercentRequiredToBeReviewed.37115.11.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableMinimumPercentRequiredToBeReviewed.37115.11.6" xlink:to="lab_FinancingReceivableMinimumPercentRequiredToBeReviewed.311573" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableMinimumPercentRequiredToBeReviewed.311573" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableMinimumPercentRequiredToBeReviewed.311573">Financing Receivable Minimum Percent Required To Be Reviewed</link:label>
    <link:loc xlink:label="loc_FinancingReceivableMinimumPercentRequiredToBeReviewed.37115.11.7" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableMinimumPercentRequiredToBeReviewed.37115.11.7" xlink:to="lab_FinancingReceivableMinimumPercentRequiredToBeReviewed.311575" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableMinimumPercentRequiredToBeReviewed.311575" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableMinimumPercentRequiredToBeReviewed.311575">Minimum percent of portfolio to be reviewed</link:label>
    <link:loc xlink:label="loc_FinancingReceivableMinimumPercentRequiredToBeReviewed.37115.11.12" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableMinimumPercentRequiredToBeReviewed.37115.11.12" xlink:to="lab_FinancingReceivableMinimumPercentRequiredToBeReviewed.311574" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableMinimumPercentRequiredToBeReviewed.311574" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableMinimumPercentRequiredToBeReviewed.311574">Financing Receivable, Minimum Percent Required To Be Reviewed.</link:label>
    <link:loc xlink:label="loc_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.37116.11.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.37116.11.6" xlink:to="lab_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.311576" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.311576" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.311576">Financing Receivable Threshold Balance Which Requires Quarterly Reviews</link:label>
    <link:loc xlink:label="loc_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.37116.11.7" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.37116.11.7" xlink:to="lab_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.311578" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.311578" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.311578">Minimum individual loan balance requiring quarterly review</link:label>
    <link:loc xlink:label="loc_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.37116.11.12" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.37116.11.12" xlink:to="lab_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.311577" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.311577" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.311577">Financing Receivable, Threshold Balance Which Requires Quarterly Reviews.</link:label>
    <link:loc xlink:label="loc_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment.37117.11.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment.37117.11.6" xlink:to="lab_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment.311579" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment.311579" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment.311579">Financing Receivable Threshold For Individually Evaluating Of Impairment</link:label>
    <link:loc xlink:label="loc_ProvisionForLoanLeaseAndOtherLosses.15267.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProvisionForLoanLeaseAndOtherLosses.15267.11.52" xlink:to="lab_ProvisionForLoanLeaseAndOtherLosses.200336.307672" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ProvisionForLoanLeaseAndOtherLosses.200336.307672" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_ProvisionForLoanLeaseAndOtherLosses.200336.307672">Provision (credit) for loan losses</link:label>
    <link:loc xlink:label="loc_MaximumMember.3373.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaximumMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MaximumMember.3373.11.8" xlink:to="us-gaap_MaximumMember_lbl.458504.190478.308192" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_MaximumMember_lbl.458504.190478.308192" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_MaximumMember_lbl.458504.190478.308192">Maximum [Member]</link:label>
    <link:loc xlink:label="loc_MaximumMember.3373.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaximumMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MaximumMember.3373.11.6" xlink:to="us-gaap_MaximumMember_lbl.458505.190477.308193" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_MaximumMember_lbl.458505.190477.308193" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_MaximumMember_lbl.458505.190477.308193">Maximum [Member]</link:label>
    <link:loc xlink:label="loc_MinimumMember.3382.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MinimumMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MinimumMember.3382.11.6" xlink:to="us-gaap_MinimumMember_lbl.458502.190784.307673" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_MinimumMember_lbl.458502.190784.307673" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_MinimumMember_lbl.458502.190784.307673">Minimum [Member]</link:label>
    <link:loc xlink:label="loc_MinimumMember.3382.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MinimumMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MinimumMember.3382.11.8" xlink:to="us-gaap_MinimumMember_lbl.458503.190785.307674" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_MinimumMember_lbl.458503.190785.307674" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_MinimumMember_lbl.458503.190785.307674">Minimum [Member]</link:label>
    <link:loc xlink:label="loc_ProvisionForLoanLeaseAndOtherLosses.15267.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProvisionForLoanLeaseAndOtherLosses.15267.11.6" xlink:to="us-gaap_ProvisionForLoanLeaseAndOtherLosses_lbl.458661.190720.307675" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProvisionForLoanLeaseAndOtherLosses_lbl.458661.190720.307675" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProvisionForLoanLeaseAndOtherLosses_lbl.458661.190720.307675">Provision for Loan, Lease, and Other Losses</link:label>
    <link:loc xlink:label="loc_RangeAxis.4365.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RangeAxis.4365.11.6" xlink:to="us-gaap_RangeAxis_lbl.458500.190786.307676" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_RangeAxis_lbl.458500.190786.307676" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_RangeAxis_lbl.458500.190786.307676">Range [Axis]</link:label>
    <link:loc xlink:label="loc_RangeMember.4366.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RangeMember.4366.11.6" xlink:to="us-gaap_RangeMember_lbl.458501.190787.307677" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_RangeMember_lbl.458501.190787.307677" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_RangeMember_lbl.458501.190787.307677">Range [Domain]</link:label>
    <link:loc xlink:label="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.11.6" xlink:to="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_lbl.458628.190788.307678" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_lbl.458628.190788.307678" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_lbl.458628.190788.307678">Schedule of Accounts, Notes, Loans and Financing Receivable [Table]</link:label>
    <link:loc xlink:label="loc_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract.36831.11.6" xlink:href="asrv-20131231.xsd#asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract.36831.11.6" xlink:to="asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract_lbl.458714.190645.307679" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract_lbl.458714.190645.307679" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract_lbl.458714.190645.307679">Loan Portfolio Classified as Performance and Nonperformance [Abstract]</link:label>
    <link:loc xlink:label="loc_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract.36831.11.8" xlink:href="asrv-20131231.xsd#asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract.36831.11.8" xlink:to="asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract_lbl.458715.190646.307680" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract_lbl.458715.190646.307680" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract_lbl.458715.190646.307680">Performing and non-performing outstanding balances of the residential and consumer portfolios</link:label>
    <link:loc xlink:label="loc_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract.36831.11.12" xlink:href="asrv-20131231.xsd#asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract.36831.11.12" xlink:to="asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract_lbl.458716.190647.307681" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract_lbl.458716.190647.307681" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract_lbl.458716.190647.307681">Loan portfolio classified as performance and nonperformance.</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableConsumer.12509.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableConsumer" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableConsumer.12509.11.6" xlink:to="us-gaap_LoansAndLeasesReceivableConsumer_lbl.458717.190648.307682" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableConsumer_lbl.458717.190648.307682" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableConsumer_lbl.458717.190648.307682">Loans and Leases Receivable, Gross, Consumer</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableConsumer.12509.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableConsumer" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableConsumer.12509.11.8" xlink:to="us-gaap_LoansAndLeasesReceivableConsumer_lbl.458718.190649.307683" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableConsumer_lbl.458718.190649.307683" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableConsumer_lbl.458718.190649.307683">Outstanding balance of consumer loan</link:label>
    <link:loc xlink:label="loc_NonperformingFinancingReceivableMember.3476.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NonperformingFinancingReceivableMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonperformingFinancingReceivableMember.3476.11.8" xlink:to="us-gaap_NonperformingFinancingReceivableMember_lbl.458712.190651.307684" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NonperformingFinancingReceivableMember_lbl.458712.190651.307684" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_NonperformingFinancingReceivableMember_lbl.458712.190651.307684">Non-Performing [Member]</link:label>
    <link:loc xlink:label="loc_NonperformingFinancingReceivableMember.3476.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NonperformingFinancingReceivableMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonperformingFinancingReceivableMember.3476.11.6" xlink:to="us-gaap_NonperformingFinancingReceivableMember_lbl.458713.190650.307685" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NonperformingFinancingReceivableMember_lbl.458713.190650.307685" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_NonperformingFinancingReceivableMember_lbl.458713.190650.307685">Nonperforming Financing Receivable [Member]</link:label>
    <link:loc xlink:label="loc_PerformingFinancingReceivableMember.3917.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PerformingFinancingReceivableMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PerformingFinancingReceivableMember.3917.11.8" xlink:to="us-gaap_PerformingFinancingReceivableMember_lbl.458710.190653.307686" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PerformingFinancingReceivableMember_lbl.458710.190653.307686" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PerformingFinancingReceivableMember_lbl.458710.190653.307686">Performing [Member]</link:label>
    <link:loc xlink:label="loc_PerformingFinancingReceivableMember.3917.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PerformingFinancingReceivableMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PerformingFinancingReceivableMember.3917.11.6" xlink:to="us-gaap_PerformingFinancingReceivableMember_lbl.458711.190652.307687" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PerformingFinancingReceivableMember_lbl.458711.190652.307687" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PerformingFinancingReceivableMember_lbl.458711.190652.307687">Performing Financing Receivable [Member]</link:label>
    <link:loc xlink:label="loc_AllocationForGeneralRiskMember.36763.11.8" xlink:href="asrv-20131231.xsd#asrv_AllocationForGeneralRiskMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AllocationForGeneralRiskMember.36763.11.8" xlink:to="asrv_AllocationForGeneralRiskMember_lbl.458663.190711.307688" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AllocationForGeneralRiskMember_lbl.458663.190711.307688" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_AllocationForGeneralRiskMember_lbl.458663.190711.307688">Allocation for general risk [Member]</link:label>
    <link:loc xlink:label="loc_AllocationForGeneralRiskMember.36763.11.12" xlink:href="asrv-20131231.xsd#asrv_AllocationForGeneralRiskMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AllocationForGeneralRiskMember.36763.11.12" xlink:to="asrv_AllocationForGeneralRiskMember_lbl.458664.190712.307689" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AllocationForGeneralRiskMember_lbl.458664.190712.307689" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_AllocationForGeneralRiskMember_lbl.458664.190712.307689">Allocation for general risk.</link:label>
    <link:loc xlink:label="loc_AllocationForGeneralRiskMember.36763.11.6" xlink:href="asrv-20131231.xsd#asrv_AllocationForGeneralRiskMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AllocationForGeneralRiskMember.36763.11.6" xlink:to="lab_AllocationForGeneralRiskMember.190710.307690" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AllocationForGeneralRiskMember.190710.307690" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AllocationForGeneralRiskMember.190710.307690">Allocation For General Risk [Member]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLosses.10279.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLosses.10279.11.6" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl.458651.190713.307691" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl.458651.190713.307691" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl.458651.190713.307691">Financing Receivable, Allowance for Credit Losses</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLosses.10279.11.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLosses.10279.11.11" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl.458652.190715.307692" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl.458652.190715.307692" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl.458652.190715.307692">Balance at end of period</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLosses.10279.11.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLosses.10279.11.10" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl.458653.190714.307693" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl.458653.190714.307693" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl.458653.190714.307693">Balance at beginning of period</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesRecovery.10276.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesRecovery.10276.11.8" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery_lbl.458658.190717.307694" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery_lbl.458658.190717.307694" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery_lbl.458658.190717.307694">Recoveries</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesRecovery.10276.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesRecovery.10276.11.6" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery_lbl.458659.190716.307695" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery_lbl.458659.190716.307695" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery_lbl.458659.190716.307695">Financing Receivable, Allowance for Credit Losses, Recovery</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesWriteOffs.10268.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesWriteOffs.10268.11.6" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_lbl.458656.190718.307696" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_lbl.458656.190718.307696" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_lbl.458656.190718.307696">Financing Receivable, Allowance for Credit Losses, Charge-offs</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesWriteOffs.10268.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesWriteOffs.10268.11.52" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_lbl.458657.190719.307697" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_lbl.458657.190719.307697" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_lbl.458657.190719.307697">Charge-offs</link:label>
    <link:loc xlink:label="loc_ProvisionForLoanLeaseAndOtherLosses.15267.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProvisionForLoanLeaseAndOtherLosses.15267.11.8" xlink:to="us-gaap_ProvisionForLoanLeaseAndOtherLosses_lbl.458660.374055" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProvisionForLoanLeaseAndOtherLosses_lbl.458660.374055" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProvisionForLoanLeaseAndOtherLosses_lbl.458660.374055">Credit provision for loan losses</link:label>
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4764.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4764.11.6" xlink:to="us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_lbl.458648.190722.307698" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_lbl.458648.190722.307698" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_lbl.458648.190722.307698">Schedule of Financing Receivable, Allowance for Credit Losses [Table]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.10256.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.10256.11.6" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.459246.190701.307699" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.459246.190701.307699" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.459246.190701.307699">Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.10256.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.10256.11.8" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.459247.190702.307700" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.459247.190702.307700" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.459247.190702.307700">Specific reserve allocation</link:label>
    <link:loc xlink:label="loc_FinancingReceivableCollectivelyEvaluatedForImpairment.10288.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableCollectivelyEvaluatedForImpairment.10288.11.6" xlink:to="lab_FinancingReceivableCollectivelyEvaluatedForImpairment.459238.190703.307701" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableCollectivelyEvaluatedForImpairment.459238.190703.307701" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableCollectivelyEvaluatedForImpairment.459238.190703.307701">Financing Receivable, Collectively Evaluated for Impairment</link:label>
    <link:loc xlink:label="loc_FinancingReceivableCollectivelyEvaluatedForImpairment.10288.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableCollectivelyEvaluatedForImpairment.10288.11.8" xlink:to="lab_FinancingReceivableCollectivelyEvaluatedForImpairment.459239.190704.307702" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableCollectivelyEvaluatedForImpairment.459239.190704.307702" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableCollectivelyEvaluatedForImpairment.459239.190704.307702">Collectively evaluated for impairment</link:label>
    <link:loc xlink:label="loc_FinancingReceivableIndividuallyEvaluatedForImpairment.10277.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableIndividuallyEvaluatedForImpairment.10277.11.6" xlink:to="lab_FinancingReceivableIndividuallyEvaluatedForImpairment.459244.190705.307703" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableIndividuallyEvaluatedForImpairment.459244.190705.307703" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableIndividuallyEvaluatedForImpairment.459244.190705.307703">Financing Receivable, Individually Evaluated for Impairment</link:label>
    <link:loc xlink:label="loc_FinancingReceivableIndividuallyEvaluatedForImpairment.10277.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableIndividuallyEvaluatedForImpairment.10277.11.8" xlink:to="lab_FinancingReceivableIndividuallyEvaluatedForImpairment.459245.190706.307704" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableIndividuallyEvaluatedForImpairment.459245.190706.307704" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableIndividuallyEvaluatedForImpairment.459245.190706.307704">Individually evaluated for impairment</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLosses.10279.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLosses.10279.11.9" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl.458654.190707.307705" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl.458654.190707.307705" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl.458654.190707.307705">Total allowance for loan losses</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.10294.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.10294.11.6" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_lbl.458670.190708.307706" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_lbl.458670.190708.307706" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_lbl.458670.190708.307706">Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.10294.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.10294.11.7" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_lbl.458671.190709.307707" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_lbl.458671.190709.307707" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_lbl.458671.190709.307707">General reserve allocation</link:label>
    <link:loc xlink:label="loc_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock.36871.11.6" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock.36871.11.6" xlink:to="asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_lbl.458455.191251.307708" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_lbl.458455.191251.307708" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_lbl.458455.191251.307708">Schedule of Average Recorded Investment in Impaired Loans and Related Interest Income Recognized [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock.36871.11.8" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock.36871.11.8" xlink:to="asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_lbl.458456.191252.307709" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_lbl.458456.191252.307709" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_lbl.458456.191252.307709">Average Recorded Investment in Impaired Loans and Related Interest Income Recognized</link:label>
    <link:loc xlink:label="loc_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock.36871.11.12" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock.36871.11.12" xlink:to="asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_lbl.458457.191253.307710" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_lbl.458457.191253.307710" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock_lbl.458457.191253.307710">Schedule of average recorded investment in impaired loans and related interest income recognized.</link:label>
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock.36872.11.6" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock.36872.11.6" xlink:to="asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_lbl.459160.191254.307711" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_lbl.459160.191254.307711" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_lbl.459160.191254.307711">Schedule of Financing Receivable Performing and Nonperforming [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock.36872.11.8" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock.36872.11.8" xlink:to="asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_lbl.459161.191255.307712" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_lbl.459161.191255.307712" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_lbl.459161.191255.307712">Performing and Non-performing Outstanding Balances</link:label>
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock.36872.11.12" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock.36872.11.12" xlink:to="asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_lbl.459162.191256.307713" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_lbl.459162.191256.307713" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock_lbl.459162.191256.307713">Schedule of financing receivable performing and nonperforming.</link:label>
    <link:loc xlink:label="loc_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock.36874.11.6" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock.36874.11.6" xlink:to="asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_lbl.458450.191257.307714" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_lbl.458450.191257.307714" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_lbl.458450.191257.307714">Schedule of Primary Segments of Loan Portfolio [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock.36874.11.8" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock.36874.11.8" xlink:to="asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_lbl.458451.191258.307715" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_lbl.458451.191258.307715" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_lbl.458451.191258.307715">Summary of Primary Segments of Loan Portfolio</link:label>
    <link:loc xlink:label="loc_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock.36874.11.12" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock.36874.11.12" xlink:to="asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_lbl.458452.191259.307716" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_lbl.458452.191259.307716" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock_lbl.458452.191259.307716">Schedule of primary segments of the loan portfolio.</link:label>
    <link:loc xlink:label="loc_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock.5935.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock.5935.11.6" xlink:to="lab_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock.459232.191260.307717" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock.459232.191260.307717" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock.459232.191260.307717">Allowance for Credit Losses on Financing Receivables [Table Text Block]</link:label>
    <link:loc xlink:label="loc_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock.5935.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock.5935.11.8" xlink:to="lab_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock.459233.191261.307718" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock.459233.191261.307718" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock.459233.191261.307718">Rollforward of the Allowance for Loan Losses by Portfolio Segment</link:label>
    <link:loc xlink:label="loc_FinancingReceivableCreditQualityIndicatorsTableTextBlock.10281.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableCreditQualityIndicatorsTableTextBlock.10281.11.6" xlink:to="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_lbl.458458.191262.307719" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_lbl.458458.191262.307719" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_lbl.458458.191262.307719">Financing Receivable Credit Quality Indicators [Table Text Block]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableCreditQualityIndicatorsTableTextBlock.10281.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableCreditQualityIndicatorsTableTextBlock.10281.11.8" xlink:to="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_lbl.458459.191263.307720" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_lbl.458459.191263.307720" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_lbl.458459.191263.307720">Loan Portfolio Summarized by Categories</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivablesTableTextBlock.10983.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivablesTableTextBlock.10983.11.8" xlink:to="us-gaap_ImpairedFinancingReceivablesTableTextBlock_lbl.458453.191265.307721" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ImpairedFinancingReceivablesTableTextBlock_lbl.458453.191265.307721" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ImpairedFinancingReceivablesTableTextBlock_lbl.458453.191265.307721">Schedule of Impaired Loans by Class</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivablesTableTextBlock.10983.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivablesTableTextBlock.10983.11.6" xlink:to="us-gaap_ImpairedFinancingReceivablesTableTextBlock_lbl.458454.191264.307722" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ImpairedFinancingReceivablesTableTextBlock_lbl.458454.191264.307722" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ImpairedFinancingReceivablesTableTextBlock_lbl.458454.191264.307722">Impaired Financing Receivables [Table Text Block]</link:label>
    <link:loc xlink:label="loc_PastDueFinancingReceivablesTableTextBlock.14129.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PastDueFinancingReceivablesTableTextBlock.14129.11.6" xlink:to="us-gaap_PastDueFinancingReceivablesTableTextBlock_lbl.458460.191266.307723" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PastDueFinancingReceivablesTableTextBlock_lbl.458460.191266.307723" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PastDueFinancingReceivablesTableTextBlock_lbl.458460.191266.307723">Past Due Financing Receivables [Table Text Block]</link:label>
    <link:loc xlink:label="loc_PastDueFinancingReceivablesTableTextBlock.14129.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PastDueFinancingReceivablesTableTextBlock.14129.11.8" xlink:to="us-gaap_PastDueFinancingReceivablesTableTextBlock_lbl.458461.191267.307724" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PastDueFinancingReceivablesTableTextBlock_lbl.458461.191267.307724" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PastDueFinancingReceivablesTableTextBlock_lbl.458461.191267.307724">Classes of Loan Portfolio by Aging Categories</link:label>
    <link:loc xlink:label="loc_ComprehensiveIncomeNoteTextBlock.7191.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ComprehensiveIncomeNoteTextBlock.7191.11.6" xlink:to="lab_ComprehensiveIncomeNoteTextBlock.2823.191390.307725" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ComprehensiveIncomeNoteTextBlock.2823.191390.307725" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ComprehensiveIncomeNoteTextBlock.2823.191390.307725">Comprehensive Income (Loss) Note [Text Block]</link:label>
    <link:loc xlink:label="loc_ComprehensiveIncomeNoteTextBlock.7191.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ComprehensiveIncomeNoteTextBlock.7191.11.7" xlink:to="lab_ComprehensiveIncomeNoteTextBlock.511800.191391.307726" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ComprehensiveIncomeNoteTextBlock.511800.191391.307726" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ComprehensiveIncomeNoteTextBlock.511800.191391.307726">ACCUMULATED OTHER COMPREHENSIVE LOSS</link:label>
    <link:loc xlink:label="loc_PartnersCapitalComprehensiveIncomeAbstract.3942.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PartnersCapitalComprehensiveIncomeAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PartnersCapitalComprehensiveIncomeAbstract.3942.11.6" xlink:to="lab_PartnersCapitalComprehensiveIncomeAbstract.511805.191392.307727" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PartnersCapitalComprehensiveIncomeAbstract.511805.191392.307727" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PartnersCapitalComprehensiveIncomeAbstract.511805.191392.307727">ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.8151.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.8151.11.7" xlink:to="DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.280847.307728" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.280847.307728" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.280847.307728">Estimated prior service cost that will be amortized from accumulated other comprehensive income (loss)</link:label>
    <link:loc xlink:label="loc_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.36767.11.6" xlink:href="asrv-20131231.xsd#asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.36767.11.6" xlink:to="lab_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.511923.191416.307729" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.511923.191416.307729" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.511923.191416.307729">Amounts Reclassified From Accumulated Other Comprehensive Income Loss</link:label>
    <link:loc xlink:label="loc_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.36767.11.12" xlink:href="asrv-20131231.xsd#asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.36767.11.12" xlink:to="lab_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.511924.191418.307730" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.511924.191418.307730" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.511924.191418.307730">Amounts Reclassified From Accumulated Other Comprehensive Income Loss</link:label>
    <link:loc xlink:label="loc_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.36767.11.8" xlink:href="asrv-20131231.xsd#asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.36767.11.8" xlink:to="lab_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.511939.191417.307731" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.511939.191417.307731" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.511939.191417.307731">Total reclassifications for the period</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.8106.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.8106.11.7" xlink:to="lab_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.280846.307733" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.280846.307733" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.280846.307733">Transition asset</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.8106.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.8106.11.6" xlink:to="lab_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.4340.307732" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.4340.307732" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.4340.307732">Defined Benefit Plan, Future Amortization of Transition Obligation (Asset)</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanFutureAmortizationOfGainLoss.8152.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanFutureAmortizationOfGainLoss.8152.11.7" xlink:to="lab_DefinedBenefitPlanFutureAmortizationOfGainLoss.197980.307735" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanFutureAmortizationOfGainLoss.197980.307735" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanFutureAmortizationOfGainLoss.197980.307735">Estimated net loss that will be amortized from accumulated other comprehensive income (loss)</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanFutureAmortizationOfGainLoss.8152.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanFutureAmortizationOfGainLoss.8152.11.6" xlink:to="lab_DefinedBenefitPlanFutureAmortizationOfGainLoss.4402.307734" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanFutureAmortizationOfGainLoss.4402.307734" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanFutureAmortizationOfGainLoss.4402.307734">Defined Benefit Plan, Future Amortization of Gain (Loss)</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.8151.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.8151.11.6" xlink:to="lab_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.4401.307736" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.4401.307736" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.4401.307736">Defined Benefit Plan, Future Amortization of Prior Service Cost (Credit)</link:label>
    <link:loc xlink:label="loc_GainLossOnSaleOfInvestments.10646.11.57" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnSaleOfInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GainLossOnSaleOfInvestments.10646.11.57" xlink:to="lab_GainLossOnSaleOfInvestments.280850.307737" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GainLossOnSaleOfInvestments.280850.307737" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US" id="lab_GainLossOnSaleOfInvestments.280850.307737">Net realized gains on available for sale securities</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3807.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3807.11.6" xlink:to="lab_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.12824.191425.307738" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.12824.191425.307738" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.12824.191425.307738">Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax [Abstract]</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent.14107.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent.14107.11.6" xlink:to="lab_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent.13715.307739" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent.13715.307739" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent.13715.307739">Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax, Portion Attributable to Parent</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent.14107.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent.14107.11.8" xlink:to="lab_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent.280849.307740" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent.280849.307740" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent.280849.307740">Net of tax</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3785.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3785.11.6" xlink:to="lab_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.12791.191426.307741" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.12791.191426.307741" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.12791.191426.307741">Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Adjustment, Net of Tax [Abstract]</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3785.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3785.11.7" xlink:to="lab_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.511932.191427.307742" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.511932.191427.307742" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.511932.191427.307742">Amortization of defined benefit items</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.13768.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.13768.11.6" xlink:to="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.13156.307743" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.13156.307743" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.13156.307743">Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.13768.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.13768.11.52" xlink:to="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.197961.307744" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.197961.307744" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.197961.307744">Total before tax</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13760.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13760.11.6" xlink:to="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13143.307745" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13143.307745" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13143.307745">Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13760.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13760.11.8" xlink:to="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.197981.307746" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.197981.307746" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.197981.307746">Provision for income tax expense</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.13723.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.13723.11.6" xlink:to="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.13084.307747" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.13084.307747" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.13084.307747">Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Gain (Loss), before Tax</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.13723.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.13723.11.7" xlink:to="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.197983.307748" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.197983.307748" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.197983.307748">Total before tax</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax.13692.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax.13692.11.6" xlink:to="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax.13035.307749" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax.13035.307749" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax.13035.307749">Other Comprehensive (Income) Loss, Reclassification Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net (Gain) Loss, Net of Tax</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax.13692.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax.13692.11.7" xlink:to="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax.197985.307750" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax.197985.307750" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax.197985.307750">Net of tax</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax.13673.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax.13673.11.6" xlink:to="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax.13000.307751" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax.13000.307751" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax.13000.307751">Other Comprehensive (Income) Loss, Reclassification Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net (Gain) Loss, Tax</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax.13673.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax.13673.11.7" xlink:to="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax.197984.307752" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax.197984.307752" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax.197984.307752">Provision for income tax expense</link:label>
    <link:loc xlink:label="loc_GainLossOnSaleOfInvestments.10646.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnSaleOfInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GainLossOnSaleOfInvestments.10646.11.6" xlink:to="us-gaap_GainLossOnSaleOfInvestments_lbl.458330.190992.307753" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_GainLossOnSaleOfInvestments_lbl.458330.190992.307753" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_GainLossOnSaleOfInvestments_lbl.458330.190992.307753">Gain (Loss) on Sale of Investments</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3807.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3807.11.7" xlink:to="us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract_lbl.511926.191439.307754" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract_lbl.511926.191439.307754" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract_lbl.511926.191439.307754">Unrealized gains and losses on sale of securities:</link:label>
    <link:loc xlink:label="loc_AccumulatedNetUnrealizedInvestmentGainLossMember.465.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedNetUnrealizedInvestmentGainLossMember.465.11.7" xlink:to="lab_AccumulatedNetUnrealizedInvestmentGainLossMember.511915.191398.307755" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedNetUnrealizedInvestmentGainLossMember.511915.191398.307755" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedNetUnrealizedInvestmentGainLossMember.511915.191398.307755">Net Unrealized Gains and Losses on Investment Securities [Member]</link:label>
    <link:loc xlink:label="loc_AccumulatedNetUnrealizedInvestmentGainLossMember.465.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedNetUnrealizedInvestmentGainLossMember.465.11.6" xlink:to="lab_AccumulatedNetUnrealizedInvestmentGainLossMember.597.191397.307756" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedNetUnrealizedInvestmentGainLossMember.597.191397.307756" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedNetUnrealizedInvestmentGainLossMember.597.191397.307756">Accumulated Net Unrealized Investment Gain (Loss) [Member]</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.11.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.11.10" xlink:to="lab_AccumulatedOtherComprehensiveIncomeLossNetOfTax.511917.191399.307757" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveIncomeLossNetOfTax.511917.191399.307757" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveIncomeLossNetOfTax.511917.191399.307757">Beginning Balance</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.11.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.11.11" xlink:to="lab_AccumulatedOtherComprehensiveIncomeLossNetOfTax.511918.191400.307758" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveIncomeLossNetOfTax.511918.191400.307758" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveIncomeLossNetOfTax.511918.191400.307758">Ending Balance</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveLossLineItems.36760.11.6" xlink:href="asrv-20131231.xsd#asrv_AccumulatedOtherComprehensiveLossLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveLossLineItems.36760.11.6" xlink:to="lab_AccumulatedOtherComprehensiveLossLineItems.511913.191401.307759" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveLossLineItems.511913.191401.307759" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveLossLineItems.511913.191401.307759">Accumulated Other Comprehensive Loss [Line Items]</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveLossLineItems.36760.11.12" xlink:href="asrv-20131231.xsd#asrv_AccumulatedOtherComprehensiveLossLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveLossLineItems.36760.11.12" xlink:to="lab_AccumulatedOtherComprehensiveLossLineItems.511914.191402.307760" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveLossLineItems.511914.191402.307760" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveLossLineItems.511914.191402.307760">Accumulated Other Comprehensive Loss [Line Items]</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveLossTable.36761.11.6" xlink:href="asrv-20131231.xsd#asrv_AccumulatedOtherComprehensiveLossTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveLossTable.36761.11.6" xlink:to="lab_AccumulatedOtherComprehensiveLossTable.511911.191403.307761" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveLossTable.511911.191403.307761" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveLossTable.511911.191403.307761">Accumulated Other Comprehensive Loss [Table]</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveLossTable.36761.11.12" xlink:href="asrv-20131231.xsd#asrv_AccumulatedOtherComprehensiveLossTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveLossTable.36761.11.12" xlink:to="lab_AccumulatedOtherComprehensiveLossTable.511912.191404.307762" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveLossTable.511912.191404.307762" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveLossTable.511912.191404.307762">Accumulated Other Comprehensive Loss [Table]</link:label>
    <link:loc xlink:label="loc_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.36767.11.7" xlink:href="asrv-20131231.xsd#asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.36767.11.7" xlink:to="lab_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.511925.191405.307763" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.511925.191405.307763" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.511925.191405.307763">Amounts reclassified from accumulated other comprehensive loss</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLocationAxis.3750.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLocationAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLocationAxis.3750.11.6" xlink:to="lab_OtherComprehensiveIncomeLocationAxis.12578.191406.307764" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLocationAxis.12578.191406.307764" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLocationAxis.12578.191406.307764">Other Comprehensive Income Location [Axis]</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLocationDomain.3760.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLocationDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLocationDomain.3760.11.6" xlink:to="lab_OtherComprehensiveIncomeLocationDomain.12647.191407.307765" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLocationDomain.12647.191407.307765" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLocationDomain.12647.191407.307765">Other Comprehensive Income Location [Domain]</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossBeforeReclassifications.36854.11.6" xlink:href="asrv-20131231.xsd#asrv_OtherComprehensiveIncomeLossBeforeReclassifications" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossBeforeReclassifications.36854.11.6" xlink:to="lab_OtherComprehensiveIncomeLossBeforeReclassifications.511920.191408.307766" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossBeforeReclassifications.511920.191408.307766" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossBeforeReclassifications.511920.191408.307766">Other Comprehensive Income Loss Before Reclassifications</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossBeforeReclassifications.36854.11.12" xlink:href="asrv-20131231.xsd#asrv_OtherComprehensiveIncomeLossBeforeReclassifications" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossBeforeReclassifications.36854.11.12" xlink:to="lab_OtherComprehensiveIncomeLossBeforeReclassifications.511921.191410.307767" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossBeforeReclassifications.511921.191410.307767" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossBeforeReclassifications.511921.191410.307767">The amount of other comprehensive income (loss) before reclassifications.</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossBeforeReclassifications.36854.11.7" xlink:href="asrv-20131231.xsd#asrv_OtherComprehensiveIncomeLossBeforeReclassifications" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossBeforeReclassifications.36854.11.7" xlink:to="lab_OtherComprehensiveIncomeLossBeforeReclassifications.511922.191409.307768" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossBeforeReclassifications.511922.191409.307768" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossBeforeReclassifications.511922.191409.307768">Other comprehensive income (loss) before reclassifications</link:label>
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PensionPlansDefinedBenefitMember.4013.11.6" xlink:to="lab_PensionPlansDefinedBenefitMember.13659.191411.307769" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PensionPlansDefinedBenefitMember.13659.191411.307769" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PensionPlansDefinedBenefitMember.13659.191411.307769">Pension Plans, Defined Benefit [Member]</link:label>
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PensionPlansDefinedBenefitMember.4013.11.7" xlink:to="lab_PensionPlansDefinedBenefitMember.511916.191412.307770" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PensionPlansDefinedBenefitMember.511916.191412.307770" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PensionPlansDefinedBenefitMember.511916.191412.307770">Defined Benefit Pension Items [Member]</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.11.8" xlink:to="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.511919.191413.307771" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.511919.191413.307771" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.511919.191413.307771">Net current period other comprehensive loss</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.11.6" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl.458183.191414.307772" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl.458183.191414.307772" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl.458183.191414.307772">Accumulated Other Comprehensive Income (Loss), Net of Tax</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.11.6" xlink:to="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_lbl.458524.191415.307773" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_lbl.458524.191415.307773" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_lbl.458524.191415.307773">Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent</link:label>
    <link:loc xlink:label="loc_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock.36934.11.6" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock.36934.11.6" xlink:to="lab_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock.309349" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock.309349" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock.309349">Schedule Of Amounts Reclassified Out Of Accumulated Other Comprehensive Loss [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock.36934.11.7" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock.36934.11.7" xlink:to="lab_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock.309351" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock.309351" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock.309351">Schedule of Amounts Reclassified out of Each Component of Accumulated Other Comprehensive Loss</link:label>
    <link:loc xlink:label="loc_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock.36934.11.12" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock.36934.11.12" xlink:to="lab_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock.309350" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock.309350" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock.309350">Tabular disclosure of amounts reclassified out of accumulated other comprehensive loss.</link:label>
    <link:loc xlink:label="loc_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.36968.11.6" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.36968.11.6" xlink:to="lab_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.309853" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.309853" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.309853">Schedule Of Changes In Each Component Of Accumulated Other Comprehensive Income Loss [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.36968.11.7" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.36968.11.7" xlink:to="lab_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.309855" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.309855" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.309855">Schedule of Changes in Each Component of Accumulated Other Comprehensive Loss</link:label>
    <link:loc xlink:label="loc_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.36968.11.12" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.36968.11.12" xlink:to="lab_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.309854" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.309854" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.309854">Tabular discosure of changes in each component of accumulated other comprehensive income (loss).</link:label>
    <link:loc xlink:label="loc_AccountingPoliciesAbstract.414.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccountingPoliciesAbstract.414.11.6" xlink:to="us-gaap_AccountingPoliciesAbstract_lbl.458397.191193.307778" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AccountingPoliciesAbstract_lbl.458397.191193.307778" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AccountingPoliciesAbstract_lbl.458397.191193.307778">SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]</link:label>
    <link:loc xlink:label="loc_SignificantAccountingPoliciesTextBlock.17124.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SignificantAccountingPoliciesTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SignificantAccountingPoliciesTextBlock.17124.11.6" xlink:to="us-gaap_SignificantAccountingPoliciesTextBlock_lbl.458398.191194.307779" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_SignificantAccountingPoliciesTextBlock_lbl.458398.191194.307779" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_SignificantAccountingPoliciesTextBlock_lbl.458398.191194.307779">Basis of Accounting</link:label>
    <link:loc xlink:label="loc_SignificantAccountingPoliciesTextBlock.17124.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SignificantAccountingPoliciesTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SignificantAccountingPoliciesTextBlock.17124.11.8" xlink:to="us-gaap_SignificantAccountingPoliciesTextBlock_lbl.458399.191195.307780" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_SignificantAccountingPoliciesTextBlock_lbl.458399.191195.307780" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_SignificantAccountingPoliciesTextBlock_lbl.458399.191195.307780">SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</link:label>
    <link:loc xlink:label="loc_CommitmentsAndContingenciesDisclosureAbstract.1079.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommitmentsAndContingenciesDisclosureAbstract.1079.11.6" xlink:to="us-gaap_CommitmentsAndContingenciesDisclosureAbstract_lbl.458428.191223.307793" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommitmentsAndContingenciesDisclosureAbstract_lbl.458428.191223.307793" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommitmentsAndContingenciesDisclosureAbstract_lbl.458428.191223.307793">COMMITMENTS AND CONTINGENT LIABILITIES [Abstract]</link:label>
    <link:loc xlink:label="loc_CommitmentsAndContingenciesDisclosureTextBlock.7125.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommitmentsAndContingenciesDisclosureTextBlock.7125.11.6" xlink:to="us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_lbl.458429.191224.307794" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_lbl.458429.191224.307794" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_lbl.458429.191224.307794">Commitments and Contingencies Disclosure [Text Block]</link:label>
    <link:loc xlink:label="loc_CommitmentsAndContingenciesDisclosureTextBlock.7125.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommitmentsAndContingenciesDisclosureTextBlock.7125.11.8" xlink:to="us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_lbl.458430.191225.307795" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_lbl.458430.191225.307795" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_lbl.458430.191225.307795">COMMITMENTS AND CONTINGENT LIABILITIES</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsLiabilitiesNet.7910.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsLiabilitiesNet.7910.11.6" xlink:to="lab_DeferredTaxAssetsLiabilitiesNet.4058" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsLiabilitiesNet.4058" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsLiabilitiesNet.4058">Deferred Tax Assets, Net</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsLiabilitiesNet.7910.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsLiabilitiesNet.7910.11.8" xlink:to="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet.368891" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet.368891" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet.368891">Net deferred tax asset</link:label>
    <link:loc xlink:label="loc_AccruedInvestmentIncomeReceivable.5738.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccruedInvestmentIncomeReceivable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccruedInvestmentIncomeReceivable.5738.11.6" xlink:to="us-gaap_AccruedInvestmentIncomeReceivable_lbl.458131.190789.307807" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AccruedInvestmentIncomeReceivable_lbl.458131.190789.307807" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AccruedInvestmentIncomeReceivable_lbl.458131.190789.307807">Accrued Investment Income Receivable</link:label>
    <link:loc xlink:label="loc_AccruedInvestmentIncomeReceivable.5738.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccruedInvestmentIncomeReceivable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccruedInvestmentIncomeReceivable.5738.11.8" xlink:to="us-gaap_AccruedInvestmentIncomeReceivable_lbl.458132.190790.307808" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AccruedInvestmentIncomeReceivable_lbl.458132.190790.307808" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AccruedInvestmentIncomeReceivable_lbl.458132.190790.307808">Accrued interest income receivable</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.11.8" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl.458184.190791.307809" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl.458184.190791.307809" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl.458184.190791.307809">Accumulated other comprehensive loss, net</link:label>
    <link:loc xlink:label="loc_AdditionalPaidInCapitalCommonStock.5814.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdditionalPaidInCapitalCommonStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AdditionalPaidInCapitalCommonStock.5814.11.6" xlink:to="us-gaap_AdditionalPaidInCapitalCommonStock_lbl.458179.190792.307810" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AdditionalPaidInCapitalCommonStock_lbl.458179.190792.307810" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AdditionalPaidInCapitalCommonStock_lbl.458179.190792.307810">Additional Paid in Capital, Common Stock</link:label>
    <link:loc xlink:label="loc_AdditionalPaidInCapitalCommonStock.5814.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdditionalPaidInCapitalCommonStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AdditionalPaidInCapitalCommonStock.5814.11.8" xlink:to="us-gaap_AdditionalPaidInCapitalCommonStock_lbl.458180.190793.307811" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AdditionalPaidInCapitalCommonStock_lbl.458180.190793.307811" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AdditionalPaidInCapitalCommonStock_lbl.458180.190793.307811">Capital surplus</link:label>
    <link:loc xlink:label="loc_Assets.6057.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Assets.6057.11.6" xlink:to="us-gaap_Assets_lbl.458147.190794.307812" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_Assets_lbl.458147.190794.307812" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_Assets_lbl.458147.190794.307812">Assets</link:label>
    <link:loc xlink:label="loc_Assets.6057.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Assets.6057.11.9" xlink:to="us-gaap_Assets_lbl.458148.190795.307813" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_Assets_lbl.458148.190795.307813" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_Assets_lbl.458148.190795.307813">TOTAL ASSETS</link:label>
    <link:loc xlink:label="loc_AssetsAbstract.620.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AssetsAbstract.620.11.6" xlink:to="us-gaap_AssetsAbstract_lbl.458100.190796.307814" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AssetsAbstract_lbl.458100.190796.307814" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AssetsAbstract_lbl.458100.190796.307814">Assets [Abstract]</link:label>
    <link:loc xlink:label="loc_AssetsAbstract.620.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AssetsAbstract.620.11.8" xlink:to="us-gaap_AssetsAbstract_lbl.458101.190797.307815" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AssetsAbstract_lbl.458101.190797.307815" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AssetsAbstract_lbl.458101.190797.307815">ASSETS</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecurities.6182.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecurities.6182.11.6" xlink:to="us-gaap_AvailableForSaleSecurities_lbl.458114.190798.307816" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecurities_lbl.458114.190798.307816" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecurities_lbl.458114.190798.307816">Available-for-sale Securities</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecurities.6182.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecurities.6182.11.8" xlink:to="us-gaap_AvailableForSaleSecurities_lbl.458116.190799.307817" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecurities_lbl.458116.190799.307817" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecurities_lbl.458116.190799.307817">Available for sale</link:label>
    <link:loc xlink:label="loc_BankOwnedLifeInsurance.6282.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BankOwnedLifeInsurance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BankOwnedLifeInsurance.6282.11.6" xlink:to="us-gaap_BankOwnedLifeInsurance_lbl.458135.190800.307818" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_BankOwnedLifeInsurance_lbl.458135.190800.307818" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_BankOwnedLifeInsurance_lbl.458135.190800.307818">Bank Owned Life Insurance</link:label>
    <link:loc xlink:label="loc_BankOwnedLifeInsurance.6282.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BankOwnedLifeInsurance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BankOwnedLifeInsurance.6282.11.8" xlink:to="us-gaap_BankOwnedLifeInsurance_lbl.458136.190801.307819" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_BankOwnedLifeInsurance_lbl.458136.190801.307819" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_BankOwnedLifeInsurance_lbl.458136.190801.307819">Bank owned life insurance</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsAtCarryingValue.6843.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsAtCarryingValue.6843.11.6" xlink:to="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl.458108.190802.307820" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl.458108.190802.307820" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl.458108.190802.307820">Cash and Cash Equivalents, at Carrying Value</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsAtCarryingValue.6843.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsAtCarryingValue.6843.11.9" xlink:to="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl.458111.190803.307821" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl.458111.190803.307821" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl.458111.190803.307821">Total cash and cash equivalents</link:label>
    <link:loc xlink:label="loc_CashAndDueFromBanks.6815.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndDueFromBanks.6815.11.8" xlink:to="us-gaap_CashAndDueFromBanks_lbl.458102.190805.307822" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CashAndDueFromBanks_lbl.458102.190805.307822" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CashAndDueFromBanks_lbl.458102.190805.307822">Cash and due from depository institutions</link:label>
    <link:loc xlink:label="loc_CashAndDueFromBanks.6815.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndDueFromBanks.6815.11.6" xlink:to="us-gaap_CashAndDueFromBanks_lbl.458103.190804.307823" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CashAndDueFromBanks_lbl.458103.190804.307823" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CashAndDueFromBanks_lbl.458103.190804.307823">Cash and Due from Banks</link:label>
    <link:loc xlink:label="loc_CommonStockValue.7134.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockValue.7134.11.8" xlink:to="us-gaap_CommonStockValue_lbl.458175.190807.307824" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommonStockValue_lbl.458175.190807.307824" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommonStockValue_lbl.458175.190807.307824">Common stock, par value $0.01 per share; 30,000,000 shares authorized: 26,402,007 shares issued and 18,784,188 shares outstanding on December 31, 2013; 26,398,540 shares issued and 19,164,721 shares outstanding on December 31, 2012</link:label>
    <link:loc xlink:label="loc_CommonStockValue.7134.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockValue.7134.11.6" xlink:to="us-gaap_CommonStockValue_lbl.458176.190806.307825" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommonStockValue_lbl.458176.190806.307825" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommonStockValue_lbl.458176.190806.307825">Common Stock, Value, Issued</link:label>
    <link:loc xlink:label="loc_DebtAndCapitalLeaseObligations.7647.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligations" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtAndCapitalLeaseObligations.7647.11.6" xlink:to="us-gaap_DebtAndCapitalLeaseObligations_lbl.458165.190808.307826" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DebtAndCapitalLeaseObligations_lbl.458165.190808.307826" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_DebtAndCapitalLeaseObligations_lbl.458165.190808.307826">Debt and Capital Lease Obligations</link:label>
    <link:loc xlink:label="loc_DebtAndCapitalLeaseObligations.7647.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligations" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtAndCapitalLeaseObligations.7647.11.9" xlink:to="us-gaap_DebtAndCapitalLeaseObligations_lbl.458166.190809.307827" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DebtAndCapitalLeaseObligations_lbl.458166.190809.307827" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_DebtAndCapitalLeaseObligations_lbl.458166.190809.307827">Total borrowed funds</link:label>
    <link:loc xlink:label="loc_Deposits.8332.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Deposits.8332.11.6" xlink:to="us-gaap_Deposits_lbl.458156.190812.307830" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_Deposits_lbl.458156.190812.307830" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_Deposits_lbl.458156.190812.307830">Deposits</link:label>
    <link:loc xlink:label="loc_Deposits.8332.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Deposits.8332.11.9" xlink:to="us-gaap_Deposits_lbl.458157.190813.307831" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_Deposits_lbl.458157.190813.307831" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_Deposits_lbl.458157.190813.307831">Total deposits</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesLongTerm.10065.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesLongTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesLongTerm.10065.11.8" xlink:to="us-gaap_FederalHomeLoanBankAdvancesLongTerm_lbl.458162.190815.307833" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FederalHomeLoanBankAdvancesLongTerm_lbl.458162.190815.307833" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankAdvancesLongTerm_lbl.458162.190815.307833">Advances from Federal Home Loan Bank</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesShortTerm.10073.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesShortTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesShortTerm.10073.11.6" xlink:to="us-gaap_FederalHomeLoanBankAdvancesShortTerm_lbl.458158.190816.307834" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FederalHomeLoanBankAdvancesShortTerm_lbl.458158.190816.307834" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankAdvancesShortTerm_lbl.458158.190816.307834">Federal Home Loan Bank, Advances, Short-term</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesShortTerm.10073.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesShortTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesShortTerm.10073.11.8" xlink:to="us-gaap_FederalHomeLoanBankAdvancesShortTerm_lbl.458159.190817.307835" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FederalHomeLoanBankAdvancesShortTerm_lbl.458159.190817.307835" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankAdvancesShortTerm_lbl.458159.190817.307835">Short-term borrowings</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankStock.10017.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankStock.10017.11.6" xlink:to="us-gaap_FederalHomeLoanBankStock_lbl.458139.190818.307836" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FederalHomeLoanBankStock_lbl.458139.190818.307836" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankStock_lbl.458139.190818.307836">Federal Home Loan Bank Stock</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankStock.10017.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankStock.10017.11.8" xlink:to="us-gaap_FederalHomeLoanBankStock_lbl.458140.190819.307837" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FederalHomeLoanBankStock_lbl.458140.190819.307837" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankStock_lbl.458140.190819.307837">Federal Home Loan Bank stock</link:label>
    <link:loc xlink:label="loc_FederalReserveBankStock.10052.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalReserveBankStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalReserveBankStock.10052.11.6" xlink:to="us-gaap_FederalReserveBankStock_lbl.458141.190820.307838" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FederalReserveBankStock_lbl.458141.190820.307838" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FederalReserveBankStock_lbl.458141.190820.307838">Federal Reserve Bank Stock</link:label>
    <link:loc xlink:label="loc_FederalReserveBankStock.10052.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalReserveBankStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalReserveBankStock.10052.11.8" xlink:to="us-gaap_FederalReserveBankStock_lbl.458142.190821.307839" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FederalReserveBankStock_lbl.458142.190821.307839" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FederalReserveBankStock_lbl.458142.190821.307839">Federal Reserve Bank stock</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLosses.10279.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLosses.10279.11.8" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl.458655.190822.307840" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl.458655.190822.307840" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableAllowanceForCreditLosses_lbl.458655.190822.307840">Allowance for loan losses</link:label>
    <link:loc xlink:label="loc_Goodwill.10732.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Goodwill" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Goodwill.10732.11.6" xlink:to="us-gaap_Goodwill_lbl.458133.190823.307841" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_Goodwill_lbl.458133.190823.307841" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_Goodwill_lbl.458133.190823.307841">Goodwill</link:label>
    <link:loc xlink:label="loc_Goodwill.10732.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Goodwill" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Goodwill.10732.11.8" xlink:to="us-gaap_Goodwill_lbl.458134.190824.307842" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_Goodwill_lbl.458134.190824.307842" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_Goodwill_lbl.458134.190824.307842">Goodwill</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecurities.10889.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecurities.10889.11.6" xlink:to="us-gaap_HeldToMaturitySecurities_lbl.458117.190825.307843" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecurities_lbl.458117.190825.307843" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecurities_lbl.458117.190825.307843">Held-to-maturity Securities</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecurities.10889.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecurities.10889.11.7" xlink:to="us-gaap_HeldToMaturitySecurities_lbl.458118.190826.307844" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecurities_lbl.458118.190826.307844" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecurities_lbl.458118.190826.307844">Held to maturity (fair value $17,788 at December 31, 2013 and $14,266 at December 31, 2012)</link:label>
    <link:loc xlink:label="loc_InterestBearingDepositLiabilities.11782.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositLiabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestBearingDepositLiabilities.11782.11.6" xlink:to="us-gaap_InterestBearingDepositLiabilities_lbl.458154.190827.307845" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestBearingDepositLiabilities_lbl.458154.190827.307845" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestBearingDepositLiabilities_lbl.458154.190827.307845">Interest-bearing Deposit Liabilities</link:label>
    <link:loc xlink:label="loc_InterestBearingDepositLiabilities.11782.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositLiabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestBearingDepositLiabilities.11782.11.8" xlink:to="us-gaap_InterestBearingDepositLiabilities_lbl.458155.190828.307846" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestBearingDepositLiabilities_lbl.458155.190828.307846" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestBearingDepositLiabilities_lbl.458155.190828.307846">Interest bearing deposits</link:label>
    <link:loc xlink:label="loc_InterestBearingDepositsInBanks.11793.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositsInBanks" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestBearingDepositsInBanks.11793.11.6" xlink:to="us-gaap_InterestBearingDepositsInBanks_lbl.458104.190829.307847" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestBearingDepositsInBanks_lbl.458104.190829.307847" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestBearingDepositsInBanks_lbl.458104.190829.307847">Interest-bearing Deposits in Banks and Other Financial Institutions</link:label>
    <link:loc xlink:label="loc_InterestBearingDepositsInBanks.11793.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositsInBanks" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestBearingDepositsInBanks.11793.11.8" xlink:to="us-gaap_InterestBearingDepositsInBanks_lbl.458105.190830.307848" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestBearingDepositsInBanks_lbl.458105.190830.307848" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestBearingDepositsInBanks_lbl.458105.190830.307848">Interest bearing deposits</link:label>
    <link:loc xlink:label="loc_JuniorSubordinatedNotes.12033.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_JuniorSubordinatedNotes" xlink:type="locator" />
    <link:labelArc xlink:from="loc_JuniorSubordinatedNotes.12033.11.8" xlink:to="us-gaap_JuniorSubordinatedNotes_lbl.458164.190832.307850" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_JuniorSubordinatedNotes_lbl.458164.190832.307850" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_JuniorSubordinatedNotes_lbl.458164.190832.307850">Guaranteed junior subordinated deferrable interest debentures</link:label>
    <link:loc xlink:label="loc_Liabilities.12166.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Liabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Liabilities.12166.11.6" xlink:to="us-gaap_Liabilities_lbl.458169.190833.307851" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_Liabilities_lbl.458169.190833.307851" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_Liabilities_lbl.458169.190833.307851">Liabilities</link:label>
    <link:loc xlink:label="loc_Liabilities.12166.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Liabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Liabilities.12166.11.9" xlink:to="us-gaap_Liabilities_lbl.458170.190834.307852" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_Liabilities_lbl.458170.190834.307852" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_Liabilities_lbl.458170.190834.307852">TOTAL LIABILITIES</link:label>
    <link:loc xlink:label="loc_LiabilitiesAbstract.3056.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LiabilitiesAbstract.3056.11.6" xlink:to="us-gaap_LiabilitiesAbstract_lbl.458150.190835.307853" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LiabilitiesAbstract_lbl.458150.190835.307853" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LiabilitiesAbstract_lbl.458150.190835.307853">Liabilities [Abstract]</link:label>
    <link:loc xlink:label="loc_LiabilitiesAbstract.3056.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LiabilitiesAbstract.3056.11.8" xlink:to="us-gaap_LiabilitiesAbstract_lbl.458151.190836.307854" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LiabilitiesAbstract_lbl.458151.190836.307854" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_LiabilitiesAbstract_lbl.458151.190836.307854">LIABILITIES</link:label>
    <link:loc xlink:label="loc_LiabilitiesAndStockholdersEquity.12135.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LiabilitiesAndStockholdersEquity.12135.11.6" xlink:to="us-gaap_LiabilitiesAndStockholdersEquity_lbl.458187.190837.307855" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LiabilitiesAndStockholdersEquity_lbl.458187.190837.307855" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LiabilitiesAndStockholdersEquity_lbl.458187.190837.307855">Liabilities and Stockholders' Equity</link:label>
    <link:loc xlink:label="loc_LiabilitiesAndStockholdersEquity.12135.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LiabilitiesAndStockholdersEquity.12135.11.9" xlink:to="us-gaap_LiabilitiesAndStockholdersEquity_lbl.458188.190838.307856" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LiabilitiesAndStockholdersEquity_lbl.458188.190838.307856" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_LiabilitiesAndStockholdersEquity_lbl.458188.190838.307856">TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableDeferredIncome.12529.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableDeferredIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableDeferredIncome.12529.11.7" xlink:to="us-gaap_LoansAndLeasesReceivableDeferredIncome_lbl.458124.190840.307857" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableDeferredIncome_lbl.458124.190840.307857" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableDeferredIncome_lbl.458124.190840.307857">Less: Unearned income</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableDeferredIncome.12529.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableDeferredIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableDeferredIncome.12529.11.6" xlink:to="us-gaap_LoansAndLeasesReceivableDeferredIncome_lbl.458125.190839.307858" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableDeferredIncome_lbl.458125.190839.307858" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableDeferredIncome_lbl.458125.190839.307858">Loans and Leases Receivable, Deferred Income</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableGrossCarryingAmount.12566.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableGrossCarryingAmount.12566.11.6" xlink:to="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl.458122.190841.307859" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl.458122.190841.307859" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl.458122.190841.307859">Loans and Leases Receivable, Gross</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableGrossCarryingAmount.12566.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableGrossCarryingAmount.12566.11.8" xlink:to="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl.458123.190842.307860" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl.458123.190842.307860" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl.458123.190842.307860">Loans</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetReportedAmount.12598.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableNetReportedAmount.12598.11.6" xlink:to="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl.458127.190843.307861" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl.458127.190843.307861" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl.458127.190843.307861">Loans and Leases Receivable, Net Amount</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetReportedAmount.12598.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableNetReportedAmount.12598.11.9" xlink:to="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl.458128.190844.307862" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl.458128.190844.307862" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl.458128.190844.307862">Net loans</link:label>
    <link:loc xlink:label="loc_LoansHeldForSaleMortgages.12627.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansHeldForSaleMortgages" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansHeldForSaleMortgages.12627.11.6" xlink:to="us-gaap_LoansHeldForSaleMortgages_lbl.458120.190845.307863" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansHeldForSaleMortgages_lbl.458120.190845.307863" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansHeldForSaleMortgages_lbl.458120.190845.307863">Loans Held-for-sale, Mortgages</link:label>
    <link:loc xlink:label="loc_LoansHeldForSaleMortgages.12627.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansHeldForSaleMortgages" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansHeldForSaleMortgages.12627.11.8" xlink:to="us-gaap_LoansHeldForSaleMortgages_lbl.458121.190846.307864" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansHeldForSaleMortgages_lbl.458121.190846.307864" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansHeldForSaleMortgages_lbl.458121.190846.307864">Loans held for sale</link:label>
    <link:loc xlink:label="loc_MarketableSecuritiesAbstract.3346.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MarketableSecuritiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MarketableSecuritiesAbstract.3346.11.6" xlink:to="us-gaap_MarketableSecuritiesAbstract_lbl.458112.190847.307865" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_MarketableSecuritiesAbstract_lbl.458112.190847.307865" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_MarketableSecuritiesAbstract_lbl.458112.190847.307865">Marketable Securities [Abstract]</link:label>
    <link:loc xlink:label="loc_MarketableSecuritiesAbstract.3346.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MarketableSecuritiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MarketableSecuritiesAbstract.3346.11.8" xlink:to="us-gaap_MarketableSecuritiesAbstract_lbl.458113.190848.307866" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_MarketableSecuritiesAbstract_lbl.458113.190848.307866" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_MarketableSecuritiesAbstract_lbl.458113.190848.307866">Investment securities:</link:label>
    <link:loc xlink:label="loc_NoninterestBearingDepositLiabilities.13360.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestBearingDepositLiabilities.13360.11.6" xlink:to="us-gaap_NoninterestBearingDepositLiabilities_lbl.458152.190849.307867" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NoninterestBearingDepositLiabilities_lbl.458152.190849.307867" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_NoninterestBearingDepositLiabilities_lbl.458152.190849.307867">Noninterest-bearing Deposit Liabilities</link:label>
    <link:loc xlink:label="loc_NoninterestBearingDepositLiabilities.13360.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestBearingDepositLiabilities.13360.11.8" xlink:to="us-gaap_NoninterestBearingDepositLiabilities_lbl.458153.190850.307868" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NoninterestBearingDepositLiabilities_lbl.458153.190850.307868" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_NoninterestBearingDepositLiabilities_lbl.458153.190850.307868">Non-interest bearing deposits</link:label>
    <link:loc xlink:label="loc_OtherAssets.13839.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherAssets.13839.11.6" xlink:to="us-gaap_OtherAssets_lbl.458145.190851.307869" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherAssets_lbl.458145.190851.307869" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherAssets_lbl.458145.190851.307869">Other Assets</link:label>
    <link:loc xlink:label="loc_OtherAssets.13839.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherAssets.13839.11.8" xlink:to="us-gaap_OtherAssets_lbl.458146.190852.307870" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherAssets_lbl.458146.190852.307870" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherAssets_lbl.458146.190852.307870">Other assets</link:label>
    <link:loc xlink:label="loc_OtherLiabilities.14024.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherLiabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherLiabilities.14024.11.6" xlink:to="us-gaap_OtherLiabilities_lbl.458167.190853.307871" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherLiabilities_lbl.458167.190853.307871" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherLiabilities_lbl.458167.190853.307871">Other Liabilities</link:label>
    <link:loc xlink:label="loc_OtherLiabilities.14024.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherLiabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherLiabilities.14024.11.8" xlink:to="us-gaap_OtherLiabilities_lbl.458168.190854.307872" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherLiabilities_lbl.458168.190854.307872" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherLiabilities_lbl.458168.190854.307872">Other liabilities</link:label>
    <link:loc xlink:label="loc_OtherShortTermInvestments.14081.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherShortTermInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherShortTermInvestments.14081.11.6" xlink:to="us-gaap_OtherShortTermInvestments_lbl.458106.190855.307873" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherShortTermInvestments_lbl.458106.190855.307873" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherShortTermInvestments_lbl.458106.190855.307873">Other Short-term Investments</link:label>
    <link:loc xlink:label="loc_OtherShortTermInvestments.14081.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherShortTermInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherShortTermInvestments.14081.11.8" xlink:to="us-gaap_OtherShortTermInvestments_lbl.458107.190856.307874" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherShortTermInvestments_lbl.458107.190856.307874" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherShortTermInvestments_lbl.458107.190856.307874">Short-term investments in money market funds</link:label>
    <link:loc xlink:label="loc_PreferredStockValue.14687.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockValue.14687.11.6" xlink:to="us-gaap_PreferredStockValue_lbl.458173.190857.307875" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PreferredStockValue_lbl.458173.190857.307875" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PreferredStockValue_lbl.458173.190857.307875">Preferred Stock, Value, Issued</link:label>
    <link:loc xlink:label="loc_PreferredStockValue.14687.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockValue.14687.11.8" xlink:to="us-gaap_PreferredStockValue_lbl.458174.190858.307876" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PreferredStockValue_lbl.458174.190858.307876" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PreferredStockValue_lbl.458174.190858.307876">Preferred stock, no par value; $1,000 per share liquidation preference; 2,000,000 shares authorized; there were 21,000 shares issued and outstanding on December 31, 2013 and 2012</link:label>
    <link:loc xlink:label="loc_PrepaidExpenseCurrentAndNoncurrent.14767.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PrepaidExpenseCurrentAndNoncurrent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PrepaidExpenseCurrentAndNoncurrent.14767.11.6" xlink:to="us-gaap_PrepaidExpenseCurrentAndNoncurrent_lbl.458143.190859.307877" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PrepaidExpenseCurrentAndNoncurrent_lbl.458143.190859.307877" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PrepaidExpenseCurrentAndNoncurrent_lbl.458143.190859.307877">Prepaid Expense</link:label>
    <link:loc xlink:label="loc_PrepaidExpenseCurrentAndNoncurrent.14767.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PrepaidExpenseCurrentAndNoncurrent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PrepaidExpenseCurrentAndNoncurrent.14767.11.8" xlink:to="us-gaap_PrepaidExpenseCurrentAndNoncurrent_lbl.458144.190860.307878" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PrepaidExpenseCurrentAndNoncurrent_lbl.458144.190860.307878" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PrepaidExpenseCurrentAndNoncurrent_lbl.458144.190860.307878">Prepaid federal deposit insurance</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentNet.15211.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentNet.15211.11.6" xlink:to="us-gaap_PropertyPlantAndEquipmentNet_lbl.458129.190861.307879" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl.458129.190861.307879" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PropertyPlantAndEquipmentNet_lbl.458129.190861.307879">Property, Plant and Equipment, Net</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentNet.15211.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentNet.15211.11.8" xlink:to="us-gaap_PropertyPlantAndEquipmentNet_lbl.458130.190862.307880" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl.458130.190862.307880" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PropertyPlantAndEquipmentNet_lbl.458130.190862.307880">Premises and equipment, net</link:label>
    <link:loc xlink:label="loc_RetainedEarningsAccumulatedDeficit.16058.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RetainedEarningsAccumulatedDeficit.16058.11.6" xlink:to="us-gaap_RetainedEarningsAccumulatedDeficit_lbl.458181.190863.307881" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl.458181.190863.307881" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_RetainedEarningsAccumulatedDeficit_lbl.458181.190863.307881">Retained Earnings (Accumulated Deficit)</link:label>
    <link:loc xlink:label="loc_RetainedEarningsAccumulatedDeficit.16058.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RetainedEarningsAccumulatedDeficit.16058.11.8" xlink:to="us-gaap_RetainedEarningsAccumulatedDeficit_lbl.458182.190864.307882" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl.458182.190864.307882" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_RetainedEarningsAccumulatedDeficit_lbl.458182.190864.307882">Retained earnings</link:label>
    <link:loc xlink:label="loc_StatementOfFinancialPositionAbstract.5171.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StatementOfFinancialPositionAbstract.5171.11.6" xlink:to="us-gaap_StatementOfFinancialPositionAbstract_lbl.458099.190865.307883" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_StatementOfFinancialPositionAbstract_lbl.458099.190865.307883" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_StatementOfFinancialPositionAbstract_lbl.458099.190865.307883">CONSOLIDATED BALANCE SHEETS [Abstract]</link:label>
    <link:loc xlink:label="loc_StockholdersEquity.17302.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockholdersEquity.17302.11.6" xlink:to="us-gaap_StockholdersEquity_lbl.458185.190866.307884" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_StockholdersEquity_lbl.458185.190866.307884" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_StockholdersEquity_lbl.458185.190866.307884">Stockholders' Equity Attributable to Parent</link:label>
    <link:loc xlink:label="loc_StockholdersEquity.17302.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockholdersEquity.17302.11.9" xlink:to="us-gaap_StockholdersEquity_lbl.458186.190867.307885" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_StockholdersEquity_lbl.458186.190867.307885" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_StockholdersEquity_lbl.458186.190867.307885">TOTAL STOCKHOLDERS' EQUITY</link:label>
    <link:loc xlink:label="loc_StockholdersEquityAbstract.5197.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockholdersEquityAbstract.5197.11.6" xlink:to="us-gaap_StockholdersEquityAbstract_lbl.458171.190868.307886" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_StockholdersEquityAbstract_lbl.458171.190868.307886" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_StockholdersEquityAbstract_lbl.458171.190868.307886">Stockholders Equity [Abstract]</link:label>
    <link:loc xlink:label="loc_StockholdersEquityAbstract.5197.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockholdersEquityAbstract.5197.11.8" xlink:to="us-gaap_StockholdersEquityAbstract_lbl.458172.190869.307887" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_StockholdersEquityAbstract_lbl.458172.190869.307887" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_StockholdersEquityAbstract_lbl.458172.190869.307887">STOCKHOLDERS' EQUITY</link:label>
    <link:loc xlink:label="loc_TreasuryStockValue.17716.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TreasuryStockValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TreasuryStockValue.17716.11.6" xlink:to="us-gaap_TreasuryStockValue_lbl.458177.190870.307888" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TreasuryStockValue_lbl.458177.190870.307888" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_TreasuryStockValue_lbl.458177.190870.307888">Treasury Stock, Value</link:label>
    <link:loc xlink:label="loc_TreasuryStockValue.17716.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TreasuryStockValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TreasuryStockValue.17716.11.52" xlink:to="us-gaap_TreasuryStockValue_lbl.458178.190871.307889" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TreasuryStockValue_lbl.458178.190871.307889" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_TreasuryStockValue_lbl.458178.190871.307889">Treasury stock at cost, 7,617,819 shares on December 31, 2013 and 7,233,819 shares on December 31, 2012</link:label>
    <link:loc xlink:label="loc_CommonStockParOrStatedValuePerShare.7131.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockParOrStatedValuePerShare.7131.11.6" xlink:to="us-gaap_CommonStockParOrStatedValuePerShare_lbl.458203.191164.307890" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommonStockParOrStatedValuePerShare_lbl.458203.191164.307890" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommonStockParOrStatedValuePerShare_lbl.458203.191164.307890">Common Stock, Par or Stated Value Per Share</link:label>
    <link:loc xlink:label="loc_CommonStockParOrStatedValuePerShare.7131.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockParOrStatedValuePerShare.7131.11.8" xlink:to="us-gaap_CommonStockParOrStatedValuePerShare_lbl.458204.191165.307891" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommonStockParOrStatedValuePerShare_lbl.458204.191165.307891" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommonStockParOrStatedValuePerShare_lbl.458204.191165.307891">Common stock, par value</link:label>
    <link:loc xlink:label="loc_CommonStockSharesAuthorized.7144.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockSharesAuthorized.7144.11.6" xlink:to="us-gaap_CommonStockSharesAuthorized_lbl.458205.191166.307892" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommonStockSharesAuthorized_lbl.458205.191166.307892" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommonStockSharesAuthorized_lbl.458205.191166.307892">Common Stock, Shares Authorized</link:label>
    <link:loc xlink:label="loc_CommonStockSharesAuthorized.7144.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockSharesAuthorized.7144.11.8" xlink:to="us-gaap_CommonStockSharesAuthorized_lbl.458206.191167.307893" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommonStockSharesAuthorized_lbl.458206.191167.307893" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommonStockSharesAuthorized_lbl.458206.191167.307893">Common stock, shares authorized</link:label>
    <link:loc xlink:label="loc_CommonStockSharesIssued.7136.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockSharesIssued.7136.11.6" xlink:to="us-gaap_CommonStockSharesIssued_lbl.458207.191168.307894" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommonStockSharesIssued_lbl.458207.191168.307894" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommonStockSharesIssued_lbl.458207.191168.307894">Common Stock, Shares, Issued</link:label>
    <link:loc xlink:label="loc_CommonStockSharesIssued.7136.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockSharesIssued.7136.11.8" xlink:to="us-gaap_CommonStockSharesIssued_lbl.458208.191169.307895" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommonStockSharesIssued_lbl.458208.191169.307895" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommonStockSharesIssued_lbl.458208.191169.307895">Common stock, shares issued</link:label>
    <link:loc xlink:label="loc_CommonStockSharesOutstanding.7164.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockSharesOutstanding.7164.11.6" xlink:to="us-gaap_CommonStockSharesOutstanding_lbl.458209.191170.307896" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommonStockSharesOutstanding_lbl.458209.191170.307896" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommonStockSharesOutstanding_lbl.458209.191170.307896">Common Stock, Shares, Outstanding</link:label>
    <link:loc xlink:label="loc_CommonStockSharesOutstanding.7164.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockSharesOutstanding.7164.11.8" xlink:to="us-gaap_CommonStockSharesOutstanding_lbl.458210.191171.307897" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommonStockSharesOutstanding_lbl.458210.191171.307897" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommonStockSharesOutstanding_lbl.458210.191171.307897">Common stock, shares outstanding</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesFairValue.10919.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesFairValue.10919.11.6" xlink:to="us-gaap_HeldToMaturitySecuritiesFairValue_lbl.458189.191172.307898" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesFairValue_lbl.458189.191172.307898" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesFairValue_lbl.458189.191172.307898">Held-to-maturity Securities, Fair Value</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesFairValue.10919.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesFairValue.10919.11.8" xlink:to="us-gaap_HeldToMaturitySecuritiesFairValue_lbl.458191.191173.307899" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesFairValue_lbl.458191.191173.307899" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesFairValue_lbl.458191.191173.307899">Held to maturity securities, fair value</link:label>
    <link:loc xlink:label="loc_PreferredStockLiquidationPreference.14672.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockLiquidationPreference" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockLiquidationPreference.14672.11.6" xlink:to="us-gaap_PreferredStockLiquidationPreference_lbl.458194.191174.307900" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PreferredStockLiquidationPreference_lbl.458194.191174.307900" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PreferredStockLiquidationPreference_lbl.458194.191174.307900">Preferred Stock, Liquidation Preference Per Share</link:label>
    <link:loc xlink:label="loc_PreferredStockLiquidationPreference.14672.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockLiquidationPreference" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockLiquidationPreference.14672.11.8" xlink:to="us-gaap_PreferredStockLiquidationPreference_lbl.458195.191175.307901" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PreferredStockLiquidationPreference_lbl.458195.191175.307901" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PreferredStockLiquidationPreference_lbl.458195.191175.307901">Preferred stock, liquidation preference per share</link:label>
    <link:loc xlink:label="loc_PreferredStockNoParValue.14678.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockNoParValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockNoParValue.14678.11.6" xlink:to="us-gaap_PreferredStockNoParValue_lbl.458192.191176.307902" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PreferredStockNoParValue_lbl.458192.191176.307902" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PreferredStockNoParValue_lbl.458192.191176.307902">Preferred Stock, No Par Value</link:label>
    <link:loc xlink:label="loc_PreferredStockNoParValue.14678.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockNoParValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockNoParValue.14678.11.8" xlink:to="us-gaap_PreferredStockNoParValue_lbl.458193.191177.307903" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PreferredStockNoParValue_lbl.458193.191177.307903" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PreferredStockNoParValue_lbl.458193.191177.307903">Preferred stock, par value</link:label>
    <link:loc xlink:label="loc_PreferredStockSharesAuthorized.14701.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockSharesAuthorized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockSharesAuthorized.14701.11.6" xlink:to="us-gaap_PreferredStockSharesAuthorized_lbl.458196.191178.307904" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PreferredStockSharesAuthorized_lbl.458196.191178.307904" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PreferredStockSharesAuthorized_lbl.458196.191178.307904">Preferred Stock, Shares Authorized</link:label>
    <link:loc xlink:label="loc_PreferredStockSharesAuthorized.14701.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockSharesAuthorized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockSharesAuthorized.14701.11.8" xlink:to="us-gaap_PreferredStockSharesAuthorized_lbl.458197.191179.307905" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PreferredStockSharesAuthorized_lbl.458197.191179.307905" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PreferredStockSharesAuthorized_lbl.458197.191179.307905">Preferred stock, shares authorized</link:label>
    <link:loc xlink:label="loc_PreferredStockSharesIssued.14694.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockSharesIssued" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockSharesIssued.14694.11.6" xlink:to="us-gaap_PreferredStockSharesIssued_lbl.458199.191180.307906" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PreferredStockSharesIssued_lbl.458199.191180.307906" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PreferredStockSharesIssued_lbl.458199.191180.307906">Preferred Stock, Shares Issued</link:label>
    <link:loc xlink:label="loc_PreferredStockSharesIssued.14694.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockSharesIssued" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockSharesIssued.14694.11.7" xlink:to="us-gaap_PreferredStockSharesIssued_lbl.458200.191181.307907" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PreferredStockSharesIssued_lbl.458200.191181.307907" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PreferredStockSharesIssued_lbl.458200.191181.307907">Preferred stock, shares issued</link:label>
    <link:loc xlink:label="loc_PreferredStockSharesOutstanding.14710.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockSharesOutstanding" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockSharesOutstanding.14710.11.6" xlink:to="us-gaap_PreferredStockSharesOutstanding_lbl.458201.191182.307908" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PreferredStockSharesOutstanding_lbl.458201.191182.307908" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PreferredStockSharesOutstanding_lbl.458201.191182.307908">Preferred Stock, Shares Outstanding</link:label>
    <link:loc xlink:label="loc_PreferredStockSharesOutstanding.14710.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockSharesOutstanding" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockSharesOutstanding.14710.11.8" xlink:to="us-gaap_PreferredStockSharesOutstanding_lbl.458202.191183.307909" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PreferredStockSharesOutstanding_lbl.458202.191183.307909" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PreferredStockSharesOutstanding_lbl.458202.191183.307909">Preferred stock, shares outstanding</link:label>
    <link:loc xlink:label="loc_TreasuryStockShares.17707.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TreasuryStockShares" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TreasuryStockShares.17707.11.6" xlink:to="us-gaap_TreasuryStockShares_lbl.458211.191184.307910" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TreasuryStockShares_lbl.458211.191184.307910" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_TreasuryStockShares_lbl.458211.191184.307910">Treasury Stock, Shares</link:label>
    <link:loc xlink:label="loc_TreasuryStockShares.17707.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TreasuryStockShares" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TreasuryStockShares.17707.11.8" xlink:to="us-gaap_TreasuryStockShares_lbl.458212.191185.307911" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TreasuryStockShares_lbl.458212.191185.307911" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_TreasuryStockShares_lbl.458212.191185.307911">Treasury stock, shares</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInShortTermDebtInvesting.37655.11.52" xlink:href="asrv-20131231.xsd#asrv_IncreaseDecreaseInShortTermDebtInvesting" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInShortTermDebtInvesting.37655.11.52" xlink:to="lab_IncreaseDecreaseInShortTermDebtFinancing.315400" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncreaseDecreaseInShortTermDebtFinancing.315400" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInShortTermDebtFinancing.315400">Net increase in other short-term loans</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInShortTermDebtInvesting.37655.11.12" xlink:href="asrv-20131231.xsd#asrv_IncreaseDecreaseInShortTermDebtInvesting" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInShortTermDebtInvesting.37655.11.12" xlink:to="lab_IncreaseDecreaseInShortTermDebtFinancing.315399" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncreaseDecreaseInShortTermDebtFinancing.315399" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInShortTermDebtFinancing.315399">The increase (decrease) during the period of short term debt classified as investing activities.</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInShortTermDebtInvesting.37655.11.6" xlink:href="asrv-20131231.xsd#asrv_IncreaseDecreaseInShortTermDebtInvesting" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInShortTermDebtInvesting.37655.11.6" xlink:to="lab_IncreaseDecreaseInShortTermDebtInvesting.315398" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncreaseDecreaseInShortTermDebtInvesting.315398" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInShortTermDebtInvesting.315398">Increase Decrease In Short Term Debt Investing</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.11.6" xlink:to="lab_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.12278.307917" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.12278.307917" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.12278.307917">Net Cash Provided by (Used in) Financing Activities, Continuing Operations</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.11.9" xlink:to="lab_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.278654.307918" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.278654.307918" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.278654.307918">Net cash provided by financing activities</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.11.6" xlink:to="lab_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.12298.307919" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.12298.307919" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.12298.307919">Net Cash Provided by (Used in) Investing Activities, Continuing Operations</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.11.9" xlink:to="lab_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.278653.307920" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.278653.307920" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.278653.307920">Net cash used in investing activities</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.11.6" xlink:to="lab_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.12234.307921" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.12234.307921" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.12234.307921">Net Cash Provided by (Used in) Operating Activities, Continuing Operations</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.11.9" xlink:to="lab_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.278652.307922" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.278652.307922" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.278652.307922">Net cash provided by operating activities</link:label>
    <link:loc xlink:label="loc_OtherBankOwnedLifeInsuranceIncome.36853.11.6" xlink:href="asrv-20131231.xsd#asrv_OtherBankOwnedLifeInsuranceIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherBankOwnedLifeInsuranceIncome.36853.11.6" xlink:to="lab_OtherBankOwnedLifeInsuranceIncome.280837.307923" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherBankOwnedLifeInsuranceIncome.280837.307923" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherBankOwnedLifeInsuranceIncome.280837.307923">Other Bank Owned Life Insurance Income</link:label>
    <link:loc xlink:label="loc_OtherBankOwnedLifeInsuranceIncome.36853.11.12" xlink:href="asrv-20131231.xsd#asrv_OtherBankOwnedLifeInsuranceIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherBankOwnedLifeInsuranceIncome.36853.11.12" xlink:to="lab_OtherBankOwnedLifeInsuranceIncome.280838.307925" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherBankOwnedLifeInsuranceIncome.280838.307925" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_OtherBankOwnedLifeInsuranceIncome.280838.307925">Life insurance income not elsewhere specified in the taxonomy earned during the period.</link:label>
    <link:loc xlink:label="loc_OtherBankOwnedLifeInsuranceIncome.36853.11.52" xlink:href="asrv-20131231.xsd#asrv_OtherBankOwnedLifeInsuranceIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherBankOwnedLifeInsuranceIncome.36853.11.52" xlink:to="lab_OtherBankOwnedLifeInsuranceIncome.280839.307924" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherBankOwnedLifeInsuranceIncome.280839.307924" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherBankOwnedLifeInsuranceIncome.280839.307924">Earnings on bank owned life insurance</link:label>
    <link:loc xlink:label="loc_PaymentsForProceedsFromLoansAndLeases.14256.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsForProceedsFromLoansAndLeases.14256.11.6" xlink:to="lab_PaymentsForProceedsFromLoansAndLeases.459054.190972.307926" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsForProceedsFromLoansAndLeases.459054.190972.307926" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsForProceedsFromLoansAndLeases.459054.190972.307926">Payments For Proceeds From Loans And Leases</link:label>
    <link:loc xlink:label="loc_PaymentsForProceedsFromLoansAndLeases.14256.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsForProceedsFromLoansAndLeases.14256.11.52" xlink:to="lab_PaymentsForProceedsFromLoansAndLeases.459055.190973.307927" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsForProceedsFromLoansAndLeases.459055.190973.307927" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsForProceedsFromLoansAndLeases.459055.190973.307927">Long-term loans originated</link:label>
    <link:loc xlink:label="loc_PaymentsForRepurchaseOfEquity.14264.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfEquity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsForRepurchaseOfEquity.14264.11.6" xlink:to="lab_PaymentsForRepurchaseOfEquity.459122.190974.307928" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsForRepurchaseOfEquity.459122.190974.307928" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsForRepurchaseOfEquity.459122.190974.307928">Payments for Repurchase of Equity</link:label>
    <link:loc xlink:label="loc_PaymentsForRepurchaseOfEquity.14264.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfEquity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsForRepurchaseOfEquity.14264.11.52" xlink:to="lab_PaymentsForRepurchaseOfEquity.459123.190975.307929" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsForRepurchaseOfEquity.459123.190975.307929" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsForRepurchaseOfEquity.459123.190975.307929">Purchase of treasury stock</link:label>
    <link:loc xlink:label="loc_PaymentsForRepurchaseOfWarrants.14230.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfWarrants" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsForRepurchaseOfWarrants.14230.11.6" xlink:to="lab_PaymentsForRepurchaseOfWarrants.13936" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsForRepurchaseOfWarrants.13936" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsForRepurchaseOfWarrants.13936">Payments for Repurchase of Warrants</link:label>
    <link:loc xlink:label="loc_PaymentsForRepurchaseOfWarrants.14230.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfWarrants" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsForRepurchaseOfWarrants.14230.11.52" xlink:to="lab_PaymentsForRepurchaseOfWarrants.219478.309335" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsForRepurchaseOfWarrants.219478.309335" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsForRepurchaseOfWarrants.219478.309335">TARP warrant repurchase</link:label>
    <link:loc xlink:label="loc_PaymentsOfDividendsCommonStock.14340.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsOfDividendsCommonStock.14340.11.6" xlink:to="lab_PaymentsOfDividendsCommonStock.14104.307930" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsOfDividendsCommonStock.14104.307930" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsOfDividendsCommonStock.14104.307930">Payments of Ordinary Dividends, Common Stock</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireRegulatoryStock.44283.11.6" xlink:href="asrv-20131231.xsd#asrv_PaymentsToAcquireRegulatoryStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireRegulatoryStock.44283.11.6" xlink:to="lab_PaymentsToAcquireRegulatoryStock.374229" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsToAcquireRegulatoryStock.374229" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsToAcquireRegulatoryStock.374229">Payments To Acquire Regulatory Stock</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireRegulatoryStock.44283.11.52" xlink:href="asrv-20131231.xsd#asrv_PaymentsToAcquireRegulatoryStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireRegulatoryStock.44283.11.52" xlink:to="lab_PaymentsToAcquireRegulatoryStock.374231" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsToAcquireRegulatoryStock.374231" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsToAcquireRegulatoryStock.374231">Purchase of regulatory stock</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireRegulatoryStock.44283.11.12" xlink:href="asrv-20131231.xsd#asrv_PaymentsToAcquireRegulatoryStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireRegulatoryStock.44283.11.12" xlink:to="lab_PaymentsToAcquireRegulatoryStock.374230" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsToAcquireRegulatoryStock.374230" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsToAcquireRegulatoryStock.374230">Cash outflow for the purchase of regulatory stock during the period.</link:label>
    <link:loc xlink:label="loc_ProceedsFromLifeInsurancePolicies.15026.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromLifeInsurancePolicies" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromLifeInsurancePolicies.15026.11.6" xlink:to="lab_ProceedsFromLifeInsurancePolicies.15126.307933" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ProceedsFromLifeInsurancePolicies.15126.307933" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ProceedsFromLifeInsurancePolicies.15126.307933">Proceeds from Life Insurance Policies</link:label>
    <link:loc xlink:label="loc_ProceedsFromLifeInsurancePolicies.15026.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromLifeInsurancePolicies" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromLifeInsurancePolicies.15026.11.8" xlink:to="lab_ProceedsFromLifeInsurancePolicies.243997.307934" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ProceedsFromLifeInsurancePolicies.243997.307934" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ProceedsFromLifeInsurancePolicies.243997.307934">Proceeds from insurance policies</link:label>
    <link:loc xlink:label="loc_ProceedsFromRepaymentsOfShortTermDebt.14954.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromRepaymentsOfShortTermDebt.14954.11.6" xlink:to="lab_ProceedsFromRepaymentsOfShortTermDebt.15034.307935" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ProceedsFromRepaymentsOfShortTermDebt.15034.307935" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ProceedsFromRepaymentsOfShortTermDebt.15034.307935">Proceeds from (Repayments of) Short-term Debt</link:label>
    <link:loc xlink:label="loc_ProceedsFromSaleOfLoansHeldForInvestment.15044.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromSaleOfLoansHeldForInvestment.15044.11.6" xlink:to="lab_ProceedsFromSaleOfLoansHeldForInvestment.15156.307936" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ProceedsFromSaleOfLoansHeldForInvestment.15156.307936" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ProceedsFromSaleOfLoansHeldForInvestment.15156.307936">Proceeds from Sale of Loans Held-for-investment</link:label>
    <link:loc xlink:label="loc_ProceedsFromSaleOfLoansHeldForInvestment.15044.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromSaleOfLoansHeldForInvestment.15044.11.8" xlink:to="lab_ProceedsFromSaleOfLoansHeldForInvestment.278899.307937" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ProceedsFromSaleOfLoansHeldForInvestment.278899.307937" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ProceedsFromSaleOfLoansHeldForInvestment.278899.307937">Loans sold or participated</link:label>
    <link:loc xlink:label="loc_StockOptionPlanExpense.17263.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockOptionPlanExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockOptionPlanExpense.17263.11.6" xlink:to="lab_StockOptionPlanExpense.18679" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockOptionPlanExpense.18679" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StockOptionPlanExpense.18679">Stock or Unit Option Plan Expense</link:label>
    <link:loc xlink:label="loc_StockOptionPlanExpense.17263.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockOptionPlanExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockOptionPlanExpense.17263.11.8" xlink:to="lab_StockOptionPlanExpense.374748" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockOptionPlanExpense.374748" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockOptionPlanExpense.374748">Stock compensation expense</link:label>
    <link:loc xlink:label="loc_AccretionAmortizationOfDiscountsAndPremiumsInvestments.5696.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccretionAmortizationOfDiscountsAndPremiumsInvestments.5696.11.52" xlink:to="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl.458328.190979.307938" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl.458328.190979.307938" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl.458328.190979.307938">Net amortization of investment securities</link:label>
    <link:loc xlink:label="loc_AccretionAmortizationOfDiscountsAndPremiumsInvestments.5696.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccretionAmortizationOfDiscountsAndPremiumsInvestments.5696.11.6" xlink:to="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl.458329.190978.307939" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl.458329.190978.307939" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl.458329.190978.307939">Accretion (Amortization) of Discounts and Premiums, Investments</link:label>
    <link:loc xlink:label="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.11.6" xlink:to="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl.458322.190980.307940" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl.458322.190980.307940" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl.458322.190980.307940">Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]</link:label>
    <link:loc xlink:label="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.11.8" xlink:to="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl.458323.190981.307941" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl.458323.190981.307941" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl.458323.190981.307941">Adjustments to reconcile net income to net cash provided by operating activities:</link:label>
    <link:loc xlink:label="loc_AmortizationOfDeferredLoanOriginationFeesNet.5988.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AmortizationOfDeferredLoanOriginationFeesNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmortizationOfDeferredLoanOriginationFeesNet.5988.11.6" xlink:to="us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_lbl.458334.190982.307942" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_lbl.458334.190982.307942" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_lbl.458334.190982.307942">Amortization of Deferred Loan Origination Fees, Net</link:label>
    <link:loc xlink:label="loc_AmortizationOfDeferredLoanOriginationFeesNet.5988.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AmortizationOfDeferredLoanOriginationFeesNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmortizationOfDeferredLoanOriginationFeesNet.5988.11.52" xlink:to="us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_lbl.458335.190983.307943" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_lbl.458335.190983.307943" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AmortizationOfDeferredLoanOriginationFeesNet_lbl.458335.190983.307943">Amortization of deferred loan fees</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsAtCarryingValue.6843.11.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsAtCarryingValue.6843.11.11" xlink:to="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl.458109.190987.307944" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl.458109.190987.307944" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl.458109.190987.307944">CASH AND CASH EQUIVALENTS AT DECEMBER 31</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsAtCarryingValue.6843.11.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsAtCarryingValue.6843.11.10" xlink:to="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl.458110.190986.307945" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl.458110.190986.307945" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl.458110.190986.307945">CASH AND CASH EQUIVALENTS AT JANUARY 1</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsPeriodIncreaseDecrease.6834.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsPeriodIncreaseDecrease.6834.11.6" xlink:to="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl.458392.190988.307946" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl.458392.190988.307946" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl.458392.190988.307946">Cash and Cash Equivalents, Period Increase (Decrease)</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsPeriodIncreaseDecrease.6834.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsPeriodIncreaseDecrease.6834.11.9" xlink:to="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl.458393.190989.307947" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl.458393.190989.307947" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl.458393.190989.307947">NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS</link:label>
    <link:loc xlink:label="loc_DeferredIncomeTaxExpenseBenefit.7887.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredIncomeTaxExpenseBenefit.7887.11.6" xlink:to="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl.458344.190990.307948" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl.458344.190990.307948" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl.458344.190990.307948">Deferred Income Tax Expense (Benefit)</link:label>
    <link:loc xlink:label="loc_DeferredIncomeTaxExpenseBenefit.7887.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredIncomeTaxExpenseBenefit.7887.11.8" xlink:to="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl.458345.190991.307949" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl.458345.190991.307949" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl.458345.190991.307949">Deferred income taxes</link:label>
    <link:loc xlink:label="loc_GainLossOnSaleOfInvestments.10646.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnSaleOfInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GainLossOnSaleOfInvestments.10646.11.52" xlink:to="us-gaap_GainLossOnSaleOfInvestments_lbl.458331.190993.307950" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_GainLossOnSaleOfInvestments_lbl.458331.190993.307950" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_GainLossOnSaleOfInvestments_lbl.458331.190993.307950">Net realized (gains) losses on investment securities - available for sale</link:label>
    <link:loc xlink:label="loc_GainLossOnSaleOfLoansAndLeases.10629.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnSaleOfLoansAndLeases" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GainLossOnSaleOfLoansAndLeases.10629.11.6" xlink:to="us-gaap_GainLossOnSaleOfLoansAndLeases_lbl.458332.190994.307951" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_GainLossOnSaleOfLoansAndLeases_lbl.458332.190994.307951" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_GainLossOnSaleOfLoansAndLeases_lbl.458332.190994.307951">Gain (Loss) on Sale of Loans and Leases</link:label>
    <link:loc xlink:label="loc_GainLossOnSaleOfLoansAndLeases.10629.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnSaleOfLoansAndLeases" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GainLossOnSaleOfLoansAndLeases.10629.11.52" xlink:to="us-gaap_GainLossOnSaleOfLoansAndLeases_lbl.458333.190995.307952" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_GainLossOnSaleOfLoansAndLeases_lbl.458333.190995.307952" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_GainLossOnSaleOfLoansAndLeases_lbl.458333.190995.307952">Net gains on loans held for sale</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInAccruedInterestReceivableNet.11326.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInAccruedInterestReceivableNet.11326.11.6" xlink:to="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_lbl.458340.190996.307953" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_lbl.458340.190996.307953" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_lbl.458340.190996.307953">Increase (Decrease) in Accrued Interest Receivable, Net</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInAccruedInterestReceivableNet.11326.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInAccruedInterestReceivableNet.11326.11.52" xlink:to="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_lbl.458341.190997.307954" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_lbl.458341.190997.307954" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet_lbl.458341.190997.307954">Decrease (increase) in accrued interest receivable</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInDeposits.11242.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInDeposits.11242.11.6" xlink:to="us-gaap_IncreaseDecreaseInDeposits_lbl.458382.190998.307955" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_IncreaseDecreaseInDeposits_lbl.458382.190998.307955" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_IncreaseDecreaseInDeposits_lbl.458382.190998.307955">Increase (Decrease) in Deposits</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInDeposits.11242.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInDeposits.11242.11.8" xlink:to="us-gaap_IncreaseDecreaseInDeposits_lbl.458383.190999.307956" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_IncreaseDecreaseInDeposits_lbl.458383.190999.307956" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_IncreaseDecreaseInDeposits_lbl.458383.190999.307956">Net increase in deposit balances</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInInterestPayableNet.11374.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInInterestPayableNet.11374.11.6" xlink:to="us-gaap_IncreaseDecreaseInInterestPayableNet_lbl.458342.191000.307957" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_IncreaseDecreaseInInterestPayableNet_lbl.458342.191000.307957" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_IncreaseDecreaseInInterestPayableNet_lbl.458342.191000.307957">Increase (Decrease) in Interest Payable, Net</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInInterestPayableNet.11374.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInInterestPayableNet.11374.11.8" xlink:to="us-gaap_IncreaseDecreaseInInterestPayableNet_lbl.458343.191001.307958" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_IncreaseDecreaseInInterestPayableNet_lbl.458343.191001.307958" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_IncreaseDecreaseInInterestPayableNet_lbl.458343.191001.307958">Decrease in accrued interest payable</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInOtherOperatingAssets.11423.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInOtherOperatingAssets.11423.11.6" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl.458350.191002.307959" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl.458350.191002.307959" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl.458350.191002.307959">Increase (Decrease) in Other Operating Assets</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInOtherOperatingAssets.11423.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInOtherOperatingAssets.11423.11.52" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl.458351.191003.307960" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl.458351.191003.307960" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl.458351.191003.307960">Other, net</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInPrepaidExpense.11428.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInPrepaidExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInPrepaidExpense.11428.11.52" xlink:to="us-gaap_IncreaseDecreaseInPrepaidExpense_lbl.458348.191007.307963" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_IncreaseDecreaseInPrepaidExpense_lbl.458348.191007.307963" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_IncreaseDecreaseInPrepaidExpense_lbl.458348.191007.307963">Decrease in prepaid Federal Deposit Insurance</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInPrepaidExpense.11428.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInPrepaidExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInPrepaidExpense.11428.11.6" xlink:to="us-gaap_IncreaseDecreaseInPrepaidExpense_lbl.458349.191006.307964" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_IncreaseDecreaseInPrepaidExpense_lbl.458349.191006.307964" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_IncreaseDecreaseInPrepaidExpense_lbl.458349.191006.307964">Increase (Decrease) in Prepaid Expense</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.11.6" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl.458380.191010.307965" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl.458380.191010.307965" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl.458380.191010.307965">Net Cash Provided by (Used in) Financing Activities [Abstract]</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.11.8" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl.458381.191011.307966" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl.458381.191011.307966" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl.458381.191011.307966">FINANCING ACTIVITIES</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.11.6" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl.458356.191014.307967" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl.458356.191014.307967" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl.458356.191014.307967">Net Cash Provided by (Used in) Investing Activities [Abstract]</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.11.8" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl.458357.191015.307968" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl.458357.191015.307968" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl.458357.191015.307968">INVESTING ACTIVITIES</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.11.6" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl.458320.191018.307969" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl.458320.191018.307969" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl.458320.191018.307969">Net Cash Provided by (Used in) Operating Activities [Abstract]</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.11.8" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl.458321.191019.307970" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl.458321.191019.307970" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl.458321.191019.307970">OPERATING ACTIVITIES</link:label>
    <link:loc xlink:label="loc_NetIncomeLoss.13265.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetIncomeLoss.13265.11.6" xlink:to="us-gaap_NetIncomeLoss_lbl.458294.191020.307971" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NetIncomeLoss_lbl.458294.191020.307971" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_NetIncomeLoss_lbl.458294.191020.307971">Net Income (Loss) Attributable to Parent</link:label>
    <link:loc xlink:label="loc_NetIncomeLoss.13265.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetIncomeLoss.13265.11.8" xlink:to="us-gaap_NetIncomeLoss_lbl.458296.191021.307972" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NetIncomeLoss_lbl.458296.191021.307972" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_NetIncomeLoss_lbl.458296.191021.307972">Net income</link:label>
    <link:loc xlink:label="loc_OtherDepreciationAndAmortization.13981.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherDepreciationAndAmortization" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherDepreciationAndAmortization.13981.11.6" xlink:to="us-gaap_OtherDepreciationAndAmortization_lbl.458326.191022.307973" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherDepreciationAndAmortization_lbl.458326.191022.307973" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherDepreciationAndAmortization_lbl.458326.191022.307973">Other Depreciation and Amortization</link:label>
    <link:loc xlink:label="loc_OtherDepreciationAndAmortization.13981.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherDepreciationAndAmortization" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherDepreciationAndAmortization.13981.11.8" xlink:to="us-gaap_OtherDepreciationAndAmortization_lbl.458327.191023.307974" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherDepreciationAndAmortization_lbl.458327.191023.307974" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherDepreciationAndAmortization_lbl.458327.191023.307974">Depreciation and amortization expense</link:label>
    <link:loc xlink:label="loc_PaymentsForOriginationOfMortgageLoansHeldForSale.14212.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsForOriginationOfMortgageLoansHeldForSale.14212.11.6" xlink:to="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl.458336.191024.307975" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl.458336.191024.307975" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl.458336.191024.307975">Payments for Origination of Mortgage Loans Held-for-sale</link:label>
    <link:loc xlink:label="loc_PaymentsForOriginationOfMortgageLoansHeldForSale.14212.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsForOriginationOfMortgageLoansHeldForSale.14212.11.52" xlink:to="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl.458337.191025.307976" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl.458337.191025.307976" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_lbl.458337.191025.307976">Origination of mortgage loans held for sale</link:label>
    <link:loc xlink:label="loc_PaymentsForProceedsFromFederalHomeLoanBankStock.14292.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsForProceedsFromFederalHomeLoanBankStock.14292.11.6" xlink:to="us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock_lbl.458368.191026.307977" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock_lbl.458368.191026.307977" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock_lbl.458368.191026.307977">Payments for (Proceeds from) Federal Home Loan Bank Stock</link:label>
    <link:loc xlink:label="loc_PaymentsForProceedsFromFederalHomeLoanBankStock.14292.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsForProceedsFromFederalHomeLoanBankStock.14292.11.52" xlink:to="us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock_lbl.458369.191027.307978" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock_lbl.458369.191027.307978" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock_lbl.458369.191027.307978">Proceeds from redemption of regulatory stock</link:label>
    <link:loc xlink:label="loc_PaymentsOfDividendsCommonStock.14340.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsOfDividendsCommonStock.14340.11.52" xlink:to="us-gaap_PaymentsOfDividendsCommonStock_lbl.484919.243998.307979" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PaymentsOfDividendsCommonStock_lbl.484919.243998.307979" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PaymentsOfDividendsCommonStock_lbl.484919.243998.307979">Common stock dividend paid</link:label>
    <link:loc xlink:label="loc_PaymentsOfDividendsPreferredStockAndPreferenceStock.14313.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsOfDividendsPreferredStockAndPreferenceStock.14313.11.52" xlink:to="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_lbl.458388.191029.307980" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_lbl.458388.191029.307980" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_lbl.458388.191029.307980">Preferred stock dividend paid</link:label>
    <link:loc xlink:label="loc_PaymentsOfDividendsPreferredStockAndPreferenceStock.14313.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsOfDividendsPreferredStockAndPreferenceStock.14313.11.6" xlink:to="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_lbl.458389.191028.307981" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_lbl.458389.191028.307981" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_lbl.458389.191028.307981">Payments of Ordinary Dividends, Preferred Stock and Preference Stock</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireAvailableForSaleSecuritiesDebt.14371.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireAvailableForSaleSecuritiesDebt.14371.11.6" xlink:to="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_lbl.458358.191030.307982" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_lbl.458358.191030.307982" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_lbl.458358.191030.307982">Payments to Acquire Available-for-sale Securities, Debt</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireAvailableForSaleSecuritiesDebt.14371.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireAvailableForSaleSecuritiesDebt.14371.11.52" xlink:to="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_lbl.458359.191031.307983" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_lbl.458359.191031.307983" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_lbl.458359.191031.307983">Purchases of investment securities - available for sale</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireHeldToMaturitySecurities.14368.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireHeldToMaturitySecurities.14368.11.6" xlink:to="us-gaap_PaymentsToAcquireHeldToMaturitySecurities_lbl.458360.191032.307984" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PaymentsToAcquireHeldToMaturitySecurities_lbl.458360.191032.307984" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PaymentsToAcquireHeldToMaturitySecurities_lbl.458360.191032.307984">Payments to Acquire Held-to-maturity Securities</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireHeldToMaturitySecurities.14368.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireHeldToMaturitySecurities.14368.11.52" xlink:to="us-gaap_PaymentsToAcquireHeldToMaturitySecurities_lbl.458361.191033.307985" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PaymentsToAcquireHeldToMaturitySecurities_lbl.458361.191033.307985" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PaymentsToAcquireHeldToMaturitySecurities_lbl.458361.191033.307985">Purchases of investment securities - held to maturity</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireLoansHeldForInvestment.14359.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireLoansHeldForInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireLoansHeldForInvestment.14359.11.52" xlink:to="us-gaap_PaymentsToAcquireLoansHeldForInvestment_lbl.458372.191035.307986" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PaymentsToAcquireLoansHeldForInvestment_lbl.458372.191035.307986" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PaymentsToAcquireLoansHeldForInvestment_lbl.458372.191035.307986">Loans purchased or participated</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireLoansHeldForInvestment.14359.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireLoansHeldForInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireLoansHeldForInvestment.14359.11.6" xlink:to="us-gaap_PaymentsToAcquireLoansHeldForInvestment_lbl.458373.191034.307987" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PaymentsToAcquireLoansHeldForInvestment_lbl.458373.191034.307987" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PaymentsToAcquireLoansHeldForInvestment_lbl.458373.191034.307987">Payments to Acquire Loans Held-for-investment</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireOtherPropertyPlantAndEquipment.14357.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireOtherPropertyPlantAndEquipment.14357.11.6" xlink:to="us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment_lbl.458376.191036.307988" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment_lbl.458376.191036.307988" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment_lbl.458376.191036.307988">Payments to Acquire Other Property, Plant, and Equipment</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireOtherPropertyPlantAndEquipment.14357.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireOtherPropertyPlantAndEquipment.14357.11.52" xlink:to="us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment_lbl.458377.191037.307989" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment_lbl.458377.191037.307989" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment_lbl.458377.191037.307989">Purchases of premises and equipment</link:label>
    <link:loc xlink:label="loc_ProceedsFromFederalHomeLoanBankBorrowings.15020.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromFederalHomeLoanBankBorrowings.15020.11.6" xlink:to="us-gaap_ProceedsFromFederalHomeLoanBankBorrowings_lbl.459199.191038.307990" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProceedsFromFederalHomeLoanBankBorrowings_lbl.459199.191038.307990" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProceedsFromFederalHomeLoanBankBorrowings_lbl.459199.191038.307990">Proceeds From Federal Home Loan Bank Borrowings</link:label>
    <link:loc xlink:label="loc_ProceedsFromFederalHomeLoanBankBorrowings.15020.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromFederalHomeLoanBankBorrowings.15020.11.8" xlink:to="us-gaap_ProceedsFromFederalHomeLoanBankBorrowings_lbl.459200.191039.307991" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProceedsFromFederalHomeLoanBankBorrowings_lbl.459200.191039.307991" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProceedsFromFederalHomeLoanBankBorrowings_lbl.459200.191039.307991">Principal borrowings on advances from Federal Home Loan Bank</link:label>
    <link:loc xlink:label="loc_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment.15019.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment.15019.11.6" xlink:to="us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_lbl.458370.191040.307992" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_lbl.458370.191040.307992" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_lbl.458370.191040.307992">Proceeds from Principal Repayments on Loans and Leases Held-for-investment</link:label>
    <link:loc xlink:label="loc_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment.15019.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment.15019.11.8" xlink:to="us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_lbl.458371.191041.307993" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_lbl.458371.191041.307993" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_lbl.458371.191041.307993">Principal collected on long-term loans</link:label>
    <link:loc xlink:label="loc_ProceedsFromRepaymentsOfShortTermDebt.14954.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromRepaymentsOfShortTermDebt.14954.11.7" xlink:to="us-gaap_ProceedsFromRepaymentsOfShortTermDebt_lbl.484953.278980.307994" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProceedsFromRepaymentsOfShortTermDebt_lbl.484953.278980.307994" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProceedsFromRepaymentsOfShortTermDebt_lbl.484953.278980.307994">Net increase (decrease) in other short-term borrowings</link:label>
    <link:loc xlink:label="loc_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.15068.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.15068.11.6" xlink:to="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_lbl.458364.191042.307995" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_lbl.458364.191042.307995" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_lbl.458364.191042.307995">Proceeds from Sale and Maturity of Available-for-sale Securities</link:label>
    <link:loc xlink:label="loc_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.15068.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.15068.11.8" xlink:to="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_lbl.458365.191043.307996" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_lbl.458365.191043.307996" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_lbl.458365.191043.307996">Proceeds from maturities of investment securities - available for sale</link:label>
    <link:loc xlink:label="loc_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities.15061.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities.15061.11.6" xlink:to="us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities_lbl.458366.191044.307997" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities_lbl.458366.191044.307997" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities_lbl.458366.191044.307997">Proceeds from Sale and Maturity of Held-to-maturity Securities</link:label>
    <link:loc xlink:label="loc_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities.15061.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities.15061.11.8" xlink:to="us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities_lbl.458367.191045.307998" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities_lbl.458367.191045.307998" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities_lbl.458367.191045.307998">Proceeds from maturities of investment securities - held to maturity</link:label>
    <link:loc xlink:label="loc_ProceedsFromSaleOfAvailableForSaleSecurities.15087.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromSaleOfAvailableForSaleSecurities.15087.11.6" xlink:to="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl.458362.191046.307999" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl.458362.191046.307999" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl.458362.191046.307999">Proceeds from Sale of Available-for-sale Securities</link:label>
    <link:loc xlink:label="loc_ProceedsFromSaleOfAvailableForSaleSecurities.15087.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromSaleOfAvailableForSaleSecurities.15087.11.8" xlink:to="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl.458363.191047.308000" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl.458363.191047.308000" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl.458363.191047.308000">Proceeds from sales of investment securities - available for sale</link:label>
    <link:loc xlink:label="loc_ProceedsFromSaleOfMortgageLoansHeldForSale.15081.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromSaleOfMortgageLoansHeldForSale.15081.11.6" xlink:to="us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale_lbl.458338.191048.308001" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale_lbl.458338.191048.308001" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale_lbl.458338.191048.308001">Proceeds from Sale of Mortgage Loans Held-for-sale</link:label>
    <link:loc xlink:label="loc_ProceedsFromSaleOfMortgageLoansHeldForSale.15081.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromSaleOfMortgageLoansHeldForSale.15081.11.8" xlink:to="us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale_lbl.458339.191049.308002" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale_lbl.458339.191049.308002" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale_lbl.458339.191049.308002">Sales of mortgage loans held for sale</link:label>
    <link:loc xlink:label="loc_ProceedsFromSaleOfOtherRealEstate.15093.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfOtherRealEstate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromSaleOfOtherRealEstate.15093.11.6" xlink:to="us-gaap_ProceedsFromSaleOfOtherRealEstate_lbl.458374.191050.308003" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProceedsFromSaleOfOtherRealEstate_lbl.458374.191050.308003" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProceedsFromSaleOfOtherRealEstate_lbl.458374.191050.308003">Proceeds from Sale of Other Real Estate</link:label>
    <link:loc xlink:label="loc_ProceedsFromSaleOfOtherRealEstate.15093.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfOtherRealEstate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromSaleOfOtherRealEstate.15093.11.8" xlink:to="us-gaap_ProceedsFromSaleOfOtherRealEstate_lbl.458375.191051.308004" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProceedsFromSaleOfOtherRealEstate_lbl.458375.191051.308004" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProceedsFromSaleOfOtherRealEstate_lbl.458375.191051.308004">Proceeds from sale of other real estate owned</link:label>
    <link:loc xlink:label="loc_RepaymentsOfFederalHomeLoanBankBorrowings.15818.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RepaymentsOfFederalHomeLoanBankBorrowings.15818.11.52" xlink:to="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_lbl.458386.191055.308005" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_lbl.458386.191055.308005" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_lbl.458386.191055.308005">Principal repayments on advances from Federal Home Loan Bank</link:label>
    <link:loc xlink:label="loc_RepaymentsOfFederalHomeLoanBankBorrowings.15818.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RepaymentsOfFederalHomeLoanBankBorrowings.15818.11.6" xlink:to="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_lbl.458387.191054.308006" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_lbl.458387.191054.308006" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_lbl.458387.191054.308006">Repayments of Federal Home Loan Bank Borrowings</link:label>
    <link:loc xlink:label="loc_StatementOfCashFlowsAbstract.5168.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StatementOfCashFlowsAbstract.5168.11.6" xlink:to="us-gaap_StatementOfCashFlowsAbstract_lbl.458319.191201.307914" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_StatementOfCashFlowsAbstract_lbl.458319.191201.307914" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_StatementOfCashFlowsAbstract_lbl.458319.191201.307914">CONSOLIDATED STATEMENTS OF CASH FLOWS [Abstract]</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract.470.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract.470.11.6" xlink:to="lab_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract.459158.190399.308015" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract.459158.190399.308015" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract.459158.190399.308015">Accumulated Other Comprehensive Loss [Abstract]</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract.470.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract.470.11.8" xlink:to="lab_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract.459159.190400.308016" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract.459159.190400.308016" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract.459159.190400.308016">COMPREHENSIVE INCOME</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.3895.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.3895.11.8" xlink:to="lab_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.459058.190402.308017" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.459058.190402.308017" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.459058.190402.308017">Other comprehensive income (loss), before tax:</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.3895.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.3895.11.6" xlink:to="lab_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.459059.190401.308018" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.459059.190401.308018" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.459059.190401.308018">Other Comprehensive Income (Loss), before Tax, Portion Attributable to Parent [Abstract]</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.13768.11.57" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.13768.11.57" xlink:to="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.197999.308019" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.197999.308019" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.197999.308019">Reclassification adjustment for losses (gains) on available for sale securities included in net income</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13760.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13760.11.7" xlink:to="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.197960.308020" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.197960.308020" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.197960.308020">Income tax effect</link:label>
    <link:loc xlink:label="loc_ComprehensiveIncomeNetOfTax.7190.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ComprehensiveIncomeNetOfTax.7190.11.9" xlink:to="us-gaap_ComprehensiveIncomeNetOfTax_lbl.458525.190404.308021" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ComprehensiveIncomeNetOfTax_lbl.458525.190404.308021" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ComprehensiveIncomeNetOfTax_lbl.458525.190404.308021">Comprehensive income</link:label>
    <link:loc xlink:label="loc_ComprehensiveIncomeNetOfTax.7190.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ComprehensiveIncomeNetOfTax.7190.11.6" xlink:to="us-gaap_ComprehensiveIncomeNetOfTax_lbl.458526.190403.308022" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ComprehensiveIncomeNetOfTax_lbl.458526.190403.308022" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ComprehensiveIncomeNetOfTax_lbl.458526.190403.308022">Comprehensive Income (Loss), Net of Tax, Attributable to Parent</link:label>
    <link:loc xlink:label="loc_ComprehensiveIncomeNetOfTaxAbstract.1128.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ComprehensiveIncomeNetOfTaxAbstract.1128.11.6" xlink:to="us-gaap_ComprehensiveIncomeNetOfTaxAbstract_lbl.458403.190405.308023" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ComprehensiveIncomeNetOfTaxAbstract_lbl.458403.190405.308023" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ComprehensiveIncomeNetOfTaxAbstract_lbl.458403.190405.308023">CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Abstract]</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent.14114.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent.14114.11.6" xlink:to="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent_lbl.458511.190406.308024" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent_lbl.458511.190406.308024" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent_lbl.458511.190406.308024">Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Adjustment, before Tax, Portion Attributable to Parent</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent.14114.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent.14114.11.52" xlink:to="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent_lbl.458512.190407.308025" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent_lbl.458512.190407.308025" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent_lbl.458512.190407.308025">Pension obligation change for defined benefit plan</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.14116.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.14116.11.6" xlink:to="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent_lbl.458515.190408.308026" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent_lbl.458515.190408.308026" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent_lbl.458515.190408.308026">Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Tax, Portion Attributable to Parent</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.14116.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.14116.11.8" xlink:to="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent_lbl.458516.190409.308027" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent_lbl.458516.190409.308027" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent_lbl.458516.190409.308027">Income tax effect</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.11.9" xlink:to="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_lbl.458523.190410.308028" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_lbl.458523.190410.308028" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_lbl.458523.190410.308028">Other comprehensive income (loss)</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax.13922.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax.13922.11.8" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_lbl.458521.190413.308029" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_lbl.458521.190413.308029" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_lbl.458521.190413.308029">Unrealized holding gains (losses) on available for sale securities arising during period</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax.13922.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax.13922.11.6" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_lbl.458522.190412.308030" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_lbl.458522.190412.308030" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_lbl.458522.190412.308030">Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, before Tax</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax.13910.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax.13910.11.6" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_lbl.458513.190414.308031" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_lbl.458513.190414.308031" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_lbl.458513.190414.308031">Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Tax</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax.13910.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax.13910.11.52" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_lbl.458514.190415.308032" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_lbl.458514.190415.308032" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_lbl.458514.190415.308032">Income tax effect</link:label>
    <link:loc xlink:label="loc_PerCommonShareDataAbstract.36860.11.6" xlink:href="asrv-20131231.xsd#asrv_PerCommonShareDataAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PerCommonShareDataAbstract.36860.11.6" xlink:to="asrv_PerCommonShareDataAbstract_lbl.459051.190872.308033" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_PerCommonShareDataAbstract_lbl.459051.190872.308033" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_PerCommonShareDataAbstract_lbl.459051.190872.308033">Per Common Share Data [Abstract]</link:label>
    <link:loc xlink:label="loc_PerCommonShareDataAbstract.36860.11.8" xlink:href="asrv-20131231.xsd#asrv_PerCommonShareDataAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PerCommonShareDataAbstract.36860.11.8" xlink:to="asrv_PerCommonShareDataAbstract_lbl.459052.190873.308034" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_PerCommonShareDataAbstract_lbl.459052.190873.308034" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_PerCommonShareDataAbstract_lbl.459052.190873.308034">PER COMMON SHARE DATA:</link:label>
    <link:loc xlink:label="loc_PerCommonShareDataAbstract.36860.11.12" xlink:href="asrv-20131231.xsd#asrv_PerCommonShareDataAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PerCommonShareDataAbstract.36860.11.12" xlink:to="asrv_PerCommonShareDataAbstract_lbl.459053.190874.308035" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_PerCommonShareDataAbstract_lbl.459053.190874.308035" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_PerCommonShareDataAbstract_lbl.459053.190874.308035">Per common share data.</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankPrepaymentPenalties.36962.11.6" xlink:href="asrv-20131231.xsd#asrv_FederalHomeLoanBankPrepaymentPenalties" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankPrepaymentPenalties.36962.11.6" xlink:to="lab_FederalHomeLoanBankPrepaymentPenalties.309793" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankPrepaymentPenalties.309793" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankPrepaymentPenalties.309793">Federal Home Loan Bank Prepayment Penalties</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankPrepaymentPenalties.36962.11.7" xlink:href="asrv-20131231.xsd#asrv_FederalHomeLoanBankPrepaymentPenalties" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankPrepaymentPenalties.36962.11.7" xlink:to="lab_FederalHomeLoanBankPrepaymentPenalties.309795" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankPrepaymentPenalties.309795" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankPrepaymentPenalties.309795">Federal Home Loan Bank prepayment penalties</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankPrepaymentPenalties.36962.11.12" xlink:href="asrv-20131231.xsd#asrv_FederalHomeLoanBankPrepaymentPenalties" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankPrepaymentPenalties.36962.11.12" xlink:to="lab_FederalHomeLoanBankPrepaymentPenalties.309794" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankPrepaymentPenalties.309794" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankPrepaymentPenalties.309794">Federal Home Loan Bank prepayment penalties.</link:label>
    <link:loc xlink:label="loc_InterestAndFeeIncomeLoansAndLeasesAbstract.2838.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeasesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndFeeIncomeLoansAndLeasesAbstract.2838.11.6" xlink:to="lab_InterestAndFeeIncomeLoansAndLeasesAbstract.9738" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestAndFeeIncomeLoansAndLeasesAbstract.9738" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestAndFeeIncomeLoansAndLeasesAbstract.9738">Interest and Fee Income, Loans and Leases [Abstract]</link:label>
    <link:loc xlink:label="loc_InterestAndFeeIncomeLoansAndLeasesAbstract.2838.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeasesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndFeeIncomeLoansAndLeasesAbstract.2838.11.8" xlink:to="lab_InterestAndFeeIncomeLoansAndLeasesAbstract.309784" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestAndFeeIncomeLoansAndLeasesAbstract.309784" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestAndFeeIncomeLoansAndLeasesAbstract.309784">Interest and fees on loans:</link:label>
    <link:loc xlink:label="loc_InterestAndFeeIncomeLoansAndLeasesTaxable.36960.11.6" xlink:href="asrv-20131231.xsd#asrv_InterestAndFeeIncomeLoansAndLeasesTaxable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndFeeIncomeLoansAndLeasesTaxable.36960.11.6" xlink:to="lab_InterestAndFeeIncomeLoansAndLeasesTaxable.309785" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestAndFeeIncomeLoansAndLeasesTaxable.309785" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestAndFeeIncomeLoansAndLeasesTaxable.309785">Interest And Fee Income Loans And Leases Taxable</link:label>
    <link:loc xlink:label="loc_InterestAndFeeIncomeLoansAndLeasesTaxable.36960.11.7" xlink:href="asrv-20131231.xsd#asrv_InterestAndFeeIncomeLoansAndLeasesTaxable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndFeeIncomeLoansAndLeasesTaxable.36960.11.7" xlink:to="lab_InterestAndFeeIncomeLoansAndLeasesTaxable.309787" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestAndFeeIncomeLoansAndLeasesTaxable.309787" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestAndFeeIncomeLoansAndLeasesTaxable.309787">Taxable</link:label>
    <link:loc xlink:label="loc_InterestAndFeeIncomeLoansAndLeasesTaxable.36960.11.12" xlink:href="asrv-20131231.xsd#asrv_InterestAndFeeIncomeLoansAndLeasesTaxable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndFeeIncomeLoansAndLeasesTaxable.36960.11.12" xlink:to="lab_InterestAndFeeIncomeLoansAndLeasesTaxable.309786" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestAndFeeIncomeLoansAndLeasesTaxable.309786" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_InterestAndFeeIncomeLoansAndLeasesTaxable.309786">Taxable portion of interest and fee income on loans and leases.</link:label>
    <link:loc xlink:label="loc_InterestAndFeeIncomeLoansAndLeasesTaxExempt.36961.11.6" xlink:href="asrv-20131231.xsd#asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndFeeIncomeLoansAndLeasesTaxExempt.36961.11.6" xlink:to="lab_InterestAndFeeIncomeLoansAndLeasesTaxExempt.309788" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestAndFeeIncomeLoansAndLeasesTaxExempt.309788" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestAndFeeIncomeLoansAndLeasesTaxExempt.309788">Interest And Fee Income Loans And Leases Tax Exempt</link:label>
    <link:loc xlink:label="loc_InterestAndFeeIncomeLoansAndLeasesTaxExempt.36961.11.7" xlink:href="asrv-20131231.xsd#asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndFeeIncomeLoansAndLeasesTaxExempt.36961.11.7" xlink:to="lab_InterestAndFeeIncomeLoansAndLeasesTaxExempt.309790" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestAndFeeIncomeLoansAndLeasesTaxExempt.309790" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestAndFeeIncomeLoansAndLeasesTaxExempt.309790">Tax exempt</link:label>
    <link:loc xlink:label="loc_InterestAndFeeIncomeLoansAndLeasesTaxExempt.36961.11.12" xlink:href="asrv-20131231.xsd#asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndFeeIncomeLoansAndLeasesTaxExempt.36961.11.12" xlink:to="lab_InterestAndFeeIncomeLoansAndLeasesTaxExempt.309789" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestAndFeeIncomeLoansAndLeasesTaxExempt.309789" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_InterestAndFeeIncomeLoansAndLeasesTaxExempt.309789">Tax exempt portion of interest and fee income on loans and leases.</link:label>
    <link:loc xlink:label="loc_BankOwnedLifeInsuranceIncome.6281.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BankOwnedLifeInsuranceIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BankOwnedLifeInsuranceIncome.6281.11.6" xlink:to="us-gaap_BankOwnedLifeInsuranceIncome_lbl.458263.190984.308037" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_BankOwnedLifeInsuranceIncome_lbl.458263.190984.308037" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_BankOwnedLifeInsuranceIncome_lbl.458263.190984.308037">Bank Owned Life Insurance Income</link:label>
    <link:loc xlink:label="loc_BankOwnedLifeInsuranceIncome.6281.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BankOwnedLifeInsuranceIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BankOwnedLifeInsuranceIncome.6281.11.8" xlink:to="us-gaap_BankOwnedLifeInsuranceIncome_lbl.458265.190875.308038" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_BankOwnedLifeInsuranceIncome_lbl.458265.190875.308038" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_BankOwnedLifeInsuranceIncome_lbl.458265.190875.308038">Bank owned life insurance</link:label>
    <link:loc xlink:label="loc_CommonStockDividendsPerShareDeclared.7139.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockDividendsPerShareDeclared" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockDividendsPerShareDeclared.7139.11.8" xlink:to="us-gaap_CommonStockDividendsPerShareDeclared_lbl.458317.190877.308039" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommonStockDividendsPerShareDeclared_lbl.458317.190877.308039" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommonStockDividendsPerShareDeclared_lbl.458317.190877.308039">Cash dividends declared</link:label>
    <link:loc xlink:label="loc_CommonStockDividendsPerShareDeclared.7139.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockDividendsPerShareDeclared" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockDividendsPerShareDeclared.7139.11.6" xlink:to="us-gaap_CommonStockDividendsPerShareDeclared_lbl.458318.190876.308040" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommonStockDividendsPerShareDeclared_lbl.458318.190876.308040" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommonStockDividendsPerShareDeclared_lbl.458318.190876.308040">Common Stock, Dividends, Per Share, Declared</link:label>
    <link:loc xlink:label="loc_DividendsPreferredStock.9020.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendsPreferredStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendsPreferredStock.9020.11.6" xlink:to="us-gaap_DividendsPreferredStock_lbl.458297.190878.308041" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DividendsPreferredStock_lbl.458297.190878.308041" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_DividendsPreferredStock_lbl.458297.190878.308041">Dividends, Preferred Stock</link:label>
    <link:loc xlink:label="loc_DividendsPreferredStock.9020.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendsPreferredStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendsPreferredStock.9020.11.8" xlink:to="us-gaap_DividendsPreferredStock_lbl.458298.190879.308042" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DividendsPreferredStock_lbl.458298.190879.308042" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_DividendsPreferredStock_lbl.458298.190879.308042">Preferred stock dividends and accretion of preferred stock discount</link:label>
    <link:loc xlink:label="loc_EarningsPerShareBasic.9083.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareBasic.9083.11.6" xlink:to="us-gaap_EarningsPerShareBasic_lbl.458303.190880.308043" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_EarningsPerShareBasic_lbl.458303.190880.308043" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_EarningsPerShareBasic_lbl.458303.190880.308043">Earnings Per Share, Basic</link:label>
    <link:loc xlink:label="loc_EarningsPerShareBasic.9083.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareBasic.9083.11.7" xlink:to="us-gaap_EarningsPerShareBasic_lbl.458304.190881.308044" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_EarningsPerShareBasic_lbl.458304.190881.308044" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_EarningsPerShareBasic_lbl.458304.190881.308044">Net income</link:label>
    <link:loc xlink:label="loc_EarningsPerShareBasicAbstract.1740.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareBasicAbstract.1740.11.6" xlink:to="us-gaap_EarningsPerShareBasicAbstract_lbl.458301.190882.308045" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_EarningsPerShareBasicAbstract_lbl.458301.190882.308045" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_EarningsPerShareBasicAbstract_lbl.458301.190882.308045">Earnings Per Share Basic [Abstract]</link:label>
    <link:loc xlink:label="loc_EarningsPerShareBasicAbstract.1740.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareBasicAbstract.1740.11.8" xlink:to="us-gaap_EarningsPerShareBasicAbstract_lbl.458302.190883.308046" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_EarningsPerShareBasicAbstract_lbl.458302.190883.308046" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_EarningsPerShareBasicAbstract_lbl.458302.190883.308046">Basic:</link:label>
    <link:loc xlink:label="loc_EarningsPerShareDiluted.9087.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareDiluted.9087.11.6" xlink:to="us-gaap_EarningsPerShareDiluted_lbl.458311.190884.308047" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_EarningsPerShareDiluted_lbl.458311.190884.308047" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_EarningsPerShareDiluted_lbl.458311.190884.308047">Earnings Per Share Diluted</link:label>
    <link:loc xlink:label="loc_EarningsPerShareDiluted.9087.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareDiluted.9087.11.7" xlink:to="us-gaap_EarningsPerShareDiluted_lbl.458312.190885.308048" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_EarningsPerShareDiluted_lbl.458312.190885.308048" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_EarningsPerShareDiluted_lbl.458312.190885.308048">Net income</link:label>
    <link:loc xlink:label="loc_EarningsPerShareDilutedAbstract.1746.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDilutedAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareDilutedAbstract.1746.11.6" xlink:to="us-gaap_EarningsPerShareDilutedAbstract_lbl.458309.190886.308049" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_EarningsPerShareDilutedAbstract_lbl.458309.190886.308049" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_EarningsPerShareDilutedAbstract_lbl.458309.190886.308049">Earnings Per Share Diluted [Abstract]</link:label>
    <link:loc xlink:label="loc_EarningsPerShareDilutedAbstract.1746.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDilutedAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareDilutedAbstract.1746.11.8" xlink:to="us-gaap_EarningsPerShareDilutedAbstract_lbl.458310.190887.308050" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_EarningsPerShareDilutedAbstract_lbl.458310.190887.308050" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_EarningsPerShareDilutedAbstract_lbl.458310.190887.308050">Diluted:</link:label>
    <link:loc xlink:label="loc_EquipmentExpense.9304.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquipmentExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EquipmentExpense.9304.11.6" xlink:to="us-gaap_EquipmentExpense_lbl.458276.190888.308051" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_EquipmentExpense_lbl.458276.190888.308051" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_EquipmentExpense_lbl.458276.190888.308051">Equipment Expense</link:label>
    <link:loc xlink:label="loc_EquipmentExpense.9304.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquipmentExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EquipmentExpense.9304.11.8" xlink:to="us-gaap_EquipmentExpense_lbl.458277.190889.308052" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_EquipmentExpense_lbl.458277.190889.308052" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_EquipmentExpense_lbl.458277.190889.308052">Equipment expense</link:label>
    <link:loc xlink:label="loc_FederalDepositInsuranceCorporationPremiumExpense.9978.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalDepositInsuranceCorporationPremiumExpense.9978.11.6" xlink:to="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_lbl.458284.190890.308053" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_lbl.458284.190890.308053" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_lbl.458284.190890.308053">Federal Deposit Insurance Corporation Premium Expense</link:label>
    <link:loc xlink:label="loc_FederalDepositInsuranceCorporationPremiumExpense.9978.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalDepositInsuranceCorporationPremiumExpense.9978.11.8" xlink:to="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_lbl.458285.190891.308054" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_lbl.458285.190891.308054" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_lbl.458285.190891.308054">Federal deposit insurance expense</link:label>
    <link:loc xlink:label="loc_FeesAndCommissionsDepositorAccounts.10085.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsDepositorAccounts" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FeesAndCommissionsDepositorAccounts.10085.11.6" xlink:to="us-gaap_FeesAndCommissionsDepositorAccounts_lbl.458261.190892.308055" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FeesAndCommissionsDepositorAccounts_lbl.458261.190892.308055" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FeesAndCommissionsDepositorAccounts_lbl.458261.190892.308055">Fees and Commissions, Depositor Accounts</link:label>
    <link:loc xlink:label="loc_FeesAndCommissionsDepositorAccounts.10085.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsDepositorAccounts" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FeesAndCommissionsDepositorAccounts.10085.11.8" xlink:to="us-gaap_FeesAndCommissionsDepositorAccounts_lbl.458262.190893.308056" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FeesAndCommissionsDepositorAccounts_lbl.458262.190893.308056" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FeesAndCommissionsDepositorAccounts_lbl.458262.190893.308056">Service charges on deposit accounts</link:label>
    <link:loc xlink:label="loc_FeesAndCommissionsFiduciaryAndTrustActivities.10075.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FeesAndCommissionsFiduciaryAndTrustActivities.10075.11.6" xlink:to="us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities_lbl.458252.190894.308057" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities_lbl.458252.190894.308057" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities_lbl.458252.190894.308057">Fees and Commissions, Fiduciary and Trust Activities</link:label>
    <link:loc xlink:label="loc_FeesAndCommissionsFiduciaryAndTrustActivities.10075.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FeesAndCommissionsFiduciaryAndTrustActivities.10075.11.8" xlink:to="us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities_lbl.458253.190895.308058" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities_lbl.458253.190895.308058" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities_lbl.458253.190895.308058">Trust fees</link:label>
    <link:loc xlink:label="loc_GainLossOnSaleOfSecuritiesNet.10649.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnSaleOfSecuritiesNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GainLossOnSaleOfSecuritiesNet.10649.11.6" xlink:to="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl.458256.190896.308059" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl.458256.190896.308059" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl.458256.190896.308059">Gain (Loss) on Sale of Securities, Net</link:label>
    <link:loc xlink:label="loc_GainLossOnSaleOfSecuritiesNet.10649.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnSaleOfSecuritiesNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GainLossOnSaleOfSecuritiesNet.10649.11.8" xlink:to="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl.458258.309791" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl.458258.309791" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl.458258.309791">Net realized gains (losses) on investment securities</link:label>
    <link:loc xlink:label="loc_GainLossOnSalesOfLoansNet.10650.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnSalesOfLoansNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GainLossOnSalesOfLoansNet.10650.11.8" xlink:to="us-gaap_GainLossOnSalesOfLoansNet_lbl.458259.190899.308061" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_GainLossOnSalesOfLoansNet_lbl.458259.190899.308061" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_GainLossOnSalesOfLoansNet_lbl.458259.190899.308061">Net gains on loans held for sale</link:label>
    <link:loc xlink:label="loc_GainLossOnSalesOfLoansNet.10650.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnSalesOfLoansNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GainLossOnSalesOfLoansNet.10650.11.6" xlink:to="us-gaap_GainLossOnSalesOfLoansNet_lbl.458260.190898.308062" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_GainLossOnSalesOfLoansNet_lbl.458260.190898.308062" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_GainLossOnSalesOfLoansNet_lbl.458260.190898.308062">Gain (Loss) on Sales of Loans, Net</link:label>
    <link:loc xlink:label="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.11.6" xlink:to="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_lbl.458290.190900.308063" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_lbl.458290.190900.308063" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_lbl.458290.190900.308063">Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Extraordinary Items, Noncontrolling Interest</link:label>
    <link:loc xlink:label="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.11.9" xlink:to="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_lbl.458291.190901.308064" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_lbl.458291.190901.308064" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_lbl.458291.190901.308064">PRETAX INCOME</link:label>
    <link:loc xlink:label="loc_IncomeStatementAbstract.2649.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeStatementAbstract.2649.11.6" xlink:to="us-gaap_IncomeStatementAbstract_lbl.458213.190902.308065" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_IncomeStatementAbstract_lbl.458213.190902.308065" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_IncomeStatementAbstract_lbl.458213.190902.308065">CONSOLIDATED STATEMENTS OF OPERATIONS [Abstract]</link:label>
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefit.11134.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxExpenseBenefit.11134.11.6" xlink:to="us-gaap_IncomeTaxExpenseBenefit_lbl.458292.190903.308066" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_IncomeTaxExpenseBenefit_lbl.458292.190903.308066" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_IncomeTaxExpenseBenefit_lbl.458292.190903.308066">Income Tax Expense (Benefit)</link:label>
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefit.11134.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxExpenseBenefit.11134.11.8" xlink:to="us-gaap_IncomeTaxExpenseBenefit_lbl.458293.190904.308067" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_IncomeTaxExpenseBenefit_lbl.458293.190904.308067" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_IncomeTaxExpenseBenefit_lbl.458293.190904.308067">Provision for income taxes</link:label>
    <link:loc xlink:label="loc_InterestAndDividendIncomeOperating.11661.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndDividendIncomeOperating.11661.11.6" xlink:to="us-gaap_InterestAndDividendIncomeOperating_lbl.458230.190905.308068" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestAndDividendIncomeOperating_lbl.458230.190905.308068" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestAndDividendIncomeOperating_lbl.458230.190905.308068">Interest and Dividend Income, Operating</link:label>
    <link:loc xlink:label="loc_InterestAndDividendIncomeOperating.11661.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndDividendIncomeOperating.11661.11.9" xlink:to="us-gaap_InterestAndDividendIncomeOperating_lbl.458231.190906.308069" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestAndDividendIncomeOperating_lbl.458231.190906.308069" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestAndDividendIncomeOperating_lbl.458231.190906.308069">Total Interest Income</link:label>
    <link:loc xlink:label="loc_InterestAndDividendIncomeOperatingAbstract.2821.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndDividendIncomeOperatingAbstract.2821.11.6" xlink:to="us-gaap_InterestAndDividendIncomeOperatingAbstract_lbl.458214.190907.308070" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestAndDividendIncomeOperatingAbstract_lbl.458214.190907.308070" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestAndDividendIncomeOperatingAbstract_lbl.458214.190907.308070">Interest And Dividend Income Operating [Abstract]</link:label>
    <link:loc xlink:label="loc_InterestAndDividendIncomeOperatingAbstract.2821.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndDividendIncomeOperatingAbstract.2821.11.8" xlink:to="us-gaap_InterestAndDividendIncomeOperatingAbstract_lbl.458215.190908.308071" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestAndDividendIncomeOperatingAbstract_lbl.458215.190908.308071" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestAndDividendIncomeOperatingAbstract_lbl.458215.190908.308071">INTEREST INCOME</link:label>
    <link:loc xlink:label="loc_InterestAndDividendIncomeSecuritiesAvailableForSale.11617.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndDividendIncomeSecuritiesAvailableForSale.11617.11.6" xlink:to="us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale_lbl.458226.190909.308072" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale_lbl.458226.190909.308072" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale_lbl.458226.190909.308072">Interest and Dividend Income, Securities, Available-for-sale</link:label>
    <link:loc xlink:label="loc_InterestAndDividendIncomeSecuritiesAvailableForSale.11617.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndDividendIncomeSecuritiesAvailableForSale.11617.11.8" xlink:to="us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale_lbl.458227.190910.308073" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale_lbl.458227.190910.308073" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale_lbl.458227.190910.308073">Available for sale</link:label>
    <link:loc xlink:label="loc_InterestAndDividendIncomeSecuritiesByClassificationAbstract.2825.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeSecuritiesByClassificationAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndDividendIncomeSecuritiesByClassificationAbstract.2825.11.6" xlink:to="us-gaap_InterestAndDividendIncomeSecuritiesByClassificationAbstract_lbl.458224.190911.308074" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestAndDividendIncomeSecuritiesByClassificationAbstract_lbl.458224.190911.308074" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestAndDividendIncomeSecuritiesByClassificationAbstract_lbl.458224.190911.308074">Interest and Dividend Income, Securities, by Classification [Abstract]</link:label>
    <link:loc xlink:label="loc_InterestAndDividendIncomeSecuritiesByClassificationAbstract.2825.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeSecuritiesByClassificationAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndDividendIncomeSecuritiesByClassificationAbstract.2825.11.8" xlink:to="us-gaap_InterestAndDividendIncomeSecuritiesByClassificationAbstract_lbl.458225.190912.308075" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestAndDividendIncomeSecuritiesByClassificationAbstract_lbl.458225.190912.308075" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestAndDividendIncomeSecuritiesByClassificationAbstract_lbl.458225.190912.308075">Investment securities:</link:label>
    <link:loc xlink:label="loc_InterestAndDividendIncomeSecuritiesHeldToMaturity.11637.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndDividendIncomeSecuritiesHeldToMaturity.11637.11.6" xlink:to="us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity_lbl.458228.190913.308076" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity_lbl.458228.190913.308076" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity_lbl.458228.190913.308076">Interest and Dividend Income, Securities, Held-to-maturity</link:label>
    <link:loc xlink:label="loc_InterestAndDividendIncomeSecuritiesHeldToMaturity.11637.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndDividendIncomeSecuritiesHeldToMaturity.11637.11.8" xlink:to="us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity_lbl.458229.190914.308077" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity_lbl.458229.190914.308077" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity_lbl.458229.190914.308077">Held to maturity</link:label>
    <link:loc xlink:label="loc_InterestExpense.11654.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpense.11654.11.6" xlink:to="us-gaap_InterestExpense_lbl.458242.190917.308080" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestExpense_lbl.458242.190917.308080" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestExpense_lbl.458242.190917.308080">Interest Expense</link:label>
    <link:loc xlink:label="loc_InterestExpense.11654.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpense.11654.11.9" xlink:to="us-gaap_InterestExpense_lbl.458243.190918.308081" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestExpense_lbl.458243.190918.308081" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestExpense_lbl.458243.190918.308081">Total Interest Expense</link:label>
    <link:loc xlink:label="loc_InterestExpenseAbstract.2834.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseAbstract.2834.11.6" xlink:to="us-gaap_InterestExpenseAbstract_lbl.458232.190919.308082" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestExpenseAbstract_lbl.458232.190919.308082" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestExpenseAbstract_lbl.458232.190919.308082">Interest Expense [Abstract]</link:label>
    <link:loc xlink:label="loc_InterestExpenseAbstract.2834.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseAbstract.2834.11.8" xlink:to="us-gaap_InterestExpenseAbstract_lbl.458233.190920.308083" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestExpenseAbstract_lbl.458233.190920.308083" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestExpenseAbstract_lbl.458233.190920.308083">INTEREST EXPENSE</link:label>
    <link:loc xlink:label="loc_InterestExpenseDeposits.11709.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseDeposits.11709.11.6" xlink:to="us-gaap_InterestExpenseDeposits_lbl.458234.190921.308084" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestExpenseDeposits_lbl.458234.190921.308084" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestExpenseDeposits_lbl.458234.190921.308084">Interest Expense, Deposits</link:label>
    <link:loc xlink:label="loc_InterestExpenseDeposits.11709.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseDeposits.11709.11.8" xlink:to="us-gaap_InterestExpenseDeposits_lbl.458235.190922.308085" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestExpenseDeposits_lbl.458235.190922.308085" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestExpenseDeposits_lbl.458235.190922.308085">Deposits</link:label>
    <link:loc xlink:label="loc_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm.11721.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm.11721.11.6" xlink:to="us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm_lbl.458238.190923.308086" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm_lbl.458238.190923.308086" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm_lbl.458238.190923.308086">Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Long-term</link:label>
    <link:loc xlink:label="loc_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm.11721.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm.11721.11.8" xlink:to="us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm_lbl.458239.190924.308087" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm_lbl.458239.190924.308087" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm_lbl.458239.190924.308087">Advances from Federal Home Loan Bank</link:label>
    <link:loc xlink:label="loc_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm.11710.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm.11710.11.6" xlink:to="us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm_lbl.458236.190925.308088" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm_lbl.458236.190925.308088" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm_lbl.458236.190925.308088">Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Short-term</link:label>
    <link:loc xlink:label="loc_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm.11710.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm.11710.11.8" xlink:to="us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm_lbl.458237.190926.308089" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm_lbl.458237.190926.308089" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm_lbl.458237.190926.308089">Short-term borrowings</link:label>
    <link:loc xlink:label="loc_InterestExpenseJuniorSubordinatedDebentures.11720.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseJuniorSubordinatedDebentures" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseJuniorSubordinatedDebentures.11720.11.6" xlink:to="us-gaap_InterestExpenseJuniorSubordinatedDebentures_lbl.458240.190927.308090" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestExpenseJuniorSubordinatedDebentures_lbl.458240.190927.308090" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestExpenseJuniorSubordinatedDebentures_lbl.458240.190927.308090">Interest Expense, Junior Subordinated Debentures</link:label>
    <link:loc xlink:label="loc_InterestExpenseJuniorSubordinatedDebentures.11720.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseJuniorSubordinatedDebentures" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseJuniorSubordinatedDebentures.11720.11.8" xlink:to="us-gaap_InterestExpenseJuniorSubordinatedDebentures_lbl.458241.190928.308091" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestExpenseJuniorSubordinatedDebentures_lbl.458241.190928.308091" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestExpenseJuniorSubordinatedDebentures_lbl.458241.190928.308091">Guaranteed junior subordinated deferrable interest debentures</link:label>
    <link:loc xlink:label="loc_InterestIncomeDepositsWithFinancialInstitutions.11712.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeDepositsWithFinancialInstitutions" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestIncomeDepositsWithFinancialInstitutions.11712.11.6" xlink:to="us-gaap_InterestIncomeDepositsWithFinancialInstitutions_lbl.458218.190929.308092" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestIncomeDepositsWithFinancialInstitutions_lbl.458218.190929.308092" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestIncomeDepositsWithFinancialInstitutions_lbl.458218.190929.308092">Interest Income, Deposits with Financial Institutions</link:label>
    <link:loc xlink:label="loc_InterestIncomeDepositsWithFinancialInstitutions.11712.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeDepositsWithFinancialInstitutions" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestIncomeDepositsWithFinancialInstitutions.11712.11.8" xlink:to="us-gaap_InterestIncomeDepositsWithFinancialInstitutions_lbl.458219.190930.308093" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestIncomeDepositsWithFinancialInstitutions_lbl.458219.190930.308093" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestIncomeDepositsWithFinancialInstitutions_lbl.458219.190930.308093">Interest bearing deposits</link:label>
    <link:loc xlink:label="loc_InterestIncomeExpenseAfterProvisionForLoanLoss.11739.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestIncomeExpenseAfterProvisionForLoanLoss.11739.11.6" xlink:to="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl.458248.190931.308094" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl.458248.190931.308094" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl.458248.190931.308094">Interest Income (Expense), after Provision for Loan Loss</link:label>
    <link:loc xlink:label="loc_InterestIncomeExpenseAfterProvisionForLoanLoss.11739.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestIncomeExpenseAfterProvisionForLoanLoss.11739.11.9" xlink:to="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl.458249.190932.308095" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl.458249.190932.308095" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl.458249.190932.308095">Net Interest Income after credit provision for Loan Losses</link:label>
    <link:loc xlink:label="loc_InterestIncomeExpenseNet.11727.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestIncomeExpenseNet.11727.11.6" xlink:to="us-gaap_InterestIncomeExpenseNet_lbl.458244.190933.308096" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestIncomeExpenseNet_lbl.458244.190933.308096" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestIncomeExpenseNet_lbl.458244.190933.308096">Interest Income (Expense), Net</link:label>
    <link:loc xlink:label="loc_InterestIncomeExpenseNet.11727.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestIncomeExpenseNet.11727.11.9" xlink:to="us-gaap_InterestIncomeExpenseNet_lbl.458245.190934.308097" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestIncomeExpenseNet_lbl.458245.190934.308097" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestIncomeExpenseNet_lbl.458245.190934.308097">Net Interest Income</link:label>
    <link:loc xlink:label="loc_InterestIncomeFederalFundsSold.11692.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeFederalFundsSold" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestIncomeFederalFundsSold.11692.11.6" xlink:to="us-gaap_InterestIncomeFederalFundsSold_lbl.458222.190935.308098" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestIncomeFederalFundsSold_lbl.458222.190935.308098" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestIncomeFederalFundsSold_lbl.458222.190935.308098">Interest Income, Federal Funds Sold</link:label>
    <link:loc xlink:label="loc_InterestIncomeFederalFundsSold.11692.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeFederalFundsSold" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestIncomeFederalFundsSold.11692.11.8" xlink:to="us-gaap_InterestIncomeFederalFundsSold_lbl.458223.190936.308099" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestIncomeFederalFundsSold_lbl.458223.190936.308099" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestIncomeFederalFundsSold_lbl.458223.190936.308099">Federal funds sold</link:label>
    <link:loc xlink:label="loc_InterestIncomeMoneyMarketDeposits.11740.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeMoneyMarketDeposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestIncomeMoneyMarketDeposits.11740.11.6" xlink:to="us-gaap_InterestIncomeMoneyMarketDeposits_lbl.458220.190937.308100" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestIncomeMoneyMarketDeposits_lbl.458220.190937.308100" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestIncomeMoneyMarketDeposits_lbl.458220.190937.308100">Interest Income Money Market Deposits</link:label>
    <link:loc xlink:label="loc_InterestIncomeMoneyMarketDeposits.11740.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeMoneyMarketDeposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestIncomeMoneyMarketDeposits.11740.11.8" xlink:to="us-gaap_InterestIncomeMoneyMarketDeposits_lbl.458221.190938.308101" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestIncomeMoneyMarketDeposits_lbl.458221.190938.308101" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestIncomeMoneyMarketDeposits_lbl.458221.190938.308101">Short-term investments in money market funds</link:label>
    <link:loc xlink:label="loc_InvestmentAdvisoryFees.11897.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentAdvisoryFees" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentAdvisoryFees.11897.11.6" xlink:to="us-gaap_InvestmentAdvisoryFees_lbl.458254.190939.308102" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InvestmentAdvisoryFees_lbl.458254.190939.308102" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InvestmentAdvisoryFees_lbl.458254.190939.308102">Investment Advisory Fees</link:label>
    <link:loc xlink:label="loc_InvestmentAdvisoryFees.11897.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentAdvisoryFees" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentAdvisoryFees.11897.11.8" xlink:to="us-gaap_InvestmentAdvisoryFees_lbl.458255.190940.308103" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InvestmentAdvisoryFees_lbl.458255.190940.308103" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InvestmentAdvisoryFees_lbl.458255.190940.308103">Investment advisory fees</link:label>
    <link:loc xlink:label="loc_LaborAndRelatedExpense.12056.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LaborAndRelatedExpense.12056.11.6" xlink:to="us-gaap_LaborAndRelatedExpense_lbl.458272.190941.308104" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LaborAndRelatedExpense_lbl.458272.190941.308104" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LaborAndRelatedExpense_lbl.458272.190941.308104">Labor and Related Expense</link:label>
    <link:loc xlink:label="loc_LaborAndRelatedExpense.12056.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LaborAndRelatedExpense.12056.11.8" xlink:to="us-gaap_LaborAndRelatedExpense_lbl.458273.190942.308105" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LaborAndRelatedExpense_lbl.458273.190942.308105" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_LaborAndRelatedExpense_lbl.458273.190942.308105">Salaries and employee benefits</link:label>
    <link:loc xlink:label="loc_NetIncomeLoss.13265.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetIncomeLoss.13265.11.9" xlink:to="us-gaap_NetIncomeLoss_lbl.458295.190943.308106" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NetIncomeLoss_lbl.458295.190943.308106" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_NetIncomeLoss_lbl.458295.190943.308106">NET INCOME</link:label>
    <link:loc xlink:label="loc_NetIncomeLossAvailableToCommonStockholdersBasic.13214.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetIncomeLossAvailableToCommonStockholdersBasic.13214.11.9" xlink:to="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl.458299.190945.308107" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl.458299.190945.308107" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl.458299.190945.308107">NET INCOME AVAILABLE TO COMMON SHAREHOLDERS</link:label>
    <link:loc xlink:label="loc_NetIncomeLossAvailableToCommonStockholdersBasic.13214.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetIncomeLossAvailableToCommonStockholdersBasic.13214.11.6" xlink:to="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl.458300.190944.308108" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl.458300.190944.308108" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl.458300.190944.308108">Net Income (Loss) Available to Common Stockholders, Basic</link:label>
    <link:loc xlink:label="loc_NoninterestExpense.13363.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestExpense.13363.11.9" xlink:to="us-gaap_NoninterestExpense_lbl.458288.190947.308109" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NoninterestExpense_lbl.458288.190947.308109" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_NoninterestExpense_lbl.458288.190947.308109">Total Non-Interest Expense</link:label>
    <link:loc xlink:label="loc_NoninterestExpense.13363.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestExpense.13363.11.6" xlink:to="us-gaap_NoninterestExpense_lbl.458289.190946.308110" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NoninterestExpense_lbl.458289.190946.308110" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_NoninterestExpense_lbl.458289.190946.308110">Noninterest Expense</link:label>
    <link:loc xlink:label="loc_NoninterestExpenseAbstract.3577.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestExpenseAbstract.3577.11.6" xlink:to="us-gaap_NoninterestExpenseAbstract_lbl.458270.190948.308111" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NoninterestExpenseAbstract_lbl.458270.190948.308111" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_NoninterestExpenseAbstract_lbl.458270.190948.308111">Noninterest Expense [Abstract]</link:label>
    <link:loc xlink:label="loc_NoninterestExpenseAbstract.3577.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestExpenseAbstract.3577.11.8" xlink:to="us-gaap_NoninterestExpenseAbstract_lbl.458271.190949.308112" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NoninterestExpenseAbstract_lbl.458271.190949.308112" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_NoninterestExpenseAbstract_lbl.458271.190949.308112">NON-INTEREST EXPENSE</link:label>
    <link:loc xlink:label="loc_NoninterestIncome.13366.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestIncome.13366.11.6" xlink:to="us-gaap_NoninterestIncome_lbl.458268.190950.308113" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NoninterestIncome_lbl.458268.190950.308113" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_NoninterestIncome_lbl.458268.190950.308113">Noninterest Income</link:label>
    <link:loc xlink:label="loc_NoninterestIncome.13366.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestIncome.13366.11.9" xlink:to="us-gaap_NoninterestIncome_lbl.458269.190951.308114" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NoninterestIncome_lbl.458269.190951.308114" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_NoninterestIncome_lbl.458269.190951.308114">Total Non-Interest Income</link:label>
    <link:loc xlink:label="loc_NoninterestIncomeAbstract.3573.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestIncomeAbstract.3573.11.6" xlink:to="us-gaap_NoninterestIncomeAbstract_lbl.458250.190952.308115" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NoninterestIncomeAbstract_lbl.458250.190952.308115" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_NoninterestIncomeAbstract_lbl.458250.190952.308115">Noninterest Income [Abstract]</link:label>
    <link:loc xlink:label="loc_NoninterestIncomeAbstract.3573.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestIncomeAbstract.3573.11.8" xlink:to="us-gaap_NoninterestIncomeAbstract_lbl.458251.190953.308116" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NoninterestIncomeAbstract_lbl.458251.190953.308116" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_NoninterestIncomeAbstract_lbl.458251.190953.308116">NON-INTEREST INCOME</link:label>
    <link:loc xlink:label="loc_NoninterestIncomeOtherOperatingIncome.13364.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestIncomeOtherOperatingIncome.13364.11.6" xlink:to="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl.458266.190954.308117" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl.458266.190954.308117" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl.458266.190954.308117">Noninterest Income, Other Operating Income</link:label>
    <link:loc xlink:label="loc_NoninterestIncomeOtherOperatingIncome.13364.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestIncomeOtherOperatingIncome.13364.11.8" xlink:to="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl.458267.190955.308118" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl.458267.190955.308118" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_NoninterestIncomeOtherOperatingIncome_lbl.458267.190955.308118">Other income</link:label>
    <link:loc xlink:label="loc_OccupancyNet.13516.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OccupancyNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OccupancyNet.13516.11.6" xlink:to="us-gaap_OccupancyNet_lbl.458274.190956.308119" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OccupancyNet_lbl.458274.190956.308119" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_OccupancyNet_lbl.458274.190956.308119">Occupancy, Net</link:label>
    <link:loc xlink:label="loc_OccupancyNet.13516.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OccupancyNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OccupancyNet.13516.11.8" xlink:to="us-gaap_OccupancyNet_lbl.458275.190957.308120" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OccupancyNet_lbl.458275.190957.308120" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_OccupancyNet_lbl.458275.190957.308120">Net occupancy expense</link:label>
    <link:loc xlink:label="loc_OtherNoninterestExpense.13993.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherNoninterestExpense.13993.11.6" xlink:to="us-gaap_OtherNoninterestExpense_lbl.458286.190958.308121" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherNoninterestExpense_lbl.458286.190958.308121" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherNoninterestExpense_lbl.458286.190958.308121">Other Noninterest Expense</link:label>
    <link:loc xlink:label="loc_OtherNoninterestExpense.13993.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherNoninterestExpense.13993.11.8" xlink:to="us-gaap_OtherNoninterestExpense_lbl.458287.190959.308122" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherNoninterestExpense_lbl.458287.190959.308122" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherNoninterestExpense_lbl.458287.190959.308122">Other expense</link:label>
    <link:loc xlink:label="loc_ProfessionalFees.15186.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProfessionalFees" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProfessionalFees.15186.11.6" xlink:to="us-gaap_ProfessionalFees_lbl.458278.190960.308123" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProfessionalFees_lbl.458278.190960.308123" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProfessionalFees_lbl.458278.190960.308123">Professional Fees</link:label>
    <link:loc xlink:label="loc_ProfessionalFees.15186.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProfessionalFees" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProfessionalFees.15186.11.8" xlink:to="us-gaap_ProfessionalFees_lbl.458279.190961.308124" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ProfessionalFees_lbl.458279.190961.308124" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ProfessionalFees_lbl.458279.190961.308124">Professional fees</link:label>
    <link:loc xlink:label="loc_SuppliesAndPostageExpense.17428.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SuppliesAndPostageExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SuppliesAndPostageExpense.17428.11.6" xlink:to="us-gaap_SuppliesAndPostageExpense_lbl.458280.190964.308125" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_SuppliesAndPostageExpense_lbl.458280.190964.308125" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_SuppliesAndPostageExpense_lbl.458280.190964.308125">Supplies and Postage Expense</link:label>
    <link:loc xlink:label="loc_SuppliesAndPostageExpense.17428.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SuppliesAndPostageExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SuppliesAndPostageExpense.17428.11.8" xlink:to="us-gaap_SuppliesAndPostageExpense_lbl.458281.190965.308126" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_SuppliesAndPostageExpense_lbl.458281.190965.308126" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_SuppliesAndPostageExpense_lbl.458281.190965.308126">Supplies, postage and freight</link:label>
    <link:loc xlink:label="loc_TaxesOther.17484.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TaxesOther" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TaxesOther.17484.11.6" xlink:to="us-gaap_TaxesOther_lbl.458282.190966.308127" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TaxesOther_lbl.458282.190966.308127" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_TaxesOther_lbl.458282.190966.308127">Taxes, Other</link:label>
    <link:loc xlink:label="loc_TaxesOther.17484.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TaxesOther" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TaxesOther.17484.11.8" xlink:to="us-gaap_TaxesOther_lbl.458283.190967.308128" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TaxesOther_lbl.458283.190967.308128" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_TaxesOther_lbl.458283.190967.308128">Miscellaneous taxes and insurance</link:label>
    <link:loc xlink:label="loc_WeightedAverageNumberOfDilutedSharesOutstanding.18047.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WeightedAverageNumberOfDilutedSharesOutstanding.18047.11.6" xlink:to="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl.458314.190968.308129" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl.458314.190968.308129" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl.458314.190968.308129">Weighted Average Number of Shares Outstanding, Diluted</link:label>
    <link:loc xlink:label="loc_WeightedAverageNumberOfDilutedSharesOutstanding.18047.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WeightedAverageNumberOfDilutedSharesOutstanding.18047.11.7" xlink:to="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl.458315.190969.308130" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl.458315.190969.308130" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl.458315.190969.308130">Average number of shares outstanding</link:label>
    <link:loc xlink:label="loc_WeightedAverageNumberOfSharesOutstandingBasic.18031.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WeightedAverageNumberOfSharesOutstandingBasic.18031.11.6" xlink:to="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl.458306.190970.308131" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl.458306.190970.308131" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl.458306.190970.308131">Weighted Average Number of Shares Outstanding, Basic</link:label>
    <link:loc xlink:label="loc_WeightedAverageNumberOfSharesOutstandingBasic.18031.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WeightedAverageNumberOfSharesOutstandingBasic.18031.11.7" xlink:to="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl.458307.190971.308132" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl.458307.190971.308132" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl.458307.190971.308132">Average number of shares outstanding</link:label>
    <link:loc xlink:label="loc_DocumentAndEntityInformationAbstract.36797.11.6" xlink:href="asrv-20131231.xsd#asrv_DocumentAndEntityInformationAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DocumentAndEntityInformationAbstract.36797.11.6" xlink:to="asrv_DocumentAndEntityInformationAbstract_lbl.458087.191152.308133" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_DocumentAndEntityInformationAbstract_lbl.458087.191152.308133" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_DocumentAndEntityInformationAbstract_lbl.458087.191152.308133">Document and Entity Information [Abstract]</link:label>
    <link:loc xlink:label="loc_DocumentAndEntityInformationAbstract.36797.11.12" xlink:href="asrv-20131231.xsd#asrv_DocumentAndEntityInformationAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DocumentAndEntityInformationAbstract.36797.11.12" xlink:to="asrv_DocumentAndEntityInformationAbstract_lbl.458088.191153.308134" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_DocumentAndEntityInformationAbstract_lbl.458088.191153.308134" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_DocumentAndEntityInformationAbstract_lbl.458088.191153.308134">Document and entity information.</link:label>
    <link:loc xlink:label="loc_AmendmentFlag.144.11.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmendmentFlag.144.11.6" xlink:to="dei_AmendmentFlag_lbl.458093.191154.308135" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="dei_AmendmentFlag_lbl.458093.191154.308135" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="dei_AmendmentFlag_lbl.458093.191154.308135">Amendment Flag</link:label>
    <link:loc xlink:label="loc_CurrentFiscalYearEndDate.155.11.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CurrentFiscalYearEndDate.155.11.6" xlink:to="dei_CurrentFiscalYearEndDate_lbl.458096.191155.308136" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="dei_CurrentFiscalYearEndDate_lbl.458096.191155.308136" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="dei_CurrentFiscalYearEndDate_lbl.458096.191155.308136">Current Fiscal Year End Date</link:label>
    <link:loc xlink:label="loc_DocumentFiscalPeriodFocus.206.11.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_DocumentFiscalPeriodFocus" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DocumentFiscalPeriodFocus.206.11.6" xlink:to="dei_DocumentFiscalPeriodFocus_lbl.458095.191156.308137" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="dei_DocumentFiscalPeriodFocus_lbl.458095.191156.308137" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="dei_DocumentFiscalPeriodFocus_lbl.458095.191156.308137">Document Fiscal Period Focus</link:label>
    <link:loc xlink:label="loc_DocumentFiscalYearFocus.205.11.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DocumentFiscalYearFocus.205.11.6" xlink:to="dei_DocumentFiscalYearFocus_lbl.458094.191157.308138" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="dei_DocumentFiscalYearFocus_lbl.458094.191157.308138" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="dei_DocumentFiscalYearFocus_lbl.458094.191157.308138">Document Fiscal Year Focus</link:label>
    <link:loc xlink:label="loc_DocumentPeriodEndDate.161.11.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DocumentPeriodEndDate.161.11.6" xlink:to="dei_DocumentPeriodEndDate_lbl.458092.191158.308139" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="dei_DocumentPeriodEndDate_lbl.458092.191158.308139" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="dei_DocumentPeriodEndDate_lbl.458092.191158.308139">Document Period End Date</link:label>
    <link:loc xlink:label="loc_DocumentType.210.11.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_DocumentType" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DocumentType.210.11.6" xlink:to="dei_DocumentType_lbl.458091.191159.308140" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="dei_DocumentType_lbl.458091.191159.308140" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="dei_DocumentType_lbl.458091.191159.308140">Document Type</link:label>
    <link:loc xlink:label="loc_EntityCentralIndexKey.186.11.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EntityCentralIndexKey.186.11.6" xlink:to="dei_EntityCentralIndexKey_lbl.458090.191160.308141" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="dei_EntityCentralIndexKey_lbl.458090.191160.308141" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="dei_EntityCentralIndexKey_lbl.458090.191160.308141">Entity Central Index Key</link:label>
    <link:loc xlink:label="loc_EntityCommonStockSharesOutstanding.190.11.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityCommonStockSharesOutstanding" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EntityCommonStockSharesOutstanding.190.11.6" xlink:to="dei_EntityCommonStockSharesOutstanding_lbl.458098.191161.308142" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="dei_EntityCommonStockSharesOutstanding_lbl.458098.191161.308142" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="dei_EntityCommonStockSharesOutstanding_lbl.458098.191161.308142">Entity Common Stock, Shares Outstanding</link:label>
    <link:loc xlink:label="loc_EntityFilerCategory.183.11.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityFilerCategory" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EntityFilerCategory.183.11.6" xlink:to="dei_EntityFilerCategory_lbl.458097.191162.308143" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="dei_EntityFilerCategory_lbl.458097.191162.308143" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="dei_EntityFilerCategory_lbl.458097.191162.308143">Entity Filer Category</link:label>
    <link:loc xlink:label="loc_EntityRegistrantName.185.11.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EntityRegistrantName.185.11.6" xlink:to="dei_EntityRegistrantName_lbl.458089.191163.308144" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="dei_EntityRegistrantName_lbl.458089.191163.308144" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="dei_EntityRegistrantName_lbl.458089.191163.308144">Entity Registrant Name</link:label>
    <link:loc xlink:label="loc_EntityCurrentReportingStatus.182.11.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityCurrentReportingStatus" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EntityCurrentReportingStatus.182.11.6" xlink:to="lab_EntityCurrentReportingStatus.309816" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EntityCurrentReportingStatus.309816" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EntityCurrentReportingStatus.309816">Entity Current Reporting Status</link:label>
    <link:loc xlink:label="loc_EntityPublicFloat.184.11.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityPublicFloat" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EntityPublicFloat.184.11.6" xlink:to="lab_EntityPublicFloat.309813" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EntityPublicFloat.309813" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EntityPublicFloat.309813">Entity Public Float</link:label>
    <link:loc xlink:label="loc_EntityVoluntaryFilers.181.11.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityVoluntaryFilers" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EntityVoluntaryFilers.181.11.6" xlink:to="lab_EntityVoluntaryFilers.309815" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EntityVoluntaryFilers.309815" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EntityVoluntaryFilers.309815">Entity Voluntary Filers</link:label>
    <link:loc xlink:label="loc_EntityWellKnownSeasonedIssuer.180.11.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EntityWellKnownSeasonedIssuer.180.11.6" xlink:to="lab_EntityWellKnownSeasonedIssuer.309814" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EntityWellKnownSeasonedIssuer.309814" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EntityWellKnownSeasonedIssuer.309814">Entity Well-known Seasoned Issuer</link:label>
    <link:loc xlink:label="loc_FairValueDisclosuresAbstract.2053.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueDisclosuresAbstract.2053.11.6" xlink:to="us-gaap_FairValueDisclosuresAbstract_lbl.458434.191229.308145" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueDisclosuresAbstract_lbl.458434.191229.308145" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueDisclosuresAbstract_lbl.458434.191229.308145">DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS [Abstract]</link:label>
    <link:loc xlink:label="loc_FairValueMeasurementInputsDisclosureTextBlock.9870.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementInputsDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueMeasurementInputsDisclosureTextBlock.9870.11.6" xlink:to="us-gaap_FairValueMeasurementInputsDisclosureTextBlock_lbl.458435.191230.308146" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueMeasurementInputsDisclosureTextBlock_lbl.458435.191230.308146" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueMeasurementInputsDisclosureTextBlock_lbl.458435.191230.308146">Fair Value, Measurement Inputs, Disclosure [Text Block]</link:label>
    <link:loc xlink:label="loc_FairValueMeasurementInputsDisclosureTextBlock.9870.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementInputsDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueMeasurementInputsDisclosureTextBlock.9870.11.8" xlink:to="us-gaap_FairValueMeasurementInputsDisclosureTextBlock_lbl.458436.191231.308147" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueMeasurementInputsDisclosureTextBlock_lbl.458436.191231.308147" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueMeasurementInputsDisclosureTextBlock_lbl.458436.191231.308147">DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS</link:label>
    <link:loc xlink:label="loc_CorporateBondSecuritiesMember.1228.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateBondSecuritiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CorporateBondSecuritiesMember.1228.11.6" xlink:to="lab_CorporateBondSecuritiesMember.459064.190480.308148" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CorporateBondSecuritiesMember.459064.190480.308148" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CorporateBondSecuritiesMember.459064.190480.308148">Corporate Bond Securities [Member]</link:label>
    <link:loc xlink:label="loc_CorporateBondSecuritiesMember.1228.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateBondSecuritiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CorporateBondSecuritiesMember.1228.11.8" xlink:to="lab_CorporateBondSecuritiesMember.460932.190481.308149" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CorporateBondSecuritiesMember.460932.190481.308149" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CorporateBondSecuritiesMember.460932.190481.308149">Corporate Bond Securities [Member]</link:label>
    <link:loc xlink:label="loc_DerivativeLiabilities.8379.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeLiabilities.8379.11.8" xlink:to="lab_DerivativeLiabilities.197963.308151" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeLiabilities.197963.308151" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeLiabilities.197963.308151">Fair value of swap liability</link:label>
    <link:loc xlink:label="loc_DerivativeLiabilities.8379.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeLiabilities.8379.11.6" xlink:to="lab_DerivativeLiabilities.4714.308150" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeLiabilities.4714.308150" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeLiabilities.4714.308150">Derivative Liability</link:label>
    <link:loc xlink:label="loc_FairValueInputsLevel1Member.2138.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueInputsLevel1Member.2138.11.6" xlink:to="lab_FairValueInputsLevel1Member.459103.190482.308152" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueInputsLevel1Member.459103.190482.308152" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FairValueInputsLevel1Member.459103.190482.308152">Fair Value, Inputs, Level 1 [Member]</link:label>
    <link:loc xlink:label="loc_FairValueInputsLevel1Member.2138.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueInputsLevel1Member.2138.11.8" xlink:to="lab_FairValueInputsLevel1Member.459104.190483.308153" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueInputsLevel1Member.459104.190483.308153" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FairValueInputsLevel1Member.459104.190483.308153">Level 1 [Member]</link:label>
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtSecurityAxis.1358.11.6" xlink:to="us-gaap_DebtSecurityAxis_lbl.458532.190484.308154" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DebtSecurityAxis_lbl.458532.190484.308154" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_DebtSecurityAxis_lbl.458532.190484.308154">Debt Security [Axis]</link:label>
    <link:loc xlink:label="loc_DerivativeAssets.8438.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeAssets.8438.11.6" xlink:to="us-gaap_DerivativeAssets_lbl.458965.190485.308155" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DerivativeAssets_lbl.458965.190485.308155" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_DerivativeAssets_lbl.458965.190485.308155">Derivative Assets</link:label>
    <link:loc xlink:label="loc_DerivativeAssets.8438.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeAssets.8438.11.8" xlink:to="us-gaap_DerivativeAssets_lbl.458966.190486.308156" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DerivativeAssets_lbl.458966.190486.308156" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_DerivativeAssets_lbl.458966.190486.308156">Fair value of swap asset</link:label>
    <link:loc xlink:label="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.11.6" xlink:to="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_lbl.458961.190490.308158" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_lbl.458961.190490.308158" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_lbl.458961.190490.308158">Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</link:label>
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueByFairValueHierarchyLevelAxis.1998.11.6" xlink:to="us-gaap_FairValueByFairValueHierarchyLevelAxis_lbl.458954.190491.308159" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueByFairValueHierarchyLevelAxis_lbl.458954.190491.308159" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueByFairValueHierarchyLevelAxis_lbl.458954.190491.308159">Fair Value, Hierarchy [Axis]</link:label>
    <link:loc xlink:label="loc_FairValueInputsLevel2Member.2139.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueInputsLevel2Member.2139.11.8" xlink:to="us-gaap_FairValueInputsLevel2Member_lbl.458959.190494.308161" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueInputsLevel2Member_lbl.458959.190494.308161" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueInputsLevel2Member_lbl.458959.190494.308161">Level 2 [Member]</link:label>
    <link:loc xlink:label="loc_FairValueInputsLevel2Member.2139.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueInputsLevel2Member.2139.11.6" xlink:to="us-gaap_FairValueInputsLevel2Member_lbl.458960.190493.308162" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueInputsLevel2Member_lbl.458960.190493.308162" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueInputsLevel2Member_lbl.458960.190493.308162">Fair Value Inputs Level2 [Member]</link:label>
    <link:loc xlink:label="loc_FairValueInputsLevel3Member.2129.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueInputsLevel3Member.2129.11.8" xlink:to="us-gaap_FairValueInputsLevel3Member_lbl.458975.190496.308163" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueInputsLevel3Member_lbl.458975.190496.308163" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueInputsLevel3Member_lbl.458975.190496.308163">Level 3 [Member]</link:label>
    <link:loc xlink:label="loc_FairValueInputsLevel3Member.2129.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueInputsLevel3Member.2129.11.6" xlink:to="us-gaap_FairValueInputsLevel3Member_lbl.458976.190495.308164" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueInputsLevel3Member_lbl.458976.190495.308164" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueInputsLevel3Member_lbl.458976.190495.308164">Fair Value Inputs Level3 [Member]</link:label>
    <link:loc xlink:label="loc_FairValueMeasurementFrequencyDomain.2021.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueMeasurementFrequencyDomain.2021.11.7" xlink:to="us-gaap_FairValueMeasurementFrequencyDomain_lbl.458971.190498.308165" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueMeasurementFrequencyDomain_lbl.458971.190498.308165" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueMeasurementFrequencyDomain_lbl.458971.190498.308165">Fair Value, Measurement Frequency [Domain]</link:label>
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.11.7" xlink:to="us-gaap_FairValueMeasurementsFairValueHierarchyDomain_lbl.458955.190500.308167" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueMeasurementsFairValueHierarchyDomain_lbl.458955.190500.308167" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueMeasurementsFairValueHierarchyDomain_lbl.458955.190500.308167">Fair Value, Measurements, Fair Value Hierarchy [Domain]</link:label>
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.11.6" xlink:to="us-gaap_FairValueMeasurementsFairValueHierarchyDomain_lbl.458956.190499.308168" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueMeasurementsFairValueHierarchyDomain_lbl.458956.190499.308168" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueMeasurementsFairValueHierarchyDomain_lbl.458956.190499.308168">Fair Value Measurements Fair Value Hierarchy [Domain]</link:label>
    <link:loc xlink:label="loc_FairValueMeasurementsRecurringMember.2011.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsRecurringMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueMeasurementsRecurringMember.2011.11.8" xlink:to="us-gaap_FairValueMeasurementsRecurringMember_lbl.458957.190502.308169" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueMeasurementsRecurringMember_lbl.458957.190502.308169" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueMeasurementsRecurringMember_lbl.458957.190502.308169">Fair Value Measurements, Recurring Basis [Member]</link:label>
    <link:loc xlink:label="loc_FairValueMeasurementsRecurringMember.2011.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsRecurringMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueMeasurementsRecurringMember.2011.11.6" xlink:to="us-gaap_FairValueMeasurementsRecurringMember_lbl.458958.190501.308170" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueMeasurementsRecurringMember_lbl.458958.190501.308170" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueMeasurementsRecurringMember_lbl.458958.190501.308170">Fair Value Measurements Recurring [Member]</link:label>
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.11.6" xlink:to="us-gaap_MajorTypesOfDebtSecuritiesDomain_lbl.458533.190503.308171" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_MajorTypesOfDebtSecuritiesDomain_lbl.458533.190503.308171" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_MajorTypesOfDebtSecuritiesDomain_lbl.458533.190503.308171">Major Types of Debt Securities [Domain]</link:label>
    <link:loc xlink:label="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.11.6" xlink:to="us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_lbl.458537.190504.308172" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_lbl.458537.190504.308172" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_lbl.458537.190504.308172">Mortgage Backed Securities Issued By U S Government Sponsored Enterprises [Member]</link:label>
    <link:loc xlink:label="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.11.8" xlink:to="us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_lbl.458538.190505.308173" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_lbl.458538.190505.308173" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_lbl.458538.190505.308173">U.S. Agency mortgage-backed securities [Member]</link:label>
    <link:loc xlink:label="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.11.6" xlink:to="us-gaap_USGovernmentAgenciesDebtSecuritiesMember_lbl.458534.190506.308174" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_USGovernmentAgenciesDebtSecuritiesMember_lbl.458534.190506.308174" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_USGovernmentAgenciesDebtSecuritiesMember_lbl.458534.190506.308174">U S Government Agencies Debt Securities [Member]</link:label>
    <link:loc xlink:label="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.11.8" xlink:to="us-gaap_USGovernmentAgenciesDebtSecuritiesMember_lbl.458536.190507.308175" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_USGovernmentAgenciesDebtSecuritiesMember_lbl.458536.190507.308175" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_USGovernmentAgenciesDebtSecuritiesMember_lbl.458536.190507.308175">U.S. Agency Securities [Member]</link:label>
    <link:loc xlink:label="loc_FairValueAppraisalOfAdjustments.36798.11.8" xlink:href="asrv-20131231.xsd#asrv_FairValueAppraisalOfAdjustments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueAppraisalOfAdjustments.36798.11.8" xlink:to="asrv_FairValueOfImpairedLoansAppraisalOfAdjustments_lbl.459179.190462.308177" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_FairValueOfImpairedLoansAppraisalOfAdjustments_lbl.459179.190462.308177" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_FairValueOfImpairedLoansAppraisalOfAdjustments_lbl.459179.190462.308177">Appraisal of Adjustment</link:label>
    <link:loc xlink:label="loc_FairValueAppraisalOfAdjustments.36798.11.12" xlink:href="asrv-20131231.xsd#asrv_FairValueAppraisalOfAdjustments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueAppraisalOfAdjustments.36798.11.12" xlink:to="asrv_FairValueOfImpairedLoansAppraisalOfAdjustments_lbl.459180.190463.308178" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_FairValueOfImpairedLoansAppraisalOfAdjustments_lbl.459180.190463.308178" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_FairValueOfImpairedLoansAppraisalOfAdjustments_lbl.459180.190463.308178">Fair value appraisal of adjustments.</link:label>
    <link:loc xlink:label="loc_FairValueLiquidationExpenses.36799.11.8" xlink:href="asrv-20131231.xsd#asrv_FairValueLiquidationExpenses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueLiquidationExpenses.36799.11.8" xlink:to="asrv_FairValueOfImpairedLoansLiquidationExpenses_lbl.459112.190465.308180" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_FairValueOfImpairedLoansLiquidationExpenses_lbl.459112.190465.308180" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_FairValueOfImpairedLoansLiquidationExpenses_lbl.459112.190465.308180">Liquidation Expense</link:label>
    <link:loc xlink:label="loc_FairValueLiquidationExpenses.36799.11.12" xlink:href="asrv-20131231.xsd#asrv_FairValueLiquidationExpenses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueLiquidationExpenses.36799.11.12" xlink:to="asrv_FairValueOfImpairedLoansLiquidationExpenses_lbl.459113.190466.308181" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_FairValueOfImpairedLoansLiquidationExpenses_lbl.459113.190466.308181" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_FairValueOfImpairedLoansLiquidationExpenses_lbl.459113.190466.308181">Fair value liquidation expenses.</link:label>
    <link:loc xlink:label="loc_FairValueAppraisalOfAdjustments.36798.11.6" xlink:href="asrv-20131231.xsd#asrv_FairValueAppraisalOfAdjustments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueAppraisalOfAdjustments.36798.11.6" xlink:to="lab_FairValueAppraisalOfAdjustments.308176" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueAppraisalOfAdjustments.308176" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FairValueAppraisalOfAdjustments.308176">Fair Value Appraisal Of Adjustments</link:label>
    <link:loc xlink:label="loc_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain.2062.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain.2062.11.6" xlink:to="lab_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain.6687" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain.6687" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain.6687">Asset Class [Domain]</link:label>
    <link:loc xlink:label="loc_FairValueByAssetClassAxis.2030.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByAssetClassAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueByAssetClassAxis.2030.11.6" xlink:to="lab_FairValueByAssetClassAxis.6568" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueByAssetClassAxis.6568" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FairValueByAssetClassAxis.6568">Asset Class [Axis]</link:label>
    <link:loc xlink:label="loc_FairValueLiquidationExpenses.36799.11.6" xlink:href="asrv-20131231.xsd#asrv_FairValueLiquidationExpenses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueLiquidationExpenses.36799.11.6" xlink:to="lab_FairValueLiquidationExpenses.308179" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueLiquidationExpenses.308179" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FairValueLiquidationExpenses.308179">Fair Value Liquidation Expenses</link:label>
    <link:loc xlink:label="loc_ImpairedLoansMember.43662.11.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedLoansMember.43662.11.6" xlink:to="lab_ImpairedLoansMember.368852" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedLoansMember.368852" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedLoansMember.368852">Impaired Loans [Member]</link:label>
    <link:loc xlink:label="loc_ImpairedLoansMember.43662.11.12" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedLoansMember.43662.11.12" xlink:to="lab_ImpairedLoansMember.368853" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ImpairedLoansMember.368853" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ImpairedLoansMember.368853">Impaired Loans [Member]</link:label>
    <link:loc xlink:label="loc_OtherRealEstateOwnedMember.43663.11.6" xlink:href="asrv-20131231.xsd#asrv_OtherRealEstateOwnedMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherRealEstateOwnedMember.43663.11.6" xlink:to="lab_OtherRealEstateOwnedMember.368854" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherRealEstateOwnedMember.368854" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherRealEstateOwnedMember.368854">Other Real Estate Owned [Member]</link:label>
    <link:loc xlink:label="loc_OtherRealEstateOwnedMember.43663.11.12" xlink:href="asrv-20131231.xsd#asrv_OtherRealEstateOwnedMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherRealEstateOwnedMember.43663.11.12" xlink:to="lab_OtherRealEstateOwnedMember.368855" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherRealEstateOwnedMember.368855" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_OtherRealEstateOwnedMember.368855">Other Real Estate Owned [Member]</link:label>
    <link:loc xlink:label="loc_FairValueMeasurementsNonrecurringMember.2056.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsNonrecurringMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueMeasurementsNonrecurringMember.2056.11.8" xlink:to="us-gaap_FairValueMeasurementsNonrecurringMember_lbl.458973.190473.308187" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueMeasurementsNonrecurringMember_lbl.458973.190473.308187" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueMeasurementsNonrecurringMember_lbl.458973.190473.308187">Fair Value Measurements, Nonrecurring Basis [Member]</link:label>
    <link:loc xlink:label="loc_FinancialInstrumentsOwnedOtherAtFairValue.10135.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsOwnedOtherAtFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancialInstrumentsOwnedOtherAtFairValue.10135.11.8" xlink:to="us-gaap_FinancialInstrumentsOwnedOtherAtFairValue_lbl.458980.190475.308189" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancialInstrumentsOwnedOtherAtFairValue_lbl.458980.190475.308189" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancialInstrumentsOwnedOtherAtFairValue_lbl.458980.190475.308189">Other real estate owned</link:label>
    <link:loc xlink:label="loc_FinancialInstrumentsOwnedOtherAtFairValue.10135.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsOwnedOtherAtFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancialInstrumentsOwnedOtherAtFairValue.10135.11.6" xlink:to="us-gaap_FinancialInstrumentsOwnedOtherAtFairValue_lbl.458981.190474.308190" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancialInstrumentsOwnedOtherAtFairValue_lbl.458981.190474.308190" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancialInstrumentsOwnedOtherAtFairValue_lbl.458981.190474.308190">Financial Instruments, Owned, Other, at Fair Value</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRecordedInvestment.10996.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableRecordedInvestment.10996.11.7" xlink:to="us-gaap_ImpairedFinancingReceivableRecordedInvestment_lbl.458683.190476.308191" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ImpairedFinancingReceivableRecordedInvestment_lbl.458683.190476.308191" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ImpairedFinancingReceivableRecordedInvestment_lbl.458683.190476.308191">Carrying value of impaired loans</link:label>
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.11.6" xlink:to="us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_lbl.458930.190479.308194" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_lbl.458930.190479.308194" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_lbl.458930.190479.308194">Schedule of Defined Benefit Plans Disclosures [Table]</link:label>
    <link:loc xlink:label="loc_DebtAndCapitalLeaseObligationsFairValueDisclosure.36788.11.6" xlink:href="asrv-20131231.xsd#asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtAndCapitalLeaseObligationsFairValueDisclosure.36788.11.6" xlink:to="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_lbl.459011.190416.308195" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_lbl.459011.190416.308195" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_lbl.459011.190416.308195">Debt and Capital Lease Obligations Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_DebtAndCapitalLeaseObligationsFairValueDisclosure.36788.11.8" xlink:href="asrv-20131231.xsd#asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtAndCapitalLeaseObligationsFairValueDisclosure.36788.11.8" xlink:to="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_lbl.459012.190417.308196" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_lbl.459012.190417.308196" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_lbl.459012.190417.308196">All other borrowings</link:label>
    <link:loc xlink:label="loc_DebtAndCapitalLeaseObligationsFairValueDisclosure.36788.11.12" xlink:href="asrv-20131231.xsd#asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtAndCapitalLeaseObligationsFairValueDisclosure.36788.11.12" xlink:to="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_lbl.459013.190418.308197" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_lbl.459013.190418.308197" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure_lbl.459013.190418.308197">Debt and capital lease obligations fair value disclosure.</link:label>
    <link:loc xlink:label="loc_DepositsWithNoStatedMaturitiesFairValueDisclosure.36791.11.6" xlink:href="asrv-20131231.xsd#asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsWithNoStatedMaturitiesFairValueDisclosure.36791.11.6" xlink:to="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_lbl.459003.190419.308198" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_lbl.459003.190419.308198" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_lbl.459003.190419.308198">Deposits with No Stated Maturities Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_DepositsWithNoStatedMaturitiesFairValueDisclosure.36791.11.8" xlink:href="asrv-20131231.xsd#asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsWithNoStatedMaturitiesFairValueDisclosure.36791.11.8" xlink:to="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_lbl.459004.190420.308199" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_lbl.459004.190420.308199" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_lbl.459004.190420.308199">Deposits with no stated maturities</link:label>
    <link:loc xlink:label="loc_DepositsWithNoStatedMaturitiesFairValueDisclosure.36791.11.12" xlink:href="asrv-20131231.xsd#asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsWithNoStatedMaturitiesFairValueDisclosure.36791.11.12" xlink:to="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_lbl.459005.190421.308200" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_lbl.459005.190421.308200" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure_lbl.459005.190421.308200">Deposits with no stated maturities fair value disclosure.</link:label>
    <link:loc xlink:label="loc_DepositsWithStatedMaturitiesFairValueDisclosure.36793.11.6" xlink:href="asrv-20131231.xsd#asrv_DepositsWithStatedMaturitiesFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsWithStatedMaturitiesFairValueDisclosure.36793.11.6" xlink:to="asrv_DepositsWithStatedMaturitiesFairValueDisclosure_lbl.459006.190422.308201" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_DepositsWithStatedMaturitiesFairValueDisclosure_lbl.459006.190422.308201" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_DepositsWithStatedMaturitiesFairValueDisclosure_lbl.459006.190422.308201">Deposits with Stated Maturities Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_DepositsWithStatedMaturitiesFairValueDisclosure.36793.11.8" xlink:href="asrv-20131231.xsd#asrv_DepositsWithStatedMaturitiesFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsWithStatedMaturitiesFairValueDisclosure.36793.11.8" xlink:to="asrv_DepositsWithStatedMaturitiesFairValueDisclosure_lbl.459007.190423.308202" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_DepositsWithStatedMaturitiesFairValueDisclosure_lbl.459007.190423.308202" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_DepositsWithStatedMaturitiesFairValueDisclosure_lbl.459007.190423.308202">Deposits with stated maturities</link:label>
    <link:loc xlink:label="loc_DepositsWithStatedMaturitiesFairValueDisclosure.36793.11.12" xlink:href="asrv-20131231.xsd#asrv_DepositsWithStatedMaturitiesFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsWithStatedMaturitiesFairValueDisclosure.36793.11.12" xlink:to="asrv_DepositsWithStatedMaturitiesFairValueDisclosure_lbl.459008.190424.308203" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_DepositsWithStatedMaturitiesFairValueDisclosure_lbl.459008.190424.308203" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_DepositsWithStatedMaturitiesFairValueDisclosure_lbl.459008.190424.308203">Deposits with stated maturities fair value disclosure.</link:label>
    <link:loc xlink:label="loc_RegulatoryAssetsFairValueDisclosure.36867.11.6" xlink:href="asrv-20131231.xsd#asrv_RegulatoryAssetsFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RegulatoryAssetsFairValueDisclosure.36867.11.6" xlink:to="asrv_RegulatoryAssetsFairValueDisclosure_lbl.458996.190425.308204" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_RegulatoryAssetsFairValueDisclosure_lbl.458996.190425.308204" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_RegulatoryAssetsFairValueDisclosure_lbl.458996.190425.308204">Regulatory Assets Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_RegulatoryAssetsFairValueDisclosure.36867.11.8" xlink:href="asrv-20131231.xsd#asrv_RegulatoryAssetsFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RegulatoryAssetsFairValueDisclosure.36867.11.8" xlink:to="asrv_RegulatoryAssetsFairValueDisclosure_lbl.458997.190426.308205" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_RegulatoryAssetsFairValueDisclosure_lbl.458997.190426.308205" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_RegulatoryAssetsFairValueDisclosure_lbl.458997.190426.308205">Regulatory stock</link:label>
    <link:loc xlink:label="loc_RegulatoryAssetsFairValueDisclosure.36867.11.12" xlink:href="asrv-20131231.xsd#asrv_RegulatoryAssetsFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RegulatoryAssetsFairValueDisclosure.36867.11.12" xlink:to="asrv_RegulatoryAssetsFairValueDisclosure_lbl.458998.190427.308206" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_RegulatoryAssetsFairValueDisclosure_lbl.458998.190427.308206" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_RegulatoryAssetsFairValueDisclosure_lbl.458998.190427.308206">Regulatory assets fair value disclosure.</link:label>
    <link:loc xlink:label="loc_AccruedInvestmentIncomeReceivable.5738.11.58" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccruedInvestmentIncomeReceivable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccruedInvestmentIncomeReceivable.5738.11.58" xlink:to="lab_AccruedInvestmentIncomeReceivable.278636.308207" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccruedInvestmentIncomeReceivable.278636.308207" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US" id="lab_AccruedInvestmentIncomeReceivable.278636.308207">Accrued income receivable</link:label>
    <link:loc xlink:label="loc_BankOwnedLifeInsurance.6282.11.58" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BankOwnedLifeInsurance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BankOwnedLifeInsurance.6282.11.58" xlink:to="lab_BankOwnedLifeInsurance.278637.308209" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BankOwnedLifeInsurance.278637.308209" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US" id="lab_BankOwnedLifeInsurance.278637.308209">Bank owned life insurance</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsAtCarryingValue.6843.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsAtCarryingValue.6843.11.7" xlink:to="lab_CashAndCashEquivalentsAtCarryingValue.134335.278629.308210" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndCashEquivalentsAtCarryingValue.134335.278629.308210" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsAtCarryingValue.134335.278629.308210">Cash and cash equivalents</link:label>
    <link:loc xlink:label="loc_CashSurrenderValueFairValueDisclosure.6876.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashSurrenderValueFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashSurrenderValueFairValueDisclosure.6876.11.6" xlink:to="lab_CashSurrenderValueFairValueDisclosure.459253.190430.308211" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashSurrenderValueFairValueDisclosure.459253.190430.308211" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CashSurrenderValueFairValueDisclosure.459253.190430.308211">Cash Surrender Value, Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_CashSurrenderValueFairValueDisclosure.6876.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashSurrenderValueFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashSurrenderValueFairValueDisclosure.6876.11.8" xlink:to="lab_CashSurrenderValueFairValueDisclosure.459254.190431.308212" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashSurrenderValueFairValueDisclosure.459254.190431.308212" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CashSurrenderValueFairValueDisclosure.459254.190431.308212">Bank owned life insurance</link:label>
    <link:loc xlink:label="loc_CreditRiskDerivativeAssetsAtFairValue.7490.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CreditRiskDerivativeAssetsAtFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CreditRiskDerivativeAssetsAtFairValue.7490.11.8" xlink:to="lab_CreditRiskDerivativeAssetsAtFairValue.278651.308214" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CreditRiskDerivativeAssetsAtFairValue.278651.308214" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CreditRiskDerivativeAssetsAtFairValue.278651.308214">Fair value of swap asset</link:label>
    <link:loc xlink:label="loc_CreditRiskDerivativeAssetsAtFairValue.7490.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CreditRiskDerivativeAssetsAtFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CreditRiskDerivativeAssetsAtFairValue.7490.11.6" xlink:to="lab_CreditRiskDerivativeAssetsAtFairValue.3433.308213" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CreditRiskDerivativeAssetsAtFairValue.3433.308213" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CreditRiskDerivativeAssetsAtFairValue.3433.308213">Credit Risk Derivative Assets, at Fair Value</link:label>
    <link:loc xlink:label="loc_CreditRiskDerivativeLiabilitiesAtFairValue.7488.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CreditRiskDerivativeLiabilitiesAtFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CreditRiskDerivativeLiabilitiesAtFairValue.7488.11.8" xlink:to="lab_CreditRiskDerivativeLiabilitiesAtFairValue.278649.308216" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CreditRiskDerivativeLiabilitiesAtFairValue.278649.308216" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CreditRiskDerivativeLiabilitiesAtFairValue.278649.308216">Fair value of swap liability</link:label>
    <link:loc xlink:label="loc_CreditRiskDerivativeLiabilitiesAtFairValue.7488.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CreditRiskDerivativeLiabilitiesAtFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CreditRiskDerivativeLiabilitiesAtFairValue.7488.11.6" xlink:to="lab_CreditRiskDerivativeLiabilitiesAtFairValue.3431.308215" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CreditRiskDerivativeLiabilitiesAtFairValue.3431.308215" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CreditRiskDerivativeLiabilitiesAtFairValue.3431.308215">Credit Risk Derivative Liabilities, at Fair Value</link:label>
    <link:loc xlink:label="loc_DepositsWithNoStatedMaturities.36790.11.6" xlink:href="asrv-20131231.xsd#asrv_DepositsWithNoStatedMaturities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsWithNoStatedMaturities.36790.11.6" xlink:to="lab_DepositsWithNoStatedMaturities.278638.308217" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsWithNoStatedMaturities.278638.308217" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DepositsWithNoStatedMaturities.278638.308217">Deposits With No Stated Maturities</link:label>
    <link:loc xlink:label="loc_DepositsWithNoStatedMaturities.36790.11.7" xlink:href="asrv-20131231.xsd#asrv_DepositsWithNoStatedMaturities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsWithNoStatedMaturities.36790.11.7" xlink:to="lab_DepositsWithNoStatedMaturities.278639.308218" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsWithNoStatedMaturities.278639.308218" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DepositsWithNoStatedMaturities.278639.308218">Deposits with no stated maturities</link:label>
    <link:loc xlink:label="loc_DepositsWithNoStatedMaturities.36790.11.12" xlink:href="asrv-20131231.xsd#asrv_DepositsWithNoStatedMaturities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsWithNoStatedMaturities.36790.11.12" xlink:to="lab_DepositsWithNoStatedMaturities.278640.308219" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsWithNoStatedMaturities.278640.308219" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_DepositsWithNoStatedMaturities.278640.308219">The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others that do not have stated maturities.</link:label>
    <link:loc xlink:label="loc_DepositsWithStatedMaturities.36792.11.6" xlink:href="asrv-20131231.xsd#asrv_DepositsWithStatedMaturities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsWithStatedMaturities.36792.11.6" xlink:to="lab_DepositsWithStatedMaturities.278641.308220" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsWithStatedMaturities.278641.308220" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DepositsWithStatedMaturities.278641.308220">Deposits With Stated Maturities</link:label>
    <link:loc xlink:label="loc_DepositsWithStatedMaturities.36792.11.7" xlink:href="asrv-20131231.xsd#asrv_DepositsWithStatedMaturities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsWithStatedMaturities.36792.11.7" xlink:to="lab_DepositsWithStatedMaturities.278642.308221" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsWithStatedMaturities.278642.308221" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DepositsWithStatedMaturities.278642.308221">Deposits with stated maturities</link:label>
    <link:loc xlink:label="loc_DepositsWithStatedMaturities.36792.11.12" xlink:href="asrv-20131231.xsd#asrv_DepositsWithStatedMaturities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsWithStatedMaturities.36792.11.12" xlink:to="lab_DepositsWithStatedMaturities.278643.308222" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsWithStatedMaturities.278643.308222" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_DepositsWithStatedMaturities.278643.308222">The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others having stated maturities.</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesShortTerm.10073.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesShortTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesShortTerm.10073.11.7" xlink:to="lab_FederalHomeLoanBankAdvancesShortTerm.278644.308223" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesShortTerm.278644.308223" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesShortTerm.278644.308223">Short-term borrowings</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankStockAndFederalReserveBankStock.10008.11.58" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankStockAndFederalReserveBankStock.10008.11.58" xlink:to="lab_FederalHomeLoanBankStockAndFederalReserveBankStock.278633.308225" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankStockAndFederalReserveBankStock.278633.308225" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankStockAndFederalReserveBankStock.278633.308225">Regulatory stock</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankStockAndFederalReserveBankStock.10008.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankStockAndFederalReserveBankStock.10008.11.6" xlink:to="lab_FederalHomeLoanBankStockAndFederalReserveBankStock.7164.308224" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankStockAndFederalReserveBankStock.7164.308224" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankStockAndFederalReserveBankStock.7164.308224">Federal Home Loan Bank Stock and Federal Reserve Bank Stock</link:label>
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.11.6" xlink:href="asrv-20131231.xsd#asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.11.6" xlink:to="lab_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.278623.308226" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.278623.308226" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.278623.308226">Financial Instruments Financial Assets Carrying Value Abstract</link:label>
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.11.7" xlink:href="asrv-20131231.xsd#asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.11.7" xlink:to="lab_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.278624.308227" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.278624.308227" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.278624.308227">FINANCIAL ASSETS: Carrying Value</link:label>
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.11.12" xlink:href="asrv-20131231.xsd#asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.11.12" xlink:to="lab_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.278625.308228" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.278625.308228" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.278625.308228">Financial Instruments, Financial Assets, CarryingValue [Abstract]</link:label>
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.11.6" xlink:to="lab_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.459227.190432.308229" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.459227.190432.308229" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.459227.190432.308229">Financial Instruments, Financial Liabilities, Balance Sheet Groupings [Abstract]</link:label>
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.11.8" xlink:to="lab_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.459228.190433.308230" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.459228.190433.308230" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.459228.190433.308230">FINANCIAL LIABILITIES:</link:label>
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.11.6" xlink:href="asrv-20131231.xsd#asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.11.6" xlink:to="lab_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.278626.308231" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.278626.308231" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.278626.308231">Financial Instruments, Financial Liabilities, Carrying Value [Abstract]</link:label>
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.11.7" xlink:href="asrv-20131231.xsd#asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.11.7" xlink:to="lab_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.278627.308232" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.278627.308232" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.278627.308232">FINANCIAL LIABILITIES: Carrying Value</link:label>
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.11.12" xlink:href="asrv-20131231.xsd#asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.11.12" xlink:to="lab_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.278628.308233" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.278628.308233" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.278628.308233">Financial Instruments, Financial Liabilities, Carrying Value [Abstract]</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecurities.10889.11.58" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecurities.10889.11.58" xlink:to="lab_HeldToMaturitySecurities.278632.308234" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecurities.278632.308234" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecurities.278632.308234">Investment securities - HTM</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesFairValue.10919.11.58" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesFairValue.10919.11.58" xlink:to="lab_HeldToMaturitySecuritiesFairValue.278650.308235" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesFairValue.278650.308235" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesFairValue.278650.308235">Investment securities - HTM</link:label>
    <link:loc xlink:label="loc_InterestPayableCurrentAndNoncurrent.11632.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestPayableCurrentAndNoncurrent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestPayableCurrentAndNoncurrent.11632.11.7" xlink:to="lab_InterestPayableCurrentAndNoncurrent.441416.518437.278648.308237" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestPayableCurrentAndNoncurrent.441416.518437.278648.308237" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestPayableCurrentAndNoncurrent.441416.518437.278648.308237">Accrued interest payable</link:label>
    <link:loc xlink:label="loc_InterestPayableCurrentAndNoncurrent.11632.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestPayableCurrentAndNoncurrent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestPayableCurrentAndNoncurrent.11632.11.6" xlink:to="lab_InterestPayableCurrentAndNoncurrent.9678.308236" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestPayableCurrentAndNoncurrent.9678.308236" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestPayableCurrentAndNoncurrent.9678.308236">Interest Payable</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetReportedAmount.12598.11.58" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableNetReportedAmount.12598.11.58" xlink:to="lab_LoansAndLeasesReceivableNetReportedAmount.278635.308238" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableNetReportedAmount.278635.308238" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableNetReportedAmount.278635.308238">Loans, net of allowance for loan loss and unearned income</link:label>
    <link:loc xlink:label="loc_LoansHeldForSaleMortgages.12627.11.58" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansHeldForSaleMortgages" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansHeldForSaleMortgages.12627.11.58" xlink:to="lab_LoansHeldForSaleMortgages.278634.308239" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansHeldForSaleMortgages.278634.308239" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansHeldForSaleMortgages.278634.308239">Loans held for sale</link:label>
    <link:loc xlink:label="loc_LoansReceivableFairValueDisclosure.12664.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansReceivableFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansReceivableFairValueDisclosure.12664.11.6" xlink:to="lab_LoansReceivableFairValueDisclosure.459251.190436.308240" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansReceivableFairValueDisclosure.459251.190436.308240" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LoansReceivableFairValueDisclosure.459251.190436.308240">Loans Receivable, Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_LoansReceivableFairValueDisclosure.12664.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansReceivableFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansReceivableFairValueDisclosure.12664.11.8" xlink:to="lab_LoansReceivableFairValueDisclosure.459252.190437.308241" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansReceivableFairValueDisclosure.459252.190437.308241" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansReceivableFairValueDisclosure.459252.190437.308241">Loans, net of allowance for loan loss and unearned income</link:label>
    <link:loc xlink:label="loc_OtherBorrowings.13823.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherBorrowings.13823.11.6" xlink:to="lab_OtherBorrowings.13251.308242" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherBorrowings.13251.308242" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherBorrowings.13251.308242">Other Borrowings</link:label>
    <link:loc xlink:label="loc_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure.5670.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure.5670.11.6" xlink:to="us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure_lbl.459014.190438.308243" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure_lbl.459014.190438.308243" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure_lbl.459014.190438.308243">Accounts Payable and Accrued Liabilities, Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure.5670.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure.5670.11.8" xlink:to="us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure_lbl.459015.190439.308244" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure_lbl.459015.190439.308244" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure_lbl.459015.190439.308244">Accrued interest payable</link:label>
    <link:loc xlink:label="loc_AccountsReceivableFairValueDisclosure.5649.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccountsReceivableFairValueDisclosure.5649.11.8" xlink:to="us-gaap_AccountsReceivableFairValueDisclosure_lbl.459001.190441.308245" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AccountsReceivableFairValueDisclosure_lbl.459001.190441.308245" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AccountsReceivableFairValueDisclosure_lbl.459001.190441.308245">Accrued income receivable</link:label>
    <link:loc xlink:label="loc_AccountsReceivableFairValueDisclosure.5649.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccountsReceivableFairValueDisclosure.5649.11.6" xlink:to="us-gaap_AccountsReceivableFairValueDisclosure_lbl.459002.190440.308246" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AccountsReceivableFairValueDisclosure_lbl.459002.190440.308246" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AccountsReceivableFairValueDisclosure_lbl.459002.190440.308246">Accounts Receivable, Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsFairValueDisclosure.6850.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsFairValueDisclosure.6850.11.8" xlink:to="us-gaap_CashAndCashEquivalentsFairValueDisclosure_lbl.458992.190445.308247" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CashAndCashEquivalentsFairValueDisclosure_lbl.458992.190445.308247" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CashAndCashEquivalentsFairValueDisclosure_lbl.458992.190445.308247">Cash and cash equivalents</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsFairValueDisclosure.6850.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsFairValueDisclosure.6850.11.6" xlink:to="us-gaap_CashAndCashEquivalentsFairValueDisclosure_lbl.458993.190444.308248" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CashAndCashEquivalentsFairValueDisclosure_lbl.458993.190444.308248" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CashAndCashEquivalentsFairValueDisclosure_lbl.458993.190444.308248">Cash and Cash Equivalents, Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract.2048.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract.2048.11.6" xlink:to="us-gaap_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract_lbl.458990.190449.308249" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract_lbl.458990.190449.308249" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract_lbl.458990.190449.308249">Fair Value Assumptions and Methodology for Assets and Liabilities [Abstract]</link:label>
    <link:loc xlink:label="loc_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract.2048.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract.2048.11.8" xlink:to="us-gaap_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract_lbl.458991.190450.308250" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract_lbl.458991.190450.308250" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract_lbl.458991.190450.308250">Fair values based on US GAAP measurements, and recorded book balances</link:label>
    <link:loc xlink:label="loc_FairValueByBalanceSheetGroupingTable.2101.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueByBalanceSheetGroupingTable.2101.11.6" xlink:to="us-gaap_FairValueByBalanceSheetGroupingTable_lbl.458982.190452.308251" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueByBalanceSheetGroupingTable_lbl.458982.190452.308251" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueByBalanceSheetGroupingTable_lbl.458982.190452.308251">Fair Value, by Balance Sheet Grouping [Table]</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankBorrowingsFairValueDisclosure.9983.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankBorrowingsFairValueDisclosure.9983.11.8" xlink:to="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_lbl.459009.190456.308252" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_lbl.459009.190456.308252" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_lbl.459009.190456.308252">Short-term borrowings</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankBorrowingsFairValueDisclosure.9983.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankBorrowingsFairValueDisclosure.9983.11.6" xlink:to="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_lbl.459010.190455.308253" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_lbl.459010.190455.308253" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_lbl.459010.190455.308253">Federal Home Loan Bank Borrowings, Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.11.6" xlink:to="us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_lbl.458977.190457.308254" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_lbl.458977.190457.308254" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_lbl.458977.190457.308254">Financial Instruments, Financial Assets, Balance Sheet Groupings [Abstract]</link:label>
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.11.7" xlink:to="us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_lbl.458978.190458.308255" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_lbl.458978.190458.308255" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_lbl.458978.190458.308255">FINANCIAL ASSETS:</link:label>
    <link:loc xlink:label="loc_LoansHeldForSaleFairValueDisclosure.12613.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansHeldForSaleFairValueDisclosure.12613.11.8" xlink:to="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl.458999.190460.308256" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl.458999.190460.308256" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl.458999.190460.308256">Loans held for sale</link:label>
    <link:loc xlink:label="loc_LoansHeldForSaleFairValueDisclosure.12613.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansHeldForSaleFairValueDisclosure.12613.11.6" xlink:to="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl.459000.190459.308257" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl.459000.190459.308257" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl.459000.190459.308257">Loans Held-for-sale, Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_OtherBorrowings.13823.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherBorrowings.13823.11.7" xlink:to="us-gaap_OtherBorrowings_lbl.484855.278646.308258" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherBorrowings_lbl.484855.278646.308258" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherBorrowings_lbl.484855.278646.308258">All other borrowings</link:label>
    <link:loc xlink:label="loc_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock.9713.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock.9713.11.6" xlink:to="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_lbl.458477.191276.308269" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_lbl.458477.191276.308269" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_lbl.458477.191276.308269">Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Table Text Block]</link:label>
    <link:loc xlink:label="loc_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock.9713.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock.9713.11.8" xlink:to="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_lbl.458478.191277.308270" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_lbl.458478.191277.308270" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_lbl.458478.191277.308270">Schedule of Assets Measured at Fair Value on Non-Recurring Basis</link:label>
    <link:loc xlink:label="loc_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock.16321.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock.16321.11.6" xlink:to="us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_lbl.458475.191280.308273" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_lbl.458475.191280.308273" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_lbl.458475.191280.308273">Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock.16321.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock.16321.11.8" xlink:to="us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_lbl.458476.191281.308274" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_lbl.458476.191281.308274" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_lbl.458476.191281.308274">Schedule of Assets and Liabilities Measured on Recurring Basis</link:label>
    <link:loc xlink:label="loc_InvestmentsAbstract.2967.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentsAbstract.2967.11.6" xlink:to="us-gaap_InvestmentsAbstract_lbl.458406.191202.308346" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InvestmentsAbstract_lbl.458406.191202.308346" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InvestmentsAbstract_lbl.458406.191202.308346">INVESTMENT SECURITIES [Abstract]</link:label>
    <link:loc xlink:label="loc_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock.12012.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock.12012.11.6" xlink:to="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_lbl.458407.191203.308347" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_lbl.458407.191203.308347" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_lbl.458407.191203.308347">Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]</link:label>
    <link:loc xlink:label="loc_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock.12012.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock.12012.11.8" xlink:to="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_lbl.458408.191204.308348" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_lbl.458408.191204.308348" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_lbl.458408.191204.308348">INVESTMENT SECURITIES</link:label>
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.36773.11.8" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.36773.11.8" xlink:to="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost_lbl.458589.191099.308365" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost_lbl.458589.191099.308365" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost_lbl.458589.191099.308365">Available for Sale, Cost Basis, Over 15 years</link:label>
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.36773.11.12" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.36773.11.12" xlink:to="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost_lbl.458590.191100.308366" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost_lbl.458590.191100.308366" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost_lbl.458590.191100.308366">Available-for-sale securities debt maturities after fifteen years amortized cost.</link:label>
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36774.11.8" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36774.11.8" xlink:to="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue_lbl.458592.191101.308367" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue_lbl.458592.191101.308367" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue_lbl.458592.191101.308367">Available for Sale, Fair Value, Over 15 years</link:label>
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36774.11.12" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36774.11.12" xlink:to="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue_lbl.458593.191102.308368" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue_lbl.458593.191102.308368" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue_lbl.458593.191102.308368">Available-for-sale securities debt maturities after fifteen years fair value.</link:label>
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.36775.11.8" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.36775.11.8" xlink:to="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis_lbl.458583.191103.308369" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis_lbl.458583.191103.308369" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis_lbl.458583.191103.308369">Available for Sale, Cost Basis, After 10 years but within15 years</link:label>
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.36775.11.12" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.36775.11.12" xlink:to="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis_lbl.458584.191104.308370" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis_lbl.458584.191104.308370" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis_lbl.458584.191104.308370">Available-for-sale securities debt maturities after ten through fifteen years amortized cost basis.</link:label>
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36776.11.8" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36776.11.8" xlink:to="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue_lbl.458586.191105.308371" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue_lbl.458586.191105.308371" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue_lbl.458586.191105.308371">Available for Sale, Fair Value, After 10 years but within15 years</link:label>
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36776.11.12" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36776.11.12" xlink:to="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue_lbl.458587.191106.308372" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue_lbl.458587.191106.308372" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_AvailableForSaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue_lbl.458587.191106.308372">Available-for-sale securities debt maturities after ten through fifteen years fair value.</link:label>
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36817.11.8" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36817.11.8" xlink:to="asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue_lbl.458608.191107.308373" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue_lbl.458608.191107.308373" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue_lbl.458608.191107.308373">Held to Maturity, Fair Value, Over 15 years</link:label>
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36817.11.12" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36817.11.12" xlink:to="asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue_lbl.458609.191108.308374" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue_lbl.458609.191108.308374" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue_lbl.458609.191108.308374">Held-to-maturity securities debt maturities after fifteen years fair value.</link:label>
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.36818.11.8" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.36818.11.8" xlink:to="asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount_lbl.458605.191109.308375" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount_lbl.458605.191109.308375" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount_lbl.458605.191109.308375">Held to Maturity, Cost Basis, Over 15 years</link:label>
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.36818.11.12" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.36818.11.12" xlink:to="asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount_lbl.458606.191110.308376" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount_lbl.458606.191110.308376" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_HeldToMaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount_lbl.458606.191110.308376">Held-to-maturity securities debt maturities after fifteen years net carrying amount.</link:label>
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.36773.11.6" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.36773.11.6" xlink:to="lab_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.458588.191111.308379" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.458588.191111.308379" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.458588.191111.308379">Availableforsale Securities Debt Maturities After Fifteen Years Amortized Cost</link:label>
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36774.11.6" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36774.11.6" xlink:to="lab_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.458591.191112.308380" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.458591.191112.308380" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.458591.191112.308380">Availableforsale Securities Debt Maturities After Fifteen Years Fair Value</link:label>
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.36775.11.6" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.36775.11.6" xlink:to="lab_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.458582.191113.308381" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.458582.191113.308381" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.458582.191113.308381">Availableforsale Securities Debt Maturities After Ten Through Fifteen Years Amortized Cost Basis</link:label>
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36776.11.6" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36776.11.6" xlink:to="lab_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.458585.191114.308382" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.458585.191114.308382" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.458585.191114.308382">Availableforsale Securities Debt Maturities After Ten Through Fifteen Years Fair Value</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.459190.191115.308383" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.459190.191115.308383" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.459190.191115.308383">Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.11.8" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.459191.191116.308384" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.459191.191116.308384" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.459191.191116.308384">Contractual maturities of securities</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.6180.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.6180.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.1286" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.1286" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.1286">Available-for-sale Securities, Debt Maturities, Next Twelve Months, Amortized Cost Basis</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.6180.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.6180.11.8" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.309875" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.309875" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.309875">Available for Sale, Cost Basis, Within 1 year</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.6172.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.6172.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.1276" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.1276" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.1276">Available-for-sale Securities, Debt Maturities, Next Twelve Months, Fair Value</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.6172.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.6172.11.8" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.309877" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.309877" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.309877">Available for Sale, Fair Value, Within 1 year</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYield.36982.11.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYield" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYield.36982.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYield.309915" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYield.309915" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYield.309915">Available For Sale Securities Debt Maturities Yield</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYield.36982.11.9" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYield" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYield.36982.11.9" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYield.309917" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYield.309917" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYield.309917">Available for Sale, Yield, Total</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYield.36982.11.12" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYield" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYield.36982.11.12" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYield.309916" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYield.309916" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYield.309916">This item represents the yield percent of debt securities which are categorized neither as held-to-maturity nor trading securities.</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.36976.11.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.36976.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.309895" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.309895" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.309895">Available For Sale Securities Debt Maturities Yield After Fifteen Years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.36976.11.7" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.36976.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.309898" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.309898" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.309898">Available for Sale, Over 15 years, Yield</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.36976.11.12" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.36976.11.12" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.309897" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.309897" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.309897">This item represents the yield percent of debt securities which are expected to mature after fifteen years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36974.11.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36974.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.309889" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.309889" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.309889">Available For Sale Securities Debt Maturities Yield After Five Through Ten Years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36974.11.7" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36974.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.309891" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.309891" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.309891">Available for Sale, After 5 year but within 10 years, Yield</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36974.11.12" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36974.11.12" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.309890" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.309890" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.309890">This item represents the yield percent of debt securities which are expected to mature after five years through ten years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36972.11.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36972.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.309884" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.309884" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.309884">Available For Sale Securities Debt Maturities Yield After One Through Five Years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36972.11.7" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36972.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.309887" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.309887" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.309887">Available for Sale, After 1 year but within 5 years, Yield</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36972.11.12" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36972.11.12" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.309885" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.309885" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.309885">This item represents the yield percent of debt securities which are expected to mature after one year through five years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36975.11.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36975.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.309892" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.309892" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.309892">Available For Sale Securities Debt Maturities Yield After Ten Through Fifteen Years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36975.11.7" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36975.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.309894" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.309894" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.309894">Available for Sale, After 10 year but within 15 years, Yield</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36975.11.12" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36975.11.12" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.309893" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.309893" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.309893">This item represents the yield percent of debt securities which are expected to mature after ten years through fifteen years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.36970.11.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.36970.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.309878" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.309878" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.309878">Available For Sale Securities Debt Maturities Yield Within One Year</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.36970.11.7" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.36970.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.309881" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.309881" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.309881">Available for Sale, Within 1 year, Yield</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.36970.11.12" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.36970.11.12" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.309880" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.309880" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.309880">This item represents the yield percent of debt securities which are expected to mature within one year of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</link:label>
    <link:loc xlink:label="loc_CorporateBondsAndOtherSecuritiesMember.36786.11.6" xlink:href="asrv-20131231.xsd#asrv_CorporateBondsAndOtherSecuritiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CorporateBondsAndOtherSecuritiesMember.36786.11.6" xlink:to="lab_CorporateBondsAndOtherSecuritiesMember.280843.308385" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CorporateBondsAndOtherSecuritiesMember.280843.308385" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CorporateBondsAndOtherSecuritiesMember.280843.308385">Corporate Bonds And Other Securities [Member]</link:label>
    <link:loc xlink:label="loc_CorporateBondsAndOtherSecuritiesMember.36786.11.12" xlink:href="asrv-20131231.xsd#asrv_CorporateBondsAndOtherSecuritiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CorporateBondsAndOtherSecuritiesMember.36786.11.12" xlink:to="lab_CorporateBondsAndOtherSecuritiesMember.280844.308387" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CorporateBondsAndOtherSecuritiesMember.280844.308387" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_CorporateBondsAndOtherSecuritiesMember.280844.308387">Corporate Bonds And Other Securities [Member]</link:label>
    <link:loc xlink:label="loc_CorporateBondsAndOtherSecuritiesMember.36786.11.7" xlink:href="asrv-20131231.xsd#asrv_CorporateBondsAndOtherSecuritiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CorporateBondsAndOtherSecuritiesMember.36786.11.7" xlink:to="lab_CorporateBondsAndOtherSecuritiesMember.280845.308386" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CorporateBondsAndOtherSecuritiesMember.280845.308386" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CorporateBondsAndOtherSecuritiesMember.280845.308386">Corporate bonds and other securities [Member]</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecurities.10889.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecurities.10889.11.9" xlink:to="lab_HeldToMaturitySecurities.197986.308389" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecurities.197986.308389" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecurities.197986.308389">Held to Maturity, Cost Basis, Total</link:label>
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36817.11.6" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36817.11.6" xlink:to="lab_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.458607.191118.308390" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.458607.191118.308390" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.458607.191118.308390">Heldtomaturity Securities Debt Maturities After Fifteen Years Fair Value</link:label>
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.36818.11.6" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.36818.11.6" xlink:to="lab_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.458604.191119.308391" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.458604.191119.308391" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.458604.191119.308391">Heldtomaturity Securities Debt Maturities After Fifteen Years Net Carrying Amount</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.10869.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.10869.11.8" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.505099.191121.308392" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.505099.191121.308392" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.505099.191121.308392">Held to Maturity, Fair Value, After 5 years but within 10 years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.10869.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.10869.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.8153.191120.308393" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.8153.191120.308393" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.8153.191120.308393">Held-to-maturity Securities, Debt Maturities, Year Six Through Ten, Fair Value</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.10871.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.10871.11.8" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.505098.191123.308394" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.505098.191123.308394" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.505098.191123.308394">Held to Maturity, Cost Basis, After 5 years but within 10 years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.10871.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.10871.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.8149.191122.308395" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.8149.191122.308395" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.8149.191122.308395">Held-to-maturity Securities, Debt Maturities, after Five Through Ten Years, Net Carrying Amount</link:label>
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36819.11.6" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36819.11.6" xlink:to="lab_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.505103.191124.308396" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.505103.191124.308396" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.505103.191124.308396">Heldtomaturity Securities Debt Maturities After Ten Through Fifteen Years Fair Value</link:label>
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36819.11.12" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36819.11.12" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.505104.191126.308397" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.505104.191126.308397" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.505104.191126.308397">Amount of held-to-maturity debt securities at fair value maturing in the tenth fiscal year through the fifteenth fiscal year following the latest fiscal year.</link:label>
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36819.11.7" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36819.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.505105.191125.308398" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.505105.191125.308398" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.505105.191125.308398">Held to Maturity, Fair Value, After 10 years but within 15 years</link:label>
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.36820.11.6" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.36820.11.6" xlink:to="lab_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.505100.191127.308399" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.505100.191127.308399" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.505100.191127.308399">Heldtomaturity Securities Debt Maturities After Ten Through Fifteen Years Net Carrying Amount</link:label>
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.36820.11.12" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.36820.11.12" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.505101.191129.308400" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.505101.191129.308400" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.505101.191129.308400">Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing in the tenth through fifteenth fiscal year following the latest fiscal year.</link:label>
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.36820.11.7" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.36820.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.505102.191128.308401" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.505102.191128.308401" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.505102.191128.308401">Held to Maturity, Cost Basis, After 10 years but within 15 years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYield.36983.11.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYield" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYield.36983.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYield.309918" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYield.309918" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYield.309918">Held To Maturity Securities Debt Maturities Yield</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYield.36983.11.9" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYield" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYield.36983.11.9" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYield.309920" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYield.309920" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYield.309920">Held to Maturity, Yield, Total</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYield.36983.11.12" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYield" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYield.36983.11.12" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYield.309919" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYield.309919" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYield.309919">This item represents the yield percent of debt securities which are categorized as held-to-maturity.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.36981.11.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.36981.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.309912" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.309912" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.309912">Held To Maturity Securities Debt Maturities Yield After Fifteen Years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.36981.11.7" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.36981.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.309914" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.309914" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.309914">Held to Maturity, Over 15 years, Yield</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.36981.11.12" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.36981.11.12" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.309913" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.309913" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.309913">This item represents the yield percent of debt securities which are expected to mature after fifteen years from the balance sheet date which are categorized as held-to-maturity.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36979.11.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36979.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.309906" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.309906" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.309906">Held To Maturity Securities Debt Maturities Yield After Five Through Ten Years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36979.11.7" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36979.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.309908" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.309908" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.309908">Held to Maturity, After 5 years but within 10 years, Yield</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36979.11.12" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36979.11.12" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.309907" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.309907" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.309907">This item represents the yield percent of debt securities which are expected to mature after five years and through ten years from the balance sheet date and which are categorized as held-to-maturity.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36978.11.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36978.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.309903" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.309903" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.309903">Held To Maturity Securities Debt Maturities Yield After One Through Five Years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36978.11.7" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36978.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.309905" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.309905" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.309905">Held to Maturity, After 1 year but within 5 years, Yield</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36978.11.12" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36978.11.12" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.309904" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.309904" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.309904">This item represents the yield percent of debt securities which are expected to mature after one year and through five years from the balance sheet date and which are categorized as held-to-maturity.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36980.11.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36980.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.309909" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.309909" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.309909">Held To Maturity Securities Debt Maturities Yield After Ten Through Fifteen Years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36980.11.7" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36980.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.309911" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.309911" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.309911">Held to Maturity, After 10 years but within 15 years, Yield</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36980.11.12" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36980.11.12" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.309910" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.309910" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.309910">This item represents the yield percent of debt securities which are expected to mature after ten years and through fifteen years from the balance sheet date and which are categorized as held-to-maturity.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.36977.11.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.36977.11.6" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.309899" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.309899" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.309899">Held To Maturity Securities Debt Maturities Yield Within One Year</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.36977.11.7" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.36977.11.7" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.309902" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.309902" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.309902">Held to Maturity, Within 1 year, Yield</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.36977.11.12" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.36977.11.12" xlink:to="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.309901" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.309901" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.309901">This item represents the yield percent for debt securities which are expected to mature within one year of the balance sheet date and which are categorized as held-to-maturity.</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.6181.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.6181.11.6" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_lbl.458578.191130.308403" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_lbl.458578.191130.308403" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_lbl.458578.191130.308403">Available-for-sale Securities, Debt Maturities, after Five Through Ten Years, Amortized Cost Basis</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.6181.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.6181.11.8" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_lbl.458579.191131.308404" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_lbl.458579.191131.308404" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_lbl.458579.191131.308404">Available for Sale, Cost Basis, After 5 years but within 10 years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.6175.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.6175.11.6" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_lbl.458580.191132.308405" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_lbl.458580.191132.308405" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_lbl.458580.191132.308405">Available-for-sale Securities, Debt Maturities, after Five Through Ten Years, Fair Value</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.6175.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.6175.11.8" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_lbl.458581.191133.308406" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_lbl.458581.191133.308406" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_lbl.458581.191133.308406">Available for Sale, Fair Value, After 5 years but within 10 years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.6214.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.6214.11.6" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_lbl.458574.191134.308407" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_lbl.458574.191134.308407" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_lbl.458574.191134.308407">Available-for-sale Securities, Debt Maturities, after One Through Five Years, Amortized Cost Basis</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.6214.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.6214.11.8" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_lbl.458575.191135.308408" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_lbl.458575.191135.308408" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_lbl.458575.191135.308408">Available for Sale, Cost Basis, After 1 year but within 5 years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.6211.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.6211.11.6" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_lbl.458576.191136.308409" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_lbl.458576.191136.308409" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_lbl.458576.191136.308409">Available-for-sale Securities, Debt Maturities, after One Through Five Years, Fair Value</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.6211.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.6211.11.8" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_lbl.458577.191137.308410" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_lbl.458577.191137.308410" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_lbl.458577.191137.308410">Available for Sale, Fair Value, After 1 year but within 5 years</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.6187.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.6187.11.9" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_lbl.458594.191139.308411" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_lbl.458594.191139.308411" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_lbl.458594.191139.308411">Available for Sale, Cost Basis, Total</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.6187.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.6187.11.6" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_lbl.458595.191138.308412" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_lbl.458595.191138.308412" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost_lbl.458595.191138.308412">Available-for-sale Securities, Debt Maturities, Amortized Cost Basis</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.10870.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.10870.11.6" xlink:to="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_lbl.458602.191140.308413" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_lbl.458602.191140.308413" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_lbl.458602.191140.308413">Held-to-maturity Securities, Debt Maturities, after One Through Five Years, Fair Value</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.10870.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.10870.11.8" xlink:to="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_lbl.458603.191141.308414" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_lbl.458603.191141.308414" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_lbl.458603.191141.308414">Held to Maturity, Fair Value, After 1 year but within 5 years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.10891.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.10891.11.6" xlink:to="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount_lbl.458600.191142.308415" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount_lbl.458600.191142.308415" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount_lbl.458600.191142.308415">Held-to-maturity Securities, Debt Maturities, after One Through Five Years, Net Carrying Amount</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.10891.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.10891.11.8" xlink:to="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount_lbl.458601.191143.308416" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount_lbl.458601.191143.308416" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount_lbl.458601.191143.308416">Held to Maturity, Cost Basis, After 1 year but within 5 years</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.10867.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.10867.11.6" xlink:to="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_lbl.458598.191148.308417" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_lbl.458598.191148.308417" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_lbl.458598.191148.308417">Held-to-maturity Securities, Debt Maturities, within One Year, Fair Value</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.10867.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.10867.11.8" xlink:to="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_lbl.458599.191149.308418" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_lbl.458599.191149.308418" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_lbl.458599.191149.308418">Held to Maturity, Fair Value, Within 1 year</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.10905.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.10905.11.6" xlink:to="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount_lbl.458596.191150.308419" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount_lbl.458596.191150.308419" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount_lbl.458596.191150.308419">Held-to-maturity Securities, Debt Maturities, within One Year, Net Carrying Amount</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.10905.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.10905.11.8" xlink:to="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount_lbl.458597.191151.308420" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount_lbl.458597.191151.308420" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount_lbl.458597.191151.308420">Held to Maturity, Cost Basis, Within 1 year</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.36770.11.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.36770.11.6" xlink:to="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.278538.308423" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.278538.308423" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.278538.308423">Available For Sale Securities Continuous Unrealized Loss Position 12Months Or Longer Aggregate Losses Accumulated In AOCI</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.36770.11.12" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.36770.11.12" xlink:to="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.278540.308425" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.278540.308425" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.278540.308425">Amount of accumulated pre-tax unrealized loss on securities classified as available-for-sale that have been in a loss position for twelve months or longer recognized in Accumulated Other Comprehensive Income (AOCI).</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.36770.11.52" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.36770.11.52" xlink:to="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.278544.308424" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.278544.308424" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.278544.308424">Investment securities available for sale, 12 months or longer, Unrealized Losses</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.36771.11.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.36771.11.6" xlink:to="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.278549.308426" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.278549.308426" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.278549.308426">Available For Sale Securities Continuous Unrealized Loss Position Aggregate Losses Accumulated In AOCI</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.36771.11.55" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.36771.11.55" xlink:to="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.278550.308427" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.278550.308427" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.278550.308427">Investment securities available for sale, Gross Unrealized Losses</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.36771.11.12" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.36771.11.12" xlink:to="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.278551.308428" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.278551.308428" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.278551.308428">Amount of accumulated pre-tax unrealized loss on securities classified as available-for-sale recognized in Accumulated Other Comprehensive Income (AOCI).</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.36772.11.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.36772.11.6" xlink:to="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.278503.308429" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.278503.308429" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.278503.308429">Available For Sale Securities Continuous Unrealized Loss Position Less Than 12Months Aggregate Losses Accumulated In AOCI</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.36772.11.52" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.36772.11.52" xlink:to="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.278504.308430" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.278504.308430" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.278504.308430">Investment securities available for sale, Less than 12 months, Unrealized Losses</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.36772.11.12" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.36772.11.12" xlink:to="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.278505.308431" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.278505.308431" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.278505.308431">Amount of accumulated pre-tax unrealized loss on investments in available-for-sale securities that have been in a loss position for less than twelve months recognized in Accumulated Other COmprehensive Income (AOCI).</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.36814.11.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.36814.11.6" xlink:to="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.278546.308432" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.278546.308432" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.278546.308432">Held-to-maturity Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.36814.11.52" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.36814.11.52" xlink:to="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.278547.308433" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.278547.308433" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.278547.308433">Investment securities held to maturity, 12 months or longer, Unrealized Losses</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.36814.11.12" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.36814.11.12" xlink:to="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.278548.308434" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.278548.308434" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.278548.308434">Amount of accumulated pre-tax unrealized loss on investments in held-to-maturity securities that have been in a loss position for twelve months or longer.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.36815.11.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.36815.11.6" xlink:to="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.278553.308435" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.278553.308435" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.278553.308435">Held-to-maturity Securities, Continuous Unrealized Loss Position, Accumulated Loss</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.36815.11.12" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.36815.11.12" xlink:to="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.278555.308437" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.278555.308437" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.278555.308437">Amount of accumulated unrealized loss on investments in debt securities classified as held-to-maturity in a continuous loss position.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.36815.11.52" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.36815.11.52" xlink:to="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.278556.308436" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.278556.308436" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.278556.308436">Investment securities held to maturity, Total Unrealized Losses</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.36816.11.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.36816.11.6" xlink:to="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.278541.308438" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.278541.308438" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.278541.308438">Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.36816.11.12" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.36816.11.12" xlink:to="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.278543.308440" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.278543.308440" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.278543.308440">This item represents the excess of amortized cost basis over fair value of securities that have been in a loss position for less than twelve months for those securities which are categorized as held-to-maturity.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.36816.11.52" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.36816.11.52" xlink:to="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.278545.308439" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.278545.308439" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.278545.308439">Investment securities held to maturity, Less than 12 months, Unrealized Losses</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.11.8" xlink:to="us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract_lbl.459035.191324.308444" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract_lbl.459035.191324.308444" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract_lbl.459035.191324.308444">Information concerning investments with unrealized losses</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.6188.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.6188.11.6" xlink:to="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_lbl.458564.191327.308445" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_lbl.458564.191327.308445" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_lbl.458564.191327.308445">Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.6188.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.6188.11.9" xlink:to="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_lbl.458565.191328.308446" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_lbl.458565.191328.308446" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_lbl.458565.191328.308446">Investment securities available for sale, Total, Fair Value</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.6159.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.6159.11.8" xlink:to="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_lbl.458558.191332.308447" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_lbl.458558.191332.308447" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_lbl.458558.191332.308447">Investment securities available for sale, Less than 12 months, Fair Value</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.6159.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.6159.11.6" xlink:to="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_lbl.458559.191331.308448" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_lbl.458559.191331.308448" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_lbl.458559.191331.308448">Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.6179.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.6179.11.8" xlink:to="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_lbl.458562.191334.308449" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_lbl.458562.191334.308449" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_lbl.458562.191334.308449">Investment securities available for sale, 12 months or longer, Fair Value</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.6179.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.6179.11.6" xlink:to="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_lbl.458563.191333.308450" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_lbl.458563.191333.308450" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_lbl.458563.191333.308450">Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue.10882.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue.10882.11.6" xlink:to="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_lbl.458572.191339.308451" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_lbl.458572.191339.308451" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_lbl.458572.191339.308451">Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue.10882.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue.10882.11.9" xlink:to="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_lbl.458573.191340.308452" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_lbl.458573.191340.308452" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_lbl.458573.191340.308452">Investment securities held to maturity, Total Fair Value</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.10878.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.10878.11.8" xlink:to="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_lbl.458568.191344.308453" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_lbl.458568.191344.308453" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_lbl.458568.191344.308453">Investment securities held to maturity, Less than 12 months, Fair Value</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.10878.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.10878.11.6" xlink:to="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_lbl.458569.191343.308454" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_lbl.458569.191343.308454" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_lbl.458569.191343.308454">Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.10881.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.10881.11.8" xlink:to="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_lbl.458570.191346.308455" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_lbl.458570.191346.308455" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_lbl.458570.191346.308455">Investment securities held to maturity, 12 months or longer, Fair Value</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.10881.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.10881.11.6" xlink:to="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_lbl.458571.191345.308456" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_lbl.458571.191345.308456" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_lbl.458571.191345.308456">Held-to-maturity Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value</link:label>
    <link:loc xlink:label="loc_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings.36782.11.6" xlink:href="asrv-20131231.xsd#asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings.36782.11.6" xlink:to="asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings_lbl.459124.191293.308459" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings_lbl.459124.191293.308459" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings_lbl.459124.191293.308459">Carrying Value of Available for Sale Held to Maturity and Federal Home Loan Bank Borrowings</link:label>
    <link:loc xlink:label="loc_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings.36782.11.8" xlink:href="asrv-20131231.xsd#asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings.36782.11.8" xlink:to="asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings_lbl.459125.191294.308460" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings_lbl.459125.191294.308460" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings_lbl.459125.191294.308460">Book value of securities available for sale and held to maturity</link:label>
    <link:loc xlink:label="loc_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings.36782.11.12" xlink:href="asrv-20131231.xsd#asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings.36782.11.12" xlink:to="asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings_lbl.459126.191295.308461" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings_lbl.459126.191295.308461" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings_lbl.459126.191295.308461">Carrying value of available for sale held to maturity and federal home loan bank.</link:label>
    <link:loc xlink:label="loc_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears.36785.11.12" xlink:href="asrv-20131231.xsd#asrv_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears.36785.11.12" xlink:to="asrv_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears_lbl.458624.191297.308462" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears_lbl.458624.191297.308462" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears_lbl.458624.191297.308462">Consolidated investment securities portfolio modified, years.</link:label>
    <link:loc xlink:label="loc_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears.36785.11.7" xlink:href="asrv-20131231.xsd#asrv_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears.36785.11.7" xlink:to="asrv_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears_lbl.458625.191296.308463" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears_lbl.458625.191296.308463" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears_lbl.458625.191296.308463">Consolidated investment securities portfolio modified, years</link:label>
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesGainMember.36808.11.8" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesGainMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GrossInvestmentSecuritiesGainMember.36808.11.8" xlink:to="asrv_GrossInvestmentSecuritiesGainMember_lbl.459170.191299.308465" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_GrossInvestmentSecuritiesGainMember_lbl.459170.191299.308465" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_GrossInvestmentSecuritiesGainMember_lbl.459170.191299.308465">Gross Investment Securities Gain [Member]</link:label>
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesGainMember.36808.11.12" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesGainMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GrossInvestmentSecuritiesGainMember.36808.11.12" xlink:to="asrv_GrossInvestmentSecuritiesGainMember_lbl.459171.191300.308466" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_GrossInvestmentSecuritiesGainMember_lbl.459171.191300.308466" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_GrossInvestmentSecuritiesGainMember_lbl.459171.191300.308466">Gross investment securities gain.</link:label>
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesGainOrLossAxis.36809.11.6" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesGainOrLossAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GrossInvestmentSecuritiesGainOrLossAxis.36809.11.6" xlink:to="asrv_GrossInvestmentSecuritiesGainOrLossAxis_lbl.459165.191301.308467" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_GrossInvestmentSecuritiesGainOrLossAxis_lbl.459165.191301.308467" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_GrossInvestmentSecuritiesGainOrLossAxis_lbl.459165.191301.308467">Gross Investment Securities Gain or Loss [Axis]</link:label>
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesGainOrLossAxis.36809.11.12" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesGainOrLossAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GrossInvestmentSecuritiesGainOrLossAxis.36809.11.12" xlink:to="asrv_GrossInvestmentSecuritiesGainOrLossAxis_lbl.459166.191302.308468" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_GrossInvestmentSecuritiesGainOrLossAxis_lbl.459166.191302.308468" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_GrossInvestmentSecuritiesGainOrLossAxis_lbl.459166.191302.308468">Gross investment securities gain or loss.</link:label>
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesGainOrLossDomain.36810.11.12" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesGainOrLossDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GrossInvestmentSecuritiesGainOrLossDomain.36810.11.12" xlink:to="asrv_GrossInvestmentSecuritiesGainOrLossDomain_lbl.459168.191304.308470" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_GrossInvestmentSecuritiesGainOrLossDomain_lbl.459168.191304.308470" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_GrossInvestmentSecuritiesGainOrLossDomain_lbl.459168.191304.308470">Gross investment securities gain or loss.</link:label>
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesLossMember.36811.11.8" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesLossMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GrossInvestmentSecuritiesLossMember.36811.11.8" xlink:to="asrv_GrossInvestmentSecuritiesLossMember_lbl.459173.191306.308472" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_GrossInvestmentSecuritiesLossMember_lbl.459173.191306.308472" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_GrossInvestmentSecuritiesLossMember_lbl.459173.191306.308472">Gross Investment Securities Loss [Member]</link:label>
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesLossMember.36811.11.12" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesLossMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GrossInvestmentSecuritiesLossMember.36811.11.12" xlink:to="asrv_GrossInvestmentSecuritiesLossMember_lbl.459174.191307.308473" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_GrossInvestmentSecuritiesLossMember_lbl.459174.191307.308473" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_GrossInvestmentSecuritiesLossMember_lbl.459174.191307.308473">Gross investment securities loss.</link:label>
    <link:loc xlink:label="loc_InvestmentSecuritiesAdditionalTextualAbstract.36829.11.6" xlink:href="asrv-20131231.xsd#asrv_InvestmentSecuritiesAdditionalTextualAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentSecuritiesAdditionalTextualAbstract.36829.11.6" xlink:to="asrv_InvestmentSecuritiesAdditionalTextualAbstract_lbl.459181.191308.308474" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_InvestmentSecuritiesAdditionalTextualAbstract_lbl.459181.191308.308474" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_InvestmentSecuritiesAdditionalTextualAbstract_lbl.459181.191308.308474">Investment Securities (Additional Textual) [Abstract]</link:label>
    <link:loc xlink:label="loc_InvestmentSecuritiesAdditionalTextualAbstract.36829.11.12" xlink:href="asrv-20131231.xsd#asrv_InvestmentSecuritiesAdditionalTextualAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentSecuritiesAdditionalTextualAbstract.36829.11.12" xlink:to="asrv_InvestmentSecuritiesAdditionalTextualAbstract_lbl.459182.191310.308475" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_InvestmentSecuritiesAdditionalTextualAbstract_lbl.459182.191310.308475" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_InvestmentSecuritiesAdditionalTextualAbstract_lbl.459182.191310.308475">Investment securities.</link:label>
    <link:loc xlink:label="loc_InvestmentSecuritiesAdditionalTextualAbstract.36829.11.8" xlink:href="asrv-20131231.xsd#asrv_InvestmentSecuritiesAdditionalTextualAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentSecuritiesAdditionalTextualAbstract.36829.11.8" xlink:to="asrv_InvestmentSecuritiesAdditionalTextualAbstract_lbl.459183.191309.308476" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_InvestmentSecuritiesAdditionalTextualAbstract_lbl.459183.191309.308476" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_InvestmentSecuritiesAdditionalTextualAbstract_lbl.459183.191309.308476">Investment Securities:</link:label>
    <link:loc xlink:label="loc_PercentageOfInvestmentSecuritiesPortfolioRated.36857.11.6" xlink:href="asrv-20131231.xsd#asrv_PercentageOfInvestmentSecuritiesPortfolioRated" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PercentageOfInvestmentSecuritiesPortfolioRated.36857.11.6" xlink:to="asrv_PercentageOfInvestmentSecuritiesPortfolioRated_lbl.458620.191311.308477" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_PercentageOfInvestmentSecuritiesPortfolioRated_lbl.458620.191311.308477" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_PercentageOfInvestmentSecuritiesPortfolioRated_lbl.458620.191311.308477">Percentage of Investment Securities Portfolio Rated</link:label>
    <link:loc xlink:label="loc_PercentageOfInvestmentSecuritiesPortfolioRated.36857.11.7" xlink:href="asrv-20131231.xsd#asrv_PercentageOfInvestmentSecuritiesPortfolioRated" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PercentageOfInvestmentSecuritiesPortfolioRated.36857.11.7" xlink:to="asrv_PercentageOfInvestmentSecuritiesPortfolioRated_lbl.458621.191312.308478" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_PercentageOfInvestmentSecuritiesPortfolioRated_lbl.458621.191312.308478" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_PercentageOfInvestmentSecuritiesPortfolioRated_lbl.458621.191312.308478">Portfolio rated</link:label>
    <link:loc xlink:label="loc_PercentageOfInvestmentSecuritiesPortfolioRated.36857.11.12" xlink:href="asrv-20131231.xsd#asrv_PercentageOfInvestmentSecuritiesPortfolioRated" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PercentageOfInvestmentSecuritiesPortfolioRated.36857.11.12" xlink:to="asrv_PercentageOfInvestmentSecuritiesPortfolioRated_lbl.458622.191313.308479" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_PercentageOfInvestmentSecuritiesPortfolioRated_lbl.458622.191313.308479" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_PercentageOfInvestmentSecuritiesPortfolioRated_lbl.458622.191313.308479">Percentage of investment securities portfolio rated.</link:label>
    <link:loc xlink:label="loc_InvestmentLineItems.236.11.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentLineItems.236.11.6" xlink:to="invest_InvestmentLineItems_lbl.458541.191076.308377" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="invest_InvestmentLineItems_lbl.458541.191076.308377" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="invest_InvestmentLineItems_lbl.458541.191076.308377">Investment [Line Items]</link:label>
    <link:loc xlink:label="loc_InvestmentTable.217.11.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentTable.217.11.6" xlink:to="invest_InvestmentTable_lbl.458531.191077.308378" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="invest_InvestmentTable_lbl.458531.191077.308378" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="invest_InvestmentTable_lbl.458531.191077.308378">Investment [Table]</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37113.11.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37113.11.6" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.311566" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.311566" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.311566">Available For Sale Securities Debt Maturities Weighted Average Maturity Term</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37113.11.7" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37113.11.7" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.311568" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.311568" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.311568">Weighted average expected maturity for available for sale securities</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37113.11.12" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37113.11.12" xlink:to="lab_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.311567" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.311567" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.311567">Available For Sale Securities, Debt Maturities, Weighted Average Maturity Term</link:label>
    <link:loc xlink:label="loc_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears.36785.11.6" xlink:href="asrv-20131231.xsd#asrv_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears.36785.11.6" xlink:to="lab_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears.458623.191314.308480" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears.458623.191314.308480" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears.458623.191314.308480">Consolidated Investment Securities Portfolio Modified Years</link:label>
    <link:loc xlink:label="loc_CorporateBondSecuritiesMember.1228.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateBondSecuritiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CorporateBondSecuritiesMember.1228.11.7" xlink:to="lab_CorporateBondSecuritiesMember.459065.191079.308388" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CorporateBondSecuritiesMember.459065.191079.308388" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CorporateBondSecuritiesMember.459065.191079.308388">Corporate bonds [Member]</link:label>
    <link:loc xlink:label="loc_CreditRatingStandardPoorsAxis.1277.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CreditRatingStandardPoorsAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CreditRatingStandardPoorsAxis.1277.11.6" xlink:to="lab_CreditRatingStandardPoorsAxis.3427.308481" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CreditRatingStandardPoorsAxis.3427.308481" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CreditRatingStandardPoorsAxis.3427.308481">Credit Rating, Standard &amp; Poor's [Axis]</link:label>
    <link:loc xlink:label="loc_ExternalCreditRatingStandardPoorsMember.1737.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ExternalCreditRatingStandardPoorsMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ExternalCreditRatingStandardPoorsMember.1737.11.6" xlink:to="lab_ExternalCreditRatingStandardPoorsMember.5664.308482" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ExternalCreditRatingStandardPoorsMember.5664.308482" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ExternalCreditRatingStandardPoorsMember.5664.308482">External Credit Rating, Standard &amp; Poor's [Domain]</link:label>
    <link:loc xlink:label="loc_GainOnSaleOfSecurities.36807.11.6" xlink:href="asrv-20131231.xsd#asrv_GainOnSaleOfSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GainOnSaleOfSecurities.36807.11.6" xlink:to="lab_GainOnSaleOfSecurities.244013.308483" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GainOnSaleOfSecurities.244013.308483" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_GainOnSaleOfSecurities.244013.308483">Gain On Sale Of Securities</link:label>
    <link:loc xlink:label="loc_GainOnSaleOfSecurities.36807.11.12" xlink:href="asrv-20131231.xsd#asrv_GainOnSaleOfSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GainOnSaleOfSecurities.36807.11.12" xlink:to="lab_GainOnSaleOfSecurities.244014.308485" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GainOnSaleOfSecurities.244014.308485" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_GainOnSaleOfSecurities.244014.308485">The gain realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</link:label>
    <link:loc xlink:label="loc_GainOnSaleOfSecurities.36807.11.7" xlink:href="asrv-20131231.xsd#asrv_GainOnSaleOfSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GainOnSaleOfSecurities.36807.11.7" xlink:to="lab_GainOnSaleOfSecurities.244015.308484" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GainOnSaleOfSecurities.244015.308484" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_GainOnSaleOfSecurities.244015.308484">Gross investment gains</link:label>
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesGainMember.36808.11.6" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesGainMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GrossInvestmentSecuritiesGainMember.36808.11.6" xlink:to="lab_GrossInvestmentSecuritiesGainMember.308464" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GrossInvestmentSecuritiesGainMember.308464" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_GrossInvestmentSecuritiesGainMember.308464">Gross Investment Securities Gain [Member]</link:label>
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesGainOrLossDomain.36810.11.6" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesGainOrLossDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GrossInvestmentSecuritiesGainOrLossDomain.36810.11.6" xlink:to="lab_GrossInvestmentSecuritiesGainOrLossDomain.308469" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GrossInvestmentSecuritiesGainOrLossDomain.308469" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_GrossInvestmentSecuritiesGainOrLossDomain.308469">Gross Investment Securities Gain Or Loss [Domain]</link:label>
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesLossMember.36811.11.6" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesLossMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GrossInvestmentSecuritiesLossMember.36811.11.6" xlink:to="lab_GrossInvestmentSecuritiesLossMember.308471" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GrossInvestmentSecuritiesLossMember.308471" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_GrossInvestmentSecuritiesLossMember.308471">Gross Investment Securities Loss [Member]</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.37114.11.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.37114.11.6" xlink:to="lab_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.311569" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.311569" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.311569">Held To Maturity Securities Weighted Average Maturity Term</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.37114.11.7" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.37114.11.7" xlink:to="lab_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.311571" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.311571" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.311571">Weighted average expected maturity for held to maturity securities</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.37114.11.12" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.37114.11.12" xlink:to="lab_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.311570" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.311570" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.311570">Held To Maturity Securities, Weighted Average Maturity Term.</link:label>
    <link:loc xlink:label="loc_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37112.11.6" xlink:href="asrv-20131231.xsd#asrv_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37112.11.6" xlink:to="lab_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.311562" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.311562" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.311562">Investment Securities Debt Maturities Weighted Average Maturity Term</link:label>
    <link:loc xlink:label="loc_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37112.11.7" xlink:href="asrv-20131231.xsd#asrv_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37112.11.7" xlink:to="lab_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.311564" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.311564" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.311564">Weighted average expected maturity for investment securities</link:label>
    <link:loc xlink:label="loc_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37112.11.12" xlink:href="asrv-20131231.xsd#asrv_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37112.11.12" xlink:to="lab_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.311563" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.311563" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.311563">Investment Securities, Debt Maturities, Weighted Average Maturity Term.</link:label>
    <link:loc xlink:label="loc_LossOnSaleOfSecurities.36835.11.6" xlink:href="asrv-20131231.xsd#asrv_LossOnSaleOfSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossOnSaleOfSecurities.36835.11.6" xlink:to="lab_LossOnSaleOfSecurities.244016.308486" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LossOnSaleOfSecurities.244016.308486" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LossOnSaleOfSecurities.244016.308486">Loss On Sale Of Securities</link:label>
    <link:loc xlink:label="loc_LossOnSaleOfSecurities.36835.11.12" xlink:href="asrv-20131231.xsd#asrv_LossOnSaleOfSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossOnSaleOfSecurities.36835.11.12" xlink:to="lab_LossOnSaleOfSecurities.244018.308488" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LossOnSaleOfSecurities.244018.308488" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_LossOnSaleOfSecurities.244018.308488">The loss realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</link:label>
    <link:loc xlink:label="loc_LossOnSaleOfSecurities.36835.11.7" xlink:href="asrv-20131231.xsd#asrv_LossOnSaleOfSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossOnSaleOfSecurities.36835.11.7" xlink:to="lab_LossOnSaleOfSecurities.244019.308487" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LossOnSaleOfSecurities.244019.308487" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LossOnSaleOfSecurities.244019.308487">Gross investment losses</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax.13764.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax.13764.11.6" xlink:to="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax.13150" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax.13150" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax.13150">Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Net of Tax</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax.13764.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax.13764.11.7" xlink:to="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax.311561" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax.311561" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax.311561">Realized gain (loss), net of tax</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions.10925.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions.10925.11.8" xlink:to="us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions_lbl.458626.191317.308489" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions_lbl.458626.191317.308489" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions_lbl.458626.191317.308489">Positions considered temporarily impaired</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions.10925.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions.10925.11.6" xlink:to="us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions_lbl.458627.191316.308490" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions_lbl.458627.191316.308490" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions_lbl.458627.191316.308490">Held-to-maturity, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions</link:label>
    <link:loc xlink:label="loc_OtherDebtSecuritiesMember.3820.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherDebtSecuritiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherDebtSecuritiesMember.3820.11.6" xlink:to="us-gaap_OtherDebtSecuritiesMember_lbl.458539.191096.308457" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherDebtSecuritiesMember_lbl.458539.191096.308457" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherDebtSecuritiesMember_lbl.458539.191096.308457">Other Debt Securities [Member]</link:label>
    <link:loc xlink:label="loc_OtherDebtSecuritiesMember.3820.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherDebtSecuritiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherDebtSecuritiesMember.3820.11.7" xlink:to="us-gaap_OtherDebtSecuritiesMember_lbl.458540.191097.308458" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OtherDebtSecuritiesMember_lbl.458540.191097.308458" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_OtherDebtSecuritiesMember_lbl.458540.191097.308458">Corporate bonds and other securities [Member]</link:label>
    <link:loc xlink:label="loc_StandardPoorsAAARatingMember.5141.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StandardPoorsAAARatingMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StandardPoorsAAARatingMember.5141.11.6" xlink:to="us-gaap_StandardPoorsAAARatingMember_lbl.458616.191318.308491" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_StandardPoorsAAARatingMember_lbl.458616.191318.308491" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_StandardPoorsAAARatingMember_lbl.458616.191318.308491">Standard &amp; Poor's, AAA Rating [Member]</link:label>
    <link:loc xlink:label="loc_StandardPoorsAAARatingMember.5141.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StandardPoorsAAARatingMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StandardPoorsAAARatingMember.5141.11.7" xlink:to="us-gaap_StandardPoorsAAARatingMember_lbl.458617.191319.308492" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_StandardPoorsAAARatingMember_lbl.458617.191319.308492" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_StandardPoorsAAARatingMember_lbl.458617.191319.308492">Standard &amp; Poor's, AAA Rating [Member]</link:label>
    <link:loc xlink:label="loc_StandardPoorsARatingMember.5147.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StandardPoorsARatingMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StandardPoorsARatingMember.5147.11.6" xlink:to="us-gaap_StandardPoorsARatingMember_lbl.458618.191320.308493" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_StandardPoorsARatingMember_lbl.458618.191320.308493" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_StandardPoorsARatingMember_lbl.458618.191320.308493">Standard &amp; Poor's, A Rating [Member]</link:label>
    <link:loc xlink:label="loc_StandardPoorsARatingMember.5147.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StandardPoorsARatingMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StandardPoorsARatingMember.5147.11.7" xlink:to="us-gaap_StandardPoorsARatingMember_lbl.458619.191321.308494" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_StandardPoorsARatingMember_lbl.458619.191321.308494" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_StandardPoorsARatingMember_lbl.458619.191321.308494">Standard &amp; Poor's, A Rating [Member]</link:label>
    <link:loc xlink:label="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.11.7" xlink:to="us-gaap_USGovernmentAgenciesDebtSecuritiesMember_lbl.458535.191098.308422" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_USGovernmentAgenciesDebtSecuritiesMember_lbl.458535.191098.308422" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_USGovernmentAgenciesDebtSecuritiesMember_lbl.458535.191098.308422">U.S. Agency [Member]</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.11.7" xlink:to="lab_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.460455.191078.308349" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.460455.191078.308349" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.460455.191078.308349">Available-For-Sale-Securities-And-Held-To-Maturity-Securities</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.36777.11.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.36777.11.6" xlink:to="lab_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.278493.308350" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.278493.308350" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.278493.308350">Available For Sale Securities Gross Unrealized Gain Accumulated In AOCI</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.36777.11.7" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.36777.11.7" xlink:to="lab_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.278494.308351" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.278494.308351" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.278494.308351">Investment securities available for sale, Gross Unrealized Gains</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.36777.11.12" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.36777.11.12" xlink:to="lab_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.278495.308352" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.278495.308352" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.278495.308352">Amount of accumulated pre-tax unrealized gains on investments in available-for-sale securities that are recognized in Accumulated Other Comprehensive Income (AOCI).</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.36778.11.6" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.36778.11.6" xlink:to="lab_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.278488.308353" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.278488.308353" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.278488.308353">Available For Sale Securities Gross Unrealized Loss Accumulated In AOCI</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.36778.11.12" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.36778.11.12" xlink:to="lab_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.278491.308355" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.278491.308355" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.278491.308355">Amount of accumulated pre-tax unrealized loss before deducting unrealized gain on investments in available-for-sale securities recognized in Accumulated Other Comprehensive Income (AOCI).</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.36778.11.52" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.36778.11.52" xlink:to="lab_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.278492.308354" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.278492.308354" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.278492.308354">Investment securities available for sale, Gross Unrealized Losses</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.36812.11.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.36812.11.6" xlink:to="lab_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.278500.308356" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.278500.308356" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.278500.308356">Held To Maturity Securities Accumulated Unrecognized Holding Gain</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.36812.11.7" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.36812.11.7" xlink:to="lab_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.278501.308357" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.278501.308357" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.278501.308357">Investment securities held to maturity, Gross Unrealized Gains</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.36812.11.12" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.36812.11.12" xlink:to="lab_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.278502.308358" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.278502.308358" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.278502.308358">This item represents the excess of amortized cost basis over fair value of securities in a gain position and which are categorized as held-to-maturinty.</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.36813.11.6" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.36813.11.6" xlink:to="lab_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.278496.308359" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.278496.308359" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.278496.308359">Held To Maturity Securities Accumulated Unrecognized Holding Loss</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.36813.11.52" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.36813.11.52" xlink:to="lab_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.278498.308360" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.278498.308360" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.278498.308360">Investment securities held to maturity, Gross Unrealized Losses</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.36813.11.12" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.36813.11.12" xlink:to="lab_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.278499.308361" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.278499.308361" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.278499.308361">This item represents the excess of amortized cost basis over fair value of securities in a loss position and which are categorized as held-to-maturinty.</link:label>
    <link:loc xlink:label="loc_TaxableMunicipalBondsMember.5399.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TaxableMunicipalBondsMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TaxableMunicipalBondsMember.5399.11.6" xlink:to="lab_TaxableMunicipalBondsMember.18725.191080.308441" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TaxableMunicipalBondsMember.18725.191080.308441" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TaxableMunicipalBondsMember.18725.191080.308441">Taxable Municipal Bonds [Member]</link:label>
    <link:loc xlink:label="loc_TaxableMunicipalBondsMember.5399.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TaxableMunicipalBondsMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TaxableMunicipalBondsMember.5399.11.7" xlink:to="lab_TaxableMunicipalBondsMember.403655.191081.308442" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TaxableMunicipalBondsMember.403655.191081.308442" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TaxableMunicipalBondsMember.403655.191081.308442">Taxable Municipal [Member]</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecurities.6182.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecurities.6182.11.9" xlink:to="us-gaap_AvailableForSaleSecurities_lbl.458115.191082.308402" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecurities_lbl.458115.191082.308402" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecurities_lbl.458115.191082.308402">Available for Sale, Fair Value, Total</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAmortizedCost.6209.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesAmortizedCost.6209.11.6" xlink:to="us-gaap_AvailableForSaleSecuritiesAmortizedCost_lbl.458546.191083.308362" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesAmortizedCost_lbl.458546.191083.308362" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesAmortizedCost_lbl.458546.191083.308362">Available-for-sale Securities, Amortized Cost Basis</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAmortizedCost.6209.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesAmortizedCost.6209.11.8" xlink:to="us-gaap_AvailableForSaleSecuritiesAmortizedCost_lbl.458547.191084.308363" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesAmortizedCost_lbl.458547.191084.308363" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesAmortizedCost_lbl.458547.191084.308363">Investment securities available for sale, Cost Basis</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.11.6" xlink:to="us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract_lbl.459034.191085.308443" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract_lbl.459034.191085.308443" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract_lbl.459034.191085.308443">Available-for-sale Securities and Held-to-maturity Securities [Abstract]</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecurities.10889.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecurities.10889.11.8" xlink:to="us-gaap_HeldToMaturitySecurities_lbl.458119.191090.308364" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecurities_lbl.458119.191090.308364" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecurities_lbl.458119.191090.308364">Investment securities held to maturity, Cost Basis</link:label>
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesFairValue.10919.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_HeldToMaturitySecuritiesFairValue.10919.11.9" xlink:to="us-gaap_HeldToMaturitySecuritiesFairValue_lbl.458190.191091.308421" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_HeldToMaturitySecuritiesFairValue_lbl.458190.191091.308421" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_HeldToMaturitySecuritiesFairValue_lbl.458190.191091.308421">Held to Maturity, Fair Value, Total</link:label>
    <link:loc xlink:label="loc_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock.16445.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock.16445.11.8" xlink:to="lab_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock.459056.191244.308495" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock.459056.191244.308495" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock.459056.191244.308495">Schedule of Cost Basis and Fair Values of Investment Securities</link:label>
    <link:loc xlink:label="loc_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock.16445.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock.16445.11.6" xlink:to="lab_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock.459057.191243.308496" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock.459057.191243.308496" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock.459057.191243.308496">Schedule of Available-for-sale Securities Reconciliation [Table Text Block]</link:label>
    <link:loc xlink:label="loc_InvestmentsClassifiedByContractualMaturityDateTableTextBlock.11988.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentsClassifiedByContractualMaturityDateTableTextBlock.11988.11.8" xlink:to="us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_lbl.458446.191246.308497" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_lbl.458446.191246.308497" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_lbl.458446.191246.308497">Schedule of Contractual Maturities of Securities</link:label>
    <link:loc xlink:label="loc_InvestmentsClassifiedByContractualMaturityDateTableTextBlock.11988.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentsClassifiedByContractualMaturityDateTableTextBlock.11988.11.6" xlink:to="us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_lbl.458447.191245.308498" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_lbl.458447.191245.308498" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_lbl.458447.191245.308498">Investments Classified by Contractual Maturity Date [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock.16429.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock.16429.11.6" xlink:to="us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_lbl.458444.191247.308499" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_lbl.458444.191247.308499" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_lbl.458444.191247.308499">Schedule of Unrealized Loss on Investments [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock.16429.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock.16429.11.8" xlink:to="us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_lbl.458445.191248.308500" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_lbl.458445.191248.308500" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_lbl.458445.191248.308500">Schedule of Information Concerning Investments with Unrealized Losses</link:label>
    <link:loc xlink:label="loc_AccountsReceivableNetAbstract.442.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccountsReceivableNetAbstract.442.11.6" xlink:to="us-gaap_AccountsReceivableNetAbstract_lbl.458409.191205.308501" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AccountsReceivableNetAbstract_lbl.458409.191205.308501" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AccountsReceivableNetAbstract_lbl.458409.191205.308501">LOANS [Abstract]</link:label>
    <link:loc xlink:label="loc_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock.12654.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock.12654.11.6" xlink:to="us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_lbl.458410.191206.308502" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_lbl.458410.191206.308502" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_lbl.458410.191206.308502">Loans, Notes, Trade and Other Receivables Disclosure [Text Block]</link:label>
    <link:loc xlink:label="loc_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock.12654.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock.12654.11.8" xlink:to="us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_lbl.458411.191207.308503" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_lbl.458411.191207.308503" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_lbl.458411.191207.308503">LOANS</link:label>
    <link:loc xlink:label="loc_RealEstateConstructionLoansPercentage.36864.11.6" xlink:href="asrv-20131231.xsd#asrv_RealEstateConstructionLoansPercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RealEstateConstructionLoansPercentage.36864.11.6" xlink:to="asrv_RealEstateConstructionLoansPercentage_lbl.458642.190723.308504" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_RealEstateConstructionLoansPercentage_lbl.458642.190723.308504" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_RealEstateConstructionLoansPercentage_lbl.458642.190723.308504">Real Estate Construction Loans, Percentage</link:label>
    <link:loc xlink:label="loc_RealEstateConstructionLoansPercentage.36864.11.8" xlink:href="asrv-20131231.xsd#asrv_RealEstateConstructionLoansPercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RealEstateConstructionLoansPercentage.36864.11.8" xlink:to="asrv_RealEstateConstructionLoansPercentage_lbl.458643.190724.308505" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_RealEstateConstructionLoansPercentage_lbl.458643.190724.308505" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_RealEstateConstructionLoansPercentage_lbl.458643.190724.308505">Real estate-construction loans, percentage</link:label>
    <link:loc xlink:label="loc_RealEstateConstructionLoansPercentage.36864.11.12" xlink:href="asrv-20131231.xsd#asrv_RealEstateConstructionLoansPercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RealEstateConstructionLoansPercentage.36864.11.12" xlink:to="asrv_RealEstateConstructionLoansPercentage_lbl.458644.190725.308506" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_RealEstateConstructionLoansPercentage_lbl.458644.190725.308506" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_RealEstateConstructionLoansPercentage_lbl.458644.190725.308506">Real estate-construction loans, percentage.</link:label>
    <link:loc xlink:label="loc_SubPrimeMortgageLoansExposure.36876.11.6" xlink:href="asrv-20131231.xsd#asrv_SubPrimeMortgageLoansExposure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SubPrimeMortgageLoansExposure.36876.11.6" xlink:to="asrv_SubPrimeMortgageLoansExposure_lbl.458645.190726.308507" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_SubPrimeMortgageLoansExposure_lbl.458645.190726.308507" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_SubPrimeMortgageLoansExposure_lbl.458645.190726.308507">Sub Prime Mortgage Loans Exposure</link:label>
    <link:loc xlink:label="loc_SubPrimeMortgageLoansExposure.36876.11.7" xlink:href="asrv-20131231.xsd#asrv_SubPrimeMortgageLoansExposure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SubPrimeMortgageLoansExposure.36876.11.7" xlink:to="asrv_SubPrimeMortgageLoansExposure_lbl.458646.190727.308508" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_SubPrimeMortgageLoansExposure_lbl.458646.190727.308508" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_SubPrimeMortgageLoansExposure_lbl.458646.190727.308508">Exposure to sub prime mortgage loans</link:label>
    <link:loc xlink:label="loc_SubPrimeMortgageLoansExposure.36876.11.12" xlink:href="asrv-20131231.xsd#asrv_SubPrimeMortgageLoansExposure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SubPrimeMortgageLoansExposure.36876.11.12" xlink:to="asrv_SubPrimeMortgageLoansExposure_lbl.458647.190728.308509" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_SubPrimeMortgageLoansExposure_lbl.458647.190728.308509" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_SubPrimeMortgageLoansExposure_lbl.458647.190728.308509">Sub prime mortgage loans exposure.</link:label>
    <link:loc xlink:label="loc_FinancingReceivableImpairedLineItems.2292.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableImpairedLineItems.2292.11.6" xlink:to="lab_FinancingReceivableImpairedLineItems.459250.190729.308510" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableImpairedLineItems.459250.190729.308510" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableImpairedLineItems.459250.190729.308510">Financing Receivable, Impaired [Line Items]</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableRelatedParties.12592.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedParties" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableRelatedParties.12592.11.6" xlink:to="lab_LoansAndLeasesReceivableRelatedParties.11172" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableRelatedParties.11172" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableRelatedParties.11172">Loans and Leases Receivable, Related Parties</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableRelatedParties.12592.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedParties" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableRelatedParties.12592.11.8" xlink:to="lab_LoansAndLeasesReceivableRelatedParties.311572" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableRelatedParties.311572" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableRelatedParties.311572">Related party loans</link:label>
    <link:loc xlink:label="loc_ResidentialSubprimeFinancingReceivableMember.4595.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ResidentialSubprimeFinancingReceivableMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ResidentialSubprimeFinancingReceivableMember.4595.11.6" xlink:to="lab_ResidentialSubprimeFinancingReceivableMember.459248.190730.308511" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ResidentialSubprimeFinancingReceivableMember.459248.190730.308511" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ResidentialSubprimeFinancingReceivableMember.459248.190730.308511">Residential, Subprime, Financing Receivable [Member]</link:label>
    <link:loc xlink:label="loc_ResidentialSubprimeFinancingReceivableMember.4595.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ResidentialSubprimeFinancingReceivableMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ResidentialSubprimeFinancingReceivableMember.4595.11.8" xlink:to="lab_ResidentialSubprimeFinancingReceivableMember.459249.190731.308512" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ResidentialSubprimeFinancingReceivableMember.459249.190731.308512" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ResidentialSubprimeFinancingReceivableMember.459249.190731.308512">Residential Subprime Recievables [Member]</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableDeferredIncome.12529.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableDeferredIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableDeferredIncome.12529.11.8" xlink:to="us-gaap_LoansAndLeasesReceivableDeferredIncome_lbl.458126.190732.308513" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableDeferredIncome_lbl.458126.190732.308513" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableDeferredIncome_lbl.458126.190732.308513">Loan balances net of unearned income</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.11.8" xlink:to="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_lbl.458641.190733.308514" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_lbl.458641.190733.308514" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_lbl.458641.190733.308514">Loans, net of unearned income</link:label>
    <link:loc xlink:label="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock.16578.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock.16578.11.8" xlink:to="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_lbl.458448.191250.308515" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_lbl.458448.191250.308515" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_lbl.458448.191250.308515">Summary of Loan Portfolio</link:label>
    <link:loc xlink:label="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock.16578.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock.16578.11.6" xlink:to="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_lbl.458449.191249.308516" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_lbl.458449.191249.308516" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_lbl.458449.191249.308516">Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]</link:label>
    <link:loc xlink:label="loc_NonperformingAssetIncludingTdrTable.36843.11.12" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetIncludingTdrTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonperformingAssetIncludingTdrTable.36843.11.12" xlink:to="asrv_NonPerformingAssetIncludingTbrTable_lbl.458751.190325.308527" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_NonPerformingAssetIncludingTbrTable_lbl.458751.190325.308527" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_NonPerformingAssetIncludingTbrTable_lbl.458751.190325.308527">Non-Performing Asset Including TBR [Table]</link:label>
    <link:loc xlink:label="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.11.6" xlink:href="asrv-20131231.xsd#asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.11.6" xlink:to="asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_lbl.458757.190326.308528" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_lbl.458757.190326.308528" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_lbl.458757.190326.308528">Non Performing Assets Due to Loan Inclusion of Restructuring [Abstract]</link:label>
    <link:loc xlink:label="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.11.8" xlink:href="asrv-20131231.xsd#asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.11.8" xlink:to="asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_lbl.458758.190327.308529" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_lbl.458758.190327.308529" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_lbl.458758.190327.308529">Non-performing assets including TDR</link:label>
    <link:loc xlink:label="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.11.12" xlink:href="asrv-20131231.xsd#asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.11.12" xlink:to="asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_lbl.458759.190328.308530" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_lbl.458759.190328.308530" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract_lbl.458759.190328.308530">Non performing assets due to loan inclusion of restructuring.</link:label>
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubleDebtRestructurings.36847.11.8" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonperformingAssetsIncludingTroubleDebtRestructurings.36847.11.8" xlink:to="asrv_NonPerformingAssetsIncludingTroubleDebtRestructurings_lbl.458767.190329.308532" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_NonPerformingAssetsIncludingTroubleDebtRestructurings_lbl.458767.190329.308532" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_NonPerformingAssetsIncludingTroubleDebtRestructurings_lbl.458767.190329.308532">Total non-performing assets including TDR</link:label>
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubleDebtRestructurings.36847.11.12" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonperformingAssetsIncludingTroubleDebtRestructurings.36847.11.12" xlink:to="asrv_NonPerformingAssetsIncludingTroubleDebtRestructurings_lbl.458768.190330.308533" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_NonPerformingAssetsIncludingTroubleDebtRestructurings_lbl.458768.190330.308533" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_NonPerformingAssetsIncludingTroubleDebtRestructurings_lbl.458768.190330.308533">Total non-performing assets including trouble debt restructurings.</link:label>
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems.36848.11.12" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems.36848.11.12" xlink:to="asrv_NonPerformingAssetsIncludingTroubleDebtRestructuringsLineItems_lbl.458756.190331.308534" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_NonPerformingAssetsIncludingTroubleDebtRestructuringsLineItems_lbl.458756.190331.308534" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_NonPerformingAssetsIncludingTroubleDebtRestructuringsLineItems_lbl.458756.190331.308534">Non-performing assets including trouble debt restructurings.</link:label>
    <link:loc xlink:label="loc_TroubledDebtRestructuringModificationsRecordedInvestment.36882.11.6" xlink:href="asrv-20131231.xsd#asrv_TroubledDebtRestructuringModificationsRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TroubledDebtRestructuringModificationsRecordedInvestment.36882.11.6" xlink:to="asrv_TroubledDebtRestructuringModificationsRecordedInvestment_lbl.458762.190332.308535" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TroubledDebtRestructuringModificationsRecordedInvestment_lbl.458762.190332.308535" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_TroubledDebtRestructuringModificationsRecordedInvestment_lbl.458762.190332.308535">Troubled Debt Restructuring Modifications Recorded Investment</link:label>
    <link:loc xlink:label="loc_TroubledDebtRestructuringModificationsRecordedInvestment.36882.11.8" xlink:href="asrv-20131231.xsd#asrv_TroubledDebtRestructuringModificationsRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TroubledDebtRestructuringModificationsRecordedInvestment.36882.11.8" xlink:to="asrv_TroubledDebtRestructuringModificationsRecordedInvestment_lbl.458764.190333.308536" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TroubledDebtRestructuringModificationsRecordedInvestment_lbl.458764.190333.308536" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_TroubledDebtRestructuringModificationsRecordedInvestment_lbl.458764.190333.308536">TDR's not in non-accrual</link:label>
    <link:loc xlink:label="loc_TroubledDebtRestructuringModificationsRecordedInvestment.36882.11.12" xlink:href="asrv-20131231.xsd#asrv_TroubledDebtRestructuringModificationsRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TroubledDebtRestructuringModificationsRecordedInvestment.36882.11.12" xlink:to="asrv_TroubledDebtRestructuringModificationsRecordedInvestment_lbl.458765.190334.308537" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TroubledDebtRestructuringModificationsRecordedInvestment_lbl.458765.190334.308537" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_TroubledDebtRestructuringModificationsRecordedInvestment_lbl.458765.190334.308537">The amount of the outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings.</link:label>
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.11.6" xlink:to="lab_FinancingReceivableTroubledDebtRestructuringAxis.459040.190335.308538" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableTroubledDebtRestructuringAxis.459040.190335.308538" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableTroubledDebtRestructuringAxis.459040.190335.308538">Financing Receivable, Troubled Debt Restructuring [Axis]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.11.6" xlink:to="lab_FinancingReceivableTroubledDebtRestructuringDomain.459041.190336.308539" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableTroubledDebtRestructuringDomain.459041.190336.308539" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableTroubledDebtRestructuringDomain.459041.190336.308539">Financing Receivable, Troubled Debt Restructuring [Domain]</link:label>
    <link:loc xlink:label="loc_NonperformingAssetIncludingTdrTable.36843.11.6" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetIncludingTdrTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonperformingAssetIncludingTdrTable.36843.11.6" xlink:to="lab_NonperformingAssetIncludingTdrTable.458750.190337.308540" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NonperformingAssetIncludingTdrTable.458750.190337.308540" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NonperformingAssetIncludingTdrTable.458750.190337.308540">Nonperforming Asset Including Tdr [Table]</link:label>
    <link:loc xlink:label="loc_NonperformingAssetIncludingTdrTable.36843.11.7" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetIncludingTdrTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonperformingAssetIncludingTdrTable.36843.11.7" xlink:to="lab_NonperformingAssetIncludingTdrTable.512017.190338.308541" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NonperformingAssetIncludingTdrTable.512017.190338.308541" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NonperformingAssetIncludingTdrTable.512017.190338.308541">Nonperforming Asset Including TDR [Table]</link:label>
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubleDebtRestructurings.36847.11.6" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonperformingAssetsIncludingTroubleDebtRestructurings.36847.11.6" xlink:to="lab_NonperformingAssetsIncludingTroubleDebtRestructurings.458766.190339.308543" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NonperformingAssetsIncludingTroubleDebtRestructurings.458766.190339.308543" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NonperformingAssetsIncludingTroubleDebtRestructurings.458766.190339.308543">Nonperforming Assets Including Trouble Debt Restructurings</link:label>
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems.36848.11.6" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems.36848.11.6" xlink:to="lab_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems.458755.190340.308544" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems.458755.190340.308544" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems.458755.190340.308544">Nonperforming Assets Including Trouble Debt Restructurings [Line Items]</link:label>
    <link:loc xlink:label="loc_OtherRealEstate.14060.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherRealEstate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherRealEstate.14060.11.6" xlink:to="lab_OtherRealEstate.459192.190341.308545" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherRealEstate.459192.190341.308545" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherRealEstate.459192.190341.308545">Other Real Estate</link:label>
    <link:loc xlink:label="loc_OtherRealEstate.14060.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherRealEstate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherRealEstate.14060.11.8" xlink:to="lab_OtherRealEstate.459193.190342.308546" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherRealEstate.459193.190342.308546" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherRealEstate.459193.190342.308546">Other real estate owned</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.12619.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.12619.11.8" xlink:to="us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest_lbl.458760.190344.308547" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest_lbl.458760.190344.308547" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest_lbl.458760.190344.308547">Non-accrual loans</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.12619.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.12619.11.6" xlink:to="us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest_lbl.458761.190343.308548" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest_lbl.458761.190343.308548" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest_lbl.458761.190343.308548">Loans and Leases Receivable, Impaired, Nonperforming, Nonaccrual of Interest</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.12582.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.12582.11.6" xlink:to="us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans_lbl.458769.190345.308549" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans_lbl.458769.190345.308549" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans_lbl.458769.190345.308549">Loans and Leases Receivable, Ratio of Nonperforming Loans to All Loans</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.12582.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.12582.11.8" xlink:to="us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans_lbl.458770.190346.308550" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans_lbl.458770.190346.308550" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans_lbl.458770.190346.308550">Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned</link:label>
    <link:loc xlink:label="loc_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays.36762.11.6" xlink:href="asrv-20131231.xsd#asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays.36762.11.6" xlink:to="asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_lbl.458790.190275.308551" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_lbl.458790.190275.308551" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_lbl.458790.190275.308551">Aggregate of Multiple Consecutive Maturity Date Extensions Delay in Payment Days</link:label>
    <link:loc xlink:label="loc_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays.36762.11.8" xlink:href="asrv-20131231.xsd#asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays.36762.11.8" xlink:to="asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_lbl.458791.190276.308552" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_lbl.458791.190276.308552" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_lbl.458791.190276.308552">Aggregate of multiple consecutive maturity date extensions delay in payment, days</link:label>
    <link:loc xlink:label="loc_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays.36762.11.12" xlink:href="asrv-20131231.xsd#asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays.36762.11.12" xlink:to="asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_lbl.458792.190277.308553" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_lbl.458792.190277.308553" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays_lbl.458792.190277.308553">Aggregate of multiple consecutive maturity date extensions delay in payment.</link:label>
    <link:loc xlink:label="loc_BorrowersAggregateExposureForLoanModificationMinimum.36781.11.6" xlink:href="asrv-20131231.xsd#asrv_BorrowersAggregateExposureForLoanModificationMinimum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BorrowersAggregateExposureForLoanModificationMinimum.36781.11.6" xlink:to="asrv_BorrowersAggregateExposureForLoanModificationMinimum_lbl.459119.190278.308554" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_BorrowersAggregateExposureForLoanModificationMinimum_lbl.459119.190278.308554" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_BorrowersAggregateExposureForLoanModificationMinimum_lbl.459119.190278.308554">Borrowers Aggregate Exposure for Loan Modification Minimum</link:label>
    <link:loc xlink:label="loc_BorrowersAggregateExposureForLoanModificationMinimum.36781.11.7" xlink:href="asrv-20131231.xsd#asrv_BorrowersAggregateExposureForLoanModificationMinimum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BorrowersAggregateExposureForLoanModificationMinimum.36781.11.7" xlink:to="asrv_BorrowersAggregateExposureForLoanModificationMinimum_lbl.459120.190279.308555" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_BorrowersAggregateExposureForLoanModificationMinimum_lbl.459120.190279.308555" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_BorrowersAggregateExposureForLoanModificationMinimum_lbl.459120.190279.308555">Borrowers aggregate exposure for loan modification minimum</link:label>
    <link:loc xlink:label="loc_BorrowersAggregateExposureForLoanModificationMinimum.36781.11.12" xlink:href="asrv-20131231.xsd#asrv_BorrowersAggregateExposureForLoanModificationMinimum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BorrowersAggregateExposureForLoanModificationMinimum.36781.11.12" xlink:to="asrv_BorrowersAggregateExposureForLoanModificationMinimum_lbl.459121.190280.308556" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_BorrowersAggregateExposureForLoanModificationMinimum_lbl.459121.190280.308556" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_BorrowersAggregateExposureForLoanModificationMinimum_lbl.459121.190280.308556">Borrowers aggregate exposure for loan modification minimum.</link:label>
    <link:loc xlink:label="loc_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus.36836.11.8" xlink:href="asrv-20131231.xsd#asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus.36836.11.8" xlink:to="asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonAccrualStatus_lbl.458797.190281.308557" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonAccrualStatus_lbl.458797.190281.308557" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonAccrualStatus_lbl.458797.190281.308557">Minimum consecutive months payment for removing the loan from non-accrual status</link:label>
    <link:loc xlink:label="loc_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus.36836.11.12" xlink:href="asrv-20131231.xsd#asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus.36836.11.12" xlink:to="asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonAccrualStatus_lbl.458798.190282.308558" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonAccrualStatus_lbl.458798.190282.308558" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonAccrualStatus_lbl.458798.190282.308558">Minimum number of consecutive months payment for removing the loan from non-accrual status.</link:label>
    <link:loc xlink:label="loc_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus.36881.11.6" xlink:href="asrv-20131231.xsd#asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus.36881.11.6" xlink:to="asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_lbl.458793.190283.308559" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_lbl.458793.190283.308559" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_lbl.458793.190283.308559">Timely Payments on Contract Terms for Minimum Consecutive Months Prior to Consideration for Removing Loan from TDR Status</link:label>
    <link:loc xlink:label="loc_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus.36881.11.8" xlink:href="asrv-20131231.xsd#asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus.36881.11.8" xlink:to="asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_lbl.458794.190284.308560" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_lbl.458794.190284.308560" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_lbl.458794.190284.308560">Timely payments on contract terms for minimum consecutive months prior to consideration for removing loan from TDR status</link:label>
    <link:loc xlink:label="loc_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus.36881.11.12" xlink:href="asrv-20131231.xsd#asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus.36881.11.12" xlink:to="asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_lbl.458795.190285.308561" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_lbl.458795.190285.308561" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus_lbl.458795.190285.308561">Timely payments on contract terms for minimum consecutive months prior to consideration for removing loan from TDR status.</link:label>
    <link:loc xlink:label="loc_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.44387.11.6" xlink:href="asrv-20131231.xsd#asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.44387.11.6" xlink:to="lab_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.374744" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.374744" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.374744">Allowance For Loan Losses Reserve For Loans Modified As Troubled Debt Restructurings</link:label>
    <link:loc xlink:label="loc_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.44387.11.7" xlink:href="asrv-20131231.xsd#asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.44387.11.7" xlink:to="lab_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.374746" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.374746" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.374746">ALL reserve for loans modified as TDR's</link:label>
    <link:loc xlink:label="loc_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.44387.11.12" xlink:href="asrv-20131231.xsd#asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.44387.11.12" xlink:to="lab_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.374745" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.374745" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.374745">The specific ALL reserve for loans modified as TDR's.</link:label>
    <link:loc xlink:label="loc_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus.36836.11.6" xlink:href="asrv-20131231.xsd#asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus.36836.11.6" xlink:to="lab_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus.458796.190286.308562" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus.458796.190286.308562" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus.458796.190286.308562">Minimum Number Of Consecutive Months Payment For Removing Loan From Nonaccrual Status</link:label>
    <link:loc xlink:label="loc_CommercialLoanReceivableModificationsRecordedInvestment.36784.11.6" xlink:href="asrv-20131231.xsd#asrv_CommercialLoanReceivableModificationsRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommercialLoanReceivableModificationsRecordedInvestment.36784.11.6" xlink:to="asrv_CommercialLoanReceivableModificationsRecordedInvestment_lbl.459229.190297.308563" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_CommercialLoanReceivableModificationsRecordedInvestment_lbl.459229.190297.308563" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_CommercialLoanReceivableModificationsRecordedInvestment_lbl.459229.190297.308563">Commercial Loan Receivable Modifications Recorded Investment</link:label>
    <link:loc xlink:label="loc_CommercialLoanReceivableModificationsRecordedInvestment.36784.11.8" xlink:href="asrv-20131231.xsd#asrv_CommercialLoanReceivableModificationsRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommercialLoanReceivableModificationsRecordedInvestment.36784.11.8" xlink:to="asrv_CommercialLoanReceivableModificationsRecordedInvestment_lbl.459230.190298.308564" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_CommercialLoanReceivableModificationsRecordedInvestment_lbl.459230.190298.308564" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_CommercialLoanReceivableModificationsRecordedInvestment_lbl.459230.190298.308564">Recorded investment default, total</link:label>
    <link:loc xlink:label="loc_CommercialLoanReceivableModificationsRecordedInvestment.36784.11.12" xlink:href="asrv-20131231.xsd#asrv_CommercialLoanReceivableModificationsRecordedInvestment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommercialLoanReceivableModificationsRecordedInvestment.36784.11.12" xlink:to="asrv_CommercialLoanReceivableModificationsRecordedInvestment_lbl.459231.190299.308565" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_CommercialLoanReceivableModificationsRecordedInvestment_lbl.459231.190299.308565" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_CommercialLoanReceivableModificationsRecordedInvestment_lbl.459231.190299.308565">Commercial loan receivable modifications, recorded investment.</link:label>
    <link:loc xlink:label="loc_RecordedInvestmentOfDefaults.36865.11.6" xlink:href="asrv-20131231.xsd#asrv_RecordedInvestmentOfDefaults" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RecordedInvestmentOfDefaults.36865.11.6" xlink:to="asrv_RecordedInvestmentOfDefaults_lbl.459204.190300.308566" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_RecordedInvestmentOfDefaults_lbl.459204.190300.308566" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_RecordedInvestmentOfDefaults_lbl.459204.190300.308566">Recorded Investment of Defaults</link:label>
    <link:loc xlink:label="loc_RecordedInvestmentOfDefaults.36865.11.8" xlink:href="asrv-20131231.xsd#asrv_RecordedInvestmentOfDefaults" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RecordedInvestmentOfDefaults.36865.11.8" xlink:to="asrv_RecordedInvestmentOfDefaults_lbl.459205.190301.308567" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_RecordedInvestmentOfDefaults_lbl.459205.190301.308567" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_RecordedInvestmentOfDefaults_lbl.459205.190301.308567">Recorded investment of defaults</link:label>
    <link:loc xlink:label="loc_RecordedInvestmentOfDefaults.36865.11.12" xlink:href="asrv-20131231.xsd#asrv_RecordedInvestmentOfDefaults" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RecordedInvestmentOfDefaults.36865.11.12" xlink:to="asrv_RecordedInvestmentOfDefaults_lbl.459206.190302.308568" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_RecordedInvestmentOfDefaults_lbl.459206.190302.308568" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_RecordedInvestmentOfDefaults_lbl.459206.190302.308568">Recorded investment of defaults.</link:label>
    <link:loc xlink:label="loc_FinancingReceivableModificationsLineItems.2282.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableModificationsLineItems.2282.11.6" xlink:to="us-gaap_FinancingReceivableModificationsLineItems_lbl.458779.190303.308569" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FinancingReceivableModificationsLineItems_lbl.458779.190303.308569" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FinancingReceivableModificationsLineItems_lbl.458779.190303.308569">Financing Receivable, Modifications [Line Items]</link:label>
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MortgageLoansOnRealEstateMember.3405.11.7" xlink:to="us-gaap_MortgageLoansOnRealEstateMember_lbl.458634.190304.308570" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_MortgageLoansOnRealEstateMember_lbl.458634.190304.308570" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_MortgageLoansOnRealEstateMember_lbl.458634.190304.308570">Commercial loan secured by real estate [Member]</link:label>
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.11.6" xlink:to="us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_lbl.458771.190305.308571" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_lbl.458771.190305.308571" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_lbl.458771.190305.308571">Schedule of Financing Receivable, Troubled Debt Restructurings [Table]</link:label>
    <link:loc xlink:label="loc_NetReductionInInterestIncome.36840.11.6" xlink:href="asrv-20131231.xsd#asrv_NetReductionInInterestIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetReductionInInterestIncome.36840.11.6" xlink:to="asrv_NetReductionInInterestIncome_lbl.458787.190287.308517" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_NetReductionInInterestIncome_lbl.458787.190287.308517" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_NetReductionInInterestIncome_lbl.458787.190287.308517">Net Reduction in Interest Income</link:label>
    <link:loc xlink:label="loc_NetReductionInInterestIncome.36840.11.8" xlink:href="asrv-20131231.xsd#asrv_NetReductionInInterestIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetReductionInInterestIncome.36840.11.8" xlink:to="asrv_NetReductionInInterestIncome_lbl.458788.190288.308518" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_NetReductionInInterestIncome_lbl.458788.190288.308518" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_NetReductionInInterestIncome_lbl.458788.190288.308518">Net reduction in interest income</link:label>
    <link:loc xlink:label="loc_NetReductionInInterestIncome.36840.11.12" xlink:href="asrv-20131231.xsd#asrv_NetReductionInInterestIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetReductionInInterestIncome.36840.11.12" xlink:to="asrv_NetReductionInInterestIncome_lbl.458789.190289.308519" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_NetReductionInInterestIncome_lbl.458789.190289.308519" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_NetReductionInInterestIncome_lbl.458789.190289.308519">Net reduction in interest income</link:label>
    <link:loc xlink:label="loc_InterestIncomeRecordedNonaccrualLoans.36827.11.6" xlink:href="asrv-20131231.xsd#asrv_InterestIncomeRecordedNonaccrualLoans" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestIncomeRecordedNonaccrualLoans.36827.11.6" xlink:to="lab_InterestIncomeRecordedNonaccrualLoans.280840.308520" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestIncomeRecordedNonaccrualLoans.280840.308520" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestIncomeRecordedNonaccrualLoans.280840.308520">Interest Income Recorded Nonaccrual Loans</link:label>
    <link:loc xlink:label="loc_InterestIncomeRecordedNonaccrualLoans.36827.11.12" xlink:href="asrv-20131231.xsd#asrv_InterestIncomeRecordedNonaccrualLoans" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestIncomeRecordedNonaccrualLoans.36827.11.12" xlink:to="lab_InterestIncomeRecordedNonaccrualLoans.280841.308522" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestIncomeRecordedNonaccrualLoans.280841.308522" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_InterestIncomeRecordedNonaccrualLoans.280841.308522">Interest income recorded for nonaccrual loans.</link:label>
    <link:loc xlink:label="loc_InterestIncomeRecordedNonaccrualLoans.36827.11.7" xlink:href="asrv-20131231.xsd#asrv_InterestIncomeRecordedNonaccrualLoans" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestIncomeRecordedNonaccrualLoans.36827.11.7" xlink:to="lab_InterestIncomeRecordedNonaccrualLoans.280842.308521" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestIncomeRecordedNonaccrualLoans.280842.308521" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestIncomeRecordedNonaccrualLoans.280842.308521">Interest income recorded</link:label>
    <link:loc xlink:label="loc_AccountsReceivableAdditionalDisclosuresAbstract.428.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableAdditionalDisclosuresAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccountsReceivableAdditionalDisclosuresAbstract.428.11.8" xlink:to="us-gaap_AccountsReceivableAdditionalDisclosuresAbstract_lbl.458783.190293.308523" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AccountsReceivableAdditionalDisclosuresAbstract_lbl.458783.190293.308523" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_AccountsReceivableAdditionalDisclosuresAbstract_lbl.458783.190293.308523">Schedule of Interest Income</link:label>
    <link:loc xlink:label="loc_AccountsReceivableAdditionalDisclosuresAbstract.428.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableAdditionalDisclosuresAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccountsReceivableAdditionalDisclosuresAbstract.428.11.6" xlink:to="us-gaap_AccountsReceivableAdditionalDisclosuresAbstract_lbl.458784.190292.308524" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AccountsReceivableAdditionalDisclosuresAbstract_lbl.458784.190292.308524" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AccountsReceivableAdditionalDisclosuresAbstract_lbl.458784.190292.308524">Accounts Receivable Additional Disclosures [Abstract]</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.12604.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.12604.11.8" xlink:to="us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome_lbl.458785.190296.308525" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome_lbl.458785.190296.308525" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome_lbl.458785.190296.308525">Interest income due in accordance with original terms</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.12604.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.12604.11.6" xlink:to="us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome_lbl.458786.190295.308526" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome_lbl.458786.190295.308526" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome_lbl.458786.190295.308526">Loans and Leases Receivable, Impaired, Troubled Debt, Interest Income</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAccrualAndNonaccrualStatusAxis.36805.11.12" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAccrualAndNonaccrualStatusAxis.36805.11.12" xlink:to="asrv_FinancingReceivableAccrualAndNonAccrualStatusAxis_lbl.458773.190306.308572" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_FinancingReceivableAccrualAndNonAccrualStatusAxis_lbl.458773.190306.308572" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_FinancingReceivableAccrualAndNonAccrualStatusAxis_lbl.458773.190306.308572">Financing receivable, accrual and non-accrual status.</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAccrualAndNonAccrualStatusDomain.36806.11.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAccrualAndNonAccrualStatusDomain.36806.11.6" xlink:to="asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain_lbl.458774.190307.308573" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain_lbl.458774.190307.308573" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain_lbl.458774.190307.308573">Financing Receivable Accrual and Non Accrual Status [Domain]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAccrualAndNonAccrualStatusDomain.36806.11.12" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAccrualAndNonAccrualStatusDomain.36806.11.12" xlink:to="asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain_lbl.458775.190308.308574" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain_lbl.458775.190308.308574" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain_lbl.458775.190308.308574">Financing receivable, accrual and non-accrual status.</link:label>
    <link:loc xlink:label="loc_LoansInAccrualStatusMember.36832.11.6" xlink:href="asrv-20131231.xsd#asrv_LoansInAccrualStatusMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansInAccrualStatusMember.36832.11.6" xlink:to="asrv_LoansInAccrualStatusMember_lbl.458752.190322.308575" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_LoansInAccrualStatusMember_lbl.458752.190322.308575" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_LoansInAccrualStatusMember_lbl.458752.190322.308575">Loans in Accrual Status [Member]</link:label>
    <link:loc xlink:label="loc_LoansInAccrualStatusMember.36832.11.8" xlink:href="asrv-20131231.xsd#asrv_LoansInAccrualStatusMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansInAccrualStatusMember.36832.11.8" xlink:to="asrv_LoansInAccrualStatusMember_lbl.458753.190323.308576" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_LoansInAccrualStatusMember_lbl.458753.190323.308576" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_LoansInAccrualStatusMember_lbl.458753.190323.308576">Loans in accrual status [Member]</link:label>
    <link:loc xlink:label="loc_LoansInAccrualStatusMember.36832.11.12" xlink:href="asrv-20131231.xsd#asrv_LoansInAccrualStatusMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansInAccrualStatusMember.36832.11.12" xlink:to="asrv_LoansInAccrualStatusMember_lbl.458754.190324.308577" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_LoansInAccrualStatusMember_lbl.458754.190324.308577" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_LoansInAccrualStatusMember_lbl.458754.190324.308577">Loans in accrual status.</link:label>
    <link:loc xlink:label="loc_LoansInNonAccrualStatusMember.36833.11.6" xlink:href="asrv-20131231.xsd#asrv_LoansInNonAccrualStatusMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansInNonAccrualStatusMember.36833.11.6" xlink:to="asrv_LoansInNonAccrualStatusMember_lbl.458776.190309.308578" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_LoansInNonAccrualStatusMember_lbl.458776.190309.308578" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_LoansInNonAccrualStatusMember_lbl.458776.190309.308578">Loans in Non Accrual Status [Member]</link:label>
    <link:loc xlink:label="loc_LoansInNonAccrualStatusMember.36833.11.7" xlink:href="asrv-20131231.xsd#asrv_LoansInNonAccrualStatusMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansInNonAccrualStatusMember.36833.11.7" xlink:to="asrv_LoansInNonAccrualStatusMember_lbl.458777.190310.308579" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_LoansInNonAccrualStatusMember_lbl.458777.190310.308579" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_LoansInNonAccrualStatusMember_lbl.458777.190310.308579">Loans in non-accrual status [Member]</link:label>
    <link:loc xlink:label="loc_LoansInNonAccrualStatusMember.36833.11.12" xlink:href="asrv-20131231.xsd#asrv_LoansInNonAccrualStatusMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansInNonAccrualStatusMember.36833.11.12" xlink:to="asrv_LoansInNonAccrualStatusMember_lbl.458778.190311.308580" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_LoansInNonAccrualStatusMember_lbl.458778.190311.308580" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_LoansInNonAccrualStatusMember_lbl.458778.190311.308580">Loans in non-accrual status.</link:label>
    <link:loc xlink:label="loc_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract.36883.11.6" xlink:href="asrv-20131231.xsd#asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract.36883.11.6" xlink:to="asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_lbl.458780.190312.308581" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_lbl.458780.190312.308581" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_lbl.458780.190312.308581">Trouble Debt Restructuring for Non Performing Assets Granted [Abstract]</link:label>
    <link:loc xlink:label="loc_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract.36883.11.8" xlink:href="asrv-20131231.xsd#asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract.36883.11.8" xlink:to="asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_lbl.458781.190313.308582" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_lbl.458781.190313.308582" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_lbl.458781.190313.308582">Schedule of TDRs</link:label>
    <link:loc xlink:label="loc_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract.36883.11.12" xlink:href="asrv-20131231.xsd#asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract.36883.11.12" xlink:to="asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_lbl.458782.190314.308583" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_lbl.458782.190314.308583" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract_lbl.458782.190314.308583">Trouble debt restructuring for non performing assets granted.</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAccrualAndNonaccrualStatusAxis.36805.11.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAccrualAndNonaccrualStatusAxis.36805.11.6" xlink:to="lab_FinancingReceivableAccrualAndNonaccrualStatusAxis.458772.190315.308584" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAccrualAndNonaccrualStatusAxis.458772.190315.308584" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAccrualAndNonaccrualStatusAxis.458772.190315.308584">Financing Receivable Accrual And Nonaccrual Status [Axis]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.10257.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.10257.11.6" xlink:to="lab_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.459156.190316.308585" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.459156.190316.308585" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.459156.190316.308585">Financing Receivable, Modifications, Determination of Allowance for Credit Losses</link:label>
    <link:loc xlink:label="loc_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.10257.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.10257.11.8" xlink:to="lab_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.459157.190317.308586" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.459157.190317.308586" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.459157.190317.308586">Concession Granted</link:label>
    <link:loc xlink:label="loc_FinancingReceivableModificationsNumberOfContracts2.10252.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts2" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableModificationsNumberOfContracts2.10252.11.8" xlink:to="lab_FinancingReceivableModificationsNumberOfContracts2.197978.308588" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableModificationsNumberOfContracts2.197978.308588" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableModificationsNumberOfContracts2.197978.308588">Number of loans</link:label>
    <link:loc xlink:label="loc_FinancingReceivableModificationsNumberOfContracts2.10252.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts2" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableModificationsNumberOfContracts2.10252.11.6" xlink:to="lab_FinancingReceivableModificationsNumberOfContracts2.7522.308587" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableModificationsNumberOfContracts2.7522.308587" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableModificationsNumberOfContracts2.7522.308587">Financing Receivable, Modifications, Number of Contracts</link:label>
    <link:loc xlink:label="loc_FinancingReceivableModificationsPostModificationRecordedInvestment2.10253.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableModificationsPostModificationRecordedInvestment2.10253.11.8" xlink:to="lab_FinancingReceivableModificationsPostModificationRecordedInvestment2.197979.308590" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableModificationsPostModificationRecordedInvestment2.197979.308590" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableModificationsPostModificationRecordedInvestment2.197979.308590">Current Balance</link:label>
    <link:loc xlink:label="loc_FinancingReceivableModificationsPostModificationRecordedInvestment2.10253.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableModificationsPostModificationRecordedInvestment2.10253.11.6" xlink:to="lab_FinancingReceivableModificationsPostModificationRecordedInvestment2.7524.308589" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableModificationsPostModificationRecordedInvestment2.7524.308589" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableModificationsPostModificationRecordedInvestment2.7524.308589">Financing Receivable, Modifications, Post-Modification Recorded Investment</link:label>
    <link:loc xlink:label="loc_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr.36846.11.6" xlink:href="asrv-20131231.xsd#asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr.36846.11.6" xlink:to="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_lbl.459221.190357.308591" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_lbl.459221.190357.308591" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_lbl.459221.190357.308591">Non Performing Assets Including Troubled Debt Restructurings Tdr</link:label>
    <link:loc xlink:label="loc_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr.36846.11.12" xlink:href="asrv-20131231.xsd#asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr.36846.11.12" xlink:to="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_lbl.459222.190359.308592" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_lbl.459222.190359.308592" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_lbl.459222.190359.308592">Non-performing Assets Including Troubled Debt Restructurings (TDR).</link:label>
    <link:loc xlink:label="loc_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr.36846.11.8" xlink:href="asrv-20131231.xsd#asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr.36846.11.8" xlink:to="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_lbl.459223.190358.308593" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_lbl.459223.190358.308593" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr_lbl.459223.190358.308593">NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR)</link:label>
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.11.12" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.11.12" xlink:to="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdrAbstract_lbl.459220.190290.308531" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdrAbstract_lbl.459220.190290.308531" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdrAbstract_lbl.459220.190290.308531">Non performing assets including trouble debt restructurings.</link:label>
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.11.6" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.11.6" xlink:to="lab_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.459219.190291.308542" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.459219.190291.308542" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.459219.190291.308542">NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) [Abstract]</link:label>
    <link:loc xlink:label="loc_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock.36873.11.8" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock.36873.11.8" xlink:to="asrv_ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock_lbl.458463.190347.308594" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock_lbl.458463.190347.308594" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock_lbl.458463.190347.308594">Schedule of Non-performing Assets Including TDR</link:label>
    <link:loc xlink:label="loc_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock.36873.11.12" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock.36873.11.12" xlink:to="asrv_ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock_lbl.458464.190348.308595" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock_lbl.458464.190348.308595" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_ScheduleOfNonPerformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock_lbl.458464.190348.308595">Schedule of non-performing assets including trouble debt restructurings.</link:label>
    <link:loc xlink:label="loc_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock.36875.11.6" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock.36875.11.6" xlink:to="asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_lbl.459201.190349.308596" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_lbl.459201.190349.308596" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_lbl.459201.190349.308596">Schedule Of Recorded Investment In Loans As Trouble Debt Restructuring Table Text Block</link:label>
    <link:loc xlink:label="loc_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock.36875.11.8" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock.36875.11.8" xlink:to="asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_lbl.459202.190350.308597" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_lbl.459202.190350.308597" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_lbl.459202.190350.308597">Schedule of Recorded Investment of Defaults</link:label>
    <link:loc xlink:label="loc_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock.36875.11.12" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock.36875.11.12" xlink:to="asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_lbl.459203.190351.308598" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_lbl.459203.190351.308598" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock_lbl.459203.190351.308598">Schedule of recorded investment in loans as trouble debt restructuring.</link:label>
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock.16316.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock.16316.11.6" xlink:to="lab_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock.459188.190352.308599" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock.459188.190352.308599" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock.459188.190352.308599">Schedule of Financing Receivables, Non Accrual Status [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock.16316.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock.16316.11.8" xlink:to="lab_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock.459189.190353.308600" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock.459189.190353.308600" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock.459189.190353.308600">Schedule of Interest Income</link:label>
    <link:loc xlink:label="loc_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock.36873.11.6" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock.36873.11.6" xlink:to="lab_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock.458462.190354.308601" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock.458462.190354.308601" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock.458462.190354.308601">Schedule Of Nonperforming Assets Including Trouble Debt Restructurings [Table Text Block]</link:label>
    <link:loc xlink:label="loc_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock.17720.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock.17720.11.6" xlink:to="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_lbl.458465.190355.308602" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_lbl.458465.190355.308602" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_lbl.458465.190355.308602">Troubled Debt Restructurings on Financing Receivables [Table Text Block]</link:label>
    <link:loc xlink:label="loc_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock.17720.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock.17720.11.8" xlink:to="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_lbl.458466.190356.308603" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_lbl.458466.190356.308603" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_lbl.458466.190356.308603">Schedule of TDRs</link:label>
    <link:loc xlink:label="loc_CompensationAndRetirementDisclosureAbstract.1105.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.11.6" xlink:to="lab_CompensationAndRetirementDisclosureAbstract.216826.309114" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CompensationAndRetirementDisclosureAbstract.216826.309114" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CompensationAndRetirementDisclosureAbstract.216826.309114">EMPLOYEE BENEFIT PLANS [Abstract]</link:label>
    <link:loc xlink:label="loc_PensionAndOtherPostretirementBenefitsDisclosureTextBlock.14427.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PensionAndOtherPostretirementBenefitsDisclosureTextBlock.14427.11.8" xlink:to="us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock_lbl.458432.191228.308605" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock_lbl.458432.191228.308605" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock_lbl.458432.191228.308605">EMPLOYEE BENEFIT PLANS</link:label>
    <link:loc xlink:label="loc_PensionAndOtherPostretirementBenefitsDisclosureTextBlock.14427.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PensionAndOtherPostretirementBenefitsDisclosureTextBlock.14427.11.6" xlink:to="us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock_lbl.458433.191227.308606" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock_lbl.458433.191227.308606" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock_lbl.458433.191227.308606">Pension and Other Postretirement Benefits Disclosure [Text Block]</link:label>
    <link:loc xlink:label="loc_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract.4091.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract.4091.11.6" xlink:to="us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract_lbl.458418.191214.308656" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract_lbl.458418.191214.308656" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract_lbl.458418.191214.308656">PREFERRED STOCK [Abstract]</link:label>
    <link:loc xlink:label="loc_PreferredStockTextBlock.14689.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockTextBlock.14689.11.6" xlink:to="us-gaap_PreferredStockTextBlock_lbl.458419.191215.308657" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PreferredStockTextBlock_lbl.458419.191215.308657" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PreferredStockTextBlock_lbl.458419.191215.308657">Preferred Stock [Text Block]</link:label>
    <link:loc xlink:label="loc_PreferredStockTextBlock.14689.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockTextBlock.14689.11.8" xlink:to="us-gaap_PreferredStockTextBlock_lbl.458420.191216.308658" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PreferredStockTextBlock_lbl.458420.191216.308658" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PreferredStockTextBlock_lbl.458420.191216.308658">PREFERRED STOCK</link:label>
    <link:loc xlink:label="loc_DividendAnnualizedPeriod.36794.11.8" xlink:href="asrv-20131231.xsd#asrv_DividendAnnualizedPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendAnnualizedPeriod.36794.11.8" xlink:to="asrv_DividendAnnualizedPeriod_lbl.459109.191347.308659" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_DividendAnnualizedPeriod_lbl.459109.191347.308659" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_DividendAnnualizedPeriod_lbl.459109.191347.308659">Dividend Annualized Period</link:label>
    <link:loc xlink:label="loc_DividendAnnualizedPeriod.36794.11.12" xlink:href="asrv-20131231.xsd#asrv_DividendAnnualizedPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendAnnualizedPeriod.36794.11.12" xlink:to="asrv_DividendAnnualizedPeriod_lbl.459110.191348.308660" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_DividendAnnualizedPeriod_lbl.459110.191348.308660" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_DividendAnnualizedPeriod_lbl.459110.191348.308660">Dividend annualized period.</link:label>
    <link:loc xlink:label="loc_DividendRateOfPreferredStockAxis.36795.11.6" xlink:href="asrv-20131231.xsd#asrv_DividendRateOfPreferredStockAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendRateOfPreferredStockAxis.36795.11.6" xlink:to="asrv_DividendRateOfPreferredStockAxis_lbl.458811.191349.308661" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_DividendRateOfPreferredStockAxis_lbl.458811.191349.308661" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_DividendRateOfPreferredStockAxis_lbl.458811.191349.308661">Dividend Rate of Preferred Stock [Axis]</link:label>
    <link:loc xlink:label="loc_DividendRateOfPreferredStockAxis.36795.11.12" xlink:href="asrv-20131231.xsd#asrv_DividendRateOfPreferredStockAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendRateOfPreferredStockAxis.36795.11.12" xlink:to="asrv_DividendRateOfPreferredStockAxis_lbl.458812.191350.308662" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_DividendRateOfPreferredStockAxis_lbl.458812.191350.308662" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_DividendRateOfPreferredStockAxis_lbl.458812.191350.308662">Dividend rate of preferred stock.</link:label>
    <link:loc xlink:label="loc_DividendRateOfPreferredStockDomain.36796.11.6" xlink:href="asrv-20131231.xsd#asrv_DividendRateOfPreferredStockDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendRateOfPreferredStockDomain.36796.11.6" xlink:to="asrv_DividendRateOfPreferredStockDomain_lbl.458813.191351.308663" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_DividendRateOfPreferredStockDomain_lbl.458813.191351.308663" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_DividendRateOfPreferredStockDomain_lbl.458813.191351.308663">Dividend Rate of Preferred Stock [Domain]</link:label>
    <link:loc xlink:label="loc_DividendRateOfPreferredStockDomain.36796.11.12" xlink:href="asrv-20131231.xsd#asrv_DividendRateOfPreferredStockDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendRateOfPreferredStockDomain.36796.11.12" xlink:to="asrv_DividendRateOfPreferredStockDomain_lbl.458814.191352.308664" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_DividendRateOfPreferredStockDomain_lbl.458814.191352.308664" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_DividendRateOfPreferredStockDomain_lbl.458814.191352.308664">Dividend rate of preferred stock.</link:label>
    <link:loc xlink:label="loc_PreferredStockLineItems.36861.11.6" xlink:href="asrv-20131231.xsd#asrv_PreferredStockLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockLineItems.36861.11.6" xlink:to="asrv_PreferredStockLineItems_lbl.458815.191353.308665" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_PreferredStockLineItems_lbl.458815.191353.308665" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_PreferredStockLineItems_lbl.458815.191353.308665">Preferred Stock [Line Items]</link:label>
    <link:loc xlink:label="loc_PreferredStockLineItems.36861.11.12" xlink:href="asrv-20131231.xsd#asrv_PreferredStockLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockLineItems.36861.11.12" xlink:to="asrv_PreferredStockLineItems_lbl.458816.191354.308666" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_PreferredStockLineItems_lbl.458816.191354.308666" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_PreferredStockLineItems_lbl.458816.191354.308666">Preferred stock.</link:label>
    <link:loc xlink:label="loc_PreferredStockTable.36862.11.6" xlink:href="asrv-20131231.xsd#asrv_PreferredStockTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockTable.36862.11.6" xlink:to="asrv_PreferredStockTable_lbl.458809.191355.308667" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_PreferredStockTable_lbl.458809.191355.308667" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_PreferredStockTable_lbl.458809.191355.308667">Preferred Stock [Table]</link:label>
    <link:loc xlink:label="loc_PreferredStockTable.36862.11.12" xlink:href="asrv-20131231.xsd#asrv_PreferredStockTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockTable.36862.11.12" xlink:to="asrv_PreferredStockTable_lbl.458810.191356.308668" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_PreferredStockTable_lbl.458810.191356.308668" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_PreferredStockTable_lbl.458810.191356.308668">Preferred stock table.</link:label>
    <link:loc xlink:label="loc_Redemption.36866.11.8" xlink:href="asrv-20131231.xsd#asrv_Redemption" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Redemption.36866.11.8" xlink:to="asrv_Redemption_lbl.459074.191357.308669" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_Redemption_lbl.459074.191357.308669" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_Redemption_lbl.459074.191357.308669">Redemption</link:label>
    <link:loc xlink:label="loc_Redemption.36866.11.12" xlink:href="asrv-20131231.xsd#asrv_Redemption" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Redemption.36866.11.12" xlink:to="asrv_Redemption_lbl.459075.191358.308670" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_Redemption_lbl.459075.191358.308670" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_Redemption_lbl.459075.191358.308670">Redemption.</link:label>
    <link:loc xlink:label="loc_TermFourMember.36877.11.6" xlink:href="asrv-20131231.xsd#asrv_TermFourMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TermFourMember.36877.11.6" xlink:to="asrv_TermFourMember_lbl.459085.191359.308671" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TermFourMember_lbl.459085.191359.308671" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_TermFourMember_lbl.459085.191359.308671">Term Four [Member]</link:label>
    <link:loc xlink:label="loc_TermFourMember.36877.11.12" xlink:href="asrv-20131231.xsd#asrv_TermFourMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TermFourMember.36877.11.12" xlink:to="asrv_TermFourMember_lbl.459086.191361.308672" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TermFourMember_lbl.459086.191361.308672" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_TermFourMember_lbl.459086.191361.308672">Term 4.</link:label>
    <link:loc xlink:label="loc_TermFourMember.36877.11.8" xlink:href="asrv-20131231.xsd#asrv_TermFourMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TermFourMember.36877.11.8" xlink:to="asrv_TermFourMember_lbl.459087.191360.308673" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TermFourMember_lbl.459087.191360.308673" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_TermFourMember_lbl.459087.191360.308673">Term 4 [Member]</link:label>
    <link:loc xlink:label="loc_TermOneMember.36878.11.6" xlink:href="asrv-20131231.xsd#asrv_TermOneMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TermOneMember.36878.11.6" xlink:to="asrv_TermOneMember_lbl.459076.191362.308674" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TermOneMember_lbl.459076.191362.308674" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_TermOneMember_lbl.459076.191362.308674">Term One [Member]</link:label>
    <link:loc xlink:label="loc_TermOneMember.36878.11.12" xlink:href="asrv-20131231.xsd#asrv_TermOneMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TermOneMember.36878.11.12" xlink:to="asrv_TermOneMember_lbl.459077.191364.308675" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TermOneMember_lbl.459077.191364.308675" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_TermOneMember_lbl.459077.191364.308675">Term 1.</link:label>
    <link:loc xlink:label="loc_TermOneMember.36878.11.8" xlink:href="asrv-20131231.xsd#asrv_TermOneMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TermOneMember.36878.11.8" xlink:to="asrv_TermOneMember_lbl.459078.191363.308676" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TermOneMember_lbl.459078.191363.308676" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_TermOneMember_lbl.459078.191363.308676">Term 1 [Member]</link:label>
    <link:loc xlink:label="loc_TermThreeMember.36879.11.6" xlink:href="asrv-20131231.xsd#asrv_TermThreeMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TermThreeMember.36879.11.6" xlink:to="asrv_TermThreeMember_lbl.459082.191365.308677" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TermThreeMember_lbl.459082.191365.308677" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_TermThreeMember_lbl.459082.191365.308677">Term Three [Member]</link:label>
    <link:loc xlink:label="loc_TermThreeMember.36879.11.12" xlink:href="asrv-20131231.xsd#asrv_TermThreeMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TermThreeMember.36879.11.12" xlink:to="asrv_TermThreeMember_lbl.459083.191367.308678" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TermThreeMember_lbl.459083.191367.308678" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_TermThreeMember_lbl.459083.191367.308678">Term 3.</link:label>
    <link:loc xlink:label="loc_TermThreeMember.36879.11.8" xlink:href="asrv-20131231.xsd#asrv_TermThreeMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TermThreeMember.36879.11.8" xlink:to="asrv_TermThreeMember_lbl.459084.191366.308679" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TermThreeMember_lbl.459084.191366.308679" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_TermThreeMember_lbl.459084.191366.308679">Term 3 [Member]</link:label>
    <link:loc xlink:label="loc_TermTwoMember.36880.11.6" xlink:href="asrv-20131231.xsd#asrv_TermTwoMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TermTwoMember.36880.11.6" xlink:to="asrv_TermTwoMember_lbl.459079.191368.308680" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TermTwoMember_lbl.459079.191368.308680" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_TermTwoMember_lbl.459079.191368.308680">Term Two [Member]</link:label>
    <link:loc xlink:label="loc_TermTwoMember.36880.11.12" xlink:href="asrv-20131231.xsd#asrv_TermTwoMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TermTwoMember.36880.11.12" xlink:to="asrv_TermTwoMember_lbl.459080.191370.308681" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TermTwoMember_lbl.459080.191370.308681" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_TermTwoMember_lbl.459080.191370.308681">Term 2.</link:label>
    <link:loc xlink:label="loc_TermTwoMember.36880.11.8" xlink:href="asrv-20131231.xsd#asrv_TermTwoMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TermTwoMember.36880.11.8" xlink:to="asrv_TermTwoMember_lbl.459081.191369.308682" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TermTwoMember_lbl.459081.191369.308682" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_TermTwoMember_lbl.459081.191369.308682">Term 2 [Member]</link:label>
    <link:loc xlink:label="loc_DividendAnnualizedPeriod.36794.11.6" xlink:href="asrv-20131231.xsd#asrv_DividendAnnualizedPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendAnnualizedPeriod.36794.11.6" xlink:to="lab_DividendAnnualizedPeriod.459108.191372.308683" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DividendAnnualizedPeriod.459108.191372.308683" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DividendAnnualizedPeriod.459108.191372.308683">Dividend Annualized Period</link:label>
    <link:loc xlink:label="loc_Redemption.36866.11.6" xlink:href="asrv-20131231.xsd#asrv_Redemption" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Redemption.36866.11.6" xlink:to="lab_Redemption.459073.191373.308684" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Redemption.459073.191373.308684" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_Redemption.459073.191373.308684">Redemption</link:label>
    <link:loc xlink:label="loc_SeriesEPreferredStockMember.5025.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SeriesEPreferredStockMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SeriesEPreferredStockMember.5025.11.8" xlink:to="lab_SeriesEPreferredStockMember.459091.191375.308705" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SeriesEPreferredStockMember.459091.191375.308705" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_SeriesEPreferredStockMember.459091.191375.308705">Series E Preferred Stock [Member]</link:label>
    <link:loc xlink:label="loc_PreferredStockDividendRatePercentage.14679.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockDividendRatePercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockDividendRatePercentage.14679.11.8" xlink:to="us-gaap_PreferredStockDividendRatePercentage_lbl.458822.191378.308709" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PreferredStockDividendRatePercentage_lbl.458822.191378.308709" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_PreferredStockDividendRatePercentage_lbl.458822.191378.308709">Annualized Dividend Rate</link:label>
    <link:loc xlink:label="loc_ScheduleOfDividendsPayableTextBlock.16456.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDividendsPayableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfDividendsPayableTextBlock.16456.11.6" xlink:to="lab_ScheduleOfDividendsPayableTextBlock.459234.190374.308714" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfDividendsPayableTextBlock.459234.190374.308714" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDividendsPayableTextBlock.459234.190374.308714">Schedule of Dividends Payable [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfDividendsPayableTextBlock.16456.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDividendsPayableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfDividendsPayableTextBlock.16456.11.8" xlink:to="lab_ScheduleOfDividendsPayableTextBlock.459235.190375.308715" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfDividendsPayableTextBlock.459235.190375.308715" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDividendsPayableTextBlock.459235.190375.308715">Schedule of Preferred Dividend Stock Period Annualized</link:label>
    <link:loc xlink:label="loc_RegulatoryCapitalRequirementsAbstract.4500.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RegulatoryCapitalRequirementsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RegulatoryCapitalRequirementsAbstract.4500.11.6" xlink:to="lab_RegulatoryCapitalRequirementsAbstract.511945.191217.308716" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RegulatoryCapitalRequirementsAbstract.511945.191217.308716" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RegulatoryCapitalRequirementsAbstract.511945.191217.308716">REGULATORY CAPITAL [Abstract]</link:label>
    <link:loc xlink:label="loc_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.15696.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.15696.11.6" xlink:to="us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_lbl.458423.191218.308717" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_lbl.458423.191218.308717" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_lbl.458423.191218.308717">Regulatory Capital Requirements under Banking Regulations [Text Block]</link:label>
    <link:loc xlink:label="loc_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.15696.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.15696.11.8" xlink:to="us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_lbl.458424.191219.308718" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_lbl.458424.191219.308718" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_lbl.458424.191219.308718">REGULATORY CAPITAL</link:label>
    <link:loc xlink:label="loc_AmeriservFinancialBankMember.36765.11.12" xlink:href="asrv-20131231.xsd#asrv_AmeriservFinancialBankMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmeriservFinancialBankMember.36765.11.12" xlink:to="asrv_AmeriservFinancialBankMember_lbl.458832.190545.308719" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AmeriservFinancialBankMember_lbl.458832.190545.308719" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_AmeriservFinancialBankMember_lbl.458832.190545.308719">Ameriserv financial bank.</link:label>
    <link:loc xlink:label="loc_AmeriservFinancialBankMember.36765.11.8" xlink:href="asrv-20131231.xsd#asrv_AmeriservFinancialBankMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmeriservFinancialBankMember.36765.11.8" xlink:to="asrv_AmeriservFinancialBankMember_lbl.458833.190544.308720" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_AmeriservFinancialBankMember_lbl.458833.190544.308720" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="asrv_AmeriservFinancialBankMember_lbl.458833.190544.308720">AmeriServ Financial Bank [Member]</link:label>
    <link:loc xlink:label="loc_RegulatoryCapitalTable.36868.11.6" xlink:href="asrv-20131231.xsd#asrv_RegulatoryCapitalTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RegulatoryCapitalTable.36868.11.6" xlink:to="asrv_RegulatoryCapitalTable_lbl.458824.190546.308721" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_RegulatoryCapitalTable_lbl.458824.190546.308721" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_RegulatoryCapitalTable_lbl.458824.190546.308721">Regulatory Capital [Table]</link:label>
    <link:loc xlink:label="loc_RegulatoryCapitalTable.36868.11.12" xlink:href="asrv-20131231.xsd#asrv_RegulatoryCapitalTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RegulatoryCapitalTable.36868.11.12" xlink:to="asrv_RegulatoryCapitalTable_lbl.458825.190547.308722" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_RegulatoryCapitalTable_lbl.458825.190547.308722" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_RegulatoryCapitalTable_lbl.458825.190547.308722">Regulatory capital table.</link:label>
    <link:loc xlink:label="loc_EntityDomain.99.11.7" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EntityDomain.99.11.7" xlink:to="dei_EntityDomain_lbl.458827.190762.308639" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="dei_EntityDomain_lbl.458827.190762.308639" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="dei_EntityDomain_lbl.458827.190762.308639">Entity [Domain]</link:label>
    <link:loc xlink:label="loc_AmeriservFinancialBankMember.36765.11.6" xlink:href="asrv-20131231.xsd#asrv_AmeriservFinancialBankMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmeriservFinancialBankMember.36765.11.6" xlink:to="lab_AmeriservFinancialBankMember.458831.190548.308723" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AmeriservFinancialBankMember.458831.190548.308723" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AmeriservFinancialBankMember.458831.190548.308723">Ameriserv Financial Bank [Member]</link:label>
    <link:loc xlink:label="loc_Capital.6658.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Capital" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Capital.6658.11.8" xlink:to="us-gaap_Capital_lbl.458837.190550.308724" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_Capital_lbl.458837.190550.308724" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_Capital_lbl.458837.190550.308724">Total Capital (To Risk Weighted Assets), Actual Amount</link:label>
    <link:loc xlink:label="loc_Capital.6658.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Capital" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Capital.6658.11.6" xlink:to="us-gaap_Capital_lbl.458838.190549.308725" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_Capital_lbl.458838.190549.308725" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_Capital_lbl.458838.190549.308725">Capital</link:label>
    <link:loc xlink:label="loc_CapitalRequiredForCapitalAdequacy.6730.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalRequiredForCapitalAdequacy.6730.11.8" xlink:to="us-gaap_CapitalRequiredForCapitalAdequacy_lbl.458841.190552.308726" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CapitalRequiredForCapitalAdequacy_lbl.458841.190552.308726" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CapitalRequiredForCapitalAdequacy_lbl.458841.190552.308726">Total Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Amount</link:label>
    <link:loc xlink:label="loc_CapitalRequiredForCapitalAdequacy.6730.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalRequiredForCapitalAdequacy.6730.11.6" xlink:to="us-gaap_CapitalRequiredForCapitalAdequacy_lbl.458842.190551.308727" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CapitalRequiredForCapitalAdequacy_lbl.458842.190551.308727" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CapitalRequiredForCapitalAdequacy_lbl.458842.190551.308727">Capital Required for Capital Adequacy</link:label>
    <link:loc xlink:label="loc_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.6729.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.6729.11.8" xlink:to="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl.458843.190554.308728" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl.458843.190554.308728" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl.458843.190554.308728">Total Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Ratio</link:label>
    <link:loc xlink:label="loc_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.6729.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.6729.11.6" xlink:to="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl.458844.190553.308729" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl.458844.190553.308729" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl.458844.190553.308729">Capital Required for Capital Adequacy to Risk Weighted Assets</link:label>
    <link:loc xlink:label="loc_CapitalRequiredToBeWellCapitalized.6733.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalRequiredToBeWellCapitalized.6733.11.8" xlink:to="us-gaap_CapitalRequiredToBeWellCapitalized_lbl.458845.190556.308730" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CapitalRequiredToBeWellCapitalized_lbl.458845.190556.308730" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CapitalRequiredToBeWellCapitalized_lbl.458845.190556.308730">Total Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount</link:label>
    <link:loc xlink:label="loc_CapitalRequiredToBeWellCapitalized.6733.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalRequiredToBeWellCapitalized.6733.11.6" xlink:to="us-gaap_CapitalRequiredToBeWellCapitalized_lbl.458846.190555.308731" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CapitalRequiredToBeWellCapitalized_lbl.458846.190555.308731" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CapitalRequiredToBeWellCapitalized_lbl.458846.190555.308731">Capital Required to be Well Capitalized</link:label>
    <link:loc xlink:label="loc_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.6724.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.6724.11.8" xlink:to="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl.458847.190558.308732" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl.458847.190558.308732" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl.458847.190558.308732">Total Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio</link:label>
    <link:loc xlink:label="loc_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.6724.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.6724.11.6" xlink:to="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl.458848.190557.308733" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl.458848.190557.308733" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl.458848.190557.308733">Capital Required to be Well Capitalized to Risk Weighted Assets</link:label>
    <link:loc xlink:label="loc_CapitalToRiskWeightedAssets.6738.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalToRiskWeightedAssets.6738.11.8" xlink:to="us-gaap_CapitalToRiskWeightedAssets_lbl.458839.190560.308734" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CapitalToRiskWeightedAssets_lbl.458839.190560.308734" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_CapitalToRiskWeightedAssets_lbl.458839.190560.308734">Total Capital (To Risk Weighted Assets), Actual Ratio</link:label>
    <link:loc xlink:label="loc_CapitalToRiskWeightedAssets.6738.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CapitalToRiskWeightedAssets.6738.11.6" xlink:to="us-gaap_CapitalToRiskWeightedAssets_lbl.458840.190559.308735" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CapitalToRiskWeightedAssets_lbl.458840.190559.308735" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CapitalToRiskWeightedAssets_lbl.458840.190559.308735">Capital to Risk Weighted Assets</link:label>
    <link:loc xlink:label="loc_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems.1109.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems.1109.11.6" xlink:to="us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_lbl.458834.190561.308736" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_lbl.458834.190561.308736" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_lbl.458834.190561.308736">Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</link:label>
    <link:loc xlink:label="loc_ConsolidatedEntitiesMember.1153.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsolidatedEntitiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ConsolidatedEntitiesMember.1153.11.6" xlink:to="us-gaap_ConsolidatedEntitiesMember_lbl.458829.190562.308737" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ConsolidatedEntitiesMember_lbl.458829.190562.308737" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ConsolidatedEntitiesMember_lbl.458829.190562.308737">Consolidated Entities [Member]</link:label>
    <link:loc xlink:label="loc_ConsolidatedEntitiesMember.1153.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsolidatedEntitiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ConsolidatedEntitiesMember.1153.11.8" xlink:to="us-gaap_ConsolidatedEntitiesMember_lbl.458830.190563.308738" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ConsolidatedEntitiesMember_lbl.458830.190563.308738" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ConsolidatedEntitiesMember_lbl.458830.190563.308738">Consolidated [Member]</link:label>
    <link:loc xlink:label="loc_TangibleCapitalToTangibleAssets.17445.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TangibleCapitalToTangibleAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TangibleCapitalToTangibleAssets.17445.11.6" xlink:to="us-gaap_TangibleCapitalToTangibleAssets_lbl.458876.190564.308739" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TangibleCapitalToTangibleAssets_lbl.458876.190564.308739" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_TangibleCapitalToTangibleAssets_lbl.458876.190564.308739">Tangible Capital to Tangible Assets</link:label>
    <link:loc xlink:label="loc_TangibleCapitalToTangibleAssets.17445.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TangibleCapitalToTangibleAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TangibleCapitalToTangibleAssets.17445.11.8" xlink:to="us-gaap_TangibleCapitalToTangibleAssets_lbl.458877.190565.308740" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TangibleCapitalToTangibleAssets_lbl.458877.190565.308740" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_TangibleCapitalToTangibleAssets_lbl.458877.190565.308740">Tangible common equity ratio</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapital.17530.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapital" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapital.17530.11.8" xlink:to="us-gaap_TierOneLeverageCapital_lbl.458861.190567.308741" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneLeverageCapital_lbl.458861.190567.308741" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneLeverageCapital_lbl.458861.190567.308741">Tier 1 Capital (To Average Assets), Actual Amount</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapital.17530.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapital" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapital.17530.11.6" xlink:to="us-gaap_TierOneLeverageCapital_lbl.458862.190566.308742" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneLeverageCapital_lbl.458862.190566.308742" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneLeverageCapital_lbl.458862.190566.308742">Tier One Leverage Capital</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalAbstract.5312.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.11.8" xlink:to="us-gaap_TierOneLeverageCapitalAbstract_lbl.458835.190569.308743" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneLeverageCapitalAbstract_lbl.458835.190569.308743" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneLeverageCapitalAbstract_lbl.458835.190569.308743">Summarized regulatory capital ratio of company</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalAbstract.5312.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.11.6" xlink:to="us-gaap_TierOneLeverageCapitalAbstract_lbl.458836.190568.308744" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneLeverageCapitalAbstract_lbl.458836.190568.308744" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneLeverageCapitalAbstract_lbl.458836.190568.308744">Tier One Leverage Capital [Abstract]</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredForCapitalAdequacy.17533.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalRequiredForCapitalAdequacy.17533.11.8" xlink:to="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl.458865.190571.308745" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl.458865.190571.308745" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl.458865.190571.308745">Tier 1 Capital (To Average Assets), For Capital Adequacy Purposes Amount</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredForCapitalAdequacy.17533.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalRequiredForCapitalAdequacy.17533.11.6" xlink:to="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl.458866.190570.308746" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl.458866.190570.308746" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl.458866.190570.308746">Tier One Leverage Capital Required for Capital Adequacy</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.17536.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.17536.11.8" xlink:to="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_lbl.458867.190573.308747" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_lbl.458867.190573.308747" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_lbl.458867.190573.308747">Tier 1 Capital (To Average Assets), For Capital Adequacy Purposes Ratio</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.17536.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.17536.11.6" xlink:to="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_lbl.458868.190572.308748" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_lbl.458868.190572.308748" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_lbl.458868.190572.308748">Tier One Leverage Capital Required for Capital Adequacy to Average Assets</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredToBeWellCapitalized.17535.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalRequiredToBeWellCapitalized.17535.11.8" xlink:to="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl.458869.190575.308749" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl.458869.190575.308749" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl.458869.190575.308749">Tier 1 Capital (To Average Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredToBeWellCapitalized.17535.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalRequiredToBeWellCapitalized.17535.11.6" xlink:to="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl.458870.190574.308750" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl.458870.190574.308750" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl.458870.190574.308750">Tier One Leverage Capital Required to be Well Capitalized</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.17526.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.17526.11.8" xlink:to="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl.458871.190577.308751" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl.458871.190577.308751" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl.458871.190577.308751">Tier 1 Capital (To Average Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.17526.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.17526.11.6" xlink:to="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl.458872.190576.308752" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl.458872.190576.308752" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl.458872.190576.308752">Tier One Leverage Capital Required to be Well Capitalized to Average Assets</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalToAverageAssets.17528.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalToAverageAssets.17528.11.8" xlink:to="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl.458863.190579.308753" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl.458863.190579.308753" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl.458863.190579.308753">Tier 1 Capital (To Average Assets), Actual Ratio</link:label>
    <link:loc xlink:label="loc_TierOneLeverageCapitalToAverageAssets.17528.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneLeverageCapitalToAverageAssets.17528.11.6" xlink:to="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl.458864.190578.308754" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl.458864.190578.308754" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl.458864.190578.308754">Tier One Leverage Capital to Average Assets</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapital.17529.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapital" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapital.17529.11.8" xlink:to="us-gaap_TierOneRiskBasedCapital_lbl.458849.190581.308755" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneRiskBasedCapital_lbl.458849.190581.308755" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapital_lbl.458849.190581.308755">Tier 1 Capital (To Risk Weighted Assets), Actual Amount</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapital.17529.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapital" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapital.17529.11.6" xlink:to="us-gaap_TierOneRiskBasedCapital_lbl.458850.190580.308756" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneRiskBasedCapital_lbl.458850.190580.308756" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapital_lbl.458850.190580.308756">Tier One Risk Based Capital</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacy.17534.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacy.17534.11.8" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl.458853.190583.308757" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl.458853.190583.308757" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl.458853.190583.308757">Tier 1 Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Amount</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacy.17534.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacy.17534.11.6" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl.458854.190582.308758" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl.458854.190582.308758" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl.458854.190582.308758">Tier One Risk Based Capital Required for Capital Adequacy</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.17537.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.17537.11.8" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl.458855.190585.308759" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl.458855.190585.308759" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl.458855.190585.308759">Tier 1 Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Ratio</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.17537.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.17537.11.6" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl.458856.190584.308760" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl.458856.190584.308760" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl.458856.190584.308760">Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalized.17538.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalized.17538.11.8" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl.458857.190587.308761" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl.458857.190587.308761" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl.458857.190587.308761">Tier 1 Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalized.17538.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalized.17538.11.6" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl.458858.190586.308762" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl.458858.190586.308762" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl.458858.190586.308762">Tier One Risk Based Capital Required to be Well Capitalized</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.17532.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.17532.11.8" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl.458859.190589.308763" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl.458859.190589.308763" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl.458859.190589.308763">Tier 1 Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.17532.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.17532.11.6" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl.458860.190588.308764" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl.458860.190588.308764" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl.458860.190588.308764">Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalToRiskWeightedAssets.17531.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalToRiskWeightedAssets.17531.11.8" xlink:to="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl.458851.190591.308765" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl.458851.190591.308765" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl.458851.190591.308765">Tier 1 Capital (To Risk Weighted Assets), Actual Ratio</link:label>
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalToRiskWeightedAssets.17531.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TierOneRiskBasedCapitalToRiskWeightedAssets.17531.11.6" xlink:to="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl.458852.190590.308766" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl.458852.190590.308766" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl.458852.190590.308766">Tier One Risk Based Capital to Risk Weighted Assets</link:label>
    <link:loc xlink:label="loc_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.16463.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.16463.11.6" xlink:to="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_lbl.458469.191270.308767" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_lbl.458469.191270.308767" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_lbl.458469.191270.308767">Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.16463.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.16463.11.8" xlink:to="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_lbl.458470.191271.308768" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_lbl.458470.191271.308768" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_lbl.458470.191271.308768">Summarized Regulatory Capital Ratio</link:label>
    <link:loc xlink:label="loc_SegmentReportingAbstract.4989.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SegmentReportingAbstract.4989.11.6" xlink:to="us-gaap_SegmentReportingAbstract_lbl.458425.191220.308769" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_SegmentReportingAbstract_lbl.458425.191220.308769" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_SegmentReportingAbstract_lbl.458425.191220.308769">SEGMENT RESULTS [Abstract]</link:label>
    <link:loc xlink:label="loc_SegmentReportingDisclosureTextBlock.16757.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SegmentReportingDisclosureTextBlock.16757.11.6" xlink:to="us-gaap_SegmentReportingDisclosureTextBlock_lbl.458426.191221.308770" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_SegmentReportingDisclosureTextBlock_lbl.458426.191221.308770" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_SegmentReportingDisclosureTextBlock_lbl.458426.191221.308770">Segment Reporting Disclosure [Text Block]</link:label>
    <link:loc xlink:label="loc_SegmentReportingDisclosureTextBlock.16757.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SegmentReportingDisclosureTextBlock.16757.11.8" xlink:to="us-gaap_SegmentReportingDisclosureTextBlock_lbl.458427.191222.308771" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_SegmentReportingDisclosureTextBlock_lbl.458427.191222.308771" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_SegmentReportingDisclosureTextBlock_lbl.458427.191222.308771">SEGMENT RESULTS</link:label>
    <link:loc xlink:label="loc_ScheduleOfSegmentReportingInformationBySegmentTextBlock.16522.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfSegmentReportingInformationBySegmentTextBlock.16522.11.6" xlink:to="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_lbl.458471.191272.308794" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_lbl.458471.191272.308794" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_lbl.458471.191272.308794">Schedule of Segment Reporting Information, by Segment [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfSegmentReportingInformationBySegmentTextBlock.16522.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfSegmentReportingInformationBySegmentTextBlock.16522.11.8" xlink:to="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_lbl.458472.191273.308795" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_lbl.458472.191273.308795" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_lbl.458472.191273.308795">Schedule of Segment Results</link:label>
    <link:loc xlink:label="loc_AccretionOfRedemptionDiscount.37656.11.6" xlink:href="asrv-20131231.xsd#asrv_AccretionOfRedemptionDiscount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccretionOfRedemptionDiscount.37656.11.6" xlink:to="lab_AccretionOfRedemptionDiscount.315403" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccretionOfRedemptionDiscount.315403" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AccretionOfRedemptionDiscount.315403">Accretion Of Redemption Discount</link:label>
    <link:loc xlink:label="loc_AccretionOfRedemptionDiscount.37656.11.52" xlink:href="asrv-20131231.xsd#asrv_AccretionOfRedemptionDiscount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccretionOfRedemptionDiscount.37656.11.52" xlink:to="lab_AccretionOfRedemptionDiscount.315406" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccretionOfRedemptionDiscount.315406" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_AccretionOfRedemptionDiscount.315406">Accretion of preferred stock discount</link:label>
    <link:loc xlink:label="loc_AccretionOfRedemptionDiscount.37656.11.12" xlink:href="asrv-20131231.xsd#asrv_AccretionOfRedemptionDiscount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccretionOfRedemptionDiscount.37656.11.12" xlink:to="lab_AccretionOfRedemptionDiscount.315405" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccretionOfRedemptionDiscount.315405" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AccretionOfRedemptionDiscount.315405">Accretion of redemption or discount for preferred stock.</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeMember.466.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeMember.466.11.7" xlink:to="lab_AccumulatedOtherComprehensiveIncomeMembe.403585.308805" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveIncomeMembe.403585.308805" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveIncomeMembe.403585.308805">Accumulated Other Comprehensive Loss, Net [Member]</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeMember.466.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeMember.466.11.6" xlink:to="lab_AccumulatedOtherComprehensiveIncomeMember.610" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveIncomeMember.610" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveIncomeMember.610">Accumulated Other Comprehensive Income (Loss) [Member]</link:label>
    <link:loc xlink:label="loc_AdditionalPaidInCapitalMember.485.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdditionalPaidInCapitalMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AdditionalPaidInCapitalMember.485.11.6" xlink:to="lab_AdditionalPaidInCapitalMember.218380.308803" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AdditionalPaidInCapitalMember.218380.308803" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AdditionalPaidInCapitalMember.218380.308803">Capital Surplus [Member]</link:label>
    <link:loc xlink:label="loc_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.5843.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.5843.11.6" xlink:to="lab_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.718" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.718" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.718">Adjustments to Additional Paid in Capital, Share-based Compensation and Exercise of Stock Options</link:label>
    <link:loc xlink:label="loc_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.5843.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.5843.11.7" xlink:to="lab_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.218388.308813" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.218388.308813" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.218388.308813">Stock option expense</link:label>
    <link:loc xlink:label="loc_CommonStockMember.1087.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommonStockMember.1087.11.6" xlink:to="lab_CommonStockMember.2694.308801" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommonStockMember.2694.308801" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CommonStockMember.2694.308801">Common Stock [Member]</link:label>
    <link:loc xlink:label="loc_DividendsCommonStockCash.9006.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendsCommonStockCash" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendsCommonStockCash.9006.11.6" xlink:to="lab_DividendsCommonStockCash.5552" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DividendsCommonStockCash.5552" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DividendsCommonStockCash.5552">Dividends, Common Stock, Cash</link:label>
    <link:loc xlink:label="loc_DividendsPreferredStockCash.9002.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendsPreferredStockCash" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendsPreferredStockCash.9002.11.6" xlink:to="lab_DividendsPreferredStockCash.5544" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DividendsPreferredStockCash.5544" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DividendsPreferredStockCash.5544">Dividends, Preferred Stock, Cash</link:label>
    <link:loc xlink:label="loc_DividendsPreferredStockCash.9002.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendsPreferredStockCash" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendsPreferredStockCash.9002.11.52" xlink:to="lab_DividendsPreferredStockCash42.218390.308815" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DividendsPreferredStockCash42.218390.308815" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_DividendsPreferredStockCash42.218390.308815">Cash dividend declared on preferred stock</link:label>
    <link:loc xlink:label="loc_EquityComponentDomain.1873.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EquityComponentDomain.1873.11.6" xlink:to="lab_EquityComponentDomain.5824.308818" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EquityComponentDomain.5824.308818" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EquityComponentDomain.5824.308818">Equity Component [Domain]</link:label>
    <link:loc xlink:label="loc_NetIncomeLoss.13265.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetIncomeLoss.13265.11.7" xlink:to="lab_NetIncomeLoss.218335.308814" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetIncomeLoss.218335.308814" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NetIncomeLoss.218335.308814">Net income</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.11.7" xlink:to="lab_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.218391.308816" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.218391.308816" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.218391.308816">Other comprehensive income (loss)</link:label>
    <link:loc xlink:label="loc_PreferredStockMember.4097.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockMember.4097.11.6" xlink:to="lab_PreferredStockMember.14109.308800" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockMember.14109.308800" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockMember.14109.308800">Preferred Stock [Member]</link:label>
    <link:loc xlink:label="loc_RetainedEarningsMember.4652.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RetainedEarningsMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RetainedEarningsMember.4652.11.6" xlink:to="lab_RetainedEarningsMember.16154.308804" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RetainedEarningsMember.16154.308804" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RetainedEarningsMember.16154.308804">Retained Earnings [Member]</link:label>
    <link:loc xlink:label="loc_StatementEquityComponentsAxis.5169.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StatementEquityComponentsAxis.5169.11.6" xlink:to="lab_StatementEquityComponentsAxis.17875.308806" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StatementEquityComponentsAxis.17875.308806" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StatementEquityComponentsAxis.17875.308806">Equity Components [Axis]</link:label>
    <link:loc xlink:label="loc_StatementLineItems.5164.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StatementLineItems.5164.11.6" xlink:to="lab_StatementLineItems.17869.308807" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StatementLineItems.17869.308807" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StatementLineItems.17869.308807">Statement [Line Items]</link:label>
    <link:loc xlink:label="loc_StatementOfStockholdersEquityAbstract.5166.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfStockholdersEquityAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StatementOfStockholdersEquityAbstract.5166.11.6" xlink:to="lab_StatementOfStockholdersEquityAbstract.218395.308799" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StatementOfStockholdersEquityAbstract.218395.308799" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StatementOfStockholdersEquityAbstract.218395.308799">CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY [Abstract]</link:label>
    <link:loc xlink:label="loc_StockholdersEquity.17302.11.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockholdersEquity.17302.11.10" xlink:to="lab_StockholdersEquity.218381.308808" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockholdersEquity.218381.308808" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockholdersEquity.218381.308808">Balance</link:label>
    <link:loc xlink:label="loc_StockholdersEquity.17302.11.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockholdersEquity.17302.11.11" xlink:to="lab_StockholdersEquity.218393.308817" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockholdersEquity.218393.308817" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockholdersEquity.218393.308817">Balance</link:label>
    <link:loc xlink:label="loc_StockIssuedDuringPeriodValueDividendReinvestmentPlan.17216.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockIssuedDuringPeriodValueDividendReinvestmentPlan.17216.11.6" xlink:to="lab_StockIssuedDuringPeriodValueDividendReinvestmentPlan.18614" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockIssuedDuringPeriodValueDividendReinvestmentPlan.18614" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StockIssuedDuringPeriodValueDividendReinvestmentPlan.18614">Stock Issued During Period, Value, Dividend Reinvestment Plan</link:label>
    <link:loc xlink:label="loc_StockIssuedDuringPeriodValueDividendReinvestmentPlan.17216.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockIssuedDuringPeriodValueDividendReinvestmentPlan.17216.11.7" xlink:to="lab_StockIssuedDuringPeriodValueDividendReinvestmentPlan.218384.308810" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockIssuedDuringPeriodValueDividendReinvestmentPlan.218384.308810" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockIssuedDuringPeriodValueDividendReinvestmentPlan.218384.308810">New common shares issued for exercise of stock options</link:label>
    <link:loc xlink:label="loc_TreasuryStockMember.5367.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TreasuryStockMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TreasuryStockMember.5367.11.6" xlink:to="lab_TreasuryStockMember.18656.308802" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TreasuryStockMember.18656.308802" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TreasuryStockMember.18656.308802">Treasury Stock [Member]</link:label>
    <link:loc xlink:label="loc_TreasuryStockValueAcquiredCostMethod.17702.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TreasuryStockValueAcquiredCostMethod.17702.11.6" xlink:to="lab_TreasuryStockValueAcquiredCostMethod.19354" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TreasuryStockValueAcquiredCostMethod.19354" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TreasuryStockValueAcquiredCostMethod.19354">Treasury Stock, Value, Acquired, Cost Method</link:label>
    <link:loc xlink:label="loc_TreasuryStockValueAcquiredCostMethod.17702.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TreasuryStockValueAcquiredCostMethod.17702.11.52" xlink:to="lab_TreasuryStockValueAcquiredCostMethod46.218386.308812" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TreasuryStockValueAcquiredCostMethod46.218386.308812" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_TreasuryStockValueAcquiredCostMethod46.218386.308812">Treasury stock, purchased at cost (384,000, 1,757,800 and 287,400 shares, respectively)</link:label>
    <link:loc xlink:label="loc_WarrantRepurchase.36885.11.6" xlink:href="asrv-20131231.xsd#asrv_WarrantRepurchase" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WarrantRepurchase.36885.11.6" xlink:to="lab_WarrantRepurchase.218369.308796" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_WarrantRepurchase.218369.308796" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_WarrantRepurchase.218369.308796">Warrant Repurchase</link:label>
    <link:loc xlink:label="loc_WarrantRepurchase.36885.11.12" xlink:href="asrv-20131231.xsd#asrv_WarrantRepurchase" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WarrantRepurchase.36885.11.12" xlink:to="lab_WarrantRepurchase12.218371.308797" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_WarrantRepurchase12.218371.308797" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_WarrantRepurchase12.218371.308797">Warrant Repurchase.</link:label>
    <link:loc xlink:label="loc_WarrantRepurchase.36885.11.52" xlink:href="asrv-20131231.xsd#asrv_WarrantRepurchase" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WarrantRepurchase.36885.11.52" xlink:to="lab_WarrantRepurchase42.218389.308798" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_WarrantRepurchase42.218389.308798" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_WarrantRepurchase42.218389.308798">TARP warrant repurchase (1,312,500 shares)</link:label>
    <link:loc xlink:label="loc_DividendsCommonStockCash.9006.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendsCommonStockCash" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendsCommonStockCash.9006.11.52" xlink:to="us-gaap_DividendsCommonStockCash_lbl.484330.368849" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DividendsCommonStockCash_lbl.484330.368849" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_DividendsCommonStockCash_lbl.484330.368849">Cash dividend declared on common stock</link:label>
    <link:loc xlink:label="loc_RepurchaseOfWarrantsShares.36886.11.6" xlink:href="asrv-20131231.xsd#asrv_RepurchaseOfWarrantsShares" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RepurchaseOfWarrantsShares.36886.11.6" xlink:to="lab_RepurchaseOfWarrantsShares.212371.308819" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RepurchaseOfWarrantsShares.212371.308819" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RepurchaseOfWarrantsShares.212371.308819">Repurchase Of Warrants Shares</link:label>
    <link:loc xlink:label="loc_RepurchaseOfWarrantsShares.36886.11.12" xlink:href="asrv-20131231.xsd#asrv_RepurchaseOfWarrantsShares" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RepurchaseOfWarrantsShares.36886.11.12" xlink:to="lab_RepurchaseOfWarrantsShares12.212373.308820" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RepurchaseOfWarrantsShares12.212373.308820" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_RepurchaseOfWarrantsShares12.212373.308820">Repurchase Of Warrants, Shares.</link:label>
    <link:loc xlink:label="loc_RepurchaseOfWarrantsShares.36886.11.7" xlink:href="asrv-20131231.xsd#asrv_RepurchaseOfWarrantsShares" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RepurchaseOfWarrantsShares.36886.11.7" xlink:to="lab_RepurchaseOfWarrantsShares7.212376.308821" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RepurchaseOfWarrantsShares7.212376.308821" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_RepurchaseOfWarrantsShares7.212376.308821">Warrants repurchased, shares</link:label>
    <link:loc xlink:label="loc_TreasuryStockSharesAcquired.17705.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TreasuryStockSharesAcquired" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TreasuryStockSharesAcquired.17705.11.6" xlink:to="lab_TreasuryStockSharesAcquired.19357" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TreasuryStockSharesAcquired.19357" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TreasuryStockSharesAcquired.19357">Treasury Stock, Shares, Acquired</link:label>
    <link:loc xlink:label="loc_TreasuryStockSharesAcquired.17705.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TreasuryStockSharesAcquired" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TreasuryStockSharesAcquired.17705.11.7" xlink:to="lab_TreasuryStockSharesAcquired.218399.308823" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TreasuryStockSharesAcquired.218399.308823" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TreasuryStockSharesAcquired.218399.308823">Treasury stock, purchased at cost, shares</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsAbstract.938.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsAbstract.938.11.6" xlink:to="lab_CashAndCashEquivalentsAbstract.210409.308824" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndCashEquivalentsAbstract.210409.308824" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsAbstract.210409.308824">CASH AND DUE FROM DEPOSITORY INSTITUTIONS [Abstract]</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsDisclosureTextBlock.6840.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsDisclosureTextBlock.6840.11.6" xlink:to="lab_CashAndCashEquivalentsDisclosureTextBlock.2319" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndCashEquivalentsDisclosureTextBlock.2319" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsDisclosureTextBlock.2319">Cash and Cash Equivalents Disclosure [Text Block]</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsDisclosureTextBlock.6840.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsDisclosureTextBlock.6840.11.7" xlink:to="lab_CashAndCashEquivalentsDisclosureTextBlock7.210410.308825" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndCashEquivalentsDisclosureTextBlock7.210410.308825" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsDisclosureTextBlock7.210410.308825">CASH AND DUE FROM DEPOSITORY INSTITUTIONS</link:label>
    <link:loc xlink:label="loc_DepositLiabilitiesDisclosuresTextBlock.8315.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositLiabilitiesDisclosuresTextBlock.8315.11.6" xlink:to="lab_DepositLiabilitiesDisclosuresTextBlock.4622" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositLiabilitiesDisclosuresTextBlock.4622" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DepositLiabilitiesDisclosuresTextBlock.4622">Deposit Liabilities Disclosures [Text Block]</link:label>
    <link:loc xlink:label="loc_DepositLiabilitiesDisclosuresTextBlock.8315.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositLiabilitiesDisclosuresTextBlock.8315.11.7" xlink:to="lab_DepositLiabilitiesDisclosuresTextBlock.218648.308827" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositLiabilitiesDisclosuresTextBlock.218648.308827" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DepositLiabilitiesDisclosuresTextBlock.218648.308827">DEPOSITS</link:label>
    <link:loc xlink:label="loc_DepositsAbstract.1530.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsAbstract.1530.11.6" xlink:to="lab_DepositsAbstract.218650.308826" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsAbstract.218650.308826" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DepositsAbstract.218650.308826">DEPOSITS [Abstract]</link:label>
    <link:loc xlink:label="loc_ShortTermBorrowingsAbstract.5100.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermBorrowingsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermBorrowingsAbstract.5100.11.6" xlink:to="lab_ShortTermBorrowingsAbstract.218652.308828" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermBorrowingsAbstract.218652.308828" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermBorrowingsAbstract.218652.308828">SHORT-TERM BORROWINGS [Abstract]</link:label>
    <link:loc xlink:label="loc_ShortTermDebtTextBlock.17078.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtTextBlock.17078.11.6" xlink:to="lab_ShortTermDebtTextBlock.18385" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermDebtTextBlock.18385" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermDebtTextBlock.18385">Short-term Debt [Text Block]</link:label>
    <link:loc xlink:label="loc_ShortTermDebtTextBlock.17078.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtTextBlock.17078.11.7" xlink:to="lab_ShortTermDebtTextBlock7.218653.308829" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermDebtTextBlock7.218653.308829" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermDebtTextBlock7.218653.308829">SHORT-TERM BORROWINGS</link:label>
    <link:loc xlink:label="loc_LongTermDebtAbstract.3212.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebtAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LongTermDebtAbstract.3212.11.6" xlink:to="lab_LongTermDebtAbstract.215534.308830" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LongTermDebtAbstract.215534.308830" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LongTermDebtAbstract.215534.308830">ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES [Abstract]</link:label>
    <link:loc xlink:label="loc_LongTermDebtTextBlock.12723.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebtTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LongTermDebtTextBlock.12723.11.6" xlink:to="lab_LongTermDebtTextBlock.11383" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LongTermDebtTextBlock.11383" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LongTermDebtTextBlock.11383">Long-term Debt [Text Block]</link:label>
    <link:loc xlink:label="loc_LongTermDebtTextBlock.12723.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebtTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LongTermDebtTextBlock.12723.11.7" xlink:to="lab_LongTermDebtTextBlock7.218655.308831" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LongTermDebtTextBlock7.218655.308831" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LongTermDebtTextBlock7.218655.308831">ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES</link:label>
    <link:loc xlink:label="loc_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract.36887.11.6" xlink:href="asrv-20131231.xsd#asrv_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract.36887.11.6" xlink:to="lab_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract.218698.308833" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract.218698.308833" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract.218698.308833">DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]</link:label>
    <link:loc xlink:label="loc_FinancialInstrumentsDisclosureTextBlock.10186.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancialInstrumentsDisclosureTextBlock.10186.11.6" xlink:to="lab_FinancialInstrumentsDisclosureTextBlock.7429" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancialInstrumentsDisclosureTextBlock.7429" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancialInstrumentsDisclosureTextBlock.7429">Financial Instruments Disclosure [Text Block]</link:label>
    <link:loc xlink:label="loc_FinancialInstrumentsDisclosureTextBlock.10186.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancialInstrumentsDisclosureTextBlock.10186.11.7" xlink:to="lab_FinancialInstrumentsDisclosureTextBlock.218662.308834" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancialInstrumentsDisclosureTextBlock.218662.308834" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancialInstrumentsDisclosureTextBlock.218662.308834">DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS</link:label>
    <link:loc xlink:label="loc_IncomeTaxDisclosureAbstract.2654.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.11.6" xlink:to="lab_IncomeTaxDisclosureAbstract.218663.308835" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeTaxDisclosureAbstract.218663.308835" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxDisclosureAbstract.218663.308835">INCOME TAXES [Abstract]</link:label>
    <link:loc xlink:label="loc_IncomeTaxDisclosureTextBlock.11115.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxDisclosureTextBlock.11115.11.6" xlink:to="lab_IncomeTaxDisclosureTextBlock.8905" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeTaxDisclosureTextBlock.8905" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxDisclosureTextBlock.8905">Income Tax Disclosure [Text Block]</link:label>
    <link:loc xlink:label="loc_IncomeTaxDisclosureTextBlock.11115.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxDisclosureTextBlock.11115.11.7" xlink:to="lab_IncomeTaxDisclosureTextBlock.218664.308836" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeTaxDisclosureTextBlock.218664.308836" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxDisclosureTextBlock.218664.308836">INCOME TAXES</link:label>
    <link:loc xlink:label="loc_LeasesOfLesseeDisclosureTextBlock.12083.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LeasesOfLesseeDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LeasesOfLesseeDisclosureTextBlock.12083.11.6" xlink:to="lab_LeasesOfLesseeDisclosureTextBlock.10434" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LeasesOfLesseeDisclosureTextBlock.10434" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LeasesOfLesseeDisclosureTextBlock.10434">Leases of Lessee Disclosure [Text Block]</link:label>
    <link:loc xlink:label="loc_LeasesOfLesseeDisclosureTextBlock.12083.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LeasesOfLesseeDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LeasesOfLesseeDisclosureTextBlock.12083.11.7" xlink:to="lab_LeasesOfLesseeDisclosureTextBlock7.218668.308838" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LeasesOfLesseeDisclosureTextBlock7.218668.308838" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LeasesOfLesseeDisclosureTextBlock7.218668.308838">LEASE COMMITMENTS</link:label>
    <link:loc xlink:label="loc_LeasesOperatingAbstract.3036.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LeasesOperatingAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LeasesOperatingAbstract.3036.11.6" xlink:to="lab_LeasesOperatingAbstract.216967.308837" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LeasesOperatingAbstract.216967.308837" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LeasesOperatingAbstract.216967.308837">LEASE COMMITMENTS Abstract]</link:label>
    <link:loc xlink:label="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.11.6" xlink:to="lab_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.217171.308839" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.217171.308839" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.217171.308839">STOCK COMPENSATION PLANS [Abstract]</link:label>
    <link:loc xlink:label="loc_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock.8793.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock.8793.11.6" xlink:to="lab_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock.5242" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock.5242" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock.5242">Disclosure of Compensation Related Costs, Share-based Payments [Text Block]</link:label>
    <link:loc xlink:label="loc_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock.8793.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock.8793.11.7" xlink:to="lab_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock7.218673.308840" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock7.218673.308840" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock7.218673.308840">STOCK COMPENSATION PLANS</link:label>
    <link:loc xlink:label="loc_GoodwillAndIntangibleAssetsDisclosureAbstract.2496.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GoodwillAndIntangibleAssetsDisclosureAbstract.2496.11.6" xlink:to="lab_GoodwillAndIntangibleAssetsDisclosureAbstract.218677.308846" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GoodwillAndIntangibleAssetsDisclosureAbstract.218677.308846" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_GoodwillAndIntangibleAssetsDisclosureAbstract.218677.308846">INTANGIBLE ASSETS [Abstract]</link:label>
    <link:loc xlink:label="loc_GoodwillAndIntangibleAssetsDisclosureTextBlock.10734.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GoodwillAndIntangibleAssetsDisclosureTextBlock.10734.11.6" xlink:to="lab_GoodwillAndIntangibleAssetsDisclosureTextBlock.8279" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GoodwillAndIntangibleAssetsDisclosureTextBlock.8279" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_GoodwillAndIntangibleAssetsDisclosureTextBlock.8279">Goodwill and Intangible Assets Disclosure [Text Block]</link:label>
    <link:loc xlink:label="loc_GoodwillAndIntangibleAssetsDisclosureTextBlock.10734.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GoodwillAndIntangibleAssetsDisclosureTextBlock.10734.11.7" xlink:to="lab_GoodwillAndIntangibleAssetsDisclosureTextBlock.218678.308847" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GoodwillAndIntangibleAssetsDisclosureTextBlock.218678.308847" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_GoodwillAndIntangibleAssetsDisclosureTextBlock.218678.308847">INTANGIBLE ASSETS</link:label>
    <link:loc xlink:label="loc_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract.1569.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract.1569.11.6" xlink:to="lab_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract.217488.308848" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract.217488.308848" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract.217488.308848">DERIVATIVE HEDGING INSTRUMENTS [Abstract]</link:label>
    <link:loc xlink:label="loc_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock.8431.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock.8431.11.6" xlink:to="lab_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock.4799" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock.4799" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock.4799">Derivative Instruments and Hedging Activities Disclosure [Text Block]</link:label>
    <link:loc xlink:label="loc_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock.8431.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock.8431.11.7" xlink:to="lab_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock.218679.308849" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock.218679.308849" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock.218679.308849">DERIVATIVE HEDGING INSTRUMENTS</link:label>
    <link:loc xlink:label="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.1150.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.1150.11.6" xlink:to="lab_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.217634.308850" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.217634.308850" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.217634.308850">PARENT COMPANY FINANCIAL INFORMATION [Abstract]</link:label>
    <link:loc xlink:label="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock.7228.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock.7228.11.6" xlink:to="lab_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock.3003" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock.3003" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock.3003">Condensed Financial Information of Parent Company Only Disclosure [Text Block]</link:label>
    <link:loc xlink:label="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock.7228.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock.7228.11.7" xlink:to="lab_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock.218688.308851" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock.218688.308851" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock.218688.308851">PARENT COMPANY FINANCIAL INFORMATION</link:label>
    <link:loc xlink:label="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_QuarterlyFinancialInformationDisclosureAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.11.6" xlink:to="lab_QuarterlyFinancialInformationDisclosureAbstract.217766.308852" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_QuarterlyFinancialInformationDisclosureAbstract.217766.308852" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_QuarterlyFinancialInformationDisclosureAbstract.217766.308852">SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA [Abstract]</link:label>
    <link:loc xlink:label="loc_QuarterlyFinancialInformationTextBlock.15399.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_QuarterlyFinancialInformationTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_QuarterlyFinancialInformationTextBlock.15399.11.6" xlink:to="lab_QuarterlyFinancialInformationTextBlock.15712" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_QuarterlyFinancialInformationTextBlock.15712" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_QuarterlyFinancialInformationTextBlock.15712">Quarterly Financial Information [Text Block]</link:label>
    <link:loc xlink:label="loc_QuarterlyFinancialInformationTextBlock.15399.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_QuarterlyFinancialInformationTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_QuarterlyFinancialInformationTextBlock.15399.11.7" xlink:to="lab_QuarterlyFinancialInformationTextBlock7.218690.308853" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_QuarterlyFinancialInformationTextBlock7.218690.308853" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_QuarterlyFinancialInformationTextBlock7.218690.308853">SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentAbstract.4266.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentAbstract.4266.11.6" xlink:to="lab_PropertyPlantAndEquipmentAbstract.212238.308854" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentAbstract.212238.308854" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentAbstract.212238.308854">PREMISES AND EQUIPMENT [Abstract]</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentDisclosureTextBlock.15230.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentDisclosureTextBlock.15230.11.6" xlink:to="lab_PropertyPlantAndEquipmentDisclosureTextBlock.15449" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentDisclosureTextBlock.15449" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentDisclosureTextBlock.15449">Property, Plant and Equipment Disclosure [Text Block]</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentDisclosureTextBlock.15230.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentDisclosureTextBlock.15230.11.7" xlink:to="lab_PropertyPlantAndEquipmentDisclosureTextBlock.218647.308855" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentDisclosureTextBlock.218647.308855" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentDisclosureTextBlock.218647.308855">PREMISES AND EQUIPMENT</link:label>
    <link:loc xlink:label="loc_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.16448.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.16448.11.6" xlink:to="lab_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.16715.191393.307774" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.16715.191393.307774" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.16715.191393.307774">Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock.16413.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock.16413.11.6" xlink:to="lab_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock.17322.308305" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock.17322.308305" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock.17322.308305">Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock.16413.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock.16413.11.7" xlink:to="lab_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock.403654.308856" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock.403654.308856" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock.403654.308856">Earnings Per Share</link:label>
    <link:loc xlink:label="loc_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.16448.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.16448.11.7" xlink:to="ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.511835.191396.307777" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.511835.191396.307777" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.511835.191396.307777">Schedule of Changes in Each Component of Accumulated Other Comprehensive Loss</link:label>
    <link:loc xlink:label="loc_BusinessAndNatureOfOperationsPolicyPolicyTextBlock.36890.11.6" xlink:href="asrv-20131231.xsd#asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BusinessAndNatureOfOperationsPolicyPolicyTextBlock.36890.11.6" xlink:to="lab_BusinessAndNatureOfOperationsPolicyPolicyTextBlock.218687.308857" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BusinessAndNatureOfOperationsPolicyPolicyTextBlock.218687.308857" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_BusinessAndNatureOfOperationsPolicyPolicyTextBlock.218687.308857">Business And Nature Of Operations Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_BusinessAndNatureOfOperationsPolicyPolicyTextBlock.36890.11.12" xlink:href="asrv-20131231.xsd#asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BusinessAndNatureOfOperationsPolicyPolicyTextBlock.36890.11.12" xlink:to="lab_BusinessAndNatureOfOperationsPolicyPolicyTextBlock12.218706.308858" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BusinessAndNatureOfOperationsPolicyPolicyTextBlock12.218706.308858" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_BusinessAndNatureOfOperationsPolicyPolicyTextBlock12.218706.308858">Business And Nature Of Operations, Policy [Policy Text Block].</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsPolicyTextBlock.6844.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsPolicyTextBlock.6844.11.6" xlink:to="lab_CashAndCashEquivalentsPolicyTextBlock.2332" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndCashEquivalentsPolicyTextBlock.2332" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsPolicyTextBlock.2332">Cash and Cash Equivalents, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsPolicyTextBlock.6844.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsPolicyTextBlock.6844.11.7" xlink:to="lab_CashAndCashEquivalentsPolicyTextBlock.218738.308875" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndCashEquivalentsPolicyTextBlock.218738.308875" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsPolicyTextBlock.218738.308875">CONSOLIDATED STATEMENT OF CASH FLOWS</link:label>
    <link:loc xlink:label="loc_ComprehensiveIncomePolicyPolicyTextBlock.7189.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomePolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ComprehensiveIncomePolicyPolicyTextBlock.7189.11.7" xlink:to="lab_ComprehensiveIncomePolicyPolicyTextBlock.218739.308874" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ComprehensiveIncomePolicyPolicyTextBlock.218739.308874" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ComprehensiveIncomePolicyPolicyTextBlock.218739.308874">ACCUMULATED OTHER COMPREHENSIVE LOSS</link:label>
    <link:loc xlink:label="loc_ComprehensiveIncomePolicyPolicyTextBlock.7189.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomePolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ComprehensiveIncomePolicyPolicyTextBlock.7189.11.6" xlink:to="lab_ComprehensiveIncomePolicyPolicyTextBlock.459062.191235.307784" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ComprehensiveIncomePolicyPolicyTextBlock.459062.191235.307784" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ComprehensiveIncomePolicyPolicyTextBlock.459062.191235.307784">Comprehensive Income, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_ConsolidationPolicyTextBlock.7232.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsolidationPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ConsolidationPolicyTextBlock.7232.11.6" xlink:to="lab_ConsolidationPolicyTextBlock.3017" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ConsolidationPolicyTextBlock.3017" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ConsolidationPolicyTextBlock.3017">Consolidation, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_ConsolidationPolicyTextBlock.7232.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsolidationPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ConsolidationPolicyTextBlock.7232.11.7" xlink:to="lab_ConsolidationPolicyTextBlock.218753.308863" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ConsolidationPolicyTextBlock.218753.308863" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ConsolidationPolicyTextBlock.218753.308863">PRINCIPLES OF CONSOLIDATION</link:label>
    <link:loc xlink:label="loc_DerivativesPolicyTextBlock.8551.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativesPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativesPolicyTextBlock.8551.11.7" xlink:to="lab_DerivativesPolicyTextBlock.218736.308877" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativesPolicyTextBlock.218736.308877" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DerivativesPolicyTextBlock.218736.308877">INTEREST RATE CONTRACTS</link:label>
    <link:loc xlink:label="loc_DerivativesPolicyTextBlock.8551.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativesPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativesPolicyTextBlock.8551.11.6" xlink:to="lab_DerivativesPolicyTextBlock.4967.307786" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativesPolicyTextBlock.4967.307786" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativesPolicyTextBlock.4967.307786">Derivatives, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_EarningsPerSharePolicyTextBlock.9080.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerSharePolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerSharePolicyTextBlock.9080.11.6" xlink:to="lab_EarningsPerSharePolicyTextBlock.5699" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarningsPerSharePolicyTextBlock.5699" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EarningsPerSharePolicyTextBlock.5699">Earnings Per Share, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_EarningsPerSharePolicyTextBlock.9080.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerSharePolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerSharePolicyTextBlock.9080.11.7" xlink:to="lab_EarningsPerSharePolicyTextBlock.218742.308872" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarningsPerSharePolicyTextBlock.218742.308872" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_EarningsPerSharePolicyTextBlock.218742.308872">EARNINGS PER COMMON SHARE</link:label>
    <link:loc xlink:label="loc_FairValueTransferPolicyPolicyTextBlock.9547.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueTransferPolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueTransferPolicyPolicyTextBlock.9547.11.6" xlink:to="lab_FairValueTransferPolicyPolicyTextBlock.6482" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueTransferPolicyPolicyTextBlock.6482" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FairValueTransferPolicyPolicyTextBlock.6482">Fair Value Transfer, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_FairValueTransferPolicyPolicyTextBlock.9547.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueTransferPolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueTransferPolicyPolicyTextBlock.9547.11.7" xlink:to="lab_FairValueTransferPolicyPolicyTextBlock.374742" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueTransferPolicyPolicyTextBlock.374742" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FairValueTransferPolicyPolicyTextBlock.374742">TRANSFERS OF FINANCIAL ASSETS</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankStockPolicyPolicyTextBlock.36891.11.6" xlink:href="asrv-20131231.xsd#asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankStockPolicyPolicyTextBlock.36891.11.6" xlink:to="lab_FederalHomeLoanBankStockPolicyPolicyTextBlock.218708.308860" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankStockPolicyPolicyTextBlock.218708.308860" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankStockPolicyPolicyTextBlock.218708.308860">Federal Home Loan Bank Stock, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankStockPolicyPolicyTextBlock.36891.11.12" xlink:href="asrv-20131231.xsd#asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankStockPolicyPolicyTextBlock.36891.11.12" xlink:to="lab_FederalHomeLoanBankStockPolicyPolicyTextBlock12.218709.308861" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankStockPolicyPolicyTextBlock12.218709.308861" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankStockPolicyPolicyTextBlock12.218709.308861">Federal Home Loan Bank Stock, Policy [Policy Text Block].</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankStockPolicyPolicyTextBlock.36891.11.7" xlink:href="asrv-20131231.xsd#asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankStockPolicyPolicyTextBlock.36891.11.7" xlink:to="lab_FederalHomeLoanBankStockPolicyPolicyTextBlock7.218751.308862" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankStockPolicyPolicyTextBlock7.218751.308862" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankStockPolicyPolicyTextBlock7.218751.308862">FEDERAL HOME LOAN BANK STOCK</link:label>
    <link:loc xlink:label="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.10093.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.10093.11.6" xlink:to="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.7294" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.7294" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.7294">Finance, Loan and Lease Receivables, Held-for-investment, Allowance and Nonperforming Loans, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.10093.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.10093.11.7" xlink:to="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.218710.308880" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.218710.308880" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.218710.308880">ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES</link:label>
    <link:loc xlink:label="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.10092.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.10092.11.6" xlink:to="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.7293" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.7293" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.7293">Finance, Loan and Lease Receivables, Held-for-investment, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.10092.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.10092.11.7" xlink:to="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.218755.308879" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.218755.308879" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.218755.308879">LOANS</link:label>
    <link:loc xlink:label="loc_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.10094.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.10094.11.6" xlink:to="lab_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.7295" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.7295" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.7295">Finance, Loan and Lease Receivables, Held-for-sale, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.10094.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.10094.11.7" xlink:to="lab_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.218712.308866" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.218712.308866" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.218712.308866">LOANS HELD FOR SALE</link:label>
    <link:loc xlink:label="loc_GoodwillAndIntangibleAssetsPolicyTextBlock.10726.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GoodwillAndIntangibleAssetsPolicyTextBlock.10726.11.6" xlink:to="lab_GoodwillAndIntangibleAssetsPolicyTextBlock.8264" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GoodwillAndIntangibleAssetsPolicyTextBlock.8264" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_GoodwillAndIntangibleAssetsPolicyTextBlock.8264">Goodwill and Intangible Assets, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_GoodwillAndIntangibleAssetsPolicyTextBlock.10726.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GoodwillAndIntangibleAssetsPolicyTextBlock.10726.11.7" xlink:to="lab_GoodwillAndIntangibleAssetsPolicyTextBlock.218743.308871" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GoodwillAndIntangibleAssetsPolicyTextBlock.218743.308871" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_GoodwillAndIntangibleAssetsPolicyTextBlock.218743.308871">INTANGIBLE ASSETS</link:label>
    <link:loc xlink:label="loc_IncomeTaxPolicyTextBlock.11196.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxPolicyTextBlock.11196.11.7" xlink:to="lab_IncomeTaxPolicyTextBlock.218737.308876" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeTaxPolicyTextBlock.218737.308876" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxPolicyTextBlock.218737.308876">INCOME TAXES</link:label>
    <link:loc xlink:label="loc_IncomeTaxPolicyTextBlock.11196.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxPolicyTextBlock.11196.11.6" xlink:to="lab_IncomeTaxPolicyTextBlock.9035.307787" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeTaxPolicyTextBlock.9035.307787" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxPolicyTextBlock.9035.307787">Income Tax, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_InvestmentPolicyTextBlock.11895.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentPolicyTextBlock.11895.11.6" xlink:to="lab_InvestmentPolicyTextBlock.10094" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InvestmentPolicyTextBlock.10094" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InvestmentPolicyTextBlock.10094">Investment, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_InvestmentPolicyTextBlock.11895.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentPolicyTextBlock.11895.11.7" xlink:to="lab_InvestmentPolicyTextBlock.218752.308864" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InvestmentPolicyTextBlock.218752.308864" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InvestmentPolicyTextBlock.218752.308864">INVESTMENT SECURITIES</link:label>
    <link:loc xlink:label="loc_LifeSettlementContractsPolicy.12329.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LifeSettlementContractsPolicy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LifeSettlementContractsPolicy.12329.11.6" xlink:to="lab_LifeSettlementContractsPolicy.10818" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LifeSettlementContractsPolicy.10818" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LifeSettlementContractsPolicy.10818">Life Settlement Contracts, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_LifeSettlementContractsPolicy.12329.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LifeSettlementContractsPolicy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LifeSettlementContractsPolicy.12329.11.7" xlink:to="lab_LifeSettlementContractsPolicy.218744.308870" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LifeSettlementContractsPolicy.218744.308870" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LifeSettlementContractsPolicy.218744.308870">BANK-OWNED LIFE INSURANCE</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy.12577.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy.12577.11.6" xlink:to="lab_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy.11150" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy.11150" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy.11150">Loans and Leases Receivable, Origination Fees, Discounts or Premiums, and Direct Costs to Acquire Loans Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy.12577.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy.12577.11.7" xlink:to="lab_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy.218711.308865" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy.218711.308865" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy.218711.308865">LOAN FEES</link:label>
    <link:loc xlink:label="loc_NewAccountingPronouncementsPolicyPolicyTextBlock.13302.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NewAccountingPronouncementsPolicyPolicyTextBlock.13302.11.6" xlink:to="lab_NewAccountingPronouncementsPolicyPolicyTextBlock.12393" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NewAccountingPronouncementsPolicyPolicyTextBlock.12393" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NewAccountingPronouncementsPolicyPolicyTextBlock.12393">New Accounting Pronouncements, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_NewAccountingPronouncementsPolicyPolicyTextBlock.13302.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NewAccountingPronouncementsPolicyPolicyTextBlock.13302.11.7" xlink:to="lab_NewAccountingPronouncementsPolicyPolicyTextBlock.218734.308878" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NewAccountingPronouncementsPolicyPolicyTextBlock.218734.308878" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NewAccountingPronouncementsPolicyPolicyTextBlock.218734.308878">RECENT ACCOUNTING STANDARDS</link:label>
    <link:loc xlink:label="loc_OffBalanceSheetCreditExposurePolicyPolicyTextBlock.13517.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OffBalanceSheetCreditExposurePolicyPolicyTextBlock.13517.11.6" xlink:to="lab_OffBalanceSheetCreditExposurePolicyPolicyTextBlock.12739" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OffBalanceSheetCreditExposurePolicyPolicyTextBlock.12739" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OffBalanceSheetCreditExposurePolicyPolicyTextBlock.12739">Off-Balance-Sheet Credit Exposure, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_OffBalanceSheetCreditExposurePolicyPolicyTextBlock.13517.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OffBalanceSheetCreditExposurePolicyPolicyTextBlock.13517.11.7" xlink:to="lab_OffBalanceSheetCreditExposurePolicyPolicyTextBlock.218749.308868" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OffBalanceSheetCreditExposurePolicyPolicyTextBlock.218749.308868" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OffBalanceSheetCreditExposurePolicyPolicyTextBlock.218749.308868">ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentPolicyTextBlock.15209.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentPolicyTextBlock.15209.11.6" xlink:to="lab_PropertyPlantAndEquipmentPolicyTextBlock.15408" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentPolicyTextBlock.15408" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentPolicyTextBlock.15408">Property, Plant and Equipment, Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentPolicyTextBlock.15209.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentPolicyTextBlock.15209.11.7" xlink:to="lab_PropertyPlantAndEquipmentPolicyTextBlock.218747.308867" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentPolicyTextBlock.218747.308867" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentPolicyTextBlock.218747.308867">PREMISES AND EQUIPMENT</link:label>
    <link:loc xlink:label="loc_BusinessAndNatureOfOperationsPolicyPolicyTextBlock.36890.11.7" xlink:href="asrv-20131231.xsd#asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BusinessAndNatureOfOperationsPolicyPolicyTextBlock.36890.11.7" xlink:to="lab_RegulatoryCapitalRequirementsUnderBankingRegulatioisBAD.218705.308859" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RegulatoryCapitalRequirementsUnderBankingRegulatioisBAD.218705.308859" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_RegulatoryCapitalRequirementsUnderBankingRegulatioisBAD.218705.308859">BUSINESS AND NATURE OF OPERATIONS</link:label>
    <link:loc xlink:label="loc_RevenueRecognitionServicesManagementFees.16141.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenueRecognitionServicesManagementFees" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RevenueRecognitionServicesManagementFees.16141.11.6" xlink:to="lab_RevenueRecognitionServicesManagementFees.16900" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RevenueRecognitionServicesManagementFees.16900" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RevenueRecognitionServicesManagementFees.16900">Revenue Recognition, Services, Management Fees [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_RevenueRecognitionServicesManagementFees.16141.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenueRecognitionServicesManagementFees" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RevenueRecognitionServicesManagementFees.16141.11.7" xlink:to="lab_RevenueRecognitionServicesManagementFees.218729.308869" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RevenueRecognitionServicesManagementFees.218729.308869" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_RevenueRecognitionServicesManagementFees.218729.308869">TRUST FEES</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationOptionAndIncentivePlansPolicy.16985.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationOptionAndIncentivePlansPolicy.16985.11.6" xlink:to="lab_ShareBasedCompensationOptionAndIncentivePlansPolicy.18244" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationOptionAndIncentivePlansPolicy.18244" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationOptionAndIncentivePlansPolicy.18244">Share-based Compensation, Option and Incentive Plans Policy [Policy Text Block]</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationOptionAndIncentivePlansPolicy.16985.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationOptionAndIncentivePlansPolicy.16985.11.7" xlink:to="lab_ShareBasedCompensationOptionAndIncentivePlansPolicy.218740.308873" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationOptionAndIncentivePlansPolicy.218740.308873" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationOptionAndIncentivePlansPolicy.218740.308873">STOCK-BASED COMPENSATION</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentTextBlock.15219.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentTextBlock.15219.11.6" xlink:to="lab_PropertyPlantAndEquipmentTextBlock.15430" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentTextBlock.15430" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentTextBlock.15430">Property, Plant and Equipment [Table Text Block]</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentTextBlock.15219.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentTextBlock.15219.11.7" xlink:to="lab_PropertyPlantAndEquipmentTextBlock.218944.308881" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentTextBlock.218944.308881" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentTextBlock.218944.308881">Schedule of Premises and Equipment</link:label>
    <link:loc xlink:label="loc_InterestIncomeAndInterestExpenseDisclosureTextBlock.11733.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeAndInterestExpenseDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestIncomeAndInterestExpenseDisclosureTextBlock.11733.11.6" xlink:to="lab_InterestIncomeAndInterestExpenseDisclosureTextBlock.9837" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestIncomeAndInterestExpenseDisclosureTextBlock.9837" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestIncomeAndInterestExpenseDisclosureTextBlock.9837">Interest Income and Interest Expense Disclosure [Text Block]</link:label>
    <link:loc xlink:label="loc_InterestIncomeAndInterestExpenseDisclosureTextBlock.11733.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeAndInterestExpenseDisclosureTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestIncomeAndInterestExpenseDisclosureTextBlock.11733.11.7" xlink:to="lab_InterestIncomeAndInterestExpenseDisclosureTextBlock7.218977.308891" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestIncomeAndInterestExpenseDisclosureTextBlock7.218977.308891" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestIncomeAndInterestExpenseDisclosureTextBlock7.218977.308891">Schedule of Interest Expense on Deposits</link:label>
    <link:loc xlink:label="loc_ScheduleOfDepositLiabilitiesTableTextBlock.36892.11.6" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfDepositLiabilitiesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfDepositLiabilitiesTableTextBlock.36892.11.6" xlink:to="lab_ScheduleOfDepositLiabilitiesTableTextBlock.218959.308882" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfDepositLiabilitiesTableTextBlock.218959.308882" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDepositLiabilitiesTableTextBlock.218959.308882">Schedule Of Deposit Liabilities [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfDepositLiabilitiesTableTextBlock.36892.11.12" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfDepositLiabilitiesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfDepositLiabilitiesTableTextBlock.36892.11.12" xlink:to="lab_ScheduleOfDepositLiabilitiesTableTextBlock12.218974.308883" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfDepositLiabilitiesTableTextBlock12.218974.308883" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDepositLiabilitiesTableTextBlock12.218974.308883">Schedule Of Deposit Liabilities [Table Text Block].</link:label>
    <link:loc xlink:label="loc_ScheduleOfDepositLiabilitiesTableTextBlock.36892.11.7" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfDepositLiabilitiesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfDepositLiabilitiesTableTextBlock.36892.11.7" xlink:to="lab_ScheduleOfDepositLiabilitiesTableTextBlock7.218976.308884" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfDepositLiabilitiesTableTextBlock7.218976.308884" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDepositLiabilitiesTableTextBlock7.218976.308884">Schedule of Balances of Deposits</link:label>
    <link:loc xlink:label="loc_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock.36894.11.6" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock.36894.11.6" xlink:to="lab_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock.218969.308888" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock.218969.308888" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock.218969.308888">Schedule Of Maturities Of Time Deposits Of One Hundred Thousand Or More [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock.36894.11.12" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock.36894.11.12" xlink:to="lab_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock12.218972.308889" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock12.218972.308889" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock12.218972.308889">Schedule of Maturities of Time Deposits of $100,000 or More [Table Text Block].</link:label>
    <link:loc xlink:label="loc_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock.36894.11.7" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock.36894.11.7" xlink:to="lab_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock7.218982.308890" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock7.218982.308890" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock7.218982.308890">Schedule of Maturities of Deposits of $100,000 or More</link:label>
    <link:loc xlink:label="loc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock.36893.11.6" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock.36893.11.6" xlink:to="lab_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock.218967.308885" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock.218967.308885" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock.218967.308885">Schedule Of Maturities Of Time Deposits [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock.36893.11.12" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock.36893.11.12" xlink:to="lab_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock12.218973.308886" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock12.218973.308886" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock12.218973.308886">Schedule Of Maturities Of Time Deposits [Table Text Block].</link:label>
    <link:loc xlink:label="loc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock.36893.11.7" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock.36893.11.7" xlink:to="lab_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock7.218979.308887" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock7.218979.308887" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock7.218979.308887">Schedule of Balances of Deposits of $100,000 or More</link:label>
    <link:loc xlink:label="loc_ScheduleOfShortTermDebtTextBlock.16589.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShortTermDebtTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfShortTermDebtTextBlock.16589.11.6" xlink:to="lab_ScheduleOfShortTermDebtTextBlock.17604" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfShortTermDebtTextBlock.17604" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfShortTermDebtTextBlock.17604">Schedule of Short-term Debt [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfShortTermDebtTextBlock.16589.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShortTermDebtTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfShortTermDebtTextBlock.16589.11.7" xlink:to="lab_ScheduleOfShortTermDebtTextBlock.218983.308892" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfShortTermDebtTextBlock.218983.308892" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfShortTermDebtTextBlock.218983.308892">Schedule of Balances and Related Information for Federal Funds Purchased and Other Short-term Borrowings</link:label>
    <link:loc xlink:label="loc_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock.16495.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock.16495.11.7" xlink:to="lab_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock.218990.308893" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock.218990.308893" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock.218990.308893">Schedule of Balances and Advances</link:label>
    <link:loc xlink:label="loc_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock.16495.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock.16495.11.6" xlink:to="us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock_lbl.458468.191268.308345" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock_lbl.458468.191268.308345" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock_lbl.458468.191268.308345">Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank [Table Text Block]</link:label>
    <link:loc xlink:label="loc_FairValueByBalanceSheetGroupingTextBlock.9796.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueByBalanceSheetGroupingTextBlock.9796.11.7" xlink:to="lab_FairValueByBalanceSheetGroupingTextBlock.218999.308895" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueByBalanceSheetGroupingTextBlock.218999.308895" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FairValueByBalanceSheetGroupingTextBlock.218999.308895">Schedule of Financial Instruments</link:label>
    <link:loc xlink:label="loc_FairValueByBalanceSheetGroupingTextBlock.9796.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueByBalanceSheetGroupingTextBlock.9796.11.6" xlink:to="us-gaap_FairValueByBalanceSheetGroupingTextBlock_lbl.458479.191278.308271" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueByBalanceSheetGroupingTextBlock_lbl.458479.191278.308271" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueByBalanceSheetGroupingTextBlock_lbl.458479.191278.308271">Fair Value, by Balance Sheet Grouping [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfChangesInDeferredTaxesTableTextBlock.36895.11.6" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfChangesInDeferredTaxesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfChangesInDeferredTaxesTableTextBlock.36895.11.6" xlink:to="lab_ScheduleOfChangesInDeferredTaxesTableTextBlock.219007.308896" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfChangesInDeferredTaxesTableTextBlock.219007.308896" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfChangesInDeferredTaxesTableTextBlock.219007.308896">Schedule Of Changes In Deferred Taxes [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfChangesInDeferredTaxesTableTextBlock.36895.11.12" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfChangesInDeferredTaxesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfChangesInDeferredTaxesTableTextBlock.36895.11.12" xlink:to="lab_ScheduleOfChangesInDeferredTaxesTableTextBlock12.219008.308897" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfChangesInDeferredTaxesTableTextBlock12.219008.308897" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfChangesInDeferredTaxesTableTextBlock12.219008.308897">Schedule Of Changes In Deferred Taxes [Table Text Block].</link:label>
    <link:loc xlink:label="loc_ScheduleOfChangesInDeferredTaxesTableTextBlock.36895.11.7" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfChangesInDeferredTaxesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfChangesInDeferredTaxesTableTextBlock.36895.11.7" xlink:to="lab_ScheduleOfChangesInDeferredTaxesTableTextBlock7.219014.308898" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfChangesInDeferredTaxesTableTextBlock7.219014.308898" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfChangesInDeferredTaxesTableTextBlock7.219014.308898">Schedule of Change in Net Deferred Tax Assets and Liabilities</link:label>
    <link:loc xlink:label="loc_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock.16361.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock.16361.11.6" xlink:to="lab_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock.17252" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock.17252" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock.17252">Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock.16361.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock.16361.11.7" xlink:to="lab_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock.219009.308901" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock.219009.308901" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock.219009.308901">Schedule of Expense for Income Taxes</link:label>
    <link:loc xlink:label="loc_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock.16381.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock.16381.11.6" xlink:to="lab_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock.17276" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock.17276" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock.17276">Schedule of Deferred Tax Assets and Liabilities [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock.16381.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock.16381.11.7" xlink:to="lab_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock.219013.308900" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock.219013.308900" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock.219013.308900">Schedule of Deferred Tax Assets and Liabilities</link:label>
    <link:loc xlink:label="loc_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock.16379.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock.16379.11.6" xlink:to="lab_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock.17274" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock.17274" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock.17274">Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock.16379.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock.16379.11.7" xlink:to="lab_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock.219011.308899" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock.219011.308899" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock.219011.308899">Schedule of Reconciliation Between Federal Statutory Tax Rate and Effective Income Tax Rate</link:label>
    <link:loc xlink:label="loc_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.16405.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.16405.11.6" xlink:to="lab_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.17308" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.17308" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.17308">Schedule of Future Minimum Rental Payments for Operating Leases [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.16405.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.16405.11.7" xlink:to="lab_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.219059.308902" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.219059.308902" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.219059.308902">Schedule of Future Minimum Payments on Operating Leases</link:label>
    <link:loc xlink:label="loc_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.16335.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.16335.11.6" xlink:to="lab_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.17223" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.17223" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.17223">Schedule of Share-based Compensation, Stock Options, Activity [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.16335.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.16335.11.7" xlink:to="lab_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.219064.308903" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.219064.308903" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.219064.308903">Schedule of Stock Incentive Plan Activity</link:label>
    <link:loc xlink:label="loc_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.16360.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.16360.11.6" xlink:to="lab_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.17251" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.17251" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.17251">Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.16360.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.16360.11.7" xlink:to="lab_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.219066.308904" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.219066.308904" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.219066.308904">Schedule of Assumptions</link:label>
    <link:loc xlink:label="loc_ScheduleOfDerivativeInstrumentsTextBlock.16485.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDerivativeInstrumentsTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfDerivativeInstrumentsTextBlock.16485.11.6" xlink:to="lab_ScheduleOfDerivativeInstrumentsTextBlock.17431" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfDerivativeInstrumentsTextBlock.17431" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDerivativeInstrumentsTextBlock.17431">Schedule of Derivative Instruments [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfDerivativeInstrumentsTextBlock.16485.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDerivativeInstrumentsTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfDerivativeInstrumentsTextBlock.16485.11.7" xlink:to="lab_ScheduleOfDerivativeInstrumentsTextBlock.219431.308906" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfDerivativeInstrumentsTextBlock.219431.308906" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDerivativeInstrumentsTextBlock.219431.308906">Schedule of Interest Rate Swaps</link:label>
    <link:loc xlink:label="loc_ScheduleOfCondensedBalanceSheetTableTextBlock.16369.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfCondensedBalanceSheetTableTextBlock.16369.11.6" xlink:to="lab_ScheduleOfCondensedBalanceSheetTableTextBlock.17261" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfCondensedBalanceSheetTableTextBlock.17261" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfCondensedBalanceSheetTableTextBlock.17261">Condensed Balance Sheet [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfCondensedBalanceSheetTableTextBlock.16369.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfCondensedBalanceSheetTableTextBlock.16369.11.7" xlink:to="lab_ScheduleOfCondensedBalanceSheetTableTextBlock.219437.308907" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfCondensedBalanceSheetTableTextBlock.219437.308907" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfCondensedBalanceSheetTableTextBlock.219437.308907">Balance Sheets</link:label>
    <link:loc xlink:label="loc_ScheduleOfCondensedCashFlowStatementTableTextBlock.16426.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfCondensedCashFlowStatementTableTextBlock.16426.11.6" xlink:to="lab_ScheduleOfCondensedCashFlowStatementTableTextBlock.17339" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfCondensedCashFlowStatementTableTextBlock.17339" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfCondensedCashFlowStatementTableTextBlock.17339">Condensed Cash Flow Statement [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfCondensedCashFlowStatementTableTextBlock.16426.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfCondensedCashFlowStatementTableTextBlock.16426.11.7" xlink:to="lab_ScheduleOfCondensedCashFlowStatementTableTextBlock.219439.308909" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfCondensedCashFlowStatementTableTextBlock.219439.308909" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfCondensedCashFlowStatementTableTextBlock.219439.308909">Statements of Cash Flows</link:label>
    <link:loc xlink:label="loc_ScheduleOfCondensedIncomeStatementTableTextBlock.16424.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfCondensedIncomeStatementTableTextBlock.16424.11.6" xlink:to="lab_ScheduleOfCondensedIncomeStatementTableTextBlock.17337" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfCondensedIncomeStatementTableTextBlock.17337" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfCondensedIncomeStatementTableTextBlock.17337">Condensed Income Statement [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfCondensedIncomeStatementTableTextBlock.16424.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfCondensedIncomeStatementTableTextBlock.16424.11.7" xlink:to="ScheduleOfCondensedIncomeStatementTableTextBlock.219438.308908" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="ScheduleOfCondensedIncomeStatementTableTextBlock.219438.308908" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="ScheduleOfCondensedIncomeStatementTableTextBlock.219438.308908">Statements of Operations</link:label>
    <link:loc xlink:label="loc_ScheduleOfQuarterlyFinancialInformationTableTextBlock.16407.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfQuarterlyFinancialInformationTableTextBlock.16407.11.6" xlink:to="lab_ScheduleOfQuarterlyFinancialInformationTableTextBlock.17312" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfQuarterlyFinancialInformationTableTextBlock.17312" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfQuarterlyFinancialInformationTableTextBlock.17312">Schedule of Quarterly Financial Information [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfQuarterlyFinancialInformationTableTextBlock.16407.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfQuarterlyFinancialInformationTableTextBlock.16407.11.7" xlink:to="ScheduleOfQuarterlyFinancialInformationTableTextBlock.219440.308910" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="ScheduleOfQuarterlyFinancialInformationTableTextBlock.219440.308910" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="ScheduleOfQuarterlyFinancialInformationTableTextBlock.219440.308910">Schedule of Quarterly Financial Data</link:label>
    <link:loc xlink:label="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount.6016.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount.6016.11.7" xlink:to="lab_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount.212360.308930" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount.212360.308930" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount.212360.308930">Shares not included in computation of earnings per common share</link:label>
    <link:loc xlink:label="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems.581.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems.581.11.7" xlink:to="lab_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems7.212382.308949" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems7.212382.308949" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems7.212382.308949">EARNINGS PER COMMON SHARE:</link:label>
    <link:loc xlink:label="loc_AssetsHeldInTrust.6065.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsHeldInTrust" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AssetsHeldInTrust.6065.11.7" xlink:to="lab_AssetsHeldInTrust.212394.308942" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AssetsHeldInTrust.212394.308942" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AssetsHeldInTrust.212394.308942">Trust and financial services and administers assets</link:label>
    <link:loc xlink:label="loc_CommercialPortfolioSegmentMember.1071.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialPortfolioSegmentMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommercialPortfolioSegmentMember.1071.11.6" xlink:to="lab_CommercialPortfolioSegmentMember.213573.308940" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommercialPortfolioSegmentMember.213573.308940" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CommercialPortfolioSegmentMember.213573.308940">Commercial [Member]</link:label>
    <link:loc xlink:label="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.11.7" xlink:to="lab_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.212342.308928" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.212342.308928" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.212342.308928">STOCK-BASED COMPENSATION:</link:label>
    <link:loc xlink:label="loc_EquipmentMember.1853.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquipmentMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EquipmentMember.1853.11.6" xlink:to="lab_EquipmentMember.5755.308944" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EquipmentMember.5755.308944" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EquipmentMember.5755.308944">Equipment [Member]</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankStockParValue.36969.11.6" xlink:href="asrv-20131231.xsd#asrv_FederalHomeLoanBankStockParValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankStockParValue.36969.11.6" xlink:to="lab_FederalHomeLoanBankStockParValue.309871" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankStockParValue.309871" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankStockParValue.309871">Federal Home Loan Bank Stock Par Value</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankStockParValue.36969.11.7" xlink:href="asrv-20131231.xsd#asrv_FederalHomeLoanBankStockParValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankStockParValue.36969.11.7" xlink:to="lab_FederalHomeLoanBankStockParValue.309873" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankStockParValue.309873" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankStockParValue.309873">Par value</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankStockParValue.36969.11.12" xlink:href="asrv-20131231.xsd#asrv_FederalHomeLoanBankStockParValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankStockParValue.36969.11.12" xlink:to="lab_FederalHomeLoanBankStockParValue.309872" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankStockParValue.309872" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankStockParValue.309872">The par value of Federal Home Loan Bank Stock.</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesLineItems.2284.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesLineItems.2284.11.6" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesLineItems.7523" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesLineItems.7523" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesLineItems.7523">Financing Receivable, Allowance for Credit Losses [Line Items]</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesLineItems.2284.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesLineItems.2284.11.7" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesLineItems7.212384.308948" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesLineItems7.212384.308948" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesLineItems7.212384.308948">ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment.36897.11.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment.36897.11.6" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment.212331.308914" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment.212331.308914" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment.212331.308914">Financing Receivable Allowance For Credit Losses Threshold For Collecitvely Evaluating Of Impairment</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment.36897.11.7" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment.36897.11.7" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment7.212386.308915" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment7.212386.308915" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment7.212386.308915">Threshold for collectively evaluating loans</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment.36897.11.12" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment.36897.11.12" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairmentExtended58512.212333.308916" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairmentExtended58512.212333.308916" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairmentExtended58512.212333.308916">Financing Receivable, Allowance For Credit Losses, Threshold For Collectively Evaluating Of Impairment.</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.36896.11.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.36896.11.6" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.212321.308911" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.212321.308911" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.212321.308911">Financing Receivable Allowance For Credit Losses Threshold For Individually Evaluating Of Impairment</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.36896.11.12" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.36896.11.12" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment12.212328.308912" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment12.212328.308912" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment12.212328.308912">Financing Receivable, Allowance For Credit Losses, Threshold For Individually Evaluating Of Impairment.</link:label>
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.36896.11.7" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.36896.11.7" xlink:to="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment7.212385.308913" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment7.212385.308913" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment7.212385.308913">Threshold for individually evaluating loans</link:label>
    <link:loc xlink:label="loc_IncomeTaxesPaid.11165.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxesPaid" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxesPaid.11165.11.7" xlink:to="lab_IncomeTaxesPaid.212350.308952" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeTaxesPaid.212350.308952" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxesPaid.212350.308952">Income tax payments</link:label>
    <link:loc xlink:label="loc_InterestPaid.11757.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestPaid" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestPaid.11757.11.7" xlink:to="lab_InterestPaid.212349.308953" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestPaid.212349.308953" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestPaid.212349.308953">Total interest payments</link:label>
    <link:loc xlink:label="loc_NumberOfCountiesInWhichEntityOperates.36899.11.6" xlink:href="asrv-20131231.xsd#asrv_NumberOfCountiesInWhichEntityOperates" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NumberOfCountiesInWhichEntityOperates.36899.11.6" xlink:to="lab_NumberOfCountiesInWhichEntityOperates.212279.308919" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NumberOfCountiesInWhichEntityOperates.212279.308919" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NumberOfCountiesInWhichEntityOperates.212279.308919">Number Of Counties In Which Entity Operates</link:label>
    <link:loc xlink:label="loc_NumberOfCountiesInWhichEntityOperates.36899.11.12" xlink:href="asrv-20131231.xsd#asrv_NumberOfCountiesInWhichEntityOperates" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NumberOfCountiesInWhichEntityOperates.36899.11.12" xlink:to="lab_NumberOfCountiesInWhichEntityOperates12.212280.308920" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NumberOfCountiesInWhichEntityOperates12.212280.308920" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_NumberOfCountiesInWhichEntityOperates12.212280.308920">The number of counties in which the entity operates as of balance sheet date.</link:label>
    <link:loc xlink:label="loc_NumberOfCountiesInWhichEntityOperates.36899.11.7" xlink:href="asrv-20131231.xsd#asrv_NumberOfCountiesInWhichEntityOperates" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NumberOfCountiesInWhichEntityOperates.36899.11.7" xlink:to="lab_NumberOfCountiesInWhichEntityOperates7.212393.308921" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NumberOfCountiesInWhichEntityOperates7.212393.308921" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NumberOfCountiesInWhichEntityOperates7.212393.308921">Number of counties</link:label>
    <link:loc xlink:label="loc_NumberOfStores.13472.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NumberOfStores" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NumberOfStores.13472.11.6" xlink:to="lab_NumberOfStores.12663" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NumberOfStores.12663" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NumberOfStores.12663">Number of Stores</link:label>
    <link:loc xlink:label="loc_NumberOfStores.13472.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NumberOfStores" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NumberOfStores.13472.11.7" xlink:to="lab_NumberOfStores7.212392.308941" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NumberOfStores7.212392.308941" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NumberOfStores7.212392.308941">Number of locations</link:label>
    <link:loc xlink:label="loc_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract.3716.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract.3716.11.7" xlink:to="lab_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract7.212391.308925" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract7.212391.308925" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract7.212391.308925">BUSINESS AND NATURE OF OPERATIONS:</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentLineItems.4280.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentLineItems.4280.11.7" xlink:to="lab_PropertyPlantAndEquipmentLineItems7.212387.308951" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentLineItems7.212387.308951" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentLineItems7.212387.308951">PREMISES AND EQUIPMENT:</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentUsefulLife.15201.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentUsefulLife.15201.11.6" xlink:to="lab_PropertyPlantAndEquipmentUsefulLife.15393" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentUsefulLife.15393" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentUsefulLife.15393">Property, Plant and Equipment, Useful Life</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentUsefulLife.15201.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentUsefulLife.15201.11.7" xlink:to="lab_PropertyPlantAndEquipmentUsefulLife.212308.308945" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentUsefulLife.212308.308945" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentUsefulLife.212308.308945">Useful life</link:label>
    <link:loc xlink:label="loc_ReceivablesAbstract.4424.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ReceivablesAbstract.4424.11.6" xlink:to="lab_ReceivablesAbstract.15987" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ReceivablesAbstract.15987" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ReceivablesAbstract.15987">Receivables [Abstract]</link:label>
    <link:loc xlink:label="loc_ReceivablesAbstract.4424.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ReceivablesAbstract.4424.11.7" xlink:to="lab_ReceivablesAbstract.212299.308926" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ReceivablesAbstract.212299.308926" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ReceivablesAbstract.212299.308926">LOANS:</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum.16892.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum.16892.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum.18126" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum.18126" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum.18126">Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate, Maximum</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum.16892.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum.16892.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum.212357.308937" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum.212357.308937" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum.212357.308937">Expected volatility, maximum</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum.16894.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum.16894.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum.18128" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum.18128" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum.18128">Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate, Minimum</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum.16894.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum.16894.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum.212356.308936" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum.212356.308936" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum.212356.308936">Expected volatility, minimum</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum.16906.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum.16906.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum.18146" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum.18146" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum.18146">Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate, Maximum</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum.16906.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum.16906.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum.212353.308934" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum.212353.308934" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum.212353.308934">Risk-free interest rate, maximum</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum.16941.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum.16941.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum.18192" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum.18192" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum.18192">Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate, Minimum</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum.16941.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum.16941.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum.212352.308933" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum.212352.308933" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum.212352.308933">Risk-free interest rate, minimum</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.16947.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.16947.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.212377.308931" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.212377.308931" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.212377.308931">Exercisable at end of year</link:label>
    <link:loc xlink:label="loc_SmallBusinessLoansMember.36898.11.6" xlink:href="asrv-20131231.xsd#asrv_SmallBusinessLoansMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SmallBusinessLoansMember.36898.11.6" xlink:to="lab_SmallBusinessLoansMember.212336.308917" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SmallBusinessLoansMember.212336.308917" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_SmallBusinessLoansMember.212336.308917">Small Business Loans [Member]</link:label>
    <link:loc xlink:label="loc_SmallBusinessLoansMember.36898.11.12" xlink:href="asrv-20131231.xsd#asrv_SmallBusinessLoansMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SmallBusinessLoansMember.36898.11.12" xlink:to="lab_SmallBusinessLoansMember12.212340.308918" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SmallBusinessLoansMember12.212340.308918" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_SmallBusinessLoansMember12.212340.308918">Small Business Loans [Member]</link:label>
    <link:loc xlink:label="loc_SupplementalCashFlowInformationAbstract.5255.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SupplementalCashFlowInformationAbstract.5255.11.6" xlink:to="lab_SupplementalCashFlowInformationAbstract.18908" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SupplementalCashFlowInformationAbstract.18908" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_SupplementalCashFlowInformationAbstract.18908">Supplemental Cash Flow Information [Abstract]</link:label>
    <link:loc xlink:label="loc_SupplementalCashFlowInformationAbstract.5255.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SupplementalCashFlowInformationAbstract.5255.11.7" xlink:to="lab_SupplementalCashFlowInformationAbstract.212347.308929" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SupplementalCashFlowInformationAbstract.212347.308929" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_SupplementalCashFlowInformationAbstract.212347.308929">CONSOLIDATED STATEMENT OF CASH FLOWS:</link:label>
    <link:loc xlink:label="loc_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable.36900.11.6" xlink:href="asrv-20131231.xsd#asrv_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable.36900.11.6" xlink:to="lab_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable.212300.308922" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable.212300.308922" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable.212300.308922">Threshold Period Past Due For Write Off Of Financing Receivable</link:label>
    <link:loc xlink:label="loc_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable.36900.11.12" xlink:href="asrv-20131231.xsd#asrv_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable.36900.11.12" xlink:to="lab_ThresholdPeriodPastDueForWriteoffOfFinancingReceivable12.212301.308923" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ThresholdPeriodPastDueForWriteoffOfFinancingReceivable12.212301.308923" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ThresholdPeriodPastDueForWriteoffOfFinancingReceivable12.212301.308923">Threshold period past due for financing receivable to write off as uncollectible, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</link:label>
    <link:loc xlink:label="loc_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable.36900.11.7" xlink:href="asrv-20131231.xsd#asrv_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable.36900.11.7" xlink:to="lab_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable7.212388.308924" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable7.212388.308924" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable7.212388.308924">Threshold for discontinuing accrual of interest income</link:label>
    <link:loc xlink:label="loc_TransferOfOtherRealEstate.17661.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TransferOfOtherRealEstate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TransferOfOtherRealEstate.17661.11.6" xlink:to="lab_TransferOfOtherRealEstate.459236.190360.308009" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TransferOfOtherRealEstate.459236.190360.308009" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TransferOfOtherRealEstate.459236.190360.308009">Transfer from Other Real Estate</link:label>
    <link:loc xlink:label="loc_TransferOfOtherRealEstate.17661.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TransferOfOtherRealEstate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TransferOfOtherRealEstate.17661.11.7" xlink:to="TransferOfOtherRealEstate.212348.308954" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="TransferOfOtherRealEstate.212348.308954" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="TransferOfOtherRealEstate.212348.308954">Non-cash transfers to other real estate owned</link:label>
    <link:loc xlink:label="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount.6016.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount.6016.11.6" xlink:to="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_lbl.458508.191285.308298" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_lbl.458508.191285.308298" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_lbl.458508.191285.308298">Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount</link:label>
    <link:loc xlink:label="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems.581.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems.581.11.6" xlink:to="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_lbl.458506.191288.308300" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_lbl.458506.191288.308300" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_lbl.458506.191288.308300">Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]</link:label>
    <link:loc xlink:label="loc_AssetsHeldInTrust.6065.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsHeldInTrust" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AssetsHeldInTrust.6065.11.6" xlink:to="us-gaap_AssetsHeldInTrust_lbl.458487.190372.308654" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AssetsHeldInTrust_lbl.458487.190372.308654" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AssetsHeldInTrust_lbl.458487.190372.308654">Assets Held-in-trust</link:label>
    <link:loc xlink:label="loc_IncomeTaxesPaid.11165.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxesPaid" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxesPaid.11165.11.6" xlink:to="us-gaap_IncomeTaxesPaid_lbl.458528.190362.308012" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_IncomeTaxesPaid_lbl.458528.190362.308012" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_IncomeTaxesPaid_lbl.458528.190362.308012">Income Taxes Paid</link:label>
    <link:loc xlink:label="loc_InterestPaid.11757.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestPaid" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestPaid.11757.11.6" xlink:to="us-gaap_InterestPaid_lbl.458529.190364.308013" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_InterestPaid_lbl.458529.190364.308013" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_InterestPaid_lbl.458529.190364.308013">Interest Paid</link:label>
    <link:loc xlink:label="loc_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract.3716.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract.3716.11.6" xlink:to="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_lbl.458396.191192.307792" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_lbl.458396.191192.307792" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_lbl.458396.191192.307792">Basis of Preparation [Abstract]</link:label>
    <link:loc xlink:label="loc_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable.4777.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable.4777.11.6" xlink:to="us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_lbl.458494.191290.308302" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_lbl.458494.191290.308302" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_lbl.458494.191290.308302">Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table]</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.5785.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.5785.11.6" xlink:to="lab_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.602" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.602" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.602">Accumulated Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.5785.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.5785.11.7" xlink:to="lab_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax7.212396.308956" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax7.212396.308956" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax7.212396.308956">Unrealized holding gains on available for sale securities</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.5783.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.5783.11.6" xlink:to="lab_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.595" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.595" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.595">Accumulated Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Net of Tax</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.5783.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.5783.11.52" xlink:to="lab_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax42.212399.308955" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax42.212399.308955" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax42.212399.308955">Pension obligation for defined benefit plan</link:label>
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.11.9" xlink:to="lab_AccumulatedOtherComprehensiveIncomeLossNetOfTax.212397.308957" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedOtherComprehensiveIncomeLossNetOfTax.212397.308957" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedOtherComprehensiveIncomeLossNetOfTax.212397.308957">Total accumulated other comprehensive loss</link:label>
    <link:loc xlink:label="loc_DividendsPreferredStock.9020.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendsPreferredStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendsPreferredStock.9020.11.7" xlink:to="lab_DividendsPreferredStock.218312.308958" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DividendsPreferredStock.218312.308958" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DividendsPreferredStock.218312.308958">Preferred stock dividends and accretion of preferred stock discount</link:label>
    <link:loc xlink:label="loc_EarningsPerShareAbstract.1761.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareAbstract.1761.11.8" xlink:to="lab_EarningsPerShareAbstract8.403631.308961" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarningsPerShareAbstract8.403631.308961" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_EarningsPerShareAbstract8.403631.308961">Earnings per common share:</link:label>
    <link:loc xlink:label="loc_IncrementalCommonSharesAttributableToCallOptionsAndWarrants.11486.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncrementalCommonSharesAttributableToCallOptionsAndWarrants.11486.11.7" xlink:to="lab_IncrementalCommonSharesAttributableToCallOptionsAndWarrants.403627.308959" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncrementalCommonSharesAttributableToCallOptionsAndWarrants.403627.308959" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncrementalCommonSharesAttributableToCallOptionsAndWarrants.403627.308959">Effect of stock options/warrants</link:label>
    <link:loc xlink:label="loc_WeightedAverageNumberOfDilutedSharesOutstanding.18047.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WeightedAverageNumberOfDilutedSharesOutstanding.18047.11.8" xlink:to="lab_WeightedAverageNumberOfDilutedSharesOutstanding8.403629.308960" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_WeightedAverageNumberOfDilutedSharesOutstanding8.403629.308960" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_WeightedAverageNumberOfDilutedSharesOutstanding8.403629.308960">Weighted average common shares outstanding (diluted)</link:label>
    <link:loc xlink:label="loc_EarningsPerShareAbstract.1761.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareAbstract.1761.11.6" xlink:to="us-gaap_EarningsPerShareAbstract_lbl.458400.191196.308275" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_EarningsPerShareAbstract_lbl.458400.191196.308275" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_EarningsPerShareAbstract_lbl.458400.191196.308275">Earnings Per Common Share [Abstract]</link:label>
    <link:loc xlink:label="loc_EarningsPerShareBasic.9083.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareBasic.9083.11.8" xlink:to="us-gaap_EarningsPerShareBasic_lbl.458305.191070.308288" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_EarningsPerShareBasic_lbl.458305.191070.308288" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_EarningsPerShareBasic_lbl.458305.191070.308288">Basic</link:label>
    <link:loc xlink:label="loc_EarningsPerShareDiluted.9087.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarningsPerShareDiluted.9087.11.8" xlink:to="us-gaap_EarningsPerShareDiluted_lbl.458313.191071.308289" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_EarningsPerShareDiluted_lbl.458313.191071.308289" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_EarningsPerShareDiluted_lbl.458313.191071.308289">Diluted</link:label>
    <link:loc xlink:label="loc_IncrementalCommonSharesAttributableToCallOptionsAndWarrants.11486.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncrementalCommonSharesAttributableToCallOptionsAndWarrants.11486.11.6" xlink:to="us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants_lbl.458492.191072.308290" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants_lbl.458492.191072.308290" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants_lbl.458492.191072.308290">Incremental Common Shares Attributable to Call Options and Warrants</link:label>
    <link:loc xlink:label="loc_WeightedAverageNumberOfSharesOutstandingBasic.18031.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WeightedAverageNumberOfSharesOutstandingBasic.18031.11.8" xlink:to="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl.458308.191075.308293" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl.458308.191075.308293" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl.458308.191075.308293">Weighted average common shares outstanding (basic)</link:label>
    <link:loc xlink:label="loc_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.5779.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.5779.11.6" xlink:to="lab_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.583" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.583" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.583">Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment</link:label>
    <link:loc xlink:label="loc_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.5779.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.5779.11.7" xlink:to="lab_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.212240.308967" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.212240.308967" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.212240.308967">Less: Accumulated depreciation and amortization</link:label>
    <link:loc xlink:label="loc_BuildingMember.743.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BuildingMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BuildingMember.743.11.6" xlink:to="lab_BuildingMember.212306.308943" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BuildingMember.212306.308943" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_BuildingMember.212306.308943">Buildings [Member]</link:label>
    <link:loc xlink:label="loc_BuildingMember.743.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BuildingMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BuildingMember.743.11.7" xlink:to="lab_BuildingMember7.215331.308964" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BuildingMember7.215331.308964" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_BuildingMember7.215331.308964">Premises [Member]</link:label>
    <link:loc xlink:label="loc_Depreciation.8347.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Depreciation" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Depreciation.8347.11.6" xlink:to="lab_Depreciation.4674" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Depreciation.4674" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_Depreciation.4674">Depreciation</link:label>
    <link:loc xlink:label="loc_Depreciation.8347.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Depreciation" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Depreciation.8347.11.7" xlink:to="lab_Depreciation.212243.308969" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Depreciation.212243.308969" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_Depreciation.212243.308969">Depreciation expense</link:label>
    <link:loc xlink:label="loc_FurnitureAndFixturesMember.2394.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FurnitureAndFixturesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FurnitureAndFixturesMember.2394.11.6" xlink:to="lab_FurnitureAndFixturesMember.7931" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FurnitureAndFixturesMember.7931" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FurnitureAndFixturesMember.7931">Furniture and Fixtures [Member]</link:label>
    <link:loc xlink:label="loc_FurnitureAndFixturesMember.2394.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FurnitureAndFixturesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FurnitureAndFixturesMember.2394.11.7" xlink:to="lab_FurnitureAndFixturesMember.174896.372171" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FurnitureAndFixturesMember.174896.372171" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FurnitureAndFixturesMember.174896.372171">Furniture and Equipment [Member]</link:label>
    <link:loc xlink:label="loc_LandMember.3026.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LandMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LandMember.3026.11.6" xlink:to="lab_LandMember.9996.308963" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LandMember.9996.308963" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LandMember.9996.308963">Land [Member]</link:label>
    <link:loc xlink:label="loc_LeaseholdImprovementsMember.3031.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LeaseholdImprovementsMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LeaseholdImprovementsMember.3031.11.6" xlink:to="lab_LeaseholdImprovementsMember.10019.308965" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LeaseholdImprovementsMember.10019.308965" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LeaseholdImprovementsMember.10019.308965">Leasehold Improvements [Member]</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentByTypeAxis.4272.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentByTypeAxis.4272.11.6" xlink:to="lab_PropertyPlantAndEquipmentByTypeAxis.14927.308950" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentByTypeAxis.14927.308950" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentByTypeAxis.14927.308950">Property, Plant and Equipment, Type [Axis]</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentGross.15204.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentGross.15204.11.6" xlink:to="lab_PropertyPlantAndEquipmentGross.15399" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentGross.15399" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentGross.15399">Property, Plant and Equipment, Gross</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentGross.15204.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentGross.15204.11.7" xlink:to="lab_PropertyPlantAndEquipmentGross.212239.308966" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentGross.212239.308966" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentGross.212239.308966">Cost</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentLineItems.4280.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentLineItems.4280.11.6" xlink:to="lab_PropertyPlantAndEquipmentLineItems.14919.308970" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentLineItems.14919.308970" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentLineItems.14919.308970">Property, Plant and Equipment [Line Items]</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentNet.15211.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentNet.15211.11.9" xlink:to="lab_PropertyPlantAndEquipmentNet.212241.308968" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentNet.212241.308968" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentNet.212241.308968">Net book value</link:label>
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentTypeDomain.4268.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PropertyPlantAndEquipmentTypeDomain.4268.11.6" xlink:to="lab_PropertyPlantAndEquipmentTypeDomain.14865.308946" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentTypeDomain.14865.308946" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentTypeDomain.14865.308946">Property, Plant and Equipment, Type [Domain]</link:label>
    <link:loc xlink:label="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.11.6" xlink:to="lab_ScheduleOfPropertyPlantAndEquipmentTable.16928.308927" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfPropertyPlantAndEquipmentTable.16928.308927" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfPropertyPlantAndEquipmentTable.16928.308927">Schedule of Property, Plant and Equipment [Table]</link:label>
    <link:loc xlink:label="loc_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract.1534.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract.1534.11.6" xlink:to="lab_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract.4654" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract.4654" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract.4654">Deposits, Interest-bearing and Noninterest-bearing, Alternative [Abstract]</link:label>
    <link:loc xlink:label="loc_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract.1534.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract.1534.11.7" xlink:to="lab_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract7.215338.308971" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract7.215338.308971" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract7.215338.308971">Demand:</link:label>
    <link:loc xlink:label="loc_DepositsMoneyMarketDeposits.8329.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsMoneyMarketDeposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsMoneyMarketDeposits.8329.11.6" xlink:to="lab_DepositsMoneyMarketDeposits.4637" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsMoneyMarketDeposits.4637" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DepositsMoneyMarketDeposits.4637">Deposits, Money Market Deposits</link:label>
    <link:loc xlink:label="loc_DepositsMoneyMarketDeposits.8329.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsMoneyMarketDeposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsMoneyMarketDeposits.8329.11.7" xlink:to="lab_DepositsMoneyMarketDeposits.215340.308973" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsMoneyMarketDeposits.215340.308973" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DepositsMoneyMarketDeposits.215340.308973">Money market</link:label>
    <link:loc xlink:label="loc_DepositsSavingsDeposits.8337.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsSavingsDeposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsSavingsDeposits.8337.11.6" xlink:to="lab_DepositsSavingsDeposits.4649" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsSavingsDeposits.4649" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DepositsSavingsDeposits.4649">Deposits, Savings Deposits</link:label>
    <link:loc xlink:label="loc_DepositsSavingsDeposits.8337.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsSavingsDeposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DepositsSavingsDeposits.8337.11.7" xlink:to="lab_DepositsSavingsDeposits.215339.308972" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DepositsSavingsDeposits.215339.308972" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DepositsSavingsDeposits.215339.308972">Savings</link:label>
    <link:loc xlink:label="loc_InterestBearingDomesticDepositDemand.11762.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDomesticDepositDemand" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestBearingDomesticDepositDemand.11762.11.6" xlink:to="lab_InterestBearingDomesticDepositDemand.9883" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestBearingDomesticDepositDemand.9883" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestBearingDomesticDepositDemand.9883">Interest-bearing Domestic Deposit, Demand</link:label>
    <link:loc xlink:label="loc_InterestBearingDomesticDepositDemand.11762.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDomesticDepositDemand" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestBearingDomesticDepositDemand.11762.11.7" xlink:to="lab_InterestBearingDomesticDepositDemand.215334.308976" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestBearingDomesticDepositDemand.215334.308976" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestBearingDomesticDepositDemand.215334.308976">Interest bearing</link:label>
    <link:loc xlink:label="loc_NoninterestBearingDomesticDepositDemand.13368.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDomesticDepositDemand" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestBearingDomesticDepositDemand.13368.11.6" xlink:to="lab_NoninterestBearingDomesticDepositDemand.12494" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NoninterestBearingDomesticDepositDemand.12494" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NoninterestBearingDomesticDepositDemand.12494">Noninterest-bearing Domestic Deposit, Demand</link:label>
    <link:loc xlink:label="loc_NoninterestBearingDomesticDepositDemand.13368.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDomesticDepositDemand" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestBearingDomesticDepositDemand.13368.11.7" xlink:to="lab_NoninterestBearingDomesticDepositDemand.215335.308977" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NoninterestBearingDomesticDepositDemand.215335.308977" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NoninterestBearingDomesticDepositDemand.215335.308977">Non-interest bearing</link:label>
    <link:loc xlink:label="loc_TimeDeposits100000OrMore.17585.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDeposits100000OrMore.17585.11.6" xlink:to="lab_TimeDeposits100000OrMore.19177" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDeposits100000OrMore.19177" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TimeDeposits100000OrMore.19177">Time Deposits, $100,000 or More</link:label>
    <link:loc xlink:label="loc_TimeDeposits100000OrMore.17585.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDeposits100000OrMore.17585.11.7" xlink:to="lab_TimeDeposits100000OrMore.215336.308974" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDeposits100000OrMore.215336.308974" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TimeDeposits100000OrMore.215336.308974">Certificates of deposit in denominations of $100,000 or more</link:label>
    <link:loc xlink:label="loc_TimeDepositsLessThan100000.17590.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsLessThan100000" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositsLessThan100000.17590.11.6" xlink:to="lab_TimeDepositsLessThan100000.19183" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositsLessThan100000.19183" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositsLessThan100000.19183">Time Deposits, Less than $100,000</link:label>
    <link:loc xlink:label="loc_TimeDepositsLessThan100000.17590.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsLessThan100000" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositsLessThan100000.17590.11.7" xlink:to="lab_TimeDepositsLessThan100000.215337.308975" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositsLessThan100000.215337.308975" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositsLessThan100000.215337.308975">Other time</link:label>
    <link:loc xlink:label="loc_InterestExpenseDeposits.11709.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseDeposits.11709.11.9" xlink:to="lab_InterestExpenseDeposits.215349.308985" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestExpenseDeposits.215349.308985" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestExpenseDeposits.215349.308985">Total interest expense</link:label>
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesDemand.11646.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseDomesticDepositLiabilitiesDemand.11646.11.6" xlink:to="lab_InterestExpenseDomesticDepositLiabilitiesDemand.9698" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestExpenseDomesticDepositLiabilitiesDemand.9698" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestExpenseDomesticDepositLiabilitiesDemand.9698">Interest Expense Domestic Deposit Liabilities, Demand</link:label>
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesDemand.11646.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseDomesticDepositLiabilitiesDemand.11646.11.7" xlink:to="lab_InterestExpenseDomesticDepositLiabilitiesDemand7.215344.308981" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestExpenseDomesticDepositLiabilitiesDemand7.215344.308981" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestExpenseDomesticDepositLiabilitiesDemand7.215344.308981">Interest bearing demand</link:label>
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesMoneyMarket.11668.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesMoneyMarket" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseDomesticDepositLiabilitiesMoneyMarket.11668.11.6" xlink:to="lab_InterestExpenseDomesticDepositLiabilitiesMoneyMarket.9730" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestExpenseDomesticDepositLiabilitiesMoneyMarket.9730" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestExpenseDomesticDepositLiabilitiesMoneyMarket.9730">Interest Expense Domestic Deposit Liabilities, Money Market</link:label>
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesMoneyMarket.11668.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesMoneyMarket" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseDomesticDepositLiabilitiesMoneyMarket.11668.11.7" xlink:to="lab_InterestExpenseDomesticDepositLiabilitiesMoneyMarket.215346.308983" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestExpenseDomesticDepositLiabilitiesMoneyMarket.215346.308983" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestExpenseDomesticDepositLiabilitiesMoneyMarket.215346.308983">Money market</link:label>
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit.11638.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit.11638.11.6" xlink:to="lab_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit.9687" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit.9687" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit.9687">Interest Expense Domestic Deposit Liabilities, Other Time Deposit</link:label>
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit.11638.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit.11638.11.7" xlink:to="lab_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit.215348.308984" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit.215348.308984" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit.215348.308984">Other time</link:label>
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesSavings.11669.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseDomesticDepositLiabilitiesSavings.11669.11.6" xlink:to="lab_InterestExpenseDomesticDepositLiabilitiesSavings.9732" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestExpenseDomesticDepositLiabilitiesSavings.9732" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestExpenseDomesticDepositLiabilitiesSavings.9732">Interest Expense Domestic Deposit Liabilities, Savings</link:label>
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesSavings.11669.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseDomesticDepositLiabilitiesSavings.11669.11.7" xlink:to="lab_InterestExpenseDomesticDepositLiabilitiesSavings.215345.308982" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestExpenseDomesticDepositLiabilitiesSavings.215345.308982" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestExpenseDomesticDepositLiabilitiesSavings.215345.308982">Savings</link:label>
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.36901.11.6" xlink:href="asrv-20131231.xsd#asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.36901.11.6" xlink:to="lab_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.215342.308978" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.215342.308978" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.215342.308978">Interest Expense Domestic Deposit Liabilities Time Deposits One Hundred Thousand Dollars Or More</link:label>
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.36901.11.12" xlink:href="asrv-20131231.xsd#asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.36901.11.12" xlink:to="lab_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore12.215351.308979" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore12.215351.308979" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore12.215351.308979">Interest Expense, Domestic Deposit Liabilities, Time Deposits $100,000 Or More.</link:label>
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.36901.11.7" xlink:href="asrv-20131231.xsd#asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.36901.11.7" xlink:to="lab_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore7.215347.308980" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore7.215347.308980" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore7.215347.308980">Certificates of deposit in denominations of $100,000 or more</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.1199.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.1199.11.6" xlink:to="lab_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.3148" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.3148" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.3148">Contractual Maturities of Time Deposits, $100,000 or More, Disclosures [Abstract]</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.1199.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.1199.11.7" xlink:to="lab_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.215357.309006" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.215357.309006" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.215357.309006">CERTIFICATES OF DEPOSIT OF $100,000 OR MORE</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive.36907.11.6" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive.36907.11.6" xlink:to="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive.215365.309001" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive.215365.309001" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive.215365.309001">Contractual Maturities Of Time Deposits One Hundred Thousand Dollars Or More After Year Five</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive.36907.11.12" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive.36907.11.12" xlink:to="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive12.215370.309002" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive12.215370.309002" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive12.215370.309002">Contractual Maturities Of Time Deposits $100,000 Or More, After Year Five.</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive.36907.11.7" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive.36907.11.7" xlink:to="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive7.215383.309003" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive7.215383.309003" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive7.215383.309003">2019 and after</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths.36902.11.6" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths.36902.11.6" xlink:to="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths.215358.308986" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths.215358.308986" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths.215358.308986">Contractual Maturities Of Time Deposits One Hundred Thousand Dollars Or More Next Twelve Months</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths.36902.11.12" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths.36902.11.12" xlink:to="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths12.215367.308987" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths12.215367.308987" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths12.215367.308987">Contractual Maturities Of Time Deposits $100,000 Or More, Next Twelve Months.</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths.36902.11.7" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths.36902.11.7" xlink:to="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths7.215374.308988" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths7.215374.308988" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths7.215374.308988">2014</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive.36906.11.6" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive.36906.11.6" xlink:to="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive.215362.308998" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive.215362.308998" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive.215362.308998">Contractual Maturities Of Time Deposits One Hundred Thousand Dollars Or More Year Five</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive.36906.11.12" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive.36906.11.12" xlink:to="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive12.215369.308999" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive12.215369.308999" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive12.215369.308999">Contractual Maturities Of Time Deposits $100,000 Or More, Year Five.</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive.36906.11.7" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive.36906.11.7" xlink:to="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive7.215380.309000" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive7.215380.309000" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive7.215380.309000">2018</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour.36905.11.6" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour.36905.11.6" xlink:to="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour.215361.308995" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour.215361.308995" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour.215361.308995">Contractual Maturities Of Time Deposits One Hundred Thousand Dollars Or More Year Four</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour.36905.11.12" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour.36905.11.12" xlink:to="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour12.215372.308996" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour12.215372.308996" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour12.215372.308996">Contractual Maturities Of Time Deposits $100,000 Or More, Year Four.</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour.36905.11.7" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour.36905.11.7" xlink:to="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour7.215378.308997" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour7.215378.308997" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour7.215378.308997">2017</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree.36904.11.6" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree.36904.11.6" xlink:to="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree.212235.308992" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree.212235.308992" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree.212235.308992">Contractual Maturities Of Time Deposits One Hundred Thousand Dollars Or More Year Three</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo.36903.11.6" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo.36903.11.6" xlink:to="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo.212232.308989" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo.212232.308989" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo.212232.308989">Contractual Maturities Of Time Deposits One Hundred Thousand Dollars Or More Year Two</link:label>
    <link:loc xlink:label="loc_MaturitiesOfTimeDepositsAbstract.3365.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaturitiesOfTimeDepositsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MaturitiesOfTimeDepositsAbstract.3365.11.6" xlink:to="lab_MaturitiesOfTimeDepositsAbstract.11833" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_MaturitiesOfTimeDepositsAbstract.11833" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_MaturitiesOfTimeDepositsAbstract.11833">Maturities of Time Deposits [Abstract]</link:label>
    <link:loc xlink:label="loc_MaturitiesOfTimeDepositsAbstract.3365.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaturitiesOfTimeDepositsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MaturitiesOfTimeDepositsAbstract.3365.11.7" xlink:to="lab_MaturitiesOfTimeDepositsAbstract7.215386.309005" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_MaturitiesOfTimeDepositsAbstract7.215386.309005" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_MaturitiesOfTimeDepositsAbstract7.215386.309005">OTHER TIME DEPOSITS</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo.36903.11.12" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo.36903.11.12" xlink:to="lab_PropertyPlantAndEquipmentInvestmentGrant12.212233.308990" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentInvestmentGrant12.212233.308990" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentInvestmentGrant12.212233.308990">Contractual Maturities Of Time Deposits $100,000 Or More, Year Two.</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo.36903.11.7" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo.36903.11.7" xlink:to="lab_PropertyPlantAndEquipmentInvestmentGrant7.212234.308991" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentInvestmentGrant7.212234.308991" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentInvestmentGrant7.212234.308991">2015</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree.36904.11.12" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree.36904.11.12" xlink:to="lab_PropertyPlantAndEquipmentOperatingLeaseTerm12.212236.308993" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentOperatingLeaseTerm12.212236.308993" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentOperatingLeaseTerm12.212236.308993">Contractual Maturities Of Time Deposits $100,000 Or More, Year Three.</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree.36904.11.7" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree.36904.11.7" xlink:to="lab_PropertyPlantAndEquipmentOperatingLeaseTerm7.212237.308994" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PropertyPlantAndEquipmentOperatingLeaseTerm7.212237.308994" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PropertyPlantAndEquipmentOperatingLeaseTerm7.212237.308994">2016</link:label>
    <link:loc xlink:label="loc_TimeDepositMaturitiesAfterYearFive.17586.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositMaturitiesAfterYearFive.17586.11.6" xlink:to="lab_TimeDepositMaturitiesAfterYearFive.19179" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositMaturitiesAfterYearFive.19179" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesAfterYearFive.19179">Time Deposit Maturities, after Year Five</link:label>
    <link:loc xlink:label="loc_TimeDepositMaturitiesAfterYearFive.17586.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositMaturitiesAfterYearFive.17586.11.7" xlink:to="lab_TimeDepositMaturitiesAfterYearFive.215381.309012" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositMaturitiesAfterYearFive.215381.309012" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesAfterYearFive.215381.309012">2019 and after</link:label>
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearFive.17573.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFive" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositMaturitiesYearFive.17573.11.6" xlink:to="lab_TimeDepositMaturitiesYearFive.19159" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositMaturitiesYearFive.19159" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesYearFive.19159">Time Deposit Maturities, Year Five</link:label>
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearFive.17573.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFive" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositMaturitiesYearFive.17573.11.7" xlink:to="lab_TimeDepositMaturitiesYearFive.215379.309011" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositMaturitiesYearFive.215379.309011" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesYearFive.215379.309011">2018</link:label>
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearFour.17603.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositMaturitiesYearFour.17603.11.6" xlink:to="lab_TimeDepositMaturitiesYearFour.19198" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositMaturitiesYearFour.19198" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesYearFour.19198">Time Deposit Maturities, Year Four</link:label>
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearFour.17603.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositMaturitiesYearFour.17603.11.7" xlink:to="lab_TimeDepositMaturitiesYearFour.215377.309010" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositMaturitiesYearFour.215377.309010" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesYearFour.215377.309010">2017</link:label>
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearOne.17601.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearOne" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositMaturitiesYearOne.17601.11.6" xlink:to="lab_TimeDepositMaturitiesYearOne.19195" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositMaturitiesYearOne.19195" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesYearOne.19195">Time Deposit Maturities, Next Twelve Months</link:label>
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearOne.17601.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearOne" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositMaturitiesYearOne.17601.11.7" xlink:to="lab_TimeDepositMaturitiesYearOne.215373.309007" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositMaturitiesYearOne.215373.309007" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesYearOne.215373.309007">2014</link:label>
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearThree.17583.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearThree" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositMaturitiesYearThree.17583.11.6" xlink:to="lab_TimeDepositMaturitiesYearThree.19174" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositMaturitiesYearThree.19174" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesYearThree.19174">Time Deposit Maturities, Year Three</link:label>
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearThree.17583.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearThree" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositMaturitiesYearThree.17583.11.7" xlink:to="lab_TimeDepositMaturitiesYearThree.215376.309009" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositMaturitiesYearThree.215376.309009" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesYearThree.215376.309009">2016</link:label>
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearTwo.17597.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearTwo" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositMaturitiesYearTwo.17597.11.6" xlink:to="lab_TimeDepositMaturitiesYearTwo.19191" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositMaturitiesYearTwo.19191" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesYearTwo.19191">Time Deposit Maturities, Year Two</link:label>
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearTwo.17597.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearTwo" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDepositMaturitiesYearTwo.17597.11.7" xlink:to="lab_TimeDepositMaturitiesYearTwo.215375.309008" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDepositMaturitiesYearTwo.215375.309008" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TimeDepositMaturitiesYearTwo.215375.309008">2015</link:label>
    <link:loc xlink:label="loc_TimeDeposits.17577.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDeposits.17577.11.6" xlink:to="lab_TimeDeposits.19164" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDeposits.19164" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TimeDeposits.19164">Time Deposits</link:label>
    <link:loc xlink:label="loc_TimeDeposits.17577.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDeposits.17577.11.9" xlink:to="lab_TimeDeposits.215384.309013" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDeposits.215384.309013" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_TimeDeposits.215384.309013">Total</link:label>
    <link:loc xlink:label="loc_TimeDeposits100000OrMore.17585.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TimeDeposits100000OrMore.17585.11.9" xlink:to="lab_TimeDeposits100000OrMore.215385.309004" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TimeDeposits100000OrMore.215385.309004" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_TimeDeposits100000OrMore.215385.309004">Total</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.7325.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.7325.11.6" xlink:to="lab_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.3170" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.3170" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.3170">Contractual Maturities, Time Deposits, $100,000 or More, after 12 Months</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.7325.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.7325.11.7" xlink:to="lab_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.215389.309017" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.215389.309017" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.215389.309017">Over twelve months</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.7320.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.7320.11.6" xlink:to="lab_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.3164" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.3164" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.3164">Contractual Maturities, Time Deposits, $100,000 or More, Six Months Through 12 Months</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.7320.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.7320.11.7" xlink:to="lab_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.215388.309016" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.215388.309016" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.215388.309016">Over six through twelve months</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.7318.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.7318.11.6" xlink:to="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.3162" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.3162" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.3162">Contractual Maturities, Time Deposits, $100,000 or More, Three Months or Less</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.7318.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.7318.11.7" xlink:to="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess7.215392.309014" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess7.215392.309014" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess7.215392.309014">Three months or less</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.7319.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.7319.11.6" xlink:to="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.3163" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.3163" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.3163">Contractual Maturities, Time Deposits, $100,000 or More, Three Months Through Six Months</link:label>
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.7319.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.7319.11.7" xlink:to="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.215387.309015" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.215387.309015" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.215387.309015">Over three through six months</link:label>
    <link:loc xlink:label="loc_DebtInstrumentInterestRateDuringPeriod.7760.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentInterestRateDuringPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtInstrumentInterestRateDuringPeriod.7760.11.6" xlink:to="lab_DebtInstrumentInterestRateDuringPeriod.3818" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentInterestRateDuringPeriod.3818" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentInterestRateDuringPeriod.3818">Debt Instrument, Interest Rate During Period</link:label>
    <link:loc xlink:label="loc_DebtInstrumentInterestRateDuringPeriod.7760.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentInterestRateDuringPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtInstrumentInterestRateDuringPeriod.7760.11.7" xlink:to="lab_DebtInstrumentInterestRateDuringPeriod.215460.309031" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentInterestRateDuringPeriod.215460.309031" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentInterestRateDuringPeriod.215460.309031">Average rate paid for the year</link:label>
    <link:loc xlink:label="loc_ShortTermDebtInstrumentWeightedAverageTerm.36908.11.12" xlink:href="asrv-20131231.xsd#asrv_ShortTermDebtInstrumentWeightedAverageTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtInstrumentWeightedAverageTerm.36908.11.12" xlink:to="lab_DebtInstrumentWeightedAverageTerm12.215457.309018" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentWeightedAverageTerm12.215457.309018" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentWeightedAverageTerm12.215457.309018">Debt Instrument, Weighted Average Term.</link:label>
    <link:loc xlink:label="loc_ShortTermDebtInstrumentWeightedAverageTerm.36908.11.7" xlink:href="asrv-20131231.xsd#asrv_ShortTermDebtInstrumentWeightedAverageTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtInstrumentWeightedAverageTerm.36908.11.7" xlink:to="lab_DebtInstrumentWeightedAverageTerm7.215462.309019" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentWeightedAverageTerm7.215462.309019" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentWeightedAverageTerm7.215462.309019">Average maturity</link:label>
    <link:loc xlink:label="loc_FederalFundsPurchasedMember.2202.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalFundsPurchasedMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalFundsPurchasedMember.2202.11.6" xlink:to="lab_FederalFundsPurchasedMember.6864.309032" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalFundsPurchasedMember.6864.309032" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalFundsPurchasedMember.6864.309032">Federal Funds Purchased [Member]</link:label>
    <link:loc xlink:label="loc_ScheduleOfShortTermDebtTable.4903.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShortTermDebtTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfShortTermDebtTable.4903.11.6" xlink:to="lab_ScheduleOfShortTermDebtTable.16904.309026" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfShortTermDebtTable.16904.309026" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfShortTermDebtTable.16904.309026">Schedule of Short-term Debt [Table]</link:label>
    <link:loc xlink:label="loc_ShortTermBorrowings.17069.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermBorrowings.17069.11.6" xlink:to="lab_ShortTermBorrowings.18372" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermBorrowings.18372" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermBorrowings.18372">Short-term Debt</link:label>
    <link:loc xlink:label="loc_ShortTermBorrowings.17069.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermBorrowings.17069.11.7" xlink:to="lab_ShortTermBorrowings.215458.309027" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermBorrowings.215458.309027" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermBorrowings.215458.309027">Balance</link:label>
    <link:loc xlink:label="loc_ShorttermDebtAverageOutstandingAmount.16227.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShorttermDebtAverageOutstandingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShorttermDebtAverageOutstandingAmount.16227.11.6" xlink:to="lab_ShorttermDebtAverageOutstandingAmount.17053" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShorttermDebtAverageOutstandingAmount.17053" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShorttermDebtAverageOutstandingAmount.17053">Short-term Debt, Average Outstanding Amount</link:label>
    <link:loc xlink:label="loc_ShorttermDebtAverageOutstandingAmount.16227.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShorttermDebtAverageOutstandingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShorttermDebtAverageOutstandingAmount.16227.11.7" xlink:to="lab_ShorttermDebtAverageOutstandingAmount.215451.309029" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShorttermDebtAverageOutstandingAmount.215451.309029" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShorttermDebtAverageOutstandingAmount.215451.309029">Average balance during year</link:label>
    <link:loc xlink:label="loc_ShortTermDebtExcludingFederalFundsPurchasedMember.36909.11.6" xlink:href="asrv-20131231.xsd#asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtExcludingFederalFundsPurchasedMember.36909.11.6" xlink:to="lab_ShortTermDebtExcludingFederalFundsPurchasedMember.215448.309021" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermDebtExcludingFederalFundsPurchasedMember.215448.309021" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermDebtExcludingFederalFundsPurchasedMember.215448.309021">Short Term Debt Excluding Federal Funds Purchased [Member]</link:label>
    <link:loc xlink:label="loc_ShortTermDebtExcludingFederalFundsPurchasedMember.36909.11.12" xlink:href="asrv-20131231.xsd#asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtExcludingFederalFundsPurchasedMember.36909.11.12" xlink:to="lab_ShortTermDebtExcludingFederalFundsPurchasedMember12.215450.309022" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermDebtExcludingFederalFundsPurchasedMember12.215450.309022" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermDebtExcludingFederalFundsPurchasedMember12.215450.309022">Short Term Debt Excluding Federal Funds Purchased [Member]</link:label>
    <link:loc xlink:label="loc_ShortTermDebtExcludingFederalFundsPurchasedMember.36909.11.7" xlink:href="asrv-20131231.xsd#asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtExcludingFederalFundsPurchasedMember.36909.11.7" xlink:to="lab_ShortTermDebtExcludingFederalFundsPurchasedMember7.215463.309023" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermDebtExcludingFederalFundsPurchasedMember7.215463.309023" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermDebtExcludingFederalFundsPurchasedMember7.215463.309023">Short-Term Borrowings [Member]</link:label>
    <link:loc xlink:label="loc_ShortTermDebtInstrumentWeightedAverageTerm.36908.11.6" xlink:href="asrv-20131231.xsd#asrv_ShortTermDebtInstrumentWeightedAverageTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtInstrumentWeightedAverageTerm.36908.11.6" xlink:to="lab_ShortTermDebtInstrumentWeightedAverageTerm.215455.309020" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermDebtInstrumentWeightedAverageTerm.215455.309020" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermDebtInstrumentWeightedAverageTerm.215455.309020">Short Term Debt Instrument Weighted Average Term</link:label>
    <link:loc xlink:label="loc_ShortTermDebtLineItems.5104.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtLineItems.5104.11.6" xlink:to="lab_ShortTermDebtLineItems.17697.309025" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermDebtLineItems.17697.309025" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermDebtLineItems.17697.309025">Short-term Debt [Line Items]</link:label>
    <link:loc xlink:label="loc_ShorttermDebtMaximumMonthendOutstandingAmount.16225.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShorttermDebtMaximumMonthendOutstandingAmount.16225.11.6" xlink:to="lab_ShorttermDebtMaximumMonthendOutstandingAmount.17051" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShorttermDebtMaximumMonthendOutstandingAmount.17051" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShorttermDebtMaximumMonthendOutstandingAmount.17051">Short-term Debt, Maximum Month-end Outstanding Amount</link:label>
    <link:loc xlink:label="loc_ShortTermDebtTypeAxis.5106.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtTypeAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtTypeAxis.5106.11.6" xlink:to="lab_ShortTermDebtTypeAxis.17701.309024" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermDebtTypeAxis.17701.309024" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermDebtTypeAxis.17701.309024">Short-term Debt, Type [Axis]</link:label>
    <link:loc xlink:label="loc_ShortTermDebtTypeDomain.5105.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtTypeDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtTypeDomain.5105.11.6" xlink:to="lab_ShortTermDebtTypeDomain.17700.309033" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermDebtTypeDomain.17700.309033" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermDebtTypeDomain.17700.309033">Short-term Debt, Type [Domain]</link:label>
    <link:loc xlink:label="loc_ShortTermDebtWeightedAverageInterestRate.17080.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtWeightedAverageInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtWeightedAverageInterestRate.17080.11.6" xlink:to="lab_ShortTermDebtWeightedAverageInterestRate.18387" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermDebtWeightedAverageInterestRate.18387" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermDebtWeightedAverageInterestRate.18387">Short-term Debt, Weighted Average Interest Rate</link:label>
    <link:loc xlink:label="loc_ShortTermDebtWeightedAverageInterestRate.17080.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtWeightedAverageInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShortTermDebtWeightedAverageInterestRate.17080.11.7" xlink:to="lab_ShortTermDebtWeightedAverageInterestRate.215461.309030" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShortTermDebtWeightedAverageInterestRate.215461.309030" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShortTermDebtWeightedAverageInterestRate.215461.309030">Interest rate on year end balance</link:label>
    <link:loc xlink:label="loc_ShorttermDebtMaximumMonthendOutstandingAmount.16225.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShorttermDebtMaximumMonthendOutstandingAmount.16225.11.7" xlink:to="ShorttermDebtMaximumMonthendOutstandingAmount.215459.309028" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="ShorttermDebtMaximumMonthendOutstandingAmount.215459.309028" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="ShorttermDebtMaximumMonthendOutstandingAmount.215459.309028">Maximum indebtedness at any month end</link:label>
    <link:loc xlink:label="loc_AdvancesFromFederalHomeLoanBanks.5882.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AdvancesFromFederalHomeLoanBanks.5882.11.9" xlink:to="lab_AdvancesFromFederalHomeLoanBanks.215532.309047" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AdvancesFromFederalHomeLoanBanks.215532.309047" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_AdvancesFromFederalHomeLoanBanks.215532.309047">Total FHLB borrowings</link:label>
    <link:loc xlink:label="loc_BorrowingsAndAdvancesFromFhlbMaturingOvernight.36911.11.6" xlink:href="asrv-20131231.xsd#asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernight" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BorrowingsAndAdvancesFromFhlbMaturingOvernight.36911.11.6" xlink:to="lab_BorrowingsAndAdvancesFromFhlbMaturingOvernight.215490.309037" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BorrowingsAndAdvancesFromFhlbMaturingOvernight.215490.309037" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_BorrowingsAndAdvancesFromFhlbMaturingOvernight.215490.309037">Borrowings And Advances From Fhlb Maturing Overnight</link:label>
    <link:loc xlink:label="loc_BorrowingsAndAdvancesFromFhlbMaturingOvernight.36911.11.12" xlink:href="asrv-20131231.xsd#asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernight" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BorrowingsAndAdvancesFromFhlbMaturingOvernight.36911.11.12" xlink:to="lab_BorrowingsAndAdvancesFromFhlbMaturingOvernight12.219508.309038" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BorrowingsAndAdvancesFromFhlbMaturingOvernight12.219508.309038" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_BorrowingsAndAdvancesFromFhlbMaturingOvernight12.219508.309038">Borrowings And Advances From FHLB Maturing Overnight.</link:label>
    <link:loc xlink:label="loc_BorrowingsAndAdvancesFromFhlbMaturingOvernight.36911.11.7" xlink:href="asrv-20131231.xsd#asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernight" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BorrowingsAndAdvancesFromFhlbMaturingOvernight.36911.11.7" xlink:to="lab_BorrowingsAndAdvancesFromFhlbMaturingOvernight7.215522.309039" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BorrowingsAndAdvancesFromFhlbMaturingOvernight7.215522.309039" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_BorrowingsAndAdvancesFromFhlbMaturingOvernight7.215522.309039">Overnight</link:label>
    <link:loc xlink:label="loc_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate.36910.11.6" xlink:href="asrv-20131231.xsd#asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate.36910.11.6" xlink:to="lab_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate.215497.309034" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate.215497.309034" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate.215497.309034">Borrowings And Advances From Fhlb Maturing Overnight Weighted Average Interest Rate</link:label>
    <link:loc xlink:label="loc_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate.36910.11.12" xlink:href="asrv-20131231.xsd#asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate.36910.11.12" xlink:to="lab_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate12.219509.309035" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate12.219509.309035" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate12.219509.309035">Borrowings And Advances From FHLB Maturing Overnight Weighted Average Interest Rate.</link:label>
    <link:loc xlink:label="loc_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate.36910.11.7" xlink:href="asrv-20131231.xsd#asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate.36910.11.7" xlink:to="lab_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate7.215521.309036" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate7.215521.309036" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate7.215521.309036">Overnight</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesActivityForYearAbstract.2210.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesActivityForYearAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesActivityForYearAbstract.2210.11.7" xlink:to="lab_FederalHomeLoanBankAdvancesActivityForYearAbstract.215495.309052" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesActivityForYearAbstract.215495.309052" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesActivityForYearAbstract.215495.309052">BALANCE</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd.10005.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd.10005.11.6" xlink:to="lab_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd.7161" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd.7161" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd.7161">Federal Home Loan Bank, Advances, Activity for Year, Average Interest Rate at Period End</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd.10005.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd.10005.11.7" xlink:to="lab_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd7.215531.309041" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd7.215531.309041" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd7.215531.309041">Total FHLB borrowings</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate.10022.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate.10022.11.7" xlink:to="lab_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate7.215533.309040" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate7.215533.309040" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate7.215533.309040">Total advances</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.2190.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.2190.11.6" xlink:to="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.7135" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.7135" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.7135">Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures [Abstract]</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.2190.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.2190.11.7" xlink:to="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.215496.309053" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.215496.309053" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.215496.309053">FEDERAL HOME LOAN BANK STOCK:</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesLongTerm.10065.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesLongTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesLongTerm.10065.11.9" xlink:to="lab_FederalHomeLoanBankAdvancesLongTerm.215529.309048" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesLongTerm.215529.309048" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesLongTerm.215529.309048">Total advances</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate.10058.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate.10058.11.7" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate.441985.368850" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate.441985.368850" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate.441985.368850">2018</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate.10058.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate.10058.11.6" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate.6919.190600.308319" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate.6919.190600.308319" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate.6919.190600.308319">Federal Home Loan Bank, Advances, Maturities Summary, Average Interest Rate, after Five Years from Balance Sheet Date</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate.10038.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate.10038.11.7" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate.313819.309045" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate.313819.309045" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate.313819.309045">2017</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate.10038.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate.10038.11.6" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate.459211.190602.308320" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate.459211.190602.308320" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate.459211.190602.308320">Federal Home Loan Bank, Advances, Maturities Summary, Average Interest Rate, Four to Five Years from Balance Sheet Date</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate.10056.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate.10056.11.7" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate.169285.309043" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate.169285.309043" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate.169285.309043">2016</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate.10056.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate.10056.11.6" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate.459209.190604.308322" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate.459209.190604.308322" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate.459209.190604.308322">Federal Home Loan Bank, Advances, Maturities Summary, Average Interest Rate, Three to Four Years from Balance Sheet Date</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate.10042.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate.10042.11.7" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate.169286.309044" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate.169286.309044" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate.169286.309044">2015</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate.10042.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate.10042.11.6" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate.459207.190606.308324" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate.459207.190606.308324" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate.459207.190606.308324">Federal Home Loan Bank, Advances, Maturities Summary, Average Interest Rate, Two to Three Years from Balance Sheet Date</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate.10059.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate.10059.11.7" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate.441980.368851" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate.441980.368851" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate.441980.368851">2018</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate.10059.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate.10059.11.6" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate.6928.190608.308327" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate.6928.190608.308327" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate.6928.190608.308327">Federal Home Loan Bank, Advances, Maturities Summary, Due after Year Five</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate.10036.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate.10036.11.7" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate.407548.309051" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate.407548.309051" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate.407548.309051">2017</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate.10036.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate.10036.11.6" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate.459217.190610.308328" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate.459217.190610.308328" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate.459217.190610.308328">Federal Home Loan Bank, Advances, Maturities Summary, Due in Year Five</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.10064.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.10064.11.7" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.169291.309050" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.169291.309050" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.169291.309050">2016</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.10064.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.10064.11.6" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.459215.190612.308330" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.459215.190612.308330" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.459215.190612.308330">Federal Home Loan Bank, Advances, Maturities Summary, Due in Year Four</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.10067.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.10067.11.7" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.169292.309049" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.169292.309049" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.169292.309049">2015</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.10067.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.10067.11.6" xlink:to="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.459213.190614.308332" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.459213.190614.308332" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.459213.190614.308332">Federal Home Loan Bank, Advances, Maturities Summary, Due in Year Three</link:label>
    <link:loc xlink:label="loc_AdvancesFromFederalHomeLoanBanks.5882.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AdvancesFromFederalHomeLoanBanks.5882.11.6" xlink:to="us-gaap_AdvancesFromFederalHomeLoanBanks_lbl.458803.190616.308334" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_AdvancesFromFederalHomeLoanBanks_lbl.458803.190616.308334" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_AdvancesFromFederalHomeLoanBanks_lbl.458803.190616.308334">Advances from Federal Home Loan Banks</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesActivityForYearAbstract.2210.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesActivityForYearAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesActivityForYearAbstract.2210.11.6" xlink:to="us-gaap_FederalHomeLoanBankAdvancesActivityForYearAbstract_lbl.458800.190618.308337" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FederalHomeLoanBankAdvancesActivityForYearAbstract_lbl.458800.190618.308337" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankAdvancesActivityForYearAbstract_lbl.458800.190618.308337">Federal Home Loan Bank, Advances, Activity for Year [Abstract]</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate.10022.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate.10022.11.6" xlink:to="us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate_lbl.458807.190620.308338" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate_lbl.458807.190620.308338" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate_lbl.458807.190620.308338">Federal Home Loan Bank, Advances, Branch of FHLB Bank, Weighted Average Interest Rate</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesLongTerm.10065.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesLongTerm" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesLongTerm.10065.11.6" xlink:to="us-gaap_FederalHomeLoanBankAdvancesLongTerm_lbl.458160.190814.307832" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FederalHomeLoanBankAdvancesLongTerm_lbl.458160.190814.307832" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankAdvancesLongTerm_lbl.458160.190814.307832">Long-term Federal Home Loan Bank Advances</link:label>
    <link:loc xlink:label="loc_DebtInstrumentAxis.1361.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtInstrumentAxis.1361.11.6" xlink:to="lab_DebtInstrumentAxis.3587.309063" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentAxis.3587.309063" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentAxis.3587.309063">Debt Instrument [Axis]</link:label>
    <link:loc xlink:label="loc_DebtInstrumentCallDateEarliest.7672.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentCallDateEarliest" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtInstrumentCallDateEarliest.7672.11.6" xlink:to="lab_DebtInstrumentCallDateEarliest.3713" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentCallDateEarliest.3713" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentCallDateEarliest.3713">Debt Instrument, Call Date, Earliest</link:label>
    <link:loc xlink:label="loc_DebtInstrumentCallDateEarliest.7672.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentCallDateEarliest" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtInstrumentCallDateEarliest.7672.11.7" xlink:to="lab_DebtInstrumentCallDateEarliest.215539.309058" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentCallDateEarliest.215539.309058" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentCallDateEarliest.215539.309058">Earliest redemption date</link:label>
    <link:loc xlink:label="loc_DebtInstrumentFaceAmount.7642.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentFaceAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtInstrumentFaceAmount.7642.11.6" xlink:to="lab_DebtInstrumentFaceAmount.3669" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentFaceAmount.3669" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentFaceAmount.3669">Debt Instrument, Face Amount</link:label>
    <link:loc xlink:label="loc_DebtInstrumentFaceAmount.7642.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentFaceAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtInstrumentFaceAmount.7642.11.7" xlink:to="lab_DebtInstrumentFaceAmount.215573.309056" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentFaceAmount.215573.309056" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentFaceAmount.215573.309056">Debt instrument, principal amount</link:label>
    <link:loc xlink:label="loc_DebtInstrumentInterestRateStatedPercentage.7726.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtInstrumentInterestRateStatedPercentage.7726.11.6" xlink:to="lab_DebtInstrumentInterestRateStatedPercentage.3777" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentInterestRateStatedPercentage.3777" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentInterestRateStatedPercentage.3777">Debt Instrument, Interest Rate, Stated Percentage</link:label>
    <link:loc xlink:label="loc_DebtInstrumentInterestRateStatedPercentage.7726.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtInstrumentInterestRateStatedPercentage.7726.11.7" xlink:to="lab_DebtInstrumentInterestRateStatedPercentage.215574.309057" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentInterestRateStatedPercentage.215574.309057" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentInterestRateStatedPercentage.215574.309057">Interest rate</link:label>
    <link:loc xlink:label="loc_DebtInstrumentLineItems.1342.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtInstrumentLineItems.1342.11.6" xlink:to="lab_DebtInstrumentLineItems.3528.309064" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentLineItems.3528.309064" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentLineItems.3528.309064">Debt Instrument [Line Items]</link:label>
    <link:loc xlink:label="loc_DebtInstrumentMaturityDate.7758.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentMaturityDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtInstrumentMaturityDate.7758.11.6" xlink:to="lab_DebtInstrumentMaturityDate.3816" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentMaturityDate.3816" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentMaturityDate.3816">Debt Instrument, Maturity Date</link:label>
    <link:loc xlink:label="loc_DebtInstrumentMaturityDate.7758.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentMaturityDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtInstrumentMaturityDate.7758.11.7" xlink:to="lab_DebtInstrumentMaturityDate.222855.309062" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentMaturityDate.222855.309062" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentMaturityDate.222855.309062">Maturity date</link:label>
    <link:loc xlink:label="loc_DebtInstrumentNameDomain.1363.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtInstrumentNameDomain.1363.11.6" xlink:to="lab_DebtInstrumentNameDomain.3620.309065" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentNameDomain.3620.309065" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentNameDomain.3620.309065">Debt Instrument, Name [Domain]</link:label>
    <link:loc xlink:label="loc_DebtInstrumentTable.1343.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtInstrumentTable.1343.11.6" xlink:to="lab_DebtInstrumentTable.3529.309068" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtInstrumentTable.3529.309068" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DebtInstrumentTable.3529.309068">Schedule of Long-term Debt Instruments [Table]</link:label>
    <link:loc xlink:label="loc_DeferredFinanceCostsNet.7864.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredFinanceCostsNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredFinanceCostsNet.7864.11.6" xlink:to="lab_DeferredFinanceCostsNet.3980" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredFinanceCostsNet.3980" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DeferredFinanceCostsNet.3980">Deferred Finance Costs, Net</link:label>
    <link:loc xlink:label="loc_DeferredFinanceCostsNet.7864.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredFinanceCostsNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredFinanceCostsNet.7864.11.7" xlink:to="lab_DeferredFinanceCostsNet.215577.309059" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredFinanceCostsNet.215577.309059" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredFinanceCostsNet.215577.309059">Unamortized deferred issuance costs</link:label>
    <link:loc xlink:label="loc_EarlyRepaymentOfSubordinatedDebt.9067.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarlyRepaymentOfSubordinatedDebt" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarlyRepaymentOfSubordinatedDebt.9067.11.6" xlink:to="lab_EarlyRepaymentOfSubordinatedDebt.5667" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarlyRepaymentOfSubordinatedDebt.5667" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EarlyRepaymentOfSubordinatedDebt.5667">Early Repayment of Subordinated Debt</link:label>
    <link:loc xlink:label="loc_EarlyRepaymentOfSubordinatedDebt.9067.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarlyRepaymentOfSubordinatedDebt" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EarlyRepaymentOfSubordinatedDebt.9067.11.7" xlink:to="lab_EarlyRepaymentOfSubordinatedDebt.215582.309060" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EarlyRepaymentOfSubordinatedDebt.215582.309060" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_EarlyRepaymentOfSubordinatedDebt.215582.309060">Early redemption of debt</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds.9995.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds.9995.11.6" xlink:to="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds.7141" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds.7141" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds.7141">Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds.9995.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds.9995.11.7" xlink:to="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds.215569.309066" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds.215569.309066" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds.215569.309066">Overnight borrowing capability at the FHLB</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable.10057.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable.10057.11.6" xlink:to="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable.7241" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable.7241" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable.7241">Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available</link:label>
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable.10057.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable.10057.11.7" xlink:to="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable7.215572.309067" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable7.215572.309067" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable7.215572.309067">Unsecured federal funds lines with correspondent banks</link:label>
    <link:loc xlink:label="loc_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember.36912.11.6" xlink:href="asrv-20131231.xsd#asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember.36912.11.6" xlink:to="lab_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember.215536.309054" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember.215536.309054" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember.215536.309054">Guaranteed Junior Subordinated Deferrable Interest Debentures [Member]</link:label>
    <link:loc xlink:label="loc_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember.36912.11.12" xlink:href="asrv-20131231.xsd#asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember.36912.11.12" xlink:to="lab_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember12.215537.309055" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember12.215537.309055" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember12.215537.309055">Guaranteed Junior Subordinated Deferrable Interest Debentures [Member]</link:label>
    <link:loc xlink:label="loc_JuniorSubordinatedNotes.12033.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_JuniorSubordinatedNotes" xlink:type="locator" />
    <link:labelArc xlink:from="loc_JuniorSubordinatedNotes.12033.11.7" xlink:to="lab_JuniorSubordinatedNotes.215549.309061" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_JuniorSubordinatedNotes.215549.309061" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_JuniorSubordinatedNotes.215549.309061">Guaranteed junior subordinated deferrable interest debentures</link:label>
    <link:loc xlink:label="loc_JuniorSubordinatedNotes.12033.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_JuniorSubordinatedNotes" xlink:type="locator" />
    <link:labelArc xlink:from="loc_JuniorSubordinatedNotes.12033.11.6" xlink:to="us-gaap_JuniorSubordinatedNotes_lbl.458163.190831.307849" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_JuniorSubordinatedNotes_lbl.458163.190831.307849" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_JuniorSubordinatedNotes_lbl.458163.190831.307849">Junior Subordinated Notes</link:label>
    <link:loc xlink:label="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems.2051.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems.2051.11.6" xlink:to="lab_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems.6333.309069" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems.6333.309069" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems.6333.309069">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</link:label>
    <link:loc xlink:label="loc_ReceivablesFairValueDisclosure.15563.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivablesFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ReceivablesFairValueDisclosure.15563.11.6" xlink:to="lab_ReceivablesFairValueDisclosure.15998" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ReceivablesFairValueDisclosure.15998" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ReceivablesFairValueDisclosure.15998">Receivables, Fair Value Disclosure</link:label>
    <link:loc xlink:label="loc_ReceivablesFairValueDisclosure.15563.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivablesFairValueDisclosure" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ReceivablesFairValueDisclosure.15563.11.8" xlink:to="lab_ReceivablesFairValueDisclosure8.223039.309070" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ReceivablesFairValueDisclosure8.223039.309070" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ReceivablesFairValueDisclosure8.223039.309070">Net fair value of impaired loans</link:label>
    <link:loc xlink:label="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.11.6" xlink:to="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_lbl.458953.190489.308157" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_lbl.458953.190489.308157" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_lbl.458953.190489.308157">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Table]</link:label>
    <link:loc xlink:label="loc_FairValueByMeasurementFrequencyAxis.1988.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueByMeasurementFrequencyAxis.1988.11.6" xlink:to="us-gaap_FairValueByMeasurementFrequencyAxis_lbl.458970.190492.308160" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueByMeasurementFrequencyAxis_lbl.458970.190492.308160" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueByMeasurementFrequencyAxis_lbl.458970.190492.308160">Fair Value by Measurement Frequency [Axis]</link:label>
    <link:loc xlink:label="loc_FairValueMeasurementFrequencyDomain.2021.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueMeasurementFrequencyDomain.2021.11.6" xlink:to="us-gaap_FairValueMeasurementFrequencyDomain_lbl.458972.190497.308166" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueMeasurementFrequencyDomain_lbl.458972.190497.308166" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueMeasurementFrequencyDomain_lbl.458972.190497.308166">Fair Value Measurement Frequency [Domain]</link:label>
    <link:loc xlink:label="loc_FairValueMeasurementsNonrecurringMember.2056.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsNonrecurringMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueMeasurementsNonrecurringMember.2056.11.6" xlink:to="us-gaap_FairValueMeasurementsNonrecurringMember_lbl.458974.190472.308188" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_FairValueMeasurementsNonrecurringMember_lbl.458974.190472.308188" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_FairValueMeasurementsNonrecurringMember_lbl.458974.190472.308188">Fair Value Measurements Nonrecurring [Member]</link:label>
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRelatedAllowance.10998.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ImpairedFinancingReceivableRelatedAllowance.10998.11.7" xlink:to="us-gaap_ImpairedFinancingReceivableRelatedAllowance_lbl.458686.190743.308268" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ImpairedFinancingReceivableRelatedAllowance_lbl.458686.190743.308268" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ImpairedFinancingReceivableRelatedAllowance_lbl.458686.190743.308268">Specific valuation allowance</link:label>
    <link:loc xlink:label="loc_CurrentIncomeTaxExpenseBenefit.7543.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CurrentIncomeTaxExpenseBenefit.7543.11.6" xlink:to="lab_CurrentIncomeTaxExpenseBenefit.3527" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CurrentIncomeTaxExpenseBenefit.3527" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CurrentIncomeTaxExpenseBenefit.3527">Current Income Tax Expense (Benefit)</link:label>
    <link:loc xlink:label="loc_CurrentIncomeTaxExpenseBenefit.7543.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CurrentIncomeTaxExpenseBenefit.7543.11.8" xlink:to="lab_CurrentIncomeTaxExpenseBenefit8.216279.309071" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CurrentIncomeTaxExpenseBenefit8.216279.309071" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CurrentIncomeTaxExpenseBenefit8.216279.309071">Current</link:label>
    <link:loc xlink:label="loc_DeferredIncomeTaxExpenseBenefit.7887.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredIncomeTaxExpenseBenefit.7887.11.7" xlink:to="lab_DeferredIncomeTaxExpenseBenefit.215732.309072" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredIncomeTaxExpenseBenefit.215732.309072" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredIncomeTaxExpenseBenefit.215732.309072">Deferred</link:label>
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefit.11134.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxExpenseBenefit.11134.11.9" xlink:to="lab_Incometaxexpense.215733.309073" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Incometaxexpense.215733.309073" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_Incometaxexpense.215733.309073">Income tax expense</link:label>
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract.1776.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract.1776.11.7" xlink:to="EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract.215743.309079" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract.215743.309079" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract.215743.309079">RATE</link:label>
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateContinuingOperations.9118.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EffectiveIncomeTaxRateContinuingOperations.9118.11.6" xlink:to="lab_EffectiveIncomeTaxRateContinuingOperations.5761" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EffectiveIncomeTaxRateContinuingOperations.5761" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EffectiveIncomeTaxRateContinuingOperations.5761">Effective Income Tax Rate Reconciliation, Percent</link:label>
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateContinuingOperations.9118.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EffectiveIncomeTaxRateContinuingOperations.9118.11.9" xlink:to="lab_EffectiveIncomeTaxRateContinuingOperations.215741.309077" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EffectiveIncomeTaxRateContinuingOperations.215741.309077" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_EffectiveIncomeTaxRateContinuingOperations.215741.309077">Total expense for income taxes</link:label>
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract.1776.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract.1776.11.6" xlink:to="lab_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract.5769" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract.5769" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract.5769">Effective Income Tax Rate Reconciliation, Percent [Abstract]</link:label>
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.9141.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.9141.11.6" xlink:to="lab_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.5791" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.5791" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.5791">Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent</link:label>
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.9141.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.9141.11.7" xlink:to="lab_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.215736.309074" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.215736.309074" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.215736.309074">Income tax expense based on federal statutory rate</link:label>
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateReconciliationOtherAdjustments.9135.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EffectiveIncomeTaxRateReconciliationOtherAdjustments.9135.11.6" xlink:to="lab_EffectiveIncomeTaxRateReconciliationOtherAdjustments.5784" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EffectiveIncomeTaxRateReconciliationOtherAdjustments.5784" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EffectiveIncomeTaxRateReconciliationOtherAdjustments.5784">Effective Income Tax Rate Reconciliation, Other Adjustments, Percent</link:label>
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateReconciliationOtherAdjustments.9135.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EffectiveIncomeTaxRateReconciliationOtherAdjustments.9135.11.7" xlink:to="lab_EffectiveIncomeTaxRateReconciliationOtherAdjustments.215740.309076" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EffectiveIncomeTaxRateReconciliationOtherAdjustments.215740.309076" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_EffectiveIncomeTaxRateReconciliationOtherAdjustments.215740.309076">Other</link:label>
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateReconciliationTaxExemptIncome.9167.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EffectiveIncomeTaxRateReconciliationTaxExemptIncome.9167.11.6" xlink:to="lab_EffectiveIncomeTaxRateReconciliationTaxExemptIncome.5825" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EffectiveIncomeTaxRateReconciliationTaxExemptIncome.5825" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EffectiveIncomeTaxRateReconciliationTaxExemptIncome.5825">Effective Income Tax Rate Reconciliation, Tax Exempt Income, Percent</link:label>
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateReconciliationTaxExemptIncome.9167.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EffectiveIncomeTaxRateReconciliationTaxExemptIncome.9167.11.52" xlink:to="lab_EffectiveIncomeTaxRateReconciliationTaxExemptIncome.215738.309075" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EffectiveIncomeTaxRateReconciliationTaxExemptIncome.215738.309075" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_EffectiveIncomeTaxRateReconciliationTaxExemptIncome.215738.309075">Tax exempt income</link:label>
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract.2690.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract.2690.11.6" xlink:to="lab_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract.8977" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract.8977" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract.8977">Effective Income Tax Rate Reconciliation, Amount [Abstract]</link:label>
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract.2690.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract.2690.11.7" xlink:to="lab_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract.215742.309078" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract.215742.309078" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract.215742.309078">AMOUNT</link:label>
    <link:loc xlink:label="loc_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate.11195.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate.11195.11.6" xlink:to="lab_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate.9033" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate.9033" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate.9033">Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount</link:label>
    <link:loc xlink:label="loc_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate.11195.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate.11195.11.7" xlink:to="lab_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate.215735.309080" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate.215735.309080" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate.215735.309080">Income tax expense based on federal statutory rate</link:label>
    <link:loc xlink:label="loc_IncomeTaxReconciliationOtherReconcilingItems.11181.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxReconciliationOtherReconcilingItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxReconciliationOtherReconcilingItems.11181.11.6" xlink:to="lab_IncomeTaxReconciliationOtherReconcilingItems.9011" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeTaxReconciliationOtherReconcilingItems.9011" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxReconciliationOtherReconcilingItems.9011">Effective Income Tax Rate Reconciliation, Other Reconciling Items, Amount</link:label>
    <link:loc xlink:label="loc_IncomeTaxReconciliationOtherReconcilingItems.11181.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxReconciliationOtherReconcilingItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxReconciliationOtherReconcilingItems.11181.11.7" xlink:to="lab_IncomeTaxReconciliationOtherReconcilingItems.215739.309082" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeTaxReconciliationOtherReconcilingItems.215739.309082" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxReconciliationOtherReconcilingItems.215739.309082">Other</link:label>
    <link:loc xlink:label="loc_IncomeTaxReconciliationTaxExemptIncome.11209.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxReconciliationTaxExemptIncome.11209.11.6" xlink:to="lab_IncomeTaxReconciliationTaxExemptIncome.9054" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeTaxReconciliationTaxExemptIncome.9054" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxReconciliationTaxExemptIncome.9054">Effective Income Tax Rate Reconciliation, Tax Exempt Income, Amount</link:label>
    <link:loc xlink:label="loc_IncomeTaxReconciliationTaxExemptIncome.11209.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxReconciliationTaxExemptIncome.11209.11.52" xlink:to="lab_IncomeTaxReconciliationTaxExemptIncome46.215737.309081" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeTaxReconciliationTaxExemptIncome46.215737.309081" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxReconciliationTaxExemptIncome46.215737.309081">Tax exempt income</link:label>
    <link:loc xlink:label="loc_DeferredTaxLiabilitiesInvestments.7784.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxLiabilitiesInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxLiabilitiesInvestments.7784.11.52" xlink:to="DeferredTaxLiabilitiesInvestments.215755.309083" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="DeferredTaxLiabilitiesInvestments.215755.309083" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="DeferredTaxLiabilitiesInvestments.215755.309083">Investment accretion</link:label>
    <link:loc xlink:label="loc_DeferredIncomeTaxLiabilities.7858.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredIncomeTaxLiabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredIncomeTaxLiabilities.7858.11.6" xlink:to="lab_DeferredIncomeTaxLiabilities.3968" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredIncomeTaxLiabilities.3968" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DeferredIncomeTaxLiabilities.3968">Deferred Tax Liabilities, Gross</link:label>
    <link:loc xlink:label="loc_DeferredIncomeTaxLiabilities.7858.11.55" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredIncomeTaxLiabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredIncomeTaxLiabilities.7858.11.55" xlink:to="lab_DeferredIncomeTaxLiabilities45.215757.309086" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredIncomeTaxLiabilities45.215757.309086" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredIncomeTaxLiabilities45.215757.309086">Total tax liabilities</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsLiabilitiesNet.7910.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsLiabilitiesNet.7910.11.9" xlink:to="lab_DeferredTaxAssetsLiabilitiesNet.215758.309097" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsLiabilitiesNet.215758.309097" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsLiabilitiesNet.215758.309097">Net deferred tax asset</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsNet.7976.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsNet.7976.11.9" xlink:to="lab_DeferredTaxAssetsNet.215753.309094" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsNet.215753.309094" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsNet.215753.309094">Total tax assets</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsNetAbstract.1447.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsNetAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsNetAbstract.1447.11.6" xlink:to="lab_DeferredTaxAssetsNetAbstract.4167" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsNetAbstract.4167" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsNetAbstract.4167">Deferred Tax Assets, Net [Abstract]</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsNetAbstract.1447.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsNetAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsNetAbstract.1447.11.7" xlink:to="lab_DeferredTaxAssetsNetAbstract.215745.309095" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsNetAbstract.215745.309095" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsNetAbstract.215745.309095">DEFERRED TAX ASSETS:</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsOperatingLossCarryforwards.7993.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsOperatingLossCarryforwards.7993.11.6" xlink:to="lab_DeferredTaxAssetsOperatingLossCarryforwards.4190" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsOperatingLossCarryforwards.4190" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsOperatingLossCarryforwards.4190">Deferred Tax Assets, Operating Loss Carryforwards</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsOperatingLossCarryforwards.7993.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsOperatingLossCarryforwards.7993.11.7" xlink:to="lab_DeferredTaxAssetsOperatingLossCarryforwards.215749.309091" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsOperatingLossCarryforwards.215749.309091" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsOperatingLossCarryforwards.215749.309091">Net operating loss carryforwards</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsOther.7967.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsOther" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsOther.7967.11.6" xlink:to="lab_DeferredTaxAssetsOther.4150" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsOther.4150" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsOther.4150">Deferred Tax Assets, Other</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsOther.7967.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsOther" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsOther.7967.11.7" xlink:to="lab_DeferredTaxAssetsOther.215751.309093" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsOther.215751.309093" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsOther.215751.309093">Other</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsPropertyPlantAndEquipment.7775.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsPropertyPlantAndEquipment.7775.11.6" xlink:to="lab_DeferredTaxAssetsPropertyPlantAndEquipment.3838" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsPropertyPlantAndEquipment.3838" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsPropertyPlantAndEquipment.3838">Deferred Tax Assets, Property, Plant and Equipment</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsPropertyPlantAndEquipment.7775.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsPropertyPlantAndEquipment.7775.11.7" xlink:to="lab_DeferredTaxAssetsPropertyPlantAndEquipment.215747.309089" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsPropertyPlantAndEquipment.215747.309089" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsPropertyPlantAndEquipment.215747.309089">Premises and equipment</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax.7994.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax.7994.11.6" xlink:to="lab_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax.4192" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax.4192" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax.4192">Deferred Tax Assets, Tax Credit Carryforwards, Alternative Minimum Tax</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax.7994.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax.7994.11.7" xlink:to="lab_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax.215750.309092" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax.215750.309092" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax.215750.309092">Alternative minimum tax credits</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions.8000.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions.8000.11.6" xlink:to="lab_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions.4200" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions.4200" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions.4200">Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits, Pensions</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions.8000.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions.8000.11.7" xlink:to="lab_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions.215748.309090" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions.215748.309090" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions.215748.309090">Accrued pension obligation</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves.8038.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves.8038.11.6" xlink:to="lab_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves.4246" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves.4246" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves.4246">Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Loss Reserves</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves.8038.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves.8038.11.7" xlink:to="lab_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves.215744.309088" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves.215744.309088" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves.215744.309088">Unfunded commitment reserve</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses.8019.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses.8019.11.6" xlink:to="lab_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses.4221" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses.4221" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses.4221">Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Provision for Loan Losses</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses.8019.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses.8019.11.7" xlink:to="lab_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses.215746.309087" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses.215746.309087" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses.215746.309087">Allowance for loan losses</link:label>
    <link:loc xlink:label="loc_DeferredTaxLiabilitiesInvestments.7784.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxLiabilitiesInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxLiabilitiesInvestments.7784.11.6" xlink:to="lab_DeferredTaxLiabilitiesInvestments.3848" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxLiabilitiesInvestments.3848" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxLiabilitiesInvestments.3848">Deferred Tax Liabilities, Investments</link:label>
    <link:loc xlink:label="loc_DeferredTaxLiabilitiesNetAbstract.1399.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxLiabilitiesNetAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxLiabilitiesNetAbstract.1399.11.6" xlink:to="lab_DeferredTaxLiabilitiesNetAbstract.3935" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxLiabilitiesNetAbstract.3935" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxLiabilitiesNetAbstract.3935">Deferred Tax Liabilities, Net [Abstract]</link:label>
    <link:loc xlink:label="loc_DeferredTaxLiabilitiesNetAbstract.1399.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxLiabilitiesNetAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxLiabilitiesNetAbstract.1399.11.7" xlink:to="lab_DeferredTaxLiabilitiesNetAbstract.215754.309096" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxLiabilitiesNetAbstract.215754.309096" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxLiabilitiesNetAbstract.215754.309096">DEFERRED TAX LIABILITIES:</link:label>
    <link:loc xlink:label="loc_DeferredTaxLiabilitiesOther.8014.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxLiabilitiesOther" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxLiabilitiesOther.8014.11.6" xlink:to="lab_DeferredTaxLiabilitiesOther.4216" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxLiabilitiesOther.4216" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxLiabilitiesOther.4216">Deferred Tax Liabilities, Other</link:label>
    <link:loc xlink:label="loc_DeferredTaxLiabilitiesOther.8014.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxLiabilitiesOther" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxLiabilitiesOther.8014.11.52" xlink:to="lab_DeferredTaxLiabilitiesOther42.215752.309085" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxLiabilitiesOther42.215752.309085" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxLiabilitiesOther42.215752.309085">Other</link:label>
    <link:loc xlink:label="loc_DeferredTaxLiabilitiesOtherComprehensiveIncome.8023.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxLiabilitiesOtherComprehensiveIncome.8023.11.6" xlink:to="lab_DeferredTaxLiabilitiesOtherComprehensiveIncome.4226" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxLiabilitiesOtherComprehensiveIncome.4226" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxLiabilitiesOtherComprehensiveIncome.4226">Deferred Tax Liabilities, Other Comprehensive Income</link:label>
    <link:loc xlink:label="loc_DeferredTaxLiabilitiesOtherComprehensiveIncome.8023.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxLiabilitiesOtherComprehensiveIncome.8023.11.52" xlink:to="lab_DeferredTaxLiabilitiesOtherComprehensiveIncome42.215756.309084" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredTaxLiabilitiesOtherComprehensiveIncome42.215756.309084" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredTaxLiabilitiesOtherComprehensiveIncome42.215756.309084">Unrealized investment security gains</link:label>
    <link:loc xlink:label="loc_DeferredTaxAssetsNet.7976.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredTaxAssetsNet.7976.11.6" xlink:to="us-gaap_DeferredTaxAssetsNet_lbl.458137.190810.307828" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DeferredTaxAssetsNet_lbl.458137.190810.307828" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_DeferredTaxAssetsNet_lbl.458137.190810.307828">Deferred Tax Assets, Net of Valuation Allowance</link:label>
    <link:loc xlink:label="loc_DeferredIncomeTaxExpenseBenefit.7887.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredIncomeTaxExpenseBenefit.7887.11.52" xlink:to="lab_DeferredIncomeTaxExpenseBenefit42.215760.309099" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredIncomeTaxExpenseBenefit42.215760.309099" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredIncomeTaxExpenseBenefit42.215760.309099">Deferred provision for income taxes</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInDeferredIncomeTaxes.11309.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredIncomeTaxes" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInDeferredIncomeTaxes.11309.11.6" xlink:to="lab_IncreaseDecreaseInDeferredIncomeTaxes.9190" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncreaseDecreaseInDeferredIncomeTaxes.9190" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInDeferredIncomeTaxes.9190">Increase (Decrease) in Deferred Income Taxes</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInDeferredIncomeTaxes.11309.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredIncomeTaxes" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInDeferredIncomeTaxes.11309.11.9" xlink:to="lab_IncreaseDecreaseInDeferredIncomeTaxes9.215761.309100" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncreaseDecreaseInDeferredIncomeTaxes9.215761.309100" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInDeferredIncomeTaxes9.215761.309100">Net (decrease)</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent.14120.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent.14120.11.6" xlink:to="lab_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent.13740" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent.13740" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent.13740">Other Comprehensive Income (Loss), Available-for-sale Securities, Tax, Portion Attributable to Parent</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent.14120.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent.14120.11.52" xlink:to="lab_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent42.222620.309101" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent42.222620.309101" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent42.222620.309101">Unrealized gains recognized in comprehensive income</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.14116.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.14116.11.7" xlink:to="lab_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.215759.309098" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.215759.309098" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.215759.309098">Pension obligation of the defined benefit plan not yet recognized in income</link:label>
    <link:loc xlink:label="loc_OperatingLossCarryforwards.13619.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLossCarryforwards" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLossCarryforwards.13619.11.6" xlink:to="lab_OperatingLossCarryforwards.12910" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLossCarryforwards.12910" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLossCarryforwards.12910">Operating Loss Carryforwards</link:label>
    <link:loc xlink:label="loc_OperatingLossCarryforwards.13619.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLossCarryforwards" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLossCarryforwards.13619.11.7" xlink:to="lab_OperatingLossCarryforwards.215764.309103" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLossCarryforwards.215764.309103" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLossCarryforwards.215764.309103">Net operating loss carryforwards</link:label>
    <link:loc xlink:label="loc_OperatingLossCarryforwardsExpirationDate.13603.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLossCarryforwardsExpirationDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLossCarryforwardsExpirationDate.13603.11.6" xlink:to="lab_OperatingLossCarryforwardsExpirationDate.12881" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLossCarryforwardsExpirationDate.12881" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLossCarryforwardsExpirationDate.12881">Operating Loss Carryforwards, Expiration Date</link:label>
    <link:loc xlink:label="loc_OperatingLossCarryforwardsExpirationDate.13603.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLossCarryforwardsExpirationDate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLossCarryforwardsExpirationDate.13603.11.7" xlink:to="lab_OperatingLossCarryforwardsExpirationDate.309352" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLossCarryforwardsExpirationDate.309352" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLossCarryforwardsExpirationDate.309352">Net operating loss carryforwards, expiration date</link:label>
    <link:loc xlink:label="loc_TaxCreditCarryforwardAmount.17468.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TaxCreditCarryforwardAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TaxCreditCarryforwardAmount.17468.11.6" xlink:to="lab_TaxCreditCarryforwardAmount.19002" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TaxCreditCarryforwardAmount.19002" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TaxCreditCarryforwardAmount.19002">Tax Credit Carryforward, Amount</link:label>
    <link:loc xlink:label="loc_TaxCreditCarryforwardAmount.17468.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TaxCreditCarryforwardAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TaxCreditCarryforwardAmount.17468.11.7" xlink:to="lab_TaxCreditCarryforwardAmount.215763.309102" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TaxCreditCarryforwardAmount.215763.309102" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_TaxCreditCarryforwardAmount.215763.309102">Alternative minimum tax credit carryforwards</link:label>
    <link:loc xlink:label="loc_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock.16313.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock.16313.11.6" xlink:to="lab_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock.17193" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock.17193" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock.17193">Schedule of Accumulated and Projected Benefit Obligations [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock.16313.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock.16313.11.7" xlink:to="lab_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock.219045.309116" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock.219045.309116" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock.219045.309116">Schedule of Accumulated Benefit Obligation</link:label>
    <link:loc xlink:label="loc_ScheduleOfAllocationOfPlanAssetsTableTextBlock.16359.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAllocationOfPlanAssetsTableTextBlock.16359.11.6" xlink:to="lab_ScheduleOfAllocationOfPlanAssetsTableTextBlock.17250" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAllocationOfPlanAssetsTableTextBlock.17250" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAllocationOfPlanAssetsTableTextBlock.17250">Schedule of Allocation of Plan Assets [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfAllocationOfPlanAssetsTableTextBlock.16359.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAllocationOfPlanAssetsTableTextBlock.16359.11.7" xlink:to="lab_ScheduleOfAllocationOfPlanAssetsTableTextBlock.219054.309119" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAllocationOfPlanAssetsTableTextBlock.219054.309119" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAllocationOfPlanAssetsTableTextBlock.219054.309119">Schedule of Plan's Asset Allocations</link:label>
    <link:loc xlink:label="loc_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock.16395.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock.16395.11.6" xlink:to="lab_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock.16628.191394.307775" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock.16628.191394.307775" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock.16628.191394.307775">Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock.16395.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock.16395.11.7" xlink:to="lab_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock.511838.191395.307776" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock.511838.191395.307776" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock.511838.191395.307776">Schedule of Amounts Not Yet Recognized as a Component of Net Periodic Pension Cost</link:label>
    <link:loc xlink:label="loc_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock.36913.11.6" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock.36913.11.6" xlink:to="lab_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock.219017.309105" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock.219017.309105" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock.219017.309105">Schedule Of Assumptions Used To Calculate Benefit Obligations [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock.36913.11.12" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock.36913.11.12" xlink:to="lab_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock12.219018.309106" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock12.219018.309106" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock12.219018.309106">Tabular disclosure of the assumptions used to determine for pension plans and/or other employee benefit plans the benefit obligation, including assumed discount rates, rate increase in compensation increase, and expected long-term rates of return on plan assets.</link:label>
    <link:loc xlink:label="loc_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock.36913.11.7" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock.36913.11.7" xlink:to="lab_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock7.219047.309107" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock7.219047.309107" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock7.219047.309107">Schedule of Weighted Average Assumptions Used to Determine Benefit Obligations</link:label>
    <link:loc xlink:label="loc_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock.36914.11.6" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock.36914.11.6" xlink:to="lab_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock.219021.309108" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock.219021.309108" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock.219021.309108">Schedule Of Assumptions Used To Calculate Net Periodic Benefit Cost [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock.36914.11.12" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock.36914.11.12" xlink:to="lab_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock12.219022.309109" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock12.219022.309109" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock12.219022.309109">Tabular disclosure of the assumptions used to determine for pension plans and/or other employee benefit plans the net periodic benefit cost, including assumed discount rates, rate increase in compensation increase, and expected long-term rates of return on plan assets.</link:label>
    <link:loc xlink:label="loc_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock.36914.11.7" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock.36914.11.7" xlink:to="lab_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock7.219049.309110" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock7.219049.309110" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock7.219049.309110">Schedule of Weighted-Average Assumptions Used to Determine Net Periodic Benefit Cost</link:label>
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock.16440.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock.16440.11.6" xlink:to="lab_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock.17357" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock.17357" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock.17357">Schedule of Defined Benefit Plan Amounts Recognized in Other Comprehensive Income (Loss) [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock.16440.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock.16440.11.7" xlink:to="lab_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock.219020.309118" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock.219020.309118" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock.219020.309118">Schedule of Other Changes in Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income (Loss)</link:label>
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.16471.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.16471.11.6" xlink:to="lab_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.17403" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.17403" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.17403">Schedule of Defined Benefit Plans Disclosures [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.16471.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.16471.11.7" xlink:to="lab_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.219042.309115" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.219042.309115" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.219042.309115">Schedule of Changes in Benefit Obligations and Plan Assets and Funded Status</link:label>
    <link:loc xlink:label="loc_ScheduleOfExpectedBenefitPaymentsTableTextBlock.16450.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfExpectedBenefitPaymentsTableTextBlock.16450.11.6" xlink:to="lab_ScheduleOfExpectedBenefitPaymentsTableTextBlock.17372" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfExpectedBenefitPaymentsTableTextBlock.17372" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfExpectedBenefitPaymentsTableTextBlock.17372">Schedule of Expected Benefit Payments [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfExpectedBenefitPaymentsTableTextBlock.16450.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfExpectedBenefitPaymentsTableTextBlock.16450.11.7" xlink:to="lab_ScheduleOfExpectedBenefitPaymentsTableTextBlock.219056.309120" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfExpectedBenefitPaymentsTableTextBlock.219056.309120" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfExpectedBenefitPaymentsTableTextBlock.219056.309120">Schedule of Estimated Future Benefit Payments</link:label>
    <link:loc xlink:label="loc_ScheduleOfFairValueOfPlanAssetsTableTextBlock.36915.11.6" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfFairValueOfPlanAssetsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFairValueOfPlanAssetsTableTextBlock.36915.11.6" xlink:to="lab_ScheduleOfFairValueOfPlanAssetsTableTextBlock.219031.309111" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfFairValueOfPlanAssetsTableTextBlock.219031.309111" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfFairValueOfPlanAssetsTableTextBlock.219031.309111">Schedule Of Fair Value Of Plan Assets [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfFairValueOfPlanAssetsTableTextBlock.36915.11.12" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfFairValueOfPlanAssetsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFairValueOfPlanAssetsTableTextBlock.36915.11.12" xlink:to="lab_ScheduleOfFairValueOfPlanAssetsTableTextBlock12.219039.309112" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfFairValueOfPlanAssetsTableTextBlock12.219039.309112" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfFairValueOfPlanAssetsTableTextBlock12.219039.309112">Schedule Of Fair Value Of Plan Assets [Table Text Block]</link:label>
    <link:loc xlink:label="loc_ScheduleOfFairValueOfPlanAssetsTableTextBlock.36915.11.7" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfFairValueOfPlanAssetsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfFairValueOfPlanAssetsTableTextBlock.36915.11.7" xlink:to="lab_ScheduleOfFairValueOfPlanAssetsTableTextBlock7.219055.309113" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfFairValueOfPlanAssetsTableTextBlock7.219055.309113" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfFairValueOfPlanAssetsTableTextBlock7.219055.309113">Schedule of Assets Measured at Fair Value</link:label>
    <link:loc xlink:label="loc_ScheduleOfNetBenefitCostsTableTextBlock.16336.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfNetBenefitCostsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfNetBenefitCostsTableTextBlock.16336.11.7" xlink:to="lab_ScheduleOfNetBenefitCostsTableTextBlock.219019.309117" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfNetBenefitCostsTableTextBlock.219019.309117" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfNetBenefitCostsTableTextBlock.219019.309117">Schedule of Components of Net Periodic Benefit Cost</link:label>
    <link:loc xlink:label="loc_ScheduleOfNetBenefitCostsTableTextBlock.16336.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfNetBenefitCostsTableTextBlock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfNetBenefitCostsTableTextBlock.16336.11.6" xlink:to="us-gaap_ScheduleOfNetBenefitCostsTableTextBlock_lbl.458474.191274.308646" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfNetBenefitCostsTableTextBlock_lbl.458474.191274.308646" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfNetBenefitCostsTableTextBlock_lbl.458474.191274.308646">Schedule of Net Benefit Costs [Table Text Block]</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.36920.11.7" xlink:href="asrv-20131231.xsd#asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.36920.11.7" xlink:to="lab_AllowanceForLoanLossesString.222618.309133" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AllowanceForLoanLossesString.222618.309133" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AllowanceForLoanLossesString.222618.309133">Contribution for union members</link:label>
    <link:loc xlink:label="loc_DebtSecuritiesMember.1364.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecuritiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DebtSecuritiesMember.1364.11.6" xlink:to="lab_DebtSecuritiesMember.216824.309151" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DebtSecuritiesMember.216824.309151" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DebtSecuritiesMember.216824.309151">Fixed Income Securities [Member]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.8163.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.8163.11.6" xlink:to="lab_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.4416" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.4416" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.4416">Defined Benefit Plan, Amount of Employer and Related Party Securities Included in Plan Assets</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.8163.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.8163.11.7" xlink:to="lab_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.216300.309137" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.216300.309137" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.216300.309137">AmeriServ Financial, Inc. common stock held</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.8128.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.8128.11.6" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.4368" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.4368" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.4368">Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Expected Long-term Return on Assets</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.8128.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.8128.11.7" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.216810.309140" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.216810.309140" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.216810.309140">Expected return on plan assets</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.11.6" xlink:to="lab_DefinedBenefitPlanByPlanAssetCategoriesAxis.4397.309154" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanByPlanAssetCategoriesAxis.4397.309154" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanByPlanAssetCategoriesAxis.4397.309154">Defined Benefit Plan, Asset Categories [Axis]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.11.7" xlink:to="lab_DefinedBenefitPlanDisclosureLineItems.216799.309153" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanDisclosureLineItems.216799.309153" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanDisclosureLineItems.216799.309153">PENSION PLANS:</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.11.6" xlink:to="lab_DefinedBenefitPlanDisclosureLineItems.4234.309168" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanDisclosureLineItems.4234.309168" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanDisclosureLineItems.4234.309168">Defined Benefit Plan Disclosure [Line Items]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.36918.11.6" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.36918.11.6" xlink:to="lab_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.216301.309127" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.216301.309127" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.216301.309127">Defined Benefit Plan Maximum Percent Of Assets Comprised Of Entity Common Stock</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.36918.11.12" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.36918.11.12" xlink:to="lab_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock12.216804.309128" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock12.216804.309128" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock12.216804.309128">Defined Benefit Plan, Maximum Percent Of Assets Comprised Of Entity Common Stock.</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.36918.11.7" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.36918.11.7" xlink:to="lab_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock7.216805.309129" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock7.216805.309129" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock7.216805.309129">Maximum percent of plan assets comprised of AmeriServ Financial, Inc. common stock</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.36916.11.6" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.36916.11.6" xlink:to="lab_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.309121" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.309121" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.309121">Defined Benefit Plan Minimum Number Of Annual Employee Hours</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.36916.11.12" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.36916.11.12" xlink:to="lab_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours12.216800.309122" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours12.216800.309122" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours12.216800.309122">Defined Benefit Plan, Minimum Number Of Annual Employee Hours.</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.36916.11.7" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.36916.11.7" xlink:to="lab_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours7.216802.309123" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours7.216802.309123" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours7.216802.309123">Minimum number of annual hours</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.37134.11.6" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.37134.11.6" xlink:to="lab_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.311730" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.311730" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.311730">Defined Benefit Plan Percent Of Assets Comprised Of Entity Common Stock</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.37134.11.7" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.37134.11.7" xlink:to="lab_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.311732" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.311732" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.311732">Percent of plan assets comprised of common stock</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.37134.11.12" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.37134.11.12" xlink:to="lab_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.311731" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.311731" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.311731">The percentage of assets comprised of common stock.</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.11.6" xlink:to="lab_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.4300.309152" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.4300.309152" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.4300.309152">Defined Benefit Plans and Other Postretirement Benefit Plans [Axis]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlansDomain.1509.11.6" xlink:to="lab_DefinedBenefitPlansDomain.4332.309145" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlansDomain.4332.309145" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlansDomain.4332.309145">Defined Benefit Plans and Other Postretirement Benefit Plans [Domain]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear.8083.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear.8083.11.6" xlink:to="lab_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear.4308" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear.4308" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear.4308">Defined Benefit Plans, Estimated Future Employer Contributions in Next Fiscal Year</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear.8083.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear.8083.11.7" xlink:to="lab_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear.309356" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear.309356" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear.309356">Expected contribution in 2014</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanTargetPlanAssetAllocations.8172.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanTargetPlanAssetAllocations" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanTargetPlanAssetAllocations.8172.11.7" xlink:to="lab_DefinedBenefitPlanTargetPlanAssetAllocations.216302.309141" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanTargetPlanAssetAllocations.216302.309141" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanTargetPlanAssetAllocations.216302.309141">Target allocation</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.8136.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.8136.11.6" xlink:to="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.4378" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.4378" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.4378">Defined Benefit Plan, Target Plan Asset Allocations Range Maximum</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.8136.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.8136.11.7" xlink:to="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.216813.309143" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.216813.309143" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.216813.309143">Target allocation, maximum</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.8115.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.8115.11.6" xlink:to="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.4349" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.4349" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.4349">Defined Benefit Plan, Target Plan Asset Allocations Range Minimum</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.8115.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.8115.11.7" xlink:to="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.216811.309142" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.216811.309142" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.216811.309142">Target allocation, minimum</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanVestingPeriod.36917.11.6" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanVestingPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanVestingPeriod.36917.11.6" xlink:to="lab_DefinedBenefitPlanVestingPeriod.216299.309124" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanVestingPeriod.216299.309124" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanVestingPeriod.216299.309124">Defined Benefit Plan Vesting Period</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanVestingPeriod.36917.11.12" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanVestingPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanVestingPeriod.36917.11.12" xlink:to="lab_DefinedBenefitPlanVestingPeriod12.216801.309125" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanVestingPeriod12.216801.309125" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanVestingPeriod12.216801.309125">Defined Benefit Plan, Vesting Period.</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanVestingPeriod.36917.11.7" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanVestingPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanVestingPeriod.36917.11.7" xlink:to="lab_DefinedBenefitPlanVestingPeriod7.216803.309126" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanVestingPeriod7.216803.309126" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanVestingPeriod7.216803.309126">Vesting term</link:label>
    <link:loc xlink:label="loc_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.1514.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.1514.11.6" xlink:to="lab_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.4555" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.4555" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.4555">Defined Contribution Pension and Other Postretirement Plans Disclosure [Abstract]</link:label>
    <link:loc xlink:label="loc_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.1514.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.1514.11.7" xlink:to="lab_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.216815.309136" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.216815.309136" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.216815.309136">401(k) PLAN:</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.36919.11.6" xlink:href="asrv-20131231.xsd#asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.36919.11.6" xlink:to="lab_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.216797.309130" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.216797.309130" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.216797.309130">Defined Contribution Plan Amount Of Entity Common Stock And Securities Held</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.36919.11.12" xlink:href="asrv-20131231.xsd#asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.36919.11.12" xlink:to="lab_DefinedContributionPlanAmountOfEntityCommonStockHeld12.216823.309131" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanAmountOfEntityCommonStockHeld12.216823.309131" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanAmountOfEntityCommonStockHeld12.216823.309131">Defined Contribution Plan, Amount Of Entity Common Stock And Securities Held.</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.36919.11.7" xlink:href="asrv-20131231.xsd#asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.36919.11.7" xlink:to="lab_DefinedContributionPlanAmountOfEntityCommonStockHeld7.216821.309132" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanAmountOfEntityCommonStockHeld7.216821.309132" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanAmountOfEntityCommonStockHeld7.216821.309132">AmeriServ Financial, Inc. common stock and Trust Preferred securities held</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanCostRecognized.8247.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedContributionPlanCostRecognized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanCostRecognized.8247.11.6" xlink:to="lab_DefinedContributionPlanCostRecognized.4524" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanCostRecognized.4524" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanCostRecognized.4524">Defined Contribution Plan, Cost Recognized</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanCostRecognized.8247.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedContributionPlanCostRecognized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanCostRecognized.8247.11.7" xlink:to="lab_DefinedContributionPlanCostRecognized.216817.309146" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanCostRecognized.216817.309146" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanCostRecognized.216817.309146">Contributions to charged to operations</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch.8132.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch.8132.11.6" xlink:to="lab_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch.4372" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch.4372" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch.4372">Defined Contribution Plan, Employer Matching Contribution, Percent of Match</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch.8132.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch.8132.11.7" xlink:to="lab_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch.368856" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch.368856" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch.368856">Employer match percentage</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.36920.11.6" xlink:href="asrv-20131231.xsd#asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.36920.11.6" xlink:to="lab_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.218694.309134" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.218694.309134" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.218694.309134">Defined Contribution Plan Maximum Annual Contribution Per Union Employee Percent</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent.8094.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent.8094.11.6" xlink:to="lab_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent.4321" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent.4321" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent.4321">Defined Contribution Plan, Maximum Annual Contributions Per Employee, Percent</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent.8094.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent.8094.11.7" xlink:to="lab_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent.309354" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent.309354" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent.309354">Maximum percent of salary</link:label>
    <link:loc xlink:label="loc_EquitySecuritiesMember.1886.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquitySecuritiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EquitySecuritiesMember.1886.11.6" xlink:to="lab_EquitySecuritiesMember.216921.309150" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EquitySecuritiesMember.216921.309150" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EquitySecuritiesMember.216921.309150">Domestic Equities [Member]</link:label>
    <link:loc xlink:label="loc_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.36920.11.12" xlink:href="asrv-20131231.xsd#asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.36920.11.12" xlink:to="lab_LoansAndRelatedAllowanceForLoanLossesAbstract.222619.309135" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndRelatedAllowanceForLoanLossesAbstract.222619.309135" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndRelatedAllowanceForLoanLossesAbstract.222619.309135">Maximum percentage of union employee gross pay, by the terms of the plan, that the employer may contribute to a defined contribution plan.</link:label>
    <link:loc xlink:label="loc_PlanAssetCategoriesDomain.4030.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PlanAssetCategoriesDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PlanAssetCategoriesDomain.4030.11.6" xlink:to="lab_PlanAssetCategoriesDomain.13741.309149" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PlanAssetCategoriesDomain.13741.309149" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PlanAssetCategoriesDomain.13741.309149">Plan Asset Categories [Domain]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanTargetPlanAssetAllocations.8172.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanTargetPlanAssetAllocations" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanTargetPlanAssetAllocations.8172.11.6" xlink:to="us-gaap_DefinedBenefitPlanTargetPlanAssetAllocations_lbl.458951.190764.308643" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DefinedBenefitPlanTargetPlanAssetAllocations_lbl.458951.190764.308643" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanTargetPlanAssetAllocations_lbl.458951.190764.308643">Defined Benefit Plan, Target Plan Asset Allocations</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanActualReturnOnPlanAssets.8157.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanActualReturnOnPlanAssets.8157.11.6" xlink:to="lab_DefinedBenefitPlanActualReturnOnPlanAssets.4408" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanActualReturnOnPlanAssets.4408" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanActualReturnOnPlanAssets.4408">Defined Benefit Plan, Actual Return on Plan Assets</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanActualReturnOnPlanAssets.8157.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanActualReturnOnPlanAssets.8157.11.7" xlink:to="lab_DefinedBenefitPlanActualReturnOnPlanAssets.216838.309156" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanActualReturnOnPlanAssets.216838.309156" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanActualReturnOnPlanAssets.216838.309156">Actual return on plan assets</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanActuarialGainLoss.8119.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanActuarialGainLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanActuarialGainLoss.8119.11.7" xlink:to="lab_DefinedBenefitPlanActuarialGainLoss.374265" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanActuarialGainLoss.374265" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanActuarialGainLoss.374265">Actuarial (gain) loss</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitObligation.8096.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitObligation" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanBenefitObligation.8096.11.6" xlink:to="lab_DefinedBenefitPlanBenefitObligation.4323" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanBenefitObligation.4323" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanBenefitObligation.4323">Defined Benefit Plan, Benefit Obligation</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitObligation.8096.11.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitObligation" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanBenefitObligation.8096.11.10" xlink:to="lab_DefinedBenefitPlanBenefitObligation.216841.309160" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanBenefitObligation.216841.309160" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanBenefitObligation.216841.309160">Benefit obligation at beginning of year</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitObligation.8096.11.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitObligation" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanBenefitObligation.8096.11.11" xlink:to="lab_DefinedBenefitPlanBenefitObligation.216843.309164" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanBenefitObligation.216843.309164" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanBenefitObligation.216843.309164">Benefit obligation at end of year</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitsPaid.8167.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitsPaid" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanBenefitsPaid.8167.11.6" xlink:to="lab_DefinedBenefitPlanBenefitsPaid.4422" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanBenefitsPaid.4422" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanBenefitsPaid.4422">Defined Benefit Plan, Benefits Paid</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitsPaid.8167.11.57" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitsPaid" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanBenefitsPaid.8167.11.57" xlink:to="lab_DefinedBenefitPlanBenefitsPaid.216839.309158" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanBenefitsPaid.216839.309158" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanBenefitsPaid.216839.309158">Benefits paid</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitsPaid.8167.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitsPaid" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanBenefitsPaid.8167.11.52" xlink:to="lab_DefinedBenefitPlanBenefitsPaid42.216837.309163" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanBenefitsPaid42.216837.309163" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanBenefitsPaid42.216837.309163">Benefits paid</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.11.6" xlink:to="lab_DefinedBenefitPlanChangeInBenefitObligationRollForward.4332" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanChangeInBenefitObligationRollForward.4332" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanChangeInBenefitObligationRollForward.4332">Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.11.7" xlink:to="lab_DefinedBenefitPlanChangeInBenefitObligationRollForward.216833.309165" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanChangeInBenefitObligationRollForward.216833.309165" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanChangeInBenefitObligationRollForward.216833.309165">CHANGE IN BENEFIT OBLIGATION:</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.11.6" xlink:to="lab_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.4440" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.4440" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.4440">Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.11.7" xlink:to="lab_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.216834.309166" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.216834.309166" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.216834.309166">CHANGE IN PLAN ASSETS:</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanContributionsByEmployer.8217.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanContributionsByEmployer.8217.11.6" xlink:to="lab_DefinedBenefitPlanContributionsByEmployer.4486" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanContributionsByEmployer.4486" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanContributionsByEmployer.4486">Defined Benefit Plan, Contributions by Employer</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanContributionsByEmployer.8217.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanContributionsByEmployer.8217.11.7" xlink:to="lab_DefinedBenefitPlanContributionsByEmployer.216845.309157" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanContributionsByEmployer.216845.309157" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanContributionsByEmployer.216845.309157">Employer contributions</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.11.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.11.10" xlink:to="lab_DefinedBenefitPlanFairValueOfPlanAssets.216844.309155" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanFairValueOfPlanAssets.216844.309155" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanFairValueOfPlanAssets.216844.309155">Fair value of plan assets at beginning of year</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.11.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.11.11" xlink:to="lab_DefinedBenefitPlanFairValueOfPlanAssets.216846.309159" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanFairValueOfPlanAssets.216846.309159" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanFairValueOfPlanAssets.216846.309159">Fair value of plan assets at end of year</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanFundedStatusOfPlan.8199.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFundedStatusOfPlan" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanFundedStatusOfPlan.8199.11.6" xlink:to="lab_DefinedBenefitPlanFundedStatusOfPlan.4462" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanFundedStatusOfPlan.4462" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanFundedStatusOfPlan.4462">Defined Benefit Plan, Funded Status of Plan</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanFundedStatusOfPlan.8199.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFundedStatusOfPlan" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanFundedStatusOfPlan.8199.11.9" xlink:to="lab_DefinedBenefitPlanFundedStatusOfPlan.216847.309167" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanFundedStatusOfPlan.216847.309167" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanFundedStatusOfPlan.216847.309167">Funded status of the plan-under funded</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanInterestCost.8212.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanInterestCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanInterestCost.8212.11.7" xlink:to="lab_DefinedBenefitPlanInterestCost.216836.309162" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanInterestCost.216836.309162" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanInterestCost.216836.309162">Interest cost</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanServiceCost.8191.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanServiceCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanServiceCost.8191.11.7" xlink:to="lab_DefinedBenefitPlanServiceCost.216835.309161" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanServiceCost.216835.309161" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanServiceCost.216835.309161">Service cost</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanActuarialGainLoss.8119.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanActuarialGainLoss" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanActuarialGainLoss.8119.11.6" xlink:to="us-gaap_DefinedBenefitPlanActuarialGainLoss_lbl.458925.190508.308607" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DefinedBenefitPlanActuarialGainLoss_lbl.458925.190508.308607" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanActuarialGainLoss_lbl.458925.190508.308607">Defined Benefit Plan, Actuarial Gain (Loss)</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanInterestCost.8212.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanInterestCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanInterestCost.8212.11.6" xlink:to="us-gaap_DefinedBenefitPlanInterestCost_lbl.458918.190514.308616" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DefinedBenefitPlanInterestCost_lbl.458918.190514.308616" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanInterestCost_lbl.458918.190514.308616">Defined Benefit Plan, Interest Cost</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanServiceCost.8191.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanServiceCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanServiceCost.8191.11.6" xlink:to="us-gaap_DefinedBenefitPlanServiceCost_lbl.458916.190520.308622" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DefinedBenefitPlanServiceCost_lbl.458916.190520.308622" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanServiceCost_lbl.458916.190520.308622">Defined Benefit Plan, Service Cost</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.8082.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.8082.11.6" xlink:to="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.4306" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.4306" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.4306">Defined Benefit Plan, Accumulated Other Comprehensive Income (Loss), after Tax</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.8082.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.8082.11.9" xlink:to="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.216862.309172" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.216862.309172" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.216862.309172">Total</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.1482.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.1482.11.6" xlink:to="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.4392" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.4392" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.4392">Defined Benefit Plan, Accumulated Other Comprehensive Income (Loss), after Tax [Abstract]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.1482.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.1482.11.7" xlink:to="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.216864.309173" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.216864.309173" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.216864.309173">Amounts recognized in accumulated other comprehensive loss consists of:</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax.8107.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax.8107.11.6" xlink:to="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax.4341" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax.4341" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax.4341">Defined Benefit Plan, Accumulated Other Comprehensive Income Net Gains (Losses), after Tax</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax.8107.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax.8107.11.52" xlink:to="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax42.216861.309171" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax42.216861.309171" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax42.216861.309171">Net actuarial loss</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.8173.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.8173.11.6" xlink:to="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.4431" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.4431" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.4431">Defined Benefit Plan, Accumulated Other Comprehensive Income Net Prior Service Cost (Credit), after Tax</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.8173.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.8173.11.7" xlink:to="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.216860.309170" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.216860.309170" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.216860.309170">Prior service cost</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax.8150.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax.8150.11.6" xlink:to="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax.4400" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax.4400" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax.4400">Defined Benefit Plan, Accumulated Other Comprehensive Income Net Transition Assets (Obligations), after Tax</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax.8150.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax.8150.11.52" xlink:to="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax42.216859.309169" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax42.216859.309169" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax42.216859.309169">Transition asset</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedBenefitObligation.8169.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAccumulatedBenefitObligation.8169.11.6" xlink:to="lab_DefinedBenefitPlanAccumulatedBenefitObligation.4425" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAccumulatedBenefitObligation.4425" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAccumulatedBenefitObligation.4425">Defined Benefit Plan, Accumulated Benefit Obligation</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedBenefitObligation.8169.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAccumulatedBenefitObligation.8169.11.7" xlink:to="lab_DefinedBenefitPlanAccumulatedBenefitObligation.216865.309174" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAccumulatedBenefitObligation.216865.309174" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAccumulatedBenefitObligation.216865.309174">Accumulated benefit obligation</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.8123.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.8123.11.6" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.4362" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.4362" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.4362">Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Discount Rate</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.8123.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.8123.11.7" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate7.216869.309176" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate7.216869.309176" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate7.216869.309176">Discount rate</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.8160.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.8160.11.6" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.4413" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.4413" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.4413">Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Rate of Compensation Increase</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.8160.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.8160.11.7" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.216870.309177" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.216870.309177" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.216870.309177">Salary scale</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.1504.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.1504.11.6" xlink:to="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.4525" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.4525" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.4525">Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Benefit Obligation [Abstract]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.1504.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.1504.11.7" xlink:to="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.216868.309175" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.216868.309175" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.216868.309175">WEIGHTED AVERAGE ASSUMPTIONS:</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfGainsLosses.8134.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAmortizationOfGainsLosses.8134.11.6" xlink:to="lab_DefinedBenefitPlanAmortizationOfGainsLosses.4375" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAmortizationOfGainsLosses.4375" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAmortizationOfGainsLosses.4375">Defined Benefit Plan, Amortization of Gains (Losses)</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfGainsLosses.8134.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAmortizationOfGainsLosses.8134.11.52" xlink:to="lab_DefinedBenefitPlanAmortizationOfGainsLosses46.216880.309181" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAmortizationOfGainsLosses46.216880.309181" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAmortizationOfGainsLosses46.216880.309181">Recognized net actuarial loss</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit.8099.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit.8099.11.7" xlink:to="lab_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit.216878.309179" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit.216878.309179" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit.216878.309179">Amortization of prior year service cost</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets.8156.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets.8156.11.7" xlink:to="lab_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets.216879.309180" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets.216879.309180" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets.216879.309180">Amortization of transition asset</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.11.7" xlink:to="lab_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.216876.309178" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.216876.309178" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.216876.309178">COMPONENTS OF NET PERIODIC BENEFIT COST:</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit.8099.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit.8099.11.6" xlink:to="us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_lbl.458922.191437.308610" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_lbl.458922.191437.308610" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_lbl.458922.191437.308610">Defined Benefit Plan, Amortization of Prior Service Cost (Credit)</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets.8156.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets.8156.11.6" xlink:to="us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets_lbl.458924.191438.308612" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets_lbl.458924.191438.308612" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets_lbl.458924.191438.308612">Defined Benefit Plan, Amortization of Transition Obligations (Assets)</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedReturnOnPlanAssets.8235.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedReturnOnPlanAssets.8235.11.6" xlink:to="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl.458919.190512.308613" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl.458919.190512.308613" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl.458919.190512.308613">Defined Benefit Plan, Expected Return on Plan Assets</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedReturnOnPlanAssets.8235.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedReturnOnPlanAssets.8235.11.52" xlink:to="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl.458920.190513.308614" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl.458920.190513.308614" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_lbl.458920.190513.308614">Expected return on plan assets</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanNetPeriodicBenefitCost.8223.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCost.8223.11.6" xlink:to="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl.458927.190516.308617" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl.458927.190516.308617" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl.458927.190516.308617">Defined Benefit Plan, Net Periodic Benefit Cost</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanNetPeriodicBenefitCost.8223.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCost.8223.11.9" xlink:to="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl.458928.190517.308618" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl.458928.190517.308618" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_lbl.458928.190517.308618">Net periodic pension cost</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.11.6" xlink:to="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract_lbl.458914.190518.308620" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract_lbl.458914.190518.308620" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract_lbl.458914.190518.308620">Defined Benefit Plan, Net Periodic Benefit Cost [Abstract]</link:label>
    <link:loc xlink:label="loc_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax.6004.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax.6004.11.6" xlink:to="lab_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax.980" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax.980" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax.980">Amount Recognized in Net Periodic Benefit Cost and Other Comprehensive Income (Loss), before Tax</link:label>
    <link:loc xlink:label="loc_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax.6004.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax.6004.11.9" xlink:to="lab_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax.216909.309184" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax.216909.309184" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax.216909.309184">Total recognized in net benefit cost and other comprehensive loss before tax effect</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.11.6" xlink:to="lab_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.13354" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.13354" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.13354">Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Adjustment, before Tax, [Abstract]</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.11.7" xlink:to="lab_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.216897.309183" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.216897.309183" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.216897.309183">OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE INCOME (LOSS)</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.13799.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.13799.11.6" xlink:to="lab_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.13205" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.13205" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.13205">Other Comprehensive (Income) Loss, Amortization Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Prior Service Cost (Credit), before Tax</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.13799.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.13799.11.52" xlink:to="lab_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.309358" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.309358" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.309358">Recognized prior service cost</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.13724.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.13724.11.6" xlink:to="lab_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.13086" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.13086" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.13086">Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Adjustment, before Tax</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.13724.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.13724.11.9" xlink:to="lab_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.216908.309189" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.216908.309189" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.216908.309189">Total recognized in other comprehensive loss before tax effect</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax.13816.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax.13816.11.6" xlink:to="lab_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax.13238" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax.13238" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax.13238">Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Net Unamortized Gain (Loss) Arising During Period, before Tax</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax.13816.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax.13816.11.52" xlink:to="lab_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax42.216905.309185" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax42.216905.309185" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax42.216905.309185">Net (gain) loss</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.13723.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.13723.11.8" xlink:to="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.309362" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.309362" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.309362">Recognized loss</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.13678.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.13678.11.6" xlink:to="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.13012" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.13012" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.13012">Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Transition Asset (Obligation), before Tax</link:label>
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.13678.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.13678.11.7" xlink:to="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.309360" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.309360" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.309360">Recognized net initial asset</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.8139.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.8139.11.6" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.4383" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.4383" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.4383">Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Discount Rate</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.8139.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.8139.11.7" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.216911.309191" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.216911.309191" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.216911.309191">Discount rate</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.8170.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.8170.11.6" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.4426" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.4426" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.4426">Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Rate of Compensation Increase</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.8170.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.8170.11.7" xlink:to="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.216912.309192" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.216912.309192" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.216912.309192">Rate of compensation increase</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.1512.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.1512.11.6" xlink:to="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.4548" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.4548" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.4548">Defined Benefit Plan, Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.1512.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.1512.11.7" xlink:to="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.216910.309190" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.216910.309190" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.216910.309190">WEIGHTED AVERAGE ASSUMPTIONS:</link:label>
    <link:loc xlink:label="loc_AmeriservFinancialIncCommonStockMember.36921.11.6" xlink:href="asrv-20131231.xsd#asrv_AmeriservFinancialIncCommonStockMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmeriservFinancialIncCommonStockMember.36921.11.6" xlink:to="lab_AmeriservFinancialIncCommonStockMember.222565.309193" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AmeriservFinancialIncCommonStockMember.222565.309193" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AmeriservFinancialIncCommonStockMember.222565.309193">Ameriserv Financial, Inc. Common Stock [Member]</link:label>
    <link:loc xlink:label="loc_AmeriservFinancialIncCommonStockMember.36921.11.12" xlink:href="asrv-20131231.xsd#asrv_AmeriservFinancialIncCommonStockMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmeriservFinancialIncCommonStockMember.36921.11.12" xlink:to="lab_AmeriservFinancialIncCommonStockMember12.222566.309194" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AmeriservFinancialIncCommonStockMember12.222566.309194" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_AmeriservFinancialIncCommonStockMember12.222566.309194">Amerserv Financial, Inc. Common Stock [Member]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanWeightedAverageAssetAllocations.8258.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssetAllocations.8258.11.6" xlink:to="lab_DefinedBenefitPlanWeightedAverageAssetAllocations.4541" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanWeightedAverageAssetAllocations.4541" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanWeightedAverageAssetAllocations.4541">Defined Benefit Plan, Actual Plan Asset Allocations</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanWeightedAverageAssetAllocations.8258.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssetAllocations.8258.11.7" xlink:to="lab_DefinedBenefitPlanWeightedAverageAssetAllocations.216917.309197" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanWeightedAverageAssetAllocations.216917.309197" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanWeightedAverageAssetAllocations.216917.309197">Asset allocations</link:label>
    <link:loc xlink:label="loc_FairValueInputsLevel1Member.2138.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueInputsLevel1Member.2138.11.7" xlink:to="FairValueInputsLevel1Member.216936.309202" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="FairValueInputsLevel1Member.216936.309202" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="FairValueInputsLevel1Member.216936.309202">Level 1 [Member]</link:label>
    <link:loc xlink:label="loc_CashAndCashEquivalentsMember.941.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CashAndCashEquivalentsMember.941.11.6" xlink:to="lab_CashAndCashEquivalentsMember.2261.309198" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CashAndCashEquivalentsMember.2261.309198" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CashAndCashEquivalentsMember.2261.309198">Cash and Cash Equivalents [Member]</link:label>
    <link:loc xlink:label="loc_CorporateDebtSecuritiesMember.1234.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateDebtSecuritiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CorporateDebtSecuritiesMember.1234.11.6" xlink:to="lab_CorporateDebtSecuritiesMember.216925.309200" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CorporateDebtSecuritiesMember.216925.309200" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CorporateDebtSecuritiesMember.216925.309200">Corporate Bonds [Member]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.11.6" xlink:to="lab_DefinedBenefitPlanFairValueOfPlanAssets.4482" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanFairValueOfPlanAssets.4482" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanFairValueOfPlanAssets.4482">Defined Benefit Plan, Fair Value of Plan Assets</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.11.7" xlink:to="lab_DefinedBenefitPlanFairValueOfPlanAssets.216934.309201" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanFairValueOfPlanAssets.216934.309201" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanFairValueOfPlanAssets.216934.309201">Fair value of plan assets</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1497.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1497.11.6" xlink:to="lab_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.4477" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.4477" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.4477">Defined Benefit Plan, Information about Plan Assets [Abstract]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1497.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1497.11.7" xlink:to="lab_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.216916.309196" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.216916.309196" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.216916.309196">PLAN ASSETS:</link:label>
    <link:loc xlink:label="loc_ExchangeTradedFundsMember.1913.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ExchangeTradedFundsMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ExchangeTradedFundsMember.1913.11.6" xlink:to="lab_ExchangeTradedFundsMember.216923.309199" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ExchangeTradedFundsMember.216923.309199" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ExchangeTradedFundsMember.216923.309199">Mutual Funds/ETFs [Member]</link:label>
    <link:loc xlink:label="loc_FairValueInputsLevel2Member.2139.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueInputsLevel2Member.2139.11.7" xlink:to="lab_FairValueInputsLevel2Member.216937.309203" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueInputsLevel2Member.216937.309203" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FairValueInputsLevel2Member.216937.309203">Level 2 [Member]</link:label>
    <link:loc xlink:label="loc_InternationalEquitySecuritiesMember.36922.11.6" xlink:href="asrv-20131231.xsd#asrv_InternationalEquitySecuritiesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InternationalEquitySecuritiesMember.36922.11.6" xlink:to="lab_InternationalEquitySecuritiesMember.408180.309195" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InternationalEquitySecuritiesMember.408180.309195" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InternationalEquitySecuritiesMember.408180.309195">International Equity Securities [Member]</link:label>
    <link:loc xlink:label="loc_USTreasuryAndGovernmentMember.5486.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USTreasuryAndGovernmentMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_USTreasuryAndGovernmentMember.5486.11.6" xlink:to="lab_USTreasuryAndGovernmentMember.216924.309204" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_USTreasuryAndGovernmentMember.216924.309204" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_USTreasuryAndGovernmentMember.216924.309204">Agencies [Member]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.11.6" xlink:to="lab_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.4444" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.4444" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.4444">Defined Benefit Plan, Expected Future Benefit Payments, Fiscal Year Maturity [Abstract]</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.11.7" xlink:to="lab_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.216939.309205" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.216939.309205" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.216939.309205">ESTIMATED FUTURE BENEFIT PAYMENTS</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.8174.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.8174.11.6" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.4432" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.4432" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.4432">Defined Benefit Plan, Expected Future Benefit Payments, Five Fiscal Years Thereafter</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.8174.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.8174.11.7" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.216946.309211" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.216946.309211" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.216946.309211">2019- 2023</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.8155.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.8155.11.6" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.4405" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.4405" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.4405">Defined Benefit Plan, Expected Future Benefit Payments, Next Twelve Months</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.8155.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.8155.11.7" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.216941.309206" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.216941.309206" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.216941.309206">2014</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.8126.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.8126.11.6" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.4366" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.4366" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.4366">Defined Benefit Plan, Expected Future Benefit Payments, Year Five</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.8126.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.8126.11.7" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.216945.309210" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.216945.309210" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.216945.309210">2018</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.8144.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.8144.11.6" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.4390" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.4390" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.4390">Defined Benefit Plan, Expected Future Benefit Payments, Year Four</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.8144.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.8144.11.7" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.216944.309209" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.216944.309209" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.216944.309209">2017</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.8095.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.8095.11.6" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.4322" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.4322" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.4322">Defined Benefit Plan, Expected Future Benefit Payments, Year Three</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.8095.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.8095.11.7" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.216943.309208" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.216943.309208" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.216943.309208">2016</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.8122.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.8122.11.6" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.4361" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.4361" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.4361">Defined Benefit Plan, Expected Future Benefit Payments, Year Two</link:label>
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.8122.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.8122.11.7" xlink:to="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.216942.309207" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.216942.309207" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.216942.309207">2015</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueAbstract.3681.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueAbstract.3681.11.6" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueAbstract.12823" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueAbstract.12823" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueAbstract.12823">Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueAbstract.3681.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueAbstract.3681.11.7" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueAbstract.216957.309212" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueAbstract.216957.309212" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueAbstract.216957.309212">FUTURE MINIMUM LEASE PAYMENTS</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueCurrent.13585.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueCurrent.13585.11.6" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueCurrent.12855" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueCurrent.12855" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueCurrent.12855">Operating Leases, Future Minimum Payments Due, Next Twelve Months</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueCurrent.13585.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueCurrent.13585.11.7" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueCurrent7.216958.309214" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueCurrent7.216958.309214" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueCurrent7.216958.309214">2014</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.13574.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.13574.11.6" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.12834" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.12834" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.12834">Operating Leases, Future Minimum Payments, Due in Five Years</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.13574.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.13574.11.7" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.216964.309218" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.216964.309218" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.216964.309218">2018</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInFourYears.13569.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueInFourYears.13569.11.6" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueInFourYears.12826" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueInFourYears.12826" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueInFourYears.12826">Operating Leases, Future Minimum Payments, Due in Four Years</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInFourYears.13569.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueInFourYears.13569.11.7" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueInFourYears.216963.309217" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueInFourYears.216963.309217" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueInFourYears.216963.309217">2017</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.13581.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.13581.11.6" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.12846" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.12846" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.12846">Operating Leases, Future Minimum Payments, Due in Three Years</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.13581.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.13581.11.7" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.216962.309216" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.216962.309216" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.216962.309216">2016</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.13613.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.13613.11.6" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.12900" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.12900" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.12900">Operating Leases, Future Minimum Payments, Due in Two Years</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.13613.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.13613.11.7" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.216960.309215" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.216960.309215" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.216960.309215">2015</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueThereafter.13567.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueThereafter.13567.11.6" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueThereafter.12821" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueThereafter.12821" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueThereafter.12821">Operating Leases, Future Minimum Payments, Due Thereafter</link:label>
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueThereafter.13567.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueThereafter.13567.11.7" xlink:to="lab_OperatingLeasesFutureMinimumPaymentsDueThereafter.216965.309219" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesFutureMinimumPaymentsDueThereafter.216965.309219" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesFutureMinimumPaymentsDueThereafter.216965.309219">2019 and thereafter</link:label>
    <link:loc xlink:label="loc_OperatingLeasesRentExpenseNet.13584.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesRentExpenseNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesRentExpenseNet.13584.11.6" xlink:to="lab_OperatingLeasesRentExpenseNet.12851" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesRentExpenseNet.12851" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesRentExpenseNet.12851">Operating Leases, Rent Expense, Net</link:label>
    <link:loc xlink:label="loc_OperatingLeasesRentExpenseNet.13584.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesRentExpenseNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OperatingLeasesRentExpenseNet.13584.11.7" xlink:to="lab_OperatingLeasesRentExpenseNet.216966.309213" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OperatingLeasesRentExpenseNet.216966.309213" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OperatingLeasesRentExpenseNet.216966.309213">Rent expense included in total non-interest expense</link:label>
    <link:loc xlink:label="loc_AllocatedShareBasedCompensationExpense.5919.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllocatedShareBasedCompensationExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AllocatedShareBasedCompensationExpense.5919.11.6" xlink:to="lab_AllocatedShareBasedCompensationExpense.837" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AllocatedShareBasedCompensationExpense.837" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AllocatedShareBasedCompensationExpense.837">Allocated Share-based Compensation Expense</link:label>
    <link:loc xlink:label="loc_AllocatedShareBasedCompensationExpense.5919.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllocatedShareBasedCompensationExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AllocatedShareBasedCompensationExpense.5919.11.7" xlink:to="lab_AllocatedShareBasedCompensationExpense7.212351.308932" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AllocatedShareBasedCompensationExpense7.212351.308932" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AllocatedShareBasedCompensationExpense7.212351.308932">Pretax compensation expense</link:label>
    <link:loc xlink:label="loc_RangeOneMember.36924.11.6" xlink:href="asrv-20131231.xsd#asrv_RangeOneMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RangeOneMember.36924.11.6" xlink:to="lab_RangeOneMember.217168.309223" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RangeOneMember.217168.309223" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RangeOneMember.217168.309223">Range One [Member]</link:label>
    <link:loc xlink:label="loc_RangeOneMember.36924.11.12" xlink:href="asrv-20131231.xsd#asrv_RangeOneMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RangeOneMember.36924.11.12" xlink:to="lab_RangeOneMember12.217209.309224" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RangeOneMember12.217209.309224" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_RangeOneMember12.217209.309224">Range One [Member]</link:label>
    <link:loc xlink:label="loc_RangeTwoMember.36925.11.6" xlink:href="asrv-20131231.xsd#asrv_RangeTwoMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RangeTwoMember.36925.11.6" xlink:to="lab_RangeTwoMember.217169.309225" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RangeTwoMember.217169.309225" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RangeTwoMember.217169.309225">Range Two [Member]</link:label>
    <link:loc xlink:label="loc_RangeTwoMember.36925.11.12" xlink:href="asrv-20131231.xsd#asrv_RangeTwoMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RangeTwoMember.36925.11.12" xlink:to="lab_RangeTwoMember12.217208.309226" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RangeTwoMember12.217208.309226" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_RangeTwoMember12.217208.309226">Range Two [Member]</link:label>
    <link:loc xlink:label="loc_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable.4894.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable.4894.11.6" xlink:to="lab_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable.16882.309230" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable.16882.309230" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable.16882.309230">Schedule of Share-based Compensation, Shares Authorized under Stock Option Plans, by Exercise Price Range [Table]</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1.16907.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1.16907.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1.18147" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1.18147" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1.18147">Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1.16907.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1.16907.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1.217192.309229" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1.217192.309229" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1.217192.309229">Vesting period</link:label>
    <link:loc xlink:label="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod.16212.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod.16212.11.6" xlink:to="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod.17024" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod.17024" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod.17024">Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period</link:label>
    <link:loc xlink:label="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod.16212.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod.16212.11.7" xlink:to="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod.315392" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod.315392" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod.315392">Maximum contractual term</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized.16973.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized.16973.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized.18227" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized.18227" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized.18227">Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized.16973.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized.16973.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized.217189.309227" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized.217189.309227" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized.217189.309227">Common stock reserved for issuances</link:label>
    <link:loc xlink:label="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent.16208.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent.16208.11.6" xlink:to="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent.17016" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent.17016" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent.17016">Share-based Compensation Arrangement by Share-based Payment Award, Purchase Price of Common Stock, Percent</link:label>
    <link:loc xlink:label="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent.16208.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent.16208.11.7" xlink:to="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent.217190.309228" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent.217190.309228" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent.217190.309228">Option price as a percentage of fair market value per share of common stock on the Grant Date</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis.5083.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis.5083.11.6" xlink:to="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis.17542.309231" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis.17542.309231" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis.17542.309231">Exercise Price Range [Axis]</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain.5084.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain.5084.11.6" xlink:to="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain.17553.309233" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain.17553.309233" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain.17553.309233">Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Domain]</link:label>
    <link:loc xlink:label="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1.16196.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1.16196.11.6" xlink:to="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1.17001" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1.17001" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1.17001">Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Exercisable Options, Weighted Average Exercise Price</link:label>
    <link:loc xlink:label="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1.16196.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1.16196.11.7" xlink:to="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1.217204.309238" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1.217204.309238" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1.217204.309238">Weighted average exercise price of options outstanding and exercisable</link:label>
    <link:loc xlink:label="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2.16200.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2.16200.11.6" xlink:to="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2.17005" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2.17005" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2.17005">Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Exercisable Options, Weighted Average Remaining Contractual Term</link:label>
    <link:loc xlink:label="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2.16200.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2.16200.11.7" xlink:to="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2.217206.309240" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2.217206.309240" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2.217206.309240">Weighted average remaining contractual life of options outstanding and exercisable</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.11.6" xlink:to="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.17550.309232" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.17550.309232" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.17550.309232">Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit.17007.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit.17007.11.6" xlink:to="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit.18282" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit.18282" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit.18282">Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Lower Range Limit</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit.17007.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit.17007.11.7" xlink:to="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit7.217202.309235" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit7.217202.309235" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit7.217202.309235">Exercise price, minimum</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions.17018.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions.17018.11.6" xlink:to="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions.18297" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions.18297" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions.18297">Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions.17018.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions.17018.11.7" xlink:to="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions.217200.309234" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions.217200.309234" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions.217200.309234">Number of options outstanding and exercisable</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions.17016.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions.17016.11.6" xlink:to="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions.18293" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions.18293" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions.18293">Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Outstanding Options</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions.17016.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions.17016.11.7" xlink:to="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions.217201.309237" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions.217201.309237" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions.217201.309237">Number of options outstanding</link:label>
    <link:loc xlink:label="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1.16205.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1.16205.11.6" xlink:to="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1.17011" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1.17011" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1.17011">Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Exercise Price</link:label>
    <link:loc xlink:label="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1.16205.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1.16205.11.7" xlink:to="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1.217205.309239" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1.217205.309239" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1.217205.309239">Weighted average exercise price of options outstanding</link:label>
    <link:loc xlink:label="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2.16220.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2.16220.11.6" xlink:to="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2.17032" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2.17032" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2.17032">Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Remaining Contractual Term</link:label>
    <link:loc xlink:label="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2.16220.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2.16220.11.7" xlink:to="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2.217207.309241" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2.217207.309241" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2.217207.309241">Weighted average remaining contractual life of options outstanding</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit.17024.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit.17024.11.6" xlink:to="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit.18307" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit.18307" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit.18307">Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Upper Range Limit</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit.17024.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit.17024.11.7" xlink:to="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit.217203.309236" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit.217203.309236" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit.217203.309236">Exercise price, maximum</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.16884.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.16884.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.18112" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.18112" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.18112">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.16884.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.16884.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.217210.309245" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.217210.309245" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.217210.309245">Weighted average fair value of options granted in current year</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.16964.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.16964.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.18217" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.18217" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.18217">Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.16964.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.16964.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.217214.309244" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.217214.309244" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.217214.309244">Exercisable at end of year</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.16962.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.16962.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.18215" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.18215" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.18215">Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures in Period</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.16962.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.16962.11.52" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod42.217175.309253" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod42.217175.309253" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod42.217175.309253">Forfeited</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.16909.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.16909.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.18151" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.18151" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.18151">Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.16909.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.16909.11.8" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross8.217174.309252" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross8.217174.309252" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross8.217174.309252">Granted</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.16990.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.16990.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.18250" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.18250" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.18250">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.16990.11.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.16990.11.10" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.217173.309251" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.217173.309251" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.217173.309251">Outstanding at beginning of year</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.16990.11.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.16990.11.11" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.217178.309255" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.217178.309255" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.217178.309255">Outstanding at end of year</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.5085.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.5085.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.18275" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.18275" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.18275">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.5085.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.5085.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward7.217172.309242" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward7.217172.309242" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward7.217172.309242">SHARES</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.16982.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.16982.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.18239" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.18239" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.18239">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.16982.11.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.16982.11.10" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.217180.309246" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.217180.309246" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.217180.309246">Outstanding at beginning of year</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.16982.11.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.16982.11.11" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.217185.309250" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.217185.309250" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.217185.309250">Outstanding at end of year</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.5065.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.5065.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.18106" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.18106" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.18106">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.5065.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.5065.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.217179.309243" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.217179.309243" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.217179.309243">WEIGHTED AVERAGE EXERCISE PRICE</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.16942.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.16942.11.6" xlink:to="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.18193" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.18193" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.18193">Share-based Compensation Arrangements by Share-based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.16942.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.16942.11.7" xlink:to="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.217184.309249" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.217184.309249" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.217184.309249">Exercised</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.16889.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.16889.11.6" xlink:to="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.18121" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.18121" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.18121">Share-based Compensation Arrangements by Share-based Payment Award, Options, Forfeitures in Period, Weighted Average Exercise Price</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.16889.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.16889.11.7" xlink:to="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.217182.309248" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.217182.309248" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.217182.309248">Forfeited</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.16885.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.16885.11.6" xlink:to="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.18113" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.18113" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.18113">Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.16885.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.16885.11.7" xlink:to="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.217181.309247" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.217181.309247" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.217181.309247">Granted</link:label>
    <link:loc xlink:label="loc_StockIssuedDuringPeriodSharesStockOptionsExercised.17264.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockIssuedDuringPeriodSharesStockOptionsExercised.17264.11.6" xlink:to="lab_StockIssuedDuringPeriodSharesStockOptionsExercised.18680" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockIssuedDuringPeriodSharesStockOptionsExercised.18680" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StockIssuedDuringPeriodSharesStockOptionsExercised.18680">Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period</link:label>
    <link:loc xlink:label="loc_StockIssuedDuringPeriodSharesStockOptionsExercised.17264.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockIssuedDuringPeriodSharesStockOptionsExercised.17264.11.52" xlink:to="lab_StockIssuedDuringPeriodSharesStockOptionsExercised42.217177.309254" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockIssuedDuringPeriodSharesStockOptionsExercised42.217177.309254" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockIssuedDuringPeriodSharesStockOptionsExercised42.217177.309254">Exercised</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.16947.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.16947.11.6" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_lbl.458509.191291.308303" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_lbl.458509.191291.308303" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_lbl.458509.191291.308303">Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.16947.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.16947.11.8" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_lbl.458510.191292.308304" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_lbl.458510.191292.308304" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_lbl.458510.191292.308304">Exercise price of common shares</link:label>
    <link:loc xlink:label="loc_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable.4883.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable.4883.11.6" xlink:to="lab_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable.16890.309256" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable.16890.309256" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable.16890.309256">Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table]</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate.16956.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate.16956.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate.18208" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate.18208" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate.18208">Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Dividend Rate</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate.16956.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate.16956.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate.212358.308938" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate.212358.308938" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate.212358.308938">Expected dividend rate</link:label>
    <link:loc xlink:label="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1.16199.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1.16199.11.6" xlink:to="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1.17004" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1.17004" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1.17004">Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Term</link:label>
    <link:loc xlink:label="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1.16199.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1.16199.11.7" xlink:to="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm17.212355.308935" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm17.212355.308935" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm17.212355.308935">Expected lives in years</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.16972.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.16972.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.18226" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.18226" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.18226">Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.16972.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.16972.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.222812.309259" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.222812.309259" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.222812.309259">Expected volatility</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.16975.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.16975.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.18229" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.18229" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.18229">Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.16975.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.16975.11.7" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.222811.309258" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.222811.309258" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.222811.309258">Risk-free interest rate</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.5072.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.5072.11.6" xlink:to="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.17450.309257" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.17450.309257" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.17450.309257">Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</link:label>
    <link:loc xlink:label="loc_RetailBankingMember.36870.11.12" xlink:href="asrv-20131231.xsd#asrv_RetailBankingMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RetailBankingMember.36870.11.12" xlink:to="asrv_RetailBankingMember_lbl.458884.190527.308777" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_RetailBankingMember_lbl.458884.190527.308777" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_RetailBankingMember_lbl.458884.190527.308777">Retail banking.</link:label>
    <link:loc xlink:label="loc_BusinessAcquisitionAcquireeDomain.775.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BusinessAcquisitionAcquireeDomain.775.11.6" xlink:to="lab_BusinessAcquisitionAcquireeDomain.1577.309269" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BusinessAcquisitionAcquireeDomain.1577.309269" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_BusinessAcquisitionAcquireeDomain.1577.309269">Business Acquisition, Acquiree [Domain]</link:label>
    <link:loc xlink:label="loc_BusinessAcquisitionAxis.750.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BusinessAcquisitionAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BusinessAcquisitionAxis.750.11.6" xlink:to="lab_BusinessAcquisitionAxis.1535.309275" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BusinessAcquisitionAxis.1535.309275" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_BusinessAcquisitionAxis.1535.309275">Business Acquisition [Axis]</link:label>
    <link:loc xlink:label="loc_GoodwillLineItems.2490.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GoodwillLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_GoodwillLineItems.2490.11.6" xlink:to="lab_GoodwillLineItems.7938.309274" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_GoodwillLineItems.7938.309274" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_GoodwillLineItems.7938.309274">Goodwill [Line Items]</link:label>
    <link:loc xlink:label="loc_RetailBankingMember.36870.11.6" xlink:href="asrv-20131231.xsd#asrv_RetailBankingMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RetailBankingMember.36870.11.6" xlink:to="lab_RetailBankingMember.458882.190532.308782" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RetailBankingMember.458882.190532.308782" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RetailBankingMember.458882.190532.308782">Retail Banking [Member]</link:label>
    <link:loc xlink:label="loc_ScheduleOfGoodwillTable.4858.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfGoodwillTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfGoodwillTable.4858.11.6" xlink:to="lab_ScheduleOfGoodwillTable.16826.309273" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfGoodwillTable.16826.309273" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfGoodwillTable.16826.309273">Schedule of Goodwill [Table]</link:label>
    <link:loc xlink:label="loc_WestChesterCapitalAdvisorsMember.36927.11.6" xlink:href="asrv-20131231.xsd#asrv_WestChesterCapitalAdvisorsMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WestChesterCapitalAdvisorsMember.36927.11.6" xlink:to="lab_WestChesterCapitalAdvisorsMember.217453.309267" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_WestChesterCapitalAdvisorsMember.217453.309267" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_WestChesterCapitalAdvisorsMember.217453.309267">West Chester Capital Advisors [Member]</link:label>
    <link:loc xlink:label="loc_WestChesterCapitalAdvisorsMember.36927.11.12" xlink:href="asrv-20131231.xsd#asrv_WestChesterCapitalAdvisorsMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_WestChesterCapitalAdvisorsMember.36927.11.12" xlink:to="lab_WestChesterCapitalAdvisorsMember12.217454.309268" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_WestChesterCapitalAdvisorsMember12.217454.309268" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_WestChesterCapitalAdvisorsMember12.217454.309268">West Chester Capital Advisors [Member]</link:label>
    <link:loc xlink:label="loc_Goodwill.10732.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Goodwill" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Goodwill.10732.11.7" xlink:to="us-gaap_Goodwill_lbl.368857" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_Goodwill_lbl.368857" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="us-gaap_Goodwill_lbl.368857">Goodwill</link:label>
    <link:loc xlink:label="loc_SegmentDomain.4981.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SegmentDomain.4981.11.6" xlink:to="us-gaap_SegmentDomain_lbl.458881.190538.308789" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_SegmentDomain_lbl.458881.190538.308789" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_SegmentDomain_lbl.458881.190538.308789">Segment [Domain]</link:label>
    <link:loc xlink:label="loc_StatementBusinessSegmentsAxis.5172.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StatementBusinessSegmentsAxis.5172.11.6" xlink:to="us-gaap_StatementBusinessSegmentsAxis_lbl.458879.190543.308793" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_StatementBusinessSegmentsAxis_lbl.458879.190543.308793" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_StatementBusinessSegmentsAxis_lbl.458879.190543.308793">Statement, Business Segments [Axis]</link:label>
    <link:loc xlink:label="loc_DerivativeNotionalAmount.277.11.7" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_DerivativeNotionalAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeNotionalAmount.277.11.7" xlink:to="invest_DerivativeNotionalAmount_lbl.309353" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="invest_DerivativeNotionalAmount_lbl.309353" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="invest_DerivativeNotionalAmount_lbl.309353">Notional amount</link:label>
    <link:loc xlink:label="loc_DerivativeByNatureAxis.1573.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeByNatureAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeByNatureAxis.1573.11.6" xlink:to="lab_DerivativeByNatureAxis.4649.309289" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeByNatureAxis.4649.309289" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeByNatureAxis.4649.309289">Derivative, by Nature [Axis]</link:label>
    <link:loc xlink:label="loc_DerivativeFixedInterestRate.8465.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFixedInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeFixedInterestRate.8465.11.6" xlink:to="lab_DerivativeFixedInterestRate.4843" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeFixedInterestRate.4843" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeFixedInterestRate.4843">Derivative, Fixed Interest Rate</link:label>
    <link:loc xlink:label="loc_DerivativeFixedInterestRate.8465.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFixedInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeFixedInterestRate.8465.11.7" xlink:to="lab_DerivativeFixedInterestRate7.217481.309287" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeFixedInterestRate7.217481.309287" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeFixedInterestRate7.217481.309287">Fixed interest rate</link:label>
    <link:loc xlink:label="loc_DerivativeInceptionDates.8427.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInceptionDates" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeInceptionDates.8427.11.6" xlink:to="lab_DerivativeInceptionDates.4792" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeInceptionDates.4792" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeInceptionDates.4792">Derivative, Inception Date</link:label>
    <link:loc xlink:label="loc_DerivativeInceptionDates.8427.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInceptionDates" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeInceptionDates.8427.11.7" xlink:to="lab_DerivativeInceptionDates7.217479.309283" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeInceptionDates7.217479.309283" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeInceptionDates7.217479.309283">Start date</link:label>
    <link:loc xlink:label="loc_DerivativeLineItems.1552.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeLineItems.1552.11.6" xlink:to="lab_DerivativeLineItems.4555.309290" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeLineItems.4555.309290" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeLineItems.4555.309290">Derivative [Line Items]</link:label>
    <link:loc xlink:label="loc_DerivativeMaturityDates.8426.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeMaturityDates" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeMaturityDates.8426.11.6" xlink:to="lab_DerivativeMaturityDates.4791" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeMaturityDates.4791" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeMaturityDates.4791">Derivative, Maturity Date</link:label>
    <link:loc xlink:label="loc_DerivativeMaturityDates.8426.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeMaturityDates" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeMaturityDates.8426.11.7" xlink:to="lab_DerivativeMaturityDates.217480.309284" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeMaturityDates.217480.309284" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeMaturityDates.217480.309284">Maturity date</link:label>
    <link:loc xlink:label="loc_DerivativeNameDomain.1577.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeNameDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeNameDomain.1577.11.6" xlink:to="lab_DerivativeNameDomain.4683.309292" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeNameDomain.4683.309292" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeNameDomain.4683.309292">Derivative, Name [Domain]</link:label>
    <link:loc xlink:label="loc_DerivativeNotionalAmount.277.11.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_DerivativeNotionalAmount" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeNotionalAmount.277.11.6" xlink:to="lab_DerivativeNotionalAmount.142" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeNotionalAmount.142" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeNotionalAmount.142">Derivative, Notional Amount</link:label>
    <link:loc xlink:label="loc_DerivativeTable.1564.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeTable.1564.11.6" xlink:to="lab_DerivativeTable.4592.309291" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeTable.4592.309291" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeTable.4592.309291">Derivative [Table]</link:label>
    <link:loc xlink:label="loc_DerivativeVariableInterestRate.8517.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeVariableInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeVariableInterestRate.8517.11.6" xlink:to="lab_DerivativeVariableInterestRate.4908" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeVariableInterestRate.4908" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeVariableInterestRate.4908">Derivative, Variable Interest Rate</link:label>
    <link:loc xlink:label="loc_DerivativeVariableInterestRate.8517.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeVariableInterestRate" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DerivativeVariableInterestRate.8517.11.7" xlink:to="lab_DerivativeVariableInterestRate.217473.309286" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DerivativeVariableInterestRate.217473.309286" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DerivativeVariableInterestRate.217473.309286">Variable interest rate</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.11317.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.11317.11.6" xlink:to="lab_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.9201" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.9201" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.9201">Increase (Decrease) in Fair Value of Hedged Item in Interest Rate Fair Value Hedge</link:label>
    <link:loc xlink:label="loc_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.11317.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.11317.11.7" xlink:to="lab_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.217476.309288" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.217476.309288" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.217476.309288">Increase (decrease) in interest expense</link:label>
    <link:loc xlink:label="loc_InterestRateSwapMember.2870.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestRateSwapMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestRateSwapMember.2870.11.6" xlink:to="lab_InterestRateSwapMember.9502.309293" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestRateSwapMember.9502.309293" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestRateSwapMember.9502.309293">Interest Rate Swap [Member]</link:label>
    <link:loc xlink:label="loc_InterestRateSwapOneMember.36929.11.6" xlink:href="asrv-20131231.xsd#asrv_InterestRateSwapOneMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestRateSwapOneMember.36929.11.6" xlink:to="lab_InterestRateSwapOneMember.217483.309279" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestRateSwapOneMember.217483.309279" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestRateSwapOneMember.217483.309279">Interest Rate Swap One [Member]</link:label>
    <link:loc xlink:label="loc_InterestRateSwapOneMember.36929.11.12" xlink:href="asrv-20131231.xsd#asrv_InterestRateSwapOneMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestRateSwapOneMember.36929.11.12" xlink:to="lab_InterestRateSwapOneMember12.217487.309280" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestRateSwapOneMember12.217487.309280" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_InterestRateSwapOneMember12.217487.309280">Interest Rate Swap One [Member]</link:label>
    <link:loc xlink:label="loc_InterestRateSwapTwoMember.36930.11.6" xlink:href="asrv-20131231.xsd#asrv_InterestRateSwapTwoMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestRateSwapTwoMember.36930.11.6" xlink:to="lab_InterestRateSwapTwoMember.217485.309281" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestRateSwapTwoMember.217485.309281" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InterestRateSwapTwoMember.217485.309281">Interest Rate Swap Two [Member]</link:label>
    <link:loc xlink:label="loc_InterestRateSwapTwoMember.36930.11.12" xlink:href="asrv-20131231.xsd#asrv_InterestRateSwapTwoMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestRateSwapTwoMember.36930.11.12" xlink:to="lab_InterestRateSwapTwoMember12.217486.309282" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestRateSwapTwoMember12.217486.309282" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_InterestRateSwapTwoMember12.217486.309282">Interest Rate Swap Two [Member]</link:label>
    <link:loc xlink:label="loc_MaximumNotionalAmountOfDerivativesOutstanding.36928.11.12" xlink:href="asrv-20131231.xsd#asrv_MaximumNotionalAmountOfDerivativesOutstanding" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MaximumNotionalAmountOfDerivativesOutstanding.36928.11.12" xlink:to="lab_LoansAndRelatedAllowanceForLoanLossesAbstract.222578.309276" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndRelatedAllowanceForLoanLossesAbstract.222578.309276" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndRelatedAllowanceForLoanLossesAbstract.222578.309276">Maximum Notional Amount Of Derivatives Outstanding.</link:label>
    <link:loc xlink:label="loc_MaximumNotionalAmountOfDerivativesOutstanding.36928.11.7" xlink:href="asrv-20131231.xsd#asrv_MaximumNotionalAmountOfDerivativesOutstanding" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MaximumNotionalAmountOfDerivativesOutstanding.36928.11.7" xlink:to="lab_LoansAndRelatedAllowanceForLoanLossesString.222576.309277" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndRelatedAllowanceForLoanLossesString.222576.309277" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndRelatedAllowanceForLoanLossesString.222576.309277">Maximum notional amount outstanding permitted</link:label>
    <link:loc xlink:label="loc_MaximumNotionalAmountOfDerivativesOutstanding.36928.11.6" xlink:href="asrv-20131231.xsd#asrv_MaximumNotionalAmountOfDerivativesOutstanding" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MaximumNotionalAmountOfDerivativesOutstanding.36928.11.6" xlink:to="lab_MaximumNotionalAmountOfDerivativesOutstanding.210416.309278" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_MaximumNotionalAmountOfDerivativesOutstanding.210416.309278" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_MaximumNotionalAmountOfDerivativesOutstanding.210416.309278">Maximum Notional Amount Of Derivatives Outstanding</link:label>
    <link:loc xlink:label="loc_EntityDomain.99.11.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EntityDomain.99.11.6" xlink:to="dei_EntityDomain_lbl.458828.190761.308640" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="dei_EntityDomain_lbl.458828.190761.308640" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="dei_EntityDomain_lbl.458828.190761.308640">Entity [Domain]</link:label>
    <link:loc xlink:label="loc_LegalEntityAxis.136.11.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LegalEntityAxis.136.11.6" xlink:to="dei_LegalEntityAxis_lbl.458826.190763.308641" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="dei_LegalEntityAxis_lbl.458826.190763.308641" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="dei_LegalEntityAxis_lbl.458826.190763.308641">Legal Entity [Axis]</link:label>
    <link:loc xlink:label="loc_AssetsAbstract.620.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AssetsAbstract.620.11.7" xlink:to="lab_AssetsAbstract.217612.309305" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AssetsAbstract.217612.309305" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AssetsAbstract.217612.309305">ASSETS</link:label>
    <link:loc xlink:label="loc_AvailableForSaleSecurities.6182.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AvailableForSaleSecurities.6182.11.7" xlink:to="lab_AvailableForSaleSecurities.217617.309301" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AvailableForSaleSecurities.217617.309301" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AvailableForSaleSecurities.217617.309301">Investment securities available for sale</link:label>
    <link:loc xlink:label="loc_BankingSubsidiaryMember.36931.11.6" xlink:href="asrv-20131231.xsd#asrv_BankingSubsidiaryMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BankingSubsidiaryMember.36931.11.6" xlink:to="lab_BankingSubsidiaryMember.217627.309294" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BankingSubsidiaryMember.217627.309294" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_BankingSubsidiaryMember.217627.309294">Banking Subsidiary [Member]</link:label>
    <link:loc xlink:label="loc_BankingSubsidiaryMember.36931.11.12" xlink:href="asrv-20131231.xsd#asrv_BankingSubsidiaryMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_BankingSubsidiaryMember.36931.11.12" xlink:to="lab_BankingSubsidiaryMember12.217633.309295" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_BankingSubsidiaryMember12.217633.309295" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_BankingSubsidiaryMember12.217633.309295">Banking Subsidiary [Member]</link:label>
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.11.6" xlink:to="lab_CondensedFinancialStatementsCaptionsLineItems.2876.309310" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CondensedFinancialStatementsCaptionsLineItems.2876.309310" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CondensedFinancialStatementsCaptionsLineItems.2876.309310">Condensed Financial Statements, Captions [Line Items]</link:label>
    <link:loc xlink:label="loc_DeferredFinanceCostsNet.7864.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredFinanceCostsNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DeferredFinanceCostsNet.7864.11.8" xlink:to="lab_DeferredFinanceCostsNet.217619.309303" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DeferredFinanceCostsNet.217619.309303" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DeferredFinanceCostsNet.217619.309303">Guaranteed junior subordinated deferrable interest debenture issuance costs</link:label>
    <link:loc xlink:label="loc_EquityMethodInvesteeNameDomain.1871.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvesteeNameDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EquityMethodInvesteeNameDomain.1871.11.6" xlink:to="lab_EquityMethodInvesteeNameDomain.5832.309312" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EquityMethodInvesteeNameDomain.5832.309312" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EquityMethodInvesteeNameDomain.5832.309312">Equity Method Investee, Name [Domain]</link:label>
    <link:loc xlink:label="loc_EquityMethodInvestments.9316.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EquityMethodInvestments.9316.11.6" xlink:to="lab_EquityMethodInvestments.6071" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EquityMethodInvestments.6071" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_EquityMethodInvestments.6071">Equity Method Investments</link:label>
    <link:loc xlink:label="loc_EquityMethodInvestments.9316.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_EquityMethodInvestments.9316.11.7" xlink:to="lab_EquityMethodInvestments.217618.309302" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_EquityMethodInvestments.217618.309302" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_EquityMethodInvestments.217618.309302">Equity investment</link:label>
    <link:loc xlink:label="loc_LiabilitiesAbstract.3056.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LiabilitiesAbstract.3056.11.7" xlink:to="lab_LiabilitiesAbstract.217613.309306" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LiabilitiesAbstract.217613.309306" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LiabilitiesAbstract.217613.309306">LIABILITIES</link:label>
    <link:loc xlink:label="loc_NonBankingSubsidiariesMember.36932.11.6" xlink:href="asrv-20131231.xsd#asrv_NonBankingSubsidiariesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonBankingSubsidiariesMember.36932.11.6" xlink:to="lab_NonBankingSubsidiariesMember.217628.309296" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NonBankingSubsidiariesMember.217628.309296" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_NonBankingSubsidiariesMember.217628.309296">Non Banking Subsidiaries [Member]</link:label>
    <link:loc xlink:label="loc_NonBankingSubsidiariesMember.36932.11.12" xlink:href="asrv-20131231.xsd#asrv_NonBankingSubsidiariesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonBankingSubsidiariesMember.36932.11.12" xlink:to="lab_NonBankingSubsidiariesMember12.217630.309297" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NonBankingSubsidiariesMember12.217630.309297" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_NonBankingSubsidiariesMember12.217630.309297">Non-Banking Subsidiaries [Member]</link:label>
    <link:loc xlink:label="loc_NonBankingSubsidiariesMember.36932.11.7" xlink:href="asrv-20131231.xsd#asrv_NonBankingSubsidiariesMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NonBankingSubsidiariesMember.36932.11.7" xlink:to="lab_NonBankingSubsidiariesMember7.217632.309298" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NonBankingSubsidiariesMember7.217632.309298" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NonBankingSubsidiariesMember7.217632.309298">Non-Banking Subsidiaries [Member]</link:label>
    <link:loc xlink:label="loc_OtherAssets.13839.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherAssets.13839.11.7" xlink:to="lab_OtherAssets.217620.309304" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherAssets.217620.309304" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherAssets.217620.309304">Other assets</link:label>
    <link:loc xlink:label="loc_OtherLiabilities.14024.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherLiabilities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherLiabilities.14024.11.7" xlink:to="lab_OtherLiabilities.217623.309309" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherLiabilities.217623.309309" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherLiabilities.217623.309309">Other liabilities</link:label>
    <link:loc xlink:label="loc_OtherShortTermInvestments.14081.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherShortTermInvestments" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherShortTermInvestments.14081.11.7" xlink:to="lab_OtherShortTermInvestments.217616.309300" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherShortTermInvestments.217616.309300" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherShortTermInvestments.217616.309300">Short-term investments in money market funds</link:label>
    <link:loc xlink:label="loc_ParentCompanyMember.3923.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ParentCompanyMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ParentCompanyMember.3923.11.6" xlink:to="lab_ParentCompanyMember.13212.309299" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ParentCompanyMember.13212.309299" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ParentCompanyMember.13212.309299">Parent Company [Member]</link:label>
    <link:loc xlink:label="loc_ScheduleOfCondensedFinancialStatementsTable.4818.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedFinancialStatementsTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfCondensedFinancialStatementsTable.4818.11.6" xlink:to="lab_ScheduleOfCondensedFinancialStatementsTable.16751.309308" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfCondensedFinancialStatementsTable.16751.309308" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfCondensedFinancialStatementsTable.16751.309308">Schedule of Condensed Financial Statements [Table]</link:label>
    <link:loc xlink:label="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.11.6" xlink:to="lab_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.16777.309311" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.16777.309311" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.16777.309311">Equity Method Investee, Name [Axis]</link:label>
    <link:loc xlink:label="loc_StockholdersEquity.17302.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockholdersEquity.17302.11.7" xlink:to="lab_StockholdersEquity.217625.309313" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockholdersEquity.217625.309313" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockholdersEquity.217625.309313">Total stockholders' equity</link:label>
    <link:loc xlink:label="loc_StockholdersEquityAbstract.5197.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockholdersEquityAbstract.5197.11.7" xlink:to="lab_StockholdersEquityAbstract.217614.309307" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockholdersEquityAbstract.217614.309307" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockholdersEquityAbstract.217614.309307">STOCKHOLDERS' EQUITY</link:label>
    <link:loc xlink:label="loc_InterestAndDividendIncomeOperating.11661.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndDividendIncomeOperating.11661.11.8" xlink:to="InterestAndDividendIncomeOperating.222454.309327" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="InterestAndDividendIncomeOperating.222454.309327" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="InterestAndDividendIncomeOperating.222454.309327">Interest and dividend income</link:label>
    <link:loc xlink:label="loc_CostsAndExpenses.7476.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CostsAndExpenses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CostsAndExpenses.7476.11.6" xlink:to="lab_CostsAndExpenses.3397" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CostsAndExpenses.3397" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CostsAndExpenses.3397">Costs and Expenses</link:label>
    <link:loc xlink:label="loc_CostsAndExpenses.7476.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CostsAndExpenses" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CostsAndExpenses.7476.11.9" xlink:to="lab_CostsAndExpenses.222458.309324" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CostsAndExpenses.222458.309324" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_CostsAndExpenses.222458.309324">TOTAL EXPENSE</link:label>
    <link:loc xlink:label="loc_CostsAndExpensesAbstract.1259.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CostsAndExpensesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CostsAndExpensesAbstract.1259.11.6" xlink:to="lab_CostsAndExpensesAbstract.3394" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CostsAndExpensesAbstract.3394" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CostsAndExpensesAbstract.3394">Costs and Expenses [Abstract]</link:label>
    <link:loc xlink:label="loc_CostsAndExpensesAbstract.1259.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CostsAndExpensesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CostsAndExpensesAbstract.1259.11.7" xlink:to="lab_CostsAndExpensesAbstract.222456.309318" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CostsAndExpensesAbstract.222456.309318" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_CostsAndExpensesAbstract.222456.309318">EXPENSE</link:label>
    <link:loc xlink:label="loc_DividendIncomeOperating.8985.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendIncomeOperating" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendIncomeOperating.8985.11.6" xlink:to="lab_DividendIncomeOperating.5515" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DividendIncomeOperating.5515" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DividendIncomeOperating.5515">Dividend Income, Operating</link:label>
    <link:loc xlink:label="loc_DividendIncomeOperating.8985.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendIncomeOperating" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendIncomeOperating.8985.11.7" xlink:to="lab_DividendIncomeOperating.217646.309326" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DividendIncomeOperating.217646.309326" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DividendIncomeOperating.217646.309326">Dividends from subsidiaries</link:label>
    <link:loc xlink:label="loc_IncomeLossFromSubsidiariesNetOfTax.11103.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeLossFromSubsidiariesNetOfTax.11103.11.7" xlink:to="lab_IncomeLossFromSubsidiariesNetOfTax.315393" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeLossFromSubsidiariesNetOfTax.315393" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncomeLossFromSubsidiariesNetOfTax.315393">Equity in undistributed earnings of subsidiaries</link:label>
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefit.11134.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxExpenseBenefit.11134.11.52" xlink:to="lab_IncomeTaxExpenseBenefit42.222459.309319" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeTaxExpenseBenefit42.222459.309319" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxExpenseBenefit42.222459.309319">Benefit for income taxes</link:label>
    <link:loc xlink:label="loc_InterestExpense.11654.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestExpense.11654.11.7" xlink:to="lab_InterestExpense.222457.309321" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestExpense.222457.309321" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestExpense.222457.309321">Interest expense</link:label>
    <link:loc xlink:label="loc_LaborAndRelatedExpense.12056.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LaborAndRelatedExpense.12056.11.7" xlink:to="lab_LaborAndRelatedExpense.218301.309322" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LaborAndRelatedExpense.218301.309322" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LaborAndRelatedExpense.218301.309322">Salaries and employee benefits</link:label>
    <link:loc xlink:label="loc_OtherNoninterestExpense.13993.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherNoninterestExpense.13993.11.7" xlink:to="lab_OtherNoninterestExpense.218310.309323" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherNoninterestExpense.218310.309323" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherNoninterestExpense.218310.309323">Other expense</link:label>
    <link:loc xlink:label="loc_RevenueFromRelatedParties.16102.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenueFromRelatedParties" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RevenueFromRelatedParties.16102.11.6" xlink:to="lab_RevenueFromRelatedParties.16853" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RevenueFromRelatedParties.16853" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RevenueFromRelatedParties.16853">Revenue from Related Parties</link:label>
    <link:loc xlink:label="loc_RevenueFromRelatedParties.16102.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenueFromRelatedParties" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RevenueFromRelatedParties.16102.11.7" xlink:to="lab_RevenueFromRelatedParties.222321.309325" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RevenueFromRelatedParties.222321.309325" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_RevenueFromRelatedParties.222321.309325">Inter-entity management and other fees</link:label>
    <link:loc xlink:label="loc_Revenues.16160.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Revenues" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Revenues.16160.11.6" xlink:to="lab_Revenues.16927" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Revenues.16927" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_Revenues.16927">Revenues</link:label>
    <link:loc xlink:label="loc_Revenues.16160.11.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Revenues" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Revenues.16160.11.9" xlink:to="lab_Revenues.222455.309328" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Revenues.222455.309328" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US" id="lab_Revenues.222455.309328">TOTAL INCOME</link:label>
    <link:loc xlink:label="loc_RevenuesAbstract.4680.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenuesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RevenuesAbstract.4680.11.6" xlink:to="lab_RevenuesAbstract.16933" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RevenuesAbstract.16933" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RevenuesAbstract.16933">Revenues [Abstract]</link:label>
    <link:loc xlink:label="loc_RevenuesAbstract.4680.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenuesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RevenuesAbstract.4680.11.7" xlink:to="lab_RevenuesAbstract7.222148.309320" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RevenuesAbstract7.222148.309320" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_RevenuesAbstract7.222148.309320">INCOME</link:label>
    <link:loc xlink:label="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.11.7" xlink:to="lab_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.218576.309341" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.218576.309341" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.218576.309341">Adjustments to reconcile net income to net cash provided by operating activities:</link:label>
    <link:loc xlink:label="loc_IncomeLossFromSubsidiariesNetOfTax.11103.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeLossFromSubsidiariesNetOfTax.11103.11.6" xlink:to="lab_IncomeLossFromSubsidiariesNetOfTax.8882" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeLossFromSubsidiariesNetOfTax.8882" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_IncomeLossFromSubsidiariesNetOfTax.8882">Income (Loss) from Subsidiaries, Net of Tax</link:label>
    <link:loc xlink:label="loc_IncomeLossFromSubsidiariesNetOfTax.11103.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeLossFromSubsidiariesNetOfTax.11103.11.52" xlink:to="lab_IncomeLossFromSubsidiariesNetOfTax.315394" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeLossFromSubsidiariesNetOfTax.315394" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncomeLossFromSubsidiariesNetOfTax.315394">Equity in undistributed earnings of subsidiaries</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.11.7" xlink:to="lab_NetCashProvidedByUsedInFinancingActivitiesAbstract.218603.309333" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInFinancingActivitiesAbstract.218603.309333" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInFinancingActivitiesAbstract.218603.309333">FINANCING ACTIVITIES</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.11.7" xlink:to="lab_NetCashProvidedByUsedInInvestingActivitiesAbstract.218595.309332" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInInvestingActivitiesAbstract.218595.309332" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInInvestingActivitiesAbstract.218595.309332">INVESTING ACTIVITIES</link:label>
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.11.7" xlink:to="lab_NetCashProvidedByUsedInOperatingActivitiesAbstract7.218575.309331" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NetCashProvidedByUsedInOperatingActivitiesAbstract7.218575.309331" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NetCashProvidedByUsedInOperatingActivitiesAbstract7.218575.309331">OPERATING ACTIVITIES</link:label>
    <link:loc xlink:label="loc_OtherOperatingActivitiesCashFlowStatement.13870.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherOperatingActivitiesCashFlowStatement" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherOperatingActivitiesCashFlowStatement.13870.11.6" xlink:to="lab_OtherOperatingActivitiesCashFlowStatement.13331" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherOperatingActivitiesCashFlowStatement.13331" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_OtherOperatingActivitiesCashFlowStatement.13331">Other Operating Activities, Cash Flow Statement</link:label>
    <link:loc xlink:label="loc_OtherOperatingActivitiesCashFlowStatement.13870.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherOperatingActivitiesCashFlowStatement" xlink:type="locator" />
    <link:labelArc xlink:from="loc_OtherOperatingActivitiesCashFlowStatement.13870.11.7" xlink:to="lab_OtherOperatingActivitiesCashFlowStatement.221930.309330" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_OtherOperatingActivitiesCashFlowStatement.221930.309330" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_OtherOperatingActivitiesCashFlowStatement.221930.309330">Other - net</link:label>
    <link:loc xlink:label="loc_PaymentsForRepurchaseOfCommonStock.14236.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsForRepurchaseOfCommonStock.14236.11.6" xlink:to="lab_PaymentsForRepurchaseOfCommonStock.13945" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsForRepurchaseOfCommonStock.13945" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsForRepurchaseOfCommonStock.13945">Payments for Repurchase of Common Stock</link:label>
    <link:loc xlink:label="loc_PaymentsForRepurchaseOfCommonStock.14236.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsForRepurchaseOfCommonStock.14236.11.52" xlink:to="lab_PaymentsForRepurchaseOfCommonStock.218617.309334" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsForRepurchaseOfCommonStock.218617.309334" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsForRepurchaseOfCommonStock.218617.309334">Purchase of regulatory stock</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireAvailableForSaleSecurities.14334.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireAvailableForSaleSecurities.14334.11.6" xlink:to="lab_PaymentsToAcquireAvailableForSaleSecurities.14093" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsToAcquireAvailableForSaleSecurities.14093" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsToAcquireAvailableForSaleSecurities.14093">Payments to Acquire Available-for-sale Securities</link:label>
    <link:loc xlink:label="loc_PaymentsToAcquireAvailableForSaleSecurities.14334.11.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PaymentsToAcquireAvailableForSaleSecurities.14334.11.52" xlink:to="lab_PaymentsToAcquireAvailableForSaleSecurities42.221931.309337" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PaymentsToAcquireAvailableForSaleSecurities42.221931.309337" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US" id="lab_PaymentsToAcquireAvailableForSaleSecurities42.221931.309337">Purchase of investment securities - available for sale</link:label>
    <link:loc xlink:label="loc_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.15068.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.15068.11.7" xlink:to="lab_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.218598.309338" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.218598.309338" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.218598.309338">Proceeds from maturities of investment securities - available for sale</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensation.16900.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensation.16900.11.7" xlink:to="lab_ShareBasedCompensation7.218590.309329" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ShareBasedCompensation7.218590.309329" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_ShareBasedCompensation7.218590.309329">Stock compensation expense</link:label>
    <link:loc xlink:label="loc_ShareBasedCompensation.16900.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ShareBasedCompensation.16900.11.6" xlink:to="us-gaap_ShareBasedCompensation_lbl.458346.191058.308007" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ShareBasedCompensation_lbl.458346.191058.308007" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ShareBasedCompensation_lbl.458346.191058.308007">Share-based Compensation</link:label>
    <link:loc xlink:label="loc_AmountAvailableForDividendDistributionWithoutAffectingCapitalAdequacyRequirements.6005.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AmountAvailableForDividendDistributionWithoutAffectingCapitalAdequacyRequirements" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmountAvailableForDividendDistributionWithoutAffectingCapitalAdequacyRequirements.6005.11.6" xlink:to="lab_AmountAvailableForDividendDistributionWithoutAffectingCapitalAdequacyRequirements.983" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AmountAvailableForDividendDistributionWithoutAffectingCapitalAdequacyRequirements.983" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_AmountAvailableForDividendDistributionWithoutAffectingCapitalAdequacyRequirements.983">Amount Available for Dividend Distribution without Affecting Capital Adequacy Requirements</link:label>
    <link:loc xlink:label="loc_AmountAvailableForDividendDistributionWithoutAffectingCapitalAdequacyRequirements.6005.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AmountAvailableForDividendDistributionWithoutAffectingCapitalAdequacyRequirements" xlink:type="locator" />
    <link:labelArc xlink:from="loc_AmountAvailableForDividendDistributionWithoutAffectingCapitalAdequacyRequirements.6005.11.7" xlink:to="lab_AmountAvailableForDividendDistributionWithoutAffectingCapitalAdequacyRequirements7.219464.309343" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_AmountAvailableForDividendDistributionWithoutAffectingCapitalAdequacyRequirements7.219464.309343" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_AmountAvailableForDividendDistributionWithoutAffectingCapitalAdequacyRequirements7.219464.309343">Cash available for immediate dividends</link:label>
    <link:loc xlink:label="loc_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1.8991.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1.8991.11.6" xlink:to="lab_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1.5526" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1.5526" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1.5526">Dividend Payments Restrictions Schedule, Statutory Capital and Surplus</link:label>
    <link:loc xlink:label="loc_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1.8991.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1" xlink:type="locator" />
    <link:labelArc xlink:from="loc_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1.8991.11.7" xlink:to="lab_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1.219465.309344" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1.219465.309344" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1.219465.309344">Restricted surplus and retained earnings</link:label>
    <link:loc xlink:label="loc_InterestAndDividendIncomeOperating.11661.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestAndDividendIncomeOperating.11661.11.7" xlink:to="lab_InterestAndDividendIncomeOperating.217501.309345" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestAndDividendIncomeOperating.217501.309345" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestAndDividendIncomeOperating.217501.309345">Interest income</link:label>
    <link:loc xlink:label="loc_NoninterestExpense.13363.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpense" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestExpense.13363.11.7" xlink:to="lab_NoninterestExpense.217503.309348" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NoninterestExpense.217503.309348" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NoninterestExpense.217503.309348">Non-interest expense</link:label>
    <link:loc xlink:label="loc_NoninterestIncome.13366.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:type="locator" />
    <link:labelArc xlink:from="loc_NoninterestIncome.13366.11.7" xlink:to="lab_NoninterestIncome.217502.309347" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_NoninterestIncome.217502.309347" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_NoninterestIncome.217502.309347">Non-interest income</link:label>
    <link:loc xlink:label="loc_RestrictedCashAndCashEquivalents.15914.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RestrictedCashAndCashEquivalents.15914.11.6" xlink:to="lab_RestrictedCashAndCashEquivalents.16567" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RestrictedCashAndCashEquivalents.16567" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_RestrictedCashAndCashEquivalents.16567">Restricted Cash and Cash Equivalents</link:label>
    <link:loc xlink:label="loc_RestrictedCashAndCashEquivalents.15914.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:type="locator" />
    <link:labelArc xlink:from="loc_RestrictedCashAndCashEquivalents.15914.11.7" xlink:to="lab_RestrictedCashAndCashEquivalents.213182.309874" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_RestrictedCashAndCashEquivalents.213182.309874" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_RestrictedCashAndCashEquivalents.213182.309874">Cash reserves required to be maintained under Federal Reserve Bank regulations</link:label>
    <link:loc xlink:label="loc_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.9501.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.9501.11.6" xlink:to="lab_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.6416" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.6416" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.6416">Fair Value Disclosure, Off-balance Sheet Risks, Face Amount, Liability</link:label>
    <link:loc xlink:label="loc_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.9501.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability" xlink:type="locator" />
    <link:labelArc xlink:from="loc_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.9501.11.7" xlink:to="lab_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability7.216983.311738" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability7.216983.311738" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability7.216983.311738">Carrying value of commitment</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableCollateralForSecuredBorrowings.12557.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableCollateralForSecuredBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableCollateralForSecuredBorrowings.12557.11.6" xlink:to="lab_LoansAndLeasesReceivableCollateralForSecuredBorrowings.11119" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableCollateralForSecuredBorrowings.11119" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableCollateralForSecuredBorrowings.11119">Loans and Leases Receivable, Collateral for Secured Borrowings</link:label>
    <link:loc xlink:label="loc_LoansAndLeasesReceivableCollateralForSecuredBorrowings.12557.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableCollateralForSecuredBorrowings" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LoansAndLeasesReceivableCollateralForSecuredBorrowings.12557.11.7" xlink:to="lab_LoansAndLeasesReceivableCollateralForSecuredBorrowings.216982.311737" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LoansAndLeasesReceivableCollateralForSecuredBorrowings.216982.311737" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LoansAndLeasesReceivableCollateralForSecuredBorrowings.216982.311737">Amount of commitments secured</link:label>
    <link:loc xlink:label="loc_LossContingencyRangeOfPossibleLossMaximum.12848.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyRangeOfPossibleLossMaximum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossContingencyRangeOfPossibleLossMaximum.12848.11.6" xlink:to="lab_LossContingencyRangeOfPossibleLossMaximum.11574" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LossContingencyRangeOfPossibleLossMaximum.11574" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LossContingencyRangeOfPossibleLossMaximum.11574">Loss Contingency, Range of Possible Loss, Maximum</link:label>
    <link:loc xlink:label="loc_LossContingencyRangeOfPossibleLossMaximum.12848.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyRangeOfPossibleLossMaximum" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossContingencyRangeOfPossibleLossMaximum.12848.11.7" xlink:to="lab_LossContingencyRangeOfPossibleLossMaximum7.216980.311736" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LossContingencyRangeOfPossibleLossMaximum7.216980.311736" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LossContingencyRangeOfPossibleLossMaximum7.216980.311736">Amount of commitment</link:label>
    <link:loc xlink:label="loc_LossContingencyTermOfCommitment.37135.11.6" xlink:href="asrv-20131231.xsd#asrv_LossContingencyTermOfCommitment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossContingencyTermOfCommitment.37135.11.6" xlink:to="lab_LossContingencyTermOfCommitment.216978.311733" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LossContingencyTermOfCommitment.216978.311733" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_LossContingencyTermOfCommitment.216978.311733">Loss Contingency Term Of Commitment</link:label>
    <link:loc xlink:label="loc_LossContingencyTermOfCommitment.37135.11.12" xlink:href="asrv-20131231.xsd#asrv_LossContingencyTermOfCommitment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossContingencyTermOfCommitment.37135.11.12" xlink:to="lab_LossContingencyTermOfCommitment12.216984.311734" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LossContingencyTermOfCommitment12.216984.311734" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_LossContingencyTermOfCommitment12.216984.311734">Loss ontingency, Term Of Commitment.</link:label>
    <link:loc xlink:label="loc_LossContingencyTermOfCommitment.37135.11.7" xlink:href="asrv-20131231.xsd#asrv_LossContingencyTermOfCommitment" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossContingencyTermOfCommitment.37135.11.7" xlink:to="lab_LossContingencyTermOfCommitment7.216981.311735" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_LossContingencyTermOfCommitment7.216981.311735" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_LossContingencyTermOfCommitment7.216981.311735">Term of commitment</link:label>
    <link:loc xlink:label="loc_CommitmentsToExtendCreditMember.1080.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsToExtendCreditMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommitmentsToExtendCreditMember.1080.11.6" xlink:to="us-gaap_CommitmentsToExtendCreditMember_lbl.458903.191381.307798" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_CommitmentsToExtendCreditMember_lbl.458903.191381.307798" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_CommitmentsToExtendCreditMember_lbl.458903.191381.307798">Commitments To Extend Credit [Member]</link:label>
    <link:loc xlink:label="loc_LossContingenciesByNatureOfContingencyAxis.3273.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingenciesByNatureOfContingencyAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossContingenciesByNatureOfContingencyAxis.3273.11.6" xlink:to="us-gaap_LossContingenciesByNatureOfContingencyAxis_lbl.458900.191383.307800" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LossContingenciesByNatureOfContingencyAxis_lbl.458900.191383.307800" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LossContingenciesByNatureOfContingencyAxis_lbl.458900.191383.307800">Loss Contingencies by Nature of Contingency [Axis]</link:label>
    <link:loc xlink:label="loc_LossContingenciesLineItems.3272.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingenciesLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossContingenciesLineItems.3272.11.6" xlink:to="us-gaap_LossContingenciesLineItems_lbl.458907.191384.307801" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LossContingenciesLineItems_lbl.458907.191384.307801" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LossContingenciesLineItems_lbl.458907.191384.307801">Loss Contingencies [Line Items]</link:label>
    <link:loc xlink:label="loc_LossContingenciesTable.3266.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingenciesTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossContingenciesTable.3266.11.6" xlink:to="us-gaap_LossContingenciesTable_lbl.458899.191385.307802" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LossContingenciesTable_lbl.458899.191385.307802" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LossContingenciesTable_lbl.458899.191385.307802">Loss Contingencies [Table]</link:label>
    <link:loc xlink:label="loc_LossContingencyNatureDomain.3258.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyNatureDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_LossContingencyNatureDomain.3258.11.6" xlink:to="us-gaap_LossContingencyNatureDomain_lbl.458902.191386.307804" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_LossContingencyNatureDomain_lbl.458902.191386.307804" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_LossContingencyNatureDomain_lbl.458902.191386.307804">Loss Contingency Nature [Domain]</link:label>
    <link:loc xlink:label="loc_StandbyLettersOfCreditMember.5157.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StandbyLettersOfCreditMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StandbyLettersOfCreditMember.5157.11.6" xlink:to="us-gaap_StandbyLettersOfCreditMember_lbl.458905.191388.307805" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_StandbyLettersOfCreditMember_lbl.458905.191388.307805" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_StandbyLettersOfCreditMember_lbl.458905.191388.307805">Standby Letters Of Credit [Member]</link:label>
    <link:loc xlink:label="loc_PercentageOfLendingIncentiveFeePayable.36858.11.6" xlink:href="asrv-20131231.xsd#asrv_PercentageOfLendingIncentiveFeePayable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PercentageOfLendingIncentiveFeePayable.36858.11.6" xlink:to="asrv_PercentageOfLendingIncentiveFeePayable_lbl.459094.190384.308693" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_PercentageOfLendingIncentiveFeePayable_lbl.459094.190384.308693" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="asrv_PercentageOfLendingIncentiveFeePayable_lbl.459094.190384.308693">Percentage of Lending Incentive Fee Payable</link:label>
    <link:loc xlink:label="loc_PercentageOfLendingIncentiveFeePayable.36858.11.12" xlink:href="asrv-20131231.xsd#asrv_PercentageOfLendingIncentiveFeePayable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PercentageOfLendingIncentiveFeePayable.36858.11.12" xlink:to="asrv_PercentageOfLendingIncentiveFeePayable_lbl.459096.190386.308695" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_PercentageOfLendingIncentiveFeePayable_lbl.459096.190386.308695" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_PercentageOfLendingIncentiveFeePayable_lbl.459096.190386.308695">Percentage of lending incentive fee payable.</link:label>
    <link:loc xlink:label="loc_ClassOfStockDomain.1024.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ClassOfStockDomain.1024.11.6" xlink:to="lab_ClassOfStockDomain.459089.191371.308702" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ClassOfStockDomain.459089.191371.308702" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ClassOfStockDomain.459089.191371.308702">Class of Stock [Domain]</link:label>
    <link:loc xlink:label="loc_ClassOfStockLineItems.1018.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassOfStockLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ClassOfStockLineItems.1018.11.6" xlink:to="lab_ClassOfStockLineItems.2526.309265" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ClassOfStockLineItems.2526.309265" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ClassOfStockLineItems.2526.309265">Class of Stock [Line Items]</link:label>
    <link:loc xlink:label="loc_MinimumPercentageTierOneCapitalToBeMaintained.37136.11.6" xlink:href="asrv-20131231.xsd#asrv_MinimumPercentageTierOneCapitalToBeMaintained" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MinimumPercentageTierOneCapitalToBeMaintained.37136.11.6" xlink:to="lab_MinimumPercentageTierOneCapitalToBeMaintained.216999.311743" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_MinimumPercentageTierOneCapitalToBeMaintained.216999.311743" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_MinimumPercentageTierOneCapitalToBeMaintained.216999.311743">Minimum Percentage Tier One Capital To Be Maintained</link:label>
    <link:loc xlink:label="loc_MinimumPercentageTierOneCapitalToBeMaintained.37136.11.12" xlink:href="asrv-20131231.xsd#asrv_MinimumPercentageTierOneCapitalToBeMaintained" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MinimumPercentageTierOneCapitalToBeMaintained.37136.11.12" xlink:to="lab_MinimumPercentageTierOneCapitalToBeMaintained12.217000.311744" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_MinimumPercentageTierOneCapitalToBeMaintained12.217000.311744" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_MinimumPercentageTierOneCapitalToBeMaintained12.217000.311744">Minimum percentage tier one capital to be maintained.</link:label>
    <link:loc xlink:label="loc_MinimumPercentageTierOneCapitalToBeMaintained.37136.11.7" xlink:href="asrv-20131231.xsd#asrv_MinimumPercentageTierOneCapitalToBeMaintained" xlink:type="locator" />
    <link:labelArc xlink:from="loc_MinimumPercentageTierOneCapitalToBeMaintained.37136.11.7" xlink:to="lab_MinimumPercentageTierOneCapitalToBeMaintained7.217019.311745" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_MinimumPercentageTierOneCapitalToBeMaintained7.217019.311745" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_MinimumPercentageTierOneCapitalToBeMaintained7.217019.311745">Minimum Tier 1 capital required to pay dividends</link:label>
    <link:loc xlink:label="loc_PercentageOfLendingIncentiveFeePayable.36858.11.7" xlink:href="asrv-20131231.xsd#asrv_PercentageOfLendingIncentiveFeePayable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PercentageOfLendingIncentiveFeePayable.36858.11.7" xlink:to="lab_PercentageOfLendingIncentiveFeePayable7.217018.311742" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PercentageOfLendingIncentiveFeePayable7.217018.311742" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PercentageOfLendingIncentiveFeePayable7.217018.311742">Lending incentive fee</link:label>
    <link:loc xlink:label="loc_PreferredStockDividendRatePercentage.14679.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockDividendRatePercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockDividendRatePercentage.14679.11.7" xlink:to="lab_PreferredStockDividendRatePercentage.217015.311757" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockDividendRatePercentage.217015.311757" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockDividendRatePercentage.217015.311757">Dividend rate</link:label>
    <link:loc xlink:label="loc_PreferredStockLiquidationPreferenceValue.14706.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockLiquidationPreferenceValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockLiquidationPreferenceValue.14706.11.6" xlink:to="lab_PreferredStockLiquidationPreferenceValue.14632" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockLiquidationPreferenceValue.14632" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockLiquidationPreferenceValue.14632">Preferred Stock, Liquidation Preference, Value</link:label>
    <link:loc xlink:label="loc_PreferredStockLiquidationPreferenceValue.14706.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockLiquidationPreferenceValue" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockLiquidationPreferenceValue.14706.11.7" xlink:to="lab_PreferredStockLiquidationPreferenceValue.217017.311759" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockLiquidationPreferenceValue.217017.311759" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockLiquidationPreferenceValue.217017.311759">Aggregate liquidation preference</link:label>
    <link:loc xlink:label="loc_PreferredStockRedemptionPricePercentage.37137.11.6" xlink:href="asrv-20131231.xsd#asrv_PreferredStockRedemptionPricePercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockRedemptionPricePercentage.37137.11.6" xlink:to="lab_PreferredStockRedemptionPricePercentage.217001.311746" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockRedemptionPricePercentage.217001.311746" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockRedemptionPricePercentage.217001.311746">Preferred Stock Redemption Price Percentage</link:label>
    <link:loc xlink:label="loc_PreferredStockRedemptionPricePercentage.37137.11.12" xlink:href="asrv-20131231.xsd#asrv_PreferredStockRedemptionPricePercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockRedemptionPricePercentage.37137.11.12" xlink:to="lab_PreferredStockRedemptionPricePercentage12.217002.311747" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockRedemptionPricePercentage12.217002.311747" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockRedemptionPricePercentage12.217002.311747">Preferred Stock, Redemption, Price Percentage.</link:label>
    <link:loc xlink:label="loc_PreferredStockRedemptionPricePercentage.37137.11.7" xlink:href="asrv-20131231.xsd#asrv_PreferredStockRedemptionPricePercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockRedemptionPricePercentage.37137.11.7" xlink:to="lab_PreferredStockRedemptionPricePercentage7.217020.311748" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_PreferredStockRedemptionPricePercentage7.217020.311748" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_PreferredStockRedemptionPricePercentage7.217020.311748">Redemption price, percent of liquidation amount</link:label>
    <link:loc xlink:label="loc_ScheduleOfStockByClassTable.4895.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfStockByClassTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfStockByClassTable.4895.11.6" xlink:to="lab_ScheduleOfStockByClassTable.16952.309266" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_ScheduleOfStockByClassTable.16952.309266" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_ScheduleOfStockByClassTable.16952.309266">Schedule of Stock by Class [Table]</link:label>
    <link:loc xlink:label="loc_SeriesEPreferredStockMember.5025.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SeriesEPreferredStockMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SeriesEPreferredStockMember.5025.11.6" xlink:to="lab_SeriesEPreferredStockMember.459090.191374.308704" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_SeriesEPreferredStockMember.459090.191374.308704" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_SeriesEPreferredStockMember.459090.191374.308704">Series E Preferred Stock [Member]</link:label>
    <link:loc xlink:label="loc_StatementClassOfStockAxis.5173.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StatementClassOfStockAxis.5173.11.6" xlink:to="lab_StatementClassOfStockAxis.459088.191376.308706" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StatementClassOfStockAxis.459088.191376.308706" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StatementClassOfStockAxis.459088.191376.308706">Class of Stock [Axis]</link:label>
    <link:loc xlink:label="loc_StockIssuedDuringPeriodSharesNewIssues.17271.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockIssuedDuringPeriodSharesNewIssues.17271.11.6" xlink:to="lab_StockIssuedDuringPeriodSharesNewIssues.18689" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockIssuedDuringPeriodSharesNewIssues.18689" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StockIssuedDuringPeriodSharesNewIssues.18689">Stock Issued During Period, Shares, New Issues</link:label>
    <link:loc xlink:label="loc_StockIssuedDuringPeriodSharesNewIssues.17271.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockIssuedDuringPeriodSharesNewIssues.17271.11.8" xlink:to="lab_StockIssuedDuringPeriodSharesNewIssues8.217013.311755" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockIssuedDuringPeriodSharesNewIssues8.217013.311755" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockIssuedDuringPeriodSharesNewIssues8.217013.311755">Shares of stock issued</link:label>
    <link:loc xlink:label="loc_StockIssuedDuringPeriodValueNewIssues.17285.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockIssuedDuringPeriodValueNewIssues.17285.11.6" xlink:to="lab_StockIssuedDuringPeriodValueNewIssues.18706" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockIssuedDuringPeriodValueNewIssues.18706" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StockIssuedDuringPeriodValueNewIssues.18706">Stock Issued During Period, Value, New Issues</link:label>
    <link:loc xlink:label="loc_StockIssuedDuringPeriodValueNewIssues.17285.11.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockIssuedDuringPeriodValueNewIssues.17285.11.8" xlink:to="lab_StockIssuedDuringPeriodValueNewIssues8.217014.311756" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockIssuedDuringPeriodValueNewIssues8.217014.311756" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockIssuedDuringPeriodValueNewIssues8.217014.311756">Value of stock issued</link:label>
    <link:loc xlink:label="loc_StockRepurchasedDuringPeriodShares.17281.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockRepurchasedDuringPeriodShares" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockRepurchasedDuringPeriodShares.17281.11.6" xlink:to="lab_StockRepurchasedDuringPeriodShares.18702" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockRepurchasedDuringPeriodShares.18702" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_StockRepurchasedDuringPeriodShares.18702">Stock Repurchased During Period, Shares</link:label>
    <link:loc xlink:label="loc_StockRepurchasedDuringPeriodShares.17281.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockRepurchasedDuringPeriodShares" xlink:type="locator" />
    <link:labelArc xlink:from="loc_StockRepurchasedDuringPeriodShares.17281.11.7" xlink:to="lab_StockRepurchasedDuringPeriodShares.217016.311758" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_StockRepurchasedDuringPeriodShares.217016.311758" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_StockRepurchasedDuringPeriodShares.217016.311758">Shares of stock repurchased</link:label>
    <link:loc xlink:label="loc_PreferredStockDividendRatePercentage.14679.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockDividendRatePercentage" xlink:type="locator" />
    <link:labelArc xlink:from="loc_PreferredStockDividendRatePercentage.14679.11.6" xlink:to="us-gaap_PreferredStockDividendRatePercentage_lbl.458823.191377.308710" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_PreferredStockDividendRatePercentage_lbl.458823.191377.308710" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_PreferredStockDividendRatePercentage_lbl.458823.191377.308710">Preferred Stock, Dividend Rate, Percentage</link:label>
    <link:loc xlink:label="loc_CommercialBankingMember.36783.11.12" xlink:href="asrv-20131231.xsd#asrv_CommercialBankingMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommercialBankingMember.36783.11.12" xlink:to="asrv_CommercialBankingMember_lbl.458887.190523.308773" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_CommercialBankingMember_lbl.458887.190523.308773" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_CommercialBankingMember_lbl.458887.190523.308773">Commercial banking.</link:label>
    <link:loc xlink:label="loc_TrustMember.36884.11.12" xlink:href="asrv-20131231.xsd#asrv_TrustMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TrustMember.36884.11.12" xlink:to="asrv_TrustMember_lbl.458890.190529.308779" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="asrv_TrustMember_lbl.458890.190529.308779" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="asrv_TrustMember_lbl.458890.190529.308779">Trust.</link:label>
    <link:loc xlink:label="loc_Assets.6057.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:type="locator" />
    <link:labelArc xlink:from="loc_Assets.6057.11.7" xlink:to="lab_Assets.217500.313082" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_Assets.217500.313082" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_Assets.217500.313082">Total assets</link:label>
    <link:loc xlink:label="loc_CommercialBankingMember.36783.11.6" xlink:href="asrv-20131231.xsd#asrv_CommercialBankingMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_CommercialBankingMember.36783.11.6" xlink:to="lab_CommercialBankingMember.458885.190530.308780" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_CommercialBankingMember.458885.190530.308780" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_CommercialBankingMember.458885.190530.308780">Commercial Banking [Member]</link:label>
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefit.11134.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:labelArc xlink:from="loc_IncomeTaxExpenseBenefit.11134.11.7" xlink:to="lab_IncomeTaxExpenseBenefit.217505.313081" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_IncomeTaxExpenseBenefit.217505.313081" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_IncomeTaxExpenseBenefit.217505.313081">Provision for income taxes (benefit)</link:label>
    <link:loc xlink:label="loc_InterestIncomeExpenseNet.11727.11.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InterestIncomeExpenseNet.11727.11.7" xlink:to="lab_InterestIncomeExpenseNet.222631.313083" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InterestIncomeExpenseNet.222631.313083" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US" id="lab_InterestIncomeExpenseNet.222631.313083">Net interest income</link:label>
    <link:loc xlink:label="loc_InvestmentParentMember.37283.11.6" xlink:href="asrv-20131231.xsd#asrv_InvestmentParentMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentParentMember.37283.11.6" xlink:to="lab_InvestmentParentMember.217513.313078" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InvestmentParentMember.217513.313078" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_InvestmentParentMember.217513.313078">Investment/ Parent [Member]</link:label>
    <link:loc xlink:label="loc_InvestmentParentMember.37283.11.12" xlink:href="asrv-20131231.xsd#asrv_InvestmentParentMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_InvestmentParentMember.37283.11.12" xlink:to="lab_InvestmentParentMember12.217515.313079" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_InvestmentParentMember12.217515.313079" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US" id="lab_InvestmentParentMember12.217515.313079">Investment/ Parent [Member]</link:label>
    <link:loc xlink:label="loc_TrustMember.36884.11.6" xlink:href="asrv-20131231.xsd#asrv_TrustMember" xlink:type="locator" />
    <link:labelArc xlink:from="loc_TrustMember.36884.11.6" xlink:to="lab_TrustMember.458888.190533.308783" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="lab_TrustMember.458888.190533.308783" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="lab_TrustMember.458888.190533.308783">Trust [Member]</link:label>
    <link:loc xlink:label="loc_ScheduleOfSegmentReportingInformationBySegmentTable.4885.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:type="locator" />
    <link:labelArc xlink:from="loc_ScheduleOfSegmentReportingInformationBySegmentTable.4885.11.6" xlink:to="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_lbl.458878.190537.308787" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_lbl.458878.190537.308787" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_lbl.458878.190537.308787">Schedule of Segment Reporting Information, by Segment [Table]</link:label>
    <link:loc xlink:label="loc_SegmentReportingInformationLineItems.4975.11.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:type="locator" />
    <link:labelArc xlink:from="loc_SegmentReportingInformationLineItems.4975.11.6" xlink:to="us-gaap_SegmentReportingInformationLineItems_lbl.458894.190540.308790" order="1" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:type="arc" />
    <link:label xlink:label="us-gaap_SegmentReportingInformationLineItems_lbl.458894.190540.308790" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US" id="us-gaap_SegmentReportingInformationLineItems_lbl.458894.190540.308790">Segment Reporting Information [Line Items]</link:label>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>13
<FILENAME>asrv-20131231_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII" standalone="no"?>
<!--Created by Vintage Filings ("VF")-->
<!--produced on 2014-02-26 @ 7:50 PM-->
<link:linkbase xmlns:asrv="http://ameriservfinancial.com/20131231" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase">
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLosses" xlink:href="asrv-20131231.xsd#asrv-afll1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedDetails" xlink:href="asrv-20131231.xsd#asrv-afllariiilariird1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesClassesOfLoanPortfolioByAgingCategoriesDetails" xlink:href="asrv-20131231.xsd#asrv-afllcolpbacd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesScheduleOfImpairedLoansByClassDetails" xlink:href="asrv-20131231.xsd#asrv-afllsoilbcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesLoanPortfolioSummarizedByCategoriesDetails" xlink:href="asrv-20131231.xsd#asrv-aflllpsbcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-afllnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesPerformingAndNonperformingOutstandingBalancesDetails" xlink:href="asrv-20131231.xsd#asrv-afllpanobd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesRollforwardOfAllowanceForLoanLossesByPortfolioSegmentDetails" xlink:href="asrv-20131231.xsd#asrv-afllroafllbpsd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesSummaryOfPrimarySegmentsOfLoanPortfolioDetails" xlink:href="asrv-20131231.xsd#asrv-afllsopsolpd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AllowanceForLoanLossesTables" xlink:href="asrv-20131231.xsd#asrv-afllt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLoss" xlink:href="asrv-20131231.xsd#asrv-aocl1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossScheduleOfAmountsReclassifiedOutOfEachComponentOfAccumulatedOtherComprehensiveLossDetails" xlink:href="asrv-20131231.xsd#asrv-aoclsoarooecoaocld" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveLossDetails" xlink:href="asrv-20131231.xsd#asrv-aoclsociecoaocld" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossTables" xlink:href="asrv-20131231.xsd#asrv-aoclt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPolicies" xlink:href="asrv-20131231.xsd#asrv-sosap1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/CommitmentsAndContingentLiabilities" xlink:href="asrv-20131231.xsd#asrv-cacl1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedBalanceSheets" xlink:href="asrv-20131231.xsd#asrv-cbs1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedBalanceSheetsParenthetical" xlink:href="asrv-20131231.xsd#asrv-cbsp1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfCashFlows" xlink:href="asrv-20131231.xsd#asrv-csocf12" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfComprehensiveIncome" xlink:href="asrv-20131231.xsd#asrv-csoci1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfOperations" xlink:href="asrv-20131231.xsd#asrv-csoo1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DocumentAndEntityInformation" xlink:href="asrv-20131231.xsd#asrv-daei1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurements" xlink:href="asrv-20131231.xsd#asrv-dafvm1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsScheduleOfAssetsAndLiabilitiesMeasuredOnRecurringBasisDetails" xlink:href="asrv-20131231.xsd#asrv-dafvmsoaalmorbd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsScheduleOfAssetsMeasuredAtFairValueOnNonrecurringBasisDetails" xlink:href="asrv-20131231.xsd#asrv-dafvmsoamafvonbd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstrumentsDetails" xlink:href="asrv-20131231.xsd#asrv-dafvofid1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsTables" xlink:href="asrv-20131231.xsd#asrv-dafvmt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/InvestmentSecurities" xlink:href="asrv-20131231.xsd#asrv-is1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfContractualMaturitiesOfSecuritiesDetails" xlink:href="asrv-20131231.xsd#asrv-issocmosd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfInformationConcerningInvestmentsWithUnrealizedLossesDetails" xlink:href="asrv-20131231.xsd#asrv-issoiciwuld" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-isnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfCostBasisAndFairValuesOfInvestmentSecuritiesDetails" xlink:href="asrv-20131231.xsd#asrv-issocbafvoisd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/InvestmentSecuritiesTables" xlink:href="asrv-20131231.xsd#asrv-ist1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/Loans" xlink:href="asrv-20131231.xsd#asrv-l1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/LoansNarativeDetails" xlink:href="asrv-20131231.xsd#asrv-lnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/LoansSummaryOfLoanPortfolioDetails" xlink:href="asrv-20131231.xsd#asrv-lsolpd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/LoansTables" xlink:href="asrv-20131231.xsd#asrv-lt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfNonperformingAssetsIncludingTdrDetails" xlink:href="asrv-20131231.xsd#asrv-naitdrtsonaitd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-naitdrtnd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfRecordedInvestmentOfDefaultsDetails" xlink:href="asrv-20131231.xsd#asrv-naitdrtsoriodd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfInterestIncomeDetails" xlink:href="asrv-20131231.xsd#asrv-naitdrtsoiid" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfTdrsDetails" xlink:href="asrv-20131231.xsd#asrv-naitdrtsotd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdr" xlink:href="asrv-20131231.xsd#asrv-naitdrt12" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrTables" xlink:href="asrv-20131231.xsd#asrv-naitdrtt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlans" xlink:href="asrv-20131231.xsd#asrv-ebp1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PreferredStock" xlink:href="asrv-20131231.xsd#asrv-ps1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PreferredStockScheduleOfPreferredDividendStockPeriodAnnualizedDetails" xlink:href="asrv-20131231.xsd#asrv-pssopdspad" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PreferredStockTables" xlink:href="asrv-20131231.xsd#asrv-pst1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/RegulatoryCapital" xlink:href="asrv-20131231.xsd#asrv-rc1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/RegulatoryCapitalDetails" xlink:href="asrv-20131231.xsd#asrv-rcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/RegulatoryCapitalTables" xlink:href="asrv-20131231.xsd#asrv-rct1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SegmentResults" xlink:href="asrv-20131231.xsd#asrv-sr1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SegmentResultsTables" xlink:href="asrv-20131231.xsd#asrv-srt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfChangesInStockholdersEquity" xlink:href="asrv-20131231.xsd#asrv-csocise1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ConsolidatedStatementsOfChangesInStockholdersEquityParenthetical" xlink:href="asrv-20131231.xsd#asrv-csocisep1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/CashAndDueFromDepositoryInstitutions" xlink:href="asrv-20131231.xsd#asrv-cadfdi" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/Deposits" xlink:href="asrv-20131231.xsd#asrv-d1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ShorttermBorrowings" xlink:href="asrv-20131231.xsd#asrv-sb1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebentures" xlink:href="asrv-20131231.xsd#asrv-affhlbagjsdid1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstruments" xlink:href="asrv-20131231.xsd#asrv-dafvofi1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxes" xlink:href="asrv-20131231.xsd#asrv-it1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/LeaseCommitments" xlink:href="asrv-20131231.xsd#asrv-lc1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/StockCompensationPlans" xlink:href="asrv-20131231.xsd#asrv-scp1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IntangibleAssets" xlink:href="asrv-20131231.xsd#asrv-ia" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DerivativeHedgingInstruments" xlink:href="asrv-20131231.xsd#asrv-dhi" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformation" xlink:href="asrv-20131231.xsd#asrv-pcfi" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SelectedQuarterlyConsolidatedFinancialData" xlink:href="asrv-20131231.xsd#asrv-sqcfd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PremisesAndEquipment" xlink:href="asrv-20131231.xsd#asrv-pae" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesTables" xlink:href="asrv-20131231.xsd#asrv-sosapt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesPolicy" xlink:href="asrv-20131231.xsd#asrv-sosapp1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PremisesAndEquipmentTables" xlink:href="asrv-20131231.xsd#asrv-paet" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DepositsTables" xlink:href="asrv-20131231.xsd#asrv-dt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ShorttermBorrowingsTables" xlink:href="asrv-20131231.xsd#asrv-sbt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesTables" xlink:href="asrv-20131231.xsd#asrv-affhlbagjsdidt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstrumentsTables" xlink:href="asrv-20131231.xsd#asrv-dafvofit1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxesTables" xlink:href="asrv-20131231.xsd#asrv-itt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/LeaseCommitmentsTables" xlink:href="asrv-20131231.xsd#asrv-lct1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/StockCompensationPlansTables" xlink:href="asrv-20131231.xsd#asrv-scpt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DerivativeHedgingInstrumentsTables" xlink:href="asrv-20131231.xsd#asrv-dhit" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationTables" xlink:href="asrv-20131231.xsd#asrv-pcfit" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SelectedQuarterlyConsolidatedFinancialDataTables" xlink:href="asrv-20131231.xsd#asrv-sqcfdt" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-sosapnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesScheduleOfAccumulatedOtherComprehensiveLossDetails" xlink:href="asrv-20131231.xsd#asrv-sosapsoaocld1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesEarningsPerShareDetails" xlink:href="asrv-20131231.xsd#asrv-sosapepsd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PremisesAndEquipmentDetails" xlink:href="asrv-20131231.xsd#asrv-paed" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DepositsScheduleOfBalancesOfDepositsDetails" xlink:href="asrv-20131231.xsd#asrv-dsobodd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DepositsScheduleOfInterestExpenseOnDepositsDetails" xlink:href="asrv-20131231.xsd#asrv-dsoieodd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DepositsScheduleOfBalancesOfDepositsOfOneZeroZeroZeroZeroZeroOrMoreDetails" xlink:href="asrv-20131231.xsd#asrv-dsobodoomd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DepositsScheduleOfMaturitiesOfDepositsOfOneZeroZeroZeroZeroZeroOrMoreDetails" xlink:href="asrv-20131231.xsd#asrv-dsomodoomd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ShorttermBorrowingsDetails" xlink:href="asrv-20131231.xsd#asrv-sbd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesScheduleOfBalancesAndAdvancesDetails" xlink:href="asrv-20131231.xsd#asrv-affhlbagjsdidsobaad1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-affhlbagjsdidnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-dafvmnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfExpenseForIncomeTaxesDetails" xlink:href="asrv-20131231.xsd#asrv-itsoefitd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfReconciliationBetweenFederalStatutoryTaxRateAndEffectiveIncomeTaxRateDetails" xlink:href="asrv-20131231.xsd#asrv-itsorbfstraeitrd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfDeferredTaxAssetsAndLiabilitiesDetails" xlink:href="asrv-20131231.xsd#asrv-itsodtaald1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfChangeInNetDeferredTaxAssetsAndLiabilitiesDetails" xlink:href="asrv-20131231.xsd#asrv-itsocindtaald1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IncomeTaxesNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-itnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansTables" xlink:href="asrv-20131231.xsd#asrv-ebpt1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-ebpnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfChangesInBenefitObligationsAndPlanAssetsAndFundedStatusDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsociboapaafsd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAmountsNotYetRecognizedAsComponentOfNetPeriodicPensionCostDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsoanyraconppcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAccumulatedBenefitObligationDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsoabod1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfWeightedAverageAssumptionsUsedToDetermineBenefitObligationsDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsowaautdbod1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfComponentsOfNetPeriodicBenefitCostDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsoconpbcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfOtherChangesInPlanAssetsAndBenefitObligationsRecognizedInOtherComprehensiveIncomeLossDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsoocipaaboriocild1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfWeightedAverageAssumptionsUsedToDetermineNetPeriodicBenefitCostDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsowaautdnpbcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfPlansAssetAllocationsDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsopaad1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAssetsMeasuredAtFairValueDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsoamafvd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfEstimatedFutureBenefitPaymentsDetails" xlink:href="asrv-20131231.xsd#asrv-ebpsoefbpd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/LeaseCommitmentsDetails" xlink:href="asrv-20131231.xsd#asrv-lcd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/StockCompensationPlansNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-scpnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/StockCompensationPlansScheduleOfStockIncentivePlanActivityDetails" xlink:href="asrv-20131231.xsd#asrv-scpsosipad1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/StockCompensationPlansScheduleOfAssumptionsDetails" xlink:href="asrv-20131231.xsd#asrv-scpsoad1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/IntangibleAssetsDetails" xlink:href="asrv-20131231.xsd#asrv-iad" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/DerivativeHedgingInstrumentsDetails" xlink:href="asrv-20131231.xsd#asrv-dhid" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationBalanceSheetsDetails" xlink:href="asrv-20131231.xsd#asrv-pcfibsd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationStatementsOfOperationsDetails" xlink:href="asrv-20131231.xsd#asrv-pcfisood" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationStatementsOfCashFlowsDetails" xlink:href="asrv-20131231.xsd#asrv-pcfisocfd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-pcfind" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SelectedQuarterlyConsolidatedFinancialDataDetails" xlink:href="asrv-20131231.xsd#asrv-sqcfdd" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/CashAndDueFromDepositoryInstitutionsDetails" xlink:href="asrv-20131231.xsd#asrv-cadfdid" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/CommitmentsAndContingentLiabilitiesDetails" xlink:href="asrv-20131231.xsd#asrv-cacld1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/PreferredStockNarrativeDetails" xlink:href="asrv-20131231.xsd#asrv-psnd1" xlink:type="simple" />
  <link:roleRef roleURI="http://ameriservfinancial.com/role/SegmentResultsDetails" xlink:href="asrv-20131231.xsd#asrv-srd1" xlink:type="simple" />
  <link:presentationLink xlink:title="105 - Disclosure - ALLOWANCE FOR LOAN LOSSES" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLosses" xlink:type="extended">
    <link:loc xlink:label="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_AllowanceForCreditLossesTextBlock.5931.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForCreditLossesTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.8" xlink:to="loc_AllowanceForCreditLossesTextBlock.5931.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40504 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Average Recorded Investment in Impaired Loans and Related Interest Income Recognized) (Details)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.2600.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:to="loc_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.2600.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InterestAndOtherIncomeAbstract.2840.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndOtherIncomeAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:to="loc_InterestAndOtherIncomeAbstract.2840.12.8" order="21.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfImpairedFinancingReceivableTable.4771.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.6" xlink:to="loc_ScheduleOfImpairedFinancingReceivableTable.4771.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialLoanMember.1070.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_CommercialLoanMember.1070.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_CommercialRealEstateMember.1077.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_ConsumerLoanMember.1175.12.8" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivableAverageRecordedInvestment.10992.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract.2600.12.8" xlink:to="loc_ImpairedFinancingReceivableAverageRecordedInvestment.10992.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.11010.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InterestAndOtherIncomeAbstract.2840.12.8" xlink:to="loc_ImpairedFinancingReceivableInterestIncomeCashBasisMethod.11010.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfImpairedFinancingReceivableTable.4771.12.6" xlink:to="loc_AccountsNotesAndLoansReceivableLineItems.434.12.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfImpairedFinancingReceivableTable.4771.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" order="30.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40507 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Classes of Loan Portfolio by Aging Categories) (Details)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesClassesOfLoanPortfolioByAgingCategoriesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:to="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_StatementTable.5163.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.6" xlink:to="loc_StatementTable.5163.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.10242.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.12.8" xlink:to="loc_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.10242.12.8" order="140.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.12.9" xlink:to="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.12.9" order="120.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentPastDue.10284.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.12.9" xlink:to="loc_FinancingReceivableRecordedInvestmentPastDue.10284.12.9" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.10274.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.12.8" xlink:to="loc_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue.10274.12.8" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment60To89DaysPastDue.10275.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.12.8" xlink:to="loc_FinancingReceivableRecordedInvestment60To89DaysPastDue.10275.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment30To59DaysPastDue.10259.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.12.8" xlink:to="loc_FinancingReceivableRecordedInvestment30To59DaysPastDue.10259.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentCurrent.10278.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentAgingAbstract.2281.12.7" xlink:to="loc_FinancingReceivableRecordedInvestmentCurrent.10278.12.7" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialLoanMember.1070.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_CommercialLoanMember.1070.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_CommercialRealEstateMember.1077.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_MortgageLoansOnRealEstateMember.3405.12.8" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_ConsumerLoanMember.1175.12.8" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementTable.5163.12.6" xlink:to="loc_AccountsNotesAndLoansReceivableLineItems.434.12.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_StatementTable.5163.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" order="30.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40503 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Schedule of Impaired Loans by Class) (Details)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesScheduleOfImpairedLoansByClassDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRecordedInvestment.10996.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:to="loc_ImpairedFinancingReceivableRecordedInvestment.10996.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRelatedAllowance.10998.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:to="loc_ImpairedFinancingReceivableRelatedAllowance.10998.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivableUnpaidPrincipalBalance.10994.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:to="loc_ImpairedFinancingReceivableUnpaidPrincipalBalance.10994.12.8" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfImpairedFinancingReceivableTable.4771.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.6" xlink:to="loc_ScheduleOfImpairedFinancingReceivableTable.4771.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_CommercialRealEstateMember.1077.12.8" order="1.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_ConsumerLoanMember.1175.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CommercialLoanMember.1070.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_CommercialLoanMember.1070.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfImpairedFinancingReceivableTable.4771.12.6" xlink:to="loc_AccountsNotesAndLoansReceivableLineItems.434.12.6" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfImpairedFinancingReceivableTable.4771.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ImpairedLoansAxis.36821.12.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfImpairedFinancingReceivableTable.4771.12.6" xlink:to="loc_ImpairedLoansAxis.36821.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ImpairedLoansDomain.36822.12.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ImpairedLoansAxis.36821.12.6" xlink:to="loc_ImpairedLoansDomain.36822.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ImpairedLoansWithSpecificAllowanceMember.36824.12.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansWithSpecificAllowanceMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ImpairedLoansDomain.36822.12.6" xlink:to="loc_ImpairedLoansWithSpecificAllowanceMember.36824.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ImpairedLoansWithNoSpecificAllowanceMember.36823.12.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansWithNoSpecificAllowanceMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ImpairedLoansDomain.36822.12.6" xlink:to="loc_ImpairedLoansWithNoSpecificAllowanceMember.36823.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40505 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Loan Portfolio Summarized by Categories) (Details)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesLoanPortfolioSummarizedByCategoriesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_LoansReceivableCommercialRealEstateAbstract.3198.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansReceivableCommercialRealEstateAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:to="loc_LoansReceivableCommercialRealEstateAbstract.3198.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.6" xlink:to="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialLoanMember.1070.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_CommercialLoanMember.1070.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_CommercialRealEstateMember.1077.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentAxis.2889.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InternalCreditAssessmentAxis.2889.12.6" xlink:to="loc_InternalCreditAssessmentDomain.2890.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PassMember.3918.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PassMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InternalCreditAssessmentDomain.2890.12.8" xlink:to="loc_PassMember.3918.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_SpecialMentionMember.5132.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SpecialMentionMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InternalCreditAssessmentDomain.2890.12.8" xlink:to="loc_SpecialMentionMember.5132.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_SubstandardMember.4705.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SubstandardMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InternalCreditAssessmentDomain.2890.12.8" xlink:to="loc_SubstandardMember.4705.12.8" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_DoubtfulMember.1326.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DoubtfulMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InternalCreditAssessmentDomain.2890.12.8" xlink:to="loc_DoubtfulMember.1326.12.8" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableCommercial.12520.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableCommercial" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LoansReceivableCommercialRealEstateAbstract.3198.12.8" xlink:to="loc_LoansAndLeasesReceivableCommercial.12520.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.12.6" xlink:to="loc_AccountsNotesAndLoansReceivableLineItems.434.12.6" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" order="50.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.12.6" xlink:to="loc_InternalCreditAssessmentAxis.2889.12.6" order="35.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40508 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure.36826.12.7" xlink:href="asrv-20131231.xsd#asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.7" xlink:to="loc_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure.36826.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_CreditReviewsMandatoryForLoansAggregateBalances.36787.12.7" xlink:href="asrv-20131231.xsd#asrv_CreditReviewsMandatoryForLoansAggregateBalances" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.7" xlink:to="loc_CreditReviewsMandatoryForLoansAggregateBalances.36787.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AnticipatedScopeOfRangeOfCoverage.36768.12.7" xlink:href="asrv-20131231.xsd#asrv_AnticipatedScopeOfRangeOfCoverage" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.7" xlink:to="loc_AnticipatedScopeOfRangeOfCoverage.36768.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor.36849.12.8" xlink:href="asrv-20131231.xsd#asrv_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:to="loc_NumberOfConsecutiveHistoricalQuartersForCalculationOfChargeOffFactor.36849.12.8" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances.36764.12.8" xlink:href="asrv-20131231.xsd#asrv_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:to="loc_AllowanceForLoanLossesPresentationOfCreditRatedWithAggregateBalances.36764.12.8" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_LoansPastDueAsToMaturity.36834.12.7" xlink:href="asrv-20131231.xsd#asrv_LoansPastDueAsToMaturity" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.7" xlink:to="loc_LoansPastDueAsToMaturity.36834.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ProvisionForLoanLeaseAndOtherLosses.15267.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.52" xlink:to="loc_ProvisionForLoanLeaseAndOtherLosses.15267.12.52" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_FinancingReceivableMinimumPercentRequiredToBeReviewed.37115.12.7" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.7" xlink:to="loc_FinancingReceivableMinimumPercentRequiredToBeReviewed.37115.12.7" order="8.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.37116.12.7" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.7" xlink:to="loc_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews.37116.12.7" order="9.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment.37117.12.7" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.7" xlink:to="loc_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment.37117.12.7" order="10.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.6" xlink:to="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialLoanMember.1070.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_CommercialLoanMember.1070.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_CommercialRealEstateMember.1077.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_MortgageLoansOnRealEstateMember.3405.12.8" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_ConsumerLoanMember.1175.12.8" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentAxis.2889.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InternalCreditAssessmentAxis.2889.12.6" xlink:to="loc_InternalCreditAssessmentDomain.2890.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_PassMember.3918.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PassMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InternalCreditAssessmentDomain.2890.12.6" xlink:to="loc_PassMember.3918.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_SpecialMentionMember.5132.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SpecialMentionMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InternalCreditAssessmentDomain.2890.12.6" xlink:to="loc_SpecialMentionMember.5132.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DoubtfulMember.1326.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DoubtfulMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InternalCreditAssessmentDomain.2890.12.6" xlink:to="loc_DoubtfulMember.1326.12.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeAxis.4365.12.6" xlink:to="loc_RangeMember.4366.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeMember.4366.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:loc xlink:label="loc_MinimumMember.3382.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MinimumMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeMember.4366.12.8" xlink:to="loc_MinimumMember.3382.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_MaximumMember.3373.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaximumMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeMember.4366.12.8" xlink:to="loc_MaximumMember.3373.12.8" order="21.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:presentationArc xlink:from="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.12.6" xlink:to="loc_RangeAxis.4365.12.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.12.6" xlink:to="loc_AccountsNotesAndLoansReceivableLineItems.434.12.6" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" order="30.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.12.6" xlink:to="loc_InternalCreditAssessmentAxis.2889.12.6" order="50.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40506 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Performing and Non-performing Outstanding Balances) (Details)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesPerformingAndNonperformingOutstandingBalancesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract.36831.12.8" xlink:href="asrv-20131231.xsd#asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:to="loc_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract.36831.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.6" xlink:to="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_MortgageLoansOnRealEstateMember.3405.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_ConsumerLoanMember.1175.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentAxis.2889.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InternalCreditAssessmentAxis.2889.12.6" xlink:to="loc_InternalCreditAssessmentDomain.2890.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PerformingFinancingReceivableMember.3917.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PerformingFinancingReceivableMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InternalCreditAssessmentDomain.2890.12.8" xlink:to="loc_PerformingFinancingReceivableMember.3917.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NonperformingFinancingReceivableMember.3476.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NonperformingFinancingReceivableMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InternalCreditAssessmentDomain.2890.12.8" xlink:to="loc_NonperformingFinancingReceivableMember.3476.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.12.6" xlink:to="loc_AccountsNotesAndLoansReceivableLineItems.434.12.6" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" order="50.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.12.6" xlink:to="loc_InternalCreditAssessmentAxis.2889.12.6" order="35.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableConsumer.12509.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableConsumer" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract.36831.12.8" xlink:to="loc_LoansAndLeasesReceivableConsumer.12509.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40501 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Rollforward of the Allowance for Loan Losses by Portfolio Segment) (Details)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesRollforwardOfAllowanceForLoanLossesByPortfolioSegmentDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLosses.10279.12.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.10" xlink:to="loc_FinancingReceivableAllowanceForCreditLosses.10279.12.10" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesWriteOffs.10268.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.52" xlink:to="loc_FinancingReceivableAllowanceForCreditLossesWriteOffs.10268.12.52" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesRecovery.10276.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:to="loc_FinancingReceivableAllowanceForCreditLossesRecovery.10276.12.8" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ProvisionForLoanLeaseAndOtherLosses.15267.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:to="loc_ProvisionForLoanLeaseAndOtherLosses.15267.12.8" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLosses.10279.12.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.11" xlink:to="loc_FinancingReceivableAllowanceForCreditLosses.10279.12.11" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    <link:loc xlink:label="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4764.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.6" xlink:to="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4764.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialLoanMember.1070.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_CommercialLoanMember.1070.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_CommercialRealEstateMember.1077.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_MortgageLoansOnRealEstateMember.3405.12.8" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_ConsumerLoanMember.1175.12.8" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AllocationForGeneralRiskMember.36763.12.8" xlink:href="asrv-20131231.xsd#asrv_AllocationForGeneralRiskMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_AllocationForGeneralRiskMember.36763.12.8" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4764.12.6" xlink:to="loc_AccountsNotesAndLoansReceivableLineItems.434.12.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4764.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" order="30.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40502 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Summary of Primary Segments of Loan Portfolio) (Details)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesSummaryOfPrimarySegmentsOfLoanPortfolioDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.9" xlink:to="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.12.9" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLosses.10279.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.9" xlink:to="loc_FinancingReceivableAllowanceForCreditLosses.10279.12.9" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableCollectivelyEvaluatedForImpairment.10288.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:to="loc_FinancingReceivableCollectivelyEvaluatedForImpairment.10288.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.10294.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.7" xlink:to="loc_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment.10294.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableIndividuallyEvaluatedForImpairment.10277.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:to="loc_FinancingReceivableIndividuallyEvaluatedForImpairment.10277.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.10256.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:to="loc_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1.10256.12.8" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4764.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.6" xlink:to="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4764.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialLoanMember.1070.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_CommercialLoanMember.1070.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_CommercialRealEstateMember.1077.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_MortgageLoansOnRealEstateMember.3405.12.8" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_ConsumerLoanMember.1175.12.8" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AllocationForGeneralRiskMember.36763.12.8" xlink:href="asrv-20131231.xsd#asrv_AllocationForGeneralRiskMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_AllocationForGeneralRiskMember.36763.12.8" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4764.12.6" xlink:to="loc_AccountsNotesAndLoansReceivableLineItems.434.12.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable.4764.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" order="30.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="305 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Tables)" xlink:role="http://ameriservfinancial.com/role/AllowanceForLoanLossesTables" xlink:type="extended">
    <link:loc xlink:label="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock.36874.12.8" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.8" xlink:to="loc_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock.36874.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivablesTableTextBlock.10983.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.8" xlink:to="loc_ImpairedFinancingReceivablesTableTextBlock.10983.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock.36871.12.8" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.8" xlink:to="loc_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock.36871.12.8" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableCreditQualityIndicatorsTableTextBlock.10281.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.8" xlink:to="loc_FinancingReceivableCreditQualityIndicatorsTableTextBlock.10281.12.8" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_PastDueFinancingReceivablesTableTextBlock.14129.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.8" xlink:to="loc_PastDueFinancingReceivablesTableTextBlock.14129.12.8" order="140.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock.36872.12.8" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.8" xlink:to="loc_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock.36872.12.8" order="120.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock.5935.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract.537.12.8" xlink:to="loc_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock.5935.12.8" order="10.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="119 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE LOSS" xlink:role="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLoss" xlink:type="extended">
    <link:loc xlink:label="loc_PartnersCapitalComprehensiveIncomeAbstract.3942.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PartnersCapitalComprehensiveIncomeAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ComprehensiveIncomeNoteTextBlock.7191.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PartnersCapitalComprehensiveIncomeAbstract.3942.12.7" xlink:to="loc_ComprehensiveIncomeNoteTextBlock.7191.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41902 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE LOSS (Schedule of Amounts Reclassified out of Each Component of Accumulated Other Comprehensive Loss) (Details)" xlink:role="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossScheduleOfAmountsReclassifiedOutOfEachComponentOfAccumulatedOtherComprehensiveLossDetails" xlink:type="extended">
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3785.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanFutureAmortizationOfGainLoss.8152.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3785.12.7" xlink:to="loc_DefinedBenefitPlanFutureAmortizationOfGainLoss.8152.12.7" order="1.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.13723.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3785.12.7" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.13723.12.7" order="4.25000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax.13673.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3785.12.7" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax.13673.12.7" order="4.75000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax.13692.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3785.12.7" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax.13692.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.8151.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3785.12.7" xlink:to="loc_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.8151.12.7" order="2.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.8106.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3785.12.7" xlink:to="loc_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.8106.12.7" order="3.62500" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3807.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.13768.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3807.12.52" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.13768.12.52" order="2.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3807.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13760.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3807.12.8" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13760.12.8" order="3.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3807.12.57" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_GainLossOnSaleOfInvestments.10646.12.57" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnSaleOfInvestments" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3807.12.57" xlink:to="loc_GainLossOnSaleOfInvestments.10646.12.57" order="1.75000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent.14107.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3807.12.8" xlink:to="loc_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent.14107.12.8" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_PartnersCapitalComprehensiveIncomeAbstract.3942.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PartnersCapitalComprehensiveIncomeAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3807.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PartnersCapitalComprehensiveIncomeAbstract.3942.12.7" xlink:to="loc_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3807.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:from="loc_PartnersCapitalComprehensiveIncomeAbstract.3942.12.7" xlink:to="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract.3785.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_PartnersCapitalComprehensiveIncomeAbstract.3942.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PartnersCapitalComprehensiveIncomeAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.36767.12.8" xlink:href="asrv-20131231.xsd#asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PartnersCapitalComprehensiveIncomeAbstract.3942.12.8" xlink:to="loc_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.36767.12.8" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41901 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE LOSS (Schedule of Changes in Each Component of Accumulated Other Comprehensive Loss) (Details)" xlink:role="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveLossDetails" xlink:type="extended">
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLocationAxis.3750.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLocationAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLocationDomain.3760.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLocationDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeLocationAxis.3750.12.6" xlink:to="loc_OtherComprehensiveIncomeLocationDomain.3760.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLocationDomain.3760.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLocationDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_AccumulatedNetUnrealizedInvestmentGainLossMember.465.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeLocationDomain.3760.12.7" xlink:to="loc_AccumulatedNetUnrealizedInvestmentGainLossMember.465.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeLocationDomain.3760.12.7" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_PartnersCapitalComprehensiveIncomeAbstract.3942.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PartnersCapitalComprehensiveIncomeAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveLossTable.36761.12.6" xlink:href="asrv-20131231.xsd#asrv_AccumulatedOtherComprehensiveLossTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PartnersCapitalComprehensiveIncomeAbstract.3942.12.6" xlink:to="loc_AccumulatedOtherComprehensiveLossTable.36761.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveLossLineItems.36760.12.10" xlink:href="asrv-20131231.xsd#asrv_AccumulatedOtherComprehensiveLossLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.12.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccumulatedOtherComprehensiveLossLineItems.36760.12.10" xlink:to="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.12.10" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveLossLineItems.36760.12.11" xlink:href="asrv-20131231.xsd#asrv_AccumulatedOtherComprehensiveLossLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.12.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccumulatedOtherComprehensiveLossLineItems.36760.12.11" xlink:to="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.12.11" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveLossLineItems.36760.12.8" xlink:href="asrv-20131231.xsd#asrv_AccumulatedOtherComprehensiveLossLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccumulatedOtherComprehensiveLossLineItems.36760.12.8" xlink:to="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.12.8" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveLossLineItems.36760.12.7" xlink:href="asrv-20131231.xsd#asrv_AccumulatedOtherComprehensiveLossLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossBeforeReclassifications.36854.12.7" xlink:href="asrv-20131231.xsd#asrv_OtherComprehensiveIncomeLossBeforeReclassifications" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccumulatedOtherComprehensiveLossLineItems.36760.12.7" xlink:to="loc_OtherComprehensiveIncomeLossBeforeReclassifications.36854.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.36767.12.7" xlink:href="asrv-20131231.xsd#asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccumulatedOtherComprehensiveLossLineItems.36760.12.7" xlink:to="loc_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss.36767.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:from="loc_AccumulatedOtherComprehensiveLossTable.36761.12.6" xlink:to="loc_OtherComprehensiveIncomeLocationAxis.3750.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveLossLineItems.36760.12.6" xlink:href="asrv-20131231.xsd#asrv_AccumulatedOtherComprehensiveLossLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccumulatedOtherComprehensiveLossTable.36761.12.6" xlink:to="loc_AccumulatedOtherComprehensiveLossLineItems.36760.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="319 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE LOSS (Tables)" xlink:role="http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossTables" xlink:type="extended">
    <link:loc xlink:label="loc_PartnersCapitalComprehensiveIncomeAbstract.3942.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PartnersCapitalComprehensiveIncomeAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock.36934.12.7" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PartnersCapitalComprehensiveIncomeAbstract.3942.12.7" xlink:to="loc_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock.36934.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.36968.12.7" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PartnersCapitalComprehensiveIncomeAbstract.3942.12.7" xlink:to="loc_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.36968.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="101 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES" xlink:role="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPolicies" xlink:type="extended">
    <link:loc xlink:label="loc_AccountingPoliciesAbstract.414.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_SignificantAccountingPoliciesTextBlock.17124.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SignificantAccountingPoliciesTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.8" xlink:to="loc_SignificantAccountingPoliciesTextBlock.17124.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="116 - Disclosure - COMMITMENTS AND CONTINGENT LIABILITIES" xlink:role="http://ameriservfinancial.com/role/CommitmentsAndContingentLiabilities" xlink:type="extended">
    <link:loc xlink:label="loc_CommitmentsAndContingenciesDisclosureAbstract.1079.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_CommitmentsAndContingenciesDisclosureTextBlock.7125.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CommitmentsAndContingenciesDisclosureAbstract.1079.12.8" xlink:to="loc_CommitmentsAndContingenciesDisclosureTextBlock.7125.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="002 - Statement - CONSOLIDATED BALANCE SHEETS" xlink:role="http://ameriservfinancial.com/role/ConsolidatedBalanceSheets" xlink:type="extended">
    <link:loc xlink:label="loc_AssetsAbstract.620.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_CashAndDueFromBanks.6815.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.8" xlink:to="loc_CashAndDueFromBanks.6815.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InterestBearingDepositsInBanks.11793.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositsInBanks" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.8" xlink:to="loc_InterestBearingDepositsInBanks.11793.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_OtherShortTermInvestments.14081.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherShortTermInvestments" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.8" xlink:to="loc_OtherShortTermInvestments.14081.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AssetsAbstract.620.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsAtCarryingValue.6843.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.9" xlink:to="loc_CashAndCashEquivalentsAtCarryingValue.6843.12.9" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_MarketableSecuritiesAbstract.3346.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MarketableSecuritiesAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.8" xlink:to="loc_MarketableSecuritiesAbstract.3346.12.8" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_Assets.6057.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.9" xlink:to="loc_Assets.6057.12.9" order="400.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentNet.15211.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.8" xlink:to="loc_PropertyPlantAndEquipmentNet.15211.12.8" order="220.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AccruedInvestmentIncomeReceivable.5738.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccruedInvestmentIncomeReceivable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.8" xlink:to="loc_AccruedInvestmentIncomeReceivable.5738.12.8" order="240.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_Goodwill.10732.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Goodwill" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.8" xlink:to="loc_Goodwill.10732.12.8" order="260.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_BankOwnedLifeInsurance.6282.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BankOwnedLifeInsurance" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.8" xlink:to="loc_BankOwnedLifeInsurance.6282.12.8" order="280.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankStock.10017.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankStock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.8" xlink:to="loc_FederalHomeLoanBankStock.10017.12.8" order="320.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FederalReserveBankStock.10052.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalReserveBankStock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.8" xlink:to="loc_FederalReserveBankStock.10052.12.8" order="340.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_PrepaidExpenseCurrentAndNoncurrent.14767.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PrepaidExpenseCurrentAndNoncurrent" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.8" xlink:to="loc_PrepaidExpenseCurrentAndNoncurrent.14767.12.8" order="360.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_OtherAssets.13839.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.8" xlink:to="loc_OtherAssets.13839.12.8" order="380.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_LoansHeldForSaleMortgages.12627.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansHeldForSaleMortgages" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.8" xlink:to="loc_LoansHeldForSaleMortgages.12627.12.8" order="120.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableGrossCarryingAmount.12566.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.8" xlink:to="loc_LoansAndLeasesReceivableGrossCarryingAmount.12566.12.8" order="140.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AssetsAbstract.620.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableDeferredIncome.12529.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableDeferredIncome" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.7" xlink:to="loc_LoansAndLeasesReceivableDeferredIncome.12529.12.7" order="160.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetReportedAmount.12598.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.9" xlink:to="loc_LoansAndLeasesReceivableNetReportedAmount.12598.12.9" order="200.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLosses.10279.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.8" xlink:to="loc_FinancingReceivableAllowanceForCreditLosses.10279.12.8" order="180.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_DeferredTaxAssetsLiabilitiesNet.7910.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.8" xlink:to="loc_DeferredTaxAssetsLiabilitiesNet.7910.12.8" order="310.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_LiabilitiesAbstract.3056.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_NoninterestBearingDepositLiabilities.13360.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LiabilitiesAbstract.3056.12.8" xlink:to="loc_NoninterestBearingDepositLiabilities.13360.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InterestBearingDepositLiabilities.11782.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDepositLiabilities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LiabilitiesAbstract.3056.12.8" xlink:to="loc_InterestBearingDepositLiabilities.11782.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_LiabilitiesAbstract.3056.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_Deposits.8332.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LiabilitiesAbstract.3056.12.9" xlink:to="loc_Deposits.8332.12.9" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesShortTerm.10073.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesShortTerm" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LiabilitiesAbstract.3056.12.8" xlink:to="loc_FederalHomeLoanBankAdvancesShortTerm.10073.12.8" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesLongTerm.10065.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesLongTerm" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LiabilitiesAbstract.3056.12.8" xlink:to="loc_FederalHomeLoanBankAdvancesLongTerm.10065.12.8" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_JuniorSubordinatedNotes.12033.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_JuniorSubordinatedNotes" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LiabilitiesAbstract.3056.12.8" xlink:to="loc_JuniorSubordinatedNotes.12033.12.8" order="120.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_DebtAndCapitalLeaseObligations.7647.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligations" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LiabilitiesAbstract.3056.12.9" xlink:to="loc_DebtAndCapitalLeaseObligations.7647.12.9" order="140.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_OtherLiabilities.14024.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherLiabilities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LiabilitiesAbstract.3056.12.8" xlink:to="loc_OtherLiabilities.14024.12.8" order="160.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_Liabilities.12166.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Liabilities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LiabilitiesAbstract.3056.12.9" xlink:to="loc_Liabilities.12166.12.9" order="180.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_StockholdersEquityAbstract.5197.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LiabilitiesAbstract.3056.12.8" xlink:to="loc_StockholdersEquityAbstract.5197.12.8" order="200.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_LiabilitiesAndStockholdersEquity.12135.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LiabilitiesAbstract.3056.12.9" xlink:to="loc_LiabilitiesAndStockholdersEquity.12135.12.9" order="220.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecurities.6182.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MarketableSecuritiesAbstract.3346.12.8" xlink:to="loc_AvailableForSaleSecurities.6182.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_MarketableSecuritiesAbstract.3346.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MarketableSecuritiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_HeldToMaturitySecurities.10889.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MarketableSecuritiesAbstract.3346.12.7" xlink:to="loc_HeldToMaturitySecurities.10889.12.7" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_StatementOfFinancialPositionAbstract.5171.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfFinancialPositionAbstract.5171.12.8" xlink:to="loc_AssetsAbstract.620.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:presentationArc xlink:from="loc_StatementOfFinancialPositionAbstract.5171.12.8" xlink:to="loc_LiabilitiesAbstract.3056.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_PreferredStockValue.14687.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StockholdersEquityAbstract.5197.12.8" xlink:to="loc_PreferredStockValue.14687.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CommonStockValue.7134.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StockholdersEquityAbstract.5197.12.8" xlink:to="loc_CommonStockValue.7134.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_StockholdersEquityAbstract.5197.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_TreasuryStockValue.17716.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TreasuryStockValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StockholdersEquityAbstract.5197.12.52" xlink:to="loc_TreasuryStockValue.17716.12.52" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_AdditionalPaidInCapitalCommonStock.5814.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdditionalPaidInCapitalCommonStock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StockholdersEquityAbstract.5197.12.8" xlink:to="loc_AdditionalPaidInCapitalCommonStock.5814.12.8" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_RetainedEarningsAccumulatedDeficit.16058.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StockholdersEquityAbstract.5197.12.8" xlink:to="loc_RetainedEarningsAccumulatedDeficit.16058.12.8" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StockholdersEquityAbstract.5197.12.8" xlink:to="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.12.8" order="120.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_StockholdersEquityAbstract.5197.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_StockholdersEquity.17302.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StockholdersEquityAbstract.5197.12.9" xlink:to="loc_StockholdersEquity.17302.12.9" order="140.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="003 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical)" xlink:role="http://ameriservfinancial.com/role/ConsolidatedBalanceSheetsParenthetical" xlink:type="extended">
    <link:loc xlink:label="loc_StatementOfFinancialPositionAbstract.5171.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesFairValue.10919.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfFinancialPositionAbstract.5171.12.8" xlink:to="loc_HeldToMaturitySecuritiesFairValue.10919.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_PreferredStockNoParValue.14678.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockNoParValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfFinancialPositionAbstract.5171.12.8" xlink:to="loc_PreferredStockNoParValue.14678.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_PreferredStockLiquidationPreference.14672.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockLiquidationPreference" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfFinancialPositionAbstract.5171.12.8" xlink:to="loc_PreferredStockLiquidationPreference.14672.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_PreferredStockSharesAuthorized.14701.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockSharesAuthorized" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfFinancialPositionAbstract.5171.12.8" xlink:to="loc_PreferredStockSharesAuthorized.14701.12.8" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_StatementOfFinancialPositionAbstract.5171.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_PreferredStockSharesIssued.14694.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockSharesIssued" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfFinancialPositionAbstract.5171.12.7" xlink:to="loc_PreferredStockSharesIssued.14694.12.7" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_PreferredStockSharesOutstanding.14710.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockSharesOutstanding" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfFinancialPositionAbstract.5171.12.8" xlink:to="loc_PreferredStockSharesOutstanding.14710.12.8" order="120.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CommonStockParOrStatedValuePerShare.7131.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfFinancialPositionAbstract.5171.12.8" xlink:to="loc_CommonStockParOrStatedValuePerShare.7131.12.8" order="140.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CommonStockSharesAuthorized.7144.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfFinancialPositionAbstract.5171.12.8" xlink:to="loc_CommonStockSharesAuthorized.7144.12.8" order="160.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CommonStockSharesIssued.7136.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfFinancialPositionAbstract.5171.12.8" xlink:to="loc_CommonStockSharesIssued.7136.12.8" order="180.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CommonStockSharesOutstanding.7164.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfFinancialPositionAbstract.5171.12.8" xlink:to="loc_CommonStockSharesOutstanding.7164.12.8" order="200.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TreasuryStockShares.17707.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TreasuryStockShares" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfFinancialPositionAbstract.5171.12.8" xlink:to="loc_TreasuryStockShares.17707.12.8" order="220.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="008 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS" xlink:role="http://ameriservfinancial.com/role/ConsolidatedStatementsOfCashFlows" xlink:type="extended">
    <link:loc xlink:label="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherDepreciationAndAmortization.13981.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherDepreciationAndAmortization" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.8" xlink:to="loc_OtherDepreciationAndAmortization.13981.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_AccretionAmortizationOfDiscountsAndPremiumsInvestments.5696.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.52" xlink:to="loc_AccretionAmortizationOfDiscountsAndPremiumsInvestments.5696.12.52" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_GainLossOnSaleOfInvestments.10646.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnSaleOfInvestments" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.52" xlink:to="loc_GainLossOnSaleOfInvestments.10646.12.52" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_GainLossOnSaleOfLoansAndLeases.10629.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnSaleOfLoansAndLeases" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.52" xlink:to="loc_GainLossOnSaleOfLoansAndLeases.10629.12.52" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_AmortizationOfDeferredLoanOriginationFeesNet.5988.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AmortizationOfDeferredLoanOriginationFeesNet" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.52" xlink:to="loc_AmortizationOfDeferredLoanOriginationFeesNet.5988.12.52" order="120.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_PaymentsForOriginationOfMortgageLoansHeldForSale.14212.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.52" xlink:to="loc_PaymentsForOriginationOfMortgageLoansHeldForSale.14212.12.52" order="140.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_ProceedsFromSaleOfMortgageLoansHeldForSale.15081.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.8" xlink:to="loc_ProceedsFromSaleOfMortgageLoansHeldForSale.15081.12.8" order="160.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_IncreaseDecreaseInAccruedInterestReceivableNet.11326.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.52" xlink:to="loc_IncreaseDecreaseInAccruedInterestReceivableNet.11326.12.52" order="180.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_IncreaseDecreaseInInterestPayableNet.11374.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInInterestPayableNet" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.8" xlink:to="loc_IncreaseDecreaseInInterestPayableNet.11374.12.8" order="200.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_DeferredIncomeTaxExpenseBenefit.7887.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.8" xlink:to="loc_DeferredIncomeTaxExpenseBenefit.7887.12.8" order="240.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_IncreaseDecreaseInPrepaidExpense.11428.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInPrepaidExpense" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.52" xlink:to="loc_IncreaseDecreaseInPrepaidExpense.11428.12.52" order="280.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_IncreaseDecreaseInOtherOperatingAssets.11423.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.52" xlink:to="loc_IncreaseDecreaseInOtherOperatingAssets.11423.12.52" order="300.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_OtherBankOwnedLifeInsuranceIncome.36853.12.52" xlink:href="asrv-20131231.xsd#asrv_OtherBankOwnedLifeInsuranceIncome" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.52" xlink:to="loc_OtherBankOwnedLifeInsuranceIncome.36853.12.52" order="221.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_ProvisionForLoanLeaseAndOtherLosses.15267.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.8" xlink:to="loc_ProvisionForLoanLeaseAndOtherLosses.15267.12.8" order="37.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_StockOptionPlanExpense.17263.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockOptionPlanExpense" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.8" xlink:to="loc_StockOptionPlanExpense.17263.12.8" order="270.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_IncreaseDecreaseInDeposits.11242.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.8" xlink:to="loc_IncreaseDecreaseInDeposits.11242.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_RepaymentsOfFederalHomeLoanBankBorrowings.15818.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.52" xlink:to="loc_RepaymentsOfFederalHomeLoanBankBorrowings.15818.12.52" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_PaymentsForRepurchaseOfEquity.14264.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfEquity" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.52" xlink:to="loc_PaymentsForRepurchaseOfEquity.14264.12.52" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_ProceedsFromFederalHomeLoanBankBorrowings.15020.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromFederalHomeLoanBankBorrowings" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.8" xlink:to="loc_ProceedsFromFederalHomeLoanBankBorrowings.15020.12.8" order="50.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.9" xlink:to="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.12.9" order="121.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ProceedsFromRepaymentsOfShortTermDebt.14954.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.7" xlink:to="loc_ProceedsFromRepaymentsOfShortTermDebt.14954.12.7" order="45.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_PaymentsOfDividendsPreferredStockAndPreferenceStock.14313.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.52" xlink:to="loc_PaymentsOfDividendsPreferredStockAndPreferenceStock.14313.12.52" order="70.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_PaymentsForRepurchaseOfWarrants.14230.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfWarrants" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.52" xlink:to="loc_PaymentsForRepurchaseOfWarrants.14230.12.52" order="75.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_PaymentsOfDividendsCommonStock.14340.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.52" xlink:to="loc_PaymentsOfDividendsCommonStock.14340.12.52" order="72.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_PaymentsToAcquireAvailableForSaleSecuritiesDebt.14371.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.52" xlink:to="loc_PaymentsToAcquireAvailableForSaleSecuritiesDebt.14371.12.52" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_PaymentsToAcquireHeldToMaturitySecurities.14368.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.52" xlink:to="loc_PaymentsToAcquireHeldToMaturitySecurities.14368.12.52" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ProceedsFromSaleOfAvailableForSaleSecurities.15087.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.8" xlink:to="loc_ProceedsFromSaleOfAvailableForSaleSecurities.15087.12.8" order="105.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.15068.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.8" xlink:to="loc_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.15068.12.8" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities.15061.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.8" xlink:to="loc_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities.15061.12.8" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_PaymentsForProceedsFromFederalHomeLoanBankStock.14292.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.52" xlink:to="loc_PaymentsForProceedsFromFederalHomeLoanBankStock.14292.12.52" order="120.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment.15019.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.8" xlink:to="loc_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment.15019.12.8" order="160.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_PaymentsToAcquireLoansHeldForInvestment.14359.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireLoansHeldForInvestment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.52" xlink:to="loc_PaymentsToAcquireLoansHeldForInvestment.14359.12.52" order="180.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_ProceedsFromSaleOfOtherRealEstate.15093.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfOtherRealEstate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.8" xlink:to="loc_ProceedsFromSaleOfOtherRealEstate.15093.12.8" order="212.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_PaymentsToAcquireOtherPropertyPlantAndEquipment.14357.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.52" xlink:to="loc_PaymentsToAcquireOtherPropertyPlantAndEquipment.14357.12.52" order="211.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_PaymentsForProceedsFromLoansAndLeases.14256.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.52" xlink:to="loc_PaymentsForProceedsFromLoansAndLeases.14256.12.52" order="140.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_ProceedsFromLifeInsurancePolicies.15026.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromLifeInsurancePolicies" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.8" xlink:to="loc_ProceedsFromLifeInsurancePolicies.15026.12.8" order="213.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.9" xlink:to="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.12.9" order="261.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_ProceedsFromSaleOfLoansHeldForInvestment.15044.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForInvestment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.8" xlink:to="loc_ProceedsFromSaleOfLoansHeldForInvestment.15044.12.8" order="210.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_IncreaseDecreaseInShortTermDebtInvesting.37655.12.52" xlink:href="asrv-20131231.xsd#asrv_IncreaseDecreaseInShortTermDebtInvesting" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.52" xlink:to="loc_IncreaseDecreaseInShortTermDebtInvesting.37655.12.52" order="210.60000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_PaymentsToAcquireRegulatoryStock.44283.12.52" xlink:href="asrv-20131231.xsd#asrv_PaymentsToAcquireRegulatoryStock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.52" xlink:to="loc_PaymentsToAcquireRegulatoryStock.44283.12.52" order="113.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_NetIncomeLoss.13265.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.12.8" xlink:to="loc_NetIncomeLoss.13265.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.12.8" xlink:to="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.12.9" xlink:to="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.12.9" order="61.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_StatementOfCashFlowsAbstract.5168.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfCashFlowsAbstract.5168.12.8" xlink:to="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:presentationArc xlink:from="loc_StatementOfCashFlowsAbstract.5168.12.8" xlink:to="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:presentationArc xlink:from="loc_StatementOfCashFlowsAbstract.5168.12.8" xlink:to="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_StatementOfCashFlowsAbstract.5168.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsPeriodIncreaseDecrease.6834.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfCashFlowsAbstract.5168.12.9" xlink:to="loc_CashAndCashEquivalentsPeriodIncreaseDecrease.6834.12.9" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_StatementOfCashFlowsAbstract.5168.12.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsAtCarryingValue.6843.12.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfCashFlowsAbstract.5168.12.10" xlink:to="loc_CashAndCashEquivalentsAtCarryingValue.6843.12.10" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
    <link:loc xlink:label="loc_StatementOfCashFlowsAbstract.5168.12.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsAtCarryingValue.6843.12.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfCashFlowsAbstract.5168.12.11" xlink:to="loc_CashAndCashEquivalentsAtCarryingValue.6843.12.11" order="120.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="005 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME" xlink:role="http://ameriservfinancial.com/role/ConsolidatedStatementsOfComprehensiveIncome" xlink:type="extended">
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract.470.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_NetIncomeLoss.13265.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract.470.12.8" xlink:to="loc_NetIncomeLoss.13265.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ComprehensiveIncomeNetOfTaxAbstract.1128.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.3895.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ComprehensiveIncomeNetOfTaxAbstract.1128.12.8" xlink:to="loc_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.3895.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ComprehensiveIncomeNetOfTaxAbstract.1128.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ComprehensiveIncomeNetOfTax.7190.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ComprehensiveIncomeNetOfTaxAbstract.1128.12.9" xlink:to="loc_ComprehensiveIncomeNetOfTax.7190.12.9" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:presentationArc xlink:from="loc_ComprehensiveIncomeNetOfTaxAbstract.1128.12.8" xlink:to="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract.470.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.3895.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.3895.12.9" xlink:to="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.12.9" order="140.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax.13922.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.3895.12.8" xlink:to="loc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax.13922.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.14116.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.3895.12.8" xlink:to="loc_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.14116.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.3895.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent.14114.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.3895.12.52" xlink:to="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent.14114.12.52" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax.13910.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.3895.12.52" xlink:to="loc_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax.13910.12.52" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.3895.12.57" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.13768.12.57" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.3895.12.57" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax.13768.12.57" order="110.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.3895.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13760.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract.3895.12.7" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13760.12.7" order="130.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="004 - Statement - CONSOLIDATED STATEMENTS OF OPERATIONS" xlink:role="http://ameriservfinancial.com/role/ConsolidatedStatementsOfOperations" xlink:type="extended">
    <link:loc xlink:label="loc_EarningsPerShareBasicAbstract.1740.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_EarningsPerShareBasic.9083.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EarningsPerShareBasicAbstract.1740.12.7" xlink:to="loc_EarningsPerShareBasic.9083.12.7" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_WeightedAverageNumberOfSharesOutstandingBasic.18031.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EarningsPerShareBasicAbstract.1740.12.7" xlink:to="loc_WeightedAverageNumberOfSharesOutstandingBasic.18031.12.7" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_EarningsPerShareDilutedAbstract.1746.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDilutedAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_EarningsPerShareDiluted.9087.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EarningsPerShareDilutedAbstract.1746.12.7" xlink:to="loc_EarningsPerShareDiluted.9087.12.7" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_WeightedAverageNumberOfDilutedSharesOutstanding.18047.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EarningsPerShareDilutedAbstract.1746.12.7" xlink:to="loc_WeightedAverageNumberOfDilutedSharesOutstanding.18047.12.7" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_IncomeStatementAbstract.2649.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_InterestAndDividendIncomeOperatingAbstract.2821.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeStatementAbstract.2649.12.8" xlink:to="loc_InterestAndDividendIncomeOperatingAbstract.2821.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InterestExpenseAbstract.2834.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeStatementAbstract.2649.12.8" xlink:to="loc_InterestExpenseAbstract.2834.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NoninterestIncomeAbstract.3573.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeStatementAbstract.2649.12.8" xlink:to="loc_NoninterestIncomeAbstract.3573.12.8" order="120.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NoninterestExpenseAbstract.3577.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeStatementAbstract.2649.12.8" xlink:to="loc_NoninterestExpenseAbstract.3577.12.8" order="140.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_IncomeStatementAbstract.2649.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_InterestIncomeExpenseNet.11727.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeStatementAbstract.2649.12.9" xlink:to="loc_InterestIncomeExpenseNet.11727.12.9" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_InterestIncomeExpenseAfterProvisionForLoanLoss.11739.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeStatementAbstract.2649.12.9" xlink:to="loc_InterestIncomeExpenseAfterProvisionForLoanLoss.11739.12.9" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeStatementAbstract.2649.12.9" xlink:to="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.12.9" order="160.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefit.11134.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeStatementAbstract.2649.12.8" xlink:to="loc_IncomeTaxExpenseBenefit.11134.12.8" order="180.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NetIncomeLoss.13265.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeStatementAbstract.2649.12.9" xlink:to="loc_NetIncomeLoss.13265.12.9" order="200.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_DividendsPreferredStock.9020.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendsPreferredStock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeStatementAbstract.2649.12.8" xlink:to="loc_DividendsPreferredStock.9020.12.8" order="220.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NetIncomeLossAvailableToCommonStockholdersBasic.13214.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeStatementAbstract.2649.12.9" xlink:to="loc_NetIncomeLossAvailableToCommonStockholdersBasic.13214.12.9" order="240.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_PerCommonShareDataAbstract.36860.12.8" xlink:href="asrv-20131231.xsd#asrv_PerCommonShareDataAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeStatementAbstract.2649.12.8" xlink:to="loc_PerCommonShareDataAbstract.36860.12.8" order="260.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ProvisionForLoanLeaseAndOtherLosses.15267.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeStatementAbstract.2649.12.8" xlink:to="loc_ProvisionForLoanLeaseAndOtherLosses.15267.12.8" order="95.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InterestIncomeDepositsWithFinancialInstitutions.11712.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeDepositsWithFinancialInstitutions" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InterestAndDividendIncomeOperatingAbstract.2821.12.8" xlink:to="loc_InterestIncomeDepositsWithFinancialInstitutions.11712.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InterestIncomeMoneyMarketDeposits.11740.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeMoneyMarketDeposits" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InterestAndDividendIncomeOperatingAbstract.2821.12.8" xlink:to="loc_InterestIncomeMoneyMarketDeposits.11740.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InterestIncomeFederalFundsSold.11692.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeFederalFundsSold" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InterestAndDividendIncomeOperatingAbstract.2821.12.8" xlink:to="loc_InterestIncomeFederalFundsSold.11692.12.8" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InterestAndDividendIncomeSecuritiesByClassificationAbstract.2825.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeSecuritiesByClassificationAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InterestAndDividendIncomeOperatingAbstract.2821.12.8" xlink:to="loc_InterestAndDividendIncomeSecuritiesByClassificationAbstract.2825.12.8" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InterestAndDividendIncomeOperatingAbstract.2821.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_InterestAndDividendIncomeOperating.11661.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InterestAndDividendIncomeOperatingAbstract.2821.12.9" xlink:to="loc_InterestAndDividendIncomeOperating.11661.12.9" order="120.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_InterestAndFeeIncomeLoansAndLeasesAbstract.2838.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeasesAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InterestAndDividendIncomeOperatingAbstract.2821.12.8" xlink:to="loc_InterestAndFeeIncomeLoansAndLeasesAbstract.2838.12.8" order="30.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InterestAndDividendIncomeSecuritiesAvailableForSale.11617.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InterestAndDividendIncomeSecuritiesByClassificationAbstract.2825.12.8" xlink:to="loc_InterestAndDividendIncomeSecuritiesAvailableForSale.11617.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InterestAndDividendIncomeSecuritiesHeldToMaturity.11637.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InterestAndDividendIncomeSecuritiesByClassificationAbstract.2825.12.8" xlink:to="loc_InterestAndDividendIncomeSecuritiesHeldToMaturity.11637.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InterestExpenseDeposits.11709.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InterestExpenseAbstract.2834.12.8" xlink:to="loc_InterestExpenseDeposits.11709.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm.11710.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InterestExpenseAbstract.2834.12.8" xlink:to="loc_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm.11710.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm.11721.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InterestExpenseAbstract.2834.12.8" xlink:to="loc_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm.11721.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InterestExpenseJuniorSubordinatedDebentures.11720.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseJuniorSubordinatedDebentures" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InterestExpenseAbstract.2834.12.8" xlink:to="loc_InterestExpenseJuniorSubordinatedDebentures.11720.12.8" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InterestExpenseAbstract.2834.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_InterestExpense.11654.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InterestExpenseAbstract.2834.12.9" xlink:to="loc_InterestExpense.11654.12.9" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_InterestAndFeeIncomeLoansAndLeasesAbstract.2838.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeasesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_InterestAndFeeIncomeLoansAndLeasesTaxable.36960.12.7" xlink:href="asrv-20131231.xsd#asrv_InterestAndFeeIncomeLoansAndLeasesTaxable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InterestAndFeeIncomeLoansAndLeasesAbstract.2838.12.7" xlink:to="loc_InterestAndFeeIncomeLoansAndLeasesTaxable.36960.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_InterestAndFeeIncomeLoansAndLeasesTaxExempt.36961.12.7" xlink:href="asrv-20131231.xsd#asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InterestAndFeeIncomeLoansAndLeasesAbstract.2838.12.7" xlink:to="loc_InterestAndFeeIncomeLoansAndLeasesTaxExempt.36961.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FeesAndCommissionsFiduciaryAndTrustActivities.10075.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NoninterestIncomeAbstract.3573.12.8" xlink:to="loc_FeesAndCommissionsFiduciaryAndTrustActivities.10075.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InvestmentAdvisoryFees.11897.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentAdvisoryFees" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NoninterestIncomeAbstract.3573.12.8" xlink:to="loc_InvestmentAdvisoryFees.11897.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_GainLossOnSalesOfLoansNet.10650.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnSalesOfLoansNet" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NoninterestIncomeAbstract.3573.12.8" xlink:to="loc_GainLossOnSalesOfLoansNet.10650.12.8" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FeesAndCommissionsDepositorAccounts.10085.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FeesAndCommissionsDepositorAccounts" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NoninterestIncomeAbstract.3573.12.8" xlink:to="loc_FeesAndCommissionsDepositorAccounts.10085.12.8" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_BankOwnedLifeInsuranceIncome.6281.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BankOwnedLifeInsuranceIncome" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NoninterestIncomeAbstract.3573.12.8" xlink:to="loc_BankOwnedLifeInsuranceIncome.6281.12.8" order="120.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NoninterestIncomeOtherOperatingIncome.13364.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NoninterestIncomeAbstract.3573.12.8" xlink:to="loc_NoninterestIncomeOtherOperatingIncome.13364.12.8" order="140.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NoninterestIncomeAbstract.3573.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_NoninterestIncome.13366.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NoninterestIncomeAbstract.3573.12.9" xlink:to="loc_NoninterestIncome.13366.12.9" order="160.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_GainLossOnSaleOfSecuritiesNet.10649.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GainLossOnSaleOfSecuritiesNet" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NoninterestIncomeAbstract.3573.12.8" xlink:to="loc_GainLossOnSaleOfSecuritiesNet.10649.12.8" order="90.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_LaborAndRelatedExpense.12056.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NoninterestExpenseAbstract.3577.12.8" xlink:to="loc_LaborAndRelatedExpense.12056.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_OccupancyNet.13516.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OccupancyNet" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NoninterestExpenseAbstract.3577.12.8" xlink:to="loc_OccupancyNet.13516.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_EquipmentExpense.9304.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquipmentExpense" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NoninterestExpenseAbstract.3577.12.8" xlink:to="loc_EquipmentExpense.9304.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ProfessionalFees.15186.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProfessionalFees" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NoninterestExpenseAbstract.3577.12.8" xlink:to="loc_ProfessionalFees.15186.12.8" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_SuppliesAndPostageExpense.17428.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SuppliesAndPostageExpense" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NoninterestExpenseAbstract.3577.12.8" xlink:to="loc_SuppliesAndPostageExpense.17428.12.8" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TaxesOther.17484.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TaxesOther" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NoninterestExpenseAbstract.3577.12.8" xlink:to="loc_TaxesOther.17484.12.8" order="120.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FederalDepositInsuranceCorporationPremiumExpense.9978.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NoninterestExpenseAbstract.3577.12.8" xlink:to="loc_FederalDepositInsuranceCorporationPremiumExpense.9978.12.8" order="140.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_OtherNoninterestExpense.13993.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NoninterestExpenseAbstract.3577.12.8" xlink:to="loc_OtherNoninterestExpense.13993.12.8" order="160.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NoninterestExpenseAbstract.3577.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_NoninterestExpense.13363.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpense" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NoninterestExpenseAbstract.3577.12.9" xlink:to="loc_NoninterestExpense.13363.12.9" order="180.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_NoninterestExpenseAbstract.3577.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_FederalHomeLoanBankPrepaymentPenalties.36962.12.7" xlink:href="asrv-20131231.xsd#asrv_FederalHomeLoanBankPrepaymentPenalties" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NoninterestExpenseAbstract.3577.12.7" xlink:to="loc_FederalHomeLoanBankPrepaymentPenalties.36962.12.7" order="141.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_EarningsPerShareBasicAbstract.1740.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PerCommonShareDataAbstract.36860.12.8" xlink:to="loc_EarningsPerShareBasicAbstract.1740.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_EarningsPerShareDilutedAbstract.1746.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDilutedAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PerCommonShareDataAbstract.36860.12.8" xlink:to="loc_EarningsPerShareDilutedAbstract.1746.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CommonStockDividendsPerShareDeclared.7139.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockDividendsPerShareDeclared" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PerCommonShareDataAbstract.36860.12.8" xlink:to="loc_CommonStockDividendsPerShareDeclared.7139.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="001 - Document - Document and Entity Information" xlink:role="http://ameriservfinancial.com/role/DocumentAndEntityInformation" xlink:type="extended">
    <link:loc xlink:label="loc_DocumentAndEntityInformationAbstract.36797.12.6" xlink:href="asrv-20131231.xsd#asrv_DocumentAndEntityInformationAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_EntityRegistrantName.185.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DocumentAndEntityInformationAbstract.36797.12.6" xlink:to="loc_EntityRegistrantName.185.12.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_EntityCentralIndexKey.186.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DocumentAndEntityInformationAbstract.36797.12.6" xlink:to="loc_EntityCentralIndexKey.186.12.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DocumentType.210.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_DocumentType" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DocumentAndEntityInformationAbstract.36797.12.6" xlink:to="loc_DocumentType.210.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DocumentPeriodEndDate.161.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DocumentAndEntityInformationAbstract.36797.12.6" xlink:to="loc_DocumentPeriodEndDate.161.12.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_AmendmentFlag.144.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DocumentAndEntityInformationAbstract.36797.12.6" xlink:to="loc_AmendmentFlag.144.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DocumentFiscalYearFocus.205.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DocumentAndEntityInformationAbstract.36797.12.6" xlink:to="loc_DocumentFiscalYearFocus.205.12.6" order="9.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DocumentFiscalPeriodFocus.206.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_DocumentFiscalPeriodFocus" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DocumentAndEntityInformationAbstract.36797.12.6" xlink:to="loc_DocumentFiscalPeriodFocus.206.12.6" order="8.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_CurrentFiscalYearEndDate.155.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DocumentAndEntityInformationAbstract.36797.12.6" xlink:to="loc_CurrentFiscalYearEndDate.155.12.6" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_EntityFilerCategory.183.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityFilerCategory" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DocumentAndEntityInformationAbstract.36797.12.6" xlink:to="loc_EntityFilerCategory.183.12.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_EntityCommonStockSharesOutstanding.190.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityCommonStockSharesOutstanding" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DocumentAndEntityInformationAbstract.36797.12.6" xlink:to="loc_EntityCommonStockSharesOutstanding.190.12.6" order="10.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_EntityPublicFloat.184.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityPublicFloat" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DocumentAndEntityInformationAbstract.36797.12.6" xlink:to="loc_EntityPublicFloat.184.12.6" order="11.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_EntityWellKnownSeasonedIssuer.180.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DocumentAndEntityInformationAbstract.36797.12.6" xlink:to="loc_EntityWellKnownSeasonedIssuer.180.12.6" order="12.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_EntityVoluntaryFilers.181.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityVoluntaryFilers" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DocumentAndEntityInformationAbstract.36797.12.6" xlink:to="loc_EntityVoluntaryFilers.181.12.6" order="13.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_EntityCurrentReportingStatus.182.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityCurrentReportingStatus" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DocumentAndEntityInformationAbstract.36797.12.6" xlink:to="loc_EntityCurrentReportingStatus.182.12.6" order="14.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="111 - Disclosure - DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS" xlink:role="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurements" xlink:type="extended">
    <link:loc xlink:label="loc_FairValueDisclosuresAbstract.2053.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementInputsDisclosureTextBlock.9870.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementInputsDisclosureTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueDisclosuresAbstract.2053.12.8" xlink:to="loc_FairValueMeasurementInputsDisclosureTextBlock.9870.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41101 - Disclosure - DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Schedule of Assets and Liabilities Measured on Recurring Basis) (Details)" xlink:role="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsScheduleOfAssetsAndLiabilitiesMeasuredOnRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DebtSecurityAxis.1358.12.6" xlink:to="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByMeasurementFrequencyAxis.1988.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementFrequencyDomain.2021.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueByMeasurementFrequencyAxis.1988.12.7" xlink:to="loc_FairValueMeasurementFrequencyDomain.2021.12.7" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.12.6" xlink:to="loc_FairValueByFairValueHierarchyLevelAxis.1998.12.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.12.6" xlink:to="loc_DebtSecurityAxis.1358.12.6" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.12.6" xlink:to="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.12.6" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByMeasurementFrequencyAxis.1988.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.12.6" xlink:to="loc_FairValueByMeasurementFrequencyAxis.1988.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueByFairValueHierarchyLevelAxis.1998.12.7" xlink:to="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.7" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FairValueMeasurementFrequencyDomain.2021.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementsRecurringMember.2011.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsRecurringMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueMeasurementFrequencyDomain.2021.12.8" xlink:to="loc_FairValueMeasurementsRecurringMember.2011.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FairValueDisclosuresAbstract.2053.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueDisclosuresAbstract.2053.12.6" xlink:to="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueInputsLevel2Member.2139.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.8" xlink:to="loc_FairValueInputsLevel2Member.2139.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FairValueInputsLevel1Member.2138.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.8" xlink:to="loc_FairValueInputsLevel1Member.2138.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FairValueInputsLevel3Member.2129.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.8" xlink:to="loc_FairValueInputsLevel3Member.2129.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecurities.6182.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.12.8" xlink:to="loc_AvailableForSaleSecurities.6182.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_DerivativeAssets.8438.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.12.8" xlink:to="loc_DerivativeAssets.8438.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_DerivativeLiabilities.8379.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.12.8" xlink:to="loc_DerivativeLiabilities.8379.12.8" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.8" xlink:to="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.8" xlink:to="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CorporateBondSecuritiesMember.1228.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateBondSecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.8" xlink:to="loc_CorporateBondSecuritiesMember.1228.12.8" order="61.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41102 - Disclosure - DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Schedule of Assets Measured at Fair Value on Non-Recurring Basis) (Details)" xlink:role="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsScheduleOfAssetsMeasuredAtFairValueOnNonrecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:label="loc_FairValueByMeasurementFrequencyAxis.1988.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementFrequencyDomain.2021.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueByMeasurementFrequencyAxis.1988.12.7" xlink:to="loc_FairValueMeasurementFrequencyDomain.2021.12.7" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueByFairValueHierarchyLevelAxis.1998.12.7" xlink:to="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.7" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FairValueMeasurementFrequencyDomain.2021.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementsNonrecurringMember.2056.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsNonrecurringMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueMeasurementFrequencyDomain.2021.12.8" xlink:to="loc_FairValueMeasurementsNonrecurringMember.2056.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FairValueByAssetClassAxis.2030.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByAssetClassAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain.2062.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueByAssetClassAxis.2030.12.6" xlink:to="loc_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain.2062.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueDisclosuresAbstract.2053.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueDisclosuresAbstract.2053.12.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueInputsLevel3Member.2129.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.8" xlink:to="loc_FairValueInputsLevel3Member.2129.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FairValueInputsLevel1Member.2138.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.8" xlink:to="loc_FairValueInputsLevel1Member.2138.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FairValueInputsLevel2Member.2139.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.8" xlink:to="loc_FairValueInputsLevel2Member.2139.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ImpairedLoansMember.43662.12.6" xlink:href="asrv-20131231.xsd#asrv_ImpairedLoansMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain.2062.12.6" xlink:to="loc_ImpairedLoansMember.43662.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherRealEstateOwnedMember.43663.12.6" xlink:href="asrv-20131231.xsd#asrv_OtherRealEstateOwnedMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain.2062.12.6" xlink:to="loc_OtherRealEstateOwnedMember.43663.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancialInstrumentsOwnedOtherAtFairValue.10135.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsOwnedOtherAtFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.12.8" xlink:to="loc_FinancialInstrumentsOwnedOtherAtFairValue.10135.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FairValueLiquidationExpenses.36799.12.8" xlink:href="asrv-20131231.xsd#asrv_FairValueLiquidationExpenses" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.12.8" xlink:to="loc_FairValueLiquidationExpenses.36799.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FairValueAppraisalOfAdjustments.36798.12.8" xlink:href="asrv-20131231.xsd#asrv_FairValueAppraisalOfAdjustments" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.12.8" xlink:to="loc_FairValueAppraisalOfAdjustments.36798.12.8" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRecordedInvestment.10996.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.12.7" xlink:to="loc_ImpairedFinancingReceivableRecordedInvestment.10996.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_RangeAxis.4365.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeAxis.4365.12.6" xlink:to="loc_RangeMember.4366.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeMember.4366.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:loc xlink:label="loc_MinimumMember.3382.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MinimumMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeMember.4366.12.8" xlink:to="loc_MinimumMember.3382.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_MaximumMember.3373.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaximumMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeMember.4366.12.8" xlink:to="loc_MaximumMember.3373.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FairValueByMeasurementFrequencyAxis.1988.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_FairValueByMeasurementFrequencyAxis.1988.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.12.6" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_FairValueByFairValueHierarchyLevelAxis.1998.12.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_RangeAxis.4365.12.6" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_FairValueByAssetClassAxis.2030.12.6" order="70.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41201 - Disclosure - DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Details)" xlink:role="http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueByFairValueHierarchyLevelAxis.1998.12.6" xlink:to="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract.2048.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract.2048.12.7" xlink:to="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.12.7" order="10.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract.2048.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract.2048.12.8" xlink:to="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.12.8" order="95.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueInputsLevel1Member.2138.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.8" xlink:to="loc_FairValueInputsLevel1Member.2138.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FairValueInputsLevel2Member.2139.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.8" xlink:to="loc_FairValueInputsLevel2Member.2139.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FairValueInputsLevel3Member.2129.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.8" xlink:to="loc_FairValueInputsLevel3Member.2129.12.8" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.12.8" xlink:to="loc_FairValueAssumptionsAndMethodologyForAssetsAndLiabilitiesAbstract.2048.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FairValueByBalanceSheetGroupingTable.2101.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTable" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueByBalanceSheetGroupingTable.2101.12.6" xlink:to="loc_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems.2090.12.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_FairValueByBalanceSheetGroupingTable.2101.12.6" xlink:to="loc_FairValueByFairValueHierarchyLevelAxis.1998.12.6" order="35.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DepositsWithNoStatedMaturitiesFairValueDisclosure.36791.12.8" xlink:href="asrv-20131231.xsd#asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.12.8" xlink:to="loc_DepositsWithNoStatedMaturitiesFairValueDisclosure.36791.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_DepositsWithStatedMaturitiesFairValueDisclosure.36793.12.8" xlink:href="asrv-20131231.xsd#asrv_DepositsWithStatedMaturitiesFairValueDisclosure" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.12.8" xlink:to="loc_DepositsWithStatedMaturitiesFairValueDisclosure.36793.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankBorrowingsFairValueDisclosure.9983.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.12.8" xlink:to="loc_FederalHomeLoanBankBorrowingsFairValueDisclosure.9983.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_DebtAndCapitalLeaseObligationsFairValueDisclosure.36788.12.8" xlink:href="asrv-20131231.xsd#asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.12.8" xlink:to="loc_DebtAndCapitalLeaseObligationsFairValueDisclosure.36788.12.8" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure.5670.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.12.8" xlink:to="loc_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure.5670.12.8" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.12.7" xlink:href="asrv-20131231.xsd#asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.12.7" xlink:to="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.12.7" order="10.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_CreditRiskDerivativeLiabilitiesAtFairValue.7488.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CreditRiskDerivativeLiabilitiesAtFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract.2237.12.8" xlink:to="loc_CreditRiskDerivativeLiabilitiesAtFairValue.7488.12.8" order="122.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsFairValueDisclosure.6850.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.12.8" xlink:to="loc_CashAndCashEquivalentsFairValueDisclosure.6850.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_RegulatoryAssetsFairValueDisclosure.36867.12.8" xlink:href="asrv-20131231.xsd#asrv_RegulatoryAssetsFairValueDisclosure" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.12.8" xlink:to="loc_RegulatoryAssetsFairValueDisclosure.36867.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_LoansHeldForSaleFairValueDisclosure.12613.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.12.8" xlink:to="loc_LoansHeldForSaleFairValueDisclosure.12613.12.8" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AccountsReceivableFairValueDisclosure.5649.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableFairValueDisclosure" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.12.8" xlink:to="loc_AccountsReceivableFairValueDisclosure.5649.12.8" order="120.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_LoansReceivableFairValueDisclosure.12664.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansReceivableFairValueDisclosure" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.12.8" xlink:to="loc_LoansReceivableFairValueDisclosure.12664.12.8" order="110.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CashSurrenderValueFairValueDisclosure.6876.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashSurrenderValueFairValueDisclosure" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.12.8" xlink:to="loc_CashSurrenderValueFairValueDisclosure.6876.12.8" order="150.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecurities.6182.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.12.8" xlink:to="loc_AvailableForSaleSecurities.6182.12.8" order="52.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.12.58" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesFairValue.10919.12.58" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.12.58" xlink:to="loc_HeldToMaturitySecuritiesFairValue.10919.12.58" order="57.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel" />
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.12.7" xlink:href="asrv-20131231.xsd#asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.12.7" xlink:to="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.12.7" order="10.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_CreditRiskDerivativeAssetsAtFairValue.7490.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CreditRiskDerivativeAssetsAtFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract.2245.12.8" xlink:to="loc_CreditRiskDerivativeAssetsAtFairValue.7490.12.8" order="161.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.12.8" xlink:href="asrv-20131231.xsd#asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DerivativeAssets.8438.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.12.8" xlink:to="loc_DerivativeAssets.8438.12.8" order="9.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsAtCarryingValue.6843.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.12.7" xlink:to="loc_CashAndCashEquivalentsAtCarryingValue.6843.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.12.58" xlink:href="asrv-20131231.xsd#asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_HeldToMaturitySecurities.10889.12.58" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.12.58" xlink:to="loc_HeldToMaturitySecurities.10889.12.58" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankStockAndFederalReserveBankStock.10008.12.58" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.12.58" xlink:to="loc_FederalHomeLoanBankStockAndFederalReserveBankStock.10008.12.58" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel" />
    <link:loc xlink:label="loc_LoansHeldForSaleMortgages.12627.12.58" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansHeldForSaleMortgages" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.12.58" xlink:to="loc_LoansHeldForSaleMortgages.12627.12.58" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetReportedAmount.12598.12.58" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.12.58" xlink:to="loc_LoansAndLeasesReceivableNetReportedAmount.12598.12.58" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel" />
    <link:loc xlink:label="loc_AccruedInvestmentIncomeReceivable.5738.12.58" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccruedInvestmentIncomeReceivable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.12.58" xlink:to="loc_AccruedInvestmentIncomeReceivable.5738.12.58" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel" />
    <link:loc xlink:label="loc_BankOwnedLifeInsurance.6282.12.58" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BankOwnedLifeInsurance" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialAssetsCarryingValueAbstract.36803.12.58" xlink:to="loc_BankOwnedLifeInsurance.6282.12.58" order="8.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel" />
    <link:loc xlink:label="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.12.8" xlink:href="asrv-20131231.xsd#asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DerivativeLiabilities.8379.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLiabilities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.12.8" xlink:to="loc_DerivativeLiabilities.8379.12.8" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_DepositsWithNoStatedMaturities.36790.12.7" xlink:href="asrv-20131231.xsd#asrv_DepositsWithNoStatedMaturities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.12.7" xlink:to="loc_DepositsWithNoStatedMaturities.36790.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DepositsWithStatedMaturities.36792.12.7" xlink:href="asrv-20131231.xsd#asrv_DepositsWithStatedMaturities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.12.7" xlink:to="loc_DepositsWithStatedMaturities.36792.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesShortTerm.10073.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesShortTerm" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.12.7" xlink:to="loc_FederalHomeLoanBankAdvancesShortTerm.10073.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OtherBorrowings.13823.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherBorrowings" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.12.7" xlink:to="loc_OtherBorrowings.13823.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_InterestPayableCurrentAndNoncurrent.11632.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestPayableCurrentAndNoncurrent" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract.36804.12.7" xlink:to="loc_InterestPayableCurrentAndNoncurrent.11632.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract.36887.12.6" xlink:href="asrv-20131231.xsd#asrv_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract.36887.12.6" xlink:to="loc_FairValueByBalanceSheetGroupingTable.2101.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="311 - Disclosure - DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Tables)" xlink:role="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsTables" xlink:type="extended">
    <link:loc xlink:label="loc_FairValueDisclosuresAbstract.2053.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock.16321.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueDisclosuresAbstract.2053.12.8" xlink:to="loc_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock.16321.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock.9713.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueDisclosuresAbstract.2053.12.8" xlink:to="loc_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock.9713.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="103 - Disclosure - INVESTMENT SECURITIES" xlink:role="http://ameriservfinancial.com/role/InvestmentSecurities" xlink:type="extended">
    <link:loc xlink:label="loc_InvestmentsAbstract.2967.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock.12012.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentsAbstract.2967.12.8" xlink:to="loc_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock.12012.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40302 - Disclosure - INVESTMENT SECURITIES (Schedule of Contractual Maturities of Securities) (Details)" xlink:role="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfContractualMaturitiesOfSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_InvestmentTable.217.12.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentTable.217.12.6" xlink:to="loc_DebtSecurityAxis.1358.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentLineItems.236.12.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentTable.217.12.6" xlink:to="loc_InvestmentLineItems.236.12.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentLineItems.236.12.8" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentLineItems.236.12.8" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.6214.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost.6214.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.6181.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost.6181.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.36775.12.8" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:to="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis.36775.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.36773.12.8" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:to="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost.36773.12.8" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.6187.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.9" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost.6187.12.9" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.6211.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.6211.12.8" order="120.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.6175.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.6175.12.8" order="140.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36776.12.8" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:to="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36776.12.8" order="160.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36774.12.8" xlink:href="asrv-20131231.xsd#asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:to="loc_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36774.12.8" order="180.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.10905.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount.10905.12.8" order="220.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.10891.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount.10891.12.8" order="240.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.36818.12.8" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:to="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount.36818.12.8" order="260.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.10867.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue.10867.12.8" order="300.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.10870.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue.10870.12.8" order="320.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36817.12.8" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:to="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue.36817.12.8" order="340.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.10871.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount.10871.12.8" order="250.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.10869.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue.10869.12.8" order="330.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.36820.12.7" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.7" xlink:to="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount.36820.12.7" order="255.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36819.12.7" xlink:href="asrv-20131231.xsd#asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.7" xlink:to="loc_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue.36819.12.7" order="335.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecurities.6182.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.9" xlink:to="loc_AvailableForSaleSecurities.6182.12.9" order="210.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesFairValue.10919.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.9" xlink:to="loc_HeldToMaturitySecuritiesFairValue.10919.12.9" order="361.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecurities.10889.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.9" xlink:to="loc_HeldToMaturitySecurities.10889.12.9" order="290.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.6180.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost.6180.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.6172.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.8" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue.6172.12.8" order="110.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.36970.12.7" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.7" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear.36970.12.7" order="101.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36972.12.7" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.7" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36972.12.7" order="102.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36974.12.7" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.7" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36974.12.7" order="103.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36975.12.7" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.7" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36975.12.7" order="104.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.36976.12.7" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.7" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears.36976.12.7" order="105.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.36977.12.7" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.7" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear.36977.12.7" order="291.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36978.12.7" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.7" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears.36978.12.7" order="292.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36979.12.7" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.7" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears.36979.12.7" order="293.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36980.12.7" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.7" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears.36980.12.7" order="294.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.36981.12.7" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.7" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears.36981.12.7" order="295.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesYield.36982.12.9" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesYield" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.9" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesYield.36982.12.9" order="106.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesDebtMaturitiesYield.36983.12.9" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesDebtMaturitiesYield" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract.666.12.9" xlink:to="loc_HeldToMaturitySecuritiesDebtMaturitiesYield.36983.12.9" order="296.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DebtSecurityAxis.1358.12.6" xlink:to="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentsAbstract.2967.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentsAbstract.2967.12.6" xlink:to="loc_InvestmentTable.217.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.7" xlink:to="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.12.7" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.8" xlink:to="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CorporateBondSecuritiesMember.1228.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateBondSecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.7" xlink:to="loc_CorporateBondSecuritiesMember.1228.12.7" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_CorporateBondsAndOtherSecuritiesMember.36786.12.7" xlink:href="asrv-20131231.xsd#asrv_CorporateBondsAndOtherSecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.7" xlink:to="loc_CorporateBondsAndOtherSecuritiesMember.36786.12.7" order="99.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40303 - Disclosure - INVESTMENT SECURITIES (Schedule of Information Concerning Investments with Unrealized Losses) (Details)" xlink:role="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfInformationConcerningInvestmentsWithUnrealizedLossesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_InvestmentTable.217.12.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentTable.217.12.6" xlink:to="loc_DebtSecurityAxis.1358.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentLineItems.236.12.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentTable.217.12.6" xlink:to="loc_InvestmentLineItems.236.12.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentLineItems.236.12.8" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentLineItems.236.12.8" xlink:to="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.6188.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.9" xlink:to="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue.6188.12.9" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.6179.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.8" xlink:to="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.6179.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.6159.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.8" xlink:to="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.6159.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue.10882.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.9" xlink:to="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue.10882.12.9" order="220.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.10881.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.8" xlink:to="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue.10881.12.8" order="180.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.10878.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.8" xlink:to="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue.10878.12.8" order="140.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.36772.12.52" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.52" xlink:to="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI.36772.12.52" order="51.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.36770.12.52" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.52" xlink:to="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI.36770.12.52" order="90.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.36816.12.52" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.52" xlink:to="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss.36816.12.52" order="170.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.36814.12.52" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.52" xlink:to="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss.36814.12.52" order="210.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.55" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.36771.12.55" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.55" xlink:to="loc_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI.36771.12.55" order="130.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.36815.12.52" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.52" xlink:to="loc_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss.36815.12.52" order="241.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DebtSecurityAxis.1358.12.6" xlink:to="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentsAbstract.2967.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentsAbstract.2967.12.6" xlink:to="loc_InvestmentTable.217.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.7" xlink:to="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.12.7" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.8" xlink:to="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_OtherDebtSecuritiesMember.3820.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherDebtSecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.7" xlink:to="loc_OtherDebtSecuritiesMember.3820.12.7" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_CorporateBondSecuritiesMember.1228.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateBondSecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.7" xlink:to="loc_CorporateBondSecuritiesMember.1228.12.7" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_TaxableMunicipalBondsMember.5399.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TaxableMunicipalBondsMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.7" xlink:to="loc_TaxableMunicipalBondsMember.5399.12.7" order="70.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40304 - Disclosure - INVESTMENT SECURITIES (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/InvestmentSecuritiesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_InvestmentTable.217.12.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentTable" xlink:type="locator" />
    <link:loc xlink:label="loc_InvestmentLineItems.236.12.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentTable.217.12.6" xlink:to="loc_InvestmentLineItems.236.12.6" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesGainOrLossAxis.36809.12.6" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesGainOrLossAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentTable.217.12.6" xlink:to="loc_GrossInvestmentSecuritiesGainOrLossAxis.36809.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_CreditRatingStandardPoorsAxis.1277.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CreditRatingStandardPoorsAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentTable.217.12.6" xlink:to="loc_CreditRatingStandardPoorsAxis.1277.12.6" order="50.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentTable.217.12.6" xlink:to="loc_DebtSecurityAxis.1358.12.6" order="57.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentLineItems.236.12.7" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_PercentageOfInvestmentSecuritiesPortfolioRated.36857.12.7" xlink:href="asrv-20131231.xsd#asrv_PercentageOfInvestmentSecuritiesPortfolioRated" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentLineItems.236.12.7" xlink:to="loc_PercentageOfInvestmentSecuritiesPortfolioRated.36857.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_GainOnSaleOfSecurities.36807.12.7" xlink:href="asrv-20131231.xsd#asrv_GainOnSaleOfSecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentLineItems.236.12.7" xlink:to="loc_GainOnSaleOfSecurities.36807.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_LossOnSaleOfSecurities.36835.12.7" xlink:href="asrv-20131231.xsd#asrv_LossOnSaleOfSecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentLineItems.236.12.7" xlink:to="loc_LossOnSaleOfSecurities.36835.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax.13764.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentLineItems.236.12.7" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax.13764.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13760.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentLineItems.236.12.7" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax.13760.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37112.12.7" xlink:href="asrv-20131231.xsd#asrv_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentLineItems.236.12.7" xlink:to="loc_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37112.12.7" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37113.12.7" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentLineItems.236.12.7" xlink:to="loc_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm.37113.12.7" order="8.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.37114.12.7" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentLineItems.236.12.7" xlink:to="loc_HeldToMaturitySecuritiesWeightedAverageMaturityTerm.37114.12.7" order="9.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ExternalCreditRatingStandardPoorsMember.1737.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ExternalCreditRatingStandardPoorsMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CreditRatingStandardPoorsAxis.1277.12.6" xlink:to="loc_ExternalCreditRatingStandardPoorsMember.1737.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DebtSecurityAxis.1358.12.6" xlink:to="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ExternalCreditRatingStandardPoorsMember.1737.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ExternalCreditRatingStandardPoorsMember" xlink:type="locator" />
    <link:loc xlink:label="loc_StandardPoorsAAARatingMember.5141.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StandardPoorsAAARatingMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ExternalCreditRatingStandardPoorsMember.1737.12.7" xlink:to="loc_StandardPoorsAAARatingMember.5141.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_StandardPoorsARatingMember.5147.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StandardPoorsARatingMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ExternalCreditRatingStandardPoorsMember.1737.12.7" xlink:to="loc_StandardPoorsARatingMember.5147.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_InvestmentsAbstract.2967.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentsAbstract.2967.12.6" xlink:to="loc_InvestmentTable.217.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentsAbstract.2967.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_InvestmentSecuritiesAdditionalTextualAbstract.36829.12.8" xlink:href="asrv-20131231.xsd#asrv_InvestmentSecuritiesAdditionalTextualAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentsAbstract.2967.12.8" xlink:to="loc_InvestmentSecuritiesAdditionalTextualAbstract.36829.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.7" xlink:to="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.8" xlink:to="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CorporateBondSecuritiesMember.1228.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateBondSecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.7" xlink:to="loc_CorporateBondSecuritiesMember.1228.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OtherDebtSecuritiesMember.3820.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherDebtSecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.7" xlink:to="loc_OtherDebtSecuritiesMember.3820.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesGainOrLossDomain.36810.12.6" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesGainOrLossDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_GrossInvestmentSecuritiesGainOrLossAxis.36809.12.6" xlink:to="loc_GrossInvestmentSecuritiesGainOrLossDomain.36810.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesGainOrLossDomain.36810.12.8" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesGainOrLossDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesGainMember.36808.12.8" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesGainMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_GrossInvestmentSecuritiesGainOrLossDomain.36810.12.8" xlink:to="loc_GrossInvestmentSecuritiesGainMember.36808.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_GrossInvestmentSecuritiesLossMember.36811.12.8" xlink:href="asrv-20131231.xsd#asrv_GrossInvestmentSecuritiesLossMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_GrossInvestmentSecuritiesGainOrLossDomain.36810.12.8" xlink:to="loc_GrossInvestmentSecuritiesLossMember.36811.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InvestmentSecuritiesAdditionalTextualAbstract.36829.12.7" xlink:href="asrv-20131231.xsd#asrv_InvestmentSecuritiesAdditionalTextualAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears.36785.12.7" xlink:href="asrv-20131231.xsd#asrv_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentSecuritiesAdditionalTextualAbstract.36829.12.7" xlink:to="loc_ConsolidatedInvestmentSecuritiesPortfolioModifiedYears.36785.12.7" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ProceedsFromSaleOfAvailableForSaleSecurities.15087.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentSecuritiesAdditionalTextualAbstract.36829.12.8" xlink:to="loc_ProceedsFromSaleOfAvailableForSaleSecurities.15087.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings.36782.12.8" xlink:href="asrv-20131231.xsd#asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentSecuritiesAdditionalTextualAbstract.36829.12.8" xlink:to="loc_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings.36782.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions.10925.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentSecuritiesAdditionalTextualAbstract.36829.12.8" xlink:to="loc_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions.10925.12.8" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40301 - Disclosure - INVESTMENT SECURITIES (Schedule of Cost Basis and Fair Values of Investment Securities) (Details)" xlink:role="http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfCostBasisAndFairValuesOfInvestmentSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_InvestmentTable.217.12.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DebtSecurityAxis.1358.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecurityAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentTable.217.12.6" xlink:to="loc_DebtSecurityAxis.1358.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentLineItems.236.12.6" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentTable.217.12.6" xlink:to="loc_InvestmentLineItems.236.12.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentLineItems.236.12.7" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_InvestmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentLineItems.236.12.7" xlink:to="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.7" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAmortizedCost.6209.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.8" xlink:to="loc_AvailableForSaleSecuritiesAmortizedCost.6209.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecurities.6182.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.9" xlink:to="loc_AvailableForSaleSecurities.6182.12.9" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecurities.10889.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.8" xlink:to="loc_HeldToMaturitySecurities.10889.12.8" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesFairValue.10919.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.9" xlink:to="loc_HeldToMaturitySecuritiesFairValue.10919.12.9" order="160.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.36778.12.52" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.52" xlink:to="loc_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI.36778.12.52" order="70.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.36777.12.7" xlink:href="asrv-20131231.xsd#asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.7" xlink:to="loc_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI.36777.12.7" order="50.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.36813.12.52" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.52" xlink:to="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss.36813.12.52" order="150.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.36812.12.7" xlink:href="asrv-20131231.xsd#asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract.662.12.7" xlink:to="loc_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain.36812.12.7" order="130.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DebtSecurityAxis.1358.12.6" xlink:to="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentsAbstract.2967.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentsAbstract.2967.12.6" xlink:to="loc_InvestmentTable.217.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.7" xlink:to="loc_USGovernmentAgenciesDebtSecuritiesMember.5478.12.7" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.8" xlink:to="loc_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember.3429.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_OtherDebtSecuritiesMember.3820.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherDebtSecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.7" xlink:to="loc_OtherDebtSecuritiesMember.3820.12.7" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_CorporateBondSecuritiesMember.1228.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateBondSecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.7" xlink:to="loc_CorporateBondSecuritiesMember.1228.12.7" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_TaxableMunicipalBondsMember.5399.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TaxableMunicipalBondsMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MajorTypesOfDebtSecuritiesDomain.3312.12.7" xlink:to="loc_TaxableMunicipalBondsMember.5399.12.7" order="81.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="303 - Disclosure - INVESTMENT SECURITIES (Tables)" xlink:role="http://ameriservfinancial.com/role/InvestmentSecuritiesTables" xlink:type="extended">
    <link:loc xlink:label="loc_InvestmentsAbstract.2967.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock.16429.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentsAbstract.2967.12.8" xlink:to="loc_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock.16429.12.8" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InvestmentsClassifiedByContractualMaturityDateTableTextBlock.11988.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentsAbstract.2967.12.8" xlink:to="loc_InvestmentsClassifiedByContractualMaturityDateTableTextBlock.11988.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock.16445.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InvestmentsAbstract.2967.12.8" xlink:to="loc_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock.16445.12.8" order="0.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="104 - Disclosure - LOANS" xlink:role="http://ameriservfinancial.com/role/Loans" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsReceivableNetAbstract.442.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock.12654.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsReceivableNetAbstract.442.12.8" xlink:to="loc_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock.12654.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40402 - Disclosure - LOANS (Narative) (Details)" xlink:role="http://ameriservfinancial.com/role/LoansNarativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsReceivableNetAbstract.442.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_RealEstateConstructionLoansPercentage.36864.12.8" xlink:href="asrv-20131231.xsd#asrv_RealEstateConstructionLoansPercentage" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsReceivableNetAbstract.442.12.8" xlink:to="loc_RealEstateConstructionLoansPercentage.36864.12.8" order="3.10000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableDeferredIncome.12529.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableDeferredIncome" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsReceivableNetAbstract.442.12.8" xlink:to="loc_LoansAndLeasesReceivableDeferredIncome.12529.12.8" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AccountsReceivableNetAbstract.442.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfImpairedFinancingReceivableTable.4771.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsReceivableNetAbstract.442.12.6" xlink:to="loc_ScheduleOfImpairedFinancingReceivableTable.4771.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableRelatedParties.12592.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableRelatedParties" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsReceivableNetAbstract.442.12.8" xlink:to="loc_LoansAndLeasesReceivableRelatedParties.12592.12.8" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_ResidentialSubprimeFinancingReceivableMember.4595.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ResidentialSubprimeFinancingReceivableMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_ResidentialSubprimeFinancingReceivableMember.4595.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableImpairedLineItems.2292.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_SubPrimeMortgageLoansExposure.36876.12.7" xlink:href="asrv-20131231.xsd#asrv_SubPrimeMortgageLoansExposure" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableImpairedLineItems.2292.12.7" xlink:to="loc_SubPrimeMortgageLoansExposure.36876.12.7" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfImpairedFinancingReceivableTable.4771.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableImpairedLineItems.2292.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableImpairedLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfImpairedFinancingReceivableTable.4771.12.6" xlink:to="loc_FinancingReceivableImpairedLineItems.2292.12.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40401 - Disclosure - LOANS (Summary of Loan Portfolio) (Details)" xlink:role="http://ameriservfinancial.com/role/LoansSummaryOfLoanPortfolioDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsNotesAndLoansReceivableLineItems.434.12.8" xlink:to="loc_LoansAndLeasesReceivableNetOfDeferredIncome.12569.12.8" order="21.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AccountsReceivableNetAbstract.442.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsReceivableNetAbstract.442.12.6" xlink:to="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialLoanMember.1070.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_CommercialLoanMember.1070.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_CommercialRealEstateMember.1077.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_MortgageLoansOnRealEstateMember.3405.12.8" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.8" xlink:to="loc_ConsumerLoanMember.1175.12.8" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_AccountsNotesAndLoansReceivableLineItems.434.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.12.6" xlink:to="loc_AccountsNotesAndLoansReceivableLineItems.434.12.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable.4892.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" order="30.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="304 - Disclosure - LOANS (Tables)" xlink:role="http://ameriservfinancial.com/role/LoansTables" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsReceivableNetAbstract.442.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock.16578.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsReceivableNetAbstract.442.12.8" xlink:to="loc_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock.16578.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40601 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of Non-performing Assets Including TDR) (Details)" xlink:role="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfNonperformingAssetsIncludingTdrDetails" xlink:type="extended">
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.12.6" xlink:to="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.12.8" xlink:to="loc_CommercialRealEstateMember.1077.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.12.8" xlink:to="loc_MortgageLoansOnRealEstateMember.3405.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CommercialLoanMember.1070.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialLoanMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.12.8" xlink:to="loc_CommercialLoanMember.1070.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NonperformingAssetIncludingTdrTable.36843.12.6" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetIncludingTdrTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonperformingAssetIncludingTdrTable.36843.12.6" xlink:to="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems.36848.12.6" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonperformingAssetIncludingTdrTable.36843.12.6" xlink:to="loc_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems.36848.12.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.12.8" xlink:href="asrv-20131231.xsd#asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.12619.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.12.8" xlink:to="loc_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest.12619.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_OtherRealEstate.14060.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherRealEstate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.12.8" xlink:to="loc_OtherRealEstate.14060.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TroubledDebtRestructuringModificationsRecordedInvestment.36882.12.8" xlink:href="asrv-20131231.xsd#asrv_TroubledDebtRestructuringModificationsRecordedInvestment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.12.8" xlink:to="loc_TroubledDebtRestructuringModificationsRecordedInvestment.36882.12.8" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubleDebtRestructurings.36847.12.8" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubleDebtRestructurings" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.12.8" xlink:to="loc_NonperformingAssetsIncludingTroubleDebtRestructurings.36847.12.8" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.12582.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.12.8" xlink:to="loc_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans.12582.12.8" order="120.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.10242.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.12.8" xlink:to="loc_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing.10242.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.7" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_NonperformingAssetIncludingTdrTable.36843.12.7" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetIncludingTdrTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.7" xlink:to="loc_NonperformingAssetIncludingTdrTable.36843.12.7" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems.36848.12.8" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonperformingAssetsIncludingTroubleDebtRestructuringsLineItems.36848.12.8" xlink:to="loc_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract.36844.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40605 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.8" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays.36762.12.8" xlink:href="asrv-20131231.xsd#asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.8" xlink:to="loc_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays.36762.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.7" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_BorrowersAggregateExposureForLoanModificationMinimum.36781.12.7" xlink:href="asrv-20131231.xsd#asrv_BorrowersAggregateExposureForLoanModificationMinimum" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.7" xlink:to="loc_BorrowersAggregateExposureForLoanModificationMinimum.36781.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus.36881.12.8" xlink:href="asrv-20131231.xsd#asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.8" xlink:to="loc_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus.36881.12.8" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus.36836.12.8" xlink:href="asrv-20131231.xsd#asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.8" xlink:to="loc_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus.36836.12.8" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.44387.12.7" xlink:href="asrv-20131231.xsd#asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.7" xlink:to="loc_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings.44387.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40603 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of Recorded Investment of Defaults) (Details)" xlink:role="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfRecordedInvestmentOfDefaultsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_FinancingReceivableModificationsLineItems.2282.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_RecordedInvestmentOfDefaults.36865.12.8" xlink:href="asrv-20131231.xsd#asrv_RecordedInvestmentOfDefaults" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableModificationsLineItems.2282.12.8" xlink:to="loc_RecordedInvestmentOfDefaults.36865.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.12.6" xlink:to="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_MortgageLoansOnRealEstateMember.3405.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MortgageLoansOnRealEstateMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.12.7" xlink:to="loc_MortgageLoansOnRealEstateMember.3405.12.7" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.12.6" xlink:to="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableModificationsLineItems.2282.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.12.6" xlink:to="loc_FinancingReceivableModificationsLineItems.2282.12.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.6" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.6" xlink:to="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.12.6" order="10.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_CommercialLoanReceivableModificationsRecordedInvestment.36784.12.8" xlink:href="asrv-20131231.xsd#asrv_CommercialLoanReceivableModificationsRecordedInvestment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RecordedInvestmentOfDefaults.36865.12.8" xlink:to="loc_CommercialLoanReceivableModificationsRecordedInvestment.36784.12.8" order="10.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40604 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of Interest Income) (Details)" xlink:role="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfInterestIncomeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountsReceivableAdditionalDisclosuresAbstract.428.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableAdditionalDisclosuresAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.12604.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsReceivableAdditionalDisclosuresAbstract.428.12.8" xlink:to="loc_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome.12604.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NetReductionInInterestIncome.36840.12.8" xlink:href="asrv-20131231.xsd#asrv_NetReductionInInterestIncome" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsReceivableAdditionalDisclosuresAbstract.428.12.8" xlink:to="loc_NetReductionInInterestIncome.36840.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AccountsReceivableAdditionalDisclosuresAbstract.428.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountsReceivableAdditionalDisclosuresAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_InterestIncomeRecordedNonaccrualLoans.36827.12.7" xlink:href="asrv-20131231.xsd#asrv_InterestIncomeRecordedNonaccrualLoans" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountsReceivableAdditionalDisclosuresAbstract.428.12.7" xlink:to="loc_InterestIncomeRecordedNonaccrualLoans.36827.12.7" order="31.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.8" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.8" xlink:to="loc_AccountsReceivableAdditionalDisclosuresAbstract.428.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40602 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of TDRs) (Details)" xlink:role="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfTdrsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_FinancingReceivableModificationsLineItems.2282.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract.36883.12.8" xlink:href="asrv-20131231.xsd#asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableModificationsLineItems.2282.12.8" xlink:to="loc_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract.36883.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.12.6" xlink:to="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableTroubledDebtRestructuringDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialRealEstateMember.1077.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.12.8" xlink:to="loc_CommercialRealEstateMember.1077.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ConsumerLoanMember.1175.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsumerLoanMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableTroubledDebtRestructuringDomain.2303.12.8" xlink:to="loc_ConsumerLoanMember.1175.12.8" order="21.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableAccrualAndNonaccrualStatusAxis.36805.12.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAccrualAndNonaccrualStatusAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.12.6" xlink:to="loc_FinancingReceivableAccrualAndNonaccrualStatusAxis.36805.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.12.6" xlink:to="loc_FinancingReceivableTroubledDebtRestructuringAxis.2302.12.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableModificationsLineItems.2282.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.12.6" xlink:to="loc_FinancingReceivableModificationsLineItems.2282.12.6" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableAccrualAndNonAccrualStatusDomain.36806.12.6" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableAccrualAndNonaccrualStatusAxis.36805.12.6" xlink:to="loc_FinancingReceivableAccrualAndNonAccrualStatusDomain.36806.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableAccrualAndNonAccrualStatusDomain.36806.12.8" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_LoansInAccrualStatusMember.36832.12.8" xlink:href="asrv-20131231.xsd#asrv_LoansInAccrualStatusMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableAccrualAndNonAccrualStatusDomain.36806.12.8" xlink:to="loc_LoansInAccrualStatusMember.36832.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableAccrualAndNonAccrualStatusDomain.36806.12.7" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAccrualAndNonAccrualStatusDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_LoansInNonAccrualStatusMember.36833.12.7" xlink:href="asrv-20131231.xsd#asrv_LoansInNonAccrualStatusMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableAccrualAndNonAccrualStatusDomain.36806.12.7" xlink:to="loc_LoansInNonAccrualStatusMember.36833.12.7" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.6" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.6" xlink:to="loc_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable.4772.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.10257.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract.36883.12.8" xlink:to="loc_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1.10257.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableModificationsNumberOfContracts2.10252.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts2" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract.36883.12.8" xlink:to="loc_FinancingReceivableModificationsNumberOfContracts2.10252.12.8" order="12.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableModificationsPostModificationRecordedInvestment2.10253.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract.36883.12.8" xlink:to="loc_FinancingReceivableModificationsPostModificationRecordedInvestment2.10253.12.8" order="37.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="106 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR)" xlink:role="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdr" xlink:type="extended">
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.8" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr.36846.12.8" xlink:href="asrv-20131231.xsd#asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.8" xlink:to="loc_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr.36846.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="306 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Tables)" xlink:role="http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrTables" xlink:type="extended">
    <link:loc xlink:label="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.8" xlink:href="asrv-20131231.xsd#asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock.36873.12.8" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.8" xlink:to="loc_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock.36873.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock.17720.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.8" xlink:to="loc_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock.17720.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock.36875.12.8" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.8" xlink:to="loc_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock.36875.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock.16316.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract.36845.12.8" xlink:to="loc_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock.16316.12.8" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="114 - Disclosure - EMPLOYEE BENEFIT PLANS" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlans" xlink:type="extended">
    <link:loc xlink:label="loc_CompensationAndRetirementDisclosureAbstract.1105.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionAndOtherPostretirementBenefitsDisclosureTextBlock.14427.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.8" xlink:to="loc_PensionAndOtherPostretirementBenefitsDisclosureTextBlock.14427.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="117 - Disclosure - PREFERRED STOCK" xlink:role="http://ameriservfinancial.com/role/PreferredStock" xlink:type="extended">
    <link:loc xlink:label="loc_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract.4091.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_PreferredStockTextBlock.14689.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract.4091.12.8" xlink:to="loc_PreferredStockTextBlock.14689.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41701 - Disclosure - PREFERRED STOCK (Schedule of Preferred Dividend Stock Period Annualized) (Details)" xlink:role="http://ameriservfinancial.com/role/PreferredStockScheduleOfPreferredDividendStockPeriodAnnualizedDetails" xlink:type="extended">
    <link:loc xlink:label="loc_ClassOfStockDomain.1024.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_SeriesEPreferredStockMember.5025.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SeriesEPreferredStockMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ClassOfStockDomain.1024.12.8" xlink:to="loc_SeriesEPreferredStockMember.5025.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract.4091.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_PreferredStockTable.36862.12.6" xlink:href="asrv-20131231.xsd#asrv_PreferredStockTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract.4091.12.6" xlink:to="loc_PreferredStockTable.36862.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeAxis.4365.12.6" xlink:to="loc_RangeMember.4366.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeMember.4366.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:loc xlink:label="loc_MinimumMember.3382.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MinimumMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeMember.4366.12.8" xlink:to="loc_MinimumMember.3382.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_MaximumMember.3373.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaximumMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeMember.4366.12.8" xlink:to="loc_MaximumMember.3373.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_StatementClassOfStockAxis.5173.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_ClassOfStockDomain.1024.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementClassOfStockAxis.5173.12.6" xlink:to="loc_ClassOfStockDomain.1024.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DividendRateOfPreferredStockAxis.36795.12.6" xlink:href="asrv-20131231.xsd#asrv_DividendRateOfPreferredStockAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_DividendRateOfPreferredStockDomain.36796.12.6" xlink:href="asrv-20131231.xsd#asrv_DividendRateOfPreferredStockDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DividendRateOfPreferredStockAxis.36795.12.6" xlink:to="loc_DividendRateOfPreferredStockDomain.36796.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DividendRateOfPreferredStockDomain.36796.12.8" xlink:href="asrv-20131231.xsd#asrv_DividendRateOfPreferredStockDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_TermOneMember.36878.12.8" xlink:href="asrv-20131231.xsd#asrv_TermOneMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DividendRateOfPreferredStockDomain.36796.12.8" xlink:to="loc_TermOneMember.36878.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TermTwoMember.36880.12.8" xlink:href="asrv-20131231.xsd#asrv_TermTwoMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DividendRateOfPreferredStockDomain.36796.12.8" xlink:to="loc_TermTwoMember.36880.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TermThreeMember.36879.12.8" xlink:href="asrv-20131231.xsd#asrv_TermThreeMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DividendRateOfPreferredStockDomain.36796.12.8" xlink:to="loc_TermThreeMember.36879.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TermFourMember.36877.12.8" xlink:href="asrv-20131231.xsd#asrv_TermFourMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DividendRateOfPreferredStockDomain.36796.12.8" xlink:to="loc_TermFourMember.36877.12.8" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_PreferredStockLineItems.36861.12.8" xlink:href="asrv-20131231.xsd#asrv_PreferredStockLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_Redemption.36866.12.8" xlink:href="asrv-20131231.xsd#asrv_Redemption" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PreferredStockLineItems.36861.12.8" xlink:to="loc_Redemption.36866.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_PreferredStockDividendRatePercentage.14679.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockDividendRatePercentage" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PreferredStockLineItems.36861.12.8" xlink:to="loc_PreferredStockDividendRatePercentage.14679.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_DividendAnnualizedPeriod.36794.12.8" xlink:href="asrv-20131231.xsd#asrv_DividendAnnualizedPeriod" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PreferredStockLineItems.36861.12.8" xlink:to="loc_DividendAnnualizedPeriod.36794.12.8" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:presentationArc xlink:from="loc_PreferredStockTable.36862.12.6" xlink:to="loc_RangeAxis.4365.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_PreferredStockTable.36862.12.6" xlink:to="loc_StatementClassOfStockAxis.5173.12.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_PreferredStockLineItems.36861.12.6" xlink:href="asrv-20131231.xsd#asrv_PreferredStockLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PreferredStockTable.36862.12.6" xlink:to="loc_PreferredStockLineItems.36861.12.6" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_PreferredStockTable.36862.12.6" xlink:to="loc_DividendRateOfPreferredStockAxis.36795.12.6" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="317 - Disclosure - PREFERRED STOCK (Tables)" xlink:role="http://ameriservfinancial.com/role/PreferredStockTables" xlink:type="extended">
    <link:loc xlink:label="loc_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract.4091.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDividendsPayableTextBlock.16456.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDividendsPayableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract.4091.12.8" xlink:to="loc_ScheduleOfDividendsPayableTextBlock.16456.12.8" order="10.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="123 - Disclosure - REGULATORY CAPITAL" xlink:role="http://ameriservfinancial.com/role/RegulatoryCapital" xlink:type="extended">
    <link:loc xlink:label="loc_RegulatoryCapitalRequirementsAbstract.4500.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RegulatoryCapitalRequirementsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.15696.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RegulatoryCapitalRequirementsAbstract.4500.12.8" xlink:to="loc_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.15696.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="42301 - Disclosure - REGULATORY CAPITAL (Details)" xlink:role="http://ameriservfinancial.com/role/RegulatoryCapitalDetails" xlink:type="extended">
    <link:loc xlink:label="loc_EntityDomain.99.12.8" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_ConsolidatedEntitiesMember.1153.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsolidatedEntitiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EntityDomain.99.12.8" xlink:to="loc_ConsolidatedEntitiesMember.1153.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AmeriservFinancialBankMember.36765.12.8" xlink:href="asrv-20131231.xsd#asrv_AmeriservFinancialBankMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EntityDomain.99.12.8" xlink:to="loc_AmeriservFinancialBankMember.36765.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_LegalEntityAxis.136.12.7" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_EntityDomain.99.12.7" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LegalEntityAxis.136.12.7" xlink:to="loc_EntityDomain.99.12.7" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems.1109.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems.1109.12.8" xlink:to="loc_TierOneLeverageCapitalAbstract.5312.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_RegulatoryCapitalRequirementsAbstract.4500.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RegulatoryCapitalRequirementsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_RegulatoryCapitalTable.36868.12.6" xlink:href="asrv-20131231.xsd#asrv_RegulatoryCapitalTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RegulatoryCapitalRequirementsAbstract.4500.12.6" xlink:to="loc_RegulatoryCapitalTable.36868.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_RegulatoryCapitalRequirementsAbstract.4500.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RegulatoryCapitalRequirementsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_TangibleCapitalToTangibleAssets.17445.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TangibleCapitalToTangibleAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RegulatoryCapitalRequirementsAbstract.4500.12.8" xlink:to="loc_TangibleCapitalToTangibleAssets.17445.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_Capital.6658.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Capital" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:to="loc_Capital.6658.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CapitalToRiskWeightedAssets.6738.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalToRiskWeightedAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:to="loc_CapitalToRiskWeightedAssets.6738.12.8" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CapitalRequiredForCapitalAdequacy.6730.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacy" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:to="loc_CapitalRequiredForCapitalAdequacy.6730.12.8" order="60.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.6729.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:to="loc_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets.6729.12.8" order="80.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CapitalRequiredToBeWellCapitalized.6733.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalized" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:to="loc_CapitalRequiredToBeWellCapitalized.6733.12.8" order="100.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.6724.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:to="loc_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.6724.12.8" order="120.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TierOneRiskBasedCapital.17529.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapital" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:to="loc_TierOneRiskBasedCapital.17529.12.8" order="140.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalToRiskWeightedAssets.17531.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:to="loc_TierOneRiskBasedCapitalToRiskWeightedAssets.17531.12.8" order="160.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacy.17534.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:to="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacy.17534.12.8" order="180.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.17537.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:to="loc_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets.17537.12.8" order="200.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalized.17538.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:to="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalized.17538.12.8" order="220.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.17532.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:to="loc_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets.17532.12.8" order="240.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TierOneLeverageCapital.17530.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapital" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:to="loc_TierOneLeverageCapital.17530.12.8" order="260.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TierOneLeverageCapitalToAverageAssets.17528.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:to="loc_TierOneLeverageCapitalToAverageAssets.17528.12.8" order="280.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredForCapitalAdequacy.17533.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:to="loc_TierOneLeverageCapitalRequiredForCapitalAdequacy.17533.12.8" order="300.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.17536.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:to="loc_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets.17536.12.8" order="320.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredToBeWellCapitalized.17535.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:to="loc_TierOneLeverageCapitalRequiredToBeWellCapitalized.17535.12.8" order="340.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.17526.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_TierOneLeverageCapitalAbstract.5312.12.8" xlink:to="loc_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.17526.12.8" order="360.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_LegalEntityAxis.136.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RegulatoryCapitalTable.36868.12.6" xlink:to="loc_LegalEntityAxis.136.12.6" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems.1109.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RegulatoryCapitalTable.36868.12.6" xlink:to="loc_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems.1109.12.6" order="40.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="323 - Disclosure - REGULATORY CAPITAL (Tables)" xlink:role="http://ameriservfinancial.com/role/RegulatoryCapitalTables" xlink:type="extended">
    <link:loc xlink:label="loc_RegulatoryCapitalRequirementsAbstract.4500.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RegulatoryCapitalRequirementsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.16463.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RegulatoryCapitalRequirementsAbstract.4500.12.8" xlink:to="loc_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock.16463.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="122 - Disclosure - SEGMENT RESULTS" xlink:role="http://ameriservfinancial.com/role/SegmentResults" xlink:type="extended">
    <link:loc xlink:label="loc_SegmentReportingAbstract.4989.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_SegmentReportingDisclosureTextBlock.16757.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingDisclosureTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SegmentReportingAbstract.4989.12.8" xlink:to="loc_SegmentReportingDisclosureTextBlock.16757.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="322 - Disclosure - SEGMENT RESULTS (Tables)" xlink:role="http://ameriservfinancial.com/role/SegmentResultsTables" xlink:type="extended">
    <link:loc xlink:label="loc_SegmentReportingAbstract.4989.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfSegmentReportingInformationBySegmentTextBlock.16522.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SegmentReportingAbstract.4989.12.8" xlink:to="loc_ScheduleOfSegmentReportingInformationBySegmentTextBlock.16522.12.8" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="006 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY" xlink:role="http://ameriservfinancial.com/role/ConsolidatedStatementsOfChangesInStockholdersEquity" xlink:type="extended">
    <link:loc xlink:label="loc_EquityComponentDomain.1873.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PreferredStockMember.4097.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EquityComponentDomain.1873.12.6" xlink:to="loc_PreferredStockMember.4097.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_CommonStockMember.1087.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EquityComponentDomain.1873.12.6" xlink:to="loc_CommonStockMember.1087.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_TreasuryStockMember.5367.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TreasuryStockMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EquityComponentDomain.1873.12.6" xlink:to="loc_TreasuryStockMember.5367.12.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_AdditionalPaidInCapitalMember.485.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdditionalPaidInCapitalMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EquityComponentDomain.1873.12.6" xlink:to="loc_AdditionalPaidInCapitalMember.485.12.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_RetainedEarningsMember.4652.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RetainedEarningsMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EquityComponentDomain.1873.12.6" xlink:to="loc_RetainedEarningsMember.4652.12.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_EquityComponentDomain.1873.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityComponentDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeMember.466.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EquityComponentDomain.1873.12.7" xlink:to="loc_AccumulatedOtherComprehensiveIncomeMember.466.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_StatementTable.5163.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementTable" xlink:type="locator" />
    <link:loc xlink:label="loc_StatementEquityComponentsAxis.5169.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementTable.5163.12.6" xlink:to="loc_StatementEquityComponentsAxis.5169.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementLineItems.5164.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementTable.5163.12.6" xlink:to="loc_StatementLineItems.5164.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementLineItems.5164.12.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_StockholdersEquity.17302.12.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementLineItems.5164.12.10" xlink:to="loc_StockholdersEquity.17302.12.10" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
    <link:loc xlink:label="loc_StatementLineItems.5164.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_StockIssuedDuringPeriodValueDividendReinvestmentPlan.17216.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementLineItems.5164.12.7" xlink:to="loc_StockIssuedDuringPeriodValueDividendReinvestmentPlan.17216.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_StatementLineItems.5164.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_TreasuryStockValueAcquiredCostMethod.17702.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementLineItems.5164.12.52" xlink:to="loc_TreasuryStockValueAcquiredCostMethod.17702.12.52" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.5843.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementLineItems.5164.12.7" xlink:to="loc_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions.5843.12.7" order="3.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_NetIncomeLoss.13265.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementLineItems.5164.12.7" xlink:to="loc_NetIncomeLoss.13265.12.7" order="1.10000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_WarrantRepurchase.36885.12.52" xlink:href="asrv-20131231.xsd#asrv_WarrantRepurchase" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementLineItems.5164.12.52" xlink:to="loc_WarrantRepurchase.36885.12.52" order="1.20000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_DividendsPreferredStockCash.9002.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendsPreferredStockCash" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementLineItems.5164.12.52" xlink:to="loc_DividendsPreferredStockCash.9002.12.52" order="8.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementLineItems.5164.12.7" xlink:to="loc_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent.14111.12.7" order="9.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AccretionOfRedemptionDiscount.37656.12.52" xlink:href="asrv-20131231.xsd#asrv_AccretionOfRedemptionDiscount" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementLineItems.5164.12.52" xlink:to="loc_AccretionOfRedemptionDiscount.37656.12.52" order="2.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_DividendsCommonStockCash.9006.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendsCommonStockCash" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementLineItems.5164.12.52" xlink:to="loc_DividendsCommonStockCash.9006.12.52" order="6.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_StatementLineItems.5164.12.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_StockholdersEquity.17302.12.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementLineItems.5164.12.11" xlink:to="loc_StockholdersEquity.17302.12.11" order="10.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    <link:loc xlink:label="loc_StatementOfStockholdersEquityAbstract.5166.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfStockholdersEquityAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfStockholdersEquityAbstract.5166.12.6" xlink:to="loc_StatementTable.5163.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_StatementEquityComponentsAxis.5169.12.6" xlink:to="loc_EquityComponentDomain.1873.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="007 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical)" xlink:role="http://ameriservfinancial.com/role/ConsolidatedStatementsOfChangesInStockholdersEquityParenthetical" xlink:type="extended">
    <link:loc xlink:label="loc_StatementOfStockholdersEquityAbstract.5166.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementOfStockholdersEquityAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_TreasuryStockSharesAcquired.17705.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TreasuryStockSharesAcquired" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfStockholdersEquityAbstract.5166.12.7" xlink:to="loc_TreasuryStockSharesAcquired.17705.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_RepurchaseOfWarrantsShares.36886.12.7" xlink:href="asrv-20131231.xsd#asrv_RepurchaseOfWarrantsShares" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StatementOfStockholdersEquityAbstract.5166.12.7" xlink:to="loc_RepurchaseOfWarrantsShares.36886.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="102 - Disclosure - CASH AND DUE FROM DEPOSITORY INSTITUTIONS" xlink:role="http://ameriservfinancial.com/role/CashAndDueFromDepositoryInstitutions" xlink:type="extended">
    <link:loc xlink:label="loc_CashAndCashEquivalentsAbstract.938.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsDisclosureTextBlock.6840.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsDisclosureTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CashAndCashEquivalentsAbstract.938.12.7" xlink:to="loc_CashAndCashEquivalentsDisclosureTextBlock.6840.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="108 - Disclosure - DEPOSITS" xlink:role="http://ameriservfinancial.com/role/Deposits" xlink:type="extended">
    <link:loc xlink:label="loc_DepositsAbstract.1530.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DepositLiabilitiesDisclosuresTextBlock.8315.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_DepositLiabilitiesDisclosuresTextBlock.8315.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="109 - Disclosure - SHORT-TERM BORROWINGS" xlink:role="http://ameriservfinancial.com/role/ShorttermBorrowings" xlink:type="extended">
    <link:loc xlink:label="loc_ShortTermBorrowingsAbstract.5100.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermBorrowingsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ShortTermDebtTextBlock.17078.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShortTermBorrowingsAbstract.5100.12.7" xlink:to="loc_ShortTermDebtTextBlock.17078.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="110 - Disclosure - ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES" xlink:role="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebentures" xlink:type="extended">
    <link:loc xlink:label="loc_LongTermDebtAbstract.3212.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebtAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_LongTermDebtTextBlock.12723.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebtTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LongTermDebtAbstract.3212.12.7" xlink:to="loc_LongTermDebtTextBlock.12723.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="112 - Disclosure - DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS" xlink:role="http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstruments" xlink:type="extended">
    <link:loc xlink:label="loc_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract.36887.12.7" xlink:href="asrv-20131231.xsd#asrv_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancialInstrumentsDisclosureTextBlock.10186.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancialInstrumentsDisclosureTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract.36887.12.7" xlink:to="loc_FinancialInstrumentsDisclosureTextBlock.10186.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="113 - Disclosure - INCOME TAXES" xlink:role="http://ameriservfinancial.com/role/IncomeTaxes" xlink:type="extended">
    <link:loc xlink:label="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_IncomeTaxDisclosureTextBlock.11115.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:to="loc_IncomeTaxDisclosureTextBlock.11115.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="115 - Disclosure - LEASE COMMITMENTS" xlink:role="http://ameriservfinancial.com/role/LeaseCommitments" xlink:type="extended">
    <link:loc xlink:label="loc_LeasesOperatingAbstract.3036.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LeasesOperatingAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_LeasesOfLesseeDisclosureTextBlock.12083.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LeasesOfLesseeDisclosureTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LeasesOperatingAbstract.3036.12.7" xlink:to="loc_LeasesOfLesseeDisclosureTextBlock.12083.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="118 - Disclosure - STOCK COMPENSATION PLANS" xlink:role="http://ameriservfinancial.com/role/StockCompensationPlans" xlink:type="extended">
    <link:loc xlink:label="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock.8793.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:to="loc_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock.8793.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="120 - Disclosure - INTANGIBLE ASSETS" xlink:role="http://ameriservfinancial.com/role/IntangibleAssets" xlink:type="extended">
    <link:loc xlink:label="loc_GoodwillAndIntangibleAssetsDisclosureAbstract.2496.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_GoodwillAndIntangibleAssetsDisclosureTextBlock.10734.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_GoodwillAndIntangibleAssetsDisclosureAbstract.2496.12.7" xlink:to="loc_GoodwillAndIntangibleAssetsDisclosureTextBlock.10734.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="121 - Disclosure - DERIVATIVE HEDGING INSTRUMENTS" xlink:role="http://ameriservfinancial.com/role/DerivativeHedgingInstruments" xlink:type="extended">
    <link:loc xlink:label="loc_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract.1569.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock.8431.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract.1569.12.7" xlink:to="loc_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock.8431.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="124 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION" xlink:role="http://ameriservfinancial.com/role/ParentCompanyFinancialInformation" xlink:type="extended">
    <link:loc xlink:label="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.1150.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock.7228.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.1150.12.7" xlink:to="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock.7228.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="125 - Disclosure - SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA" xlink:role="http://ameriservfinancial.com/role/SelectedQuarterlyConsolidatedFinancialData" xlink:type="extended">
    <link:loc xlink:label="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_QuarterlyFinancialInformationDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_QuarterlyFinancialInformationTextBlock.15399.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_QuarterlyFinancialInformationTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.7" xlink:to="loc_QuarterlyFinancialInformationTextBlock.15399.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="107 - Disclosure - PREMISES AND EQUIPMENT" xlink:role="http://ameriservfinancial.com/role/PremisesAndEquipment" xlink:type="extended">
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentAbstract.4266.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentDisclosureTextBlock.15230.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PropertyPlantAndEquipmentAbstract.4266.12.7" xlink:to="loc_PropertyPlantAndEquipmentDisclosureTextBlock.15230.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="301 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)" xlink:role="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesTables" xlink:type="extended">
    <link:loc xlink:label="loc_AccountingPoliciesAbstract.414.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.16448.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock.16448.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock.16413.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock.16413.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="201 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policy)" xlink:role="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesPolicy" xlink:type="extended">
    <link:loc xlink:label="loc_AccountingPoliciesAbstract.414.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_BusinessAndNatureOfOperationsPolicyPolicyTextBlock.36890.12.7" xlink:href="asrv-20131231.xsd#asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_BusinessAndNatureOfOperationsPolicyPolicyTextBlock.36890.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ConsolidationPolicyTextBlock.7232.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ConsolidationPolicyTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_ConsolidationPolicyTextBlock.7232.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_InvestmentPolicyTextBlock.11895.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InvestmentPolicyTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_InvestmentPolicyTextBlock.11895.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankStockPolicyPolicyTextBlock.36891.12.7" xlink:href="asrv-20131231.xsd#asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_FederalHomeLoanBankStockPolicyPolicyTextBlock.36891.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy.12577.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy.12577.12.7" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.10094.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_FinanceLoanAndLeaseReceivablesHeldForSalePolicy.10094.12.7" order="8.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentPolicyTextBlock.15209.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_PropertyPlantAndEquipmentPolicyTextBlock.15209.12.7" order="9.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OffBalanceSheetCreditExposurePolicyPolicyTextBlock.13517.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_OffBalanceSheetCreditExposurePolicyPolicyTextBlock.13517.12.7" order="10.90000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_RevenueRecognitionServicesManagementFees.16141.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenueRecognitionServicesManagementFees" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_RevenueRecognitionServicesManagementFees.16141.12.7" order="11.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_LifeSettlementContractsPolicy.12329.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LifeSettlementContractsPolicy" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_LifeSettlementContractsPolicy.12329.12.7" order="12.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_EarningsPerSharePolicyTextBlock.9080.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerSharePolicyTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_EarningsPerSharePolicyTextBlock.9080.12.7" order="14.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationOptionAndIncentivePlansPolicy.16985.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_ShareBasedCompensationOptionAndIncentivePlansPolicy.16985.12.7" order="15.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ComprehensiveIncomePolicyPolicyTextBlock.7189.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomePolicyPolicyTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_ComprehensiveIncomePolicyPolicyTextBlock.7189.12.7" order="16.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsPolicyTextBlock.6844.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_CashAndCashEquivalentsPolicyTextBlock.6844.12.7" order="17.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_IncomeTaxPolicyTextBlock.11196.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxPolicyTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_IncomeTaxPolicyTextBlock.11196.12.7" order="18.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DerivativesPolicyTextBlock.8551.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativesPolicyTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_DerivativesPolicyTextBlock.8551.12.7" order="19.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_NewAccountingPronouncementsPolicyPolicyTextBlock.13302.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_NewAccountingPronouncementsPolicyPolicyTextBlock.13302.12.7" order="20.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.10092.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy.10092.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.10093.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy.10093.12.7" order="9.95000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_GoodwillAndIntangibleAssetsPolicyTextBlock.10726.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_GoodwillAndIntangibleAssetsPolicyTextBlock.10726.12.7" order="13.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FairValueTransferPolicyPolicyTextBlock.9547.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueTransferPolicyPolicyTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_FairValueTransferPolicyPolicyTextBlock.9547.12.7" order="8.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="307 - Disclosure - PREMISES AND EQUIPMENT (Tables)" xlink:role="http://ameriservfinancial.com/role/PremisesAndEquipmentTables" xlink:type="extended">
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentAbstract.4266.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentTextBlock.15219.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PropertyPlantAndEquipmentAbstract.4266.12.7" xlink:to="loc_PropertyPlantAndEquipmentTextBlock.15219.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="308 - Disclosure - DEPOSITS (Tables)" xlink:role="http://ameriservfinancial.com/role/DepositsTables" xlink:type="extended">
    <link:loc xlink:label="loc_DepositsAbstract.1530.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDepositLiabilitiesTableTextBlock.36892.12.7" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfDepositLiabilitiesTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_ScheduleOfDepositLiabilitiesTableTextBlock.36892.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_InterestIncomeAndInterestExpenseDisclosureTextBlock.11733.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeAndInterestExpenseDisclosureTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_InterestIncomeAndInterestExpenseDisclosureTextBlock.11733.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock.36893.12.7" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock.36893.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock.36894.12.7" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock.36894.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="309 - Disclosure - SHORT-TERM BORROWINGS (Tables)" xlink:role="http://ameriservfinancial.com/role/ShorttermBorrowingsTables" xlink:type="extended">
    <link:loc xlink:label="loc_ShortTermBorrowingsAbstract.5100.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermBorrowingsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfShortTermDebtTextBlock.16589.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShortTermDebtTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShortTermBorrowingsAbstract.5100.12.7" xlink:to="loc_ScheduleOfShortTermDebtTextBlock.16589.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="310 - Disclosure - ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Tables)" xlink:role="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesTables" xlink:type="extended">
    <link:loc xlink:label="loc_LongTermDebtAbstract.3212.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebtAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock.16495.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LongTermDebtAbstract.3212.12.7" xlink:to="loc_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock.16495.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="312 - Disclosure - DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)" xlink:role="http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstrumentsTables" xlink:type="extended">
    <link:loc xlink:label="loc_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract.36887.12.7" xlink:href="asrv-20131231.xsd#asrv_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueByBalanceSheetGroupingTextBlock.9796.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract.36887.12.7" xlink:to="loc_FairValueByBalanceSheetGroupingTextBlock.9796.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="313 - Disclosure - INCOME TAXES (Tables)" xlink:role="http://ameriservfinancial.com/role/IncomeTaxesTables" xlink:type="extended">
    <link:loc xlink:label="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock.16379.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:to="loc_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock.16379.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfChangesInDeferredTaxesTableTextBlock.36895.12.7" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfChangesInDeferredTaxesTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:to="loc_ScheduleOfChangesInDeferredTaxesTableTextBlock.36895.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock.16381.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:to="loc_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock.16381.12.7" order="3.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock.16361.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:to="loc_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock.16361.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="315 - Disclosure - LEASE COMMITMENTS (Tables)" xlink:role="http://ameriservfinancial.com/role/LeaseCommitmentsTables" xlink:type="extended">
    <link:loc xlink:label="loc_LeasesOperatingAbstract.3036.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LeasesOperatingAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.16405.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LeasesOperatingAbstract.3036.12.7" xlink:to="loc_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock.16405.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="318 - Disclosure - STOCK COMPENSATION PLANS (Tables)" xlink:role="http://ameriservfinancial.com/role/StockCompensationPlansTables" xlink:type="extended">
    <link:loc xlink:label="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.16335.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:to="loc_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock.16335.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.16360.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:to="loc_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock.16360.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="321 - Disclosure - DERIVATIVE HEDGING INSTRUMENTS (Tables)" xlink:role="http://ameriservfinancial.com/role/DerivativeHedgingInstrumentsTables" xlink:type="extended">
    <link:loc xlink:label="loc_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract.1569.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDerivativeInstrumentsTextBlock.16485.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDerivativeInstrumentsTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract.1569.12.7" xlink:to="loc_ScheduleOfDerivativeInstrumentsTextBlock.16485.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="324 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Tables)" xlink:role="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationTables" xlink:type="extended">
    <link:loc xlink:label="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.1150.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfCondensedBalanceSheetTableTextBlock.16369.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.1150.12.7" xlink:to="loc_ScheduleOfCondensedBalanceSheetTableTextBlock.16369.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfCondensedIncomeStatementTableTextBlock.16424.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.1150.12.7" xlink:to="loc_ScheduleOfCondensedIncomeStatementTableTextBlock.16424.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfCondensedCashFlowStatementTableTextBlock.16426.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.1150.12.7" xlink:to="loc_ScheduleOfCondensedCashFlowStatementTableTextBlock.16426.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="325 - Disclosure - SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Tables)" xlink:role="http://ameriservfinancial.com/role/SelectedQuarterlyConsolidatedFinancialDataTables" xlink:type="extended">
    <link:loc xlink:label="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_QuarterlyFinancialInformationDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfQuarterlyFinancialInformationTableTextBlock.16407.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.7" xlink:to="loc_ScheduleOfQuarterlyFinancialInformationTableTextBlock.16407.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40101 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountingPoliciesAbstract.414.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract.3716.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract.3716.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ReceivablesAbstract.4424.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_ReceivablesAbstract.4424.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AccountingPoliciesAbstract.414.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.6" xlink:to="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.12.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.6" xlink:to="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.12.6" order="5.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" order="7.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_SupplementalCashFlowInformationAbstract.5255.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_SupplementalCashFlowInformationAbstract.5255.12.7" order="8.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable.4777.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.6" xlink:to="loc_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable.4777.12.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.2190.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.2190.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems.581.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount.6016.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems.581.12.7" xlink:to="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount.6016.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.16947.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems.581.12.7" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.16947.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_RepurchaseOfWarrantsShares.36886.12.7" xlink:href="asrv-20131231.xsd#asrv_RepurchaseOfWarrantsShares" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems.581.12.7" xlink:to="loc_RepurchaseOfWarrantsShares.36886.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AllocatedShareBasedCompensationExpense.5919.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllocatedShareBasedCompensationExpense" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:to="loc_AllocatedShareBasedCompensationExpense.5919.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum.16941.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMinimum.16941.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum.16906.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRateMaximum.16906.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum.16894.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum.16894.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum.16892.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum.16892.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankStockParValue.36969.12.7" xlink:href="asrv-20131231.xsd#asrv_FederalHomeLoanBankStockParValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.2190.12.7" xlink:to="loc_FederalHomeLoanBankStockParValue.36969.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesLineItems.2284.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.36896.12.7" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesLineItems.2284.12.7" xlink:to="loc_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment.36896.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment.36897.12.7" xlink:href="asrv-20131231.xsd#asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableAllowanceForCreditLossesLineItems.2284.12.7" xlink:to="loc_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment.36897.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommercialPortfolioSegmentMember.1071.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommercialPortfolioSegmentMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" xlink:to="loc_CommercialPortfolioSegmentMember.1071.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_SmallBusinessLoansMember.36898.12.6" xlink:href="asrv-20131231.xsd#asrv_SmallBusinessLoansMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" xlink:to="loc_SmallBusinessLoansMember.36898.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain.2289.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InternalCreditAssessmentAxis.2889.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_InternalCreditAssessmentDomain.2890.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InternalCreditAssessmentAxis.2889.12.6" xlink:to="loc_InternalCreditAssessmentDomain.2890.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DoubtfulMember.1326.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DoubtfulMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_InternalCreditAssessmentDomain.2890.12.6" xlink:to="loc_DoubtfulMember.1326.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_NumberOfStores.13472.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NumberOfStores" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract.3716.12.7" xlink:to="loc_NumberOfStores.13472.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_NumberOfCountiesInWhichEntityOperates.36899.12.7" xlink:href="asrv-20131231.xsd#asrv_NumberOfCountiesInWhichEntityOperates" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract.3716.12.7" xlink:to="loc_NumberOfCountiesInWhichEntityOperates.36899.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AssetsHeldInTrust.6065.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsHeldInTrust" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract.3716.12.7" xlink:to="loc_AssetsHeldInTrust.6065.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentTypeDomain.4268.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_BuildingMember.743.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BuildingMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PropertyPlantAndEquipmentTypeDomain.4268.12.6" xlink:to="loc_BuildingMember.743.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_EquipmentMember.1853.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquipmentMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PropertyPlantAndEquipmentTypeDomain.4268.12.6" xlink:to="loc_EquipmentMember.1853.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentByTypeAxis.4272.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PropertyPlantAndEquipmentByTypeAxis.4272.12.6" xlink:to="loc_PropertyPlantAndEquipmentTypeDomain.4268.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentLineItems.4280.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentUsefulLife.15201.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PropertyPlantAndEquipmentLineItems.4280.12.7" xlink:to="loc_PropertyPlantAndEquipmentUsefulLife.15201.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_RangeAxis.4365.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeAxis.4365.12.6" xlink:to="loc_RangeMember.4366.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_MinimumMember.3382.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MinimumMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeMember.4366.12.6" xlink:to="loc_MinimumMember.3382.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_MaximumMember.3373.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaximumMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeMember.4366.12.6" xlink:to="loc_MaximumMember.3373.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable.36900.12.7" xlink:href="asrv-20131231.xsd#asrv_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ReceivablesAbstract.4424.12.7" xlink:to="loc_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable.36900.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable.4777.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable.4777.12.7" xlink:to="loc_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems.581.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:from="loc_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable.4777.12.6" xlink:to="loc_RangeAxis.4365.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.12.7" xlink:to="loc_FinancingReceivableAllowanceForCreditLossesLineItems.2284.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:from="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.12.6" xlink:to="loc_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis.2295.12.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable.4792.12.6" xlink:to="loc_InternalCreditAssessmentAxis.2889.12.6" order="1.25000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.12.6" xlink:to="loc_PropertyPlantAndEquipmentByTypeAxis.4272.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.12.7" xlink:to="loc_PropertyPlantAndEquipmentLineItems.4280.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_IncomeTaxesPaid.11165.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxesPaid" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SupplementalCashFlowInformationAbstract.5255.12.7" xlink:to="loc_IncomeTaxesPaid.11165.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_InterestPaid.11757.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestPaid" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SupplementalCashFlowInformationAbstract.5255.12.7" xlink:to="loc_InterestPaid.11757.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_TransferOfOtherRealEstate.17661.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TransferOfOtherRealEstate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SupplementalCashFlowInformationAbstract.5255.12.7" xlink:to="loc_TransferOfOtherRealEstate.17661.12.7" order="1.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40103 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Schedule of Accumulated Other Comprehensive Loss) (Details)" xlink:role="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesScheduleOfAccumulatedOtherComprehensiveLossDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountingPoliciesAbstract.414.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.5783.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.52" xlink:to="loc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax.5783.12.52" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_AccountingPoliciesAbstract.414.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.5785.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax.5785.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AccountingPoliciesAbstract.414.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.9" xlink:to="loc_AccumulatedOtherComprehensiveIncomeLossNetOfTax.5786.12.9" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40102 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Earnings Per Share) (Details)" xlink:role="http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesEarningsPerShareDetails" xlink:type="extended">
    <link:loc xlink:label="loc_AccountingPoliciesAbstract.414.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_NetIncomeLoss.13265.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_NetIncomeLoss.13265.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DividendsPreferredStock.9020.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendsPreferredStock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_DividendsPreferredStock.9020.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AccountingPoliciesAbstract.414.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_NetIncomeLossAvailableToCommonStockholdersBasic.13214.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.9" xlink:to="loc_NetIncomeLossAvailableToCommonStockholdersBasic.13214.12.9" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_AccountingPoliciesAbstract.414.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_WeightedAverageNumberOfSharesOutstandingBasic.18031.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.8" xlink:to="loc_WeightedAverageNumberOfSharesOutstandingBasic.18031.12.8" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_IncrementalCommonSharesAttributableToCallOptionsAndWarrants.11486.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.7" xlink:to="loc_IncrementalCommonSharesAttributableToCallOptionsAndWarrants.11486.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_WeightedAverageNumberOfDilutedSharesOutstanding.18047.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.8" xlink:to="loc_WeightedAverageNumberOfDilutedSharesOutstanding.18047.12.8" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_EarningsPerShareAbstract.1761.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AccountingPoliciesAbstract.414.12.8" xlink:to="loc_EarningsPerShareAbstract.1761.12.8" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_EarningsPerShareBasic.9083.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EarningsPerShareAbstract.1761.12.8" xlink:to="loc_EarningsPerShareBasic.9083.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_EarningsPerShareDiluted.9087.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EarningsPerShareAbstract.1761.12.8" xlink:to="loc_EarningsPerShareDiluted.9087.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40701 - Disclosure - PREMISES AND EQUIPMENT (Details)" xlink:role="http://ameriservfinancial.com/role/PremisesAndEquipmentDetails" xlink:type="extended">
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentAbstract.4266.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PropertyPlantAndEquipmentAbstract.4266.12.6" xlink:to="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentTypeDomain.4268.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_LandMember.3026.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LandMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PropertyPlantAndEquipmentTypeDomain.4268.12.6" xlink:to="loc_LandMember.3026.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentTypeDomain.4268.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_BuildingMember.743.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BuildingMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PropertyPlantAndEquipmentTypeDomain.4268.12.7" xlink:to="loc_BuildingMember.743.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_LeaseholdImprovementsMember.3031.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LeaseholdImprovementsMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PropertyPlantAndEquipmentTypeDomain.4268.12.6" xlink:to="loc_LeaseholdImprovementsMember.3031.12.6" order="4.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FurnitureAndFixturesMember.2394.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FurnitureAndFixturesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PropertyPlantAndEquipmentTypeDomain.4268.12.7" xlink:to="loc_FurnitureAndFixturesMember.2394.12.7" order="3.75000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentByTypeAxis.4272.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PropertyPlantAndEquipmentByTypeAxis.4272.12.6" xlink:to="loc_PropertyPlantAndEquipmentTypeDomain.4268.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentLineItems.4280.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentGross.15204.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PropertyPlantAndEquipmentLineItems.4280.12.7" xlink:to="loc_PropertyPlantAndEquipmentGross.15204.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.5779.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PropertyPlantAndEquipmentLineItems.4280.12.7" xlink:to="loc_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment.5779.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentLineItems.4280.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentNet.15211.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PropertyPlantAndEquipmentLineItems.4280.12.9" xlink:to="loc_PropertyPlantAndEquipmentNet.15211.12.9" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_Depreciation.8347.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Depreciation" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PropertyPlantAndEquipmentLineItems.4280.12.7" xlink:to="loc_Depreciation.8347.12.7" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:from="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.12.6" xlink:to="loc_PropertyPlantAndEquipmentByTypeAxis.4272.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_PropertyPlantAndEquipmentLineItems.4280.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfPropertyPlantAndEquipmentTable.4877.12.6" xlink:to="loc_PropertyPlantAndEquipmentLineItems.4280.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40801 - Disclosure - DEPOSITS (Schedule of Balances of Deposits) (Details)" xlink:role="http://ameriservfinancial.com/role/DepositsScheduleOfBalancesOfDepositsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DepositsAbstract.1530.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract.1534.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract.1534.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DepositsSavingsDeposits.8337.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsSavingsDeposits" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_DepositsSavingsDeposits.8337.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DepositsMoneyMarketDeposits.8329.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsMoneyMarketDeposits" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_DepositsMoneyMarketDeposits.8329.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_TimeDeposits100000OrMore.17585.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_TimeDeposits100000OrMore.17585.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_TimeDepositsLessThan100000.17590.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositsLessThan100000" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_TimeDepositsLessThan100000.17590.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DepositsAbstract.1530.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_Deposits.8332.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Deposits" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.9" xlink:to="loc_Deposits.8332.12.9" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_InterestBearingDomesticDepositDemand.11762.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestBearingDomesticDepositDemand" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract.1534.12.7" xlink:to="loc_InterestBearingDomesticDepositDemand.11762.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_NoninterestBearingDomesticDepositDemand.13368.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestBearingDomesticDepositDemand" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract.1534.12.7" xlink:to="loc_NoninterestBearingDomesticDepositDemand.13368.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40802 - Disclosure - DEPOSITS (Schedule of Interest Expense on Deposits) (Details)" xlink:role="http://ameriservfinancial.com/role/DepositsScheduleOfInterestExpenseOnDepositsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DepositsAbstract.1530.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesDemand.11646.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_InterestExpenseDomesticDepositLiabilitiesDemand.11646.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesSavings.11669.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_InterestExpenseDomesticDepositLiabilitiesSavings.11669.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesMoneyMarket.11668.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesMoneyMarket" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_InterestExpenseDomesticDepositLiabilitiesMoneyMarket.11668.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.36901.12.7" xlink:href="asrv-20131231.xsd#asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore.36901.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit.11638.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit.11638.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DepositsAbstract.1530.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_InterestExpenseDeposits.11709.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.9" xlink:to="loc_InterestExpenseDeposits.11709.12.9" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40803 - Disclosure - DEPOSITS (Schedule of Balances of Deposits of $100,000 or More) (Details)" xlink:role="http://ameriservfinancial.com/role/DepositsScheduleOfBalancesOfDepositsOfOneZeroZeroZeroZeroZeroOrMoreDetails" xlink:type="extended">
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.1199.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths.36902.12.7" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.1199.12.7" xlink:to="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths.36902.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo.36903.12.7" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.1199.12.7" xlink:to="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo.36903.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree.36904.12.7" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.1199.12.7" xlink:to="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree.36904.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour.36905.12.7" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.1199.12.7" xlink:to="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour.36905.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive.36906.12.7" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.1199.12.7" xlink:to="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive.36906.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive.36907.12.7" xlink:href="asrv-20131231.xsd#asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.1199.12.7" xlink:to="loc_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive.36907.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.1199.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_TimeDeposits100000OrMore.17585.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.1199.12.9" xlink:to="loc_TimeDeposits100000OrMore.17585.12.9" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_DepositsAbstract.1530.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_MaturitiesOfTimeDepositsAbstract.3365.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaturitiesOfTimeDepositsAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_MaturitiesOfTimeDepositsAbstract.3365.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract.1199.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearOne.17601.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearOne" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MaturitiesOfTimeDepositsAbstract.3365.12.7" xlink:to="loc_TimeDepositMaturitiesYearOne.17601.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearTwo.17597.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearTwo" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MaturitiesOfTimeDepositsAbstract.3365.12.7" xlink:to="loc_TimeDepositMaturitiesYearTwo.17597.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearThree.17583.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearThree" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MaturitiesOfTimeDepositsAbstract.3365.12.7" xlink:to="loc_TimeDepositMaturitiesYearThree.17583.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearFour.17603.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MaturitiesOfTimeDepositsAbstract.3365.12.7" xlink:to="loc_TimeDepositMaturitiesYearFour.17603.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_TimeDepositMaturitiesYearFive.17573.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFive" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MaturitiesOfTimeDepositsAbstract.3365.12.7" xlink:to="loc_TimeDepositMaturitiesYearFive.17573.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_TimeDepositMaturitiesAfterYearFive.17586.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MaturitiesOfTimeDepositsAbstract.3365.12.7" xlink:to="loc_TimeDepositMaturitiesAfterYearFive.17586.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_MaturitiesOfTimeDepositsAbstract.3365.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaturitiesOfTimeDepositsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_TimeDeposits.17577.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_MaturitiesOfTimeDepositsAbstract.3365.12.9" xlink:to="loc_TimeDeposits.17577.12.9" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40804 - Disclosure - DEPOSITS (Schedule of Maturities of Deposits of $100,000 or More) (Details)" xlink:role="http://ameriservfinancial.com/role/DepositsScheduleOfMaturitiesOfDepositsOfOneZeroZeroZeroZeroZeroOrMoreDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DepositsAbstract.1530.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.7318.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess.7318.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.7319.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths.7319.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.7320.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months.7320.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.7325.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.7" xlink:to="loc_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months.7325.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DepositsAbstract.1530.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DepositsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_TimeDeposits100000OrMore.17585.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TimeDeposits100000OrMore" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DepositsAbstract.1530.12.9" xlink:to="loc_TimeDeposits100000OrMore.17585.12.9" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40901 - Disclosure - SHORT-TERM BORROWINGS (Details)" xlink:role="http://ameriservfinancial.com/role/ShorttermBorrowingsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_ScheduleOfShortTermDebtTable.4903.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShortTermDebtTable" xlink:type="locator" />
    <link:loc xlink:label="loc_ShortTermDebtTypeAxis.5106.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtTypeAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfShortTermDebtTable.4903.12.6" xlink:to="loc_ShortTermDebtTypeAxis.5106.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ShortTermDebtLineItems.5104.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfShortTermDebtTable.4903.12.6" xlink:to="loc_ShortTermDebtLineItems.5104.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ShortTermBorrowingsAbstract.5100.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermBorrowingsAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShortTermBorrowingsAbstract.5100.12.6" xlink:to="loc_ScheduleOfShortTermDebtTable.4903.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ShortTermDebtLineItems.5104.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ShortTermBorrowings.17069.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShortTermDebtLineItems.5104.12.7" xlink:to="loc_ShortTermBorrowings.17069.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShorttermDebtMaximumMonthendOutstandingAmount.16225.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShortTermDebtLineItems.5104.12.7" xlink:to="loc_ShorttermDebtMaximumMonthendOutstandingAmount.16225.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShorttermDebtAverageOutstandingAmount.16227.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShorttermDebtAverageOutstandingAmount" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShortTermDebtLineItems.5104.12.7" xlink:to="loc_ShorttermDebtAverageOutstandingAmount.16227.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShortTermDebtWeightedAverageInterestRate.17080.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtWeightedAverageInterestRate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShortTermDebtLineItems.5104.12.7" xlink:to="loc_ShortTermDebtWeightedAverageInterestRate.17080.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DebtInstrumentInterestRateDuringPeriod.7760.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentInterestRateDuringPeriod" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShortTermDebtLineItems.5104.12.7" xlink:to="loc_DebtInstrumentInterestRateDuringPeriod.7760.12.7" order="3.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShortTermDebtInstrumentWeightedAverageTerm.36908.12.7" xlink:href="asrv-20131231.xsd#asrv_ShortTermDebtInstrumentWeightedAverageTerm" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShortTermDebtLineItems.5104.12.7" xlink:to="loc_ShortTermDebtInstrumentWeightedAverageTerm.36908.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShortTermDebtTypeDomain.5105.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtTypeDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_FederalFundsPurchasedMember.2202.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalFundsPurchasedMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShortTermDebtTypeDomain.5105.12.6" xlink:to="loc_FederalFundsPurchasedMember.2202.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ShortTermDebtTypeDomain.5105.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShortTermDebtTypeDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_ShortTermDebtExcludingFederalFundsPurchasedMember.36909.12.7" xlink:href="asrv-20131231.xsd#asrv_ShortTermDebtExcludingFederalFundsPurchasedMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShortTermDebtTypeDomain.5105.12.7" xlink:to="loc_ShortTermDebtExcludingFederalFundsPurchasedMember.36909.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:from="loc_ShortTermDebtTypeAxis.5106.12.6" xlink:to="loc_ShortTermDebtTypeDomain.5105.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41001 - Disclosure - ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Schedule of Balances and Advances) (Details)" xlink:role="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesScheduleOfBalancesAndAdvancesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.2190.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate.10022.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.2190.12.7" xlink:to="loc_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate.10022.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd.10005.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.2190.12.7" xlink:to="loc_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd.10005.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate.36910.12.7" xlink:href="asrv-20131231.xsd#asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.2190.12.7" xlink:to="loc_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate.36910.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate.10056.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.2190.12.7" xlink:to="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate.10056.12.7" order="2.75000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate.10042.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.2190.12.7" xlink:to="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate.10042.12.7" order="2.62500" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate.10038.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.2190.12.7" xlink:to="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate.10038.12.7" order="2.87500" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate.10058.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.2190.12.7" xlink:to="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate.10058.12.7" order="2.93750" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesActivityForYearAbstract.2210.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesActivityForYearAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_BorrowingsAndAdvancesFromFhlbMaturingOvernight.36911.12.7" xlink:href="asrv-20131231.xsd#asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernight" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FederalHomeLoanBankAdvancesActivityForYearAbstract.2210.12.7" xlink:to="loc_BorrowingsAndAdvancesFromFhlbMaturingOvernight.36911.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesActivityForYearAbstract.2210.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesActivityForYearAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_AdvancesFromFederalHomeLoanBanks.5882.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FederalHomeLoanBankAdvancesActivityForYearAbstract.2210.12.9" xlink:to="loc_AdvancesFromFederalHomeLoanBanks.5882.12.9" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesLongTerm.10065.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesLongTerm" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FederalHomeLoanBankAdvancesActivityForYearAbstract.2210.12.9" xlink:to="loc_FederalHomeLoanBankAdvancesLongTerm.10065.12.9" order="2.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.10067.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FederalHomeLoanBankAdvancesActivityForYearAbstract.2210.12.7" xlink:to="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate.10067.12.7" order="2.25000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.10064.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FederalHomeLoanBankAdvancesActivityForYearAbstract.2210.12.7" xlink:to="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate.10064.12.7" order="2.37500" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate.10036.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FederalHomeLoanBankAdvancesActivityForYearAbstract.2210.12.7" xlink:to="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate.10036.12.7" order="2.43750" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate.10059.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FederalHomeLoanBankAdvancesActivityForYearAbstract.2210.12.7" xlink:to="loc_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate.10059.12.7" order="2.46875" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_LongTermDebtAbstract.3212.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebtAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LongTermDebtAbstract.3212.12.7" xlink:to="loc_FederalHomeLoanBankAdvancesActivityForYearAbstract.2210.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:from="loc_LongTermDebtAbstract.3212.12.7" xlink:to="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract.2190.12.7" order="1.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41002 - Disclosure - ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DebtInstrumentLineItems.1342.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DebtInstrumentFaceAmount.7642.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentFaceAmount" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DebtInstrumentLineItems.1342.12.7" xlink:to="loc_DebtInstrumentFaceAmount.7642.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DebtInstrumentInterestRateStatedPercentage.7726.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DebtInstrumentLineItems.1342.12.7" xlink:to="loc_DebtInstrumentInterestRateStatedPercentage.7726.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DebtInstrumentCallDateEarliest.7672.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentCallDateEarliest" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DebtInstrumentLineItems.1342.12.7" xlink:to="loc_DebtInstrumentCallDateEarliest.7672.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DeferredFinanceCostsNet.7864.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredFinanceCostsNet" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DebtInstrumentLineItems.1342.12.7" xlink:to="loc_DeferredFinanceCostsNet.7864.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_EarlyRepaymentOfSubordinatedDebt.9067.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarlyRepaymentOfSubordinatedDebt" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DebtInstrumentLineItems.1342.12.7" xlink:to="loc_EarlyRepaymentOfSubordinatedDebt.9067.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_JuniorSubordinatedNotes.12033.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_JuniorSubordinatedNotes" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DebtInstrumentLineItems.1342.12.7" xlink:to="loc_JuniorSubordinatedNotes.12033.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DebtInstrumentMaturityDate.7758.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentMaturityDate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DebtInstrumentLineItems.1342.12.7" xlink:to="loc_DebtInstrumentMaturityDate.7758.12.7" order="2.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DebtInstrumentTable.1343.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DebtInstrumentAxis.1361.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DebtInstrumentTable.1343.12.6" xlink:to="loc_DebtInstrumentAxis.1361.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtInstrumentLineItems.1342.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DebtInstrumentTable.1343.12.6" xlink:to="loc_DebtInstrumentLineItems.1342.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtInstrumentNameDomain.1363.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DebtInstrumentAxis.1361.12.6" xlink:to="loc_DebtInstrumentNameDomain.1363.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember.36912.12.6" xlink:href="asrv-20131231.xsd#asrv_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DebtInstrumentNameDomain.1363.12.6" xlink:to="loc_GuaranteedJuniorSubordinatedDeferrableInterestDebenturesMember.36912.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_LongTermDebtAbstract.3212.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebtAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds.9995.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LongTermDebtAbstract.3212.12.7" xlink:to="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds.9995.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable.10057.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LongTermDebtAbstract.3212.12.7" xlink:to="loc_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable.10057.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_LongTermDebtAbstract.3212.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LongTermDebtAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LongTermDebtAbstract.3212.12.6" xlink:to="loc_DebtInstrumentTable.1343.12.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41103 - Disclosure - DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_FairValueByMeasurementFrequencyAxis.1988.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByMeasurementFrequencyAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementFrequencyDomain.2021.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueByMeasurementFrequencyAxis.1988.12.6" xlink:to="loc_FairValueMeasurementFrequencyDomain.2021.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.12.6" xlink:to="loc_FairValueByMeasurementFrequencyAxis.1988.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems.2051.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.12.6" xlink:to="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems.2051.12.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueMeasurementsNonrecurringMember.2056.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsNonrecurringMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueMeasurementFrequencyDomain.2021.12.6" xlink:to="loc_FairValueMeasurementsNonrecurringMember.2056.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems.2051.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ReceivablesFairValueDisclosure.15563.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ReceivablesFairValueDisclosure" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems.2051.12.8" xlink:to="loc_ReceivablesFairValueDisclosure.15563.12.8" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRecordedInvestment.10996.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems.2051.12.8" xlink:to="loc_ImpairedFinancingReceivableRecordedInvestment.10996.12.8" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems.2051.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ImpairedFinancingReceivableRelatedAllowance.10998.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems.2051.12.7" xlink:to="loc_ImpairedFinancingReceivableRelatedAllowance.10998.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FairValueDisclosuresAbstract.2053.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueDisclosuresAbstract.2053.12.6" xlink:to="loc_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable.1996.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41301 - Disclosure - INCOME TAXES (Schedule of Expense for Income Taxes) (Details)" xlink:role="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfExpenseForIncomeTaxesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_IncomeTaxDisclosureAbstract.2654.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_CurrentIncomeTaxExpenseBenefit.7543.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.8" xlink:to="loc_CurrentIncomeTaxExpenseBenefit.7543.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DeferredIncomeTaxExpenseBenefit.7887.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:to="loc_DeferredIncomeTaxExpenseBenefit.7887.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_IncomeTaxDisclosureAbstract.2654.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefit.11134.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.9" xlink:to="loc_IncomeTaxExpenseBenefit.11134.12.9" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41302 - Disclosure - INCOME TAXES (Schedule of Reconciliation Between Federal Statutory Tax Rate and Effective Income Tax Rate) (Details)" xlink:role="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfReconciliationBetweenFederalStatutoryTaxRateAndEffectiveIncomeTaxRateDetails" xlink:type="extended">
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract.1776.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.9141.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract.1776.12.7" xlink:to="loc_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate.9141.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract.1776.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateReconciliationTaxExemptIncome.9167.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract.1776.12.52" xlink:to="loc_EffectiveIncomeTaxRateReconciliationTaxExemptIncome.9167.12.52" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateReconciliationOtherAdjustments.9135.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract.1776.12.7" xlink:to="loc_EffectiveIncomeTaxRateReconciliationOtherAdjustments.9135.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract.1776.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_EffectiveIncomeTaxRateContinuingOperations.9118.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EffectiveIncomeTaxRateContinuingOperations" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract.1776.12.9" xlink:to="loc_EffectiveIncomeTaxRateContinuingOperations.9118.12.9" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract.2690.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:to="loc_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract.2690.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:to="loc_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract.1776.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate.11195.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract.2690.12.7" xlink:to="loc_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate.11195.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract.2690.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_IncomeTaxReconciliationTaxExemptIncome.11209.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract.2690.12.52" xlink:to="loc_IncomeTaxReconciliationTaxExemptIncome.11209.12.52" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_IncomeTaxReconciliationOtherReconcilingItems.11181.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxReconciliationOtherReconcilingItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract.2690.12.7" xlink:to="loc_IncomeTaxReconciliationOtherReconcilingItems.11181.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract.2690.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefit.11134.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract.2690.12.9" xlink:to="loc_IncomeTaxExpenseBenefit.11134.12.9" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41303 - Disclosure - INCOME TAXES (Schedule of Deferred Tax Assets and Liabilities) (Details)" xlink:role="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfDeferredTaxAssetsAndLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DeferredTaxLiabilitiesNetAbstract.1399.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxLiabilitiesNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DeferredTaxLiabilitiesInvestments.7784.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxLiabilitiesInvestments" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DeferredTaxLiabilitiesNetAbstract.1399.12.52" xlink:to="loc_DeferredTaxLiabilitiesInvestments.7784.12.52" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_DeferredTaxLiabilitiesOtherComprehensiveIncome.8023.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DeferredTaxLiabilitiesNetAbstract.1399.12.52" xlink:to="loc_DeferredTaxLiabilitiesOtherComprehensiveIncome.8023.12.52" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_DeferredTaxLiabilitiesOther.8014.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxLiabilitiesOther" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DeferredTaxLiabilitiesNetAbstract.1399.12.52" xlink:to="loc_DeferredTaxLiabilitiesOther.8014.12.52" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_DeferredTaxLiabilitiesNetAbstract.1399.12.55" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxLiabilitiesNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DeferredIncomeTaxLiabilities.7858.12.55" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredIncomeTaxLiabilities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DeferredTaxLiabilitiesNetAbstract.1399.12.55" xlink:to="loc_DeferredIncomeTaxLiabilities.7858.12.55" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel" />
    <link:loc xlink:label="loc_DeferredTaxAssetsNetAbstract.1447.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses.8019.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DeferredTaxAssetsNetAbstract.1447.12.7" xlink:to="loc_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses.8019.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves.8038.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DeferredTaxAssetsNetAbstract.1447.12.7" xlink:to="loc_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves.8038.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DeferredTaxAssetsPropertyPlantAndEquipment.7775.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DeferredTaxAssetsNetAbstract.1447.12.7" xlink:to="loc_DeferredTaxAssetsPropertyPlantAndEquipment.7775.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions.8000.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DeferredTaxAssetsNetAbstract.1447.12.7" xlink:to="loc_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions.8000.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DeferredTaxAssetsOperatingLossCarryforwards.7993.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DeferredTaxAssetsNetAbstract.1447.12.7" xlink:to="loc_DeferredTaxAssetsOperatingLossCarryforwards.7993.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax.7994.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DeferredTaxAssetsNetAbstract.1447.12.7" xlink:to="loc_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax.7994.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DeferredTaxAssetsOther.7967.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsOther" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DeferredTaxAssetsNetAbstract.1447.12.7" xlink:to="loc_DeferredTaxAssetsOther.7967.12.7" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DeferredTaxAssetsNetAbstract.1447.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsNetAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DeferredTaxAssetsNet.7976.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsNet" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DeferredTaxAssetsNetAbstract.1447.12.9" xlink:to="loc_DeferredTaxAssetsNet.7976.12.9" order="8.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:to="loc_DeferredTaxAssetsNetAbstract.1447.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DeferredTaxLiabilitiesNetAbstract.1399.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxLiabilitiesNetAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:to="loc_DeferredTaxLiabilitiesNetAbstract.1399.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_IncomeTaxDisclosureAbstract.2654.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DeferredTaxAssetsLiabilitiesNet.7910.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.9" xlink:to="loc_DeferredTaxAssetsLiabilitiesNet.7910.12.9" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41304 - Disclosure - INCOME TAXES (Schedule of Change in Net Deferred Tax Assets and Liabilities) (Details)" xlink:role="http://ameriservfinancial.com/role/IncomeTaxesScheduleOfChangeInNetDeferredTaxAssetsAndLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.14116.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:to="loc_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent.14116.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_IncomeTaxDisclosureAbstract.2654.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DeferredIncomeTaxExpenseBenefit.7887.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.52" xlink:to="loc_DeferredIncomeTaxExpenseBenefit.7887.12.52" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_IncomeTaxDisclosureAbstract.2654.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_IncreaseDecreaseInDeferredIncomeTaxes.11309.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredIncomeTaxes" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.9" xlink:to="loc_IncreaseDecreaseInDeferredIncomeTaxes.11309.12.9" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent.14120.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.52" xlink:to="loc_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent.14120.12.52" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41305 - Disclosure - INCOME TAXES (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/IncomeTaxesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_TaxCreditCarryforwardAmount.17468.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_TaxCreditCarryforwardAmount" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:to="loc_TaxCreditCarryforwardAmount.17468.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OperatingLossCarryforwards.13619.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLossCarryforwards" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:to="loc_OperatingLossCarryforwards.13619.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OperatingLossCarryforwardsExpirationDate.13603.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLossCarryforwardsExpirationDate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_IncomeTaxDisclosureAbstract.2654.12.7" xlink:to="loc_OperatingLossCarryforwardsExpirationDate.13603.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="314 - Disclosure - EMPLOYEE BENEFIT PLANS (Tables)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansTables" xlink:type="extended">
    <link:loc xlink:label="loc_CompensationAndRetirementDisclosureAbstract.1105.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.16471.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.7" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock.16471.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock.16395.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.7" xlink:to="loc_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock.16395.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock.16313.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.7" xlink:to="loc_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock.16313.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock.36913.12.7" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.7" xlink:to="loc_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock.36913.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfNetBenefitCostsTableTextBlock.16336.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfNetBenefitCostsTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.7" xlink:to="loc_ScheduleOfNetBenefitCostsTableTextBlock.16336.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock.16440.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.7" xlink:to="loc_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock.16440.12.7" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock.36914.12.7" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.7" xlink:to="loc_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock.36914.12.7" order="8.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfAllocationOfPlanAssetsTableTextBlock.16359.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.7" xlink:to="loc_ScheduleOfAllocationOfPlanAssetsTableTextBlock.16359.12.7" order="9.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfFairValueOfPlanAssetsTableTextBlock.36915.12.7" xlink:href="asrv-20131231.xsd#asrv_ScheduleOfFairValueOfPlanAssetsTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.7" xlink:to="loc_ScheduleOfFairValueOfPlanAssetsTableTextBlock.36915.12.7" order="10.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ScheduleOfExpectedBenefitPaymentsTableTextBlock.16450.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.7" xlink:to="loc_ScheduleOfExpectedBenefitPaymentsTableTextBlock.16450.12.7" order="11.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41401 - Disclosure - EMPLOYEE BENEFIT PLANS (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_CompensationAndRetirementDisclosureAbstract.1105.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.1514.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.7" xlink:to="loc_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.1514.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.36916.12.7" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours.36916.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanVestingPeriod.36917.12.7" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanVestingPeriod" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanVestingPeriod.36917.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.8163.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets.8163.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.36918.12.7" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock.36918.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.8106.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation.8106.12.7" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.8128.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.8128.12.7" order="8.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanTargetPlanAssetAllocations.8172.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanTargetPlanAssetAllocations" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanTargetPlanAssetAllocations.8172.12.7" order="9.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.8115.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum.8115.12.7" order="10.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.8136.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum.8136.12.7" order="11.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanFutureAmortizationOfGainLoss.8152.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanFutureAmortizationOfGainLoss.8152.12.7" order="5.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.8151.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit.8151.12.7" order="6.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear.8083.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear.8083.12.7" order="13.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.37134.12.7" xlink:href="asrv-20131231.xsd#asrv_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock.37134.12.7" order="4.10000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_PlanAssetCategoriesDomain.4030.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PlanAssetCategoriesDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.12.6" xlink:to="loc_PlanAssetCategoriesDomain.4030.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedContributionPlanCostRecognized.8247.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedContributionPlanCostRecognized" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.1514.12.7" xlink:to="loc_DefinedContributionPlanCostRecognized.8247.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.36919.12.7" xlink:href="asrv-20131231.xsd#asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.1514.12.7" xlink:to="loc_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld.36919.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.36920.12.7" xlink:href="asrv-20131231.xsd#asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.1514.12.7" xlink:to="loc_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent.36920.12.7" order="3.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent.8094.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.1514.12.7" xlink:to="loc_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent.8094.12.7" order="3.25000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch.8132.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract.1514.12.7" xlink:to="loc_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch.8132.12.7" order="2.62500" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_EquitySecuritiesMember.1886.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquitySecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PlanAssetCategoriesDomain.4030.12.6" xlink:to="loc_EquitySecuritiesMember.1886.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DebtSecuritiesMember.1364.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DebtSecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PlanAssetCategoriesDomain.4030.12.6" xlink:to="loc_DebtSecuritiesMember.1364.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:to="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.12.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41402 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Changes in Benefit Obligations and Plan Assets and Funded Status) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfChangesInBenefitObligationsAndPlanAssetsAndFundedStatusDetails" xlink:type="extended">
    <link:loc xlink:label="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.12.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitObligation.8096.12.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitObligation" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.12.10" xlink:to="loc_DefinedBenefitPlanBenefitObligation.8096.12.10" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanServiceCost.8191.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanServiceCost" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.12.7" xlink:to="loc_DefinedBenefitPlanServiceCost.8191.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanInterestCost.8212.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanInterestCost" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.12.7" xlink:to="loc_DefinedBenefitPlanInterestCost.8212.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanActuarialGainLoss.8119.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanActuarialGainLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.12.7" xlink:to="loc_DefinedBenefitPlanActuarialGainLoss.8119.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitsPaid.8167.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitsPaid" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.12.52" xlink:to="loc_DefinedBenefitPlanBenefitsPaid.8167.12.52" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.12.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitObligation.8096.12.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitObligation" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.12.11" xlink:to="loc_DefinedBenefitPlanBenefitObligation.8096.12.11" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanChangeInBenefitObligationRollForward.1471.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanFundedStatusOfPlan.8199.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFundedStatusOfPlan" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.9" xlink:to="loc_DefinedBenefitPlanFundedStatusOfPlan.8199.12.9" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.12.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.12.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.12.10" xlink:to="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.12.10" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanActualReturnOnPlanAssets.8157.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.12.7" xlink:to="loc_DefinedBenefitPlanActualReturnOnPlanAssets.8157.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanContributionsByEmployer.8217.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.12.7" xlink:to="loc_DefinedBenefitPlanContributionsByEmployer.8217.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.12.57" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanBenefitsPaid.8167.12.57" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanBenefitsPaid" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.12.57" xlink:to="loc_DefinedBenefitPlanBenefitsPaid.8167.12.57" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.12.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.12.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward.1491.12.11" xlink:to="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.12.11" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41403 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Amounts Not Yet Recognized as a Component of Net Periodic Pension Cost) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAmountsNotYetRecognizedAsComponentOfNetPeriodicPensionCostDetails" xlink:type="extended">
    <link:loc xlink:label="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.1482.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax.8150.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.1482.12.52" xlink:to="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax.8150.12.52" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.1482.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.8173.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.1482.12.7" xlink:to="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax.8173.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax.8107.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.1482.12.52" xlink:to="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax.8107.12.52" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.1482.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.8082.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.1482.12.9" xlink:to="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax.8082.12.9" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract.1482.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:to="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41404 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Accumulated Benefit Obligation) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAccumulatedBenefitObligationDetails" xlink:type="extended">
    <link:loc xlink:label="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAccumulatedBenefitObligation.8169.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanAccumulatedBenefitObligation.8169.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:to="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41405 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Weighted Average Assumptions Used to Determine Benefit Obligations) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfWeightedAverageAssumptionsUsedToDetermineBenefitObligationsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.1504.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.1504.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.8123.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.1504.12.7" xlink:to="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate.8123.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.8160.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract.1504.12.7" xlink:to="loc_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease.8160.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:to="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41406 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Components of Net Periodic Benefit Cost) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfComponentsOfNetPeriodicBenefitCostDetails" xlink:type="extended">
    <link:loc xlink:label="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanServiceCost.8191.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanServiceCost" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.12.7" xlink:to="loc_DefinedBenefitPlanServiceCost.8191.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanInterestCost.8212.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanInterestCost" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.12.7" xlink:to="loc_DefinedBenefitPlanInterestCost.8212.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedReturnOnPlanAssets.8235.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.12.52" xlink:to="loc_DefinedBenefitPlanExpectedReturnOnPlanAssets.8235.12.52" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit.8099.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.12.7" xlink:to="loc_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit.8099.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets.8156.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.12.7" xlink:to="loc_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets.8156.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAmortizationOfGainsLosses.8134.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.12.52" xlink:to="loc_DefinedBenefitPlanAmortizationOfGainsLosses.8134.12.52" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanNetPeriodicBenefitCost.8223.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanNetPeriodicBenefitCostAbstract.1501.12.9" xlink:to="loc_DefinedBenefitPlanNetPeriodicBenefitCost.8223.12.9" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:to="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41407 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Other Changes in Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income (Loss)) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfOtherChangesInPlanAssetsAndBenefitObligationsRecognizedInOtherComprehensiveIncomeLossDetails" xlink:type="extended">
    <link:loc xlink:label="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax.6004.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.9" xlink:to="loc_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax.6004.12.9" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax.13816.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.12.52" xlink:to="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax.13816.12.52" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.13724.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.12.9" xlink:to="loc_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax.13724.12.9" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.13799.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.12.52" xlink:to="loc_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax.13799.12.52" order="3.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.13678.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.12.7" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax.13678.12.7" order="4.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.13723.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract.3805.12.8" xlink:to="loc_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax.13723.12.8" order="2.75000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:to="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41408 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Weighted Average Assumptions Used to Determine Net Periodic Benefit Cost) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfWeightedAverageAssumptionsUsedToDetermineNetPeriodicBenefitCostDetails" xlink:type="extended">
    <link:loc xlink:label="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.1512.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.1512.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.8139.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.1512.12.7" xlink:to="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate.8139.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.8128.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.1512.12.7" xlink:to="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets.8128.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.8170.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract.1512.12.7" xlink:to="loc_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease.8170.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:to="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41409 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Plan's Asset Allocations) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfPlansAssetAllocationsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1497.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1497.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanWeightedAverageAssetAllocations.8258.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1497.12.7" xlink:to="loc_DefinedBenefitPlanWeightedAverageAssetAllocations.8258.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_PlanAssetCategoriesDomain.4030.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PlanAssetCategoriesDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.12.6" xlink:to="loc_PlanAssetCategoriesDomain.4030.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsMember.941.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PlanAssetCategoriesDomain.4030.12.6" xlink:to="loc_CashAndCashEquivalentsMember.941.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_EquitySecuritiesMember.1886.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquitySecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PlanAssetCategoriesDomain.4030.12.6" xlink:to="loc_EquitySecuritiesMember.1886.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ExchangeTradedFundsMember.1913.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ExchangeTradedFundsMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PlanAssetCategoriesDomain.4030.12.6" xlink:to="loc_ExchangeTradedFundsMember.1913.12.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_CorporateDebtSecuritiesMember.1234.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateDebtSecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PlanAssetCategoriesDomain.4030.12.6" xlink:to="loc_CorporateDebtSecuritiesMember.1234.12.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_AmeriservFinancialIncCommonStockMember.36921.12.6" xlink:href="asrv-20131231.xsd#asrv_AmeriservFinancialIncCommonStockMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PlanAssetCategoriesDomain.4030.12.6" xlink:to="loc_AmeriservFinancialIncCommonStockMember.36921.12.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InternationalEquitySecuritiesMember.36922.12.6" xlink:href="asrv-20131231.xsd#asrv_InternationalEquitySecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PlanAssetCategoriesDomain.4030.12.6" xlink:to="loc_InternationalEquitySecuritiesMember.36922.12.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:to="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.12.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41410 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Assets Measured at Fair Value) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAssetsMeasuredAtFairValueDetails" xlink:type="extended">
    <link:loc xlink:label="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1497.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1497.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanInformationAboutPlanAssetsAbstract.1497.12.7" xlink:to="loc_DefinedBenefitPlanFairValueOfPlanAssets.8215.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_PlanAssetCategoriesDomain.4030.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PlanAssetCategoriesDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.12.6" xlink:to="loc_PlanAssetCategoriesDomain.4030.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueByFairValueHierarchyLevelAxis.1998.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueByFairValueHierarchyLevelAxis.1998.12.6" xlink:to="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_FairValueInputsLevel1Member.2138.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.7" xlink:to="loc_FairValueInputsLevel1Member.2138.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FairValueInputsLevel2Member.2139.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_FairValueMeasurementsFairValueHierarchyDomain.2060.12.7" xlink:to="loc_FairValueInputsLevel2Member.2139.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsMember.941.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PlanAssetCategoriesDomain.4030.12.6" xlink:to="loc_CashAndCashEquivalentsMember.941.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_EquitySecuritiesMember.1886.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquitySecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PlanAssetCategoriesDomain.4030.12.6" xlink:to="loc_EquitySecuritiesMember.1886.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ExchangeTradedFundsMember.1913.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ExchangeTradedFundsMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PlanAssetCategoriesDomain.4030.12.6" xlink:to="loc_ExchangeTradedFundsMember.1913.12.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_USTreasuryAndGovernmentMember.5486.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_USTreasuryAndGovernmentMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PlanAssetCategoriesDomain.4030.12.6" xlink:to="loc_USTreasuryAndGovernmentMember.5486.12.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_CorporateDebtSecuritiesMember.1234.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CorporateDebtSecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PlanAssetCategoriesDomain.4030.12.6" xlink:to="loc_CorporateDebtSecuritiesMember.1234.12.6" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InternationalEquitySecuritiesMember.36922.12.6" xlink:href="asrv-20131231.xsd#asrv_InternationalEquitySecuritiesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PlanAssetCategoriesDomain.4030.12.6" xlink:to="loc_InternationalEquitySecuritiesMember.36922.12.6" order="3.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:to="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_DefinedBenefitPlanByPlanAssetCategoriesAxis.1505.12.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_FairValueByFairValueHierarchyLevelAxis.1998.12.6" order="1.75000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41411 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Estimated Future Benefit Payments) (Details)" xlink:role="http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfEstimatedFutureBenefitPaymentsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CompensationAndRetirementDisclosureAbstract.1105.12.6" xlink:to="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" xlink:to="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.8155.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.12.7" xlink:to="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths.8155.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.8122.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.12.7" xlink:to="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo.8122.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.8095.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.12.7" xlink:to="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree.8095.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.8144.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.12.7" xlink:to="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour.8144.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.8126.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.12.7" xlink:to="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive.8126.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.8174.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract.1492.12.7" xlink:to="loc_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter.8174.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_PensionPlansDefinedBenefitMember.4013.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PensionPlansDefinedBenefitMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDomain.1509.12.6" xlink:to="loc_PensionPlansDefinedBenefitMember.4013.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" xlink:to="loc_DefinedBenefitPlansDomain.1509.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.6" xlink:to="loc_DefinedBenefitPlansDisclosuresDefinedBenefitPlansAxis.1518.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfDefinedBenefitPlansDisclosuresTable.4836.12.7" xlink:to="loc_DefinedBenefitPlanDisclosureLineItems.1484.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41501 - Disclosure - LEASE COMMITMENTS (Details)" xlink:role="http://ameriservfinancial.com/role/LeaseCommitmentsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_LeasesOperatingAbstract.3036.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LeasesOperatingAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueAbstract.3681.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LeasesOperatingAbstract.3036.12.7" xlink:to="loc_OperatingLeasesFutureMinimumPaymentsDueAbstract.3681.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OperatingLeasesRentExpenseNet.13584.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesRentExpenseNet" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LeasesOperatingAbstract.3036.12.7" xlink:to="loc_OperatingLeasesRentExpenseNet.13584.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueCurrent.13585.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueAbstract.3681.12.7" xlink:to="loc_OperatingLeasesFutureMinimumPaymentsDueCurrent.13585.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.13613.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueAbstract.3681.12.7" xlink:to="loc_OperatingLeasesFutureMinimumPaymentsDueInTwoYears.13613.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.13581.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueAbstract.3681.12.7" xlink:to="loc_OperatingLeasesFutureMinimumPaymentsDueInThreeYears.13581.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInFourYears.13569.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueAbstract.3681.12.7" xlink:to="loc_OperatingLeasesFutureMinimumPaymentsDueInFourYears.13569.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.13574.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueAbstract.3681.12.7" xlink:to="loc_OperatingLeasesFutureMinimumPaymentsDueInFiveYears.13574.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OperatingLeasesFutureMinimumPaymentsDueThereafter.13567.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_OperatingLeasesFutureMinimumPaymentsDueAbstract.3681.12.7" xlink:to="loc_OperatingLeasesFutureMinimumPaymentsDueThereafter.13567.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41801 - Disclosure - STOCK COMPENSATION PLANS (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/StockCompensationPlansNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_AllocatedShareBasedCompensationExpense.5919.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AllocatedShareBasedCompensationExpense" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:to="loc_AllocatedShareBasedCompensationExpense.5919.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized.16973.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized.16973.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent.16208.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:to="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent.16208.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1.16907.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1.16907.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable.4894.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.6" xlink:to="loc_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable.4894.12.6" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod.16212.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:to="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod.16212.12.7" order="4.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis.5083.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable.4894.12.6" xlink:to="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis.5083.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTable.4894.12.6" xlink:to="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions.17018.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.12.7" xlink:to="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions.17018.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit.17007.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.12.7" xlink:to="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit.17007.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit.17024.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.12.7" xlink:to="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit.17024.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions.17016.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.12.7" xlink:to="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions.17016.12.7" order="1.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1.16196.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.12.7" xlink:to="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1.16196.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1.16205.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.12.7" xlink:to="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1.16205.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2.16200.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.12.7" xlink:to="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2.16200.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2.16220.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems.5081.12.7" xlink:to="loc_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2.16220.12.7" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain.5084.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis.5083.12.6" xlink:to="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain.5084.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeOneMember.36924.12.6" xlink:href="asrv-20131231.xsd#asrv_RangeOneMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain.5084.12.6" xlink:to="loc_RangeOneMember.36924.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeTwoMember.36925.12.6" xlink:href="asrv-20131231.xsd#asrv_RangeTwoMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeDomain.5084.12.6" xlink:to="loc_RangeTwoMember.36925.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41802 - Disclosure - STOCK COMPENSATION PLANS (Schedule of Stock Incentive Plan Activity) (Details)" xlink:role="http://ameriservfinancial.com/role/StockCompensationPlansScheduleOfStockIncentivePlanActivityDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.5085.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.5085.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.5065.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.5065.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.16964.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber.16964.12.7" order="2.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.16947.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.8" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice.16947.12.8" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.16884.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.7" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue.16884.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.5065.12.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:type="locator" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.16982.12.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.5065.12.10" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.16982.12.10" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.16885.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.5065.12.7" xlink:to="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice.16885.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.16889.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.5065.12.7" xlink:to="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice.16889.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.16942.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.5065.12.7" xlink:to="loc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice.16942.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.5065.12.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward" xlink:type="locator" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.16982.12.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward.5065.12.11" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice.16982.12.11" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.5085.12.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:type="locator" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.16990.12.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.5085.12.10" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.16990.12.10" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.5085.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:type="locator" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.16909.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.5085.12.8" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross.16909.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.5085.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:type="locator" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.16962.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.5085.12.52" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod.16962.12.52" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_StockIssuedDuringPeriodSharesStockOptionsExercised.17264.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.5085.12.52" xlink:to="loc_StockIssuedDuringPeriodSharesStockOptionsExercised.17264.12.52" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.5085.12.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward" xlink:type="locator" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.16990.12.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward.5085.12.11" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber.16990.12.11" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41803 - Disclosure - STOCK COMPENSATION PLANS (Schedule of Assumptions) (Details)" xlink:role="http://ameriservfinancial.com/role/StockCompensationPlansScheduleOfAssumptionsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable.4883.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract.1637.12.6" xlink:to="loc_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable.4883.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeAxis.4365.12.6" xlink:to="loc_RangeMember.4366.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_MinimumMember.3382.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MinimumMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeMember.4366.12.6" xlink:to="loc_MinimumMember.3382.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_MaximumMember.3373.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaximumMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeMember.4366.12.6" xlink:to="loc_MaximumMember.3373.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable.4883.12.6" xlink:to="loc_RangeAxis.4365.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.5072.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable.4883.12.6" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.5072.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.5072.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.16975.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.5072.12.7" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate.16975.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.16972.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.5072.12.7" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate.16972.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1.16199.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.5072.12.7" xlink:to="loc_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1.16199.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate.16956.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems.5072.12.7" xlink:to="loc_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate.16956.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="42001 - Disclosure - INTANGIBLE ASSETS (Details)" xlink:role="http://ameriservfinancial.com/role/IntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_BusinessAcquisitionAxis.750.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BusinessAcquisitionAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_BusinessAcquisitionAcquireeDomain.775.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_BusinessAcquisitionAcquireeDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_BusinessAcquisitionAxis.750.12.6" xlink:to="loc_BusinessAcquisitionAcquireeDomain.775.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_WestChesterCapitalAdvisorsMember.36927.12.6" xlink:href="asrv-20131231.xsd#asrv_WestChesterCapitalAdvisorsMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_BusinessAcquisitionAcquireeDomain.775.12.6" xlink:to="loc_WestChesterCapitalAdvisorsMember.36927.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_GoodwillLineItems.2490.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GoodwillLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_Goodwill.10732.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Goodwill" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_GoodwillLineItems.2490.12.7" xlink:to="loc_Goodwill.10732.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_GoodwillAndIntangibleAssetsDisclosureAbstract.2496.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfGoodwillTable.4858.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfGoodwillTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_GoodwillAndIntangibleAssetsDisclosureAbstract.2496.12.6" xlink:to="loc_ScheduleOfGoodwillTable.4858.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementBusinessSegmentsAxis.5172.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfGoodwillTable.4858.12.6" xlink:to="loc_StatementBusinessSegmentsAxis.5172.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_GoodwillLineItems.2490.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_GoodwillLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfGoodwillTable.4858.12.6" xlink:to="loc_GoodwillLineItems.2490.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfGoodwillTable.4858.12.6" xlink:to="loc_BusinessAcquisitionAxis.750.12.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_SegmentDomain.4981.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_RetailBankingMember.36870.12.6" xlink:href="asrv-20131231.xsd#asrv_RetailBankingMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SegmentDomain.4981.12.6" xlink:to="loc_RetailBankingMember.36870.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_StatementBusinessSegmentsAxis.5172.12.6" xlink:to="loc_SegmentDomain.4981.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="42101 - Disclosure - DERIVATIVE HEDGING INSTRUMENTS (Details)" xlink:role="http://ameriservfinancial.com/role/DerivativeHedgingInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_DerivativeLineItems.1552.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_DerivativeInceptionDates.8427.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInceptionDates" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DerivativeLineItems.1552.12.7" xlink:to="loc_DerivativeInceptionDates.8427.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DerivativeMaturityDates.8426.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeMaturityDates" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DerivativeLineItems.1552.12.7" xlink:to="loc_DerivativeMaturityDates.8426.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DerivativeVariableInterestRate.8517.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeVariableInterestRate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DerivativeLineItems.1552.12.7" xlink:to="loc_DerivativeVariableInterestRate.8517.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DerivativeFixedInterestRate.8465.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeFixedInterestRate" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DerivativeLineItems.1552.12.7" xlink:to="loc_DerivativeFixedInterestRate.8465.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.11317.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DerivativeLineItems.1552.12.7" xlink:to="loc_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1.11317.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_MaximumNotionalAmountOfDerivativesOutstanding.36928.12.7" xlink:href="asrv-20131231.xsd#asrv_MaximumNotionalAmountOfDerivativesOutstanding" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DerivativeLineItems.1552.12.7" xlink:to="loc_MaximumNotionalAmountOfDerivativesOutstanding.36928.12.7" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DerivativeNotionalAmount.277.12.7" xlink:href="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd#invest_DerivativeNotionalAmount" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DerivativeLineItems.1552.12.7" xlink:to="loc_DerivativeNotionalAmount.277.12.7" order="3.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DerivativeTable.1564.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeTable" xlink:type="locator" />
    <link:loc xlink:label="loc_DerivativeByNatureAxis.1573.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeByNatureAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DerivativeTable.1564.12.6" xlink:to="loc_DerivativeByNatureAxis.1573.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DerivativeLineItems.1552.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DerivativeTable.1564.12.6" xlink:to="loc_DerivativeLineItems.1552.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract.1569.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract.1569.12.6" xlink:to="loc_DerivativeTable.1564.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_DerivativeNameDomain.1577.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DerivativeNameDomain" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DerivativeByNatureAxis.1573.12.6" xlink:to="loc_DerivativeNameDomain.1577.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestRateSwapMember.2870.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestRateSwapMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DerivativeNameDomain.1577.12.6" xlink:to="loc_InterestRateSwapMember.2870.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestRateSwapOneMember.36929.12.6" xlink:href="asrv-20131231.xsd#asrv_InterestRateSwapOneMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DerivativeNameDomain.1577.12.6" xlink:to="loc_InterestRateSwapOneMember.36929.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestRateSwapTwoMember.36930.12.6" xlink:href="asrv-20131231.xsd#asrv_InterestRateSwapTwoMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_DerivativeNameDomain.1577.12.6" xlink:to="loc_InterestRateSwapTwoMember.36930.12.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="42401 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Balance Sheets) (Details)" xlink:role="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationBalanceSheetsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_EntityDomain.99.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_ParentCompanyMember.3923.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ParentCompanyMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EntityDomain.99.12.6" xlink:to="loc_ParentCompanyMember.3923.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_LegalEntityAxis.136.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LegalEntityAxis.136.12.6" xlink:to="loc_EntityDomain.99.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_AssetsAbstract.620.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_CashAndDueFromBanks.6815.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.8" xlink:to="loc_CashAndDueFromBanks.6815.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_AssetsAbstract.620.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_OtherShortTermInvestments.14081.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherShortTermInvestments" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.7" xlink:to="loc_OtherShortTermInvestments.14081.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AvailableForSaleSecurities.6182.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.7" xlink:to="loc_AvailableForSaleSecurities.6182.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_EquityMethodInvestments.9316.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvestments" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.7" xlink:to="loc_EquityMethodInvestments.9316.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DeferredFinanceCostsNet.7864.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DeferredFinanceCostsNet" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.8" xlink:to="loc_DeferredFinanceCostsNet.7864.12.8" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_OtherAssets.13839.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherAssets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.7" xlink:to="loc_OtherAssets.13839.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AssetsAbstract.620.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AssetsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_Assets.6057.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AssetsAbstract.620.12.9" xlink:to="loc_Assets.6057.12.9" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.7" xlink:to="loc_AssetsAbstract.620.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_LiabilitiesAbstract.3056.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.7" xlink:to="loc_LiabilitiesAbstract.3056.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_StockholdersEquityAbstract.5197.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.7" xlink:to="loc_StockholdersEquityAbstract.5197.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_LiabilitiesAndStockholdersEquity.12135.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.9" xlink:to="loc_LiabilitiesAndStockholdersEquity.12135.12.9" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.1150.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfCondensedFinancialStatementsTable.4818.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedFinancialStatementsTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.1150.12.6" xlink:to="loc_ScheduleOfCondensedFinancialStatementsTable.4818.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_EquityMethodInvesteeNameDomain.1871.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvesteeNameDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_BankingSubsidiaryMember.36931.12.6" xlink:href="asrv-20131231.xsd#asrv_BankingSubsidiaryMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EquityMethodInvesteeNameDomain.1871.12.6" xlink:to="loc_BankingSubsidiaryMember.36931.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_EquityMethodInvesteeNameDomain.1871.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvesteeNameDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_NonBankingSubsidiariesMember.36932.12.7" xlink:href="asrv-20131231.xsd#asrv_NonBankingSubsidiariesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EquityMethodInvesteeNameDomain.1871.12.7" xlink:to="loc_NonBankingSubsidiariesMember.36932.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_JuniorSubordinatedNotes.12033.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_JuniorSubordinatedNotes" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LiabilitiesAbstract.3056.12.7" xlink:to="loc_JuniorSubordinatedNotes.12033.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OtherLiabilities.14024.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherLiabilities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LiabilitiesAbstract.3056.12.7" xlink:to="loc_OtherLiabilities.14024.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_LiabilitiesAbstract.3056.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_Liabilities.12166.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Liabilities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LiabilitiesAbstract.3056.12.9" xlink:to="loc_Liabilities.12166.12.9" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:presentationArc xlink:from="loc_ScheduleOfCondensedFinancialStatementsTable.4818.12.6" xlink:to="loc_LegalEntityAxis.136.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfCondensedFinancialStatementsTable.4818.12.6" xlink:to="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfCondensedFinancialStatementsTable.4818.12.6" xlink:to="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.12.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.12.6" xlink:to="loc_EquityMethodInvesteeNameDomain.1871.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_StockholdersEquity.17302.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockholdersEquity" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_StockholdersEquityAbstract.5197.12.7" xlink:to="loc_StockholdersEquity.17302.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="42402 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Statements of Operations) (Details)" xlink:role="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationStatementsOfOperationsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_EntityDomain.99.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_ParentCompanyMember.3923.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ParentCompanyMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EntityDomain.99.12.6" xlink:to="loc_ParentCompanyMember.3923.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_LegalEntityAxis.136.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LegalEntityAxis.136.12.6" xlink:to="loc_EntityDomain.99.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_CostsAndExpensesAbstract.1259.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CostsAndExpensesAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.7" xlink:to="loc_CostsAndExpensesAbstract.1259.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.9" xlink:to="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.12.9" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefit.11134.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.52" xlink:to="loc_IncomeTaxExpenseBenefit.11134.12.52" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_NetIncomeLoss.13265.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.9" xlink:to="loc_NetIncomeLoss.13265.12.9" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_RevenuesAbstract.4680.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenuesAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.7" xlink:to="loc_RevenuesAbstract.4680.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ComprehensiveIncomeNetOfTax.7190.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.9" xlink:to="loc_ComprehensiveIncomeNetOfTax.7190.12.9" order="8.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_IncomeLossFromSubsidiariesNetOfTax.11103.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.7" xlink:to="loc_IncomeLossFromSubsidiariesNetOfTax.11103.12.7" order="6.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.1150.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfCondensedFinancialStatementsTable.4818.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedFinancialStatementsTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.1150.12.6" xlink:to="loc_ScheduleOfCondensedFinancialStatementsTable.4818.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InterestExpense.11654.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CostsAndExpensesAbstract.1259.12.7" xlink:to="loc_InterestExpense.11654.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_LaborAndRelatedExpense.12056.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CostsAndExpensesAbstract.1259.12.7" xlink:to="loc_LaborAndRelatedExpense.12056.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OtherNoninterestExpense.13993.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CostsAndExpensesAbstract.1259.12.7" xlink:to="loc_OtherNoninterestExpense.13993.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_CostsAndExpensesAbstract.1259.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CostsAndExpensesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_CostsAndExpenses.7476.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CostsAndExpenses" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CostsAndExpensesAbstract.1259.12.9" xlink:to="loc_CostsAndExpenses.7476.12.9" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_EquityMethodInvesteeNameDomain.1871.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EquityMethodInvesteeNameDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_BankingSubsidiaryMember.36931.12.6" xlink:href="asrv-20131231.xsd#asrv_BankingSubsidiaryMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EquityMethodInvesteeNameDomain.1871.12.6" xlink:to="loc_BankingSubsidiaryMember.36931.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_NonBankingSubsidiariesMember.36932.12.6" xlink:href="asrv-20131231.xsd#asrv_NonBankingSubsidiariesMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EquityMethodInvesteeNameDomain.1871.12.6" xlink:to="loc_NonBankingSubsidiariesMember.36932.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_RevenueFromRelatedParties.16102.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenueFromRelatedParties" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RevenuesAbstract.4680.12.7" xlink:to="loc_RevenueFromRelatedParties.16102.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DividendIncomeOperating.8985.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendIncomeOperating" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RevenuesAbstract.4680.12.7" xlink:to="loc_DividendIncomeOperating.8985.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_RevenuesAbstract.4680.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenuesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_InterestAndDividendIncomeOperating.11661.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RevenuesAbstract.4680.12.8" xlink:to="loc_InterestAndDividendIncomeOperating.11661.12.8" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_RevenuesAbstract.4680.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RevenuesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_Revenues.16160.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Revenues" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RevenuesAbstract.4680.12.9" xlink:to="loc_Revenues.16160.12.9" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:presentationArc xlink:from="loc_ScheduleOfCondensedFinancialStatementsTable.4818.12.6" xlink:to="loc_LegalEntityAxis.136.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfCondensedFinancialStatementsTable.4818.12.6" xlink:to="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfCondensedFinancialStatementsTable.4818.12.6" xlink:to="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.12.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis.4820.12.6" xlink:to="loc_EquityMethodInvesteeNameDomain.1871.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="42403 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Statements of Cash Flows) (Details)" xlink:role="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationStatementsOfCashFlowsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_EntityDomain.99.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_EntityDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_ParentCompanyMember.3923.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ParentCompanyMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_EntityDomain.99.12.6" xlink:to="loc_ParentCompanyMember.3923.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_LegalEntityAxis.136.12.6" xlink:href="http://xbrl.sec.gov/dei/2013/dei-2013-01-31.xsd#dei_LegalEntityAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LegalEntityAxis.136.12.6" xlink:to="loc_EntityDomain.99.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ShareBasedCompensation.16900.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.7" xlink:to="loc_ShareBasedCompensation.16900.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_OtherOperatingActivitiesCashFlowStatement.13870.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_OtherOperatingActivitiesCashFlowStatement" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.7" xlink:to="loc_OtherOperatingActivitiesCashFlowStatement.13870.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_IncomeLossFromSubsidiariesNetOfTax.11103.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.52" xlink:to="loc_IncomeLossFromSubsidiariesNetOfTax.11103.12.52" order="1.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.7" xlink:to="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.7" xlink:to="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.7" xlink:to="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsPeriodIncreaseDecrease.6834.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.9" xlink:to="loc_CashAndCashEquivalentsPeriodIncreaseDecrease.6834.12.9" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsAtCarryingValue.6843.12.10" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.10" xlink:to="loc_CashAndCashEquivalentsAtCarryingValue.6843.12.10" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel" />
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_CashAndCashEquivalentsAtCarryingValue.6843.12.11" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.11" xlink:to="loc_CashAndCashEquivalentsAtCarryingValue.6843.12.11" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel" />
    <link:loc xlink:label="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.1150.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfCondensedFinancialStatementsTable.4818.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfCondensedFinancialStatementsTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.1150.12.6" xlink:to="loc_ScheduleOfCondensedFinancialStatementsTable.4818.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_PaymentsForRepurchaseOfCommonStock.14236.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.52" xlink:to="loc_PaymentsForRepurchaseOfCommonStock.14236.12.52" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_PaymentsForRepurchaseOfWarrants.14230.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsForRepurchaseOfWarrants" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.52" xlink:to="loc_PaymentsForRepurchaseOfWarrants.14230.12.52" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_PaymentsOfDividendsPreferredStockAndPreferenceStock.14313.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.52" xlink:to="loc_PaymentsOfDividendsPreferredStockAndPreferenceStock.14313.12.52" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.9" xlink:to="loc_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations.13240.12.9" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_PaymentsOfDividendsCommonStock.14340.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInFinancingActivitiesAbstract.3499.12.52" xlink:to="loc_PaymentsOfDividendsCommonStock.14340.12.52" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_PaymentsToAcquireAvailableForSaleSecurities.14334.12.52" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.52" xlink:to="loc_PaymentsToAcquireAvailableForSaleSecurities.14334.12.52" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel" />
    <link:loc xlink:label="loc_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.15068.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.7" xlink:to="loc_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities.15068.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInInvestingActivitiesAbstract.3520.12.9" xlink:to="loc_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations.13250.12.9" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_NetIncomeLoss.13265.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.12.7" xlink:to="loc_NetIncomeLoss.13265.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.12.7" xlink:to="loc_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract.502.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_NetCashProvidedByUsedInOperatingActivitiesAbstract.3521.12.9" xlink:to="loc_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations.13221.12.9" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:presentationArc xlink:from="loc_ScheduleOfCondensedFinancialStatementsTable.4818.12.6" xlink:to="loc_LegalEntityAxis.136.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfCondensedFinancialStatementsTable.4818.12.6" xlink:to="loc_CondensedFinancialStatementsCaptionsLineItems.1149.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="42404 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/ParentCompanyFinancialInformationNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.1150.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_AmountAvailableForDividendDistributionWithoutAffectingCapitalAdequacyRequirements.6005.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_AmountAvailableForDividendDistributionWithoutAffectingCapitalAdequacyRequirements" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.1150.12.7" xlink:to="loc_AmountAvailableForDividendDistributionWithoutAffectingCapitalAdequacyRequirements.6005.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1.8991.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract.1150.12.7" xlink:to="loc_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1.8991.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="42501 - Disclosure - SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Details)" xlink:role="http://ameriservfinancial.com/role/SelectedQuarterlyConsolidatedFinancialDataDetails" xlink:type="extended">
    <link:loc xlink:label="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_QuarterlyFinancialInformationDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_InterestAndDividendIncomeOperating.11661.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.7" xlink:to="loc_InterestAndDividendIncomeOperating.11661.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_InterestExpense.11654.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestExpense" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.7" xlink:to="loc_InterestExpense.11654.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_QuarterlyFinancialInformationDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_InterestIncomeExpenseAfterProvisionForLoanLoss.11739.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.9" xlink:to="loc_InterestIncomeExpenseAfterProvisionForLoanLoss.11739.12.9" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_NoninterestIncome.13366.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.7" xlink:to="loc_NoninterestIncome.13366.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_NoninterestExpense.13363.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpense" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.7" xlink:to="loc_NoninterestExpense.13363.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.9" xlink:to="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.12.9" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_QuarterlyFinancialInformationDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefit.11134.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.8" xlink:to="loc_IncomeTaxExpenseBenefit.11134.12.8" order="8.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_NetIncomeLoss.13265.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.9" xlink:to="loc_NetIncomeLoss.13265.12.9" order="9.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_EarningsPerShareBasic.9083.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.8" xlink:to="loc_EarningsPerShareBasic.9083.12.8" order="10.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_EarningsPerShareDiluted.9087.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.8" xlink:to="loc_EarningsPerShareDiluted.9087.12.8" order="11.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_CommonStockDividendsPerShareDeclared.7139.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommonStockDividendsPerShareDeclared" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.8" xlink:to="loc_CommonStockDividendsPerShareDeclared.7139.12.8" order="12.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_InterestIncomeExpenseNet.11727.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.9" xlink:to="loc_InterestIncomeExpenseNet.11727.12.9" order="2.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_ProvisionForLoanLeaseAndOtherLosses.15267.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_QuarterlyFinancialInformationDisclosureAbstract.4343.12.8" xlink:to="loc_ProvisionForLoanLeaseAndOtherLosses.15267.12.8" order="3.75000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="40201 - Disclosure - CASH AND DUE FROM DEPOSITORY INSTITUTIONS (Details)" xlink:role="http://ameriservfinancial.com/role/CashAndDueFromDepositoryInstitutionsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_CashAndCashEquivalentsAbstract.938.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CashAndCashEquivalentsAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_RestrictedCashAndCashEquivalents.15914.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CashAndCashEquivalentsAbstract.938.12.7" xlink:to="loc_RestrictedCashAndCashEquivalents.15914.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41601 - Disclosure - COMMITMENTS AND CONTINGENT LIABILITIES (Details)" xlink:role="http://ameriservfinancial.com/role/CommitmentsAndContingentLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:label="loc_CommitmentsAndContingenciesDisclosureAbstract.1079.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_LossContingenciesTable.3266.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingenciesTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_CommitmentsAndContingenciesDisclosureAbstract.1079.12.6" xlink:to="loc_LossContingenciesTable.3266.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_LossContingencyNatureDomain.3258.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyNatureDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_CommitmentsToExtendCreditMember.1080.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_CommitmentsToExtendCreditMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LossContingencyNatureDomain.3258.12.6" xlink:to="loc_CommitmentsToExtendCreditMember.1080.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_StandbyLettersOfCreditMember.5157.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StandbyLettersOfCreditMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LossContingencyNatureDomain.3258.12.6" xlink:to="loc_StandbyLettersOfCreditMember.5157.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_LossContingenciesByNatureOfContingencyAxis.3273.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingenciesByNatureOfContingencyAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LossContingenciesTable.3266.12.6" xlink:to="loc_LossContingenciesByNatureOfContingencyAxis.3273.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_LossContingenciesLineItems.3272.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingenciesLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LossContingenciesTable.3266.12.6" xlink:to="loc_LossContingenciesLineItems.3272.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LossContingenciesTable.3266.12.6" xlink:to="loc_RangeAxis.4365.12.6" order="1.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_LossContingenciesLineItems.3272.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingenciesLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_LossContingencyRangeOfPossibleLossMaximum.12848.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LossContingencyRangeOfPossibleLossMaximum" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LossContingenciesLineItems.3272.12.7" xlink:to="loc_LossContingencyRangeOfPossibleLossMaximum.12848.12.7" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_LossContingencyTermOfCommitment.37135.12.7" xlink:href="asrv-20131231.xsd#asrv_LossContingencyTermOfCommitment" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LossContingenciesLineItems.3272.12.7" xlink:to="loc_LossContingencyTermOfCommitment.37135.12.7" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_LoansAndLeasesReceivableCollateralForSecuredBorrowings.12557.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_LoansAndLeasesReceivableCollateralForSecuredBorrowings" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LossContingenciesLineItems.3272.12.7" xlink:to="loc_LoansAndLeasesReceivableCollateralForSecuredBorrowings.12557.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.9501.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_LossContingenciesLineItems.3272.12.7" xlink:to="loc_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability.9501.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:from="loc_LossContingenciesByNatureOfContingencyAxis.3273.12.6" xlink:to="loc_LossContingencyNatureDomain.3258.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeMember.4366.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeAxis.4365.12.6" xlink:to="loc_RangeMember.4366.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_MinimumMember.3382.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MinimumMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeMember.4366.12.6" xlink:to="loc_MinimumMember.3382.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_MaximumMember.3373.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaximumMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeMember.4366.12.6" xlink:to="loc_MaximumMember.3373.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="41702 - Disclosure - PREFERRED STOCK (Narrative) (Details)" xlink:role="http://ameriservfinancial.com/role/PreferredStockNarrativeDetails" xlink:type="extended">
    <link:loc xlink:label="loc_ClassOfStockLineItems.1018.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassOfStockLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_StockIssuedDuringPeriodSharesNewIssues.17271.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ClassOfStockLineItems.1018.12.8" xlink:to="loc_StockIssuedDuringPeriodSharesNewIssues.17271.12.8" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_StockIssuedDuringPeriodValueNewIssues.17285.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ClassOfStockLineItems.1018.12.8" xlink:to="loc_StockIssuedDuringPeriodValueNewIssues.17285.12.8" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_ClassOfStockLineItems.1018.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassOfStockLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_PreferredStockDividendRatePercentage.14679.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockDividendRatePercentage" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ClassOfStockLineItems.1018.12.7" xlink:to="loc_PreferredStockDividendRatePercentage.14679.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_StockRepurchasedDuringPeriodShares.17281.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StockRepurchasedDuringPeriodShares" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ClassOfStockLineItems.1018.12.7" xlink:to="loc_StockRepurchasedDuringPeriodShares.17281.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_PreferredStockLiquidationPreferenceValue.14706.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockLiquidationPreferenceValue" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ClassOfStockLineItems.1018.12.7" xlink:to="loc_PreferredStockLiquidationPreferenceValue.14706.12.7" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_PercentageOfLendingIncentiveFeePayable.36858.12.7" xlink:href="asrv-20131231.xsd#asrv_PercentageOfLendingIncentiveFeePayable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ClassOfStockLineItems.1018.12.7" xlink:to="loc_PercentageOfLendingIncentiveFeePayable.36858.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_MinimumPercentageTierOneCapitalToBeMaintained.37136.12.7" xlink:href="asrv-20131231.xsd#asrv_MinimumPercentageTierOneCapitalToBeMaintained" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ClassOfStockLineItems.1018.12.7" xlink:to="loc_MinimumPercentageTierOneCapitalToBeMaintained.37136.12.7" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_PreferredStockRedemptionPricePercentage.37137.12.7" xlink:href="asrv-20131231.xsd#asrv_PreferredStockRedemptionPricePercentage" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ClassOfStockLineItems.1018.12.7" xlink:to="loc_PreferredStockRedemptionPricePercentage.37137.12.7" order="8.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_ClassOfStockDomain.1024.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_SeriesEPreferredStockMember.5025.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SeriesEPreferredStockMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ClassOfStockDomain.1024.12.6" xlink:to="loc_SeriesEPreferredStockMember.5025.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract.4091.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract" xlink:type="locator" />
    <link:loc xlink:label="loc_ScheduleOfStockByClassTable.4895.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfStockByClassTable" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract.4091.12.6" xlink:to="loc_ScheduleOfStockByClassTable.4895.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_RangeAxis.4365.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeAxis" xlink:type="locator" />
    <link:loc xlink:label="loc_RangeMember.4366.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_RangeMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeAxis.4365.12.6" xlink:to="loc_RangeMember.4366.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_MinimumMember.3382.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MinimumMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeMember.4366.12.6" xlink:to="loc_MinimumMember.3382.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_MaximumMember.3373.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_MaximumMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_RangeMember.4366.12.6" xlink:to="loc_MaximumMember.3373.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_StatementClassOfStockAxis.5173.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfStockByClassTable.4895.12.6" xlink:to="loc_StatementClassOfStockAxis.5173.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_ClassOfStockLineItems.1018.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ClassOfStockLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfStockByClassTable.4895.12.6" xlink:to="loc_ClassOfStockLineItems.1018.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_ScheduleOfStockByClassTable.4895.12.6" xlink:to="loc_RangeAxis.4365.12.6" order="1.75000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_StatementClassOfStockAxis.5173.12.6" xlink:to="loc_ClassOfStockDomain.1024.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
  <link:presentationLink xlink:title="42201 - Disclosure - SEGMENT RESULTS (Details)" xlink:role="http://ameriservfinancial.com/role/SegmentResultsDetails" xlink:type="extended">
    <link:loc xlink:label="loc_ScheduleOfSegmentReportingInformationBySegmentTable.4885.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:type="locator" />
    <link:loc xlink:label="loc_StatementBusinessSegmentsAxis.5172.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfSegmentReportingInformationBySegmentTable.4885.12.6" xlink:to="loc_StatementBusinessSegmentsAxis.5172.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_SegmentReportingInformationLineItems.4975.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_ScheduleOfSegmentReportingInformationBySegmentTable.4885.12.6" xlink:to="loc_SegmentReportingInformationLineItems.4975.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_SegmentReportingInformationLineItems.4975.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_NoninterestIncome.13366.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestIncome" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SegmentReportingInformationLineItems.4975.12.7" xlink:to="loc_NoninterestIncome.13366.12.7" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_NoninterestExpense.13363.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NoninterestExpense" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SegmentReportingInformationLineItems.4975.12.7" xlink:to="loc_NoninterestExpense.13363.12.7" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_SegmentReportingInformationLineItems.4975.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SegmentReportingInformationLineItems.4975.12.9" xlink:to="loc_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments.11075.12.9" order="5.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_IncomeTaxExpenseBenefit.11134.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SegmentReportingInformationLineItems.4975.12.7" xlink:to="loc_IncomeTaxExpenseBenefit.11134.12.7" order="6.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_NetIncomeLoss.13265.12.9" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_NetIncomeLoss" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SegmentReportingInformationLineItems.4975.12.9" xlink:to="loc_NetIncomeLoss.13265.12.9" order="7.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" />
    <link:loc xlink:label="loc_Assets.6057.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_Assets" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SegmentReportingInformationLineItems.4975.12.7" xlink:to="loc_Assets.6057.12.7" order="8.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_InterestIncomeExpenseNet.11727.12.7" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SegmentReportingInformationLineItems.4975.12.7" xlink:to="loc_InterestIncomeExpenseNet.11727.12.7" order="1.50000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:label="loc_SegmentReportingInformationLineItems.4975.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:type="locator" />
    <link:loc xlink:label="loc_ProvisionForLoanLeaseAndOtherLosses.15267.12.8" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SegmentReportingInformationLineItems.4975.12.8" xlink:to="loc_ProvisionForLoanLeaseAndOtherLosses.15267.12.8" order="2.75000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:loc xlink:label="loc_SegmentDomain.4981.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentDomain" xlink:type="locator" />
    <link:loc xlink:label="loc_RetailBankingMember.36870.12.6" xlink:href="asrv-20131231.xsd#asrv_RetailBankingMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SegmentDomain.4981.12.6" xlink:to="loc_RetailBankingMember.36870.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_CommercialBankingMember.36783.12.6" xlink:href="asrv-20131231.xsd#asrv_CommercialBankingMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SegmentDomain.4981.12.6" xlink:to="loc_CommercialBankingMember.36783.12.6" order="2.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_TrustMember.36884.12.6" xlink:href="asrv-20131231.xsd#asrv_TrustMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SegmentDomain.4981.12.6" xlink:to="loc_TrustMember.36884.12.6" order="3.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_InvestmentParentMember.37283.12.6" xlink:href="asrv-20131231.xsd#asrv_InvestmentParentMember" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SegmentDomain.4981.12.6" xlink:to="loc_InvestmentParentMember.37283.12.6" order="4.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:loc xlink:label="loc_SegmentReportingAbstract.4989.12.6" xlink:href="http://xbrl.fasb.org/us-gaap/2013/elts/us-gaap-2013-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:type="locator" />
    <link:presentationArc xlink:from="loc_SegmentReportingAbstract.4989.12.6" xlink:to="loc_ScheduleOfSegmentReportingInformationBySegmentTable.4885.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
    <link:presentationArc xlink:from="loc_StatementBusinessSegmentsAxis.5172.12.6" xlink:to="loc_SegmentDomain.4981.12.6" order="1.00000" priority="0" use="optional" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:type="arc" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>14
<FILENAME>line.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 line.gif
K1TE&.#EA`0`!`(```````/___R'Y!```````+``````!``$```("1`$`.S\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>15
<FILENAME>spacer.gif
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 spacer.gif
K1TE&.#EA`0`!`(```````````"'Y!`$`````+``````!``$```("1`$`.S\_
`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>16
<FILENAME>R39.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E1AAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract', window );"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock', window );">Schedule of Non-performing Assets Including TDR</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS, EXCEPT PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-accrual loans:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,632</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,623</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,239</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,191</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>2,871</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 5,814</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other real estate owned:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>344</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,101</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>673</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 127</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,017</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,228</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total restructured loans not in non-accrual (TDR)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>221</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 182</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total non-performing assets including TDR</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>4,109</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 7,224</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.52%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock', window );">Schedule of TDRs</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table details the TDRs at December 31, 2013 (dollars in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> Loans in non-accrual status</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"># of Loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Current Balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Concession Granted</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loan secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">2</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,250</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Extension of maturity date</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> Loans in accrual status</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"># of Loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Current Balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Concession Granted</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loan secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">2</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">161</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Extension of maturity date</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">2</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">61</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Extension of maturity date</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table details the TDRs at December 31, 2012 (dollars in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> Loans in non-accrual status</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"># of Loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Current Balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Concession Granted</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loan secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">4</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,772</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Extension of maturity date</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> Loans in accrual status</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"># of Loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Current Balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Concession Granted</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loan secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">2</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">169</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Extension of maturity date</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">1</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Extension of maturity date</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table details the TDRs at December 31, 2011 (dollars in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> Loans in accrual status</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"># of Loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Current Balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Concession Granted</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loan secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">5</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,870</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Extension of maturity date</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock', window );">Schedule of Recorded Investment of Defaults</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">Year ended December 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> <u>Recorded investment of defaults</u><br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Commercial loan secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,480</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 595</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,312</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 30pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,480</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 595</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,312</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock', window );">Schedule of Interest Income</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest income due in accordance with original terms</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>178</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">231</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">376</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest income recorded</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (167</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net reduction in interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>178</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 231</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 209</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of non-performing assets including trouble debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ScheduleOfNonperformingAssetsIncludingTroubleDebtRestructuringsTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of recorded investment in loans as trouble debt restructuring.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ScheduleOfRecordedInvestmentInLoansAsTroubleDebtRestructuringTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5111-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of financing receivables and troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 34<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953682-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953676-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>17
<FILENAME>R112.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E6PAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>STOCK COMPENSATION PLANS (Narrative) (Details) (USD $)<br>In Thousands, except Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>STOCK COMPENSATION PLANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllocatedShareBasedCompensationExpense', window );">Pretax compensation expense</a></td>
        <td class="nump">$ 82<span></span></td>
        <td class="nump">$ 38<span></span></td>
        <td class="nump">$ 15<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized', window );">Common stock reserved for issuances</a></td>
        <td class="nump">800,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent', window );">Option price as a percentage of fair market value per share of common stock on the Grant Date</a></td>
        <td class="nump">100.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod', window );">Maximum contractual term</a></td>
        <td class="text">10 years<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Vesting period</a></td>
        <td class="text">3 years<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems', window );"><strong>Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions', window );">Number of options outstanding</a></td>
        <td class="nump">398,371<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Range One [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems', window );"><strong>Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions', window );">Number of options outstanding and exercisable</a></td>
        <td class="nump">257,253<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit', window );">Exercise price, minimum</a></td>
        <td class="nump">$ 1.53<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit', window );">Exercise price, maximum</a></td>
        <td class="nump">$ 5.75<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1', window );">Weighted average exercise price of options outstanding and exercisable</a></td>
        <td class="nump">$ 2.25<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2', window );">Weighted average remaining contractual life of options outstanding and exercisable</a></td>
        <td class="text">6 years 4 months 28 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Range Two [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems', window );"><strong>Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions', window );">Number of options outstanding and exercisable</a></td>
        <td class="nump">230,096<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit', window );">Exercise price, minimum</a></td>
        <td class="nump">$ 1.92<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit', window );">Exercise price, maximum</a></td>
        <td class="nump">$ 3.23<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1', window );">Weighted average exercise price of options outstanding</a></td>
        <td class="nump">$ 2.90<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2', window );">Weighted average remaining contractual life of options outstanding</a></td>
        <td class="text">8 years 9 months 18 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllocatedShareBasedCompensationExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the expense recognized during the period arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 14.F)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27013229&amp;loc=d3e301413-122809<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (h)(1)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 14<br><br> -Section F<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllocatedShareBasedCompensationExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Period which an employee's right to exercise an award is no longer contingent on satisfaction of either a service condition, market condition or a performance condition, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Period from grant date that an equity-based award expires, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The maximum number of shares (or other type of equity) originally approved (usually by shareholders and board of directors), net of any subsequent amendments and adjustments, for awards under the equity-based compensation plan. As stock or unit options and equity instruments other than options are awarded to participants, the shares or units remain authorized and become reserved for issuance under outstanding awards (not necessarily vested).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Purchase price of common stock expressed as a percentage of its fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average exercise price as of the balance sheet date for those equity-based payment arrangements exercisable and outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average remaining contractual term of exercisable stock options, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (e)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The floor of a customized range of exercise prices for purposes of disclosing shares potentially issuable under outstanding stock option awards on all stock option plans and other required information pertaining to awards in the customized range.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of shares reserved for issuance pertaining to the outstanding exercisable stock options as of the balance sheet date in the customized range of exercise prices for which the market and performance vesting condition has been satisfied.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of shares reserved for issuance pertaining to the outstanding stock options as of the balance sheet date for all option plans in the customized range of exercise prices.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(i)-(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average price as of the balance sheet date at which grantees could acquire the underlying shares with respect to all outstanding stock options which are in the customized range of exercise prices.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(i)-(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average remaining contractual term of outstanding stock options, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (e)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The ceiling of a customized range of exercise prices for purposes of disclosing shares potentially issuable under outstanding stock option awards on all stock option plans and other required information pertaining to awards in the customized range.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>18
<FILENAME>R54.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>REGULATORY CAPITAL (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RegulatoryCapitalRequirementsAbstract', window );"><strong>REGULATORY CAPITAL [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">Summarized Regulatory Capital Ratio</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23">AS OF DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">ACTUAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">FOR CAPITAL ADEQUACY<br /> PURPOSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATIO</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATIO</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATIO</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23">(IN THOUSANDS, EXCEPT RATIOS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total Capital (To Risk Weighted Assets)<br /> Consolidated</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>128,469</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>15.28%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>67,247</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8.00%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>84,059</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>10.00%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> AmeriServ Financial Bank</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>103,009</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>12.39</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>66,506</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>83,132</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>10.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Tier 1 Capital (To Risk Weighted Assets)<br /> Consolidated</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>117,957</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>14.03</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>33,624</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>50,435</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> AmeriServ Financial Bank</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>92,611</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>11.14</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>33,253</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>49,879</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Tier 1 Capital (To Average Assets)<br /> Consolidated</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>117,957</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>11.45</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>41,204</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>51,505</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>5.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> AmeriServ Financial Bank</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>92,611</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>9.23</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>40,124</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>50,155</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>5.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23">AS OF DECEMBER 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">ACTUAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">FOR CAPITAL ADEQUACY<br /> PURPOSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATIO</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATIO</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATIO</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23">(IN THOUSANDS, EXCEPT RATIOS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total Capital (To Risk Weighted Assets)<br /> Consolidated</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 122,583</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 15.92</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 61,588</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 76,985</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 10.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> AmeriServ Financial Bank</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 101,786</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 13.34</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 61,060</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 76,325</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 10.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Tier 1 Capital (To Risk Weighted Assets)<br /> Consolidated</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 112,916</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 14.67</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 30,794</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 46,191</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> AmeriServ Financial Bank</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 92,200</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 12.08</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 30,530</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 45,795</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Tier 1 Capital (To Average Assets)<br /> Consolidated</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 112,916</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 11.44</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 39,474</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 49,343</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> AmeriServ Financial Bank</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 92,200</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9.55</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 38,616</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 48,269</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RegulatoryCapitalRequirementsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RegulatoryCapitalRequirementsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958570-112826<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1G<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958577-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>19
<FILENAME>R48.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>LEASE COMMITMENTS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeasesOperatingAbstract', window );"><strong>LEASE COMMITMENTS Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock', window );">Schedule of Future Minimum Payments on Operating Leases</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> YEAR:</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FUTURE MINIMUM LEASE PAYMENTS</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2014</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">712</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2015</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">682</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2016</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">625</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2017</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">511</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2018</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">366</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2019 and thereafter</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,931</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeasesOperatingAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LeasesOperatingAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of future minimum payments required in the aggregate and for each of the five succeeding fiscal years for operating leases having initial or remaining noncancelable lease terms in excess of one year and the total minimum rentals to be received in the future under noncancelable subleases as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>20
<FILENAME>R121.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EDNBG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>PARENT COMPANY FINANCIAL INFORMATION (Balance Sheets) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and due from depository institutions</a></td>
        <td class="nump">$ 20,288<span></span></td>
        <td class="nump">$ 17,808<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherShortTermInvestments', window );">Short-term investments in money market funds</a></td>
        <td class="nump">6,811<span></span></td>
        <td class="nump">7,282<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Investment securities available for sale</a></td>
        <td class="nump">141,978<span></span></td>
        <td class="nump">151,538<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump">7,478<span></span></td>
        <td class="nump">6,940<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">TOTAL ASSETS</a></td>
        <td class="nump">1,056,036<span></span></td>
        <td class="nump">1,000,991<span></span></td>
        <td class="nump">979,076<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedNotes', window );">Guaranteed junior subordinated deferrable interest debentures</a></td>
        <td class="nump">13,085<span></span></td>
        <td class="nump">13,085<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump">8,567<span></span></td>
        <td class="nump">13,044<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">TOTAL LIABILITIES</a></td>
        <td class="nump">942,729<span></span></td>
        <td class="nump">890,523<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>STOCKHOLDERS' EQUITY</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total stockholders' equity</a></td>
        <td class="nump">113,307<span></span></td>
        <td class="nump">110,468<span></span></td>
        <td class="nump">112,352<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY</a></td>
        <td class="nump">1,056,036<span></span></td>
        <td class="nump">1,000,991<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Parent Company [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and due from depository institutions</a></td>
        <td class="nump">100<span></span></td>
        <td class="nump">100<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherShortTermInvestments', window );">Short-term investments in money market funds</a></td>
        <td class="nump">6,561<span></span></td>
        <td class="nump">6,085<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Investment securities available for sale</a></td>
        <td class="nump">11,909<span></span></td>
        <td class="nump">10,534<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredFinanceCostsNet', window );">Guaranteed junior subordinated deferrable interest debenture issuance costs</a></td>
        <td class="nump">224<span></span></td>
        <td class="nump">240<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump">4,352<span></span></td>
        <td class="nump">2,713<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">TOTAL ASSETS</a></td>
        <td class="nump">127,717<span></span></td>
        <td class="nump">123,810<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedNotes', window );">Guaranteed junior subordinated deferrable interest debentures</a></td>
        <td class="nump">13,085<span></span></td>
        <td class="nump">13,085<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump">1,325<span></span></td>
        <td class="nump">257<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">TOTAL LIABILITIES</a></td>
        <td class="nump">14,410<span></span></td>
        <td class="nump">13,342<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>STOCKHOLDERS' EQUITY</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total stockholders' equity</a></td>
        <td class="nump">113,307<span></span></td>
        <td class="nump">110,468<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY</a></td>
        <td class="nump">127,717<span></span></td>
        <td class="nump">123,810<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Parent Company [Member] | Banking Subsidiary [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquityMethodInvestments', window );">Equity investment</a></td>
        <td class="nump">99,250<span></span></td>
        <td class="nump">99,121<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Parent Company [Member] | Non-Banking Subsidiaries [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquityMethodInvestments', window );">Equity investment</a></td>
        <td class="nump">$ 5,321<span></span></td>
        <td class="nump">$ 5,017<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 18<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Assets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AssetsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 1, 2, 3<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndDueFromBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredFinanceCostsNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, the carrying amount (net of accumulated amortization) as of the balance sheet date of capitalized costs associated with the issuance of debt instruments (for example, legal, accounting, underwriting, printing, and registration costs) that will be charged against earnings over the life of the debt instruments to which such costs pertain.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6451184&amp;loc=d3e28555-108399<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.17)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 17<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredFinanceCostsNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the carrying amount on the entity's balance sheet of its investment in common stock of an equity method investee. This is not an indicator of the fair value of the investment, rather it is the initial cost adjusted for the entity's share of earnings and losses of the investee, adjusted for any distributions (dividends) and other than temporary impairment (OTTI) losses recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 323<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=16385135&amp;loc=d3e33749-111570<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EquityMethodInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_JuniorSubordinatedNotes">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including the current and noncurrent portions, carrying value as of the balance sheet date of long-term debt (with maturities initially due after one year or beyond the operating cycle if longer) identified as Junior Subordinated Notes, which have a lower priority than senior instruments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.16(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 20, 22<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13, 16<br><br> -Article 9<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX210.5-02.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_JuniorSubordinatedNotes</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19-26)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Liabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.32)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 25<br><br> -Article 7<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 32<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAndStockholdersEquity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.17)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 17<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 10<br><br> -Article 7<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 15<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.15)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherShortTermInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Other investments not otherwise specified in the taxonomy that will be realized in a short period of time, usually less than one year or the normal operating cycle, whichever is longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.8)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.1(g))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 5<br><br> -Article 9<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 1<br><br> -Subparagraph g<br><br> -Article 7<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherShortTermInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 4.E)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 4<br><br> -Section E<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29-31)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockholdersEquity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockholdersEquityAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>21
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
M4$L#!!0`!@`(````(0"5%,)?_0(``/Y&```3``@"6T-O;G1E;G1?5'EP97-=
M+GAM;""B!`(HH``"````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M``````````````````````````````````````#,W,M.VT`4QO%]I;Z#Y6V5
M>([OK@@L>EFV2*4/,+4GQ,(W>08*;]^)N0BA%(2*U/^&B,2>\\6+G[+YSM')
M==\%5V:V[3AL0EFK,#!#/3;M<+X)?YY]795A8)T>&MV-@]F$-\:&)\?OWQV=
MW4S&!O[NP6["G7/3QRBR]<[TVJ['R0S^D^TX]]KY?^?S:-+UA3XW4:Q4'M7C
MX,S@5FY_1GA\]-EL]67G@B_7_NW;)+/I;!A\NKUP/VL3ZFGJVEH[GS2Z&IHG
M4U9W$];^SN4:NVLG^\''"*.#$_:?_'W`W7W?_:.9V\8$IWIVWW3O8T377?1[
MG"]^C>/%^OE##J0<M]NV-LU87_;^":SM-!O=V)TQKN_6R^NZU^UPG_N9^<O%
M-EI>Y(V#[+_?<O`K<\20'`DD1PK)D4%RY)`<!21'"<E107*(H@2AB"H44H5B
MJE!0%8JJ0F%5**X*!5:AR!I39(TILL8466.*K#%%UI@B:TR1-:;(&E-DC2FR
M)A19$XJL"476A")K0I$UH<B:4&1-*+(F%%D3BJPI1=:4(FM*D36ER)I29$TI
MLJ8465.*K"E%UI0B:T:1-:/(FE%DS2BR9A19,XJL&476C")K1I$UH\B:4V3-
M*;+F%%ESBJPY1=:<(FM.D36GR)I39,TILA8460N*K`5%UH(B:T&1M:#(6E!D
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M[WIY_<`GNU7,?IM,8YH#LZ-E>\WQ'P```/__`P!02P,$%``&``@````A`+55
M,"/U````3`(```L`"`)?<F5L<R\N<F5L<R"B!`(HH``"````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M``````",DL].PS`,QN](O$/D^^IN2`BAI;M,2+LA5![`).X?M8VC)$#W]H0#
M@DICV]'VY\\_6][NYFE4'QQB+T[#NBA!L3-B>]=J>*V?5@^@8B)G:13'&HX<
M85?=WFQ?>*24FV+7^ZBRBXL:NI3\(V(T'4\4"_'L<J61,%'*86C1DQFH9=R4
MY3V&OQY0+3S5P6H(!WL'JC[Z//FRMS1-;W@OYGUBETZ,0)X3.\MVY4-F"ZG/
MVZB:0LM)@Q7SG-,1R?LB8P.>)MI<3_3_MCAQ(DN)T$C@\SS?BG-`Z^N!+I]H
MJ?B]SCSBIX3A363X8<'%#U1?````__\#`%!+`P04``8`"````"$`_48P_PX$
M```H2```&@`(`7AL+U]R96QS+W=O<FMB;V]K+GAM;"YR96QS(*($`2B@``$`
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````Q)S+;AM'$$7W`?P/Q.RM
MZ>IW!Z:\"0)X&SL?0)`C4;!$$IS)0W^?AF!0%N"<;(B;C0"2T%2ANNK<[DNU
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MZ31U.HW2,5./5H^(":G);$QFIYYU<SCLIB:S(9F#NGT"=D]0KU;`Q4IJ,B<D
M<U*3.2&9BYK,!<E<U&0N3&:G'BUS.%OFU=W<(Z)4^*OV\[S?G*?=Y^7<3RES
M%^EO._DW;U,Z22SLB9)I_<@EW80UA^FHB].P.EX]6AXGRZM5RZ-J1?6<1QSS
M>-4IOQS,7R?\\M:WLWI$U<IJU<JH6EFM6IE5R]3-8X;=8Z9NGQZ14%C59*Y(
MYJHF<T4RZX^C2&:]+X=D#NKA"CA;03U:`2<KJ5&8&(5.O5KF<+G,J=>K1R04
MFE=K:8]("25U/@G3*6JI*"@512T5!:6BJ9VPADY84QN7C8U+\?D/:Z,N#59&
M;F.PBW%=$^-REOGWXXU')D>UB$8645,CV0R9;*8N4(](FA75!8I8GZS6K(R:
ME=6:E5&SJEJS*G*YJL%<D<QZ[X#WR_+M,I(YJ,$3D#OFU/GTB`3"H`9A0!`F
M-0@3@C"I09@0A$5-GH+D:6H'OJ'/8T[=RSTBS99Y=3?WB)R0NI_-<T.+SUO8
M/T6]S2BXS6CJK]L:FKKJ;#@9M8IZ%%&Y(\>&7%1C)R)UHAHZ$9F3U2*:442K
M6D0K0M!,W3P](FJ6J=O'C/M'+1,99:*JP5R1S'JC!\FL-\)P1QC4PQ5PMH)Z
MM`).5E*3.2&9BYK,A<GLU,UC#KO'G+I]>D24BNM>4%KZS:GI]1N!EY?CRT\&
MLOA,@_974HM5PMH4M5@5%*NF_EN#AM9I4UNG#7O'Y/?9>D2:;_5JX6)Y-?S8
M28EJ[8RHG5FMG9FUT]3E,;XA)7<&V1B,:IF(..A9+1,99:*JP5.1/%4M$Y5E
MXG^X7(?=HS<,<%<:U.@)2.:D)G-B,CMU><QA?>RZ]TKFY?FQ_Y^&UXM1+Z]I
MEZ,WX/"4%]32$'"XDUH:$DI#44M#06DH:FDH*`U-_85L0_>MJ;\U:NQ-.O5H
MF</9,OD-OQZ14*AN'^X>L:]SZ9WQS?_WN?T'``#__P,`4$L#!!0`!@`(````
M(0"'%#V920@``(DD```/````>&PO=V]R:V)O;VLN>&ULE)I=<]K($H;O3]7Y
M#Q3WNT;B.Q5G2X;!J`Y(K"2<S95*:^18M1BYA+Q._OUI"5MY>UI,X9LX`\RK
M[IZGNX<9/O_QXVG?^3<MCEE^N.Y:O_>ZG?1PG^^RP_?K[C9:_#;I=HYE<M@E
M^_R07G=_IL?N'U_^^Y_/KWGQS]]Y_D^'!`['Z^YC63Y_NKHZWC^F3\GQ]_PY
M/=`[#WGQE)0T++Y?'9^+--D='].T?-I?V;W>Z.HIR0[=D\*GXA*-_.$ANT_G
M^?W+4WHH3R)%ND]*,O_XF#T?NU\^/V3[].[D42=Y?O:2)[+[Q[[;V2?'4NVR
M,MU==X<TS%]3]D+Q\GSSDNWIW6F_U^]>?6F<W!2=7?J0O.S+B-Q[5Z=XV0/;
M'E6?K$)QEZ6OQU^3JF'GQ]?LL,M?JX]2:'\VHSX9\%J_]37;E8_T?J_7:UY;
MIMGWQ_+]19*_`OTZ@O2<^F_G4+OW'I&85BI6AS(K?\;NX13]+*<EK*+NDF=6
MMU-\RN@_A;NS*L-19>9[H;]RYTZDYO&-LW*\F8K#I5)1B!+D\2\1^P,B\29A
M.F/0J>-]UI@P(IO6RHO"V%_$_D:!S@!4!D9KN,K,7X,*Q;X)S/`C*DL'5"R;
M\J71J<FXT*?9TJ&U:=8)0S/^B#D.+A4:,]%5PNUZ[03?JH"&[JWG+MR9XT6Q
M,YOY6R\"6RQ["DY-=9V9$RYCQYO'\ZV*%X&_CN=JXX=NY).XBSI]2H$F.%9/
M%W*].Q5&U2K'H9IM`S=R%7IC]1F]`M^5[WC\\S8^3Y#JK%;^UYKQA1_$U6SZ
M)PRU9_910U#J^=Y&!31_[7JWL4.S"5'7FZVV<WJ!.8^<6@+43:#6+CV[CJ3Z
M<^MNJD`P`434$HR^!9T'`#/5$CB&2S^((A6LXQL_"/RO9#&?CA1:`D-G?E=%
M+SPM^D+-5>"LXJ6_5E4PF>D(HB5(G+OAC"*_#2KW;_QM%"\<-XCOG!41A4EJ
M]9%$2Z!H%/+1H@&B2*59JX2T@I4;D?,7IV&`!-J"0+7>K/QO2L4WRE,+-XHW
M5$-92`>(I"V07"DG5#$]>^W6B<#G]@%%6Z`(LVJ(J)I'M*)5.JU<MAP#1-%N
M0W&A@H!Z0!CYL_^QL"&#MF"P_GQE_D9YH1.YOM<2`63RU#RQ1%+YV:ZWJ[H%
M^=%2!;5<H):DZ-XQ6Y!.6]#I>I'CW;HW*_66EFPN`DDU6UM^(MF](_OO5+Q4
M\]LJM5TOC()MW8*8$`))=5(3"M5M7<^([.V*=]$A$DB549L9J-LJ"E4-G3D;
M-W)6^-@A<DAE49N\<8)JV:N%<+QO\<+U*%%=2D[7HU+%A)#'ON`Q5"LUJW8#
M?VZ=@"K%BJSYM4E@0@AG7\!I;C;D3=/YK"'2V1=TFI7('5!"6FG'I46IM=_$
M4?+WGC:Y*(/$]D45K=M.VS3DLR_X/-M]:BGV?(2U+V`UMR`>6J25:JD6D/8>
MU.+:"-FE4JKIO+>BMID(+E53;69;1VI306JII&HJYL;$(C)";`<"6V-#67,E
MQ)8JK&:34<GG2HCMH`5;RNNWWM06&Z1U(&AM;U%M.HCO0.`K.E6;!(([$.`2
M;MAGV@20UX'@]5R[.2EA"HT16*J\VN*8FPY;G#&-FCTLE6%-R=PYN!)"/!00
M:ZVC)3IC9'<HV)4=I$T#J:7*J[EC;B3<':1V**@U=Q*NA`0/!<'F!D`Q:1K`
M$!&F@>:<68@"\TL(01X*D,U"%)=&R!HSDP31YN]2/$IH$Q5DS;GVYA;>/Z:[
MEWW*3,(D&PFBS4+,I`EFV4@0;59BG7M"NDV648V^R#DO*0HZ"?H7G!LAWC30
M=$ZM.WQY>DJ*GW'^$*_RY!!O\J)\R/<9Z%@33-:1H/LD1`94ST_C>5HFV9YM
M(B:8K",!]?G=0)#OZ>RJ(6B$`-%`\^B\3N4EZ%@3%AK!M$&(&&)"F/@C@?1Y
M(8?.'4&(U6@:7.Q9M6B@8TVP?E"]OEAHDQ8/3`AC/18\G_=L1D>-3`ASE<KV
MQ1952(/0&->,!IJ.>2?($PR3?BQX-BMAC1VS8`NNS4)88UEEI,&'?,,:.V;!
M%F";+2)OFE0;LQ@)L,_LEF7NL[)(`\VS9K?\7IRK0G23[)/#?7J,P1YKBO65
M2N0E0NZA3`LZYT8A5LQH<(E.8Q"K^%.LTU3B+E%:)^5+D949*R)3K*]4FC2A
MUN\%+9'&4C015)N_%[#\F&*YIH*BV6-6PORPIIBS$\&U\7O!FMO$O!-@FY6X
M39BT$T&V60F3UIIBB20^M3@9E7SN':8M<:4IX8E<C)FB?M!5$V0)(XD&E^H$
MZ7W.=)``PN%2G7GZP-J:-<4R0C1<*C1[3`[?T3%<_JF`FP7H?2O4MA69XN+3
M0+/GS!?$-T6TARV]`/N,SMO2H0Y;>(&U60>K$5TIPJZ1PGZ99V\6(8QV#^L:
M7<U]3(KEFB8EP#;[QY*M1S8VNV*+1A]RD/!I6IM%]YLH)?`V6X5=TNIA@:M&
M'[**(`*K$'&+[D,_)$4<-5*V%JM+,7^#@5(6I'BL!.GR*$1V)JN'E%<CS37S
MZ3W'G`=<<*Z?JV"UW!3,,Q9O>2.G*_&R`DJ6Q1*&1II[9X]J:DFFQ""W!.1G
ME6HWF1);-TLP;E;"D%MT7P?I(F_OS`=(6%HLNKE#*<&X68J5%KK10RG!N+@"
M:?EB:O>XB*#;?*+%76.,RWL^_4BK)4WH3@]=$FRW'&I)%;N'K:GZY85&H_E8
M"WVR>=[**S^S%%LNNNX#W^3EGUF*=0*Z_4,I@;99"CN!W6,1E[>!YH,[C)5%
M%X)H58WV55U'Z><J]\G^GGY'4_VI?HA2K\G5^Z^(OOP?``#__P,`4$L#!!0`
M!@`(````(0#"\]`EN@@``"@J```8````>&PO=V]R:W-H965T<R]S:&5E=#0N
M>&ULG%K;;NNZ$7TOT'\P_)Y8O.@6)#DX%+';`[1`4?3R[-A*8FS;"BQG9^^_
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M^S&7BW+A/#T_KC<N`I_VV:%^?9K_+AYLJN:+Y\<N0?_9U%]M]/>L?6^^_G+8
MK/^VV=<NVVZ<_`B\-,UW#_UC[?_E'E[TGO[6C<`_#K-U_;K\W![_V7S]M=Z\
MO1_=<*<N(A_8P_J7K=N5RZAS<R]3[VG5;!T!]W.VV_C2<!E9_NQ^?VW6Q_>G
MN<KNTSQ1PL%G+W5[_+;Q+N>SU6=[;';_!9!`5^!$HA/MV*-=WLLB%6EVV\L"
M&'4!VN5Q^?QX:+YFKFK<.]N/I:]!\>`\GR(#'N=8KX7J8O1.?O=>.E\NBM:-
MSX_G,GE<_'`I72'$`,3-B#-$4$1U0OC\>:\V^L?"T3US=IG@G)4;T\NC<:+H
M'V(4&0'3ATA&L8]0BD)L'U(&+R0,1<,8IN_!KFRB])7LS08@;A#/&<XHM^HF
MP@XA"'GWFG@,ALE[\-/<9>;,K-24F@%(WM6.2I.,!5<1N\[3D%.H%6)/,Q7*
MC]!VTVT\;0]FM%-&&R"ZHYWFU%C%1AZ0)<;R_"1AFTUAZ\&4K6+C;P`";)FM
MBFTB9`^R&QNO<,TI5]](;D]*_Q#CS))H``*<BW.:.EI5;!/,:&/C%<Y>GZ/F
M-US$'DRYEBR'!B"N%,]UGK*"J6Y#[`GBVVC(!BF,<@IQ#Z:M0X5\=(DT`(F)
ML]"JFP@[A"#DA>O5X]/>H6G>-2M/@Y@,ND>>L,9>$;O.%&L^EMC30EW)NO""
M-+I>.C0E7@;'D'?$8/](6`E7Q*QYV)::D]`R:;J](HUG#?I%>C6C901@,-VE
MTN'-,"\9H!0L;DL`6I19&!'*W>O1>.Z@7N[G>?Z5O-+%D,(A^YL0.^B%1N"%
M:7P$(&-Q]D72JW8`0?I3$>4.^<?V+$VX5(K87B@56A1E[A5J/'/0LYAYQJ:A
M\4MFUXF@VC7O,,0JV+.66,.CE+&7J8CQ.`T2(&Z$.4N900PP%WSQ41%ST:,>
MJZ>483@I>:]7T\F#RA'R;#8:`1BH%R$B`E@OPW9[_7D:@->M*(!A-16@<C%Q
MP?NV01`PSW3!AJ4B]CP7H8MTD5EB+[-H9"AS+UWCF8/04>:,F1$`PA8I"SX7
M*@:04?=&[M2#+,*P$O)RDIIV:"I*@K_:(`C(WXE>!ZH0`-/A+L]#!P'NU(%*
M(P#ES@1UW(25L"^D`\"&WB`(!T"5O0&@`%GF3.4L!:1%&@`T"$=D?/5(CZ:K
M,9&P_!D$N3Y]%K+0\F#2WH;800@-P2O>Z`D@01]I_AD_@R"<NKT50$7MJ>0K
M!&H7^;7J]UHVGCDH'V7.WFPD@*"XBY*-347,N>;-GIK34)8TX9.TU1_OL*V'
MX&M%@R!(N#.SA4]%[4*QCF71CF&+8*;$_R^)E7V)%0DC:!`$!&02,H<%'ZMH
M1`\[3FR]4U?G*A/988V2?7%US9#N00V"(.\R+E3D':NK%+R>+'U>1@5%$S])
M765?7=,><<!`OLLR=#?D'9N+WO$%O@'+I0BSA+*>I*SR@K+RA:!!$#9VG?5X
M$]W44>/`2B'V)+M2Z/[L8GQCZ=!,5GF-&@3A#$USS4N<`G3)]U66`E2:A3E$
MTJZ8K@Z7>8=FDB1"O^W29A`T)$FW(7800D.8I*H*5)4T=KX:-`C"F9H*$8H6
M2IX"M)9L@"P%R$P$U:/D)^FINJ"GG)M!$)(OHR,*Y`Y.T%[P3:-EST=VRGR2
MGJH+>AKE!"L'0%CV[OL*VD`K=(+VG&]G+;5GQ;6<3Y)4=4%2^2F%01`PTXJO
M42IB5T7..JSE]E!O-.=,4V_,U@M:RL\^C8KEL.":55%S=%;>C9BEYJL)GZ2E
MZI*6AO:%I1)KI=`96YI5Z`1+1?-C3$OM*K_6VR=IJ>IK:6\/;1`$<IAQT:J(
M64<:CPF'5V!<2@5-HX7"U'3<=DE=4%7))J%!4-S>>T?7(S#VC/&'US(ZL22!
MZ$GBVJ&9N,HPM%`Z"((4IKTM547M26]90.TB:OV4^21EU1=VJI(K*X*PRTC)
M`14%)%FO?!@@B<2!DI^DJ?J"ID9IP;0#",CG_1,:=()V6?`62>REBKXUILPG
M":J^(*@R-%]D3@13]O9+Z`28RWA=#G.6VHLT#"ME/DE0]05!E4'PD'DLJ*G@
MWP-7Z`28ITFO2Q)[EEZM%B:HX[J-OB"L7#@-@DY;/28#%3$7,G1#S#R\`N(3
MZMK>0S-9'<G_@KQR!J9S_32';ZMU6;!U8D7MDLN!)79W@2,T,UH[DQ16@WBZ
MLCX?&@G)4FL0%/=Y5E[5;8@=A-`0)DFMOB"U?'5B$%1V7_:Y"S<]_N#D;&=2
M9_GS8?`H<R:VPZLR?4%D%7NS01`6;E'J,.Y=95<4X`ZL6=.R!.#J*JH\0CZ=
M)+`=FFT`^?F00=!0Y=R&V$$(#6&2TJ87E+97.0@Z5P:O'&YGXV>Y_4KEI)-D
MMD.SU4VO<A"$E5,F_!OLB@%RS9;.E@"D6\"&TJ)IGZ2T[M)=[V22WX@R"#JE
MG7_=4*$=NBE?(%PQ`F>XL`?WV7;UX:VNZNVVG:V:3W\93[@.<?XO7!0T[J)@
M=ZMN<3:X>WH?R[?Z[\O#VV;?SK;UJWLTN<^=R!S@IA]\.#8?W?6QE^;H;NAU
M?[Z[&YFUNZB6W#OP:],<3Q_\7<+S'<_G_P$``/__`P!02P,$%``&``@````A
M`%V?Z7\5`P``[`@``!D```!X;"]W;W)K<VAE971S+W-H965T.3`N>&ULE%9=
M;YLP%'V?M/^`>"]@("1!(563JENE59JF?3P[8,`J8&0[3?OO=VTGA(\M:5^2
M8)][./?<:]^L;E_KRGHA7%#6)#9R/-LB3<HRVA2)_>OGP\W"MH3$388KUI#$
M?B/"OEU__K0Z,/XL2D*D!0R-2.Q2RC9V79&6I,;"82UI8"=GO,82'GGABI83
MG.F@NG)]SXO<&M/&-@PQ?P\'RW.:DGN6[FO22$/"284EZ!<E;<6)K4[?0U=C
M_KQO;U)6MT"QHQ65;YK4MNHT?BP:QO&N@KQ?48C3$[=^F-#7-.5,L%PZ0.<:
MH=.<E^[2!:;U*J.0@;+=XB1/[#L4;Y>VNUYI?WY3<A"]WY8HV>$+I]DWVA`P
M&\JD"K!C[%E!'S.U!,'N)/I!%^`[MS*2XWTE?[##5T*+4D*U9Y"0RBO.WNZ)
M2,%0H''\F6)*604"X-.JJ>H,,`2_ZN\#S629V$'DS.9>@`!N[8B0#U11VE:Z
M%Y+5?PP(':D,B7\D"4#]<=]W_,4,S:+K+*Y1I!.\QQ*O5YP=+&@:>*=HL6I!
M%`.SRBS\;V:0DHJY4T$Z%-`"JO&R1J&W7+DOX&%Z!&T,"$Y`!_*'B.T4$00=
MQ`6!G4K(?:PR@"K^V_^32A4T5!F,%&P,9*%]5IEM>PL#`6#-6,!UFU00E+KG
M``J1UV6HO=P84-@#14/$]A)B(!)(^B(ONZ/`B0WY=N5!?K08OGIC0'-=XL"+
MQLKZV^'".V\/9$$[O5^6`H]DA0B-9!E0J&4MT+EGM*-;LQN9OHR\L^$#5=%'
M5"GP1-6XF0S(O-</>N\ULOK;`=S?74X#6?.A+'4>KW>Z"IK(&]FR,2`H65?P
M<[V,PDN(@4@UUCY\::B@JZ?!@"Z)O(08B%P.15X^#0H\<G!Z&@S(G`;?GXT,
MA@&D.(Z'Q??'!3;3Q5R^->$%V9*J$E;*]FIR^-"NW:H9:AL4PP4%TV2TOH5A
MI]?=;@.&38L+\H1Y01MA520'2L^9PU'@9ER9!\E:?2/NF(0QHW^6\*^"P-7G
M.0#.&9.G!S40N_\IZ[\```#__P,`4$L#!!0`!@`(````(0"!C-/4(@8``%L?
M```9````>&PO=V]R:W-H965T<R]S:&5E=#@Y+GAM;)R9VXZ;2!"&[U?:=T#<
MQQSM&5OCB0)1=B/M2JO5'JX9W+91C+&`R21OO]44`U0U4TWV)AF;OXNOJZK[
MQ_3#^V_EQ?FJZJ:HKGLW6/FNHZYY=2BNI[W[]U^?WMV[3M-FUT-VJ:YJ[WY7
MC?O^\>>?'EZJ^DMS5JIU(,*UV;OGMKWM/*_)SZK,FE5U4U>X<JSJ,FOA8WWR
MFENMLD,WJ+QXH>]OO#(KKBY&V-5+8E3'8Y&KCU7^7*IKBT%J=<E:X&_.Q:UY
MC5;F2\*56?WE^?8NK\H;A'@J+D7[O0OJ.F6^^WRZ5G7V=(%Y?POB+'^-W7TP
MPI=%7E=-=6Q7$,Y#4'/.6V_K0:3'AT,!,]!I=VIUW+L?@ET:QZ[W^-`EZ)]"
MO323OYWF7+W\4A>'WXJK@FQ#G70%GJKJBY9^/NBO8+!GC/[45>"/VCFH8_9\
M:?^L7GY5Q>G<0KG7,",]L=WA^T?5Y)!1"+,*USI27ET``/YURD*W!F0D^];]
M_U(<VO/>C3:K]9T?!2!WGE33?BIT2-?)GYNV*O]%4="'PB!A'R0"^OYZN`KO
MU\%Z8X_B(5$WP8]9FST^U-6+`UT#]VQNF>[!8`>1]<PVD)_YF<&4])@/>E`W
M%-0-E./K8Q!MUP_>5\AAWHL2%,$2&$0A5:2F(HH&B0>``R7,G5-&5DH]B%)&
MC"!!R7V79SVS=/(%`8#4<(#XS09X39,>!*6>9""([L89=KE,4!1/1)LA!YTB
ME10$$H),(>4::O'>A?D.Y8$:LELG*+KK2ASY&W8YG5Z.[_WQ,L&"/$VQ=(O9
MBZ<'&7AW-#,)BH!BF,.(@+F3%`1R8T+:"ZP'60N,(@E24A#(.PHI%UB+:08W
M`4M/@IH-+F$_8/E-R>4PO!_23ZBTRTVV$)E*BRG53-NA"+'"<,V63#J]'(6A
M/X^UI5BZ[>P5U8,,O''>N&11)%544I#<!;"+39.WC+(;96V\7B5QBA(*RHQ"
MKG*`6SO;7;9#H3"/O2K8KKL&]%<!%:2"@,+I;7MQ"P:XR1.XV!^[J(=#U0C'
MN[`/,PI&<Z%P>O^>P"TL,>[Z#)(E*`DD;\`=4)104.B4_P&J1]E[$55B+TH2
M"LH<Q=*+LU9B]"*JQFJR5*?Z>0_F.2>@<,Q)+'"X][,R&[V(JO'>$=N2TH`K
M@O%QC.(Q#]'=N."!SS23(/;'AN^7#*K$(DL2"LIL9>&R06^`93$\$LP\<P6H
M$D$E"05E1F,I^*S#&-V(JK'@OM&.@H+@A<QA9+Q.S0S0W!M[U8#'MFU^>36A
MIVS,5)8U8SAC+K'/MN>D5TDU%B445)O!#^_A(5J(I1E[E0B*@>8E%%0;P@34
M4FVT#[+[1%O>C"&JAFI/RXD>(RDH'DSA!_"TVMZ,J!KQ(KY60JYXLQ^9L2SL
MQQF#B?V8+HI$_T:'R0#*L#.QI_%4E-`\,I-9MCF&:!*V?D25""I)*"BS&TL_
MSMC,3#^B:BSXQ.OZ?A04%(^9C`4//8$LEYG-$54C7L1_5H6&X@VS#IFU+.S'
M&8N)_?$6:-9=;$L_8J#Y3B!YU+_GI^MZ63]VHZR/CKUJG@+K+4HH*',<N>#1
MC-.8_=BKQH*SYZ)4$%`XO<TOWKPC-`5+-_:J$2[FCXZ&8L2G=,Q:%M9XQF+B
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M?>\-%^!H\Y:=U.]9?2JNC7-11PCIK^[`>VH\',4/;77KSM^>JA8.-;L_SW"(
MK>"@S5^!^%A5[>L'??PZ'(L__@<``/__`P!02P,$%``&``@````A`(S]2R*'
M"```YC,``!D```!X;"]W;W)K<VAE971S+W-H965T.#@N>&ULG)MO;^)&$,;?
M5^IW0+P_P#:V293D='"ZME(K557_O';`"=8!1K9SN?OVG=T98&=WF;5YTU["
M;\>/9W;VV77PP\?O^]WH6]FT57UX'$>3V7A4'M;UICJ\/H[_^?O+A\5XU';%
M85/LZD/Y./Y1MN./3S__]/!>-U_;;5EV(XAP:!_'VZX[WD^G[7I;[HMV4A_+
M`WSR4C?[HH,?F]=I>VS*8J,'[7?3>#;+IONB.HPQPGW3)T;]\E*MR\_U^FU?
M'CH,TI2[H@/][;8ZMJ=H^W6?</NB^?IV_+"N]T<(\5SMJNZ'#CH>[=?WO[T>
MZJ9XWL%]?X_FQ?H46__@A-]7ZZ9NZY=N`N&F*-2]Y[OIW10B/3UL*K@#E?91
M4[X\CC]%]ZL\&T^?'G2"_JW*]];X]ZC=UN^_--7F]^I00K:A3JH"SW7]5:&_
M;=2O8/#4&?U%5^#/9K0I7XJW7?=7_?YK6;UN.RAW"G>D;NQ^\^-SV:XAHQ!F
M$J<JTKK>@0#X[VA?J:D!&2F^Z_^_5YMN^SA.LDF:SY((\-%SV79?*A5R/%J_
MM5V]_P^AB$)AD)B")*">/H\G\2*-TBP<98J*]`U^+KKBZ:&IWT<P:^":[;%0
M<S"ZA\CJSC+(C__.X);4F$]JD!X*=`OE^/84)7G\,/T&.5P3M$0(6N`,6<3*
M)9+D'&0*`L\JX=YME4E0I1K$52:6@B4B"YUG=6<KXQ=,`*3&%C"_.@%.:5*#
MH-1&!B!-ESO4N5PB-#>@[)P#3:PD@HF$(*9(N88*?AS#_9[+,Y_Q"R\1R;'`
M\^@N7W!@Q0"8B,D%8,(@4_V%*9@+RV9W_,)+9.#R9_%VTDZ$GIS9_#R>Z<J&
MZ%*PI2NR,X:,I.M$B+KR(;H4S'7!++O<,,XRA"1A$L&2IDS-6C'"K:`&!5L!
M(4FD1#"1=URDW`H*YAET6@&13+="MDC2\WS"%C4_3N^BZ/PQ$Q7!DF6G+KR,
MZ5%<7A3EUGQ?$B4E3T2X4(\KA&L<X7H>6.^($H5B(#_"A:KUVIB,<ITC7-W%
M-8\8K'04)\G"\HP5)Y(\-V8#%Z<6[O[B<)DWQ4$?6Q-M&4EF@'-11+A`R+`I
M4)E_CS*K4<%>CI#RUY"$2@@7.LA`U,XLU,_$4)FAG2XM2^(P"`+YXNXR"[BR
M0182N1X"-79:^>01U]V-`OFSRP5:7M*SQN@&H5:6/(/2*"%<J.4K@59&)S"[
MQ5FS(]<M4JN?5C+#!0[RE,@U%2AU?C8&G9XE4?XZ4@8QD!]A`F./O83;68\*
MMC-1?A4H5$2X4,M>Y%+'Z`9BJ8FA=O9M53DA[%5CN)"Y*`;$*=HRY\3>)R]U
M3%A;A?VJB/#L6;;2KZ-C-(Y`1Q,E"L5`?H0+!69`)A7-,^ET=(R,>6VGHV6&
M"[1L164RO!]3AVU+*'2V?4(ARI1JK?,K$>%"+9?I67+TD5#)PVX32P@7:KE-
MH'G0',S.=H]Z\<E![!,3K3K7/N:Z!IE+[)I+YASU")KCZ=@X89*ND_G8LKDN
MRU-Z%M;G+0O[+!I+QD$B)80)56UA]G(_H7I4T%N(DEI%1+C00=Z2]/`68M!;
M/&<_]OGUPU]B^4K/#/K\96%M5I<ZMNPO(L(SJ!9XX]C24RC:0F"Q29`22RTA
M7"B$,87*BTVBZ("_$$/;"-_ACQ/"X2_Q>$MX,Z9'<9&1<P)=$B5F$4W*C_`L
MWN0M22]O(<JO`I<@$>%"!WE+XGJ+LYT@ALKM.00RX/HA,+'<176,6K$"$])U
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M0I4%&`XD+^PI&@9$O_SUV?T+]<E5[/,_;H4HAOOT@.L"[0-T*9I7V-UDI`BY
M%R9=US[FNCP^$UYT4J_/7+XRH!4LB0(=E^SRI^8K$>%";_*9M-?AABA1:&^?
M20?YC*9YI9VM!3%7'UNPSZ\_MD@]_A+>4NA17"`L-O8S4J+$#/;VE_0F?]&C
M@EL*HD2AO?U%9:]_4VN:9](I-3'"8PM."(\M,H^WA#M;C^(BH^3.?B!)E)1%
M$6&=G=WD+7I4L-Q$B4)[>TLVR%LTS3/IEANMY?IC"PJ"P/7'%AG<H#D1^^TC
M]"BN$&IM/Y$D2DRANGROQQ;937:C1X5K+9U9T!,ID/]>^*2T[$;>1V3H#O(^
M@B#SXL[>46:XPD$^D^$YA"ET_A!"D*RP_X$F\QA.CQ4(?<)4"K/R\J4-W%OH
MV->F'!6[M^%D-QF.'A6>E9*;D%`)837/!QF.IGE_.RL0,6+)988+])B.<BRY
M?7)\%&:5W'Y^2I0IU3[0B`@7"A>S5\SPW,S5J&#)B1*%8B`_PH4.,IT<#<7,
MI%MR9,QK.^L0Q;G"<($`W9!)-8K/3>AR^^%DCI0IPRFYA'"A-WE/CJX".3L?
M8N`[`L[<#'L/!?+?"Q<ZR'O@;0D[DV[)D3&O[99<9%`@OE:!;QWLR^:U7)6[
M73M:UV_JE8D8_H!^_BV^SK&,[I>Q^DZ^]?L5O.:A?S\]?P!O61R+U_*/HGFM
M#NUH5[Y`R-E$I:W!]S3PAZX^ZE<!GNL.WJ_0_]S"^S0E?.=_-@'XI:Z[TP_J
M39#S&SI/_P,``/__`P!02P,$%``&``@````A`,?8A>`B!```%A$``!D```!X
M;"]W;W)K<VAE971S+W-H965T.#<N>&ULE)C;CJ,X$(;O5]IW0-PW8`CDH"2C
MX;0[TJRT6NWAFH"3H`8<8:?3_?9;QC03FVD[G8LDP.<_]N^R797ME]>VL5YP
M3VO2[6SD>+:%NY)4=7?:V?_\G3^M;(NRHJN*AG1X9[]A:G_9__K+]D;Z9WK&
MF%F@T-&=?6;LLG%=6IYQ6U"'7'`'3XZD;PL&E_W)I9<>%]70J&U<W_,BMRWJ
MSA8*F_X1#7(\UB5.27EM<<>$2(^;@D'_Z;F^T'>UMGQ$KBWZY^OEJ23M!20.
M=5.SMT'4MMIR\^W4D;XX-##N5[0HRG?MX6(FW]9E3R@Y,@?D7-'1^9C7[MH%
MI?VVJF$$W':KQ\>=_15M<A38[GX[&/1OC6_T[KM%S^3V6U]7W^L.@]LP3WP&
M#H0\<_1;Q6]!8W?6.A]FX,_>JO"QN#;L+W+['=>G,X/I#F%$?&";ZBW%M`1'
M0<;Q0ZY4D@8Z`.]66_/0`$>*U^'S5E?LO+.#R`F77H``MPZ8LKSFDK957BDC
M[7\"0J.4$/%'D0!Z/S[W'7\5HC#ZA,IB5(DFE<>[XHIA#2ZE!2OVVY[<+`@]
MZ#B]%#R0T0:$N3W+#^T!7WB;K[S1T!1H"G/ZLD=!N-ZZ+S`1Y0C%`H)U-$&^
M3"1S(@AD))W_DB*2S0D41$B6R7\*_5!RP8S)$9@LU9&%T1'>2'8D^"$_F!8+
M9#4$!G<Q46^D<Q$8BB</)7L$R@V0-%X(2G6\$2RSGR^0]PC@C6`IW$UNN%S(
M/8T%`U$[!4`D$XF12(U$9B1R'2$Y`5U5G0B,3O!&.QL,GT8)DZ:$<2R@Y;!4
M`K3R/&56$P'`^Z2B>)4:B<Q(Y#I"<@+B_?-.\$8S)]2@$%`T.+%"<R/$<YT1
M1B(S$KF.D(R`+?'>"/VBX+"\*"`40CGF8P%I!I@8B=1(9$8BUQ&2!<O/6,#A
M60PHH1P+2&>!D4@%(>(H6(3J@LJ,"KF.D`S@J>#=$:F/`0[/#%@J,2`@G0%&
M(A4$6H=B*3G<@[M7E#TI!U!FU,QUA&3)^C.6<'AFR4JQ1$`Z2XQ$*@AAR"):
M!\K>DQD5<ATA&8#@7'@\*`9Z9L$L8>*:.UOGP2BD0=(1$2X$RY6GAH%9(]<B
ML@\\LWIX<2"1A\F'Y5(Y"^.1T@PR,2/IA/#TU/?56)@>?WCBYEI$=H'G6X^[
M(+(SQ04E98V1H+0N&)'4K)*-B-A*?7^VE>8:0':!)UIW+O!:PIP_0?&G;@^S
M]&ED1/Z$`F^E'*J)"4@5`!(/>?_)1D!C-R]3/UZ?P@E1AHH"J\7]"2>X::A5
MDBLO,7W8JJ>[HOR-T08*`R@[E?L)VD!]P`O;Z0%4I9?BA/\H^E/=4:O!1Y#T
M'%ZM]:*N%1>,7(9*Y$`8U*/#US/\_X"AY/`<@(^$L/<+_@/3/QK[_P$``/__
M`P!02P,$%``&``@````A`,&(;Q8H!````0\``!D```!X;"]W;W)K<VAE971S
M+W-H965T.#8N>&ULE)??;Z,X$,??3[K_`?%>P!`(B9*L%KJ]6VE/.IWNQS,!
M)T$%C#!IVO_^QAX@V*39D(<VP5\/'\^,9^S-E_>R,-YHPW-6;4UB.:9!JY1E
M>77<FO_\_?(4F@9ODRI+"E;1K?E!N?EE]^LOFPMK7OF)TM8`"Q7?FJ>VK=>V
MS=,3+1-NL9I6,')@39FT\+,YVKQN:)+)265ANXX3V&625R9:6#>/V&"'0Y[2
M9Y:>2UJU:*2A1=("/S_E->^ME>DCYLJD>3W73RDK:S"QSXN\_9!&3:-,U]^/
M%6N2?0'K?B>+).UMRQ\3\V6>-HRS0VN!.1M!IVM>V2L;+.TV60XK$&XW&GK8
MFE_).B:A:>\VTD'_YO3"1]\-?F*7WYH\^Y%7%+P-<1(1V#/V*J3?,_$()MN3
MV2\R`G\V1D8/R;EH_V*7WVE^/+40;A]6)!:VSCZ>*4_!HV#&<GUA*64%`,!?
MH\Q%:H!'DG?Y_Y)G[6EK>H'E+QV/@-S84]Z^Y,*D::1GWK+R/Q21SA0:<3LC
M'M!WXZ[EAC[Q@Y];L9%(+O`Y:9/=IF$7`[(&WLGK1.0@68-EL;+EIRN#)8DY
M7\4D.174',+QMB.>'V[L-_!AVHDB%,$6&$2NJHBG"L\;)#8`#I2P=IW2@RC>
M]G]/*2:IE)Y&$*%$9HY<63QZH`"`:\8`]U\LQ!#B\<I=?UB8?%&$FL5($ZB*
M^)Y"80,CC[,)\=:$90Y1\4.BOCE"#5GY,K2NY3O*AWQ[NH8)W39GAL(.J?8X
MNQ`+=I%PKD-TE^)PC^U;9*5\PBGVG!D*=C`'6XA'V%J<(QSNL4/+4:A7P11;
MG;&T%DIX'&\\0\%>SL$6XA'V4DL2'.ZQH?D%*O>W)VVSQ>J,U=WX*-BBC8YJ
MU/W-)\0C;+TJX?`5>[&<@J(&<GK8(]>8*6"K.6!"+,"N5OU0<U&$FIXNM$+5
MIZMQ9''GJ3.6EJ?F@K)7%78"]?-QKTJU3J]5@:@3]?@+'?_&#IQ,6:K\[GC%
M*K_6N>YG!<%>,Z[)?NAH*=V);@<>W7U7HO*)5O)PUA)L/&IVZ'6Y$RUE`5P0
MW]<J8*P(X%P07%>HLHG>\C@;=J)/ZR[!\0"Q('ZJ6^//QU4HT40>A\*6,T!=
M=RCV5X+C"$7@O#RA&@M$AQNH5:I9'4H<"L?51R^:W3A2B50?7MJE%\Z_X4H5
M:E;_(5H#TDMB-XXOO>4IG`_^^ED])+,:C%3K-46OB)VH@U/BU+D,VPH*B"A_
M@T]5G\WJ(G";F%;K2;U#$>['(+BQ'\<"-YSN1[QQX(&\I,V1QK0HN)&RL[A-
MB.0>GN)-)R+KR!77`NUY##<@^=P>!N`"4B='^D?2'/.*&P4]@$G'$J?[!J\P
M^*-EM3PE[UD+5P_Y]01730H'?<<"\8&QMO\A+DG#Y77W/P```/__`P!02P,$
M%``&``@````A`"*72=I?!```91$``!D```!X;"]W;W)K<VAE971S+W-H965T
M.#4N>&ULE%A=CZ,V%'VOU/^`>!^((28A2K):<*==J96J:K=])L1)T`".,#.9
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MC;/EN^RU;/\1IS]XL3^TL-P4'"ECB^T'XS*'B`*-%U#%E(L2!,"[4Q4J-2`B
MV7OW>2JV[6'EAI%'9Y.0`-S9<-D^%XK2=?)7V8KJ/P21,Q62!&>2*:@_CP=>
M,*>$1N,L/BKJ#+*LS=;+1IP<R!JXISQF*@?)`I@OSE#'U>MG5L&C(OFJ6#HN
M<"%A?=[6)*1DZ;]!4/,S*$$0U,0-9"+2"T)%4/$R[0<?!%]50RQLU2&LZL_7
MXR)233)%AH$I(.E#+$3:1X2A2<+ZD/C&8M@(31O#\A48$D</7TAOQ%W`$@3!
M0EYC')GJTE$$&T(8\N$V^BH,RU?@E0NQN2J#%+%"ER!(EP^@J>7@'A#[*8A>
MF0P?4(/W^U#@G@\KR`F"=!\6(AU%L"&$(3]Z1+X"CV81@H;DCR+8$,*0/WM$
MO@*;T:>1G42(T=73V\)W99*.0]@@Q#"@NKRUA8YO1FJ2;<1*]`0Q@T;&(6P0
M8AB)32/#]:S`M@$KS`EBIEU#B&E\K3Y<!'V4D)DYRO31Z6VJ(9C`GJ^'?EAQ
MA[8E6W69G$$DIIWJT`MCXS7_[<G*M_3Q*:PW!1[H]%>@W\6TK%JBEFTCEK&!
MZKLNC:Q()P1!%\L3<R'2X6'VZ;`I6S7%^V5C"]5E0Q_HZ4:47A_6:J9D%,(&
M(:8'U1CO]X!M%-[UAF?W:S+4;+%,QB%L$&)Z@&@]X$&A[8JQTC\A"(JZ>ID2
MVMML#0`\K496AC$+,(MN^X@I7K5$;0'4P^KX3JL>U'LF[*WV#!HP@2P((/',
M=LD,!D(_-Z$:HV9BI("QC>J50+7PX$,?0=!96S2=6UF6&@`:!+?X=@3,&"=$
MVR',^*N>>+]T[*"F=*M`$X*@R]X3>-38;>-8WPC/]6!-Z2&814H]HN^MD\E4
MGV(Z5,WR?H?86DV'O5T*09I#4PS1Q9P=/CQ%G7Y5DE_N,MRVT#*>=O$P6/%F
MSU->EM+)Q:LZR1(HY^NO>,I.U"F[.R=?!^"0>\SV_*^LV1>U=$J^@ZD3;P;%
MTN`Q&2]:<>Q.7AO1PO&V^WJ`OS,XG/$F'H!W0K27"W40O_Y!LOX?``#__P,`
M4$L#!!0`!@`(````(0"M8M4'R0P``!A1```9````>&PO=V]R:W-H965T<R]S
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MW3!`_]WWW\_>OV?GE^/WOYWVCW_LWWH[VC9/+@.?C\<O#OW]T7UD+UZ(JS\-
M&?CG:?;8/VV_OE[^=?S^]W[__'*QZ:ZL(B?L]O%/TY]W=D1MF)N\<I%VQU?;
M`?O?V6'OIH8=D>V/X?_?]X^7E_MY4=]4S;+(+#[[W)\OG_8NY'RV^WJ^'`__
M`RC#4!`DQR#V"@R2Y3?YJLJJ>CK*`GHT"#3;R_;A[G3\/K.SQM[S_+YU<S"[
MM9&=LO*GRJPD=\UO[J+A4DN?;3J^/61E5MXMOMDQW"&T`<@N@2N44Z*51%%0
MQ$ADS:)T$LGRNKK&65BA5[5V#+G:PLZ&<!X_U+J+J-J"]6$#R&K(EQNAEG]@
M^`>=]P'I8D&[J'?-P78R>6-L$S%J'[*U`:CTH/HZ.@/13A)FDN@T@@BT'?%S
MH`MT\/W<CM5U$M551GN_`:89YF%A-T:NSF_/ZU6^I-<;O[THFQ6;@YW?GJV+
MHKE>3W3951.OR\%4ETT<Z_@&H!H6V"I;C3>&M)'VHLE9QPVTV^Z/@W?M^A"A
MTP@BKDX1YV`JKJ[X[@`,:*M72[:@6M)<+-G5!IHU91I!E#4IRAQ,E96LYQM`
M0%A1"F%^<[:L&I9S`^V:,HT@RIS[8%O[]&;G+J(*ZXIO*,"`Q*8I<CX&+0&6
MJVK-\P>`IE(CB,HU5:EO)PZFZNRR8\MJ`Q#(R]?+%5TS+6VN^6X"S9HTC2#2
M,GLT^1G4M0TT%5>QSFV0P=E9U_6:B6-`SD]U@X"F3T6H0'=V>U-T0B"<].0P
M6#(!FPP@I7_M%1F,2\WGYK7YY]NFBE"%[IB/5PBF@"@4QUT&$.8P<-X1('3@
M(:",4:<B5*$[^.,5@DWP%99BD@(#`NWZ7#=\"6:$L`ZX8(1!0I4(0<((E6B9
M!(F.INLP<+9G0*'(IEDQ!2T%RIS;&H-`N/]PO*L(E>B<0'P6P3?X690GO'M`
MLN,`"@-'/&V79SRVJ_JB_4OF_$"\/G`/OCY^QFV&B!_RBK)BYJLE[=FRR9E1
M,`BH^J)=3.9<@:?//<=-'_;#572JRM,>(<ACTV0E/_):2F1U4W%7@X2J-=K7
M9,X;>%HG3@UP$GXN`V?^$/,CFX%#G[7S(3#8K@J,MC29<PCQ`L%/^`+EN0\,
MY+`(G?L4")S[`*@"-83L-GF2L1EH-DO%N8^0TK_VBH3/_6OSS\]]%:$*DYQ-
M#J;%'DC7)S4[1]F)L$%*E3CI?LQTE$Y%J$P[Z^)G:NYHELB*NV^$8*I695VL
MF$%K*6%+H?PARR"AC%2G(E2C\PG1JS$'5^&OQKH2F00(E^-RE7'_TF(8)++*
M/F51IVZ04#7";<((U6B9!(V.9GGD19D<&!!@:U+\(;(E@*UABBT5@7#OP=^H
M"!68Y&]</94+K/B3!D*8HI5]S*49:@F0UP(P"*@*HQU.GN1P!IJED&=@@Q`H
MS!JY$,&>0'N^Y(4S@]>K^J(=3LX<CG[J#S33E_$'#824_K57Y"=GAF9:<(YJ
M")VC2;XFE[ZFEILI0)"A\&9*B.!F"H0R2AWV)8Q0C<XCQ&^FX"@F-E.`<!UF
M1=ZPK;+-"9$OUP6;"0:)L`#,(P0)(T2C\]WQ&@>:SU2ZDVR0`8FAS90`H<T4
M@7#O0:"*4(%)YJ8`3T*3R#=3A%#ALEJS([,E@'U8Y,]C!@%5H>:.J$+G5**G
M:>%HED*QF2($"@.;*6D/;*;8KNJ#?H01JB_)TQ0!3R,V4X3"-Q]F6'M%PIOI
MM7ETP>PYLE,1JM!V)"&#CJ89S`I>F]\40*D2)Q$S':53$2HSR=<4X"9L.OWG
M#.9;-DBI,C5;,B3;3$?I5(3*3#(W!9@*NN-P@XH0'AN!,BH!0F54!)1QZE2$
M*DRR-P68"E^A**,BXW=/F/`(Q@08L2RC/4[AS$3\Q@K6PY<9**4.,>V?+7BS
M6@J5)H8S)A!'")5A1H3FT]F%>*%@+GRALJ!:^#8F4%"E[;*@BNW^.(V=1P\0
M;7+*)),ST'1_Y0?X!AE<D+*@2MI#!54$-'TJ0O)7,H\35U`=KJ(Z94$5(;^?
M?"ZV$8P),#R?*D+UVKD7/U]+1U.=@:(J4I#10%&5M7/+9+#='R@A$#H21JC`
M),M32LLCBJK(X(0-%%49((NJ"(1[#RM21:A`&R8A@XZF&:Q%4;4$2.E?&T#X
M9#8!1N11NQ.5F>1XW-^R69G,\;"'BPU2JLYIQS,=I5,1*C/)\90AQ\,KJPC!
M?`T6`R@1*@8@H8Q4IR)48Y+G*:7GD955A/S^\>G81C`FP(@I&VUZRB33,]!L
M97+SB@RD,E00($"H(("`/U!"8+39*9/,SD`S@:*ZBI#?/YE(Z58X8P)QA$X9
M9D3(A*V23,]`,YW\C-L@!)D,E`5(>Z`L@.W^.(V=AR-$1:@^9GKT&FL5*.R(
ML@!"2O_:`"+2&&"$S.CJ3I7D=0::IM'6!OCFBI2J4_,J\-`\':53$9K-),=3
M@>-A)R6O#2"ERH1`"F*FHW0J0F7:.\7[GLK1-)OR+XH1\B7P&=E&,";`B%D+
M_?%O-2)49Y+QJ<"OV"EW+?6("@$RN/>$_M"*$J$_M$(BW'_<?S3K1"4FF9Y*
MFIY`=0"I#Y$K_G<X+07L[P_886L04"5"5\((E9CD>:J0YV&_#]\@Y-]<SE9I
M5CAC`G'&J8BIE&%&A.I,\CP56`TR6]EO<3;(Z#*E99$R)3-J0)D:0F4RYQ-7
M)JC`<?AR99D`(5VOM"Y2KV2$7@TA>NLD!S30=+,-E`F04H5&,";`<*$J0H4F
M6:%:6B%1+D!&ERD]C,AG((Z0*<.,")7I/$ETF;)V-,VG+!H@Y.L<;SZLK_:*
MA'\1=&T>SRX6H5,1JC#)!=5!%\3K!4BI$J==T'243D6H3-N9A$0ZFB52_/%`
M#9"ODD_&-H(Q`4:D4]YJ1*C.)!=42Q<D:P8(Z3JEA^%C80)Q1A%PL*@(U9ED
MA6IIA6IF8S;(Z#*ECY$R)2-D:@B5F62'ZI`=XG]*@)"N4_H8J5,R0J>&4)W.
M4<3OL^`_B#\0E8-:FA2NH8U@3(`1.N6M1H3J=$XB7B?X#J)35!!JS9S@>?*!
M_.0\^6A6SA,-(0J;)`<TT'2CM<4#?IX@Y4_9<7Q!XC1BII%.1:C,)/_3@.&P
M9][U:=,:/5X\0$J5J3F7823,=)1.1:C,)/_3!/R/^'X60KY*L2XC&!-@V*3H
M5(3J3')!#9@7?UV*X@$RNDQI@OA0F$`<(5.&&1$JTW8G?OMI',T6I_P6-E)0
M0,C7_'M8+6LOV:PWV.X/U-A[L`4J0@4FV9\F9']X^0`AOW\\26T$8P*,T"E=
MU(A0G<Y!1)\C#?@-,E]Y^0`97:;T+7PH3"#.J`'3*<.,")7I#(0G,ZY\T(#M
M\.7*\@%",&V#7]NB1.AK6TCX8S8*0:W1%JA)LD`#+=8FK[HCY7>0)ZR-8$R`
M$4*C/5#CO(275/VW*`--A8K2`3*Z3.E@^%"80!PA4X89$3)W5TE&:*"I3%DZ
M0,C7.=Y\F&]M`!$R`PP+TZD(E9EDA%9!(\3]'E*JSFDC-!VE4Q$JTUF;Z$F[
M<C3+IJ@?(.2KY*EJ(Q@38$0ZH3_^K4:$ZDPR0BMIA&3]`"'8:8O0%Q`H$?H"
M`A)A`;#3J@C5:,,DY-+1+)>\=K`"QN^>3.4T8P)QQCRA3!EF1*C,)"^T"GDA
M7CM`"%)9!KZ&0(#0UQ`0\$=J[#XJC'9!JR07--`LD:)J@)#?/YE)Z5\X8P)Q
MA$X99D1H)ID-TD],^Z8W.6'9-WHV"/DZQYOC42*MBY0I&1;&O7C.=2=\)Y`)
M+Y:#]ZX=^M-SW_:OK^?9[OC5O32NM"]XNGX*+[3;9+>;W+U-C'W>9K=MZ'.3
MW9K0YYU],=[P^>(:R+Z7[GW[W/]C>WK>OYUGK_V3[<+RQKGW$[S9#GZX'-^'
MEYY]/E[L&^F&?[[8-Q#V]NUFRQL+/QV/EX\?W+OSKN\T?/@_````__\#`%!+
M`P04``8`"````"$`^$;A??`#``!%#P``&0```'AL+W=O<FMS:&5E=',O<VAE
M970Y,BYX;6R4EUNOHCH4Q]\GF>]`>!\1$+Q$G8P7O$XRF<PYYQFA*ME`25NW
M>W_[6:6"M.RSJR\B73_^K%M+._[^EJ7&*R(TP?G$M#M=TT!YA.,D/TW,?_X$
MWP:F05F8QV&*<S0QWQ$UOT^_?AE?,7FA9X28`0HYG9AGQHJ19='HC+*0=G"!
M<K`<,<E"!K?D9-&"H#`N'\I2R^EV?2L+D]P4"B/RB`8^'I,(+7!TR5#.A`A!
M:<C`?WI."EJI9=$C<EE(7B[%MPAG!4@<DC1A[Z6H:631:'/*,0D/*<3]9O?"
MJ-(N;UKR61(13/&1=4#.$HZV8QY:0PN4IN,X@0AXV@V"CA/SASW:^Z8U'9?Y
M^3=!5]KX;]`SOJY($N^3'$&RH4R\``>,7SBZB?D0/&RUG@[*`OPB1HR.X25E
MO_%UC9+3F4&U/0B(QS6*WQ>(1I!0D.DX'E>*<`H.P*^1);PS("'A6WF])C$[
M3TS7[WC]KFL#;AP094'")4TCNE"&L_\$9-^DA(AS$W'!^YO=Z3@#S_;\)U1Z
M-Q6XUBH/NP#.EG'`M7[XZ3C\FTB_*?)T'#"S2E?@6KOR<!S#V\-PK1]^.@X;
MVDA4%2ISEWDT$DOT2-ERBY"%TS'!5P.F,70!+4*^*-@C&Z2K9A.M4;??_W4?
MM!U7^<%E2C%H+`HSYG5J]^SAV'J%/H]NT$Q`D,,[!.TD0_,*XGW-I1?JP%(=
M"-2!E3JP5@<VZL"V&FCX)CNVJXC*L7UCP()LUBF%++92ZD+Y/IZ_50;Y4W(&
M74?V8-9&%&+>)FS;Z\LRBS;4DXEEFP"9@0P%;<AU96351D!'Z8KU1Y#?E94V
M'T*V#&W;D)*?79M0?=ZWD>%=1:HS+(U2G3^O+Z=A)6XTO]_WY`!F@H'%LIX@
MZNS0$@LML=02@998:8FUEMAHB:V6V&F)_6>$5$Y(^Q/EY/3$A&:YEZJOS)"9
M8#XKIY98:(FEE@BTQ$I+K+7$1DML!=$7GP=760=VDK6G+`#[IG5XGS=2!6&C
M\$0%.:U64/%I)AAX][W*\I2=:XF%EEAJB4!+K+3$6DMLM,16$'Y90<?VE"+M
M9'-769_WDKG?^*!(580=VQ-5Y+12Q8'BUDPPHN\&ZBR=-ZU>3_U8-JT]5_U0
MRE;EO4'3ZMI*-E9-JS=4WKMN6GWOWO#EGF@C6=6(MDVKXPR4IM[)YI[B%YQL
M>$9%MF![>?^FBRJ)8XO80V:(G-`<I2DU(GSA1Q('6J,>%:>EF3V"[1;LFI3Q
M+9RBRG&K-L`II@A/Z&=(3DE.C10=0;+;Z4/C$'$.$C<,%^56Z8`9G%_*OV<X
MKB+8+G8[`!\Q9M4-O-BJ#\#3OP```/__`P!02P,$%``&``@````A`&32IGYG
M!0``JQH``!D```!X;"]W;W)K<VAE971S+W-H965T.3,N>&ULE)G;DJHX%(;O
MIVK>@>)>.8FG4G=MF[-,U=34'*YIC$JUB`5TN_OM9X6`D-#-TKYH->O+3Y)_
M)82P^O$K/4L?)"^2[+*6M;$J2^029_OD<ES+__SMC.:R5)3191^=LPM9RY^D
MD']L?O]M=<ORM^)$2"F!PJ58RZ>RO"X5I8A/)(V*<78E%X@<LCR-2OB9'Y7B
MFI-H7U5*SXJNJE,EC9*+S!26^2,:V>&0Q,3*XO>47$HFDI-S5$+[BU-R+1JU
M-'Y$+HWRM_?K*,[2*TB\)N>D_*Q$92F-E_[QDN71ZQGZ_4N;1'&C7?WHR:=)
MG&=%=BC'(*>PAO;[O%`6"BAM5OL$>D"'7<K)82W_U):AILO*9E4-T+\)N16=
M[U)QRFYNGNS#Y$)@M,$GZL!KEKU1U-_3(JBL]&H[E0-_YM*>'*+W<_E7=O-(
M<CR58+<)/:(=6^X_+5+$,*(@,]9-JA1G9V@`_)?2A*8&C$CTJ_J\)?ORM):-
MZ=B<J88&N/1*BM))J*0LQ>]%F:7_,4BKI9B(7HL8T/HZKH_UN:F9TR=4)K4*
M?-Y5'FX"-+;J!WS>*S_=CVDM,NN*/-T/F%I54^#SWI2'^[&H*\/GO?+3_=`@
MC9BKX$PK\VA/%)8C5<I941EM5GEVDV`>0Q84UXBN"MH2DEIJDHVEQCW]OLL^
M2#NJ\I/*5&*06`5,F8^--M'5E?(!>1[7T)9!,(8M!.G$0R\-1/.:2EMB@2T6
M.&*!*Q9X8H$O%@1-0:=M?,-V#=$T+.P4*#":]R&%4>P-J0'V?3U_FQ&DM?@1
M-'2^!=L^(A`O?4+3S!DO8_6A"4_8?0)DYCSD]"'#X!&WCX#.@H>\KZ"ID#K^
MEY#&*P5]2!B?79\0VQSVD46KPOD,2R/G\["_E(:5N)/\TWDK7*7ZEC&P6-XG
MB#@[4,)""1LE')1P4<)#"1\E`I38H40X1'!VPK!S=M*5$)^VM-9:AJ1I+9L+
MTVG+F"%;4<)""1LE')1P4<)#"1\E`D;,JMN$;DZ$X=IQX<G,Y&=YV`T;VJ)=
M<S@W8=/`N3D\.2DMNBA<=\L8N'KK--^R%Y2P4,)&"0<E7)3P4,)'B:`AZ,U^
M9(C+^HX/:\)HAGQ8;\.<B[![>\)%2@LN+H0;R98Q0RZBA(42-DHX*.&BA(<2
M/DH$#5%MV51Q*G:C<^%V&W:#HX[!G(.P[W["04H+#LY%!QG#5H_Y3-B5O'2C
MYD3<^G2C$T/HK<U'A>LZW:BA"8/A=J/F0KBNUXU.S3;9J]N^ST7%'@7=J*[/
MA>W3C@]/A':%7'AN?K-:TJ.#[E/`\&I):7$KTPJSK0QCAN892E@H8:.$@Q(N
M2G@HX:-$@!([E`B'"&[2P9,F9^=C6QE:2YQ\PA39,F;(5I2P4,)&"0<E7)3P
M4,)'B8`1VL*L-C/J6%Q3=A@0#@"<I_0`@#-U>(Y6N.BFL/!L:VC(3ARQ<,3&
M$0='7!SQ<,3'D:!&&EM'D_%<Y?XT>R0\N^WZ=?0%]S?KU0G%.L;8Y"ZC&MTZ
M?#K0TX?'EVR-'59PSRF]O5$-#:8#TQE`+%S%QA$'1UP<\7#$QY&@1IITT,:3
MKBW5_6[78U3._,6B5R44JHP@J=J[*&\V/91XPFQVAL&;W4JS&S0][(/E?L#)
M%QRQ<,3&$0='7!SQ<,3'D:!&&K-A25=-WDK^J6_W105A4TK?%M"Q[FH:WV@R
MW]F[`790FY+\2%[(^5Q(<?9.S_UUN-G<2]D[B:VVA#--.)H4R@/ZKJ)ZVW`/
MP*N":W0D?T3Y,;D4TID<0%(=S^")+&<O&]B/,KM6YY&O60DO":JO)W@I1.!,
M5AT#?,BRLOD!%U9NS6NFS?\```#__P,`4$L#!!0`!@`(````(0#`^CY^3`0`
M``$0```9````>&PO=V]R:W-H965T<R]S:&5E=#DX+GAM;)Q7VX[B1A!]CY1_
ML/P.IGTW`E9K6Y.LE)6B*-D\&].`-;8;N<TP\_>I=AEP-2QX\C*#J=.'4]5U
M<2V^O%>E\<8;68AZ:;+IS#1XG8M-4>^6YC]_OTQ"TY!M5F^R4M1\:7YP:7Y9
M_?K+XB2:5[GGO#6`H99+<]^VA[EER7S/JTQ.Q8'78-F*ILI:>&QVECPT/-MT
MAZK2LF<SWZJRHC:18=Z,X1#;;9'S5.3'BM<MDC2\S%K0+_?%09[9JGP,794U
MK\?#)!?5`2C615FT'QVI:53Y_-NN%DVV+L'O=^9F^9F[>[BAKXJ\$5)LVRG0
M62CTUN?(BBQ@6BTV!7B@PFXT?+LTO[)YR@+36BVZ`/TH^$D./AMR+TZ_-<7F
MCZ+F$&VX)W4#:R%>%?3;1GT%AZV;TR_=#?S9&!N^S8YE^Y<X_<Z+W;Z%Z_;`
M(^78?/.1<IE#1(%F:GN**1<E"("_1E6HU("(9._=_U.Q:?=+T_&G7C!S&,"-
M-9?M2Z$H32,_RE94_R*(]51(8O<D+JCO[?;4#CWF^<]9+%34.9AF;;9:-.)D
M0-;`;\I#IG*0S8'Y[!GJN/CZ,U?!1T7R5;%T7."%A/MY6S'7C1;6&P0U[T$Q
M@J`FKB"*2,X(%4'%FPZ^L$#P137$0E?MP*W>OX^S2'6(BG1L*B"^A6B(Y!;A
M.)0DO85$5Q;BAO-_W%"'EB;\R#6,KN-3#3&"X$(O(`V1/$6DCQ#$#?B9X6T\
MO@4%AOP?*`ML35N,F$?JGR+21PBB'BIPO'H%IL$/[$"+/6*"K@SL*'1=:D^(
M';J`5B<IVN][3Y3[GU&NP+KRD"J+$>-C`4-[HN:$F+U(,Z?$[#C>Y301'7Q&
MM`+KHK5PQ8CI1;-0,R?$;#O:9:3$S*)K1(AH-<@'7?)QABNP)MJ978+1-;88
M,6X7Z4G@:2F4H!E]LL/PVCZP+9Y/WZMNHCOZC&X%UG4S33=B4-B$!;I?";5[
M@1YNM(_(;0;M?'S(.[2N7<O/N`>A>&=FZP,J(8`[E9M2`"E=$G:FYM;H?.G0
M6DO4\S3N0?<CUV5%\AR2/H10%]04&[B@7@R>CUB&LV\XG()!(\#<[T%]=C/'
MOQ9=[PBR(("%+-2J)^T9[@>#NJ&&V,"-QY7+<.11^?IPZD%]&H6>)BXA=IOY
M>O'V]C'B`?,)\0JMUX#66&*&H#[VX>Q&/+'[NCWMSP/JSHL%C;P:8^,CCT./
M1EYO/NJ5&SQ$\?>ZCP:X;3\]8(Q\-<W&R\?91^5K:1VSX8"T?>CKM+DF%'!;
M&"D!T,*@L5=3;2!^9/'B+!PZP5P]O6/8L]0EX.O-Q(E\[982"@C=0"L@M:DI
MAD>7@)L8+BH5;W8\X64IC5P<U9;%8&Q>OL4-,%8;8+?#70RP@!VR'?^>-;NB
MED;)MW!T-@T@B1I<X?"A%8=N*UB+%E:O[N,>5FT.^\=L"N"M$.WY02V)E^5]
M]1\```#__P,`4$L#!!0`!@`(````(0`OQ9;1W`8``%<@```9````>&PO=V]R
M:W-H965T<R]S:&5E=#DW+GAM;)2:VV[C-A"&[POT'03=QSK&CHTXBQ6C;0NT
M0%'T<*W(<BRL91F2LME]^PXU)$6.9$JY26+JGS$_SI`S-O/XZ7MU=KX535O6
ME[T;K'S7*2YY?2@OKWOWG[^_W#VX3MMEET-VKB_%WOU1M.ZGIY]_>GROFZ_M
MJ2@Z!SQ<VKU[ZKKKSO/:_%146;NJK\4%GASKILHZ>-F\>NVU*;)#;U2=O=#W
MUUZ5E1<7/>R:)3[JX[',B^<Z?ZN*2X=.FN*<=3#_]E1>6^FMRI>XJ[+FZ]OU
M+J^K*[AX*<]E]Z-WZCI5OOOM]5(WV<L9N+\'<99+W_V+D?NJS)NZK8_="MQY
M.-$Q\];;>N#IZ?%0`@%?=J<ICGOW<[!+H]CUGA[[!?JW+-Y;[6^G/=7OOS3E
MX??R4L!J0YQX!%[J^BN7_G;@0V#LC:R_]!'XLW$.Q3%[.W=_U>^_%N7KJ8-P
MWP,1!]L=?CP7;0XK"FY6X3WWE-=GF`#\=*J2IP:L2/:]__U>'KK3WHW6J_N-
M'P4@=UZ*MOM2<I>ND[^U75W]AZ)`N$(GH7`"OX63<&,UB(0!_!8&6ZL^%GJ8
MTL0LQS/SD+)?M.>LRYX>F_K=@4P$CO::\;P.=N!,KA9Z4.MW:_E@W;B3S]Q+
M[PM6IH68?WL*XG#SZ'V#0.5"E*`(]MD@,A5,*GA4N-]G.I!J`QX0*`Q8:(H1
M0>I,!UW.FAN9LXY"<T8)2O0Y$P63"C7G":^1Z34=2[:#6X,+\D'GLO-P,:2K
MML";D+QU@AI('Q6$M3DY)A4*2`[<-$EM"@,'WE?'X=D6W]R;,DS<:._"FJDI
M0W(]F+-.4+3I<V_]0*@9/@VV:]/)UG3RC#+XJ=Z)+$YJ4QBD0/5Q4FY$22/?
MG&2"HK@GO0O(4X9/9TFED]ND-H5!"FM*28,-/UMG=A^W,V$W,8E;@AK!&IL+
MP?#A+*KT<1O5IC!0X0S74>V[D8O);MS2(Q$UEH1C4J%VHQRXC6-3&#B\Y='.
M?CL.%YOA"N(H,$.2H`CC%=$"P.13Q2('>,$(-V1Q4OETBM3@@%*YG(.+1QS#
MZ=O7G01%P?:^WV7^RB?G`$-!W\9@I1I9$)>IM)BE":!N+<?IU2,>NH^$2@,B
M"B84&M'8AD0[53;S3+QN+TZU`*N\>>)'9/LG0J4Q$043"IT)/=^V297-/!.O
MXAK3LF(68.TG;/=D'PD5;J0'G^024X_53E(C4]/N,S2U2HS]%/!Z3LCFNZG>
M:I2)9.,D0F4[\I1DH+,U&(+.)C'I>`W7Z.S'7H`5'[RKGF#<5`F1%0K]Z+DH
M1P;/9+%2JU\3BI?KY5!8W$D2DO,WX9^:X*A<8S_O^[35$,]U)+2PK$.JC*:H
M321>EI<C81$G2+1+#,:E'JH8:0.94@T).+8;Q<HF,<%X@=;`^,&Q8'MA63<!
M8Q*3))#%GY?4-:W/3#T>R*3!5#S$UK))3#)>L@G9?'\?8*$G9*38)$(U'-U$
MP(1`3T=;!R'8;!*3C1=PPK8@:ECV"1LYSY/`[!["59S>$0T3&AW/UE((/)O$
MP`M)U[&LFO56],P??383*GF0/)!JQ\1S#4V-W,Y*J\1$(\W'0K3))H3NMQ!5
M\M,8/4G48[7?U(B%3/J<DIADD%=Z3MI+6<C59K`V]_30%Z)AF_GD#&5"H4<+
M'=^V26U>32+2>LP08=$GNXNTMDF(*OQN`+Z-)3%DXKD.A!:V.J:,YH/$ZSPY
M..8/Q1"[`X)&.MQ$J"P394HRI""ZMABERFB>[D.-!_]6`%(0EM?230F197Y,
M20:H^=9#&0UO/A1Q,PMY+=="-I.%6/E)J,@AEX2H&C;)\-[]6<V$0$]#6TN!
M![PRFF?B57PY$]9\PD2FG/`OM2&<`Q.!9D*@,]F:"<%DDYAQ(OW&3)PF^XS1
M`8BJ@8E`LU"V#$/NR9&I(`@FF\1DXB5;B]/":H6%GL2+'-U):&L'1!9*R4`G
M1RQT-HE!QSLFG<X>L5X]=UP(D>VX4!(%I49N0UDE)A1I,&:@IAJ+F&19$J%J
M2$-R]#,AT+:6&K$P+6XM(DBE#P2*J\W6(HACNK5ZG[;C0@AT)G1L"6ZJC*:P
MS3CQLJYMK9DX81.PWO0W>_PZ*HE&0VP\]#P>2HTA<TZ`IL])?AC\X`4<W*B.
M`Q"2=C01JC4<1JK^;GWZ06I0#=L%W8.A'.)WN/P=<0B1\$X6KQ>KHGDM6'$^
MMTY>O_'[5MXCJU&\"T[@+KB_.*7CX8Z%_*W(^.<H@LOC:.()H,EK94\9P;7N
M-7LM_LB:U_+2.N?B"-/P5QMH%1J\&,8777WMKP%?Z@XN=/L_3W"!7T#(_16(
MCW7=R1<P*4_]2\#3_P```/__`P!02P,$%``&``@````A`&[Y]89J`@``'@8`
M`!D```!X;"]W;W)K<VAE971S+W-H965T.38N>&ULE%39CMHP%'VOU'^P_#YQ
M`B0L(HP&(=J16FE4=7DVCD,LXCBRS?;WO8XA)4!'S`N)R;EGN=?V]/D@2[3C
MV@A5I3@*0HQXQ50FJG6*?_U</HTP,I96&2U5Q5-\Y`8_SSY_FNZ5WIB"<XN`
MH3(I+JRM)X085G!)3:!J7L&77&E)+2SUFIA:<YHU1;(DO3!,B*2BPIYAHA_A
M4'DN&%\HMI6\LIY$\Y):\&\*49LSFV2/T$FJ-]OZB2E9`\5*E,(>&U*,))N\
MKBNEZ:J$W(=H0-F9NUG<T$O!M#(JMP'0$6_T-O.8C`DPS::9@`2N[4CS/,4O
MT62>8#*;-OWY+?C>7+PC4ZC]%RVR;Z+BT&P8DQO`2JF-@[YF[B\H)C?5RV8`
M;QIE/*?;TOY0^Z]<K`L+TXXAD,LUR8X+;A@T%&B"7NR8F"K!`/PB*=S.@(;0
M0_/<B\P6*>XG03P,^Q'`T8H;NQ2.$B.V-5;)/QX4G:@\2>]$`L\3290$@UX\
M'#W`0KRC)N""6CJ;:K5'L&E`T]34;<%H`LPN61_Z<S\91'(U+ZZH*06T@6GL
M9M&@-YB2'?20G4#S.Z`604"]M0"R'[?@BKH6^KV6OG$YOX7\0W0,]+L&WL_N
MP-`CC-KLR3"^4O:8P26F1724`?+QZ*XHQ9"N=0#=O[;@04,_G&$8WM>'W7>I
M_WYR!^[J)N-QR^M[[C%>MC_ZGVS2E7ULT[FBKCS$3J[T/2AN8@_B)!ZUWWW?
M_1'W)Z"F:_Z=ZK6H#"IY#MT,@R$$T/Z`^X55=;/-5LK"P6Q>"[B'.1R#,`!P
MKI0]+]P5TM[LL[\```#__P,`4$L#!!0`!@`(````(0#P*+U^!`,``(P(```9
M````>&PO=V]R:W-H965T<R]S:&5E=#DU+GAM;)1676^;,!1]G[3_@'@/8`B0
M1$FJ)JA;I4V:IGT\.V#`"F!D.TW[[W>-$Q+#FK8O!+C'Q^?<>_'-\NZYKJPG
MP@5ES<I&CF=;I$E91IMB9?_^]3"9V9:0N,EPQ1JRLE^(L._6GS\MCXSO14F(
MM("A$2N[E+)=N*Y(2U)CX;"6-!#)&:^QA$=>N*+E!&?=HKIR?<^+W!K3QM8,
M"_X>#I;G-"4)2P\U::0FX:3"$O2+DK;BS%:G[Z&K,=\?VDG*ZA8H=K2B\J4C
MM:TZ73P6#>-X5X'O9S3%Z9F[>QC1US3E3+!<.D#G:J%CSW-W[@+3>IE1<*#2
M;G&2K^Q[M$ABVUTON_S\H>0HKNXM4;+C%TZS;[0AD&PHDRK`CK&]@CYFZA4L
M=D>K'[H"_.!61G)\J.1/=OQ*:%%*J'8(AI2O1?:2$)%"0H'&\4/%E+(*!,#5
MJJGJ#$@(?NY^CS23Y<H.(B>,O0`!W-H1(1^HHK2M]"`DJ_]J$#I1:1+_1#(%
M]:>X[_BS$(71VRRN5M093+#$ZR5G1PN:!O84+58MB!;`?':F=?1>7[,*'A7)
MO6+IN,"%@/(\K='4]Y?N$R0U/8$V&@2?Q`5D(K9GA,J@XDVN7K@@N%<-N1BJ
M#J"J_Z_'6:1:9(H,AA+'D`%B.T8$@>DB&4/F%Q;#1F#:N"U?@:%QKM(7Q:&Y
M]49CH(Y]BB,3L7T3D=Q"&.IAFX\702U:V9"B7F&,+MGIJK[1F%CW43@?F-P:
MX6BP.-%1N/8;7%)@R(<O;RA_^NHW?>XAM6@H?U#_C<9$G?P)"J;>H`0Z/NWB
ML3]PEUQ'(W3A-K1'IO;;C:/`0\U34]-&8TZ:?10.-0_B'C+7)V8\#F=]W-`=
M?T2W`INZX5"Y)$3WB@;I7IF@V:A9S+B/!L9A:JA-;K6+G@KZT*P)+\B65)6P
M4G90)SZ",O9O]3#:P##JCFZW#\`P:'%!OF->T$98%<EAJ>?$4&RNQXE^D*SM
M3J@=DS`&NML2ICZ!L]!S`)PS)L\/:F#U_R/6_P```/__`P!02P,$%``&``@`
M```A`$+^?$,$!```E@T``!D```!X;"]W;W)K<VAE971S+W-H965T.30N>&UL
ME)=;;ZM&$,??*_4[(-YM6*[&LGUT3)3V2*U45;T\8UC;*,`B=ATGW[ZS.QC8
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M_DK+TUE`N4.(2`:V+MZ?*,\AH^!FZ8724\XJ`("_5EW*UH",9&_J_[4LQ'EK
M^]$RC%V?@-PZ4"Z>2^G2MO(+%ZS^%T6D=X5.O-Z)#_2]W5MZJY"$T?][<9!(
M!?B4B6RWZ=C5@JZ!9_(VDSU(UN!91A9\&AF$)._Y+F]2MX*:0SE>=R3PR,9Y
MA1SFO6B/(C@"@\C3%>E<X?N#Q`'`@1)B-RE]J.+'^;]1RIMT2M\@V*-DI?(L
M(TLG%S0`2,T4X.L'2S&4>!)YE(1#8"J%>]0$4XVN2+]2:&S@Y'XV*=[:$.90
ME<!$0TFLZNH'?FQP3<V!%P>#68."'KH?2HIUJ"B)!K^8,-0$BLJ+QJ<J:ZI9
M)ZVH,46/,$FQR62D8H^:"$_`RNRN5#-'WAB11A4_0B7%)M7*R!1J>JH@,GH^
MG9J]A'Q")5]=D[GP=<-+L4F5&%2HZ:E\UTAE.C5[J]4G<R!YA$J*=:K8=0TJ
MU/14<6!`IYHY\L>3HE60P"BZ/UE*K7-%B<G5B[#=_61,![:[;H[&#M"YC.'^
M=1$)CN/I:(C=V5!'49\P-PC,@]A[N=4Y\49TG4U.VKL;C.!<GH[4V#4:>]^+
M8#X-LVUL[CYOZ.=CB<XGQ^_]?#BL]=R-D>,$([>)+E^8"S(6K6?3S-YHUKGD
M^+V?"X>USC5V<<^%(NRU16B^#U*"=BSIPB.?O:3E1O0`VD=#?W8,IG-]X;OF
M^52/A(U%3>"%-WG+ZDE[:/*3^>B/W;$<?=)0U#]Y%1O-F/9.;DD+PK$5=;2'
MQC\LN>9,"V='%#7X_D[".=G43D@0C:,8R7`-QBVQIMV)IK2JN)6SBUQQ/<CU
M<!77[SU9PR8%:Z]Q/86U7%UW!@-LQ6UVHK]GW:ELN%71([ATES'4N<.]&K\(
MUJK5[<`$[,/JXQE^_U#8T=PEB(^,B=L7N;D/OZAV_P$``/__`P!02P,$%``&
M``@````A`%C%XL/P`@``/`@``!D```!X;"]W;W)K<VAE971S+W-H965T.#0N
M>&ULE)5=;YLP%(;O)^T_(.[+-R%!2:J&JENE39JF?5P[8()5P,AVFO;?[]@G
M(8%L';TA`;]^><X'Q\O;EZ:VGJF0C+<KVW<\VZ)MS@O6[E;VSQ\/-W/;DHJT
M!:EY2U?V*Y7V[?KCA^6!BR=94:HL<&CERJZ4ZE+7E7E%&R(=WM$65DHN&J+@
M5NQ<V0E*"K.IJ=W`\V9N0UAKHT,JIGCPLF0YO>?YOJ&M0A-!:Z*`7U:LDR>W
M)I]BUQ#QM.]N<MYT8+%E-5.OQM2VFCQ]W+5<D&T-<;_X$<E/WN;FRKYAN>"2
ME\H!.Q=!KV->N`L7G-;+@D$$.NV6H.7*OO/3;&Z[ZZ7)SR]&#_+BOR4K?O@D
M6/&%M122#672!=AR_J2ECX5^!)O=J]T/I@#?A%70DNQK]9T?/E.VJQ14.X:`
M=%QI\7I/90X)!1LGB+53SFL`@*O5,-T9D!#R8GX/K%#5R@YG3IQXH0]R:TNE
M>F#:TK;RO52\^8TB_VB%)L'1)`3ZXWK@!//8CV?_=W&1R`1X3Q19+P4_6-`T
M\$[9$=V"?@K..K+HGY%!2'K/G=YDMH):0C6>UWX8>TOW&7*8'T4;%,$7T(N"
MH2*[5H1A+W$!L*>$V,>4(53Q[_D_4>I-0\IP1+!!B>D<$UEV\6```*FY!'C[
MQ5H,);Z(/`[]/C#SH@UJH@O-;*C(WE(,V,!D.IL6KVP(LZ]*')^3CFRH24QA
MDW"Q&('A,EQ[BS/Z``SZ:#J8%H_!HN&;-ZB9&;#`2V8C\`S7)Y#-WD.FQ6.R
M>$2&&B0+%U$R7,YP>0)8\AXP+1Z#G4N!M40-@OFQG\Q'9+@^@4P?91>#XNTO
M0(N'9'XT3AEJL,NB))B/<W:Y'L9A>&Y#;#*<UCC,&BIV-*-U+:V<[_4D#J!)
M^J=X2&S\%#YXF,ZCYQD<'N:YVR_`\.[(CGXE8L=::=6T!$O/2:#!!(Y_O%&\
M,Q-FRQ6,;?.W@E.:PI#T'!"7G*O3C3Y@^G-__0<``/__`P!02P,$%``&``@`
M```A`+<?H6ON`P``/PX``!D```!X;"]W;W)K<VAE971S+W-H965T.#,N>&UL
ME%?;CJ,X$'U?:?\!\=X!<PE)E&0TT.J=EG:DT6IG]IF`DZ`&C&RGT_WW4W81
M`B;;35Y(H(Z/3UTH%^LO;U5IO5(N"E9O;#)S;8O6&<N+^K"Q?_[[]+"P+2'3
M.D]+5M.-_4Z%_67[YQ_K,^,OXDBIM("A%AO[*&6S<AR1'6F5BAEK:`V6/>-5
M*N&6'QS1<)KF>E%5.I[KSITJ+6H;&59\"@?;[XN,/K+L5-%:(@FG92I!OS@6
MC;BP5=D4NBKE+Z?F(6-5`Q2[HBSDNR:UK2I;/1]JQM-="7Z_D2#-+MSZ9D1?
M%1EG@NWE#.@<%#KV>>DL'6#:KO,"/%!AMSC=;^RO9)60A>ULUSI`OPIZ%KW_
MECBR\U^\R/\N:@K1ACRI#.P8>U'0YUP]@L7.:/63SL`/;N5TGYY*^0\[?Z/%
MX2@AW2%XI!Q;Y>^/5&004:"9>:%BRE@)`N!J584J#8A(^J9_ST4NCQO;G\_"
MR/4)P*T=%?*I4)2VE9V$9-5_""(M%9)X+8D/ZEN[-_,6(0GGG[,XJ$@[^)C*
M=+OF[&Q!U<">HDE5#9(5,"O/@O_U#%Q2:[ZJ17HIH`6DXW5+_&"Y=EXAAED+
MBA$$KT`'\H:(9(SP_0[B@,!.)?ANJO0AB[?C?U&I%@U5^H:"&"&Z<K1G2>_!
M0`"$IB_@XXT5&%+<\SP,%IUC>J,8,4$/,Q\BDH\0`VU`,EV;`F]L3R?-<TDP
MW#1&<X0Y]1:1%PX!"0+@VF7UJGN@"HIHNBH%[JDR-HW1/->J`B]81H8HM$\0
M-;]'E`+W1%W]Q`RB&45!/^Z5+I82VB>(BNX1I<`]448D8C2C*$+F"R._"=HG
MB%)'5Z\O?%SP"MP39=8ZFEM1;A@0(WUHGR!J>8\H!5:BKI4:ANYPYQ@Q;6%%
M?F0J0_L$902ZT?1X:?10&PG,HF]!;8'-7>CT0_5)BY@B[T:;_[R!$FS0PT8V
M:O,(NBT"WX26YS9DT#2(ZK^3RTZC>W5G%'O<VC&"OD=<0WO2`J8(4]UXNC#L
MW5V7':46[>T;X?O$J,N$(&"*,,#<(4RA>Q$S>QI!>RLL'%<<VN'Z6?M7X]$=
MNHP#P&QKF@TF$SRVB&%..O/GLNXZ`8AQ!)B-K;7WPQ$:N4YN8*Y1'Q;_70<!
MN9P$5Y_'_:T%8=R(.RJSR<<!3-?WI/-R(%RUW>AO",)9(XA@V##;6Q_@A[Y_
M?7TQ;CBOXSA;47Z@"2U+867LI&9Q]?9U3_$[(28K&/E@/C>>)_#]H)\[G0'&
M]R8]T.\I/Q2UL$JZ!TIW%D&A<OP`P!O)&CUC[IB$P5W_/<*'&H4QV9T!>,^8
MO-RH3XSNTV_[&P``__\#`%!+`P04``8`"````"$``)/H?48#``#9"0``&0``
M`'AL+W=O<FMS:&5E=',O<VAE970X,BYX;6R45EUOFS`4?9^T_X!X+]\0$B6I
M"JA;I4V:IGT\.V""5<#(=IKVW^\:YP,[:]J^)(%[?'S.N8:;Y>USUUI/F'%"
M^Y7M.YYMX;ZD%>FW*_OWK_N;U+:X0'V%6MKCE?V"N7V[_OQIN:?LD3<8"PL8
M>KZR&R&&A>ORLL$=X@X=<`^5FK(.";AD6Y</#*-J7-2U;N!YB=LATMN*8<'>
MPT'KFI2XH.6NP[U0)`RW2(!^WI"!']FZ\CUT'6*/N^&FI-T`%!O2$O$RDMI6
M5RX>MCUE:-."[V<_0N61>[RXH.](R2BGM7"`SE5"+SW/W;D+3.ME1<"!C-UB
MN%[9=_ZBF-ON>CGF\X?@/9_\MGA#]U\8J;Z1'D/8T";9@`VECQ+Z4,E;L-B]
M6'T_-N`'LRI<HUTK?M+]5TRVC8!NQV!(^EI4+P7F)00*-$X02Z:2MB``/JV.
MR),!@:#G\7M/*M&L[#!QXID7^@"W-IB+>R(I;:O<<4&[OPKD'Z@427`@B4#]
MH1XX01K[<?(VBZL4C08+)-!ZR>C>@D,#>_(!R2/H+X#YZ$SI.'E]S2IXE"1W
MDF7D`A<<VO.T]L,H7;I/$&IY`&4*!(_$&:0C\B-")BAYB\D-%P2?5$,6INH0
MNOK_?AQ%RD6ZR##0!627$`.17R+"4"<I+B'S,XMF(]1M7)<OP7!P)O'%H:]O
MG2D,]/$4<:(C\C<1Q36$IAZVF3;ANGH)7MD0S4E9')U3&;N=*<SL<'Z,XY-K
M5=_P56C5^-P233$\;.]7+,&&XG"FIYDI3'10/->KN59-C5X5TVH0G_UHBI./
M*)9@4[&18J8P2O$L/.\Z=B"?5M-YK/LI5#51;KWDE9!GNF3Y1GG[V92+3.E&
MG)G"*.E!:E3S:34*3>G3:C)IHQ:VG-:3=^'U`RW!AN+(TP/+%$8%%J:)<=[S
M:3E*9Z;F:3D)@G.O--'SCXB68%.TL6VF,.HIC/TDTCWETW(2>X8GF,)R![4Z
M#2=]4*+5B%43J,-LBW/<MMPJZ4Z.3Q^.UNFNFNP93/9Q#KJG`DS6`6WQ=\2V
MI.=6BVM8ZCDS>*"8FLWJ0M!A?-UOJ("9.OYLX"\4AL'B.0"N*17'"SG]3W_*
MUO\```#__P,`4$L#!!0`!@`(````(0"L70&`%`8``#T<```9````>&PO=V]R
M:W-H965T<R]S:&5E=#<S+GAM;)29VVZC2!"&[U?:=T#<CZ&[.=A6G-'`:'9'
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M4.CTF3?>QH-(CP_[$IY`IMUIBL/._<2V:>"[WN-#GZ!_R^*UU?YVVE/]^EM3
M[O\H+P5D&^HD*_!4U\\2_;J7A^!B;W+UE[X"?S;.OCAD+^?NK_KU]Z(\GCHH
M=PA/)!]LN__YN6ASR"B$6?%01LKK,PB`GTY5RJ4!&<E^]+]?RWUWVKDB6H6Q
M+QC@SE/1=E]*&=)U\I>VJZO_$&(J%`;A*H@`]>H\7_%UR,+H_2@>*NH?\'/6
M98\/3?WJP*J!>[;73*Y!MH7(\LF"-Y\,'DE>\TE>U%\*=`OE^/[(A"\>O.^0
MPUQ!"4+0`@/$*9%."3$&\4#@H!*>W50IH(KS^;^IE!=1E<)0D""R[O,LGRS5
M#A`!D!I3P/MIDA=!J;4,0)H"FH0$H4"#(DJD-H*(A""Z2'MV)+QSX7F'\C`>
M&;=.$(K[$L=K(0(#2`G`&8O"03R1!DOJ?FD2-J2Q(!X"]VLP00CN/^@WM=D(
M(BZBXN[K`7G1N\5%R";21A"1,15I+ZZ$:0:C>&TD$)D(VY?[S#>:(R6`S^/X
MC=I*E]-&B%V9A*DRZ(DQ,-86(3UMH8&D5H0D;K-$GH0G\HR%E2!DE7=#Y&S4
MEBX1QF""W9^XGIY(,[M"459M=H9*-.S!7EN&`YW,%.&;ZTY1=HD8*>@7YYOY
MD\/Z[H7'<+03<=.!IRA+5U#"YVL^]@W-G9S;]\O#*4_D"7]C]"R;>L&D,^P,
ME0A%T"7*R?>^KS)YE;$2><A,J4CI93;Z*%6!YA$JU/"/^T:T?$4#H9"SP2-F
M#%A1\RKZ>91:$2K4\))W&@:GOU[TZ9QF".&2#)@?,6-5I(00\68MQI<,JFZ1
MB;"IB\S,:D6I5@V-@90.I\<::"N6JEMD)&S628PEEBA*+ZYV>U5=C(0)YF$P
M6@V5M\A(V*R3&-E)%(7)B]AX9Z5,MY%-Y`\M1H3Q13[2TT;W3H>THM0<].-Q
MQJ$R<EZ$FH-3:8O\@\_XQW1$*^K6#RS:&*,G)82`UU8Q=@R5)SWA[A'-)3W)
MW!BZSTRB*.N*LS-4XB(7X3,NPD.C>(FB=(E&WZ16A`J$,'H.[QO-7%[U[FA6
ME%4H!II'J%##0^RC6?Y+;11[.IH5I":'8'$PMJCJ$PRC"":$/Q)4W2+CX%/C
MF!G-BE(WY^9_ORDY+[@FGDI;Y!I\UC6,]94H2@V^>$R*2AL&P=/Z5PM4V"+#
MX+.&84YD16'.F*^]>RIE&`65Q<$X>JBR15[!9[W"?&]6%"H3F\`8/"DY'_#U
M&^\`\OU.[U=[&_2T,?.F(UE1:J&),%J;XBC!XO!->8L<0\PXQO2M65'ZC)B\
M!-@94ERQR#5ZVLQ@.'[/A:ZA*%VBT3*I%:$"#<^X;R0+]`[X:7M;5I15*`::
M1ZA08!:L14G33$Y'LD!(]6^X-K]O2RD0B_B-%A:+[**GJ;:9@:PH-=:,-9"2
MLVPL/TW9(I\0LSXQAE:+#RF4Q8V)F*H8$]%4UB*/$+,>8=PX492^CJ9M>S.*
M<=%J#)6XR"W$K%N8,UE1F!OM_1R]@IS5YC65M<@JQ(Q5S,QCI(8FB$8O4,H(
M$`=\-&`B#C95%C1H3T^:P+""1%'6LMH9E(B[-;B9417-L4B+\[EU\OI%[L1P
M^.IH.(J[1`G;)EQ^U6\<3V'WJ#_N#2=@\^::'8MO67,L+ZUS+@X0TE_%,!,:
MW/[!#UU][7<8GNH.MFWZ/T^P35?`5H*_`OA0U]WM@]Q@&C;^'O\'``#__P,`
M4$L#!!0`!@`(````(0`Q;09"%`0```L0```9````>&PO=V]R:W-H965T<R]S
M:&5E=#<R+GAM;)1778^;.A!]K]3_@'AOP!#RI215PVI[*[525?7CF8"3H`6,
M;&>S^^_OF&$!0VKHRVZ`X\.9.?8,L_WXDF?6,^4B9<7.)C/7MF@1LR0MSCO[
MU\_'#RO;$C(JDBAC!=W9KU38'_?OWVUOC#^)"Z72`H9"[.R+E.7&<41\H7DD
M9JRD!3PY,9Y'$B[YV1$EIU%2+<HSQW/=A9-':6$CPX9/X6"G4QK3!Q9?<UI(
M).$TBR3H%Y>T%&]L>3R%+H_XT[7\$+.\!(ICFJ7RM2*UK3S>?#D7C$?'#.)^
M(?,H?N.N+@;T>1IS)MA)SH#.0:'#F-?.V@&F_39)(0*5=HO3T\[^1#:AY]K.
M?ELEZ'=*;Z+SVQ(7=OO,T^1K6E#(-OBD'#@R]J2@7Q)U"Q8[@]6/E0/?N970
M4W3-Y`]V^X^FYXL$NP.(2`6V25X?J(@AHT`S\P+%%+,,!,!?*T_5UH",1"_5
M_UN:R,O.]A>S8.GZ!.#6D0KYF"I*VXJO0K+\#X)(384D7DWB@_KZN3?S5@$)
M%N,L#BJJ`GR(9+3?<G:S8-?`.T49J3U(-L"L(IO_-3((2:WYI!952P$MP([G
M/?'6\ZWS##F,:]`!07`$&I"G(\(APO<;B`,"&Y40>U^E#R[>S_^;2K5(5^GW
M%!P0LJKRK"(+.S<T`9":K@#SBQ5X9P-5$SFD)V@BJW)X0-"\`UKHB-"$T,0!
M25?<-`_5(MB'G?>#R)Z$`X),(DT(321LJJY(<P85>)#!I9Z?`X*6U?[S`M<+
MVLU3I3C4`+Z_<MV&09.VT*6I_(WO+K5H(''5O`!-1I`I?R:$)G(Y%#E^4-6B
M49,19!)I0F@B5</K5!.SR0H\R&#?9`0MT&1_/@]:#]%D#4`6_KK=!9JTM2YM
MFLEJT4#BNF<R@DSY,R$TD02*6C>!TXYRM6K4YAIETFF$Z$)[?</L-,%*WZN(
M?:MK%'I-@I7;.HE6ZX#EW&T9='&JBD_>A@1KOB;.[Y0*/,DURI@])+H/T06J
MTMX1.-%F;`@C)9L@ZKZ*.H\FB"X4:+I"1VQ6Z,%Q:4VJ,XFHVN9!ID.B/??<
M]KM"E]9K*-,.M/IJZTOT7=([T34*A#0=O-<90R-$%WJGO8Q7;H*-8<QL4_NH
MS39!=*&]%C-B-C8%[=AXZX'9B*K-]OQ>[0R)]IRL6R=T:;W&,M'L.QW&=_O?
M@`111K--$%WHG38SP6QL$&-FF]I(;;8)H@F%<>D?3G:%'CW9-0J_R!:ME:A-
M>TK:VHZR</;"T22G_$Q#FF7"BME5S54>]/_F+LY\![*!SW>8M7KW0S4+JOM.
M\P!&L3(ZTV\1/Z>%L#)Z`DIWMH1:P'&8PPO)RFI>.#()0UCU\P)#-X7!P)T!
M^,28?+M0+VC&^/W_````__\#`%!+`P04``8`"````"$`A%72]WT&``"Z(```
M&0```'AL+W=O<FMS:&5E=',O<VAE970W,2YX;6R46MN.FT@0?5]I_P'Q'D-S
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M:EY^+ZO3N0>Y0YB1G-CN\.-CV16040BS\4(9J6@N0`!^6G4EEP9D)/\^_'ZI
M#OUY;_O1)MRZO@"X]51V_:=*AK2MXKGKF_H_!`D5"H-X*H@/[-5];^/%H0@C
M<Q0'&0T3_)CW^>-#V[Q8L&K@F=TMEVM0[""RG%GPTYG!E.28#W+0,!30'<CQ
M[5%XV^3!^08Y+!0H11"4P!WD440V1_C^'>(`P3M+F#MGZ8.*R_E_92D'498^
M8Y`B)![R+&>632X0`I`:3F!K3),<!%)/,B"\V+W/<,AEBJ!@`HHH(M,A"$D(
M,B6ISXX$[VV8[UT>("?HHU,$;0>)0U]LDU&?@7TV!01Q)*(Q`J$&N5I/38(9
M-1%L&34$P?/O_'G>=`A"+J+D9`V8Q96#C.(B2$=2AR`DMY2D7EP)9AF<BXN@
M2-6O*UQ6'1D!N%[LC0!"3=H<ZR'FZI2#.,5P7#U8'`C2Y4^'("23.4FSR'*0
M460$Z4CJ$(2D@*8V3:5>Y0'-<SBK885"G0,AHH1E.2,(/_9]?^SEE!YS"P,]
M[.^LQ8QK""46B-*E3PNA!&7_9DO1K++`KF]HU`JE)8J!EB&4J&SJ$Z*&3*(%
ML$PR&5.!*!0Z=$/0FO;,C"""P-]N1P2E!U.8TI,MT5S20HZ:K4=F&:E"+2<)
M744+H429L:SKW?+=S5S7"J4ENMIC!#,9@^!H"R;!$:4ZN!M''LMU-CQU;R,B
M2>)X]$B:1N8N*_5>M)F`+KI4($J;1AV$$EWPFA4%CBYA*G"=EZB%J8-0HLQO
M#'JC0YCT1A2JZ2?1-HYIKC-!$($?Q^$=0>AY;S*:`3TK[#$T=G*%T@FMA5""
MS&K6%;:'9F(06J&T1'6N1(G*GK^ZDWL2/<ODV(55)A&E"CN,`P;(5!@$>%#Y
M8]%1<M(2)N36U;6'1L)6X]@Z%$E$:;.H@U"B$(83-=>U)T<9W\\42DL4`RU#
M*%%F./JZEAOS%7(C"M6,8[Y%S%248'A3]\::I\28P4BIS3MY;]%H^%Y+H9;3
M@YU1"Z%$%[QFA=1H$;"@[ON]A<VTIS,2150'H429UQBD1FM@1<,*-_40A5)'
MR62[K-A-[T-A^V/546YOLA=OT5[&A:0*&E%:E7400E"^+;Z]H(=1QH)6*!U1
M+80294:C5]E'7S"HK%"J?[LNWY-E%)`D8M2"DI-&\.;^[<M1,Y,9]W0HMT)I
MLXB!EB&4J.STC*BYJ'WT!T-1*]0R"RP;+802A3!3H@:Y)7J625[4/J*4&X<)
MRW1&[R?NS\1FUK+.K/TEBTEFWS(B2IM#'83F<,%J5HB-5F,2&U%:HCH()<JL
MQB`V.H.IMA&%8F^#F'V?D?G3^V(+7ZLMOX'[;W*7`<T7(O\B)U4H;?+08)8A
M-'G,8M:]@?OH$":5=3ZB2EH'(40#9C5ZE0<TSR1OT*E"X2M7$(T:(CEU6S7X
MZ&<5'3!O65?1PRC.,&'K+%6H92$5R]6;F&#!9\P5/8PRNK5":8FN]IE`.L;$
M9PQ:2S3/Y%QK1$T)AFQOFPW/A1?JR>OG!$.7(X"F%%>*+D=QJORX)0T0-:4Q
MOB`JT7402G3!;U:(CC9A*'"Y\X#I:(GJ()0H\QN#Z&@/AC8.Q\62(!YM+13X
M]+:8%S@>%>-):EVVIS(K+Y?.*IIG>0SLP4[M?A6/J%.Q2SUYSLBN9W!T/5QW
M[C?@Y/B6G\HO>7NJKIUU*8\0TMU(:5H\>\8/?7,;CC>?FA[.C(<_S_`_`B6<
M8[H;`!^;IG_]($^W[_]U\/@_````__\#`%!+`P04``8`"````"$`L,NQFYD$
M```W$P``&0```'AL+W=O<FMS:&5E=',O<VAE970W,"YX;6R<6%V/JS80?:_4
M_X!XOR'F(VRB)%<W6-M>J96JJA_/A#@)6L`1)IO=?]\Q)N"!73NW+TF(CX=S
M9CP^X/77M[)P7EDM<EYM7#*;NPZK,G[(J]/&_?NOYR]/KB.:M#JD!:_8QGUG
MPOVZ_?FG]8W7+^+,6.-`A$ILW'/37%:>)[(S*U,QXQ=6P<B1UV7:P&5]\L2E
M9NFAG506GC^?+[PRS2M715C5C\3@QV.>,<JS:\FJ1@6I69$VP%^<\XNX1RNS
M1\*5:?URO7S)>'F!$/N\R)OW-JCKE-GJ^ZGB=;HO0/<;"=/L'KN]F(0O\ZSF
M@A^;&83S%-&IYJ6W]"#2=GW(08%,NU.SX\;]1E;4)ZZW7;<)^B=G-Z']=L29
MWWZI\\-O><4@VU`G68$]YR\2^OT@_X+)WF3V<UN!/VKGP([IM6C^Y+=?67XZ
M-U#N"!1)8:O#.V4B@XQ"F)D?R4@9+X``?#IE+I<&9"1]:[]O^:$Y;]Q@,8OB
M>4``[NR9:)YS&=)ULJMH>/FO`K6*^B!^%R0$]MVX/_.?(A(M[%$\Q:@52-,F
MW:YK?G-@U<`]Q265:Y"L(/)=F>+1:_U,*FB40;[)*&TL4"&@/J];XL?QVGN%
MI&8=:*=`T!,#"".2.T)F4,:EVA\>$.Y90R[&K`.HZL?UN).4DS#)P,<$=E/(
M")%,$4&`@]`I9#E$03*"J8SPTV5UER$GP0+2T^C'3YC#3H&@H'VN%QB16!'4
MA$`RX#9Z-<Q5D."-"SGJF87A''/;*4S<+B0_FB_Q<*(/!W$\FDWUX7#Y]$GN
M(<^/DY9@G/,P))C53F'@YKVP<<JM"&I"H)0O,'O9MO8&D)/&J1^RTW;<3F%"
MU<,AEICH@Z,QJH^1Q=#[B':,:9M7B@1CNH2$0V#%5X%,6;<BJ`F!Z$L_'VV6
M]GZ5D_#:@;UQW*\*9))A15`3`LE88AGF*D@PKL*T7Q6F6S2C[3`Q#5)],)H/
M4Q%?`EN[GG<SX1:-$SYMU@YD2K@=0HT0+$$ZV6CIV!N6*/_#F^6X8SN0+B6*
M1HW[`(;VF-:^AS[#.J2Y_;@.98FZ#GCR&6^@1*%T(>,=U`ZA1@C6(@UNI,7>
MSD39(GSV^_P'_=RAC%I,_MH]_I@@6`O<2==B:1&)MC4U4:"%<N$P&KLP&@_B
M:&P(:#P,XV$^9BX]3ZN"A;ER2#W['S2WR4;;S";RZ1TR8*@/-4*P!.E]FH3'
MW)@HQ]2;(@PGS8UL==0Q21=";;R3_*.IT?"4A+E+\].X6]*OK%+G#(T\;-O*
MDXG)4+O\6R'4&`5KD,ZG:9#Y?Z"1E5_J2^FC1C:Y:J?%"J'$!,%:I"-J6BSU
M4/ZIUV/JSD0WV6#8V#OV:!3[!NVG#IN=YBV(N/]#)MVB;2;=@0Q-FM@AU`C!
M$OZ72?N/F'0'4J\THWY)ND%=IY;EMDSR>&.\86D8)4.=7ZC7^Y+5)Y:PHA!.
MQJ_R;(+`1M[_J\Y-=G!NTAXR>/T`'%M<TA/[/:U/>26<@AUAZGP6PWY9JX,/
M=='P2_LNO><-'%BT/\]P0,7@K7T^`_"1\^9^(8]6^B.O[7\```#__P,`4$L#
M!!0`!@`(````(0"=I#*:<`4``&@9```9````>&PO=V]R:W-H965T<R]S:&5E
M=#8Y+GAM;)R976^K.!"&[U?:_X"X/P%#@#1*<G1"U=TC[4JKU7Y<4^(DJ(`C
MH$W/O]^QAR_;B2%[TS;QZ\G#S#`O<3=?/XO<^J!5G;%R:Y.%:UNT3-DA*T];
M^^^_7KZL;*MNDO*0Y*RD6_L'K>VONY]_VEQ9]5:?*6TLB%#66_O<-)>UX]3I
MF19)O6`76L+*D55%TL#+ZN34EXHF![&IR!W/=4.G2++2Q@CK:DX,=CQF*7UF
MZ7M!RP:#5#1/&N"OS]FE[J(5Z9QP15*]O5^^I*RX0(C7+,^:'R*H;17I^ONI
M9%7RFL-U?Y)EDG:QQ0LM?)&E%:O9L5E`.`=!]6M^<IX<B+3;'#*X`IYVJZ+'
MK?V-K&,_L)W=1B3HGXQ>Z]'?5GUFUU^J[/!;5E+(-M2)5^"5L3<N_7[@;\%F
M1]O](BKP1V4=Z#%YSYL_V?57FIW.#90[@"OB%[8^_'BF=0H9A3`+3V"D+`<`
M^&D5&6\-R$CR*7Y?LT-SWMI^N`@BUR<@MUYIW;QD/*1MI>]UPXI_440X5!_$
M:X/X0-^N>PMO%9`@G([B()&XP.>D27:;BETMZ!KXS/J2\!XD:XC,KVQY]\J`
MAN_YQC>)K:"NH1P?.^*%T<;Y@!RFK6B/(K@%>I$G*V)=X?N]Q`'`GA*N7:7T
MH8JW\]]1\DTRI:\0[%&R$GGF5Q:/WI``(#6/`_!-4.I1!J#>;G^%(I=[%"U'
MHE!6Q":%!`E!QI#F['#QUH;K[<L#-5S)'[U'421*[+NA2C9>7J[<85G"@G::
MC\7%&M:3@H6BI<!:D:%G1$9C7`VQ+T-W2+A$%3Y"Q<4J530$QDJB"#_7)Y$"
M'8^7EZMPH):P(AF+WX_3G<XWJ7@!49*&(BA97_"A7I@XDT*"Y+ZF#(UI2+YI
M\FY`D0G2I)`@GV1(\]W`Q6H&M;L!16V!73>0$QR/EY?1TYT"$YA;X^29N81:
M!=,ZKU5UK4>4VSB6UI>KT0R2,D84,YA`P_$M3Y!@N&J\*41,\!1#VQDE,B`?
MSP\W'L&A/C&'6Y41%`/=ELB@?&:/0"<RB1->SJ36?:3S`>ZWH7)WQ]+J:"3*
M6(#^`!973_<>JG`8ZUCCU;M8BD/,&WK\`4S'4_*R;U6`<7?L&25R_A33F`F*
MDW^J_U!E!#5)9%#%1B;Z[Y9_Z/V'JF[\:0\#9+R^]/S!_V0TQ3PFT'#<*[?&
M$+H=,ITI\%M#?R`@N(SD)%@-OB>3*8XQ\UGXEG5$ZH,F096QNB:)!.HI%C*O
M#<6N20-N5290HT0&?<A0O%N&HK5AJ^K:4'-A:?U^&WI\EL^>T$*MCL)0;<-6
MU3V7*CT0M\M3;>@IWC&O#<4NE3!2W;A5&:O;V<RM@2E7%\*,4SBS#?FNZ39$
ME1'4))%!%7\QCQS^95KS%;T-477']MH88_Q@>%R4X11/F8!#"YB8AUYG%.*K
MN?*8VB\.!;[+IMC(S`K?LI-H*6/L/52-4S3,9?P^8I3(251,928H^L*$,7N=
MN0SYTD!-$AE4\9B):M_R%KT5=>,8%;1-9:?A'1&,SFHD.OXE3KVCIT^#Q"YM
M]`SMCA[=JDSU-DID4,58YM7;1X.9J'>K,H)BH-L2&?0AF_&Y6LVD5N]6-?YT
MK=Z]1M0[&&X^F>Y_68V/#B'/H$BY)_:M:DRI2&*C1`:%,&IC\FXQWSX^WS5I
M-:W*"(J!;DMDT(>L!LZLY]2[LYIA`.GU1@V>U&G?L_!@&\]]"UJ=:$SSO+92
M]LX/K3TX*>O?Q0/U/5GO/7XJJKP?PT&[>-_I%^"<^Y*<Z.])=<K*VLKI$4*Z
MBPB`*CPIQQ<-NXC#V%?6P`FW^/,,_]&@<.KJ+D!\9*SI7O"S^/Y_)+O_````
M__\#`%!+`P04``8`"````"$`A;P!1B@)``#-0P``&0```'AL+W=O<FMS:&5E
M=',O<VAE970W-"YX;6R<W%USVC@4!N#[G=G_P'"?@&P@329)I]B6+=L[L[.S
M']<$G(0I8`8[3?OO]\@RQI)!+]"+ID&/3FT=2XACX/'KS_6J]R/;%<M\\]1G
MM\-^+]O,\\5R\_;4_^=O?O.EWRO*V68Q6^6;[*G_*ROZ7Y]__^WQ,]]]+]ZS
MK.Q1A$WQU'\OR^W#8%#,W[/UK+C-M]F&6E[SW7I6TJ^[MT&QW66S1=5IO1HX
MP^%DL)XM-WT5X6%W3HS\]74YS_Q\_K'.-J4*LLM6LY*.OWA?;HM]M/7\G'#K
MV>[[Q_9FGJ^W%.)EN5J6OZJ@_=YZ_B#>-OEN]K*B\_[)1K/Y/G;U2R?\>CG?
MY47^6MY2N($ZT.XYWP_N!Q3I^7&QI#.0P][;9:]/_6_L(75'_<'S8S5`_RZS
MSZ+U[U[QGG^&N^4B76XR&FW*D\S`2YY_EU0LY$/4>=#IS:L,_+GK+;+7V<>J
M_"O_C++EVWM)Z1[3&<D3>UC\\K-B3B-*86Z=L8PTSU=T`/1W;[V4EP:-R.QG
M]?-SN2C?G_KNY'9\-W09\=Y+5I1\*4/V>_./HLS7_RG$ZE`JB%,'<>GHZW;G
MUODR9N/)!5%&=13ZV40Y^Q#H8*OSH)]-YXO/8U('N6L'N?@\:&I5AT(_FT,Y
M^SSNZ\[TL^E\\7DPNHQ45BDSAS#GGLE`72/5)>?/RMGSXR[_[-$\IJN@V,[D
MJL`>&(7>7VSJTF@NOU-7'UUV,LHW&:8*1A=605/FQS-SV?!Q\(.N\WF-I@K1
M&!X074XZ\O9(7M<RM&\^$)@/</.!T'P@,A\0Y@/Q_H'6L>D'ENS%_L#2U@,#
M&LUF2&D4.T/J4OJ.S]_]",I>^@BZCGX$TRXQA-<5C(WO]#!^%XUT$70%A?FB
M(]Y%KJN3L$LHSKV.HF-H8EPZXBAB>J2XBXSQ2;K"/.:T2^X/4;0\T])X19YE
M+UJ1VY/`&1NG.U6(5LUFIIC3!`H?B@`*#D4(102%@"*&(H$BM0DMKS3LG;R.
M3C[_[N>O[/74IZNG21FM@,85.E7H3BV00R/KGFJEOYL01M9]*`(H.!0A%!$4
M`HI8B1-CD<#^J4UH^:34:?FTK\-2=_)X6`&JYZ2I0G0$IS+E0>%#$4#!H0BA
MB*`04,1=P9AK/&$D761<WJE-:"FE7=T%*97:2.G07/>G"DWV4].<FZJYG?'Q
M6'_Z\?=$[GYNF+FF!^WFSHK/VZTW8[-SV&ZFEV/Z_QRU6\=FJVBWTN9=[QNK
MUOJ\F=DY:7>^NS,ZI^W.[KC5K&6+]MX79$MJ(UO.%W,"*M1.AW$M>5#X4`10
M<"A"*"(H!!0Q%`D4J4UH^92%!O,U`][@REYPXZ.0+:]0^%`$4'`H0B@B*`04
M,10)%*E-:'FE%ZA7Y%7V,N:KRXQ7`E.%3JZNJMF2=A^*``H.10A%!(6`(E;B
MU&`D,$!J$UI&9=5`2ZE][U-Q(Y=48="?,::ULF3+P\3'),"$8Q)B$F$B,(DQ
M23!)K41/KBQ`7+X.,U6WH)=#S>:5"H/&EF):*VN252`+\7&4`!..28A)A(G`
M),8DP22U$CW)LAYQ19)5&<-X.6JNRK+@1VOWJ-KT=JX!KVD^7"G&+LO'),"$
M8Q)B$F$B,(D;(K?QG3%)FN:38Y):B9Y<69-H)Q<LSZJ$H275N3=K#,Q6Z*A>
MOGJ8^)@$F'!,0DPB3`0F,28))JF5Z,FEA5%+KBRMXVTRD]W@/KE6EK77P\3'
M),"$8Q)B$F$B,(DQ23!)K41/LBQ9M&?PF4E6E0YM)G<WS?*F7[,\=UZ:>TWS
MR:7(QR3`A&,28A)A(C")&U+=8^J4*YKFDV.26HF>7%G>:"<7+,^J&J(EE8V,
MNR]3MJ^HG#Q"#Q,?DP`3CDF(282)P"3&),$DM1(]N;+<T4[NF3-754G0[ME6
M2ZF?@R'Q&20!)AR3$),($X%)C$F"26HE>I)E[:.=9#"#5:E$F\'=2C&S%53J
MY$+BXR@!)AR3$),($X%)W)"J`.XPL_ZOMX_,^P-IW5[71=S)X:ZTGE-9_6CG
M],R)JXHF6FZ9:]R,GK)]:>7H[M]KFD\NWCXF`28<DQ"3"!.!2=R0HV.2-,TG
MQR2U$BVYCEFP.B^Y53>C<.6RPP6D[MK5RK9IQL3'),"$8Q)B$F$B,(DQ23!)
MK41/\G6%*^>LPE6MK$G&A2L<)<"$8Q)B$F$B,(DQ23!)K41/,JVT5RS3CNS6
MF<EF";I6UB2K0!;BXR@!)AR3$),($X%)7!-V/ZY*>L-;8^`2'".U$CW%9OGJ
MS,7Z2!G+949E<>K@,A8F/B8!)AR3$),($X%)C$F"26HE>I)I!ETSCV4W6,9R
ME+),4@\3'Y,`$XY)B$F$B<`DQB3!)+42/<G7E;'D.\'/6*SW9:R3&T2O#F2Y
M#GQ,`DPX)B$F$28"D[@FK<6:WKO3_F/L7Q,<,[42/>5F<>O,Q?M(D<L9F_<@
M'%SDPL3'),"$8Q)B$F$B,(DQ23!)K41/LJP@7?Y:V5&%)U#DJI5ETGJ8^)@$
MF'!,0DPB3`0F,28))JF5Z$F^K,CEG%7DJI4UN;C(A:,$F'!,0DPB3`0F<4WJ
M(M6$=3;8:E#V;^X9&[?<4[W__>A0)--S:A:Y[(5+YTAQRQF;;YJLE36G^_K7
MR>=J'T<),.&8A)A$F`A,8DP23%(KT9(K;P)?L2I7W>"6NE:V)&/B8Q)@PC$)
M,8DP$9C$F"28I%:B)]DL<MEGL*MJ4EIYNGOKH5;6Y.+B%HX28,(Q"3&),!&8
MQ`VI;CT<UM2J[IOHK>[$6+-3O9VUWO"H9]2L:(&,'JED.>;SP=2%92H/$Q^3
M`!..28A)A(G`),8DP22U$CVYU]6R7%6E`COE6EFGK0ID(3Z.$F#",0DQB3`1
MF,28))BD5J(GF897>^(%,UARHQ9]9$U6RI(YC[XM0`:R$!^3`!..28A)A(G`
M)*Z)^H#?S9WQ!N-$;V:.<2=6?L."'+.Z.SOL955&U;<GJ(^RK[/=6^9EJU71
MF^<?\IL1'"I_-X^J;VV8L@?ZU#=]>-MX/*9O<Z@>'S0-]&4*V]E;]L=L][;<
M%+U5]DHAA[=W5,?:J:]C4+^4^;;ZQ/9+7M+7*%3_?*>OS<CH4^M4>>_W7O.\
MW/]"__&@^2*.Y_\!``#__P,`4$L#!!0`!@`(````(0"CI@^K*@0``"</```9
M````>&PO=V]R:W-H965T<R]S:&5E=#<U+GAM;)176X^C-A1^K]3_@'@?P.:2
MBY*L-DRG7:F5JFJW?2;@)&@`(TPF,_^^QSX,8&<6,O.0"?CSR7>^<[,W7U[+
MPGIAC<AYM;6)X]D6JU*>Y=5I:__X_O2PM"W1)E66%+QB6_N-"?O+[M=?-E?>
M/(LS8ZT%%BJQM<]M6Z]=5Z1G5B;"X36K8.7(FS)IX;$YN:)N6)*I367A4L^+
MW#+)*QLMK)M[;/#C,4_9(T\O):M:--*P(FF!OSCGM7BW5J;WF"N3YOE2/Z2\
MK,'$(2_R]DT9M:TR77\[5;Q)#@7X_4J")'VWK1YNS)=YVG#!CZT#YEPD>NOS
MREVY8&FWR7+P0,IN->RXM;^2=4Q6MKO;*('^S=E5C+Y;XLROOS=Y]F=>,5`;
MXB0C<.#\64*_9?(5;'9O=C^I"/S=6!D[)I>B_8=?_V#YZ=Q"N$/P2#JVSMX>
MF4A!43#CT%!:2GD!!.#3*G.9&J!(\JK^7_.L/6]M/W+"A><3@%L')MJG7)JT
MK?0B6E[^AR#2F4(CM#/B`_MNG3IT&9(PFK?B(B/EX&/2)KM-PZ\69`W\IJ@3
MF8-D#9:E9Q'H\[%GX)+<\U5N4EL!+2`<+SOBD\7&?0$-TPZT1Q"40`^B.B*^
M1?A^#W&!8,\2?#=9^K,LY2:=I6\PV"-DJ726GL6C%QH!D&9,8%H>"880CSP'
M>9:]9TK#/8*"$2C2$?$40B,'1NXG)\%;&_SLPP+D5OI/[Q&T4*&ERP71E^/Q
M<K@D0;^LT8+4OI^6!.NT(F((LD=,A`GGF0D7:\N4#H)KK*+/L))@G17QJ=>[
MBY%$4(!B45.K\2I9#@FHD5KHI&05SN>WW*23"Q:#T\@-,2A90#PCSO%X>4'I
M3P(IQYC1(P(0>[H(Y":3G?'S>\205:BT"QVRTOZ6OST,_4#Y$^L[/,<;Y-8$
M7>F4IZE*L$Z5D,!L9PB"S._KQDC/>`JAD2/0NL:"3K-3Z-EVTJ&F^$U"=(+&
M5)@AB'U\IJ401(T)AJ%>2?$T1J<H.[61E/,E0["_:U1I..00%DV'&E,U8ST)
MT8G*-CXB.J,E-GWX[-/L@]E!ID8#%LHD1"<(?GZ"H$0;Q7([/PBBNE8=F7,W
MUM:#B`YEKE.3+?U^[7``C(-[.T/DL0WX8[?V@Z'C=;+A<D><_*R]D$]-$84V
M-*/A,`JZK'N?%$/H;[)N"J(K9TR4F:S#.3"7=8B:+(LIB$[0&"HS!&^GR0>G
M%H*H+GC4-\9-K*^3U5#W.K5/#0^X=Y@%\4'6(0@/5-%B2/<NZ\;+A`ZC!WGA
MO02/[25K3BQF12&LE%_DG8/"\.S?XGUH3]9PM(5[B/$^AGN2>N_V"W!-J9,3
M^RMI3GDEK((=P:3G+*`.&KSHX$/+:W66/O`6+BCJZQDNI`P.S9X#X"/G[?N#
MO$KU5]S=_P```/__`P!02P,$%``&``@````A`*5^4HL,!```'!```!D```!X
M;"]W;W)K<VAE971S+W-H965T-S8N>&ULE%==CYLZ$'VO=/\#XKTAAB1LHB15
MP=K;2JUT=74_G@DX"5K`"#N;W7_?,4[`-EE,7W8#<SR<,Q\,L_WR5A;.*VE8
M3JN=BV9SUR%52K.\.NW<?_]Y_OSD.HPG5984M"([]YTP]\O^CT_;*VU>V)D0
M[H"'BNW<,^?UQO-8>B9EPF:T)A58CK0I$PZ7S<EC=4.2K#U4%IX_GZ^\,LDK
M5WK8-%-\T.,Q3PFFZ:4D%9=.&E(D'/BS<UZSN[<RG>*N3)J72_TYI64-+@YY
MD?/WUJGKE.GF^ZFB37(H0/<;6B3IW7=[,7!?YFE#&3WR&;CS)-&AYK6W]L#3
M?IOEH$"$W6G(<>=^11N,0M?;;]L`_9>3*U-^.^Q,KW\V>?8CKPA$&_(D,G"@
M]$5`OV?B%ASV!J>?VPS\U3@9.2:7@O]-K]](?CIS2/<2%`EAF^P=$Y9"1,'-
MS%\*3RDM@`#\=<I<E`9$)'EK_U_SC)]W;K":+<-Y@`#N'`CCS[EPZ3KIA7%:
M_B]!Z.9*.O%O3A;`7MK]Y<Q_6J+ERN[%DXQ:@3CAR7[;T*L#50//9'4B:A!M
MP/-=F>31:?U(*F@43KX*+ZTO4,$@/Z][%/AHZ[U"4-,;*)(@Z(D>I"/B.T)$
M4/C%R@T/"'>L(18FZP"R^C@?=Y+BD$XR\'4"T1!B(.(A(@AT)W@(6?=>-!G!
M4,;BP[*ZRQ"'=BX\I`]CX/</:`,721`DM`.M=):Q%8''$)H,>(R:C?$L"##4
MO\(,S4.#7"1!8_2M"#R&T.A#Q*?3%^!!](T*B"1HT3:"D9EXQ(95V[++ET9V
M]3MD!5@GNYS/.[^R4B0FE$V[,GHVUJUK_2Q6K?Y3V+O6*(>_0UF`3<H&J4AB
MU.J`M\U"YQ9/`6$+2),AAKGQIK2_<\0A70Y0[5,K4R!!JAZC'V(K`H\A-!EK
M7<9XLPJPM5DE:(R^%8''$!I]!*]Y-0WC_%OT(/YFN]Y0C_M5,QJ5B#OCH_>L
MSEN,,J5\++SEX%-?\L/.11(D:0\Z5[,B0S+NK';B8IQ-)RZ'GT[<B%J$)$BM
MF`<-/`F%'Z#ZYM$S(.:9(D1\ZMBG+9)34!4$7/M'R`Z^H51%!B2V0_`H1-<"
M3U*U6*I)H*UMC"1J5(,5@D>]Z!K$M%/R8=$@9Z.1!Z.L(_%1#DH_Z&35:(P+
MW)VT-X28>M-YRQFI\G[0R>H@A9V@'Z1M><5(M0=A:'Q3X)O]<>KTH(N)-YV\
MG(\Z^4$W6X;H3<(4E%CB9/X^SH)<TN0.4Y+F1&)2%,Q)Z44L8`B^8[J[<CF,
MQ'+8KG>=`7:S.CF1GTESRBOF%.0(1^>S$`JDD=N=O."T;A>&`^6PE;4_S["%
M$UA-YC,`'RGE]PNQ/W9[_?X7````__\#`%!+`P04``8`"````"$`+G%*=#<#
M``!Z"0``&0```'AL+W=O<FMS:&5E=',O<VAE970X,2YX;6R4EEUOFS`4AN\G
M[3\@[LOW5U"2JJ'J-FF3IFD?UPZ88!4PLIVF_?<[QBG%SIHE-VVP'[]YSVOL
MD^7M<]=:3YAQ0ON5[3N>;>&^I!7I=RO[U\^'F\RVN$!]A5K:XY7]@KE]N_[X
M87F@[)$W&`L+%'J^LALAAMQU>=G@#G&'#KB'F9JR#@EX9#N7#PRC:ES4M6[@
M>8G;(=+;2B%GEVC0NB8EOJ?EOL.]4"(,MTB`?]Z0@;^J=>4E<AUBC_OAIJ3=
M`!);TA+Q,HK:5E?F7W8]96C;0MW/?H3*5^WQX42^(R6CG-;"`3E7&3VM>>$N
M7%!:+RL"%<C8+8;KE7WGYX7OV>YZ.0;TF^`#GWVV>$,/GQBIOI(>0]JP3W('
MMI0^2O1+)8=@L7NR^F'<@>_,JG"-]JWX00^?,=DU`K8[AHID87GU<H]Y"8F"
MC!/$4JFD+1B`OU9'Y*L!B:#G\?^!5*)9V6'BQ*D7^H!;6\S%`Y&2ME7NN:#=
M'P7Y1RDE$AQ%0G!_G`^<((O]./F_BJL<C07>(X'62T8/%KPU\)U\0/(=]'-0
MEI6%D,^_*X.2Y)H[N6A<"C2'[7A:^V&4+MTGR+`\0AL%P1&8H$`GBE,B#"?$
M!8.32ZC]>I=RD>XR-!QL%)*-.<O*BMF`9@"BF1LX'X^$(<99Y7$8386-$6X4
M$\V81">*<X3F#40N]R;AE0UE3KL2A['^S1O%I&ICX\CSC-@*'4B"X)UM@Y?[
M<F<2-IT9F6P4DXS.LF@1&//%?#[QT_0M=2VQY!I?$C9]F>^Z8HZ^TB0V$BVT
M^<2?):[Y2J_Q)6'35V;LI&*4K\!?9)ZO`X4.Q%GJ38#F3':RJZ\)N<ATN)CT
MU3E0C'(8I4%F)%O,Y\,X#-_6:_X6NK_SYU/"AJ_HK6[E2S''Y!(/KEG=>*$!
MF1<NWCD#T)>TZ,Y;&VG=6V):.S+J?&9Q%`?F^=2),$YGUX^*3;4ZU0DZS':X
MP&W+K9+N91L+X(!-HZK%;OP<;DMH;<9X`:UW''>G">A\`]KA;XCM2,^M%M<@
MZ3DI'$ZF>J=Z$'08K^<M%=#SQH\-_,;!<`][#L`UI>+U07;GZ5?3^B\```#_
M_P,`4$L#!!0`!@`(````(0#@!N;N600``,,1```9````>&PO=V]R:W-H965T
M<R]S:&5E=#@P+GAM;)Q848^C-A!^K]3_@'B_@"%`B)*<#JQM3VJEJNI=GPEQ
M$K2`$2:;W7_?,4,2;'+`]26[9#X/WS?SX<'9?'XO<N.-U2+CY=8D"]LT6)GR
M0U:>MN:W?UX^K4Q#-$EY2')>LJWYP83Y>??K+YLKKU_%F;'&@`REV)KGIJG6
MEB72,RL2L>`5*R%RY'61-'!9GRQ1U2PYM(N*W')LV[>*)"M-S+"NY^3@QV.6
M,LK32\'*!I/4+$\:X"_.625NV8IT3KHBJ5\OU:>4%Q6DV&=YUGRT24VC2-=?
M3R6ODWT.NM_),DEON=N+0?HB2VLN^+%90#H+B0XUAU9H0:;=YI"!`EEVHV;'
MK?F%K"D)36NW:0OT/6-7T?O?$&=^_:W.#G]D)8-J0Y]D!_:<OTKHUX/\"A9;
M@]4O;0?^JHT#.R:7O/F;7W]GV>G<0+L]4"2%K0\?E(D4*@II%HXG,Z4\!P+P
M:129M`94)'EO_UZS0W/>FJZ_\`+;)0`W]DPT+YE,:1KI132\^!=!I$N%29PN
MR1+8=W%GX:P\XOG362QDU`JD29/L-C6_&N`:N*>H$NE!LH;,-V7(XZ[U1U)!
MHTSR169I<X$*`?UYVQ'7#3?6&Q0U[4`1@N"9>(!41'Q#R`K*O+3WA06$[ZRA
M%CIK%[KZO!\WDG*12M)U5`+1$*(AXB'"==4D=`@)'UD4&>[_D2$7@8'Z9727
MMLHA0A`T]%YK7T7$DP@ZAE!DP&WZW1CO@@1O3:C1G1EQET0E%R$H:)WD^G[@
MJ?%8B;NAK<FG&(?/^TT>\A7J\/CUJ4O[3QM)+E(E>$Z@,HP0X[<*'-?S'O=O
MG1TK<8?8#X>@\S$^0X&O*A@OO@3KS%<:<\0@<^(2HCW&L1(G0:BMIQB?P3SX
M&>82K#('VVA%BQ#440]T5\1*V-/#](=AQ3%RIO<VS/%Z2_"`M;9?1`AZ7C`T
MRR2"CB$4^J%*?Y[AY:+)+0=!8S(F$70,H<@@L-O/;T.+'O1!WW0Z5&<?Q]:,
M'4_$:1=_7@&5O9QKLTU$<`IJ6^92>VP[U/.[HXVF(704HFJ08ZZG89Z3"`['
MB>G5H4:U8*(1"!W-HFJ1HZZG9?RA)C@8M7X,W(2H;@)X@:=M5G&7I@,LEZX^
MQ#K`<XDJ?\#\!'^)'CP-VHB-"**>W[WSTR2$CF91-<B)U^O!3#_AG)SRT]@T
M[;1,0JA\XX>Z/:^(JD7.P)Z6"3_AQ)SR4W_NKD(RL%,_'GB!%J<$XW/8RT$X
MGSV.38V]]KH3$40]OWO7@4D('<VB=D`.Q)Z&F6[",3KEIK%AVVF9A%`R!E&U
MR*G8TS+A)IRA6C\&NQ.B\`U[96NO)#$<IJ75,>R'@YT)P\^[B=SQ+(U'S8+5
M)Q:S/!=&RB_RG$S@O?C^+9[A(WF&;T_A]P`<H:ODQ/Y,ZE-6"B-G1UAJ+P)X
M#FL\A.-%PZOV7+?G#1R>VW_/\&,)@Q.DO0#PD?/F=B&/^?>?7W;_`0``__\#
M`%!+`P04``8`"````"$`<'$[A]L"``!Y"```&0```'AL+W=O<FMS:&5E=',O
M<VAE970W.2YX;6R4EEUOVC`4AN\G[3]8OF^^$R@B5(6JVZ1-FJ9]7!O'(5:3
M.+)-:?_]CF.^$K>EO2&$O.?E\7L.-O.;IZ9&CTPJ+MH<AUZ`$6NI*'B[R?&?
MW_=74XR4)FU!:M&R'#\SA6\6GS_-=T(^J(HQC<"A53FNM.YFOJ]HQ1JB/-&Q
M%IZ40C9$PZW<^*J3C!1]45/[41!D?D-XBZW#3+['0Y0EI^Q.T&W#6FU-)*N)
M!GY5\4X=W!KZ'KN&R(=M=T5%TX'%FM=</_>F&#5T]FW3"DG6-:S[*4P(/7CW
M-XY]PZD42I3:`SO?@KIKOO:O?7!:S`L.*S"Q(\G*'-^&L]44^XMYG\]?SG;J
M[#U2E=A]D;SXSEL&84.;3`/60CP8Z;?"?`3%OE-]WS?@IT0%*\FVUK_$[BOC
MFTI#MU-8D%G7K'B^8XI"H&#C1:EQHJ(&`'A%#3>3`8&0I_ZZXX6N<AQG7CH)
MXA#D:,V4ON?&$B.Z55HT_ZPHW%M9DVAO`M>]29AY291.IA]QB?<N<#VX1%XT
M3<,TN\SBVW7U,=T1319S*78(1@_(54?,((<S<#;Y)*_F`\&8FEM3U)>"6D%/
M'Q=A'(=S_Q$Z0?>BY0NBH6)U4)@&`LZ1"7(:,\70^9=[=F`R14.F.!I^W]*5
MC!0K5Q''1Y,!(V0U9KR<FRF""<+HF%N271_]^VR75I.<:;*A8O668L`()A]G
M-$4YAB".C-#;44Y+*SJ'!-$IJ7XE*U=T6LF`$^9MS'FYWZ;(X4R&42VM:-*/
M:)0&PZ<K^_1\%:\`9BY@=G$@39$#F`X1EE9TC@!!GBALD*[HI!@$.7$Y+P^E
M*7(X)R-.*[K`Z8I>X32'Z]FF\_8/VX@=ONF(SXILH^-D-`9PP!@+^S1,@],<
MV/3LZ6&WQ8YLV`\B-[Q5J&8E_`@";P*#(NW986^TZ/JM9BTT[/G]VPJ.>`9[
M8^"!N!1"'V[,YG;\T[#X#P``__\#`%!+`P04``8`"````"$`\8@.Z,T"``#(
M!P``&0```'AL+W=O<FMS:&5E=',O<VAE970W."YX;6R455MOFS`8?9^T_X!X
M+^92<E-(58*Z5=JD:=KEV0$#5@$CVVG:?[_/.!`,Z^TEP?CX^)SSV1_;FZ>Z
MLAX)%Y0UD>TYKFV1)F49;8K(_OWK[FIE6T+B)L,5:TAD/Q-AW^P^?]J>&'\0
M)2'2`H9&1'8I9;M!2*0EJ;%P6$L:F,D9K[&$(2^0:#G!6;>HKI#ON@M48]K8
MFF'#W\/!\IRF)&'IL2:-U"2<5%B"?E'25O1L=?H>NAKSAV-[E;*Z!8H#K:A\
M[DAMJTXW]T7#.#Y4X/O)N\9IS]T-9O0U33D3+)<.T"$M=.YYC=8(F';;C((#
M%;O%21[9M]XF6=AHM^WR^4/)28R>+5&RTQ=.LV^T(1`VE$D5X,#8@X+>9^H5
M+$:SU7==`7YP*R,Y/E;R)SM]);0H)50[!$/*UR9[3HA((5"@<?Q0,:6L`@'P
M:]54G0P(!#]U_R>:R3*R@X43+MW``[AU($+>445I6^E12%;_U2#O3*5)_#/)
M-:@_S_N.OPJ]</$V"]**.H,)EGBWY>QDP:&!/46+U1'T-L#<.],Z!J\O606/
MBN16L71<X$)`>1YW7A"X6_0(H:9G4*Q!<"4N(!.Q[Q$J0<6;C%X@$#RHABRF
MJ@.HZO_KT8M4BTR1@6\*B.>0"6(_1P2!29+,(>L+BV$C,&V\+E^!X>",XW.7
M*W/O6(.@D$/&"Q.Q?Q.1O(8PY,,V'Z^"6A39D-&@,/2N38VQQBSU09IZW(]G
M_<`SUR;CV6!Y<6\HAULW5OYZ\`H\51R:N\8:`WM?7$T@^[<A20]1%^C*6RR'
M30SQBX^(5^"I^`MO=\MBC7DI[O'L/&YCUEU/%.N.JAM.37A!]J2JA)6RH^J6
M'A1X>*L;>0R-O&M[:)B`1MKB@GS'O*"-L"J2PU+764)87+=B/9"L[6[W@4EH
MH=UC"5],`GW$=0"<,R;[@6KVPS=X]P\``/__`P!02P,$%``&``@````A`&;F
MD-3C`@``C0@``!D```!X;"]W;W)K<VAE971S+W-H965T-S<N>&ULE%;;;J,P
M$'U?:?_!XKV82\E-2:HFJ+N5=J75:B_/#ABP`AC93M/^_8YQ0G%H2?<EB9GC
MXW-F!D^6=\]5B9ZHD(S7*\=W/0?1.N$IJ_.5\_O7P\W,05*1.B4EK^G*>:'2
MN5M__K0\<K&7!:4*`4,M5TZA5+/`6"8%K8AT>4-KB&1<5$3!4N18-H*2M-U4
ME3CPO`FN"*L=P[`0'^'@6<82&O/D4-%:&1)!2Z)`ORQ8(\]L5?(1NHJ(_:&Y
M27C5`,6.E4R]M*0.JI+%8UYS078E^'[V;TERYFX7`_J*)8)+GBD7Z+`1.O0\
MQW,,3.MERL"!3CL2-%LY]_XBGCIXO6SS\X?1H^S]1K+@QR^"I=]832'94"9=
M@!WG>PU]3/4CV(P'NQ_:`OP0**49.93J)S]^I2PO%%0[`D/:UR)]B:E,(*%`
MXP:19DIX"0+@$U5,=P8DA#RWWT>6JF+EA!,WFGJA#W"THU(],$WIH.0@%:_^
M&I!_HC(DP8GD%M2?XH$;S"(_FEQGP491:S`FBJR7@A\1-`V<*1NB6]!?`//9
MF='1>7W/*GC4)/>:I>4"%Q+*\[3VPV"ZQ$^0U.0$VA@0O!*O(!NQ/2-T!C5O
MW'N`07"G&G)QJ3J$JKY=C[-(O<D6&0:V@,T0<H'8#A%A:)/$0\C\E<6R$=HV
MQN5K,#1.+WV1[]E';PP&ZMBE>&(CME<1\1C"4@_'](LPKEZ#5PZDIE,&'3*S
MQ6T,:&H:Z'9VX6[;#T?SR-X<]Z,^O%E=V!(-[UM?M.[WZYVC-PW$S[L#VE[=
M&!"HZ!Q>YOXJ(AY#6#8FMHWQW&OPM<XQF#'U5Q'Q&,)2/_T?]1H\2/YEYQC0
MNYW3#P\[IQ]]HW/,6#"W9D5%3K>T+"5*^$%?^3YT:_?43*,-3*/V[L9=`*9!
M0W+ZG8B<U1*5-(.MGCN%@@LS3\Q"\::]HG9<P1QH?Q8P]BE<AIX+X(QS=5[H
MB=7]D5C_`P``__\#`%!+`P04``8`"````"$`UNIB:_4"``!'"```&0```'AL
M+W=O<FMS:&5E=',O<VAE970Y.2YX;6R45EUOFS`4?9^T_X!X+V`^DA0EJ1JJ
M;I,V:9KV\>R``:N`D>TT[;_?M9T03-:L>4F"?>[QN>=>KK.\>VD;YYEP05FW
M<I$7N`[I<E;0KEJYOWX^WBQ<1TC<%;AA'5FYKT2X=^N/'Y9[QI]$38AT@*$3
M*[>6LD]]7^0U:;'P6$\ZV"D9;[&$1U[YHN<$%SJH;?PP"&9^BVGG&H:4OX>#
ME27-R0/+=RWII"'AI,$2](N:]N+(UN;OH6LQ?]KU-SEK>Z#8TH;*5TWJ.FV>
M?JDZQO&V@;Q?4(SS([=^.*-O:<Z98*7T@,XW0L]SOO5O?6!:+PL*&2C;'4[*
ME7N/TFSA^NNE]N<W)7LQ^NV(FNT_<5I\I1T!LZ%,J@!;QIX4]$NAEB#8/XM^
MU`7XSIV"E'C7R!]L_YG0JI90[0024GFEQ>L#$3D8"C1>F"BFG#4@`#Z=EJK.
M`$/PB_[>TT+6*S>:><D\B!#`G2T1\I$J2M?)=T*R]H\!H0.5(0D/)!&H/^R'
M7KA(4#+[/XMO%.D$'[#$ZR5G>P>:!LX4/58MB%)@5IG-W\P,4E(Q]RI(AP):
M0#6>URA.T-)_!@_S`VAC0/`&#*#01F3GB"@:(#X('%1"[E.5$53QW_X?5:H@
M6V4T4;`Q$-TY.K-LM&`)`&NN%Z""5BY0#@Z@.)H-&>H3-P84CT`31'8)88D$
MDNM%JB#HQ]'Y\WAJD\%<TG@)86F$WAIKO%Q!!;8-G,>G#C'^&<Q86Y+8%F<&
M,M>->K,8-BU=LVMT*?!45SSP&ET&$YM#T:V]FUF[T1N:YM=H4N"IIDDG;0QF
M9M[8``7SB2IK/X[0R4C+*W6KC6;&Y1HJL*T+9H5][L9@3(%0$"Q.?IBWTMJ/
MP]G)3:/+#&XSUUK"*Y*1IA%.SG9J*(>0[[!J[HL-2N'=AT$]6<_@'M'K_K`!
M<[S'%?F&>44[X32D!,K`4T.2FYO`/$C6ZV&S91(FN/Y9PX5-8%X&'H!+QN3Q
M0=TUPU^`]5\```#__P,`4$L#!!0`!@`(````(0#^X1K?E@(``'L&```:````
M>&PO=V]R:W-H965T<R]S:&5E=#$P,"YX;6R455UOVR`4?9^T_X!XK_%'[+16
MG*I)U6W2)DW3/IX)QC&J,1:0IOWWNT#K)LZ4=B^)@7./SSWW7KRX?I0=>N#:
M"-57.(EBC'C/5"WZ;85__;R[N,3(6-K7M%,]K_`3-_AZ^?'#8J_TO6DYMP@8
M>E/AUMJA),2PEDMJ(C7P'DX:I26UL-1;8@;-:>V#9$?2."Z(I*+'@:'4[^%0
M32,8OU5L)WEO`XGF';6@W[1B,"]LDKV'3E)]OQLNF)(#4&Q$)^R3)\5(LO++
MME>:;CK(^S&94?;"[1<G]%(PK8QJ;`1T)`@]S?F*7!%@6BYJ`1DXVY'F385O
MDG*=8[)<>']^"[XW!\_(M&K_28OZJ^@YF`UE<@78*'7OH%]JMP7!Y"3ZSA?@
MNT8U;^BNLS_4_C,7V]9"M7-(R.55UD^WW#`P%&BBU,M@J@,!\(ND<)T!AM!'
M_[\7M6TKG!51/H^S!.!HPXV]$XX2([8S5LD_`90X42-)^DR2@?KG\S1*+_,D
M+]YF(4&13_"66KI<:+5'T#3P3C-0UX))"<PNLP+\^7=FH,;%W+@@'PIH`]5X
M6":S/%V0!_"0/8-6`003,((FB/4I(LM&$@("1Y60^U1E]J9*%W2L,ILH6`7(
MI??99;8^V#@2`-;\OP`75&&@'!U(9EDQ9NB]7`70[``T0:S/(8Y$`LFAR/,U
M=&#HPX/WSM-7]X.V@#FG[1SB2!OT^?NU.?"Q<?,\GO@6,'/??>D\+Z:N'9T7
M1?%:^J`K#'N8!<GUEJ]YUQG$U,X-<@J\XVZX8U9)"?T"$SG97\/=X_?)>`"S
M/]`M_T;U5O0&=;P!RCB:@R8=;H^PL&KP#;I1%J;>/[9PR7/HQ#@"<*.4?5FX
M^VG\;"S_`@``__\#`%!+`P04``8`"````"$`99''#G,"``!V!@``&@```'AL
M+W=O<FMS:&5E=',O<VAE970Q,#$N>&ULE)79CMHP%(;O*_4=+-\39R%L(HQF
M*>U(K5157:Z-XQ"+.(YL`S-OW^,8&$):2G,18OC/G^\L-O.[%UFA'==&J#K#
M41!BQ&NF<E&O,_SC^W(PP<A86N>T4C7/\"LW^&[Q_MU\K_3&E)Q;!`ZUR7!I
M;3,CQ+"22VH"U?`:?BF4EM3"4J^):32G>1LD*Q*'X8A(*FKL'6;Z%@]5%(+Q
M)\6VDM?6FVA>40O\IA2-.;I)=HN=I'JS;09,R08L5J(2]K4UQ4BRV?.Z5IJN
M*LC[)1I2=O1N%SU[*9A61A4V`#OB0?LY3\F4@--BG@O(P)4=:5YD^#Z:/::8
M+.9M?7X*OC=GS\B4:O]1B_RSJ#D4&]KD&K!2:N.DS[G["H))+WK9-N"K1CDO
MZ+:RW]3^$Q?KTD*W4TC(Y37+7Y^X85!0L`GB%H.I"@#@CJ1PDP$%H2_MYU[D
MMLQP,@K2<9A$($<K;NQ2.$N,V-98)7]Y4>2@3B;QP20!^L/O<1!/TB@=_=N%
M>*(VP2=JZ6*NU1[!T,`[34/="$8S<':9C?^:&="XF'L7U(:"VD`W=HMHF"9S
MLH,:LH/HH2^*NXK'OB)Y,R$`>**$W"\I$^CBG^M_I'1!&8;[&64RZC(\>-'P
M3'2A>+RFZ$!"^<XAK\,Y,8S!V7O'O0IZS36V:XH.&YC<SN;$W<*-T^%%W;PF
MFJ9M^X?!<-JY)A\&E]WN1H1!^&;9087INQW5B2]1TPM4KSFBQD$:=JZHC_H_
M$9[='QU^9S5TS;]0O1:U014O8/K"P.TI[0\.O["J:7?02EG8\.UC"><[A^T5
M!B`NE++'A3N:3O\8B]\```#__P,`4$L#!!0`!@`(````(0`)'U?/]PD``'M`
M```:````>&PO=V]R:W-H965T<R]S:&5E=#$R,BYX;6R4G%MOHTH6A=]'FO]@
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M;?%\:(_K[SMYWW\)=[UYC]W],@B_WVZ.[:E].M_(<`M]H<-[#A?A0D9ZN'O<
MRCM0S3X[-D_W\S_%;>TX\\7#7==`_]TV;Z?>S[/32_N6';>/]?;0R-:6/BD'
MOK?M#X46C^J0/'DQ.#OM'/CG<?;8/*U_[L[_:M_R9OO\<I9V>_*.U(W=/OZ.
MF]-&MJ@,<V-[*M*FW<D+D/_.]EO5-62+K/_J/M^VC^>7^[FSO/%\RQ$2GWUO
M3N=TJT+.9YN?IW.[_Y^&A`FE@]@FB".OWNCVC1UXPEM.B.*:*/+S$N7+ER`O
MMKL/^7DY>?)]+$T0OQ]D\GW(U.HN17Y>+N7+]Q&:D^7GY>3)]R%D-]*N2F>N
M8;YZ)PO=1[HN%Z_/ZX>[8_LVDWDL>\'I=:U&!7$K9.CWSJ:[QJ7[?=;[9+=3
M4?Y48;I@LF.=9,K\>A!>$-XM?LE^OC%0I"'9AE=(=B<*K=XAU:]5Z)@?2/B!
ME!_(^(&<'RCX@?+]0._:Z(55[\3[A=6]`PO9FI<FE:TX:%)'VO=Q_KZWH#J+
MMJ!CTRN(A@@C5D-"",^G8>(AY%(B&1(R3$"A=`@Y#D6R(2+CL%Z1?P0M+1JI
M^!`2%"J'$&N?:DCP:ZZ'2'B-0GR60R/Q>=Q?1<N1N-?YPX`Y$VE&#I:7!.'9
M`8D8$@DD4DADD,@A44"BA$0%B7J,(';*9I]@IZ+OY[*S7*P*0]8?(\WX>CBT
M;(NEQZJOAX%@I\=$7MJLLR1$]JUK)^V&S93(@<^R-^O+PK(<EG!Y7P^#P*.I
M5O1E80F;C2!E7W="QV6W7E$]%.SFZK[NBG!YC4\\DU.#"9XIFJ5@R"XLTHS\
M\Q=?>0I"(H9$`HD4$ADD<D@4D"@A44&B'B.(G7*R-L%.1?,4O/:3+@LBS2QU
M"BXMUHU75!YD()4MUA,2*O-G5DID/V1G9T0.`I:@.9'["=#=6-&7;6O)@I=]
M>>D&;'"H^K+O"]9J=5\.E\%U8")NR2GU!+<43=T2_.]&FAE+/DC$D$@@D4(B
M@T0.B0(2I29T[[4].7>BHW!%=-?EHW!-='LIKKV$&*D*!_TUP/A$1M',2)OU
MKT@S8T9"(H9$`HD4$ADD<D@4D"@UH8WT!!^&*B);/GLFU43N/VN)BW)Y.<%%
M17,7V3`0:<9T/U^PB?NJ+PN?7W5,9,]BP1,BN\&U:^KI"Y$ME\D9D4,>/._+
MML7GV061;3XY*?NR/QP\B6P';.94]^70":\R<4NMYR?8U>'4KS!DDZ;(0&[W
MM/LVF/.MJ.ZY[/R8ZJ[#+>/Z]=:T9U1W^.,TH[K'KS^G^M)CPUW!=#ZG+8VN
M.^PWV^8%B(H#[O7)UMU!S8#`NZ8B=4^M_;\^9`I=*NBO%H3-NG1D('WU(N#7
MMJ*ZS<^/J6[YS)V$Z;SPDAI=]Q[?88V?T=,=BW6>G.HN+UX45/>6+'Y)=$_P
MB7E%=<MAHU%-]*7G7*^/.J?6]Q.<T^4`XIS+GW:J;B8'T['''49BC"0823&2
M823'2(&1TB"Z1[M+GN\5T1W'9CVV)KI\P%PMIY:J)?X$2W5%@%CJ\05N),;J
M!MU@L<)(C)$$(RE&,HSD&"DP4F*DPD@]BE!S959-,5?A;(W/'_^1T-!HOD(D
MQE$2C*08R3"28Z3`2(F1"B/U*$*]586!?N*JS0=<*5=[86SN*BM4=&D4&6C4
MX[&Z1)?B,8Z28"3%2(:1'",%1DJ#F$F]P^=8%=!KIMN?C<FJA-"W=GQ-*73%
MH3\F#\NI!AJU5,<906(<)<%(BI$,(SE&"HR4%T1MNPU6,Q61'5[$JHGL]DH,
M-%55*6&"G[KR0/T<3)LT-&+62D`DQDB"D10C&49RC!08*0VB4S08+*PKH@OA
M^(-5C&XU'<`+/BN>"U57F."I+D/(>=&E-![R67K4Q01381UGQ/881TDPDF(D
MPTB.D0(C)48JC-2C",U75868X*TN6M!\9<O_2&AHQ+@51F*,)!A),9)A),=(
M@9'2(#K=A+!9.E9`KS_7B:7VM(I1A].*T;#@;J`Q2S$28R3!2(J1#",Y1@J,
ME`8QLR2/;ZY65'>6;/99,SV\IA*U=%H9R?ZHC,2?J@8:M53'&4%B'"7!2(J1
M#",Y1@J,E`8Q6;JTF&45U3V^9593W?4_J2_9<@R=,/!V.,W2,&2EL<A`(WZM
M,!)C),%(BI$,(SE&"HR4!C'S'-OA`R_5K<$\B>AN^-GW?.QI]:4.IY;V]VRZ
MA65DH%%+804JQE$2C*08R3"28Z3`2&D0;:GC\5)K1?2E8_&2X>5/J+50X%\'
M1SKNRG:?DJ0*IXX.-U]L#8TZ"I$81TDPDF(DPTB.D0(CY07I'.%C6T5EOL=8
M$]G_;"6COI%,_/Q:(:D[C?O*G@N1@49]Q84D'"7!2(J1#",Y1@J,E!=$^>KS
MW:3*R#J1O\D]V$&FZD;3@!M:U\&;INJT0I(]+"0-=]H,-&HI+B3A*`E&4HQD
M&,DQ4F"D-(AYG@ZWX*@^W((C^N=;<+8J3WQ];=KA-$L%?RY$!AJU%->2<)0$
M(RE&,HSD&"DP4AK$9-EP"X[H'VS!$?WS+3B;EY*^.`#K4E"_[""_9\XWQKO@
MXS4EC,0823"28B3#2(Z1`B,E1BJ,U*,('8JGU91L72XB]<+!5IR!1O,6EIUB
M'"7!2(J1#",Y1@J,E!BI,%*/(L1;M>LV84SN<#8F>[VO.NE%CJ'&S,5(C)$$
M(RE&,HSD&"DP4AK$/&<]OHBIB!Y87*^);O?/IY[RZM+7!F7G@RJ3-WBWP5"C
MWN(R$XZ28"3%2(:1'",%1DJ,5!BI1Q%J\K1ZDZ-P]/T(`XUZJ^.,(#&.DF`D
MQ4B&D1PC!49*C%08J4<1ZNVTPI-\)YF7*>3;=FS=%1EJQ+D51F*,)!A),9)A
M),=(@9'2(/IMK:7/:K`5D7W!6E6]#Z[:WIS=^R:;-E2_ZZU?O-TWQ^=FU>QV
MI]FF_:G>X[;E%W8O1_4[YI&XE>^HRE=-V?%2OGO>'5]<!/GJ]^OZN?G'^OB\
M/9QFN^9)AK1N?+F^/NJ7Q_4OY_:U>[_T>WN6+WUW/[[(E_P;^8ZM=2/AI[8]
MO_\B__#B\M\&//P?``#__P,`4$L#!!0`!@`(````(0"R7#&Q=@8``)<>```:
M````>&PO=V]R:W-H965T<R]S:&5E=#$R,2YX;6R<F5N/HS84Q]\K]3L@WC=@
M<X\FLUJPMJW42E75RS-#R`1M"!$P.[O?OL<<)[$/%$A?LI/XY\.YV7^S?OKX
MK3Y97\NVJYKSSF8;U[;*<]'LJ_/KSO[KS\\?8MOJ^OR\ST_-N=S9W\O._OC\
MXP]/[TW[I3N696^!A7.WLX]]?]DZ3E<<RSKO-LVE/,/(H6GKO(>O[:O37=HR
MWP^3ZI/#73=TZKPZVVAAVZZQT1P.55&*IGBKRW./1MKRE/?@?W>L+MW56EVL
M,5?G[9>WRX>BJ2]@XJ4Z5?WWP:AMU<7VE]=ST^8O)XC[&_/SXFI[^#(R7U=%
MVW3-H=^`.0<='<><.(D#EIZ?]A5$(--NM>5A9W]B6^&%MO/\-"3H[ZI\[[2_
MK>[8O/_45OM?JW,)V88ZR0J\-,T7B?ZRES_!9&<T^_-0@=];:U\>\K=3_T?S
M_G-9O1Y[*'<`$<G`MOOOHNP*R"B8V?!`6BJ:$S@`GU9=R=:`C.3?AG_?JWU_
MW-E>N`DBUV.`6R]EUW^NI$G;*MZZOJG_08@I4VB$*R,^>*_&^8;'`0O"92L.
M>C0$*/(^?WYJFW<+N@:>V5URV8-L"Y9E9/Y_1@8AR3F?Y*1A*M`=E./K,PMB
M_\GY"CDL%)0B!$O@!G&3R,:$YYF(&"/)W8H#,=P"@?300#PH]'2)KH'(268@
MWMW\$&N*2#R40@:?T1^$]H/AD6=Z-.^)A*$MM&QY-*&(0)%N"0W-;&6+A)@C
M#.?A,8^G4T[:V9"/FX=>8+J8(A(-3<-='L?F>*:/LRAVR;C`<?B\/>*>!",`
M:.+'`Y"32`"1Z6"*2#@$$,:,F<.9/ASQF'23P.$5[H>F^_/-(V'3[20FCJ7(
MH-_,9TE$,IL9`.PJ'@$$`BM\CQ[Q7<*F[\&]HK@$$4'7(W_DN#X<)KYK5D3@
M\`JWI5IK6^%\RB5,W*:=@HC*N!N$KD<"RTS"=9.$5$WH1!(E;G0W871[\HCO
M$C;WFH#4.D5D.FE#4;)%0LP1AO,,]FD]\U*$EO?N8999@I#(1ZH850//C<EV
ME"T!0@'3F3"CD%JUNG\8*IN^5X;$N50QZ'T<A*3!,F.<>:Y/%$,H8(WS4L36
M.X^29SA_;TQ<M`P9=#[Q><03<V%F!A$G;L!)^80BUO@OA6V]_RB#\'E7$9+<
ME,U))2Z!943,(F;[0)0/1"!IL_D3VMPI0TAU/_,\EP29$<+U0[(1"$)P+[A+
MFNF_E#:M`BL7,0JBWDG1:!GHFLHF-U)Y&(=TJ$C=J9U4(6MZ20J=%LF\$#"4
M13T".`R/8I@33]5-BXA0SUH3@U2]]3&@1NKK873Z9',ZJB)81,2L%;.?I/1I
M$:SL)Q1,O1JC(RA#QL<7%Y><%[+Y87$;UO:.V\9F1B`%\/$(4#:-",BR31DR
MV.YA$))30V:.CU1/J/$5?<2)-,^OA8&FNQ)Q+E70=5=*7*H+)N`&M!6%`M:X
M3S1YW>LM'VMS,GJ]51!V$>=$>C-S>'0HO0TO=A&'3M"[:*$"DC8K,#I.#Q:O
MFZ6O;^BXC(UQ'C&JRFI\3?JEAFHK8,%W5%R]\P/:^1P9U3P\BA@A,D)X,2,+
M7"ABC?_`/."_I!?.U1R9Z6>K]"\B8M:*L0?)_QG2(UBWBPZSS"X:':T5HRHQ
M<;1>`H0"IG-A1O&0(O.Q(H^.UHJY>L^)7F=J7*UNVH;B-KR\?!\28HX*JB^!
MD!ZL%:-<]WW:WYD)>)Y_/[$-'284L";Q1(07%C`*JWZ,H.\L*;^*[U3FU`)8
M1,2L%;-UB`@O1#`6W_&QFNOJRZ:.U828.%8K8D4)Y(OPXRMXF&6NX-&Y6C$S
M>RDA)O921:R)8T**Y>SY@GAC*8;3-5T2BIKV`IMJ&1&SB-%4WD.:/-"F+M`C
M3:J8V0A0VF<0,6O%C.`A9?;&R@Q5(,J;*@K[*4EX0(0W(P#CY&@H%#`=HND_
M,/]C5<A9YJJ`.,@K;^HA->V%ZJ9%1,Q:,6,A&KVP(O!55]]DQ]V$S&P$BXCP
MYA`S@H?T&6[J)JHPZB:D\*8@\&BO9,J*&G?I.5#>!\JG3.<`O<?[/KP.J\OV
MM<S*TZFSBN9-WN5Y\'YX^Q7O&5.V3;F\"2*_9VR;3?TNX%YR^-VY38!KP4O^
M6OZ6MZ_5N;-.Y0$>Y6XBR'6+%XOXI6\NP\742]/#A>#PYQ$N@$NX@7(W`!^:
MIK]^D5>7MROEYW\!``#__P,`4$L#!!0`!@`(````(0!*@@J*\P8``$,@```:
M````>&PO=V]R:W-H965T<R]S:&5E=#$R,"YX;6R<F=N.VS80AN\+]!T,W\<6
M21T7ZPTBI6D+M$!1]'"MM65;B&T9DC:;O'V'&EG4#+FRTEPD6>_/\<?A#']1
M?'S_]7Q:?"GJIJPNFZ58><M%<=E6N_)RV"S__NO3NWBY:-K\LLM/U:78++\5
MS?+]TX\_/+Y6]>?F6!3M`B)<FLWRV+;7A_6ZV1Z+<]ZLJFMQ@=_LJ_J<M_!C
M?5@WU[K(=]V@\VDM/2]<G_/RLL0(#_6<&-5^7VZ+C]7VY5Q<6@Q2%Z>\!?[F
M6%Z;6[3S=DZX<UY_?KF^VU;G*X1X+D]E^ZT+NER<MP^_'BY5G3^?8-Y?A9]O
M;[&['ZSPYW);5TVU;U<0;HV@]IR3=;*&2$^/NQ)FH-.^J(O]9OE!/&2^OUP_
M/78)^J<L7IO1_Q?-L7K]N2YWOY67`K(-ZZ17X+FJ/FOIKSO]$0Q>6Z,_=2OP
M1[W8%?O\Y=3^6;W^4I2'8PO+'<",],0>=M\^%LT6,@IA5C+0D;;5"0#@[\6Y
MU*4!&<F_=O^^EKOVN%FJ<!5$GA(@7SP73?NIU"&7B^U+TU;G?U$D^E`81/9!
M%-#WOY<K&0<B".]'62-1-\&/>9L_/=;5ZP*J!KZSN>:Z!L4#1';/"*:BM1^T
MN!L"L`TLPY<G^'+QN/X"N=OVHA1%4/J#2%)%9BN4&B1K`!OH8,YC.IUW!:LW
M3:D'44K%"%*4Q%U^]<RRT0<$`%+R_0!Z$(".,J#7:)AAE\L41?Y(%%)%-J4@
MD!!D##F='2W>+&&^P_(`G$D_PJ%()$&WR-$J5,GX3_C3.S:=C(^(HO&`Q!^/
M(/#0`//AM=B"]VG>4A0!T#!#GMDI!8$+*=R\^M.#[BX_BJ8@IQ0$,OH_D'J0
ME<F`91)%(7:ZC/TPH8*,"F00FT(BB-H(1[O,O#SJ018B6\H41;=*]58BD+3R
M&+&M3\!,S1^SFY$))/8$?*BBZ5;3@ZP)1!0H11'F.(RDSWZ?D=^+((Z'\010
MP+;(4WR?L!ME(9JOP-V@5YDD>TR132DH)O,;70GAW1U=H&.P38L58]JK,)6Q
M[P5,D!%!%":QJ7<*J=V`E>L,2/00"AEYPW+UN425R:4IN$Z0B;<%%%+;`X.\
M[XT"385!,H:T5_6-+Z(DX%7)%#(1IC$IIC:&[\=$.V&8S'-2@:I1+GU/F5;V
M/#:OS#$@-#.CW-HC&/>,?D)G8=QF4^QK`%687J5"R1PLT\^6L'/T`B]*C(!"
M.OQI!B0Z"X,T7]%#HLHDUV.*3$PH**;#H6;TD\NB(M.R/>;8@@+/5TR0B;'`
M#T5BBH)".CQJ!J3+I"+3"STD=QV/*3(QH:"8#B>:T?8N*XI,Z?>88Z\1SK:G
MBK?;7CKLZ#YF-XK;4<3,)NU5IC*%\/FJNS2F?DE&I<.29J"Z+"EBCI-VL6^-
M[`MI]1`1J,2/WH*$;N7;T0Q(/8KG,^:6)%%E\FE33BAH+AVF=']#DBY3BDV?
M8G7V*MP4X=3K66N.85#@)\HW^RZ%=%C2#$B7)<7<DB2W))MR0D$QF0--/VOJ
M5P#V4IL,]#E$%2"\>3;J`[DE%-#A/C-J$ET#UFI`<)R.):K<%-U<LDD)!77X
MSPQ0E_^$K.A2.;87H1\_V!Z0,86(8K/Y4TR'`\W`=#E0:+ZB7WCN+T(J"]32
M*$7/_<.S+.5V6-*,?G)9TNAIK.<>&TX8!I9Q2B(07FAV-P*I$\DWT/N0W2B^
M@8;<D'K5:`-EBFQ*03$=9G3_*42YS(@?UM->A?MCK`1_*Y81010J:8J=0CK,
M:`:DRXRL\Y'B5L-L()L04$B'%>EEF-Y&E<N*(L:0]BK,9")#P009$\`;!G?K
M*&T&[)0Q`U*/XE49<2OJ8L-[T/XE'KP:@>>D`0/W4%LC1V=[FD]F1_KD/J.!
M7+84<5M2J,)\*J@[)LBHP`O46_ET6-(,2#0;J+R1)8V>Q'`K4J@R^;0>DZ84
M-)<.0YK10"Y#L@Y$:FQ(?A+S9]*,"@(XW`]%02$==C0#TF5'UH%(<:NQ]O4I
M!<5TN,^,%G*YCW4@4F-S<?8Y%;S9Y[[#?>Y#=J.L/F?>DO:J6UTF*RG)JW<U
M?O6.;6\-"8+Q:Q-/CH>0;/L.?YHQ$9<_\<),N]C#8<D3UFL1(E!Q^-8[)]_A
M3S,@7?YD'9:ZV.-=U=H%IA0TEPZ'NK]9^2Z'L@Y+O0IWU,`3@6GRO@0P#`K\
M6(Z>%BBDPZ%F0+H<RCHLP96M]K%;Y7HKZ[`TI4!,O+/%*\US41^*K#B=FL6V
M>M'WL1*N+H9/\:XX%0]P_0=WM.SS#.Z0N\_7PR_@"O>:'XK?\_I07IK%J=A#
M2&\5@5O5>`F,/[35M;MO?*Y:N+SM_GN$R_H"+A:]%8CW5=7>?M#7S*^WZ_^G
M_P```/__`P!02P,$%``&``@````A``4EBDG=#0``9V$``!H```!X;"]W;W)K
M<VAE971S+W-H965T,3$Y+GAM;)R=6V_;.A:%WP>8_V#X/;'NEZ#IP;$EZCK`
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MU5/WD=QX-MA:]`[\<S]Y6C\OO[\=_[7[4:XW+Z]':7<H]ZC;L8>GG]GZL)(]
M*LO<>V%7:;5[DPV0?TZVFVYHR!Y9_M7__+%Y.KX^3OWH/HP=WY7XY-OZ<!2;
MKN1TLOI^..ZV_U-0OT?G(IXNXLO6:]V[]Y+0#:,150)=1?X\5[FY";*Q_7[(
MG^>-1^]'I(O$9I'1^R&G5M\4^?/<E)OW(]4;RY_GC4?OARN'D7)5.G,I<^N>
MS-08Z8=<MCPNOW[9[WY,Y#R6H^#PL>Q6!??!E:5/@TT-C?/P^VSTR6'75?F]
M*],7DP/K(*?,GU_=,`R_S/Z4XWREH;F"9!]>(#F<*+0X0=VX[DIG_(.<?R#X
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M&*WN)U%NRG[BLJT%E1/VNPLB1P$_`!(YYHM'1>0H9L?JVI3EL3Y@>D/T(`TN
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M,T:&9!C),2)86QPG3?G4PU5*C%08J5E;KO1+PY`KS6T)DL:I$U]ZCD[*[M)]
MA+7J2M^\<G-#ONC/NTQ,KK$6XQ88R3"28T1@I,!(B9$*(S5&&HRT5H2:VUV^
MF^9V025.U5QUU2__/%^IR6#R,H#ZM66N*:O)MOA`'2QQE1PC`B,%1DJ,5!BI
M,=)@I+4BU&3I`#'9?K+J=CA;G/GETUQ#5F]5'0N2X2HY1@1&"HR4&*DP4FM$
MGR<YP^L/!H0).V*W##"C`NIJEPF84Q>XJB($LBX/`IKN?AA:EB&2X2HY1@1&
M"HR4&*DP4I^1+G:Z,Y)K?1)UZI->=GG,WM+-O>AR$D8=[4*#$8ZJC,%T=)C?
MN`JR3,(%1C*,Y!@1&"DP4F*DPDBM$35/H]!E,4;#='Y>W5+=,2ZFJ*5=G##"
M4I4^4$L'AU4%62V%2.9"),>(P$B!D1(C%49JC>BEUTOXI5K#`8>9WE+`#XP*
MU-4N=1CAJ@HI3%>'\8^K(*NK$,EPE1PC`B,%1DJ,5!BI-:)<]5.>PS1$#T*'
M)3$MT;TTN.C4TBZA&&&I"C2(I<.,R%64U5.(9+A*CA&!D0(C)48JC-0:49ZZ
M+E]<&ZK[_`98>_X5W?$V,3)!8JDW+DWJ<7K:Z_(T:*XAFZ,8R3"28T1@I,!(
MB9$*([5&]-HK;VFRVUM$]UU^[ZTENN=$G\Q2;US,U./4TF',I"&]P`1QPF\9
M+#1A,3W#2(X109OB1QY/*PM<I,1(A9&:-N5*KS24N-+8EA%Q\ME=,$^NHR,6
MWQZGMLKTX3)D5/J@*8MK"XQD&,DQ(C!28*3$2(61&B,-1EHK0I?A7XN8O)LB
M)DU93<81$ZZ28T1@I,!(B9$*(S5&&HRT5H2:+!T8,X,[G,[@X>,]GH*LWD(D
MPU5RC`B,%!@I,5)AI-:(/GL*(WX+O:%`$*3\I@X%Y&,=EULOU-4NU[C]I+A[
M@IFY.GP&2$-65T]QRB5=9M?`&:Z28T1@I,!(B9$*([5&E*O=PU'L>-:<:_0A
M4^3RW)`6\.5CZ>=S,&KJN)3)NR5ETI#55!A$9;A*CA&!D0(C)48JC-1GI/,L
MXL_2-$0>)L%4-N[F4S^[(&?$)%6YCWGEFO+[JG,/AD,+C&08R3$B,%)@I,1(
MA9%:(WKI=5PC35!),`&2U`B0>KTE>IP8MU6HI^,")N^6@$E#UCF*`R9<)<>(
MP$B!D1(C%49JC2A/8W?P9`O1H]@;'$Q5IZGM4W,N44O'!4S>30&3IJR>XH`)
M5\DQ(C!28*3$2(616B/*$\^-V.E#0W6'/]W94CU-+\=:XFEWHWS$TMOC]*QW
MF#!IR&8I1C*,Y!@1&"DP4F*DPDBM$65IZ/"0IB%Z$`UNJQ(]2HUDA5HZ+F'R
MU;>5R-%T\""3AG33`_D-+C8>%YJPF)YA),>(($T)4OE8-'^,"1<I,5)AI"9-
M":_T2D.(:XUM*1&0AT^IK>,2)K_#V4P-^5>LYIJRN+;`2(:1'","(P5&2HQ4
M&*DQTF"DM2+4W%]+F/R;$B9-64W&"1.NDF-$8*3`2(F1"B,U1AJ,M%:$FBP=
M&'.L[7`Z@X<)DZ\@J[<0R7"5'","(P5&2HQ4&*G/2'?9RA]9;JQJ2]1/C[+C
M@B7_EF!)0U8S<;"$J^08$1@I,%)BI,)(?04QGE91EZTW,*V=H7-U7,3DWQ(Q
M:<AJ+XZ8<)4<(P(C!49*C%08J36B3BX3GS^6WA`]CA/V;9.6ZI[Q_1MJZ;B4
MR;\E9=*0U5(81&6X2HX1@9$"(R5&*HS4&E&61I%SN?K4LU5UBM9]GO^W='O7
MO23)U-)Q(9-_2\BD(:NE.&3"57*,"(P4&"DQ4F&DUHBRS$WX-[X;J@^^YM-2
MW3.&!+5T7,CDWQ0R:<KJ*0Z9<)4<(P(C!49*C%08J<]('^[S+VPV1`Z&D_34
M9=W6@?O)';A@7,+4X_2L=Y@P:<CF)T8RC.08$1@I,%)BI,)(K1$]1SW^=&AS
M+M$YE@9L56Z)''\6&0;C\J4>IX8.GV#2D&IX$/.O9"^T;C$\PTB.$4$;$O"H
MO,`E2HQ4&*EI0P8]TE!]T-"6Z/*<ZO*M3++<!N-2I1ZG9LH7-5UF?G]TGVO*
MXM8"(QE&<HP(C!08*3%28:3&2(.1UHI0<W\M50IN2I4T9349ITJX2HX1@9$"
M(R5&*HS4&&DPTEH1:K)T8$2J%'0XG<'#5$E#5F]5'0N2X2HY1@1&"HR4&*DP
M4FM$':;N?(=?BC84\%+^0IB6`JZ\67O]$9=@7+S4X]35X7-+&K)8ML!(AI$<
M(P(C!49*C%08J:\@@WCI!J:U,W32CHN7@EOB)0U9[<7Q$JZ28T1@I,!(B9$*
M(_49Z4YZ7?XD84-D_F0$$>]\XVL>U,YQT5)P2[2D(:N=.%K"57*,"(P4&"DQ
M4F&DUHA:@[UH\!HRJ@_>QM-2/3)6:&KIN&@IN"5:TI#54APMX2HY1@1&"HR4
M&*DP4FM$'U;#@#_YT##`YT\XM10((F.64U?'I4O!3>F2IJRVGJ*2SY\'QE5R
MC`B,%!@I,5)AI-:(ME4^PL0>U&@XP)]%;!E@AHK$UG!<QM3C[&QI\#TY#=E<
MQ4B&D1PC`B,%1DJ,5!BI-7(Z!T[X6^`:!L3&'53U!"D#/.,%>=35<4&3?//Z
MX,IF\""3AM0;5^5;$0>O&UAHPN)[AI$<(X(V)?)2X]5O?4<5N$B)D0HC-6W*
ME5YI*'&EL=V+[[ONUSV;AN9+6Y6MZKWVZB7CV_7^9;U8O[T=)JO=]^Z=]9Y\
M#]WY4_4^_;G[(-_'+5^KS3ZOY7OV^\]G9T&^YOYC^;+^QW+_LGD_3-[6S[*D
M<Q_+RZB]>E&^^L=Q]]&_2_O;[BA?<-__]57^AP9K^3YQYU["S[O=\?0/^8MG
MY_\BX>O_`0``__\#`%!+`P04``8`"````"$`@+%&DMX#``#Z#@``&@```'AL
M+W=O<FMS:&5E=',O<VAE970Q,3@N>&ULG%=;;^(X&'T?:?]#E/<F.!<@"!BU
MV^WN2#/2:C67YY`8L)K$D6U*^^_GL[^0*RW)\@`D')_SW7R(UY]?\\QZH4(R
M7FQLXLQLBQ8)3UEQV-@_OC_=+6U+JKA(XXP7=&._46E_WO[Q:7WFXED>*546
M,!1R8Q^5*E>N*Y,CS6/I\)(6\,N>BSQ6<"D.KBP%C5.S*,]<;S:;NWG,"AL9
M5F(,!]_O64(?>7+*::&01-`L5A"_/+)27MCR9`Q='HOG4WF7\+P$BAW+F'HS
MI+:5)ZLOAX*+>)=!WJ\DB),+M[D8T.<L$5SRO7*`SL5`ASE';N0"TW:=,LA`
ME]T2=+^Q[\GJP?-M=[LV!?K)Z%FVOEORR,]_"Y9^906%:D.?=`=VG#]KZ)=4
MWX+%[F#UD^G`O\)*Z3X^9>H_?OZ'LL-10;M#R$@GMDK?'JE,H*)`XWBA9DIX
M!@'`NY4S/1I0D?C5?)Y9JHX;VY\[X6+F$X!;.RK5$].4MI6<I.+Y+P21B@I)
MO(H$/BL2,G<"+UPL1["X&)%)\#%6\78M^-F"J0%-6<9Z!LD*F"^981QUKN^E
M"CEJDGO-LK%AW"$+"?UYV9(P"-;N"Q0UJ4`/"(+W!E0C7`BGC@GB:,=TO<H7
M:0W6TKKJ.I8'O-&6\:[+^%-D-!C:U@X^#,*:&*41%+1`\QK1R1`@[0QUU7V8
MRH\SU8LV-J37U"\,&@$,`4$+TX-P5KVN!P&CUP[B8W$-'H@O:F(41]"(_.=3
MI#7X9ND1-$)ZT94>5WJ]:)#]LI<]@MHAA,V`=-JO_Q=:F^[CRFOP0#OJ:2.H
MK=T,1D<ZFB*MP3<KCZ`1T@0F?'S:!MW/.YSU\JY0H9EW/UI$C>ETTB;:?$:7
MW*![VOZ\W^\*A=H!&!ZI@^MJ3_(S@O[5W>9A0XT[K4+-3=X1;O-WU"?9'$$+
MZZDW!EJI(XI$F'OH>$'4?BW_NFN6=&L!<S*A#QK=ZT,8^G6B532(ND3C.0O_
M8GSFD[P?3<\"QYF!_N<?1!4,I@-1V"$R#X-E@^B69)(9$C2Z7H.:J:]*,MH.
M2<\//_8B@[[I"!5JC"5,<D)RS0J'EH"HVY8PR0H)VERG[E<L`5$W+<&;9(4&
M/=@&?4NH4",LP9MDA@8]4&_V-TY<A?H?F]"#FHZW!(,>1-.WA`IUB6:"0<$Q
MHA/-.$LPJ_I1#2RA0N'#V=U53\`C"#ZAYU0<Z)\TRZ25\),^7A"P^_IN??2Y
M]\SAI?X!3AYE?*#?8G%@A;0RNH>E,V<!AB3P[((7BI?F^7_'%9PYS-<CG#$I
M/$3/'`#O.5>7"WTZJD^MV]\```#__P,`4$L#!!0`!@`(````(0!;^[0F#P<`
M`/0?```:````>&PO=V]R:W-H965T<R]S:&5E=#$R,RYX;6R<6=MNXS80?2_0
M?S#\;ENDK@[B+%8BMBW0`D71R[-BR[&PMF5(RF;W[SO4T!)GF$A.7G:3S.%X
MSLQP#FG>?_I^.LZ^%7535N?-7"R]^:PX;ZM=>7[:S/_Y^\LBF<^:-C_O\F-U
M+C;S'T4S__3P\T_W+U7]M3D413L##^=F,S^T[>5NM6JVA^*4-\OJ4IS!LJ_J
M4]["K_73JKG41;[K%IV.*^EYT>J4E^<Y>KBK;_%1[??EME#5]OE4G%MT4A?'
MO(7XFT-Y::[>3MM;W)WR^NOS9;&M3A=P\5@>R_9'YW0^.VWO?GLZ5W7^>`3>
MWT60;Z^^NU\<]Z=R6U=-M6^7X&Z%@;J<UZOU"CP]W.]*8*#3/JN+_6;^6=PI
M/YFO'NZ[!/U;%B^-]?.L.50OO]3E[O?R7$"VH4ZZ`H]5]55#?]OI/\'BE;/Z
M2U>!/^O9KMCGS\?VK^KEUZ)\.K10[A`8:6)WNQ^J:+:047"SE*'VM*V.$`#\
M.SN5NC4@(_GW[O^7<M<>-G,_6H:QYPN`SQZ+IOU2:I?SV?:Y::O3?P@2QA4Z
MD<9)`-$;NUS*)!1A-.UEA1%U!%7>Y@_W=?4R@ZZ!SVPNN>Y!<0>>K\PPCI[K
M6U2!HW;R67OI?`&+!NKS[4&$:WF_^@9)W1I0BB#8$P.((K(K0F=0^U76'U80
M<!\UY()'[4-57Z_'-4B]B`;I\Q!="$-D+L+W*0OE0JQ4$!H^I3$>O@9#X]CI
MBQ+ZT2EBH(Y]BB.*R"81:@Q!HH>/L8LP'KT&;^:0FCXRX7LTMA0Q<=<_H5BS
MO&;$[/EKNEK9YBCTX]Y,@H;]9@>M^SUX<R=?.T<OXJEG'Y\B!H+H"?+43R+4
M&(*PB%P6T_VO%[$2)"S'*6(BW,)!$@9]%KL-F=EV7PJV.Y1M%EZ\'I:3\&,:
M_GCG:#!+?C+X[<)*$3.6_$F$&D.0Z+6JLY$YW4)Z$4_^T*+(`C&8_,#W/6;/
M;'NX3CRV?Q2Q^S(8BDOB7]/XQ[.OP31N.'O0ID@1@W$OHLCW!`5D!`!MP]M*
M$8`(O'@H,`E=P)"W<S\>>X>FK2-Y;*D!C?7.-$2-0B@%K6E6^TQ00`6TYZ;T
M^-07"+(IA"$KP0T8U6.T@"\2.?B@#+3`W<X`Y9`R8*,Q%0@*NKFSD!X;KAFU
M)Y)E0!F[:4'A60U&0]?B=GOH*(4T=+8I4W'5RRYI8<2H9;U]$`9>'#6.H0R@
MRC8#+6#3HU_H56P;"[Z-#0B3&`:1(\`$`$6*69D4`8@DED,R*`DM=%89;B2!
M\DC*(=BH2?6Q')@B"9B!0P0H8,2^B-?1,"0[@"(`F%26!\I!:]W[.:!"4@Y,
M15-ARZB,$LDJE1&`'\1<QA4!P$GJK=.0T*+W?A(HE90$RV/:N>X+`?=5IQ+H
M!2OU"DM%/1"6M!):]RP2$Q,55=(.7H3),.I0B@6B[)'JQ#\)4:->*`>M@+=S
M0+V$R=,?-H5S%Q`(&J4P"5&C7@@%^2YM[M!T(KD7`@,R$\F]$5"[>R4@]K?O
M!)))\FV7@FX5/5V(B$W$U(#&BC`-4:,06@3H:[N/;INL4J^BQ5BOF<:F!F0T
M.@[Y?C!VLY^]A`TM1>R+8&V=Q"B%=VFT=#5:\(].#0A#3]BXS8C59[05L8IA
M3M"8M;[>O'VE1M-TP]<E?(`:U#7?@@664?LZ8:VGJ!V^*.I/A#3T#VFQ_L:)
M4^`JE!J0T>+$*CAJ,;%'S@13Q"Y\2T$H`Z;$X_-?HKB2V>G<)PUH=-NBGQ&(
M&O5"*7Q(AZ6KP]!'P]4)I<R@L`H+/[$:P93!%F(X?,?LB*N8!R\86HVR8$)\
MXQQ]19`3%D(J$62&2^@YPX?8$WZ!4&0]Y&B8`93!NV18HGS:1PGW<FQ`)OW"
MYX?FS`!PG\?\*TE%ULO$&A,D<GT'N'T"=6BJ7>[-V(!&.CR;AJA1"*7`9'A\
M'_ONS5BLF>:D!G1-OHC9=2&C@"`0K/&4`9@I'%KB06-GNCL1NZNW[JW>1Y"=
M?GYQS&[`J!XS?JOWWR6['9I*F.2;,C4@DSOW5D_M[JW>V*_5>_-6[T..WM'[
M&LU#9V5/.Y?PU3!^(>'>ZGO[<`+GQ5'C&-H^'Q)AWQ5AZ=SJ#>B:Q+5UG\7Q
M3P&A#(:#0@=0%`!7ZF$341),AV\[>_JHHV2(.K=Z`\)R!#&?_L:,'$7D5@(_
MP]ACZVA+"7Q(A7U7A9TOQE,#P@@BX6@PL0<A?QI1Q"YME:`,7E%@/8`GQI&K
MP%+PXRB\K^IM@Z\S460U@6DC8G<8ZO?983UAB`SP\17?)D]%_51DQ?'8S+;5
MLWY8%;`1^[_BHV\*C[[="^FJ-\";ZR5_*O[(ZZ?RW,R.Q1Z6>LL8]DF-K[;X
M2UM=NH?`QZJ%U];NQP.\KA?PY.@M`;ROJO;ZBWX7[M_K'_X'``#__P,`4$L#
M!!0`!@`(````(0`0&#<_8P(``%H%```:````>&PO=V]R:W-H965T<R]S:&5E
M=#$R-"YX;6R<5%UOFS`4?9^T_V#YO1A(R)="JF95MTJ;-$W[>';,!:QBC&RG
M:?_]KNV$INNF=7L!#.>>>\[]8'WYH#IR#\9*W9<T2U)*H!>ZDGU3TF]?;RX6
ME%C'^XIWNH>2/H*EEYNW;]8';>YL"^`(,O2VI*USPXHQ*UI0W"9Z@!Z_U-HH
M[O!H&F8'`[P*0:IC>9K.F.*RIY%A95[#H>M:"KC68J^@=Y'$0,<=ZK>M'.R)
M38G7T"EN[O;#A=!J0(J=[*1[#*24*+&Z;7IM^*Y#WP_9E(L3=SB\H%=2&&UU
M[1*D8U'H2\]+MF3(M%E7$AWXLA,#=4FOLM5V2MEF'>KS7<+!GCT3V^K#>R.K
MC[('+#:VR3=@I_6=A]Y6_A4&LQ?1-Z$!GPVIH.;[SGW1AP\@F]9AMPLTY'VM
MJL=KL`(+BC1)7G@FH3L4@%>BI)\,+`A_"/>#K%Q;TLDL*>;I)$,XV8%U-])3
M4B+VUFGU(X*R(U4DR8\D>#^29'F2+XJLF/V=A45%P>`U=WRS-OI`<&@PIQVX
M'\%LA<S>V?2/SM"2C[GR02$4T1:[<;_)BF6Q9O=80W$$;2,(-V`$Y2."8?91
M`J;]5<($6_3[XIXD^*#G$B9/]$'E-D(6H;/G^2;_D\\'8=O.W"SGL]%/3!@Q
MTS/,$^*98X3\NV,?5%(T-=83B_Z4($J(H'GL25K,TG34&!7$&8\CH,`T\`ZZ
MSA*A]WY^,PP<W\;5VN)JY:&&XP<<[8$W\(F;1O:6=%!C:)K,<6Y,7(YX<'H(
M+=IIAT,='EO\AP&.4)H@N-;:G0Y^_<:_XN8G````__\#`%!+`P04``8`"```
M`"$`XG>A4T0'``!;(```&@```'AL+W=O<FMS:&5E=',O<VAE970Q,C4N>&UL
MG)I=;^(X%(;O5]K_@+@OQ/E.U7:T$!(26&FUVH_K%$(;#1"4I-.9?[_',1"?
M-QTH>S.T>5X?;+_G.'8]#U^^[[:#;WE5%^7^<2A&QG"0[U?ENMB_/`[__BNZ
M\X>#NLGVZVQ;[O/'X8^\'GYY^O67A_>R^EJ_YGDSH`C[^G'XVC2'^_&X7KWF
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MPHQ,1T9:E5OJ`/T[V!4R-6A&LN_MYWNQ;EX?AY8[<CS#$B0?/.=U$Q4RY'"P
M>JN;<O>O$HEC*!7$/`:QJ/=';HY,WQ&.>T,4^QB%/L]1/MT%ZFP[#OH\-[YY
M'.XQB*<'N7D<5%IM5^CSW)5/CR,X-J;/<^.;QR$HC92KY$P7YK,C&:L<:5,N
MS)KLZ:$JWP=4QY0%]2&3JX*X%Q3ZE&PJ-<[I][/LH[2347Z38=I@E%@UE<RW
M)^$$WL/X&^7YZBB:*!'-82>B=.*BZ4DD\UJ&#O'!#!]$^"#&!W-\D."#]/1`
MZQOOV.*D.'5LJ3T8TVR>IY1FL3>E%MGW<?V>9E"VXC,8"-Z#25]B<L6TKQ#"
M`1O"OLCF869]!87QN2CJBRR+2^*^A.($7#3_2.0:7)1\*(+Y2?LBF)]%7X%]
M7O8E01>%^4Q+X__P6;:B%5DO`L-T^'`G2D2KYKE2L$RN*L*KBME51715$5]5
MS*\JDJN*]*IB<56QO*1@OM*T,U\OUZU4/PXI:\Y6"</J,J9=PR9*Y*F%T3`-
M*)2IS@-?0&*'#+LF%/2,8<^`+X\8]CVHXUC'PC`L*+VYS@/?AU1-="P,8<):
MDNK<"BP;AK[@/!`PN*7.;1&X77QF&FT2;C!-JKEI0=`%5IXIC:L\<PT8]Y3C
MGF4<&U"^,XYQN8L8]@)H'3/L^^#HG&%]QMJ!)3HV#1>"ISIV;1^R::%CSQ,P
M:TL=!Z[?93)SBW9E-[@EU=PM@4D^41KEEN\$,"53AND\P]?;D&'#['K=SMB,
M8QNF).(89RQF6&#KN8Z]`+\[T;%OX%LXU;%E^BYT?<%Y;^59`O>[\F2&T?;Y
M!L.D&@WK`JOR4AIEV!VM.V#)5'&J_O.ZZD`)AB>)VFY"@)E.[TP'<*1C!VFL
MT[M>OLP9=K#O"<-T7N+9EBI\&CJ-G?,%:^YYT'S)FEN.QIEE\L\!N+._O@V5
MK=`ZJ/&)TJC^!_U:T['?F[M0QY[O0<+.=.R;VMZK39M(QYZ#+]I8Q[[5JS6&
M[5ZM,>QJM=!^=ZICRPIZM<:X&>";=LFXXVNUS(RC<R(S[O+^0ZJY88$%&3-1
M&F68Y;OPBITR'/CP0@AU;!M:NJG%4<>6+Z!UQ+$/WQTS[-IX.&#8P\UZPK#K
M0:*F.J9SD`U\P;@=X-YDR;CEN%WOF&'R;'Z#8ZT<+8-IFQQ%RC-A>#8(IB"P
M!2RP(0JP&&8@<$U\KX'`\N`K8A`8Z.X<!9AZ"0@$[B=2)K!-TX0^++C`<&U8
M4)8@,*PN!;F+\CRO+YB7ZTZHXS_;^./F=W(4*1=-3W0)U-;.E''AX02'G#L&
M)/",<QM+-^+<P"2*.0\P_IQQL^=OPKF)!90R[O4WDYR;/KP)EXP'5M!Q;IT\
MM-]@G3KC<^MPS91_#*.%U6[W_[U3TY1AQ^YRJC4V9-BV>K[IP6T\<D6LM85G
MBYCAWI_9Y@R[N&M*.,:75'K$QY0U?4C9!?!^N:FA'=O[3E>OW#)Y'+_!,G5Z
MYY;!DC@12G0\9OO8M2GGI@GM0\X-K\LV]:8#CG^ZC!CW\"T<,RPL`W)FSKF-
M>YN$<\>%C$T9=T30S7S;_07GA@7.+AEWG9^ND_)$?H-SZ@"O.V=J+]*V:Q.A
M1$%;;,8(EO`I8#Q-A\AA9F97>(0<RC5&#O'GR"&QDBL\!8Z)N4`.\[-$WO6?
MUYP\G-_@G#K+,^>P)B;R8HJ6R9-S!B35%#E,38@<IG9VA4?(NZ&WF14CA_AS
MY-"_Y`I/@?>MX_.#1XXEMN_ZSZV3Y_0;K%/'>MTZ@9OG"=UA,NL@JZ97>'B%
MSXY<+<>PED:78'P)SB_!Y!),C_"<J[T%4DW(AQV6-[YRMA`JE]1=KKI8V^75
M2S[-M]MZL"K?Y#VM2<O:^:FZ0YZ(>[J#HJLD>)[*N^7V=O@,Z&KWD+WDOV?5
M2[&O!]M\0R&-D4>)5:G+8?5+4Q[:^Z/GLJ%+W?;'5[K$S^D.S1B1>%.6S>D7
M^N+Q^;\%//T'``#__P,`4$L#!!0`!@`(````(0#T?LN1#@<``%L>```8````
M>&PO=V]R:W-H965T<R]S:&5E=#(N>&ULG%G;CMLV$'TOT'\P]+ZV2(JZ&.L-
M(@5I`[1`4?3RK+7EM1#;,B1M-OG[#C5<DS-:>ZV^)&OQ:'0X,SR'$N\_?#_L
M9]^JMJN;XRH0\S"85<=ULZF/3ZO@[[\^WZ7!K.O+XZ;<-\=J%?RHNN##P\\_
MW;\T[==N5U7]#"(<NU6PZ_O3<K'HUKOJ4';SYE0=863;M(>RAY_MTZ([M56Y
M&6XZ[!<R#./%H:R/`498MK?$:+;;>EU]:M;/A^K88Y"VVI<]\.]V]:E[C798
MWQ+N4+9?GT]WZ^9P@A"/];[N?PQ!@]EAO?SR=&S:\G$/\_XNHG+]&GOX,0I_
MJ-=MTS7;?@[A%DAT/.=LD2T@TL/]IH89F+3/VFJ["CZ*91%%P>+A?DC0/W7U
MTGE_S[I=\_)+6V]^JX\59!OJ9"KPV#1?#?3+QER"FQ>CNS\/%?BCG6VJ;?F\
M[_]L7GZMZJ==#^76,",SL>7FQZ>J6T-&(<Q<:A-IW>R!`/P[.]2F-2`CY??A
M_Y=ZT^]6@8KG.@F5`/CLL>KZS[4)&<S6SUW?'/Y%D+"A,(BT012PM^-R+E,M
M=/Q^E`4R&B;XJ>S+A_NV>9E!U\`SNU-I>E`L(;*9F8+\O#TSF)*YYZ.Y:;@5
MT!V4X]N#$O>+;Y#!M87D"($%<(9(BBC&"*7.D`70.W.$F4_G:&YB'!F#'"'I
MD&4SK\*[0`A`8GP"UY-CP)!$;^8J.L]KR%^.D,B#Q!117$,0:A#$IW9;_<Q-
MJP!F>RZ.TI1`CI!D**X,99K2\<(?%TD:NG%"#]K;IW<]<P;,:+&\Y`B)D586
M)XR5/RP2%9Z'":F8DKHM9^8F1HX]/4<(DHM3P99$X0\G,G7=2,@EE-SUC!DP
M(^4*@;V&$"2EP#981@M_7,:IO)`S8V6>3ERG9<!L"63G4B`MA$`7G5N0$[N&
M(!G+IE`S8)JQR,T8J2$$,R8BD24LI04!@/XJ!R#$!`BIGS33:!&TZ/7D#7<Q
MBJR5<HNQ'%.1LE8L*$`E\H*T"J;_[U!#S?:%(W)MC-D;(JX"VW!1R,8+,BY"
MG;BZT^09,;ZYXP1*-V'FIFR9(0:9):G*Y"AK!"%%ZK&GY(P^WTX.U9R0XY8@
M7A7?N*E.6<$+,APK1YS2,JI\.RW4<$*+VX!`C&VT4(2,=T$!4B>..:5FI/EV
M:BCDA)KK$UM.7^R31$G>BH79HL%BMP4/4YTY]I0<<X1W5L'8"B)7$$O.%WNA
MA&#Z5P@"$$EV24,F^8$8&T+D`EMJ1/$SS[F'\<+&P*S)+';R2',VR1$$JCDI
M*$M);C&VUV0LV`(NK@`HM4F.(,:6H-V<;<Y\R5=Q'#/NA0V"W%4LQ85.D\P2
MKG?:@*96H-WZ0FH6@T_.=,+UEHP+$7E[)I(T.<D)!C1CQIZ<6PPR@^>R-5+0
M<5@"YRT")09-<[MR2(-FQ%@?Y1:#Q"2\@YT?C"O@\C@E-LD$Y-@$M&L26\M7
M$W"[(CTBAQ@D+Z+(Q:#D)EF!'%N!YGIK,?C@)!KMBLAXG'G;*DILDA&8-UM>
M3M9'N<78C(0Z#A7C7C!(&&:96T>4WB0KD*CB4)+S-E9SO;48R/`9,Z*'8=Z&
M4'J3[$".[4"[569[SK<#H:/0V_/8Y4`1L;RTF923+&%`TY7*ZY9;C.VY,-3>
MZXDEA\:"B#C)M/?:13,WR13DV!0\([29\TTAU9&63`$+&P7)I4HGWI<`0LY\
M<KE=XP8TS5SLVAG)60P^.A)ZI",$`-^0O.E1:LP7;GM;5N,WA9AE)[<8I"AU
M&#+7+0A`P,NK`U"*S"%NI#AVBI@[A4(,4@0&*5?C*P!*T:CVS=M?A1H/#W>2
MX73>%MCW@22+/;W%E6&#O'9`$CGNE-HDIU!CIXA=8$L-,?CD5'L[#LO,'X>L
M7O(P-<DJ!C1;%4QH<XM!9EDD$\GDL""(-`/%<3U!TS;)*-38*'A:<HN!Y+BJ
MLYW)50BEQXS"K(GLW0^[:FP8,?<SB\$<2N&O2EM>WR\H@%)D=F$HP@>!][Z/
MJ/&K!-^.YQ83X7?"F*V=XN(PY<<<P_![__.-&CM'XG3++A#?.>Z2*!VW(46H
MV-M6$)+1).<8T'2->"_L2,YBL+XBTB)C](L1PMLR4'+,.ZZ_[41CS^!O,[G%
MV.9+M&:;P8("E%!N@5-J_\LSHK%G)$X?;/Y\S[C3:<+DL;!!<`YW6EUZ\8DF
M><:`9J5E?9];C"VM4"H<I<]W%0&?>[SE3_-G--PSM-L\%P[I^':>IR>W&#QZ
M`#UX8SO/(&]MY_$L#X^Z#E7[5!75?M_-ULVS.:>3(`SGJWB&F(ME+LU1$+M>
MP-GB<'UQ'H"CO5/Y5/U>MD_UL9OMJRV$#.<)2%>+AX/XHV].PPG48]/#H=[P
MYPX.<2LX:@KG`-XV3?_ZPQP_GH^%'_X#``#__P,`4$L#!!0`!@`(````(0`>
MW!`_CP,``.L+```8````>&PO=V]R:W-H965T<R]S:&5E=#,N>&ULE)9=;]HP
M%(;O)^T_1+EO$B<A"0BH2JINE39IFO9Q;1(#5I,XLDUI__V.[12P*8QR44C\
M^NUSSO''F=Z^M(WW3+B@K)OY*(A\CW05JVFWGOF_?SW<%+XG).YJW+".S/Q7
M(OS;^>=/TQWC3V)#B/3`H1,S?R-E/PE#46U(BT7`>M+!R(KQ%DMXY.M0])S@
M6D]JFS".HBQL,>U\XS#AUWBPU8I6Y)Y5VY9TTIAPTF`)_&)#>_'FUE;7V+68
M/VW[FXJU/5@L:4/EJS;UO;::/*X[QO&R@;A?4(JK-V_]<&+?THHSP58R`+O0
M@)[&/`['(3C-IS6%"%3:/4Y6,_\.34J4^N%\JA/TAY*=./KMB0W;?>&T_D8[
M`MF&.JD*+!E[4M+'6KV"R>')[`==@1_<J\D*;QOYD^V^$KK>2"CW"")2@4WJ
MUWLB*L@HV`3Q2#E5K`$`^.NU5"T-R`A^T=\[6LO-S$^R8)1'"0*YMR1"/E!E
MZ7O55DC6_C4B-%@9DW@P28!^&(^#N!BA4?9_E]`0Z0#OL<3S*6<[#U8-_$_1
M8[4&T02<560)Y.?]R"`D->=.3=)302V@',_S/)N&SY#!:I`LC`0VP%X2VXKR
M5)$D>TD(>'M&B/SCC&J2PYCO[748"R,I=)957.71"PL`$O-Q`#4)DGF4@;QP
M`(PD/9(X:2PO*2Q$,#E&O%P_)9[Y$.V^./G803.27!<7Y7GAH)?6>!IG!W`+
M"Y;W]5A*;&,5D8-E)`;+&2O?'[-P,AOGNM6N)CE8R,$RDB%;4>22G1VVX'(;
M[G()E=B!<C;8PD@R74*X,-3'QBXO*2PT=9$=G1*7T93803ML;+/SC&1`0Z=@
MY\<MK/%'L)38P4KM?"R,Y#S6^7$+"\$!>GVZM-H!&SE@@V:L:QD%D;/^RO/C
M-IASVE^N(S(G]/$Q41RVN2GDH#$I2_0:.UEEES4VH#J!KUYHR)S7%J![Q@^:
MH:99&L%.<#2EHTG&Q2@];!4;4!W(UP.:X]L"=`[2!3(:`XB*O$C1R6%K:\8H
M2_/XL`1LP`]=!-`TG6P*]R88-`8PSU!>($>B>B]E,TCB)#F6&#S36YG6HR5\
M34K2-,*KV%;U33$L[/U;T],MT`0N:.BEG/<E]'KZ?;@?@%:KQVOR'?,U[837
MD!581D$.%P(WS9IYD*S7'<&226BR],\---4$KOXH`/&*,?GVH-K!?9L^_P<`
M`/__`P!02P,$%``&``@````A`#+];+E<P0``=GT"`!0```!X;"]S:&%R9613
M=')I;F=S+GAM;.R=Z7(;R;7GOT_$O$.%@G=$18`4%U%+=[MO0!38HDV1'`+L
M=L^-^0`"11)N$*"Q2$T_C9_%3S:__SF9686J`L7V]F%F;OC:8J$R\^39M\SZ
M[C]_O1MGG_/9?#2=_.[9[O;.LRR?#*;#T>3F=\\N>T=;;Y]E\T5_,NR/IY/\
M=\\>\OFS__S^O_^W[^;S1<;8R?QWSVX7B_MO7KZ<#V[SN_Y\>WJ?3_CE>CJ[
MZR_X<W;S<GX_R_O#^6V>+^[&+_=V=EZ_O.N/)L^RP70Y6;#N[O[^_K-L.1G]
M>9D?AF<'[]X^^_Z[^>C[[Q;??Y@.EG?Y9)$!2=:9+$:+A^QXXDL`>;9YV?V0
M;;SX[N7B^^]>:H@/V]W+/DTGB]LY8X;YL/KSAWRPG>WOMK*]G=W]ZH^_[T_2
MCZ]J/R[UXT[SR*\!^U_MJ_EBUA\L_G=UVN?5!VFJWL-]7OWQ^>[.UA^J#]N@
M:6BH.AKW;ZJ_/K_NC^>UB=(JY_EL-!6"A]F'_J+V7D#\T6B<S[)#7KB9SAYJ
M2W3O^F.]<)'?3V<+&"D[G-[=]R>U-\-T%_G-2/B`NJ?]N]JBS]N?.A?'W<[%
MC]G1\6G[]/"X?9(=GQYF+\_;+ZN+ARD/\PD3CF&18?YK]H>\MO3S'?[OS<Z;
MUSL'U2D.E[,9P[.CT7S`%#_G_=E:A#S?VMK=V]K?K<Z1$!HF"7@]@HOGU7>?
M'_U<?50=;C`T#V[BW(B$Z=T=HM%=3`>_M++N;7^6S[.SY<+$&;)45PW#SI=7
MX]$@.QI/^XLUK_R4C\=;OTRF7Y@][\]1#,/L>#Y?YK/J@.>GT^JCL,R/T_%R
MLNC/'D`TW%)#2]Q$H$;!3-U%?]&`Q9_SVA2'9Z?=LY/C#^U>YT/VOGT"[W2R
M[L=.I]==IS".)UGO=KJ<HV;F+?31.)_/L^GB-I]]&<WS;'Z?#T;7H\<UR5YU
MQ^UNER6K3P_[\UM39\-EGEW/IG?9$(&9CQ;(5#::S-%QRP6ZK;:MX\DBAY2+
M[`K6E'B%<;47N[?(WQ8OWS'?9T9(+<SY=P9?Y`_977_V2[[(KI=LM@I=;[J`
M^0<11OM'_N?EZ'-_K$FJKQ^G^;-Y/EC.1HM1/O^F^E;[<W\T[E^-V>]TELV9
MJOK&QWP\S!930%MHDH=L\[H_FF6L"I(V=M^TWKQ]F_47&9H[O[M"R43M;9C<
MV'W5VGO]NNF%O1?5I4ZF_<D\N]6"ZZ"Q5VKC8(EOLLL)R!??C["6=:75'H^G
M7_J3@>\449IDX^E\7N?14PB@GVL8/9_E=[#<W#8FS-^+>JULDM>DLCT8S)8&
M2F`,ARF;@20(!KZK>_AA.AU^&8W'U>?O^Y-?,L2:R<:CZUQLN$0Q#VH3".QA
M?IVC*J%7_]>LS^9J@!WEPUQJ^",8RH3,S!:82R-5EX[O7N3S?/8Y?^1-,'/?
M'T&U,'M@__7`/O_;7__VU^IZ9Q)J![N&^]Y9#QO3++8GQ^WWQR?'O>-.MSKE
MZ72R-7JJ<+J`/4%TKZ:SV?0+<EX#LSW\+-K,77M$!*XBNPKC#\N^+&T.V?Z$
MNR4Q7+("_A[F?!AH:B*:=C+,K^"\)2JG.IGOP0%D<*,B<3R/1_VKT=BT0FT2
M0_8C:.WVS@[_\/'LY$/GHOL\Z_S/R^->S6+"$X$9C;D0DVEVC^$VQ?$MFJ.%
MO<_NH?A<=A#N1J*&?>G7[-[&XO7FWV9[>L_>M?>0ON4"+3KZ2S[\-A/'Y-D7
M_=>>3QA>&LGV#4U2IX5]S9B[64]AM&M&`A])UCJ`GV#/-G:V=W8+R+^5U[D6
MQF^RO=>M5SO:Q1O?*>J^`&[W+?KS56L7'1H@_QJX8.1U:__=V];!JYTXICSA
MN];NZU>M-WN[\<>O3%C;=H_``!WSX!N7YAY,YZBY-ZW7:/NWN^_2Q.N0^::U
MM[__E3=KRQ[V[T<R<"Q]/U[6&/LB7Q">0%(I^4;1&Q"/+,<F,^8>`/8=C'2;
M3^8CM)>4?:.N=M7R%);V-TMRD;5//V1/&?FHWW,.^Q,1Y8L1WNV+I_E!^:^#
M_'[A+F2&U/1_BVOT&#3K(Z&:(U"X%:VL\`FJRJ2F!Y(@??7-9I502-Y7)ZAI
MC*>.<(%ZZMLE":L.6:-#'G_MJV"OSKJB\IXT\R,`KTI_*\AZ;=:R']_MX<Y_
MZISBPY\=96?GG8MV[Y@7?A,G$X_]G=Q<3AG4PK[DF2M+<9UCF='HYMW57.%>
M_]<FQXS'6?YK?G>_UI<R(YO-I^-A%4U5D:G^[M8ZP7C<Z+@>G_8Z%YUN+^O\
M\;QSVNU4)_G@,4I-8U8F[_Q*$JB>:)#;^!4`#O$H1PN,\O3S2$DI<\Z_XD!7
MILSZUSC"V:!I)O-"3YI=\;/3K;1]$@QGGVJ[[\V6Q%VB;!4OI0"H/P1R!7%-
M[PD#-]B6@C4>#T'T/B9R+`\D#-ST2.*%F*N(ZTIQ5Q6V+@[UB%!D@.MSXTP9
M?>;^P#)PM>VXU]8<VSBIY>Q6\%Y=][2,T#7\U.V/"6(!2B(#WX^G#WE.9#O)
MKT?U,%/8F&)Z[_%['Q"41B;KQ&!IW0OGL^DU01S,A0?01*3N\OY^#%"MC(!\
MT;_)#;KK63ZZN:T)YB?R1.1#^I.<O(%BH;"9M;%3=-0C#=*+Z^"-`U8]>_FM
M]_T'2_6!A_Y8(7>5!$['-8AJ(.0:N3V_Z/3:?U36K4$H0&=)5$/L:7BH0G/:
MZ:V=8\5_SX:CSZ,AB4SG"[ATAL,"OT^O@[NNN--\95Z=&P^O7RQK_]@^/FF_
M/^EDO;.,+7PZ.R4/U+[HA*BB.O1]?SX:U%2VF*]9(MHDT,4EDZ7E)``R6,E'
M3-^'T7A)Q%5;Q=)"Q?:'^0`!J2><5KRJ59O(!J'71[3W\8^=@.]UUK'IW2HV
MG(=6_=M`95-%+UK(*RF47,Q?V\^Y/&)1CJSBC0=<Z*$)V%+6A1R"^=E!X+-[
MY*BZ_K$9*LLRY-?7^:`F@9>3I"%OL8M*B;F*+6O*_N=J[JFD,3-TT-Q2:62=
M&$Z@2!Z\"LB%:('>N,9U-F[L#_^$/3`)U&9<+V>;MKBIY\<7!8GC)64)N$II
MG37,]57T5\'$7RM%(LT<^QC[?&R?_M#IPCB-P<8Z3BIG3JL0F:*I/BQ<]:[R
M0=E_?;*,7JTF$MS/QU]*CN3CK\6PK^MAW]HU4_S7"?'?VC?)O:5`T"FUBGZY
M&JU,JF/=_MYC`94H]*QF*CGM5/'5:U^<9U_Z,Z5O<`GNES/DB)STYFYK?W>O
M=4!^P[5.+=.I_.!O5Y_Y%\6TEI/PTD&(^\7IN*BS@1+B4G5&O>F])*)F?YP<
M_N,Z\Y9H9S-A<\/.2*AX-B#;W"=KH:1'MMMZ<T!:@+W*7]A[^X9L1]QW"ZPH
M0;\@`!\_U+"PHEA1/*Y7Y43%;3:E)=>/0L;**:<JN=:0M18SK'FOEK%8\]Y^
M==U_1+)7<P/_Q)G7Q_E?)?ZZH/`GEX1Y212&Z]Y]#"?M[L?LZ.3LI[4!9`@Q
M3W_(VH>]XQ\;,[_M9`CP`*>`-)A.!I2U2FI=SZ7DK9)BT8TT_]5#1KE\ACG!
MZE`1QNUIK)P0=C'I*)@=6+]_I]KJ7_S!&O].6F?E/:3U20&#!B:3&LU9L&[K
M@HYL*ZM;NRH+M<M0`TTJ(5B`U^2*G\U&-\I-!^=/XV_D:EE4_7CH1&BA8.>:
M:M?3!Q'?*R.)6L5PVK]>R#S+`UTIL:ROK:09FH;AL#>%_<G,@-VKI]9@/D3]
MXR;>0X\JQET!H^$4*CW*+66X838KL<3((T3]Q.YKZD%F^AH3GN*E)_%\%?+C
MTQ_)0QP_*G?GP508F1M9^TEL^:1IK%)8*DU6X24,&E!6"=684,!49+M.ZIX&
MVM\QZV^#5&78?Q3(Z(NPU5E^H[RX\A]FSQ]'$Y&-DEU!NK\V]F0ZN?%ZMHL_
MA1E3#O7PZ!PW?C"Z)[X?3&E&&:BVA6S1PU2>H`J;DD/SDO^!IT/^F$PY,S%#
M\^M*Q65?>5-"$/6)U,G4BH_SHCYO^ZG.O\*6B&1#/;@V9(5=1%JQGR\GC9[1
M!<!6O,;[^.`B+7$_I2&D(;F01'LY]R#&)7#5E%47"3T\CXIU%5TQ4W+EKG+-
MRUQY?Q/7KE#<-4RO+Z<6/%.\(Z8AG_>;RZS%7"E)@XS]O7-%16\"E7(C\.:H
MQI-$'ZF,^/B;:^*)*KTB$XJ/%L)K*M95WTSL4/9N".]!WN,L$=)"%YUVMY-M
M?N@<VK]>*`(]E'NFNI?]0[7?']LG'9+_U<77OIBU>]GOVZ>7[8N?LYKS_>@H
M`.E\>M^YH,>DNEKW\M,G34@%HGO\P^GQT?%A^[2'@WAX=GEJ-NN<QJ/#AAZ!
MIX_,UCO-N]OJ:'CZ5%7PWU]VCT\[W:YA]K3=N[SHK!93:ED<N@IG(^61Z=8R
M@O;'+;P!VB<W466QP0]7B82=>S`Q$R/7@]Z_%KY:?_AGN@_4HV(IC]]/;^ER
MHMNDE9$DFLP?QLC9J+]-!]9LNKRYS4@`VUSB'KH4YJ/A2/UBI06#\XS]VGV;
M7AU//3UCG4[7JL;.R</=?D'UY;/)REI8AR7-I/E<B])XDET17=/&BA%04G-(
M5$Y7PWB<\1BG$Q'`L9_3B3IK):^R9:&H8DC%Q*C8P/+\BTF&RP$]L)H]*W#H
M901%L`F;64C2SR,NLTU_"X$6_D@GD?N:";W"Z#A'B2>@%E:6L*)3I`[)+4OZ
MAP3J\&XTH<G2)E"GSMP[(RS$[M\#YZ\C/!;"9EHEMM]D]&J,99,7MX3@ZI>8
M3!41#*8W$RM$V$^)[,\%]`0[J(X*:!M#U:[Z?4->8[5;:[O*D><7Y):/ST_(
M.R%31;Q&9:_&B\*ER)#6*Q!NQBUVN5ERS;@%[UUT-B^GH$+"?>!DX4\L]P76
M'3]L>1M4XCN8I%4B81KLC4HF!>_QW$F&KM#-N:-8]$1M5<F-+HB]^L8+YQA-
MZ")E&]LBX1/$QY@RD-CE[<MH<2LI6.'^5;E:7<,G'O3QOA"1PMH'@77:YQ-%
M6R9)=`G2!:G./H6J8D3J(8H'*+5),)!JZG;6-B9,DI;WEA]K9O0NLAK9K8`4
M%TQ4TG#U`\\5$$/H[+8/A%=Y/LGR\0A.-B[#C<(GPC\3/*X32CQ1T*<KA\=X
MPI'J@U)$N89YQ&%DNN[4@VBH#=!IL7MW+N4VWU"HFM'N_*`(D1X)UVR"YG(R
MTE^V>L%X@S[IX?J8QLE;\BI_:+?/7X!I:EIDM^B+G$`/RSA;*/)++H_.9#=(
M.MT^[E"3B3#IM92YB\&=2P%8(R(N0%T1WB;$F883C*:*A`+T@91F>[!8HN>`
M;#E&<N[Z#]!=>LI;TL`#.G450.'&WU''E8^YRM7PB85A+K;U&XAYZ""A@>ZH
MU&7S$0I*Z7E2I,6RLWS,['%FJ-7<FMG*;D);9$O.NGH6R]6\V$!;*AO4^=EB
M5G4G9-W.X>6%)8MJ"JR;.F1-M\:B`@1!VVKS$-2,S7V,JQ"WYNBV&NIE(U(\
MQ!IE3@$Y(SK^0(D)%O,'K"%78A*,G/7F85FGF<RV/2OZ;6B#7HS&J277I`BR
MUI8NC9#)&)"@HU-:7J\3U)@'8*ZFTU]@UMCIY4447E1BN9JN0ECO1LN[R(!%
M&CM6_=#6HP&NPMS,HBIJV=(J.5ISG),)SAY&ZO&]RVGD&X;72R;/,>"%)5>$
M,"*\$P;`XV,>*`.EK#(9QO7$8U/U(M/C!%E#[S6$,`RIZ&]E,_1+*%29;RZ>
M@<`OP2+#"<FJ9(38BF;MY8()((CU[KZ,+9KJ"T]*1N<R..;QL(U_,J`V)E\I
M*S-L\YZ]L%7&E9-)"@)AMY`9(!/6T9^^J'&JH5_K9E3E?E'98"HS0V4@!5/V
MB]M6C_"NL153W*/-^1)V8*O>SB7U'92GF0`WK."F@5(5RB8M":=>%TWH9@R6
M1<6Q?W-#VD+`BJEBCO8E(6OZ@QV$0I^U^0?=(F%THYD/7\JRW\"[(`4]FRI*
MOC?IW:*UT(>_5#K6+!-VT.)"22[^W?-,MH)M*]JTC+,"-]J*KBAJ2V5/2,RL
MHR74MO*I<02D18S_B6@`\E3O#$A8`V2OX,]L.(7EY'^Z+P*'R#EP,#UA_E#3
MPQ>K'3.(1)&]+FW>^-!T%1AVW7$?U%722FI'C2(3CG\,R@C4'&`U"OX6,KIE
M>1?15SIR:S'=2L<92HL[<C^/\B_0/01&R(%D''Z?CW1,PNB_A1V?D/:ZPVHK
M_AFA2$<SL;,[-+-<DX`7PRY4@_"T@SQ`[@BXI$,_P'&C&>R%.VG&%];(^U*?
MDZ$:+F3+RW8FB))4Z1Q5:@<R&")<MDR[<!;D!K=3'";UHQ=+HB+S8E[;58[)
M14&KL5?OJ%XQP"U3B*']FJ,24/.`0J(BPF,TP@"AUP"7DR]X+;>T"^A(#BOR
MW$J26`TYC/Q9>`,E@_>(<3.+I["&O:'B>L44P$T#$";?YBV)>^`C$0\WD!,T
M(_E^2(D\(($%&2S[9#YS.&%C%B@DA@5GU;YO$Q%$5Q*E)N-M)W/".+1@P(.?
M@V&5$A_I'(?*F;;JM_71US@\CL42:1JFB(!O9Y\*_5_XJN(Q5+^U;MC>2K,-
M^I8!I)A5^ETD2)H<Y@.5D85#*STT]GVACTL;,F]?`F^\LVIL&@1"!'"1R!'$
M$NQB/TX[3N7*!\5CC(8B1.)@/0R:>J$AF7&;L>.7R)U2Q0PDVN'D$?^&33A,
M`Z"D!X;+,3.D#88N+-OC%UK!;*^0F;EQVF.X@&R%_.5V=K2$DSF790APRV<^
M?=)UQK]F#N::D)=7<22.3R\'7I7C9\R`A0TV[Y$98LO.+0?!@@BP(T\+U/3I
M48?#%QR)^4C[5W9RUC[E.-WI'S)K1J^YMQ*C(G*]\\@_"&PL*%5:V?CU?+18
MS*^6,_(^FT<?3]Z_,*F&A#+H..0J]%H09'O2Z6&UZ"-ZRFS<X2*6%!?//54:
M5V4^<(@A_XS`(M1FQ"6)[B'R6DKREEJVBM<$D.L'GQ=HKI2BPC/0P3U1(_HT
MFE6OR][")$L9%&45-G9U`"4>22E/ENAHC"]=@G6#J8?D>`A`)W8:IR1M6BW@
MQ?S>T)/$8CR5Q,U&5N\P4%O)#P\.MP&;2Y'@L[C3C=P6/%B"#$WL"H?M1F`8
MPNO:)/K.XL[(/5'/!IRGK9*FXG53\A0WG=F41K*P/6H$*;"Q5+LO'U=+4?H7
M#BSX),A31*)S>X0#C!GCFS8'3(!&L#DWB!4QH`?8+\68QE%11J_)]=CIJF^R
MS?X+,P%%$#FP*$R;#>!)0B;*:7D.K<Q>X%Y^&H;!&%2#R*WX(1/KD"&T(9!*
MMJIB.DGQ.5P<`(4RLHS27UA"S+@(M7GU0O:-A(0YLI$*QFJHI[L^J8"DB)*H
M@.]Q_XL2":&VIHFCN4S,;SYS&LP>+6+6J\RLG10]"B73G&T.'&'2O@,S?F,=
MY1Y;K&2KE`IZT3)H4N%F"7N2,34QD=VTC0BRS:'/6CCP=BI6T)3PO:+I"W;6
MU"ZBFJJB^(L?OX!:69AH-X(7`@9AD.E0Z5\4+@9,+IS27#6-*"78K:F^XVCS
M@GMK6BME31\-3`WESCLX%J%XZ3R#NU.<*G,!"9Z.LFS12(507HT*F!I0E>Q3
M``89"J<1$!1X-<_>[7":YT%A(3ZNCB%#^IP\(F0I8(!WXDSFI_2'Y/F@!CJ9
MK-^*.QFZT]S;((ZI01+BOQ+40ZTD%W`:H=G.SKVK6<K,;*X9ZPG]YG%*K_Z:
MXVY9QRK:D#,2%IZX#]Z=$%+L*7FFLGR>T_Y60B(.T>0F>^9^D'%8VCE?`(S+
MXSUS`MT),9V@=_Q\5)(7J&XE4_P2G#Z3/6H7\@8@3*49!:*(OQ**^8>19I5S
M)+3>16%1G)17$E>/(QQ1!"+P=8$HIHI5"=N6(!OWI0\U8R"0;R<<FC#.D&J.
MSI'DB"0,MK;\5+M:X.O@$,%_<MXLBQR!VLXN\K5;%L!KH3![606B4?JRHTZG
M+H$GHE[L"Q!%7`]$O6GM_M:G(H9`C4_55`4^AGAJZ##%*,0V`C'U)FF&D)?B
M161A6E!+OZEM2?ATKE0L4?`1:!(-7&D'[8+[QQ&',*.K>N@231Y+!`.;LB/%
M<I[$:D1'-_O8.?F0'9U=9%U*I#75=)C/S&&:Y%_@V(@A5KL>_9H/MSS=\CC1
M5EUQR_^)#Q3MJ@7<H@`YH>RF\"=P(J0^L'S@K>3,HF#7R(0+UOK?/?,85S9:
MQ5PC/HZ+,(=TC<`I.>-A_"Q&5N;7U/#8NT"I'W',6$6HXK*1YH/@/54H2'5;
M,%I4$4JI$P1,)E\X!DW(K+?:F!Z6UIY-T=.17<*XI)G(>!&<D-%15'.X\G98
M6)Y&&&7\0UG`7`^\H-)@,IZH_<W=%X:9M$HLJ'!2"7LM$.7("GF'GE+_-MO<
M\S%D6VRC,.WT2CSDEH;>&_S?34[%F)?$AMPNZ%?S-2GNSN2BPQ$^>?\7J1#S
MM.U0C9ES7K696(LCV\15JK.JP]@=!@,I0E#LF#@7R=O<=P@#R$5$E,*#0H9J
M"*]/REI>>$:%],GJI3H+.;"8B0=#=_`Z!+5T!W=3Q-Q.C9O.+SJ?N+?&J^QJ
M73A78:`FF.>-C3W&UM+,(K+K)8(5,A\P54H/KB092VK*E,IV=J)'L$9).B0&
MVYQ*Q[^)W:1ZH<@^!D]/5;?$FK&2HM1ZCE4EMZK,B)$/5=X,?^'L&!O`*UMR
M\%,>7N7*/G9V?+WUP"EKF9'/,I%3+E:ZK"RSO!=S[.]D>M--ZM5R9"<]0`B;
M]!=VRR\H6+RWH%K*'/-D1^A`BKH[K<J!\T>1WTN#ANY"R7\%^(09!6@)$6BL
MT'T.I5B$'V:-&"LOW/**A+)K(I6UA.4S>;>F-3T%IK3W:":[Q%Z)"*5-5)4P
M.H,!-E@B8;3<)5*B>ZQ'&`E=`J:-P-&0BAG6^+9]0CNTW94C8V+1_LE9-S+R
M(>>F?NALG1T=9><79X>=#S2/U,UPFS5*C1#HC$6XSB9L6)IK>0<HQ$&>RV5K
MGN9#'\Q5(-(4A<N6CUT<X3KK"Q&)D`?W-:,"H.X7FO6B%F*#Z)^0M?NB5!GJ
M4;@@#V"!(0I*6@^<<FT57+B<D6EAD:NP`"X5:EP79-RH_%/2D&)9"\XF"RPJ
MV7\=&92?MI*N=Y,]'4]O>(<]PG/X7]3#2=KAO(\8A51(]WG2DY?X3TC?IN+6
M\GYHJL`<P2)9'+Q!MWJ6<_&8CNF2/T&F`E$3W/TA0M'GX&20W+654`/4L((#
M/I\KZ2Q1:3R/*]!!:>2_OAU^(ED?#L[(F,/792S`>"H#S&N:<.N[RO5M%Y[9
M!EQ`A3N(.P;J/R&I44IZ@-04Q[D/Y@7[9/M#VBUHM(V]`[_A8P5)Q#(6@OL%
M3P-<7G57@#/2`[&=2'*6(FMS+7%M4N+<'&PCB#LPJ5C0-!4JE;3.B!OQW#D`
MV;#=TW<H4#S!!!SH=U/+B6T"?0514S8]AIH#<A]PE5C1_"'EBKB3ZMJ3]?`V
MWD=4,2!9#%'X.20W2AD?X>Z&YBX$<(KV:D,N)T694#BYT^750A8$#48VGRUK
M(Q%3X%KI(4,\3L\1+U4(*Q#NK`>Q4`:I&H(EMA20XT6!Q#=9<'NP40KG0SH+
M]'@%0LA?2B,6&P?&<)[4#:]6#'@L?(D8#RNUI4MCW`N97@ERR]:%_#W:JT@A
MK6S%HLW@O912>X%P)<*(]]$HB5"8?'F%[$50U71W3V(N311.*#(<5T4WE63#
M&59;J9TZ8YM[*@DKPD6IJM*?Y"3'6V):ZIQ.6((4MY)]&`-?R:WXW>C&6:;0
M88"@E%E0P='J6&Y5Z0:5GZS,R\"A'PH5SN4*B"X%1%J6N'JV(&4WFKJ,%8TD
MZ"#B474(A788W":V0%Y*V9"XN*44_&B.^-F]/2U'?5]L$/!?W\4_"=&H'!D-
M#)\7K2#&FB`H-BH`5,'/&:H4^=+-+7Z6R/RV+3H#2R8MY+*F")>A;,'-D7-'
MU]KE#%<),AM657PE*(2P0X\24"\EZI?`HV/+CD2+?R,-H)\XP4V%H':OI&2)
MC1N,"`(?'M8-DUC5?Q[ZV58YFQ:8&0M5VE\HJ`)':4.Q\`=3842YR@K-B'T(
M?0?1JPFV#>]A8:I-24:UK,F-7TQ;&>FFR?2.ZQ5II;8K!H?4&2=<>DK"3PV&
M9K[-HRRG<<3)O0\7#BQ:&@Y&/J)N!DYWG/!.;%:LDI/^,W<LWA&;%_Z.$1H=
MXD7;(DK7.WWKK(LYD_Y2CA,<H\XN?K8V,H-,NAX:TA!K=<#HP,53`K9$`8AG
MPKBS)W6FELMMVMDPW.UJI@8XU$<'%'6B?RKJDH0OGK<+?AXLB:0$`X`S;<V>
M1)$1W;$]Q$)3J[/H&@FYO^2]=*9<D6FT0WA,NG+-0GO2&_F-9]S!<_&#3:3U
M1.$'N/H*7J!36`;L.APX":YE>;\VK"0_B@\\H%&WU&>+CPWK<C["#P5<)IA8
MQ:0%(W`FWBP<"ZI1/($JE;$]-P*68/:@)$5KT[TXXS$1EDIC0"9]F)`B4E5L
MB72$W7)8IU7;KV!!2]"JK'68BN(]^4?YO_+;B0_<Y[ZC2U@;MS?"/8$GZFZY
M"*8*78,$<6>=0(]M9S'GSZQUSQ:V%0)K:N,GY4(\0Y7\8QD"QXU@TW:IULDB
MBL?08LE=+F(1(.V[A!DK%04C!0)#=:B:9^?1@A$-P*L>LL$=$:BP7KFB;TG=
MX$9((8@-#`!3#.Z?>F;2I=TTBN^^.DLE3U]5)5PH09(E:1YW)8A<X`U7?4S-
M(9+%+;M9<9+OZ?KT++9KPQI^>RN6H4B",TOA*9N,J)V`W8"6Y@J"8KR2\1?S
ME?ZL)-%7@!2FG#@@/3I=N*0HY%@K1H5Z7.C;]:VC#(FQ[-X>B"\[45KPL?5!
M&FZT--;MZ#[4EHNNL!1\R-E!MWGS2@I")&[\TL^X1]APGI+$)5PJ%ZUHMQSV
MB*T`7/HOFGJ\&RPFI6A8R*[LGI'GYXZ-X'2[#X`PW4N#I^X(=T"NU:IIIASM
M,AV;HI_K(F>&XWS&*UAOIW=3]83HJAN'P$-4\4Z42%'*SMQA'Z&U1,G)(#5J
M0*!9YNK<EC?IJVF\7O0E8^S]1,PBC@F?S*$TF=T%L,ZU<F(&-\QV(8%9">12
M:QU2"K0%D$E`-$FQ8X,]QH[%;E4BBZ8G-B:6M$4A@P3E<$$LGT@5QMH<&_(V
MD2L.`\R6]XL!60@>>FO@1*V'\D.2I3/G8`9K2.#D09617PVP5U,]EZ='EZ<?
MN"O9<CZZ)^>XYS>MZ0362:?'U6!^/N.B\^&XGLD4QR:38.1<3G1=&9QE2E#R
M%,O70A^6@>C36"W((Q(;4[<,0BLCR5AS)6W,CEEMI/!:0NYAOKRFYYM\SD(/
M^E=<OG4539RMK8MWG9?$Y%;2AJ@)N+`XA`I7E+JD1`OA?DFP3NMS*,#N/B3&
MSLO(N'F!0Z0<HGU;ORPD4V;$G`!4@J">6P8SK(UYNBK%W`4Z\2(X%5!H-77-
M1K839[JDEHK(!1+F?>K`L1B//H$LL#RM6DIL&H__>C\*(9U24$_8QK9==U+<
MC8.*\BZ"?XPWI"(L"R5^,J7BF;L"GXF]H+4'N9;TA-268\,)OXMAITM/_#DX
M:H=0*1TJZBK638[?&11U'6](H8<DZJ^X%.27O9X)NJ#4A4A?*/96*T%(L;1P
MB!1(E19]'^Z"L9-3YEW7QM=M[L4EU_4U%D/]))+5)]VX!_C@4,%FV1YX%M"#
M%K\'P7X23'8%:0XE8G_)E)QZ0N%3V@=JD*@G;.OLIU-ID..C#N<WNY=4U`[K
MQ<@><Y<-42ROH!-6KIU&\?K18]57!Z&"2<^0W1+G0:UIY_!2TR8?PZ^[?=1P
M#!.I:!:S84B.(<$;=\Q+Y&2)/'VE0Y2(E-T0*E+U;`4:^2Q%G)0P7EDG^%V!
M-+"B%'WC)=R1K^3/I134&EIPD2'7.!WKSC,O7]:RK?$.<-;WNZ^L2)=,+]NZ
MTDDK4UT4(,3GBJJT#<L6HI[I-"/0M8P7(LYUTM;D<,U=S_0N`R$QHK4QA]R]
M,;3&IT7Z`V_I6W5-@B_L7G@\DU-DF[Y,M^B(NH^1A.D"%)/%$)J]9'Y1G&D\
M'`2]59G!K"C'/E%FR#A;RR,$=BI$^2A<<4Z,>#U;QC<CD`83!/UFIK5(X%[R
M'ZE!7KD-IP8L$HKA17+2/69KFL']4A"O-2P*S48$HKHU88:[))T+$]"H^&"&
MP,]LK2(HE`JDH.,^2ILNIX'C[FNRVFE?G'*W1C?C`M65*_%J?/)>E^&E?+Y,
MF]\SI;TJCX]H*DX`)U_L?D3T7TS^P$.E^Z-*]H<2I%]_]]B\OVU*0YP<VQ2D
M`-50J\@]BI!8)YY*@["P_(4Y&31T<C``Y-4&D$$\#\+54&V'W?T=*1?2&E@%
M-BBR*T'IEB@6.TK(0:/1MJ;$VYEG,PR^>'T7TA)57K:[L]\Z>,/=5J_>M=Z^
MVO,BW^[;@]:[W72'-WR\L@.[@[R$3YJW[!BDO@9BWZ39L^7XDX_;L$$%M>:-
MTZ=!9LJ&*W$12&@<)W2S".<@#`%R5PQ]['%E?Q$0824Q.AL:TMXQ):LOMD9%
MJA2W%?&_G75^U>EHJ4?EQ,V+6'F#%D-7->+_)C3%98V"Y:W;9C;VMW<._O;7
MK;_]=>-@^\U!BX!@^^U.^8'FY>'.&W_X>IMJ\5.Q)G:-]U'*NR/3DEON*+"/
M,('=7UK;K:G1DBZH\Y90NQ:E-4FUC[\HY\\W>2C'Q:]>5%WYIF\<;![+T!.K
ML7E"(D^ME9@4AZY?NR?M5-EI!<(U3;!17?.TT'C%>2I8(=)*+!*.)56'?LB5
M!\6^-*SSTY/U"%VQTDZU/73\T"MX]F;0P%PO`V/5+A#Y+2L&H:BO&:\*E(8L
M8Z"&1].H-82X0JP^MA;[K??M+DZ5+NOD5D^[[[HV::\P2IY4E#S?\2$OB^QC
M9DNZ,)R$E#<7+&W(OAFNML`HK,8&*#3-HRXL32XO-UP#L/'6OY>0;>R_M8\F
MF)#M'MB_03Z"HI-GY;E@0LWKT;Y`]):.!L7E)F^U..;U`=,4&?4B%#AFNZCX
M!+_6?U&T$IP&K?.>OL=?MKH#^%'JQ^>0,M+FP5,^UAG'/#LEQZ5S]$(/$2"7
MAO*V^\O6LA#4U!(DU425^S\N/UV>V/>&SGH?W;*>%W>QJHWB4<*!L,++$MKX
M3D^XM\`#`3VK'@7,_!;6:,16'-[5*.9P9?2Q>_'J>8<>I=6DSFPA]#4NBA^U
M<D\V+N()*2EZNZ@9G5*[Y56\(,27#D])%PC=UB/@8.?S%T)OH3XLR,`X*T["
MJ.G`:=&OB7F'_4+M/Y0XRX&F!D??/*PB,![)5J;^?\Y(RFNUNS&8)K1,E+`"
M'A"7U'O51`^MDX!MN@R7NVA*M\JTJL*^R8TWO8]GEUWR+=V:@CFOX]B95+G!
M$BD:KM#=?-<ZV*O=*/JB_E6<M5?I?HU&U:WT[/M13T%8=>3F06O_S;OJT^)*
M$!1ANN_8+@M)-SC61.L,QH*32P&VS`4DLGA/G&'_*/Q!>8+NU*8WOO9U+CSZ
MV/1_A5$7>U-?TW>\6$=+E&[Y*HXHF<N);USY"I?K/(FI/-D[%<0W=O??F#[%
MCP`X!9O2J2E5R&,I3WWC!N=17[GQ)WO>(KGQ+HV6-[BZP&U_:.WBMMG8#VGI
M&N=NB9+4JS2I7X>R>7;1.7NA)23:-,PM@WK:>//Z=6EU@T??XBH]BQ#MOGY7
M>EH!R?:\,.9)>$U[100W7O,)&__X3K'SMZW=`[L@MK+WW9W6ZW>KBU7YRJ\T
MS[C=O*&+[4/T\X1QY>.(?]$PY6Q.U)5V>MA-9[`6#;T)PEE1!S6\6GY/;%*B
MK3&I]&Y8TE18\0&EDE'CVG?S.>DWT45X8V,-I=75XQE\U-+$P?;:)CSI20@I
M+]Y,?H"[FK*@%DH`H>Y>6-L@*N.`_+X:A_%Y].%(Q37VK]+Z)=QI+6*F)0UP
M%@A/8GL988F'D"6.LGQYL"]*.R@;S/@)88OV8?MFO:LB&Q/V84<("H-"#QEI
MB4$]796^]<`71#JZ<XCV[\/>XP8Z.3\@3K41-OL9'TFU6F+"<':FF5,">E?,
M<R7?)T*']B;M6'4==4[.\,@E9F"@<(>\/ZH,`"UU7'\2X]/B34JF-%5+ZZTF
MHTIO!!M?S&::R\;!F<J;QIXQ,"XN#C]Y\=BHFIQ"Q#(&-S2N%TNN+E<LI:,/
M!>!@(#BEF#25!U-'6MQ%@"#_5;5(`4/.!`B*[BQ&Q7>=X8K4VK,SWI]9\J;P
MHHY-J[:>67,*F,"W\>@.SA5=!1(+%(59$@N%%P*80!1W[-WV)0R95D5(22F$
M3@/8)/5&ME6(LY9W3+CW(="[H!IABJ,3QZ4@/0ATH3Z*[#;"IP9]2>HJH43#
MFKO:@Y#1UKC8JK.(W8%8U650P.HCC2R^PHO\HKJ],4-0:9.;DBV4$C+4R;CJ
M$@[5)$J5FXE=E0JVK="[)/0@ZB1;<HFF\?6U"8,`;%8$(2X>ZQ90CHM75YMS
MRWM0JQ&U)LUHEMERFII$1X?)XVH=^D=(##:"S9NB:$"5F5``*B&FT.DKXFIR
M<>]7+:W(KB5RP8[X2/TU`DP^L2E6=3Z(Z%9)X!E>,%T]?!''56S!/)"O@A>Q
M*I"2T&[<<54:W,B7C(P_*)NWKRNM&E==<&WBZ<I=B+AKIQ_:%Q^JJG7&EYWU
M#>EOYO><2?O=LWM%/[1M//O^>)+]?@DC>E@HY!^E]J&V=TH(9T0WU.QGPWGV
M?LK_<'"\W>7@>+BHOO'%2VNDSC;;W<L7-OV64F3N%0"/_G/.?XU>\@GIORC1
MS<>I=Y[Q%S5M3#^@W`'IKI[,CNB1\%=ZW'XQI^SU);N8PN3Z]9IV*G;@,^C!
M2YMXP=[,B>N9<MGL3>_)KKYYM?/BF^Q<^R=K;LI"YG_"+6(E^6=(]CX$7-;)
MTK=*6ZA-@8\3\<XAG40/!`;D.K"R_:P+BZN`K]%ZP:K'??OST+L@RB-(U-%C
M&/MY2ACYUV"CF?R>C@^DBHWU2*%,+@CR6XC,([#^&T68R?R@M&-4JK(6_3Y]
M5^S(#Y@%2XK2L"NK6)H'+&FXAW%0F]96_@SEX?((/!!A2199S.DE`,VMI`.]
M)A.+>IM@"MB75I!)<"JOVX#NLX_Y5!,..TR&3M"BA=))EL"<$%T@H%2DIA?.
M5NQ9<.`4-_X+T))2C)A@#ZS1Z#W7GL%>_PM650Y(7F'A\C62!9*@L@UU1F0=
MB_?41FB85OC_IR6&BKZ)B#V9#1Y+5<=SSWC9A4N-U!L?NKEV;9Z*@6HE+VK>
M(K6';@H.C?B_"9IT340X@F`[,6FP+JVE[H@)!L"%A/)'O#I)]DVVP>X%<SM9
M]G)*7.%7`7CQPE]<QYQ_'V]&X^*%KL#>HMZ5Y9PH.>)060]B'4`Q$XPO@U4T
M1B#B2(/8N3Y`G%%P!7^L!#IK-R8L-DQFA#;!;Y9[PWXAL!;)2FJ7N!EHA@HO
M2(3%A]$A:9XS[!C_?^@Q@`D_.XG*<<7SE5A?<WP!%K6TJC.$.3>C&*.5.IL4
M7X3WKKBX86)^HW\[+U4:2.::F:2"X^7)84B=`@,:U?HR*8,;70HH"RRX]K9C
M3T45RO02NGP=!8)0K>`ZN<=!QU[DG)^-4ZZ<>:A"QM]8>PB@9,>"QC=RX#1P
ME*Z*5/&4P]_)V;'T"Z7=)A4;_!TLX\OY"">!_^??C_@Q?>K,-)'BRKQR@9*3
MDGP4`-,O6SO\^._T0BX(O?W;X',KB/4X"X$"5(WI:I%=X`O/L"%H0[X[K>#<
M706[8:_+&1[S6O9W=[;,<6&RU9PLNHXI4O_=A?)('3-3>-'Q+(O=)*QP6`6G
M[!,6T;[L<6*-C1;$'U%['V"-.9I1H%T^B5RT?[-#`L\4_%V10G8_&UTK@X'E
MP6OCY]"#.7#GP#164/D(:=R4E__QR*1QR%2:.X8,P['*6H(_GDA8C&<9IANH
MD*5;[G:3D*,[I`J#(X&J21@O9^ZH_2"IQ&!JR\0_X;R7W[[CN5'#_DI#+5_W
MM2C,;P*)1\<3='X(W#PIN@_'&?X8)A(HI=*^"H1-C0=\7_2%6R=X@9-9.GD>
MV^V%C<^Y]T.@-E*T%CRAKZX98$L[X&]5MN:19-:=&(\#56$;$EN*HC0@+N4Q
MK-!/%CR<&4>CN*/-)3A@)1T@QQT,-Z8HMG854&*E:,VCEC96\-X4G41S[M>Z
M=HPS$L/S9&5P`/*K>+#>^9!I2\C0@O&H/RP6XTY26OYE.[8N9JRSB9BT8"C6
M9^:O@N`B@M4*M(,Y:0<@([F*6.6`[,RM^$HG,'7)L/4*N1GD=7';&L^M9H]L
M,:1JK=6\1_D1AZ7&I!1ER*2&5B$/P.=/,*K5`5^SKJ\L9`B^G%K,:)C"'K'U
MOLRM;W6M]EG:?;<Q]UC4?"F^EBRD):+<[PP%8(L!RH7AVBO"8[">_(^,9SGS
M^L\WI(OOTP<9/EQVLJ.+LT_4R\[/NL>],[ZV0#]A[[AW:9][=EL9+?!O&/C(
M9Q7V[+,*?S<(!/;I>M-GA\I;FB.Y#-V!H2JD`P:EX_#S9Y9<3,>*K_D@#@I:
M@N1'@.#TC==>\-!T&WSY;K'2"&+NF2V%(T'[$"-+[3[BW]#8[-&OQ`9_QT_3
MIU2#2E$+.^>MADN.T7HZ/E[7=^'09-T'.N_N7+P2R`E4Y9>D/;T6@H?/0513
MVO>\PMGF*^DH+8E_Y];"W`9B*#89>\8"FG#5[;.([O/CJ&IRTU]!<;"Q.XW[
MW">!5A3T%`:82RT\!RUIP]*YINJ>WM-N&;R+@IW\XU.5B[RK/-?XTB/\M6_\
MU3BJ.K7\:;NRQFM!HGR1/S=\%;7$4J4\)*KOJ`>9=U7$X;7:Z#$6-6CXHM)>
MBI;$.$2O>6U@I89M[%<%__",EF2:5HYKWVGYX8(>B.SRE$^\G!S_+VJY/[01
MZ^KXVEM^`47UM:/V\47UV8_MD\O:=[LOM[NH6`ZN#!ZJ[Q].:=2SM.\5-:Y:
M9U!II,YAF(M*B\S@%WBYP%MUTF;DQJ-K\<:8&FI[_E'X[(Y66OMZ577>"K`F
M]9ZT70]+`[UJ'Y?<?%-=:9.VQ(9G]4?UMH+-@X/J:W:;22A,E!C7#]*B#PG3
MU1@(VW+:[NI/&#\U*@4C?^CE<.*QTM!PMLSZUDF3+6V0U$KL$H^G;HOSI+H_
M?'H[NE+%05HP=6!*^Y#@*<T>L*GK!'090I_H9#K4S<1.6(5!7=2SG>Z?I31T
M]C_Z=_??9N?3Z8Q70[:1R=OP7H/.;F5OWVWO_$?<IE*"),U&]%`BMN+(8=9N
MMTEWF%)%_UDH\&YO>^\_FFS`WG:VN_WNT>E\-VV5&0B];05BWA3K[Y,)5\;=
M]7M`N_&84*:(QK[`8QTY<OV<3/)I4VRMKP<4K&AZ'<S*02%$\-N:+4D8CKF8
M=*5&6VFY0MYLF9!ST8?UV/ZN8VM>ZBM,UYTW6<6:6I=:U><'E);'+D.;`EAJ
MT(A2@P8T#%1E%V:RNZJ,)C:)&,J<2&V#Z)EJTFHC2.3,:(`J=^"6/CHF!MC8
MI7OAS5N_JJ1I<P;6QKM7K;T=[[)H>&FO$0.1L@H2S4QL[+WU+@D0<H//N")I
M21:\:\N<$+J3U6G"ZTU"H_PY1AU#+6YR?WD#UR0,J:U03#S1.=&J7>(*T_*$
MH4-Z8__`>PZ;8`X#!.N:*7U-!Y$6E+-8)C![ZT%:0H^5YF0/M1V33IIR'`.>
M+?.S5HJ(Y9R0U(M-CL"VX=TNCTRYYU.&#DH[-_WHA.%3R%)A"41MV%H6`7'7
MY]O;-[8`_94I-5!`QMX]`;F[9^3A[LW:!P0?\S8^U[ZI[MW8-!KM45WUCTA%
MS-&4_:K^.))S]_7V01I2-&;O-G+P5[OV=#N"7SL1C:T2L'Y>):1+A(8ZLP7E
MAO!6/*]PI8LICA`#:H;:F0?_VHCV;,VJNGW#))5N5=ULQ]=H==6(2N((.7\V
M:-^?]<$23"(>[X282]XSL2'Z#V5M)82MHF/-P?2V?@WP#+<E601>Q8?4&PEB
MP:AWBAO-(V@K!@!3IO@_'8QKQ!FIJ&B]U%2F$#:V,ZC+/L49A`3QA!G%T?WM
M@UW/0/N*";08#*1P,T)F/%ZD]+4%.:DE-=YD&O=M6&%:L%BE/U+J<>N]^W52
M&X6G]1ZWL#R_E//^-A\DSPXX36"T?;7]9C]FTB%6"K]^TZZJ%J:\9H-JK^WI
M"=N8OXP>YJ?H8<)F;*_J0_H)D=?:EGX^V'Z[%^A4]>PNZ9K&O?FA<WKX<_VW
M]%/VZ>RB]P.O;1$6'/Y!/9SI^TC588=G%^=GUI/U_HP^V.K/O;->^X1<@+X.
M7`G0LO:/[>.3M@Z]Q7M0JZ-76FQ;6>>/AYWS7O;S,7>GUCMN?_+#^<ZCU9FV
M_J/ZQ.^\\+?]G(V-K[YVX*BL/O;1X<?2<+R>QP;$7U=&K%GBC.LLLMTU/RJ8
MRAZ)GHS$!1U_*QDSG2&WIOCJQA\CJ-UIVSO+/NDCE<>]&HNM07FV9H\]U%W%
M=NA&$M.O&`/4"8I&]@&-A[MF!;%"WWGIS*I6P7&*?D:S)M<WQ-&PX?S-BUJX
MQ]<.N_1[MT^Y_`'$GO8^UI@]_9#958RG/W1J`:^AKXK34H#='#J7]5\EKJW.
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M*S%'SM0]3\"[TNXR&9*=(M4:K^XS;R==*,AL:_R9`C^^0:5;F<E:M^DY4_N&
ME<IC)5Q][Y^]6U-#*1@J1Q)_I=;L=R%R+D'1.OW-<R[X57"M,P$TWSCKP_36
MY0OF#&Y]16.UWX0A,0.I="_#0J;0#Q(9L$TXNNO_B>LE"<57I9F(-V+&[F=(
M+5/<TG6PHR0%F1>^T;0T-(FVZ5/F:"1]N:V6M#B6(TCXKYJVDMR0KG+/M">(
MRDE6[_HH'2!@FPAF2)W:IKAVDA!#4WO/-PEI71/NC$.6VG-O_C/W''*#A25]
M!Y91-\8!L/]#W;DMQW5DZ?E5*F0I`HP@.01!4I3'5D01!"5T@P`;![7;=P`!
MDFB!``9`B:+#%WZ4#C]*/XJ?Q-__KSSMG;M`2-TS#L?,:(BJ7;DS5Z[SL6;E
M<W`2>\ZA,>^&J%O[]C`*H3]MDCO1.!.,>)W+782X0/4,DF179AEJM=Q#NG&(
M34]Y[)U,=K__RJKB\`4ZS.*\V>DE`TO9IZG[^,+N$.CG0G-'(#:6I+[$:^?^
MW;!+M:VDVL`DQ3XRJM[@)X#9/'^Z9D>D$))9Y[Y.SSK_+1QAS!F'?;3</FM:
M[5[ZX"V"Z:D%T])?CO>R#Z2+],'1YZK610H)1N2#P1-GW(,RQ#/JUSQ579!@
MQG_LQCU22XWLW$G-,$<Z=(?N+^9;;B!_E]A3:B@_/@8-YCMKB-*"G9\V=C<W
MNF]H1?_3YA[3XF<KZVY.=F^\WBU;6AL_.R]-O^TX2OJEL6K\Z"W+KHZ?75E[
MTIL(WW[WK'N.</_3;E,K3WIK`@.CJ^I=>?;TR<2*WS[K]_/MM]U^;CE/_Z;O
M)G:Y>G_MV>3[)W:Z>O^[)[T=];S;%,><`,>S?D./6;`_IOJK=&LBX]JQG>0]
M*P_)O<G/WU^(:^&IA'8^YOQ_O`2TT[5W`-\F%`%W%5?+@I;&09H82J!^X>&.
M<$*RQU.S8**+[;0)-`/%$C*+&GPGDRC7+";5SQ63R"0ZX5GDM`T]DQS01R0H
ML2]G&T=1#R5_*2^3;35U/HIIFL1+#U!2/M+RCK@AF2F5($*&A#^2RYBLNP@>
MKHX5K-!</C`,!M^2)/G[$S>DYHB"#JP^:;N)$4>L;*S3$LDX0S0U1C!O)B<E
MMBF6E#J4U7ZT\MJH0[_\S1[5)8%SBK,%F21M.+77GY+[I&M2$(EGG5MLH@&1
M$J=[3Z,.2H]@#O.E@^3NZ)9_!+3Y7Y^?4]'#.N6&RI^=VUWK6P^MI^)3CB:A
M7H,(B/HA!A%QE#!4@R+UB4KP?8<B@=`DDGZ%_,UMJ($-63%<NA8!MKD>).DY
M`>RI1M8=)]_OI8E"P4F<^(C&I"HB)%B72).<5A2N#LVAKJV5!8[A2MU>U)%R
M8W=]<[XUYF_UFUF8>?8NXV5^\9>9,DUF^(HI\AW_3%^-/XLG'Q1'Y_A[-2(X
M8!OCS[=DE'3&7FTK*JQ4\,@*F!":NTYCG,=+K3>Q]3O_*!HN"(+7X_6D.JR[
M:XS=XCAR/<QU=W/OC]VCI96PMNC["#6@.]D>40YZR[P%NX(.=>?1DF.\Z`_4
MK#4Y;<:.Z2?C$$NPYZ0[F)!SC$.)'4N'EQ+3X"5\5448>2R((_>'P?;`8]0_
MO[>=72;V1V;<*4V*+/RMAB8NJ\D\P?O\GK*-A2S2XM;")4"-8%;2(4>(5'7Z
M43%&*7!!"=0LD4#=?E7+_=JH<(2`7WI2G5)0OK`[OQ8&H)FWZM=;ML@B2N@8
MPP>Z90>YBS@V8Q9D#=3$+3D$=I\$"XJY\D)S%7^`0SVS@60`#%Z*U2&%-&*-
M(RZ:]Z1E1`\8@98,DF9J.$$A*RU7+M6;&+7..T;JAB@(4RCK]XU8F?@Q'[T[
M)%^0_P^ZEBQY=L=M1HL9^#;]H2LK5I^T8Y+2HYIZ+"FJ5*L(QAG><MO.V0_N
MC/7AZ0M2LE-5^W4`J=W%P&O00@1@P2E3#YYW#("B?2%=;I76R*8]0'?I.F$R
MT:X992(JL'7=Z>V(]\CG;E$7"8<?5E6-P9[E@Q6FT("`ZU3:=<#?V*A+/KXB
MLX`=J3$U#R;IR2H@A.[16)_]`SD7IL)AS"5>U^[^F2HBI4%5#FXC63DF>Y`$
M/,Y#ZWV.)!$;%`/IFK_D=,_=3!(MQ!YA`F(5*>.4=?'NY*1TC6VVO6@.(31E
MB,4%;3=BN"FP813H3"]J-2U0:5E!S<ELA5$.]QA$IONHG.+8>`-EH6_%005"
MZE>)[>?V'+D4O(U42=S&P`.\`S<B).FM85OGOO;KD4''::W'R<2652@R#E%C
MUE/S`-J&*R!#&D;+(4OEA0MKU1IGD*@O!B;5,>=>0`MU/)IAW%1%O(+:Q<6,
M=G%Z>&##]70/P1ZEC3>7GRD_;9,>;[H$E%T.@WB5J'&:1O%^))!$`T^A:A*P
M<D:5<>[UH`)I.6F!13[R(/20>T1#`CI\];*]=:Y'WB%ZMN;L:N'\$25R&-50
M%M@C)8U&%R</CCX_T/_7C:M-T4U,3`R&FZ(D$9\4@^4@!OB@@3ZU4M2C1+,6
M?1M0#]9>QE>T?B0_A.\.)3(MZ,V&;0/)7//>PKZ;KW)M#H(6R($;^6!10U)A
M#[?"39D7+\<6(5D/E4@!$[6/)5?`*(Y48I@1N12VYC;,C7;%PH4O"+=<N"+(
MW\(KA_H8]4_GGK7H8EA!,.A4^K?.`;^0`:%68^`;^U?C?PZ`"B$&8;U.'6X`
MBA6!,6=XN=NIMCMH$P9!1JBXYC(---HB64F)*QV\2+`;_I!=@J]\SA:JR036
M)!4M7X<^\02/@2#7'ZD/C<4Q3)2SBPKUIB5%0OK*V)8NL^:KYY?YVZA6D6EG
M=-/TT*A'N8X)[%KFDJN2O#$5Z[F2!_3/&->E2>IYL_)X,F]C8FR7)W1IPKD>
M[<_2\)I`%4QD`4@)5T$OS1/D@5+`6R1HJ`"I"@=0,Q4W)*89@:`D1F!H)49@
M4=JP1@A%*?Y@/0Z)5,W7[[/90;PL7IR9*F_S%9!E)I>Y2*32ZAVQ1C^JB.8M
MEQ;9'U$2\(:H/53#O)/$%(8='H,$XGW)>N4X/F]L,]&Z^$O4I(A(A7MJ/FF)
M8%T+I0AY(#V'I3+M&1$U;@Z^?$X*7?3B2GOA?K*.VJQ<&'YZA>BZ(]-]<,'`
MTEY0&19I+*/2V@Y5X*U--&`?7;SH*M,IH/'9>[X?Q\>.D$?`_="Y)E[6O(3D
MPB096<-27?VBI6.!9X)-30`<2(=TWTGOC1I\X4T-Q=0IOO!G?14!#<_KQI7"
MZ4F'+Z?E/`)O*05BW`6_P=#B"W;L`FYMI_XB)>P?GEWPL=$Z<L\:E0;I)!=#
M.].A``UD"9ED!2;X0[8MAJ=26.Y2RGD&W05$(Q>3\=R3,/5'X7]:Q?@;]BYG
MY9?$>N@0M/@H:>9VX7E6%;<'YZIW,`8L)Q#3I,:5)Y-IIT(CL-F()AMPCEK[
M7C&N7?5&>JF!`E%Q"0/->]<-%"ZH/_(A.]3\LUJ=Q'020[S%%TRUP7BG]FH:
M;&T5Y(JY380FE(([G^,CL<&*[YJ%$LCAPD&[[(C?XP\#%C@./4\LR0X4F!.<
M7#Z(YL2FIJL))4?8E/IJ&5O37'/K^;!(;IB;,0`?SO;,)$)IB@1K*6T([4&[
M]XD=E0[O7D@WZ$*_SB7R/U]TB4*^,L!/9-3,EBCQOXX-']]Q;3"?4"F*7H/Z
M)G^2LF"+4IN:%9R_[Y[V<$.`+#L>A\35=?>$MJ"XM*9WVNH3\M+@'!I-"$<0
MKON5>`$<MPY1UH0[D1%IM#JM1[G0HE"ZS<6[0!YBARKOR<ORL@@'CE\6'*Q4
MNF.%.JL6=M=04[>CC$8@2H-"A;N)]`.B<JUFM%+Y$$W_<0!TZ,@ZV>;2;SFJ
M-@_)_G*(F-,D'D^;,7JZ9.<:*^3PDN&`".50X51FPZ>>"!UC593G0)<G/"3Q
ME1*8K41C<\J(`5RNZ8\_HA&#E&0)K:N%=%&V$A;%_=G_P#W%+:6#WY^=W+Q]
MZ,Z?_W)Q-4:TD_-?3J\NSF7*\W9>=%-&_G7L9'\9XS%K/_XKI`T8(%<18V*M
MR.\T_,ZT>'C$CA%@?C(3G/9NA'<!#FP2I'0>0ZS6_C[XGD0Z^`(ZN4T`K2.%
M,OR*7OQXH$C-!GSBSZ#2X@;M(@0@^J.,$OE+@./XV\4YOE>Q<."@6`%\@MQ%
M@=_<[AUJL_\VJ%6#;QA;M3/'B'8_,;S!0LQ)Z(ERFU69#Q+\9BFOQ_^$A77.
MB*,JX_R*"4$'RDG:XB"`.[H31/$,U)3X@2!5MZ61O%9]/P&!4#+R.P-5T_ZK
M@C/\]?T9"'B-MR-)-N.DKB6Q"#<[P[^MSQLB1>3=X?1<)GJ982GT6/H+X8^`
MH(<2LS>;2NXU\`2?-`/4Q[@O?!Y%Q45S86>,U$8V;V\.C.'D/9,Y0(\DQ)77
M($6A"T95/<+%>]&J('3JR(:XPZ]TK.I+'1]@\_4;$K0):42`X\^;^S_.]MYL
MK&^^VER?E>2`N_QJ>^<./]R/+/O!2\>+*QR_JWEA-1F_?V3+W="7;O!@FV.]
M9)0\C7@WWQ"I20'H\4(1&1A>5/=,?\?YBL,]D\M*EEBPP]5-^SE25JR#9&MD
M.P3$*.HG-'EQ+.T@YJ[U[>'_PM"5V88GK-W6!7P.F4E?*-M)CLE.WR@/UI(Y
M!%;YF;39+F2R.3*:ZD&ZY9<_6BR7#V&P]:;7^&H:YRZ&#2)LAMA"FR70+OL-
MI<11$2G"*A9"HEU_1FY\;&,<(OGD9,Z%PXEC97/.^ONE_&JJHPT6%W[SZU/Z
M^$'',4XXW#+)H<85GD-Y=?9Z^[MWJD/^Z@W:PE?CW]=`DB,2\J>R03WZX-G]
MF<-C2)?7"%L8(A\T0QG%Q%[F4>BC;37!%G8F4R!/&O,0PMA<W6P&5[-*N`2"
M934^@YHE'7R0JV/.5`P>LMKGE#MW"+F.MXS.D`$@S[L58*Y1*0Y)B[:K*WJ5
MH@@@$VY"55(@1=^U<WD^G1S^+#4H-S\%;;%)4-GD408XB_,TJ8-3I"M72E>4
MN>FVDIT0^`,62!^A`Y,0YW``ZNR6!SY<0_:Z\SY=5GLG"8`:C,F5*^/A0<Y!
MU&[5E!>\M6C^Z\D%MMJQ&L=JE;-3`BS'`Q%Z3!,M:1W.>>1(UE>`FE(.%,P(
MI=V+7<LJD<U9O/.(6#7QY>AA,;&9\GX!TMBJKMS21+%3<06;U"G=U70B!=H`
M9IX?>:EY5\#5FGDCA="71"E)B/L<\`ON)`E%T:AT;L=X)=X"@E+$]'`5>%JS
M,9SCKC$!M/_S`8AY,&-]+Y]I<G5R=DD6J;I]!9QUY0F_V0V?(N074IH3:_:<
M9>\F[=F?%Q<A>F/*[<R^:N[O0B=D;'.*^2CJ!]CDK=6IUE.@Q,-1B2M$#S1.
MX@,FS@1J2T//<4AUBV1/@1M<^L!MD)&7S)233W$(2!)DD9TER`%'Z5,Y1T8H
MT_PY#`VV[N:D*Q4F!#5'OQ0!O0E?/7X:X2MI5J(R2HU&<V93=%YE_'=UE^LN
M$@_P)0MT8GR90RAC,[G06R0B&UB<,%M;XC]YH"GF3!J#SC8`RS&83$!"]QV7
MAG>-:X<KD$O`B\!"],X<&$Q0=A@L6%>Z2'3/!IHM_+#USA&RK*[#P(DN)0X4
M%<OR7-FJ,#+=2,&[!B,S(03I!4,A";=('Q;&:KDZ55]^4YD60C.&QG!].<$L
M.3OM_@G<BMT`R7`,)2UZI-L&%TP^-^ZANFK"_1/4$5)4UJ1Y,B:X/;$-EK>^
MJ"W1_JZQM/%$!2RGORLNOIK1U&Z%N:^^[J0JYWR'R$P&K(F!.ZM!%H*GS7-K
M,>@[7HQA2/$T5]W<88$O'R8]*4%I^38S']<-)$X!2:<=C-X<1'D)C6-^IOM*
MOK_&-VVC5][M9HMI-T(?]PDH3M%T*T;9Y$^$JZ5J\*>/OM%.GC[])B-4<UCA
M5L6HCF=N@DTI[U]K^.F4KB)!.(T]QHYI6`UYX.$9X]S2(8JI5*2<^9:3K7.O
MDM!\PH2;8$L#X?2U&UHIK@[#%`<<K#36.X!H*ZEM)'[Q#8GQA13NWY$%T5WW
MF[(`@H";"*.1(N,2^'N)JP%\-H"W)-5W,3&5IEAPVTC5ASSZ"HZYE*O9GQ;X
MDBA1V#]$&+ZZN'J+)$\),'`+M>M87(I`\&ZG3)'L^E"ZJ'JTAG_AOOOUT\OS
M],&GDY.?@P1S<I.X@MP@"W-6D-^)KT*HW`F\%E?M\^S(DLY4)1F(CJYX)Q(@
M:0I&RTJVN-T4NF)X:D'0G)$5,D14ZF6HS*`+DAYLE%L6':''+:IU$GI:[18;
MHZ.K-TQ,'1LP-K4Q3U5Q3IIY]_7!B]SE?OS5RYV#%_NO#KI$PTT,G^M9U<JU
MRQ2/2I"S@FXE4=^UWJV<JB*>@B*'^"HY34.5P;^.FIAK5,('QTI#R"KA3+FJ
M3&PI&1Z`'K=AP`I_C/:7_6$0J)Y5;A7BZ`JDS`BC^X)--<$0?B:$C.`'/\I>
MIE"7?V,LM03C!8-\;MX`)[VX4D0J<HZ)]7W"]H49X>WUZ`1K5P!'W%_#P=75
M+HU7+AM*X4DMW<1!ZE%"#EV=R),MEMH>/R_F=PJ_@1``+>:WV90JKUHEVK%V
MO((!V]]_XT53,W7]P[<<,$0_>?<NCCPB\,+_0]MN\LRY?`$%-@.\G7H^@:>%
M%[2(*KPIQRC\X?I+I27,JZ6WPVMFUXX);7MG^\'XL\;OD+,9$\\+7I7V[1"%
M-V1!5)+VIUD8@M4S=AV%%N[DZ([O,Y?*@`L-GB5A3%U9SK11P:"<O`E=<_H,
MZ)3I\PY7\=MYK=!XR$^;NS/'YW"^U$SGTV)@_6!W%UXX!OA:#%U]^MWLY?PO
M3!>>TPB07I[CQY[%8\^_\!A&[*W+A)=RV4OBV\F*WO'",W6GH+OHUM:,(8Z[
M!Q/H-4?;6A8MGJU\A8?SJWMB0(YZA?T.[W-\Z`C=S"*QJ.!#H1@7S0KZ??'I
M5]^-S1A79.CV*GO*(M9FB6BXJ:+T+2;#:.0N&[X<#4E[NW:&)P@?]@*M7B%.
M1K2^%9%24X?IALE+9A4*A7P"U:BYEB,D44JA8U9UC!VNJS5+9IZJ&)`L(30D
MWR^QG65?HRK5ZHC0VDQ:)7MLQ&:FL7)+*@M,2E8X=IW>BYN$3:/O)+CQ-HF&
MX-,^M)X,@N8[L^TDE>N%<RTG@KUS5N0TD(40"04QB*O_Q?T9O7.Q\]VIV^<C
M8D6'26\,)VBQG)&T"E4G3TS"E#`HRV44N!I5,(7':T?F3BP>PE='XR4P'G%9
M-5@H[XB4B\`*/D0[3>&Y3A5J^*>R.G\.KMF\7.75(3U<]0,"JN(7!@D":91Z
M:S$SE_487Y?U4EV![E?N45]4<8&4HP:2X.LSA\5^4"!F]/,L0.Q,['4@H=GU
M1VG_I;-S6?Y:RD-SDN84`0T1X]LT$1Q`UDPKN#9X)72@T%T[8%*IH=BL!G!5
MD%-3)[F4[.1IM^`&R\WO^EUD2/TC1S7.%<9"#[$/RKO3[(<6`CD\`L%RCU+Q
M1F39H<<^5[.>?&;)KR_DJ[/5(N^,T4GOPY,"U>`8Q(GG;`2H7^GC4BPSU^32
M%<W21XEUGIXKH\C9Y^:AB3*&3"PX:-[*$=XDL$S(RAWROZ37VIK@M<F9HMM+
MVC;!7;PCRIV.RF*2CYK9$(DZ64S(]-?%<90LQ0NK0#"-*81I1BCHDM0G$B2M
M<?6>3E6?9<E<G29C,"N(/(!K76F"969S-</HS'E/?.LCY5^S8T5_S[/M(/5?
M)B8,M%E8:&,8-<(^,,"Y80W*C2[9YUS*(;+M&1$`-)S&;S?BT((7J>[>!:+#
MFPD62)H"\+)PR1_PMXHG@D<9BB&[%)$WU^3:O<(O%&%^Q`:NPL(;Q@D6&<Q5
M:NJ9DN#@AP[M90)<%,>QHVA1YY?)BH+TG(.D-_'*@B%X,Y,\*CL)S+G?#`@9
MAMTY><X4"Z8K$RR2F&*I-5"BWI_]W,E/$+8]=**QE:!B2F+3=:J0QYJJU0@*
M_T:26XP2VLM%D"GS8H+-(X3S^OQ#<1H)GT/WQ(2=APXLSBUS*L=HXJ6\0P9B
M(DES]YS:P17FN$6$5Q(YHKT,B35`4"*/(5,\@MNWU,A#KX]Z,LA>TS$SS?@'
M([(HA`:'%X.:`(`FI!?Y._IYEN2%JJ0>5-TA,79(=44(+G![K7<U=G\O>S8J
M`"I6BK,5.C53"%4*A_Z'4Z4A,?G@(\"0K(MQYQ%P2;?90KQCQRE0"1%QNNQ3
MT_:;/`9?XU?KQ;GRE4'XU7I)4B?0F;QQPCD!&V6'IO!%>YB`9[>31F\(]V=<
M\A`/)CUA:;JMQSDI"!91"241G=\`=.^%TUF0H#-"K,YH"1GRLS>;-3.?++OQ
MG;)DAJQ'=2S$S,.9TR8;XI4\)V2L1A9H#0#@,B7]%XS3&3B-"W5P<B<-$TYM
M]ZFB%&DJL@#/-DE>9-\AUVUA%T++FQ@;1S)DJYD[PQNUL;]'DL7ZUL%+#)/9
M_BXNI2WR+EYNO-BGOG5O?_=@7?WQMG_8B^JB?_Z*M_2G>.;^%/_(IL?;_?O?
MXG]<*37^<GOH;I#Q@M@5L"&<Z@5=.;T7DB?3%0^(R8U\.*ZS63F=>%CL+!4R
M<7_9)B]Q55`#5QNW;5RP>Q&R-L84?UJRZ1$?O(%7=)9VCDZ#T%HGSV!2^%B<
MM\Y@,BJOG/YR+[7J;'+,\F3N]J/#MYZ5(D=J3*>!E/.`'17_/"`-$UU!>D_S
M3:@X"M78(/2F!-Q['7F+K2YU$8VHB6RLXCMK`)#N+<*(DK6H"ET*RG2W3FA#
M(T;I)MJW[!1V#!P7W9H[D)T*"0[/<NJ?1YMWST7&4;T%P!&D?T[^`6Q'VDY^
MTR2BQ@)CI2C0=7#L,8;?]D/9GL(C*4O2-;VE90V\0M"&+M<=>/S6;_[^M_%'
MNN8DP]QF`6]F@&`I-621P0Z=#'4I*6H[-*2;VT,;:KKR3#4=?JW+8C7+3_$9
MA.)"#A#2.RQTWZ,&.X;^7JD7X''$KEY$2DL:O"E020&E0"44$GV-T@;I%OV3
M?\>\)N!SS5M!#%;FKF6`E((Y5)@Z"T[%)&K#$'7#&+6>S2W!H;0`:5))P.2T
M`Z@0<SAR1H4\T:L(IG(DGA6VN3(Y=K%PKXY=3F0KPL3I(2?-VGY?SE?0@=A;
M'9D@<4CC9==J8>8M82A8.XEK(>I5;RA)A*BB;+2DDSM-PNZ1M)=\FJ3.=7>V
M;XE8SQ/`)U@-_H55U/(,V6-LDPJ+!5P30&`I=B3X?_[7_QZCI'::=U)^6VP!
M(<CT13DG>FJQWX@3[?O_N5AA,OVD-(<A6HPW_0K;W-7_0JJ<;-C@JN[V#@#A
MIT[BBFP"B4^A9IZ:<7/1749[<KM&2JX72$>0Q7-XA/QN1B8^L7)]K\O0'ZRB
M-!NU!PB/W%')!QG]:OE\Q6XUZ@1JX1"E51]F[RAP-+++1M;`CN'^9@%>#15,
M<P47S&K^]YDM^#V\J[RN3(^\^7YP"FZOEF?'J#UX4BGNB"R.8.G7F("PG)1R
MY,9S2I=2&7),HH,/Z6^>^"4WZC=;DTP:\`8B:7=#L_"LMKRNE*@FQO0;\>J.
M=PM4\OJX4K+<B--BK2S"@O7APK^("X@F1ZG8(X`@OF_-RB[>#",95/_Z'XH%
MN3"#H]^"!.6X',*<\DS_6,`V"6GJDCU06>+&"5/EK\QJL4+4)"*L-LKW+)7@
M\7(KH,U^-FM'V)V>$/)[!6@8AX/B![*8WP/P[.2`1W]A!PAIC*4:RDZL!5FM
M@O[EFQ;BUT0.WHMWZP:?8(C%[%5=L@):=1/WQ!7["+A\QN:?0R^MZNRG^$A.
M'U"'7?'?UL7G6AI]D\""AOR0WBYY1>GT$LI\'.6..4D_>C6C81#0'2R8P1M%
M.I'&5K60L`_S/=6]P@:SP8#;IPPT$I#2#K7]=N/65>2^!_'U6"IKJ0%]=EY#
M+U$'%SJA+RQ@,@F209F^ELZ%=6@MM64"PCZ;2+ETV)FF\#GE$30[!_O@24CG
MI$Q,G5IJ+4JCH'S[,=\I*\D!?5;+(`L%,&^SHEW:1_FBI8N.Z>T;UI`;>RW^
MCEK?/-BU))SV&CIF293*"E#YN?T(M>J0'Z#!OAV4Y5XC2MNF#;A_2HCMX6R;
M'`)`I]1$BWZ]-$>6>0O7#QBF-BEXYPU"%E%!INUD%U?TMU%RC.\JE&*7Y%TK
M*]DOH8HJCB+**:K70/7AR!$@K`77APNZPO([XB=@C-KJ!+$*)8KZQMZ^I*A\
M9M_H_AX%ZD%3%-0NN9P6:.78'`V'L7SCJ6D#AU*^KT"6??D=%LQA6[[=P9)`
M&"6I/0!`J-R+DT1#8$$<10J]^F;V=4Z_U9W7!;QXBK,*/$2+Y3G5)IO,?A%O
M\<JU@;3$G_:46((5^QH#RV*@39+CQSG%S?)A]/+<"08K/%)-;WLS]RC#RV.$
M=/X!6'2)JM1#1-AHRI@9H"JU9++#\FG"E1C.V>)64]`'^G*NG"2U8$0PW93`
MRFB*+`'$/1MK[8F'()F4:.+ZM`P.XC%N]B4=J3X>8>7GB69^4'VI'2<$;B*;
ML\_=S8O^1WX-40'*$RHDW[$%WV[_@I5C'(&'Q/M,2WGD0_>"+9^*9UKO063>
MC16P_Z23^/GQ-^NA><]>1#I3]W4U1'^0<7J2E,Z:PH=-GV.11L6F>5;C)ABO
MN_$K/M@\;'H@E,=/EE-F_\CT"7\OM!GA<#=H_]X7K-[U!9OP1/@II&MGFGSX
M8A("ZG44DAR=X'LH6"SD6&*30V*!8Y=7)P^,K_"3&W+U)0H@@)1N!OHE+J2>
MRQU^[<BEEVH;H,Q,<4%`EE22D\TW08NAP$6>&UH$/45*_(J?DBJ!WNAH9A85
MU<AFETX.$;:*1`IW3Y$K-B&/.F%-VUZP1D&LJBCBC$6?SVS)U;D@3S!^JS=J
M)84PZ/J<EP9C=B2X>`<`H@"6$*O\(*I(CU0K[S-2^[/JX)A+F3:M0PP$?=9R
MHGK;[J/2&$*KN;:LR0(@P>SF@S+F5(",9C;4",3;`#1Z.#Q5[S(%.BK3\@3Q
MRZ":A[,?:8!$V@V:6SQL*&E738M6#._VY_'3N,HV@A+N-(4.LW8_N#,9<Y'B
MDCM?3!VPP`UTCDNR)]EFE9:3B$YF1!RO0]-]GAKS6?!>KL(@@I(6IZX$=1!Y
M$%:XTT1HA3J*>!"%L3B+.0RJ#(UT'T*TY*8`I\E!2!>`PR6J$_1W]EL.)_=T
M^]]%57*2:;,],"$MWQ5=SL'XD%XBWIH]CNROLE.(T28EL5VE!X8W$IJI?9HR
M<$`(#!*/QH0RRCO"TUJ/FD`2Y?C1#]PSVB86CYPMC$O0MA7&:O;>IFHQ<F#,
M\W6EV5<,?\&'H6(=H8^LP%RG@+H2=YB"G3Q1ZB1X9QJ7<(0!Z$["QTXJ`C#\
MGDM+9HX0G8L"8#8I'$G@.YH:1#L!$AK$\([@64QV!!TFW/W2$#,<I:\):0`Q
MC[)C$C::+&5>LG!NA1N*H+M''P!59IZ=6;DB->/MX=65RP_U[21PQOCNL!5G
MN/D0+FFCK2T@*1''"KC*S;O"9O15GIH)<4$0//%6*GJ0PL6"L:NUJTHY%_6#
M+5/(8@EA(JF4$_VFJ5@#!:)ZZ2P1M`BH-%MNLWQ3D(F/@O;"C./6(K,F+>,<
M`W;D.7="]AQ9K0?GM(!2?U<;N<B&=.+(3()RRBEA?;516YBW*^17:!EEIU7W
M$`?M5KN)F9"Y'V)=J+O#354I-Z!7K>H$Z(9`&U/)>)%\B/%S*ZO/NI',VU\X
MS'B--[L;KS?W-O:<V[KQIX/--RI>N-M3MX1[OW6X]VZ+8W,ZL9)@CNCJ$L&'
M@QL=!E12CX1+>Z&",OKFR5L\UFTW+3'^_-6"*".>)E"G77O\V);"'1\TI;A1
M:CI^'0$XN(*(N5_BFIPNK-*%<K%D]9![Q#W27,I9-.+;C>]M_'/=8AU!//YV
M'Z3-7#3CQG!]6<QD'`J<6#[?%LM'%.6Z,YW?-I$^:3-(E.YWK6<>&T;\@WG/
M8/1R<^CEQIN=O<W]KA@F?WX+ECPWEN0'IXZYG!^:='-Y!><4)2>@8``";:F<
M/;J\I$SC_+B+6VPC+0K9'P$#Y/QX/X4LEWR_Y\DU'9Z\IHVAS'>-?!DON:[&
MPLZ3#I=JVK98!KHPN6_A8#)=E":SW)B2"L9KA0Q3)LOXF[+Q@A9:/@`4BB=1
M5&6=&(@%Y!V0RCH)`"PB8(Y?]SL/-5YFZHQ!<^6BTGG&OQ1]E%/DX2;*_[`@
M'2-.A$D$MPH4D<?;)7=CFLJ5?C6_@X][@S\,8'G8DL:91#>L("+>'8S5_J/[
MT!,Q9_N;KS?(YIFFMO6-W7UU>:&1RMYLYU5^3O\LB,-T2":L=F46T/AW)G8[
M;Z:`F>QX56PC1Y<!9E2\>3<0(8K%CG4WTEY[@GWMH9XD-&UN=W#9=X9R4MTA
M"SG@Q_O?P2CBRN7.RWDNLL7B1Y,/Z^O\Z`T]'O"=WO+TK4_L_<A$VP?[&[NO
M9R]V=G=W_JSLJ_%+)Q^ZA6M^9ZXY^:MN:?4/?B!3*YG<L#5"%*%7V^14-M*[
MV;N38S+_SVCFKMH#@CQHUE:/H8,41IQ:R7?7U&K><HVO-EYZGL"K`Z;USMX<
M[*[_.-_;>#G>\'0NC^;\]ED\2SQ;KP]_53=&2$YQO)-CMP*01T%Q)EG=E!-T
M/"MWR<D")5E^DH;C+>9''42U#T(R5.)GZNG",_TXU.-\>G:0?37=\I1";:QO
MO'ZQL9L]D]VPFN`'=\*`R?<_N.W]T(M*U4*YAN`7M5]:M8?C&)C$P<@(JCG.
M%;^5"R:M4EAU1%?K#\H7628=JTT[4BC5P!6;-BV4+F;2I$31"8>2C76\F=?H
M_ZA9JLR@68FKZ",QF<7.&4*#"1*#8WP9\.;LJ`QW<RYQR)_:G:QFQ(0.908Z
M6447+C!"/46C*FI3\!O7T2:SL3[:#ZN?O_Q)@[#V9J]V=U[/,J7\N`.[]Y2P
M%_/M/UH__^%@OCO?WM\@J_,/!]N;\/.]`_@*^9[NG_5RX]7&[NY<DZTW>4HY
MG\K^1)\_X-\=HOV'O/46/K;ZR(SL]Y]^?*+(!]5__P&PO*!ISL4G\<F0B<>_
MR&^%?%*+8EWZJQ^W7F2MZ<LZ4Q9?X[W^>6/SAQ_WN<@YL\I(4HSIXN.G7LP]
M(FW\L62:\7C\1;))TIZGO_7^"[UT\E+*4]6CE0)Z>GRJOL$OE#:'B89;,^(F
M8'Z!1TB4E#D@[QP/-K\M7K^+RTLD$G/E25`0#1XII#5S(%E_J^'OR54(K,,,
M^:8@1>^KFVO\:BR2<D6;,`4D^T"K:OS1@W=4>=@A4*O@FS"&[UJ*C;93QG&\
MK2&0YME@$IF?TWW$#9$HD3];`)VTZRQD[8C_?)EBG#B;$@.J%X#G%2X5=27!
M1_U;(KDZ;7Z-_IW7UBV\._T59AE>>'U7>%6ZE?1LN/Q\Y909XM]N>BKSUL*%
M.74^/1Q=CG@-;I2=<:.!G0&>(33R+*ODJM-41E:LL4Y[EYU^&3TZ,>59D>OP
M44K%9GNP4`9)[3C6C%"TB28O(?W01^&,;TYO;JZ/%E?O&6R)DRT5P+!8*PRN
M.?Y-KY9'%D#"(WNK3@EU@>4W[N53TJ"^7EM]7DQGWCEQ>]S=9<Z'3)S>.[1]
M_7RU_?7")8`XFD;:EHK;4J,F_,4RM8F4`W\4A/.?>WGWPX(*7KQ,K/,'Z`C5
M@XBN0R!V,[P\>7=R%5,SB^A_>7+$>K@]>NUZYWPV)P9Q-GO\_/YL];OO^*\N
M),,&`N`V9!P>SKY>>]+$4"\7C$Y["__C=1*[@.?YPR<TJ-F_6J!3OB$;C7WP
MPSTR=%1'HOJHX!)5"5C@P4Q2GXY-V,'"N8R3*4HJX\!>4-YPR%V>A<NXE&J2
M_GY-&[4YL<K3/0+#LU<8S0PC8:7U:+*;MK09=+M\?Q'?,B'A.3D7>$]F:S2?
M>?Q(T-&5BIJ5K6!/(/>-=S+[A2^BOR^[;`$8\?!FI4=K#P$.]8TG*-KIX5/:
M#*N;'(L'2P-LJ$%W.!+/+\&"?./P"A9?MM[]V>;YVX>S@_/DC.)!0@)Q<?JA
M0S;ARN86N@*K6V`9ZB/K09U?/WZ<(O$^<F\F9]"FE##%^I+9D>\^S.=U=#J:
M-BJS[3@'MF=['TZP[>O]1`UV/1`W27\QHGM2_!ZXE!2)(E_C+[8,X;.RC]J[
MF,842Q9CLO$@U5JQ_/9\[^7\3S!CC"C?_O7GCT<7]&[?V_WI3:R5"6HAJPIX
M-)3$BY&;@1!6,M0K]_07SHA$H4.>O9\\!"UBOG`2L7&@"G&=T/ORECL`BHS^
M?&K,Y1]/8BO9Q(&]LNKT95B1=1(%\R<+%^N\W2\W]]8982OM<C9_L7.P/WM%
M^]G93_.M@PV:X,SUC=S)G>YYYQ_>ICZNAO?P]^YA'SY7O43J,$U(2$RRK;RC
M\AES2.8PQO$5P?1/%U<(T0E:B(Q27R9\3!PQC0R)9/G2;Y-+B:DI>B:AM_"?
MJ<O.JY>3!<Y20TMQ:V%1'%U=,,@R#>&$4MT`4LH5JUKGRMO%3KG=K;+E`OO-
M_RQM^4\+RCM5+4?F,R_7#XL,9&$94_*!V(-I)UHJ0(83YA/(^=(>H/"VB)JR
MNHBV0Z"TB]C&&]XOH)R>7V)S>A_)-Z=6E>*J_S;8:+>U+&!T@A0D+*WDV*#B
M9;C+56B7[P8E*\A`JP^WZJI0W*^*%G"K/(!FL>2^$M]"8M&--B`4HFZXX2%D
MU?(4KB2;U]4<*6'1]8O@0RSET)U^)WQX8$4*K4^9?HE!UAP+Y9=<4?5,=#R$
M^"6*`@43ZB_``9+/!T@>8<@.`4%=R=A6R#<35S-/]7,C//7N'%*D^]B--%8U
M?S(B]11P&Z`!;9SW6`O<1)CRYM/%@T]8W!GQLI0H0X<"#K5J%K__D6)O_%\9
MZU#I2-@A$:NK3BB&JA'J:,Y'B^@,T*H_`RU<)D><DIDR\M6CFM5WE@1!)0"G
M%^-ZZ.!9U:!QODTA-;F1KNE3;\POR#C@!4U_B;B@Q^DHD9T=2%KEU%"9"V,+
M]`25(LTW<2*+&#Z7A0M^R'&&46,=5#Q!5WD==1'!BY8MD'-86O*"[-5)@E-\
MY"H3H:!D<,ZK3,\I`?_Z$B/K&.2M)1EQ@(.'>[R8+V'/GV>?3T^(S*%4_D(]
MUYD3FZ$B;?),/$W([Q8B)[\Z-QR1J3W0V2YJ'[1)]8]5[HV:O%J\$MY"'^/-
M"%7W>.`N4`1SJ$XH<X16#H))5X`W00@L5#K>H&T4BA0S?M_K[?NLT0`N6,KL
M^M/A97`5&76U^8;:L_(J];M&J9`VH(-&"J5V14X+??N"``SBS#0+XZW/BO/&
MCFNB:,*>#DV]2WOB!=#(`P%.-><F<<""GNQ%T+E%,TL*,CC7'/]+R@<%1VG8
MM).1+-X&\"N"#LPO"O\2]BS^V22YQ6+L1T;NU0F>B`)W'44)'C`1(Y,8IR$;
M*"RG1L,%$O-HCI58DW"J`VW#0[>2J/P\>VVD1@0`Q\/9KFPEFU,OI*&.>7*S
M0A:V<,>\PI!1>#VD75HO-%X!HG'7'[G\99C%U,58EFATLWGOIUZ;'>Q-],3Z
MT\&.'%UT[Y>/<W-[-E_?W_P)!7&^^T?5K-.I;;;Y$C61Z!6=M5S(/C[ZRM;&
M3QM;Y-R,O]C;_&';<:_M_5FXQ7=>[&WL_I2\H&\.>N4SK?7XUK4.MN^ZSEJW
M3MQ3!TFSL3EI];2[JCQZ?*#?`._'T_!^5?D[Z%LY3/>F_KF"5N-GMYRLFAD\
M^!I):/Q#.!4N(,DO:QD0KZ-'X*#P#V*`B(8<%4YM/47,5IQX/(PT&+$67#J-
M%#.\!"G<$GZ0"0HALUOE=+I'4;#MQ'2U71Q5A`1-J+/--(PQG4,G*OQM1%5A
MW=O2B\E3C8<J-6*O4H63*;JA#NPS[%8YEXH7N?[N(<QS.)(T=-^LQ61]+UCV
M6O"C1E8TNFP2<18(H>^Q?46V8\4Z16>97ZS<:NO40QZGM+5PY`'%KQNK,!P7
M",[%6\X)VR[9^E4$U<S$&V7@2;9\_7QUS3-SD2XJZ.(C*?3.QFHXJE[V^.%:
M=J1-;IR$_3MO_,G#ZM*SQ^6W;WSUX;.\'?#D2YM?>TAR*4@\I102C-\1_B_A
MX86*U$C.DP-146PKR"4C95O)A=D!93$/N""TW,7AX>PG%UWP[L"`R%Q-SNB4
M'1F7UFBT4FXD"+,TE?0$`Y1?+G1*(M(YD`4SPMTC';C>W<1>50.''R/4D13Y
M2XJGAFQ;XTK:5>VS-(5&HM'66Z1=*8]ON*;@NTP.#R6O\G^JM+Q-^BZY*\M;
MY5'657Z_S!TRI#$OCD2?)B`1S3W&C_T)[]T-0\:L.6XV_'=^I"3,S$XL+80F
M)UD9L0DY7JUY;".95^-'"JZ-O]@_>?OAG/D7)YU&<W!>N=?X5YMR`XP_W%4P
M=^7/[V^.%6+N)6\F%"ENE<4.5U$U\?=DS,:GJNA.1=W_3@7=N67&L)1W7K9Z
M6+L.36TTZRG_KS;ZZ!MQFK5OOUE9>_1-!_&M9JY))K[A*6Z^7_4*JT^_65GM
M5N!4-]]76$Q<6W-N'+8W\S,T<%E"__4KHCXX-RB&N[SYZM^O'A],N4^J<,&6
MIAQ[+4[VY#FP>=[#)KY]_&CJW!DJ:T"%)SJX-K]]VG_;4"/BH]949S\&K#IG
M,+76?)4CR:45/NNQ)I/]:'7=;+>KN1QE:\DX*KI(TC7@R><X;R)Z^`X;YZSW
M^)6K5@V)FYL$^G=22-KD1!.QR.+&?"S-6:H=;B.WJDWMR)V,FITT0!Z=+=1#
MKWU70Y%2:$:R\3>^X59?-^EYK\C>8*P9IL_FMIIT_7:'^;)%;G.>/_ZR\WS9
MLF/R?L5-2?ZF&`>1F'"!?I22,O1/DGSMQ!R>@?U=D*B%;P*U^#N8#*1/PF[1
M.D:N1@G\QOP8+IO<G@]GKY7DQ4+-=O#93#Y,Y]U<,>51I#()?BD-,))'*?N,
M2M?D-)'@T':)=-:CQ6<<65*99*GH$^ED?$0/[T/&NH16ZVD[UFCDG,KY2?:F
M$2A%86/@3>-8R!@6JM!E^%^2RPZG.VV%DJ9D#=8Q)="T.;240/^=^C4$3&`5
M-<S148)Y"GP5,=V4B30<9?2*<#ZU[`7/UY7:$USA4M%":9/V_K')Y)VM4+:=
MLI)<4?<,1&XA'=Y>+H;37U#%J<:PZ;E4LY'C:;@PHHDK9[M>H.W`<WQXY[2K
M.H9A;D:)220PQI#?8"=@6<L;MA/2?CXUB)$/F".%T:I/PT#2OTHFM9-<Z"3#
ML7WMV)R<Q1D<":+Y7DD!*+9W:>E8"<(WAQX9U6-%QXZ["1?L))`4.A(RA-=T
M^F7%ICC8F_TPG[_)MH>5/LB2`RU[L[3_Y>%"A(:\ZZ;]Z4S>^<3/Q[QD/9N:
M/PD1Q]]6L3?^)F%'5NIJ%7-!KR6_R(*]_J+RXW!%=7Z<=2'$%&:,7[%9RQ*K
MO^?O?WOP][_-7W4AT>4/_[C_>KPR3<#$`X3:C@>/O]^2NZ8T?*O6M]B",)?_
MT!939R#'X?#*8^1LF(T7JL#8VIR_V-S:W-_<V.L@\C(7$Y@$-,X"LP.)GI*2
MP,OQNL-??/'Q.69NQ`)KWM1X28IMKI3ID/-'U/1#[*![KD?#;B)WY85W\Y_9
MR;;4>;:/<*P$+UY\"W-I9BWZ:J')\<'0QF1#0Z<G,"4W%74&79_HK1ON?I[@
M8L_=("DK.^N&'*<3%/UQFD2\BNAR;`R6KXP_A463='7<V4P[MUNJBP2W:X"7
MS&^SJZ(0_-,#3GO_WX6;'*[.-GV%GR_9@L.NN>H!;()L*8PD]0&A4.)LSCS,
M>D14_4NNR9.:5:SZG@Y)S(%J&6>):_JR1:3._"(C$.T/N9)00>\D@A4Q)65;
M6Q1K9^9:8!0C)G^&R+4OB(!!<!;=YCNPM4!$C_R!8^@W)8NL5)3&5J)7I#"(
MI3Q!]A43W$YQ@ARJ11)!MT_*6N/`:AZI!N9.8%.6H[93?)SB-M%DL^PR$I!J
M$05Z4[.U[$-#JVMT*P,[]Z.B(#G`E\)>TUMWW+WL0UO$/(ZV7TK`%5`7J!]'
M:@*F2"A0PXY'Z[[!(^U#Y.!N`\@5<E^3>_#0N6]/GKIX^9G[9AGZJ?Q]NM^K
M?'"^*J7YDEUSRL1.5`*7$B<T#+U124X.*R:U=@HS@_CS-Y$*:V4WX'(MOV2C
M#(,=H=TLR*#T`>D*W\6,R:)-<^F%0_+8%8&17)#<N5/>2CA8PI(_4BBCY5HA
M0W&4DG>A!)H24%;#N(XF]CLYH!3/U)KW[/2=7)K7"^R#M_RK.XQE!E^KOSSV
MA:&9";$)2+AE@Y.(X/T(X+<DKA@8M9ZTV]@7I'%C#OSF.W3X%K?^\!:K]2<*
M&T%6]Y(E0?9!<Y8L7CG;0_305+ZX5..(34-X4WIP%4REEB-YL+-P!(.BNM%:
MDFB[J,4&9,JBZT#9WS$LKM-=ZO5F7D?ZF9K7@D7E8MOXE2_?72HGB`(L1/.N
MYPP*"UZ:8*N<)Z7J)M:9P=OD#,5%Y2\JOZ\ZW!?.6C(/I`R%(6(V7<C+/,ZM
MZ1N'"B03?""0--V"X)U-O&B):VXG+XZC:3"RT'[(S5*/`!<32#*I8%8Q;O7(
MSP&^/A>#I9/DX*TTE%#/(A(Z@`[Q2.E,**3GQ_!M<I]9U2?+WP+I25.R\<*=
MXP2C^.&OYK,HP]B-85E5/2:N3`\JYR5JIY+S(2YXJ(.I!#O!B1MD8P*0>&W)
MUGU'?2/..6>&E2#CXEQ(2]J2YR.60\=FM$3=$%.;4M>T>$&F5XM\8W\>;]>B
MI=XZF4;;B)3`1IXDG3]8*,B8.G<8^FJ9(*T=2*66I/7JAEB9[D`XQ!FX"0&P
M\0K)FT2[8%(UP0J=(#(Z$T2;<'"@F>]U<:ZB1PY=MQR74^&-N-E&:LY6GW4D
ML%[#5)8"3@)GW387#!,[NS'$E^7V-#932)/W&T-&DN*#7*NT7&\(KB?FDL@"
MMU:ET6DNF5+^)N`TC<#>E"#:2FOUL89M>*P"2L5Y%>?14TF5098^[8P@AR>Q
M.U([[@YJ3"E0<=O^_+_U96GM=[<Y,-?LP&R?_B__<O-]VRQ5T$I^W\2(N&+R
M_PY_Y1:0K^-,F,ZL70]T':\;)19]PS1<R6G]_-KQ+[4C423E"4@SIY<=G5!`
MG#J/YRK<6CG#7D/M$5,2P=;;#Y115I@(H&3%)]NP_)!SWN:2>;UST'?[4+GM
M>.O]X6J21[]OL?KQ"ON<!4V421<0NR`U?F!E;?5I]]F3AVO=9VN/^^?6'G:?
M.4[:_7CB'8\>=A6V^TI3R-?88<]X4=UK325/W9,H-R!4]0&7MB[NX^%?80H<
M&]U47D3_,_%K?5\8N6YN"3V+J[6].B*:[T3&)=T$HB*4Y"M(+656=5A^T#-`
MD%0)G]T-O4E]52PCY1*]E/4UAD9VQ)!#&HT`J11B*AL.W?&3:G-2E6[[I"SW
M."A]H8X[K]'\#/ZNEAA*1V?8JLJ\!:^0"]WC<8D5H./7#Z!SFW^K\<W)FW(R
M=9:5Q\_'ZQ\@?DEVD?#M/22?9YZD-/[-RN/[JVL]RC_^KD/O>KI&,YY8[LG3
M9^-/ISRQOE/5?0R3AM7+"8>>E-)@6-69B)#"^71Z_8'SY;%0BN!,HC)N;G)H
MPUO?<C*'39+N9,U-8Q,8Q$OD:.'<>Z[/3OW,V"CG7,AID`HJW"A0FM!M>.2S
MS5_OM\C2"241<:K"1.`/E*N*0EZI@;>9+T,HLB%6N,`$F15D\,5;$"35C/>)
M,]2)>-,,\DU'4/FU@-RE(%1]\2_JTLZ0U.>(\L]`IM$!>='TTEFFR3_`K"H%
M7\1M,M`E,L=()$Q]U#%.D?3Q"31"!F#WB]7[CU>?C#\5W)-8LW)Q>"N1.Q7I
M<V80.G^U)15)'+0[P@?2!2RL1<EU8&T_!6:`E@)9`)$RA,$KDK=CH'N!<TR]
MEU]#59%-0MD7\!"\9T<IHY'88-@>EQIMJ3^`@_L14&[X=!([,Y02ZNOUZ6ZM
M2JA$"#\PR?%V^[:1'9Q.T<),<BHB@U4'M/?=;K1V-:W1.%L-:=-/Z>5Y<_@S
MBHMD4F.6'4G!TN><B,1_Z2\GT/'YP]F+P,V4[J5O\DJH8A_<G8X?#Y%5,)G8
M*`KV.7=-/0?O09U`J2:&BH?@9Z&`U50AO\&M)=J79?BC_G%P4XW]1>T8P&1@
M&;-PDLFD9`F90K2LIA&*J]=]E[6IGKC2[.?SBT^N7C:X^."*`8\T$)#*`^#1
M]Z$L<AB'._(^/ZJ*T4B@LU"GJ+,\T%D>Z"SMU=2+ULF;_&^=E?["[^',*356
M^\A,P:_A%X,^/>].WQ&M19-X*YZ;(.@?Z;B%91E$2M.4R4*(6]4^0AGH8G"1
M?L=E'2^(^:+)'=AV.M]O/=[M:''%*=5C`$7$\J*4`6`KXWW4_D-#$BY&BHJW
M-P(?9WA3-]S@7XLUNAEH%TD8+0K^P>,<8U(5PSS1/@/E_AD':K>HZP$E,M\0
MQ^)KG2N+,#*2(6`FU.76!^UM#GZM/`H\UE>HQ6(-9AH`%KD5]!5DSD/B+TEF
MBYT)<G0SIDZ?$M3OPO*U@2GC'-30\^U4B0DZW)2'0*4PNTH;)U%1==Z:TI*M
M(@3C^?7G,PB-64&X!LE`,#\#C]-/.GZZ\?K-ULY?-C9FM$?9>+6Y/WM#IXV]
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M[N;4`6$(EWA7954(?B&;]B6@=X@M=5:OD[\:?VF1X=FG+9.,G4L,%%P*KQ0_
M/#E'B*HVX<FCU3]*P65JSL<!;U/Y0'LSR0W9@I6=W>F&1K>3Q@<+_X>HD8KQ
M,VNN(3H0--LA7"-JYLG9)7)8U17>0;:JHRL#A)?L)&,NHDR@ROX#*`CUA8"5
M',S'FA=9([9,FW3JHW!C6&`IKMJ5*1'_NF#TCWWXZ"-P$CVFHLCK>RK#-#]`
M&)06!=?M"V`>\`E=[[SOTY&:4+0_CB`(R,-TC&?,9WCTZ)'?A_92AX_-5A\Y
M:S!S#+A"')P-?<1XA&[=SR[<W4V&A(,I<E]@U0IEFBA(H$6QXE3[#CW+I6RO
M#F\8<B6GL-EFD@L9O3%9$MR2ZV?;E+AINEOK1%,6"TDR]>DVM,[;_D$]OHKP
MVGFQM?G#?!]ATHF1%\DDO"A>&$'UZ`3[PQ,WN1.ASE@V91$K-!M_9WDL/CKU
MY;Q`;$5VKN:K]DT9TZ80.(>GQ^/E5U;O/_VV,Q.GSP&8A553)ZA0DFA?YOUZ
M51+QM$X(GE3L?@<H^;#2\F7BR'W?+#`^UD9P;#D!J4N3#(>/=U;UK?NYY;2O
MQ.Y"+5L,Y*CSS?0EI3E^9KROE>?WGWS;NXCL&=Z;;>_LS_ZRH0'"ZSM46OYW
M=2RCV<<,!_Z;G>V-;:HN7\VV>8!YJYL[+S?7^4=H->L[>_L=-L[3V..A^HO6
M4/HD1YH7S``K`OON6JPS/(-`"S:CPW7+[BNI-B9,F`6,S_B&M'6"RDEMG$);
M$OC'/Y(KH]+_%!JK6>ML8_MEW\>R;>$X7G>^OG[P^F#++?NR]GD+`>-.+<!)
MPHU\IV4NU7W$YZ<3^9U/CA_D1H;`9('?7?CF!%')E1+NRQ*S610V]W^9.]?F
M-HXL3?\5A$->41$DS;O(V)V.`$E0PC1O#8!V.R;F@WBQ1FV*5/!BM3;VQ^_S
MGI.9E959`$%:.]M?NBVB*BOSY+E?.SPGQH&],PQ:G]0(YY-U5ZF%6<-WJ\YW
MI%F>'9V*>=6L;C_$Q2T*4@)RS&@;=*U[:6_E;PD_K1MN"T$CS#L1=!!]&7/1
M-*QJJW:OBH%M5SF%H'XS:T^\QG!2G&LV8J[NE&<K5[*4\AG8O[!:M8D?->:G
MG%:ST5R$X(HO';]R_:/<F!=@.^.U2N^,\UH#RPCZ!MW'.6=!HH4EX"ZCP7MQ
M$@K%:3%466;:TPP!DYVOBW"YH96=2L0L;*^LE$?*%O(+F\5$LH<%57D3I3IT
MLB1WW]\U]X`J-Y7WG5N1@%GN'O<KM]FUFK80&898GM'OG_@$G`6A;QX@8@(L
M;FQ9:F`-F61R5:I\;M*8E1(KO#\X?2#$O!%)QO:F;MJR!K25A)ZM`Z?4A!M2
M/$Q),/WM%;>_O2FE<K'W:F%U1_^%SHB&.KW+_0OXZO1]17O4=';L$TGNTA[#
M=C1>*_CR'ZM/IM>/Y)F#KTAT`F2/UJ#C=[KB=9P]'I3]9H[LD,*&^KK](Q=[
M\]&3B9-KMY,=2EM&)6_$BW7*+8QVJ42HYCR(TT*YA=!%&M?#O0$,\H&P;NRV
M-+VHZ0':F-NKF\$VYWCG9B1;YE>F^V>K-J.N@4?(U+K4<)2OUJ3RDAVP#&F6
MY:2H]F',S:]'@^'#22%!W*O(5@02VS0TER6!#S4SK?AJ.RJQY99*IAW66O\,
M)56W%<"8N^0Q/BQ1L$*=<"_A%6,_BI/=^ARO)Z2[M5[Q=U+]C*R>&?+>"B5Z
MZCW_[F3T:Z6=[0-K&,>%5=&H$V3)O8XR:^VGP>2@>B!X`*7!@#\&\(YE!*80
M9P<R%/XHW49WX0I]\+,&M`<E3P,O.G6;68^:.(8@C4^@@7I<'7PQOT1C%YHU
M"/X$4P'PW&MD)&%N4`,S4'B)YY\>/2RJ?S0!U-"I1^@;EVULD-361JPV15=9
ML#_>ZTUNR<WM;3/#-D2`@F-=.:Z@8EJEPBW/"U^M+L;_OE;]W:5)LZ`.D>%N
M>7U[TPIB+-?)W0Q*JG8*!4!F@`>Z!!M%\;ATH$V\!VE61F'#IUQ>NN2IR1/Z
MO(N%<+LW8B,*#`>DM;`[.%L8^_?DCI;HV-HFC$$^#'FE4P]3*\3@F^939?_>
MZY,_,/M("1X\3+X"'$&MU_A'?W^4RKJX&?0S<7A6%;LU9TO@&9Y+3!5:20"M
M+>DM?V$1?Z3Z_CK_4I\54!?7%@TPW$?N%&*;^'A-4Q5:^#9+:VM7_PPQ[K`I
MV81:CB)8<Q;S*=P9"'3U1;(?/5DS8;7WFPQ$!`6HGTU,:XM7G8[Y43S]QOQR
M^&6SQC>DH^(L%O4LG3-VCR,%]LDL5[5#">[4C*=K+YX\%[_2#1+6C5#AOF:M
M=,.6IAUK+_)\=W%5UY%D@OVNP]S@%*L(3QPI.X.ZD,*8.+PEAYI7G%?%'Z):
M;60F,11/(=KKD%PF>)ME[J^N?C=WX:68SBT]Q8BNQ@Q\J1N8V%=?C&LY7S+&
M&/(Q`SIA%2+:-`@MB=:\7;=6H=LQ-99HM%\@CC#,R%UF">;57K/#0E"Z69V.
MP*CE\4"PW"-+A@706#TA+E"(U)\<YS-P$I.P/%]EG+1<F[ZC1N`]N69@(<K,
MI,*=JG3\>-9BS=R=81BP_,]V4Y(639F$*P1V)-,(N*ZP]>;B50#AI]I<^='4
M\*`0I/5\!T%N9R[\UM$%"V-G^<K-3C*5`U?WCS+R];D@@#+^[?!)F*9D!DNQ
MX05?F?]#X(Q^EBZ9'+J]QR]:4EFK/F`CR;?,#QN*(U(.>W'`WD*78P%-=WFC
M:Z.N\_J>C.O5NWH38&8`)"GLG\H&$#,TI9K](N,E'4/D5XX+HRZ+(ZAZ$O78
MZID,L&9Y$.+V^$\+S,H[`O[1OB#G7&RM([>\/W[?.S@\^:5V9DR@\\`X)5RD
M6PC]S>,00C:"5^X?%,3/I=5<<@3O57DJ_..",`HV4B`DNWN6I&/2RM2F0TR%
M&!Z9\^G@3(,ADA/YM/^K]1ZHU0$VU:@^)01BMXA`W(`)\$D?LA@MSG=H`W8A
MF0+SX]_\F,P*/YZ\P!7O?'*?I1KR*ZX4&UVV8SY/TFC6RT>(`"W\_L8"KIVG
MC+>3#]NVQA`V73>\;803`VR,+#(CX$N,E4H"BX'$I5+<36VVY86-)+&8A>3$
M><@4N8##D"E!_DSOC]OK1^9]WWU;%*HH9)^CA;%Z%O*(J]*LH[ZAU>.GS;(&
MFRF&T/02`KCTL`^:K"4;K!G1Y0M71`[W6/W1&49<ULRB]!(JMM/NO;QQT@0D
M*#P,YH,B/.BL:P_ZK@"XW)L1-)7^,"VJB-RAZA5S1)]5/-3@IK^D+>D&Q"N!
M!;&T=`$FQ/\_0'EK+BBO`^6]/#(0S8@(=O0V3$]3^;->659T_VI][6V*D;U:
M>^O_T#T('69Z&0Q0<C04_@]+')EJ`7"3H6W*J^V5-?LTIKK2J:1$!D;5$@+A
M%%A=%[E,T365'<PS0]JI#,RQ$DBH2N<Q^NN2(S4+^:>4'D-(O>C#;1/_`@M1
MU_5#!'%(D,E;<60S:6%:UB#<UA.*NOW!'Q_H^I4"T$#=_N1XUXI)5QL\I$?Z
M0+&4H^&DL^]+]4"O?RXM\N+A/TO>MKIIJ2?5&^5SD^;`W$832;!C!>8=DZN5
M(0+`@ZP3\\C2;/4;O+TC4H`YP@_3XP-!\!P-CX='9T<]WW(4/^5^0<Z=2,X(
MZ]](.2D?&4+O8>9W1#Z\B<85L3!T,/E]-.H7&RYD.@6UR$ZH6AJ<..!9.FK`
MM8@91DO*@I6EA4(AJPM1!O::J+C2R`G\22-$N@DW4DLBC<B\8E=2FUO5II*!
M>LQWZH3]ZNV634K`+_G6/93VC5=;6\%=Z7)_W7V#O@$Y!POB+>&3(9BYX?=.
M:+9*")GH79;V_K*W9B5#;1E&ONSK&9H*DLI.(ML#:Q&RO4"]T-0'[.][S)X@
M5MP#`'_AV2NIO6E&"`^HEPKL,,M##'FE\"M-QS9[2!D><50\C@*VP$+^#=XV
M<TT]LL7!O/#<Y/`SR@>7>V.9+/D"PB%</5/*#5%!;QE`")M2#KX/CW9[!$Q$
MEID.JK-Z.K-M5O#`S&<68M3]'<5`\C+G$)'9E`YU)=I*)LTZ+"33<!"#AA*I
MM-L/"9+B!.;BX?_AMKP"=R#WA]GKU^ZE9O_BI^S&.VJWG%_A=JVJ/!4&MO?5
M-"JS_#0WFJ"O3]AO4@;D*`48T6,$![%"4?U$7^A'8V-&RAH8W6($@N`'$A^A
M[=VK"ST*P8OUNU>O=9$<+-=K[?L$8_%KJ=^B=P6XO/OP]08EZ_;&)8_SA6:9
MIJ.M-\*_0=NYO_<$GE0"&E5L,UG"AMT8::5[QJGQM.'X(*1[Q(U%]HU$L.6^
MDP8H%Z3A"0Q4IN75TOFW)?T_YCC!=O?%`+P[F)=GT)IP!IA<)$^U)F5%DN!V
M^96R5_7Y='70)65ZVA>AI!M<D<(0[7B<%,ZU7<F342I^JU[!Y#LZN_/+#?9R
MR;+&4PE)ZF?"+T[3@%RU@'%$CO8-PG_1%8/#'\G]P:E'D:M^:,4JA!81HH[N
MP#)VOQ+K(+FU>1]IR/>Q@$(N5O@BGXB3J\(\)7$#'K/I+ZG5#2];M,'N6`")
MWKK`\1*?0RU@GI+/6E)JEF4OXIZSH9_&:$)F&QI$;$+F?*[@'\9T3'!II[JB
MNA*::P9UN!I"G-B<^96;VA98EZWB+-+6L9X<'#P"C^\?=E99QUL!=Z1X?(!L
M+&'3D@HY6T2B&E-=@90BVD;2_-3B0;'<6+MI6C#G;T=D"&HK6?**YUI?D4J7
MFS2XP^-0ORN+6MS(C=?@R(&;6?]K<1%4@ARO@MH1-$ML2L-#/T>.LJSZ#+&C
MPR;ND7R>&(]0A"F3<L`%C:EMZQEO3%<;#B),R@"6.DYP-FQ7W7*^57\Z<':^
MD\N+P!Y`H*!,!XZ`7[E3K=1.(GVJ,BWVH\R'E.;?KL$D3X2U'=0V7ZUN;&&\
M;"?;:;H@YJI>D<^[MF;18H4"X!)"14.>&2+27UQ;W%X),["$NE/9E#V]NKCN
M^EZ7<KV&#C'U=<%$THWKQAFI(YI':U6[7`N&H#EWZ75C&=+J?.!%FB$]*#5I
MFO49=EDXG-:7=Z+#R9UVD3JY89ZN(I2FUA9K;#2=LJ<<7"26&B,$I8;5A17M
M@H8FRS3'-O,Y^Y5U5_W/O!H;A_7VK1"&9-0.]+0SO=K:".A4/[%6\8Q35%6U
M:=;]2/D\_\9XN_NV41JR2\4ZZ$CB(VA,JPGO^"R?6_1C41HZ,I41^H=5&9*C
M&>R=""!Y:$R?-C[*<W`&]3`/*@U,(7CNQ'3/K]QIY#`.E*<FWN(<Z":VCQ`M
M@,>4.VR`WSZ2!EZ&`97MK\0`6],>2OX")?VE+<-DR"D)BD-Y2+2Y3Y^1*&5<
MO^$:[-+\5UE_#@HK'C^?8QT(K9%H=XKA"I:/-^F?7XCN^$A,_P1N9>_7(B@&
MGC[5_C"`"4F)WUKR?L#9`$_UZ4-)#*Y!;@/7GP'6'T./"-_D`X;K<D2+MIO?
M7<#DG,]\?V6;"6`.:J"F6KV"0*]=A6V8C.LT!Y!DEEUF5B:H8B2=?%#2J]UY
MKOGM-8J/;"HQ>:/CR<G>7TN-[;3]\RQK\JU9D\4+Y7KCW<.#RK5[0CCC\2/Z
M;T^FLAO,U!PETA,4QHH>]W;5K40:\6'`L`-@W5O0JF0(9="*2J/PA`LS.:"?
MS[(.:FN>N-XDOXO$QU<VM/,8S^6>YW7*KCR]NOMR92GKIRGJ/-:DOT5>,*_J
M@%W$_RJ>>=-XN#Z&)`24R&;&Y*NU9H2?60@ZCG2"#XV;62^H+H+.9K()A=9!
M%\E/9(J=H;[J;-"@#&A)_XSZ/&\ZUS)=(,0,85>-*UVHBH\8]>9<4T[%3W_[
M\`?E!>K?JJ@;1#P!G#&%SL+;I$38;Q%QI\'#,IJLQBR\CGHJ/Q`?V?Q1:CS4
M#<D;C8<FU)>A9-GN$9D%*LMV6<T?9[Y'"&ZF"D(VCEY/?Q>[@>9XN3Y2PD@*
M<*5D\5U.FRXM=?"9>L3&@BBQ#CBCZSUJ9B&D+J3NQ,-\BU\2S@5<Y0]8YX_W
M`&[ZAZ",P+,F_=%IFK:*3/-/GX9*FY)$=:]3SV7):$B'A,AY%V_?)_AG[IU"
M?6B0W"XV7@97=-^;,,6QMYJV*&]>UF<38,'B(LJY_A18]-1].GY[`IA=79@D
MQGOR\H64;9&V-3J$F\`U966S+P3,'9`-AHO`$9\Q],;.%6F"IQ?('.@L,'IT
M''P3^#(LOF'^34TU(TWC^E%%%R2#8:-#/]K/U(U#]OG59\EZW!HI;1*UMD(*
M[_X000FGZZ3W'WH+/_P-GO+#F\@S=M77SI!8+"^FH:<5];"H,6]FHB'=$3A(
M5\"%:];$G,>=LQFZJRN]!9WQAUTP7)T9^3`@\Q!EG8V^/_Q9XZ680&4E"GA`
MC\_ZARIE*#%S^B]IC5%';YS=P;OA\7''Y"L^VO'7U>65'Z7P;?+_[1W8,(3X
M\]OT\[_`!`3?)QO)IA^,*`?VJH*.4^S\Z^P^&Z"1[7XW9&0497G&.PZNSN\@
MTV^]MZ8M;+GD;Q%IBKP'?Q32Q643U&/N+!E@50%KHH",N)WL1'5&%C%39$SD
MZLK44A]!O;IN6Q/>1[2O=*W=IJKKII<.P>QJ5)[Y#D'\#C'DG*>WL//CFT9<
M5E\;2HD/#EO063N#)3,5W(1X"UI*T=&@CG-IUAZ'R2K0F&'=*@_=L).*6R*\
MTCHA-!.<N7PM!(/$+$P;1LG#=78=:F\Y+P+[J^5%7IM]%5*A87\TP8ZYF09S
MM)%DS.<`5D_S=-'!T6H:`GMIL?*H^&"ER$R`ZUMGO-]Z*\N;/W:Q;XN-8J>8
M*EU?=5O5E%7/RI;(S7_!46W7P)QL:3N(Z67H;!2)NB:1H&893#RI(#Z51#8H
M_N,UOE3<E:;?V`-F+<@9]$GE];%@/V%0((,*`]A^=.P'Q0'Q-U7RA-+B3/H8
M?"7!;NAP(9C&;5LD0?<D/1%$L-75VD26[8+L(+W%Y62:CLET&XDM[VVSGWP9
M:=1O>J&\6X\%:2SJ<_]VAC#HA&0T@-2H^.W-L2.AR=23Z@V+&/*0E1Y(8=3X
M8A/]45():8U5$&:_)F7&S,1(48M8GU&]FDLC2;"TUB@S]UY"I+=@L$LZXPS8
MB:C03Q2$C;%2H;<=(UY>X);RJ*)IFYZB9_35H(?%-$)O[7D.B&,S`O$?C(*&
M`S$:1R\7+R+M^6.N$F#7$?/*LE@O+%UB"7\("@CW`74$:67OSKP_UR["-_=Q
MJ5/+2YY"[*_S@R6=7<5-U0_(MLH<#$:8TMI(V$T<NF!YRN55.PQKM*+-F7N7
ML)':W'RZ^"_C9H`)ENCPC3I4S3S,_&GX12J"F2HV?E%02Z$OHYZ9D-$.%!MA
MIJ`N37?JR=`@!3]E4,:848L.KFEU!7V'_]?"M0I+.L<C-Q1ZW"O)\O%&^6`-
M+V`V2M-,58N8X@\'U:+:0>Q+(E-21)54^XIAF0M"^18J4K5ZZ>Z^'].>F^6>
MV#;WQ+0WVRK2PU\FG",X7E22Z2$SIOHR81HL`/]C+9*L2X:@&#\)\3&=4>S%
MTM*)B`MO),)PY0;CP/`]!7M?;7N*#N#Z$G/)LJ<5M%0B0N185@.!QK!.%L*Z
M.S-AC_QAS0CIU:KE(HAERI-2P7C?DR?U6TN,X5_:O:6KGVYMGUR+"V)Z7/PE
M^*,$=M&H1%N+U?M-QXDFC5?W(/;Z";T#]#'<XG!W?)-1!%NBI)&R_@L3P7LW
M_6^!3VB$NP//JW"HZ=J*]XW:[`MY``VZP#6T4:$VT#R_#7.,LDF?E4$/T=LG
MD4G7'Z(@]BBP2KA6X@Y/['/V;)X3J'=)W)^U%]RF,$O;-QNTH[VS0^QC_+V1
MDI.<P:P4/,$.VB8+SG2%:+[>>Y:FR5O!)*)DO(T/+(+G&'\,RW`YEC['MX-O
MJ(5U@@=CX!%TP%2+U=?M?@\_8V`0L`V7O!_2P1SRX2EQ)@Y-@PR";\+TK^Q#
M^H(-PN0P-RT&8REKK2QD:,F12MO*[RRZD1H0^O9B?K/$KMX1PPN;B:!O9+/=
M./YL[4A)%VP0\]12[I9[[^B]0.A<ZE:\5U6^Q4HWUPJ,W-CD)XA<8#\G2P/N
M&@YLNC2D1EH"#$^=*E@O9'V`F09GK2FD]D70\QZ,07-E\:L>\^'`H<5<^PWC
M_N85!]#N[ZFHFB8SCY^!:TI]8",/,.YPU7L>-(?&.ZF02ZY"0&:5D':H,SNS
MT'\AMLT)$70TH9'G+_)?:N6B0AH(#3YVCZ:M?[@NYJ4-6N%&T?('T\%106Z_
M`IG*(=P4[O>R2OV21X_?]T=U@^*J?GWP]\%H;S@>^(3K<I&3QP<+]^F"`$.C
M```YG:Q\WK"Q;BX\B/A?/J]B\[IL>>'M9E7*?'![]QN!AGKM!1)&=^J"]6+G
M4H&F[#ELSG"5,\YX\I?0FB#YA-HIIA%?(YUQN;%&I0M6]-&SO#JVM;;Y=G%M
M<SWBX\;VV\7UC9U$`)G1H5OH0$9I^CG-"94L?A+^*.\L"DU3RD&G2;ZGQUYM
M+K_=1/]6!1N3X<HCMA?0#LG/7]NT5SL>=S-)Z))'YVT\!*]N+6^L1O;2QSSF
M3U`&TCN"KCB'L[1FS36\"2L[6^EQDP9ZYP8&IFZA.0R>.O].T`B8<8RR\*SS
M[WA#GV>??WMY.['7"<RAC3_N4'3Y:C@D7B'NJ+:%H*_S"ERH)J/\">]/+T:S
MB]C^?6E\@:')/3M`[=9U&>AF5'.&6*>4I<!;$(M%<PWI4;:TN5)A;<"&_\U8
M7<5==P_[>W]=&N^]/SD<T%TE-<3HC=3IIVI^,"+M<4FMP^!^2"F)%)GQ)6M8
M7=Y>\U*(Y97UPM7(_-'EK:WPZ]IV]>O:\JJ74:PO;ZU5OPYBEPP-G;%C&I,N
M-Y`>(Y\(EGQ-O*=\9'UE><6WL<Z8[_I+Z^!6^!TJ>UOM9!TOZKH=@_]:VZQ^
M3UN(UFDGI/*6+/-VH'CJG=":?D'=*][,,AQVS'!X:KFN)AA&``D1700&R>@&
M192F4B`L!Q`Q;?W'Q3>P)E)C&4\X0O'@];SK3IHA1P4*Q:=@M@@E:"LNC2M>
MJL9?/$;X".9X_Z80ON;C/H;19-VQWU$XX%;Z(3E2HKT;]'@I*=)T\+,@!"RM
MK9<&YV4^\7-F_Z(*/3P]&7A;8X+)7/)C?+[ZMQ]6]9>[`SQ?JM#^MQ\F&+;W
MO6,ZVHUN2?34K[]]8'R[#;0,C_]T=VJ'R$=()\>R_;(?VC'OAMY;IR')9HA'
M-]2V_ZON_^$ONR'#&C'9]E%4U50GX(*YZ#*DP>\@[75!R6Z$@[QO"<;>-6P2
MVS9T("BY`+VD=[:J]>G'TM5%YU'53LV2\'6+-,V#SM5W5]<WR[\)-Z/2$1"]
MBSI:!RW76%A'R%8-I18V=JH^6QFT*T*J5MU:W%FM5]U<W'Y;G:(?ZA\@1;FV
M;[@J$982:U0@KY)9K.U*$#W)44*68!O^:%=B*"]C,=^%JSS\99\BN4_7<!&;
M;C\/,IC/Q+AAH,DX`]1HV`'8/N<S\>Q?E\;[E@`$Y2AZBMOEZG.PHTJ4DY7G
M?36YWY3R4\#KX2\9+[>T,]-MQ0*<EU,::`J7I]8^D()6?H<9Z%4[)A$B,0\?
MH.#+(A>4#A[D0K-<(Q?B'>)A,],@<"#$5_E)TA,Z.]VC`9L_K'Q>VY&V7:X4
ML:75W*ML>R00AT-G6#&?U%I=^;YBJSL>.DA:\@T'U=V5`%BH;FAAK1YZX6!O
MV'/@^`65EVL_Q:X\\[B37V'[/)/:+6D'_JW![\F!(-WG$6Q7<@77+"`X]Z?E
M2BP9M"Y:"_1:"/.@-NQ4,62#?X:F>F)"]6S$X?$$37ZX>SB0=C^8C$L`5`_,
MT!C75DQCK%XIUQ0S;QPS>WFM3Q0[8Y51R>E*OI./PE/>L)*PE/K(+PNQ-L.2
MWHE2/'ZZ5K@5YY),WX8:D?;^!Y*3NU?X>'M[J4`CT9-WX3\M5($'3XFCE!]!
M)7`DHJ>VDKOY$#BBK*M+A<>\^Z]M"<LG?D@VG@*JL"KWD]/.EV8XICNBQ2#Z
MX"-JAR$[3EEG(6K*;]X"V[.AK^D]TL?7ASVE3O<\FZV30E6D2JE0FR_AA[2>
MW$O)"`N<8[EWX@[0!OCQ[$*M5ZMKRULQ6QH?^\[R9OR7S%7\>VK4Q`="4%TN
M>\+:,;I!HR$_F3P/Z\LIM8]]8V3!<,-KO\@LW$/L*U:W%Y+P^I?P//G=%W[9
MV^MS91>D%(7.F>Z&90<E:3S</;)4^&YV>>@6AC/BBN:#"(]0\`ULIEZ)F#B8
M%5+0,QB'-T2!,M'IU..A!%V@=\>/X5J^Z"Y#_12@C._;HGQJE*P_)Y"W`#H;
M*KBU7ZVO6_FT'"?`(L7N`EH(PU0#2'Y6S'/S0)>/%?6;<>.+OU-[\P6VP'8%
M;MOA#7X6GV"#\T\)8<IF9JBG0CB*OU/+9K%P6\F\,PK_6S8C;,XF7,L,"WAM
M@3B6S^[1/3X-ZF6$DD!RWNCXE=9IQ"=_A=UB"UDK=7&?C*J?B:/]/.B]'^R3
M!?6.KL3CR>BLLYAY]M.S&-ZJ,;S9[\_@?N0G4SV$H(CU(HEB+?LA^MG@:9';
MM1^PB9;4?##7$B/X^C8FV^OO$AA&<]:HVYLE04&96\8`FH4D7,:HK%2JAE4)
MX3Q3D%?D#\YH[)S)I9!1CC#U272)!S2%7JW;3N>\))Q`#9E8J4(&=X_")O8.
M2L8*M-8.PP'A')T'L+V*)WLS"5&7`&=V^D6H+PCR`@IB'I25GAC9IJ9D(H+X
MK.=,&>S5NB>>GGN01N348SU]V)"NS!S+_D7MHOA&2CX/SYJ?2?+K5AV*@*0Y
M[>*W6^O)#,(G;Z6G^K28OK8=/]YLM$/U(/V&A!KR4\R?F)4#JI[8+CT6]VG)
MAB`-4C_%>@R2'4)Z/1\'$GBA[6J$`!S?A&..3+JJQ@T9J^CL<Z=$W^[/'^^8
MM7%L2`;KV54FYL+I\=X;UK.S*=$21W6+E:YL!W:751KR?"@#U/93WS"N,6%W
M2,G")VXQ:/BV'H7#01-\.]B*;11MGT[4Q%8!NV&#%_ERQ=3<6J,S^VMS9$7[
MXY$I4&(`W#5:P)5E*K>"S140E0="F:&^U+DR$++\&W"P5==B-JUM(*L>;'_*
MBI)-6BM+*`$GB.&X7?FTI"ZT8.-)$PDET[MV;*$ZI&_=3M(O)GP$Y7Q=_=O*
M;3N7]_.F%;2VQPCC6Q(BLXX$;.QB[1,=JT6_>O<6LE.D?4XY<4"@KG4"?F:7
M8(K25RA-JS;4E>`"_+W.!2Z(_RXP%^X@?;Q!.1%:AA=-L7>V-M0NK46*BU\R
M([\_*2`J<2R%)GX90='.I&['*+3DHW*[KK\)&S-6G>00O%+8&O*C>0%Y#QBE
MX'##U*TR-TZ^-.L?)07JPK7<!@JNP\*@<ZN]$M\3MM($,MQ_[&%>%&YGPRVT
MZ96$H&?01'P+U54H]"$C"@`A5BZN"D_PPU_&%`Y,>OL=*=5'?5I3#2>_=OXH
M58/IL;^>#OY7,?+U^$1MQ/N'O?[4P:8].MD/4%BJY&]E=O=.^\/ZA\'I:+@G
MW>9@-/C;V>!X[]?RN_CZ1];*98%PLOW7&XUGP$(;$$&>]`9_5\)1M=VCD^/)
M^\-J-5U+N$IUQ/SDB3(@@"'(K9Q<2HQM9#S9'*1^@H(A!'?1\N-7:1@A@8K[
MBJ+:2G@Q?TSE]7_HXDCGX%LAR!K3(L#`G+V3@=4$N$&W5T2CDSECI-&E:;31
M2HK53ZY7N5DI/#/%"D;%4;5-E'I27>ZE^4CA^BR3A'2%F"$$2::20N2YB"R+
M(/1ES/YTB"+AR@'0#:DJ"_W#O1-+,=0K%:AJL3\>O)-R"QJ-SPYK.[[X>992
MN^8)8[/7,Q*-V4XY,8FTM>6(*&8YTLDO(`R7"Q@BJY(T]@::!D0,CA37!'>8
M&!D!D[<7OO^&Z?@Y:*:.8C`%\QCR[53T%5F-.-3O=&_-")[<->M->]]2`4@2
M\2Z]:0G9Y,GL1.;E]JZ56M.VPBOO"3F9FF0F:>F"^,D]W?XQM_@!0]Q?,-P-
M:!G_)=OFYO;SIPOCE0)HVE6T9FE5YAY!)>ZB?Z#!W$&`G%0>Q$L^D;*H%$AO
MS,TBHS/U8,<D#P%I0F0@MMVD^D7$=?P$<2,`7>N:[KVD6^2+`G:;ADQ'!PF:
M[;DJ[\]*4WV$$-T_(C81M,'&@1.@5YW?-S/E9ELH^-LM(M"M`@'*5*=XB.@^
MD(DCWQIFCN)$QM'"+)1*/(U:B*!7Y+&+YH&IS4MT7$8\2I">PQXPH7ZS_R-3
MS&`4$_,1\.:JR`N+!<-V09-*P&+A9V-BQ0\+DY0);#W]Y97ZJ,L+?C%/O--Y
M$*"05_AS_0T>^9S0V6L!Q8T"@I^'%%;M-Y2B<N!T\O)=IX#LK_*7+X%?Z'B^
M!;^]E@?'@&X15ZG37WD#<\"1Q9P.V8>#5>J`M[N>W(GQLN,OI,4M]F:Z4\@_
MXP-DXVHZE)NTR7=/*;(<46A/..KLJK+V0R$I<9GER\TE4,!F[LW*\+,E$6@0
MCUF-T9Q/#\L+B,;S*78ZM0,W9R>)W&%'!J>/1])R'R[5#TUMUR1[8$B`@$Q=
M>&HD6#O`%\9VFNEG.P*5^G16)6\;`_S3@U5T\\8\N\WZ3-XO(N>!#(0;G=#:
M4?Q;3CZIT6%Z4H=@`;W0X#WW\1!GI06NX/PE0%;/<M.0:7+XI6S;YKSA84.)
M&-W).DW;5V]HBT^H)V[@WKNFB6N:LN*86=]PAGZ6DYAN7,P928&1H.8C^&#=
MO9%0R@0<"0OT'8(YZVF4K[V)G7_W;'BX'T1@2#>%I<),4*6!+>0F]Y"OKNB/
MOG+)5]11%'B(K+DY/LG?.<`_^'K0?;E81:C"N]>$'^_\9#5G;9U$3#"*)@1`
M\S1`QMWCZ0ZZNJP-D(X<8!I:7K&S.)4M.)^#U[QT(D>HQEOE6I+\"&_*C$L=
MCRY[_Q`T2)U]9`,(7?.DN*\RY*2*IN$%^$K@B=2OA)L.`LCZKZ=/F*EE(JHA
M-MG;K+$4\`QHV'1/M%@6-D-'65MX?ZXKR3#A<ENX'Y2A0J^($CRZQ/>X1HA?
M_IK+WLC<_";V3^`/1MOAVQAY;A;5Q:3=F:.6X+5>6@6CP:0_/.SM]H__VE$&
MJK9X2AS%6IGR!'[4\:1<='C\,Q:%5-"?L%9&_'_YQ+&)UW`[X!QRMGQD#VZL
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MT1QE.B%KX>D23JE*"1V(QAM7-I57>C-425FU.#O>/Q-R;O2V771F`-M0;54*
MR1V4MI]]S-TS[LB5RQ?E%=U0@C.:9H4=B7'F-**AGFX5)AD>7>AXIXH^G);>
M(-\8XWTN'J^-OYJ-E9\R:!O2U;^H@ZVRJ5U4AEOAVPEP(7U)P&KGCIDM5+;P
MX60DE_K!_O%X:0%2=5-J`YJC67(07.*+Y_UH@@=A&$_99F-!A'F^UV_LD4C/
M<N_`ZS,E10S@T@8_TS\D;K:%+@HU>=L15/`(,80>0D?JK@Z$Y7)/C)U_A/+I
M#RISICX:S0R55D^9IF$G2&CB^H;5`1IH'V@3+F6T&4%/+-'JJF0JFMR<VN@G
MT[6!FG<1K83LWSK110HRTP?IOVH>AK`]Z46`!\T)12`!)J%_@)!=1R1!01,K
M!%N?MG$!HB%B8%`RB:P$!,099(&-$DQ6]U.>,^;BJSMN+-%'@+6*S6'Z/%_0
M]2XU&?F6T^`**1I#_7CL5.$D@`9OZL'T$*F3Y`&%DW@$I%%@>.CX#S9]B*2%
MUHFACU^N<&?M.9LQ#<FIY$7\H$4[*/W7GU"@@E9*>U7T(R_.YPP8XVJBR10N
M3MB[)?'70HS&'3RSP5W6;%<NA%L9?-*!^83-'\A/Q"F^ZA0!^W6*+LY47NV#
MW9+=A_E%%B/X\S]EEZC"=AOF'?"`SW9C`K>4R$B55JCWI*_<X"=7.>I'<2,1
M7B)6N`16F2#>L)V42@)K4+VYFL!2AFR?MC#XV^6MC1\-+=\NOV5"FOBTN;>U
M8P7+G^C`S,Q4YJ1FM4;=&F-_;T)KDE)P'9R,HJ1DM!`NZ'[M@3X]&YV>C.M2
M@<D)\QUZOPP.#^,2-L/UC*&E(PJ6J(2=]/9.1C*4%,5G`S:1?G3R\U"SZ:L\
M);SDPY-R@POXNB?O3\[&_>/]\2+>[KT!R]JCXTI3<T4LT$!O`00;B0>GRB#S
MU=Y7K^6Z>_G]CL)0"WR6SQG!-VV`YOYVQWO]@)U3=MM]WY6"=$+KBT<$`>@C
M;'*T3$[H=S8]2<D&P;PI&<W8/;3)!RZV?MV[>U3YBM$V.@[LVCQ6$C=X.RK=
MHR&_AD1L`5:-O3Q@I!F])`UF%V>5,Z'\PP2#O"^UO>,]>GK#X?"'3FI4@OCG
M>UARX"K\?Q2:,8J6&F\$>;Y_>WFY=(";[W<Z6J3D`6MA$>5,YG,!$I`[@@6U
MP^6Z?)^2],8+\>-E\@KP?&!2X4=%W%RGL'K'R#O8`/:*^G!(B1%(HN":QFAT
M,A;U?>FEM-0C*;A2+B:LHED7?FOGH?C3\G.EIHG1Y+"'.;6S\E/A&6I'A+Q8
M''X*=`!J2AT1F'/#'!#A!9U`Z:B/5L/*FG)D?A!YW)%6TD(>44YX6UF.]N&@
M$R/<\.:ALO&+:2<1*8_V_\>'SU_^9[_2']PZA;L<G?:/?^T=#(_[QV;N#H_A
M:$3XX"\EA<[SSBQ;8,-L@7E6*;^L>_#X`?+/O)MR%P4]K,F;`3_)]"`#R%PB
MNE'=K^3^)_59EAO(U!4+T8G\/GF06&[C!S3IY=YI%34`I^38[D6?3N,B`7O<
M<1\_9'8RJCF.8Y#JCT]77X,?Q_(MF.&F#`?]*7G%HJ-5K<+N?D?#]-^C-T[D
MGSE_%],F&L>2'RZZ=QK5T0XNIR@.7N8"!X]I8`BI*JEY_M.-:-UQ,^8J6K.2
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M</=L0F]5!M&K`9UIF>.SW?%P?]@?#6MU<#=4I`G?_<#=KK>$]S`TA`(],>C,
M`D(J9Q4.8AI)0O\.',9+MK)=><3:2+67)J65@.U?_H,0B\5FX`UX03!(3*EO
M`H?\71YTR_TS-Z:BHLCGP#7$E^'=[BVO^,?"QN+.2N4M.T'<W5DI*2N76UK8
MZ7#;K6U7[C%-FK>#H5NK[>!^;_?72#YDD$B__GDXZ;B9U#9S6C#`=I;:<YMB
MT,6Q!/FWE<]-!6D;E=<.4:2.%8'>8,V*.YC&DS&\AE_.N8,$@H6S,><?'C-P
M+0.&.["53C,=&%S01CVT?F&S;E*PL+U6W<$IH7Y/J39.ETB<MA$T%JIN=KLN
M8M%\^,V-\DGL11F'\RR:8!!`$+6?V:?>7%S;J$[#A6YL5<BJ#Z2L(]B!X9PX
MA/V'V,3/_</!<9V@(CTG9GL$LR(1\C>SFJ0B/GZ!YC49T0BL6T#C*2#H$]OE
M0'N-+P@U)]HJ-#3'W1?<#U(H"S'OK!Y?IW7J<,ZO;)!R4X\WH>%+"&R;']!P
MTPD_>$'Y1W3>'"C/]>HN)'7'1RTP;R]?,PQ#/`V)[GXG'9PVWU*<%<2*"FZQ
MD]Q+*=6/YK$X2RQY-/KS@ATG"Z7M:+YF0C3S(_1ATX/@HPJV<B.I35J41\&"
MDSOQ7$`C]X_M&63H;';EXMN5K?A*MG!4X[#ZXAW1@S&*NI2WRXH:-'OS.X?"
M0,!G`SS$5X-LD)C0]LQ?!$0D,+E,FAM)(7WXBI<)I0G?YEWL22'E"XF/L:FQ
MHNP\8A(+=Z-1L.H2E)$FL@8Y-\Y!PH.U%F'C>"9L*[T3$%>5$M+.PX3X5ZLK
MFXM;H6\3N!XAP5;"K=F!TL&3<".EL?+Y5>;->'"(TP0&AS]F1)[?(>$,'"8G
MAT,E-.Y'BD=[X-_]DI<\[^U9)H^/?7O>>N5N!,PJ$53E7R``CM=HD=,07R8&
M\,,X#EV,D<U-3+51]G%WF_N-AE^&*GP`]OF%I)%*&IL?+0"Q-\`QM5]N#[_9
M<F^]XH%CO$S\O5(SNMU1J+`8#'VT*MU'Y5]*6ENW'FA6FQG&"UZ+^,8D<(J9
MUMJL1R1;8=C8.#&%7>==:^BATU#,.DMQV\4W<=&H:;`RT8.)+;&-"K)TGFSI
M=4^]8/0=&8G:NEJ/3+C"$Q^2CS122O<E+W2U,=JJI?OX[.BH3^P0LV0\?'<\
M/!CN]<G'I'_&R9F-M>N=0H-[J%C4/1#MO_A6W?7NV7AX/!B[2GVL5./!;"N'
M!&!<%Z=JSL)G&S+O\&`<#/"L0O3O,1AZAR?]8XON=P\_L)\/!K6:KA_&E%21
MLR+G[QA17MY<_Y`9PV8%ZPE;22U"V*%I`2#ZN\'2R<&!=*^]P3Y'K&RW]A)G
MQP?R"N_[6LI."#,I;<'#P00>Y\<?#?:'DW(_EJS0ZSJ,LAN63GXYUM+#`QDU
MX[.1=EXND8P8D:HV<'+L%%L^:$T6EW;[4B_E7HK-',OGFHOBP61\V!5.M3U2
MSC8&[T!7/1FAIU:P4Q9Y&^M8_WB_/]JO'GT.PD[DC:B=WX-H=IU"9N,N0J9K
M$>U_O<Q^KRD_&*CKBQAOZOK2S[J^F,5C/S==7PX[*K^;G)/>>+"GQ'RCKBF;
M;6T%+P1*);/D3-022;WK_4RI+C(>@9QY9<8IZ:F\Q/9RS;RJ(S=7I"ZPU'SO
M#S,7%`$%Y)JLV6P?>*'5Q2OK9R!XU,S="71A&@2:5GF'\M2=QJS#\FQM"LR)
M>-K2(QQK".6OH9&FE#,RY&^_FL]'ZII]T#<M>SA]&@A96+S<PKC9ZZE5!WZ+
M3QI<9^\_OYLATIWP\Z7MP$+7>VKZ4GXO!DY&6/7,Y+S,@"]-O%A%"N?(ZIKU
M8!"F01IJ!0IAB#^6WVAOFIF;ZEQHX58@LA>BL_6E0EQ`$)>^.W65TX18BW_*
MV^&%\OGJ<'9B1\AB#WRX;U61TS]_?'*\!.>#G3,8%^L89CX9R\@[/-,8@=YD
M=')&`X%]PHB[1-?(`AN=$2]$-.'W69CLC][PO]W\([^GXE@>P`*X\D'KZ"Q4
MPC-_G9^K8^>_=]TK]+E_]=L'C0Z:M71QP>6CIZ/!$6T6&T?8J15BS'/F4QK@
MD1+N3$B^K2]R+I4?V!\00AT"\WF6C"@@YK-/=P&*Z.<[W""TV\7RF^>]KN_H
MFQ@WWI`6FC\BB%,>)K^3-JN,7YUKE?<GH\D2DO^HMTN4^.27@&Q/HUG:=YN$
M14T>`A"SBDZ"`[R,=,\EOJ2A-1AQD+T+I_%_P3N7(/S/O=WH)*C@W-__6?K$
MF`*MDR-TD$X-3&K1.TPUE,4!1/3O9\=#J59GG`OR,I-MWT95]=6E(ZD!$!N"
M7NK3\]!"1Z#;@OARM5\\MWLH:[9H?_?D;-([Z`]'/3PV9X/>$85D_.*^]WDP
M,5"P/A@KG"04C[SVQKH>0I1D?(BZ31;/PI6P6GH;6[B1VG)7B'\\L=[,\Z%`
MYZ'`U"U@+O`>I%(H-0,)=>WE<=Q;'[SF\T`PDJ10,@B725=":DY3XG/R2E-B
MKG#I;A@G$C%ZC(/GT1)/6*DW0N884@]28+?YCOU:GB'_%+S3W9E:JONV9[WN
MZJ"$JTS2%RPV.#H]//EU,"`J<3PX&$Z\9_I<]Y6IHC'T<$+V&%4[`,W9L750
MSDXE7@`+,`!6E).#I1]R!(])]?F5D^E&7!_H692VI?;JZ,AW`N*8QZ<APW\/
M[706Y')=N=[^K#>;;)8F3^31A^7<]\[$XG"&T;),-99TX*H7GWGR=#)3T5I'
MBRL]=;2@^C>60GD-<:'\NC((@TU=UD/`Z@4IH)79G5]>!-!2U`?!@!D`>M$9
M=20<FX9;IB63QB:TFW5Q`1&[V=^L%P?WL:COX%'5$.E.3WTR6/750RL8SNWL
M>5A56/PH)$S&Q<680Q4#3/X0UE]+'?2G@P&97F$2XUSTB^(4>,]^=!Z/K<V^
MTQ+]DC1'MDL'GS8(8:[/^C=`)CE_R8)QY/2`WK=9MY!A4?G8/`U6Y]I<Y#M0
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M$TOJ3A"=]HTHK?[CR";:_6>YS-$'1K)34#'M=_2=6"`][9%Q,;Y7]S!UO?9=
M-M6D<]SE;NQ_.'5QM#OZNQ&+_:W"T-?KH7=]"8#DDIBZZNLX5:1\]3G>Y=J-
M/`?=K^->H'WP?6\@O;SZ_-47A>"ZT]F//E`+N^XCE]=GO5DE1C/:*RU;_9@O
M6_WX''CD[#77];LT6]-HG^:2*0]C'U/>W!'!JZ1R-_7&&T[.E/B*-^$IAFO2
M!<:AFA*%YW%;R;V*X4!8/9;.\`?92XTK!<EL12B[RC[(,C)*\$_QZ><@D0WQ
M3.?]'/C4_R,D72X=W-XMC<D?6&J<]TO]F\NE]U?7ETN3VZ7@MOJ6_5Z=8LZ\
MSD6B'/$P+U_CW1UF31X<>/>!3//ON%YWL"%!S`2;(+:8^60HI!$7GF\7-"DT
M#,('9[E>SX=+O<*?@<H<JW7#1#@B4H@X,@=$SI;'U`JI4O/;5#:;/Q-;?)"T
M>_$[=&891%Z7/TT*[:5J_'.JKZ8+H/(Y*40N<N?X"%X@RUD^(M?<^XM.V\Y<
M-/YT1&T.HB:81B:XIE!?PYH,MT)@KCE0B:%=:-U0*;U%O$N-C[MY[LM]&U'I
M[])*A2%COMJF)RJ];+GP<K[>-+'\U.'"_H(^D*VX^L(=GN!HZKWTY4X.TG6$
MUITL]G[]!!G.`\LGKN/9*SF0,K"EJ6O/7BK<8&NM<`?/6*L%_F>\9Q"<PL*[
M+J#QQ;^`0/*7G[B1>2ZU7NY/$DB]8"2O[':>@^/Y@JT;*H]7BY.Y.='L5Y\)
MYGD6>P:0YUFN`\13^<CL]?X$A#L94/VU>=A/_=83=S"%6J>M,P/\SUQI%N3G
M7JH%]+G?FL5VZH/G9-2Z@J?)*'_UB7MXR6(S+N,ER\VZD>>MU[J6\M4Y]+(7
M9RK-H:SE:RN(&;*@FIJ/D`7U>",'D.7-7'=F067Y6XV:QVC'LJIND8@$AA.5
MJ`QK75.+2OP)N<9>`6ANLZYSX2?3M^;?>-JNFBAHV+T*"AJD?OG&.Q?^CALW
MCOK\K?Y792!V0OBY$)ASV1>>OUZ]$[I_?M.=RWZW3=N5/1NYZL/[.D]O*W42
MZ^59G<^)"61T]!^'"F0/->>H\N^ZAZ#A+[V/77Z3ZJENIC.*/$F+A&9?^9C"
MDB1CI#F-G)6OW`:X1">(N56RW36\K%SK];J;CSWFM[A3=*,S6)#!99P26ZO"
MA]W;V]\]E*&X1//5#@YJL9'RILO=G89!`K10(,I-PRES%S+Y^_:.]$><VS0(
ML!3-\L4Y050S]FS3Y9H)5,C4`*NU3EB]CC)\;:OS]SDW5P)GUM:VPBUNIYVM
M=W[Z]<:\#\8S[*05NP]#G%'54I<]ZYE`=N[MW6LD8;_?5Q:0(E73?#E-(N\=
MX9C*Z)ZV\%/+AD3F+`NXG;@ZASJ!YUR]A3G&\2U#01#V%GR13RM$*CD6P7(&
M&9C?:A:GR"(]%DKS6\3Y1OYL'HV:!B4QAQ"Q6HK^NZD@Q6E%S@ENDVFK!>#`
M$;F;/Z[F@(4![]RGZQ#Q(^D(RGZ\46R/0W1''/,]BW!3HU&#`$-;O!R1'G,E
MC<7,:$HJ*=NUQ\M'9F28_^E4\CG@$:/N9!&>TR;">^H"$LY$*E:Y6;+%[CY>
M+6GZ0?F34H_P<'6$E+-/7,F-.FUQI<E[`I#Q^]ALPQI@3$.`&=#+*.;IO/DY
M($7!88J5515M+M&%7!5@9FTQJPDI\NJ5!Z_DE3DV)L@7B?KUY5R+)S65".4#
M9S=6P`J@PD2L<&GE<\4NY;/MC6-[PZ;.8=IU/?/UWO]1[4N,+!OY/)??O.2+
M3S"=KB6/;_\L&&:O\/\($G-\]`E@S,#NF#C8@9\O+B29@QSB9^\B662*(_KH
MIU@%X^@D(>B];L3]2?<DFR*(`?X>\U5+,IAQ:O&`O*BGR:)JE;;,<1!;"=4P
M]$-'$F9%,JHK^O#Q(_%CY7Z<PBE,`]6?+^Z(@5V85P!V:HT."4_#=HU0$;]'
M2MJ[I37EV+N/F;XC0.S?/IX_*#="=`VLM)H!Q;J6J1&1Y"S*@D^>**'2WG#Y
MJ^UQ&F-H_=A&]A>\XE=K^OK\FDD!G:DZQ[3GYMOU?&^_[`#9;4X#6G[C\9DY
M-]ZQ>OO-%VTZH5S<38DVU0/MC[[PM1?M=0;5DVVKPAG+9(.0BA*NKLJT.1A`
MMNBT8V:/B(!OVA5Q^>2?I//""$37,#H,4.L\:)Q#BJWIVHGC5)I,?HRPG-A*
M>E-`+:\OVV`\`Q>8:]1/6@'=2SQI&^@..EXM-SCEL>=N<OHR3VYT!EH]JUQQ
M#HS*UA,.Z,)H=CQ+P@BCVU+D2X/J3D4!\3Z$#$[[8PGE]96ES9W>/FF;DE44
MN=39H5LK2]M//$+FY\PE7`N?]H'R;4/[,=,AKFE32?8I1RVW/>-JGN>%LX8,
MRKTPD$?BH>@ZRU"G)@;ZC6!44N<C8IO^+G>(96O^J%F84E`TZ((*AG*WAS(_
MR",%OI>/J`>6*!I]:,PIZ4B:C8F?3;IL>X=-7\RFH8BW-2P_GBGJ&:'']>.?
MRK?B[R!5[.C3X*,GTOGG:H?*E`\^D:GZ/6IX\Q0\T7U&$90WJ"L+:;U-L>X<
M=%FLXGG54D.;54K(Z96(*YTD1QTPM34WU%ZAR8%8\>EJH>]0U9Q#1/7'<QS9
MD96MQ4,$A(^8TA;S=L+GVGY-MGLG@%X/_DDS*6L9@Q2+=`*9/$RAK"<V^X2E
ME`Z<W06MRHS*O^>AO_-U=EEO@"N6B\]QTVF%S!"[]&IS^G!UI49FI*V;>_:]
M?V<0#*-="%DSOV2.(W\/+O,<`=-/EJ`PF<*?3[1X-L6,X(85:+70FVDM`?/5
M(.C:AN+&^H-N.?%Z=:V[ZL)KOJT8).V!^(T-S38WGET@(YAM'JK,SMB2N>1#
M$X;<$@*))0HJF$.SM*1%FK[1@]J60\7VT0ZHJ^EL'NFA!["DI376M^"*5UZH
M9ICN`DP"1)6QW5A'.]A4H+YR(Z]C[*C\(0HK*;SEM[V&T+:8/I94+/M@3?;E
M^F@;$N^6':Y=:[.,8C388<<BSXVGEZ]-:[OP5/HZ';.07`]TY%?UGO>.R^H<
M9H0+E7I5[H*F!?A+0K'UE&J70ZF*D=>5"YS&%A#3'J!=(+V;5;FI9;*=3BE:
ML2)+M>%3SQ(Z>H7RL6G+-\TE<FD6_*#F/XE]&>9@`-V+)48RJ%M,O'C1KAW*
M+"O[3[SX`T>M=.$(A!=^8MS=K^(I7,VZ3.Q+"YX5HHH.P,CR2D1[O2I5N/IK
M=X0QM@LH&V!,PR+?Z*3=#F,JSO]W]<7HQ&A146R`,0=R_'?M]3ER+^O$34&2
MV#\.KF8:GK=2L)AF(CW0!Z\'7&1Z\G\6Z5G9+/$D_W&C_%%)93=,)R"8%GNA
M8#U_B>U<";)))AR\/]PMWSPSD:)\@-_"L!J:VU.@X".I+,Y"E(==TRA,;AMK
M"EIY:(PVFL8;,\G$GM4<!F_201@S!7\^6..&<HL)A(IO_U_>KFVGC22(_LJ\
MA94@$20/V7U8R8"Y2$Z,#&&UFR<OD&`%881A$_Y^SZGJGN[IRTR/;?P2H7BF
MI[JJN[IN?2K\T2B)EZ3YC&MMZ'T#MQ3S0[6#6`$I,_L+6D,B&B&A:UB(BJG1
M#IC.H9EYKL>%YKN&A@CI:T4\:2*Z^)O%^'/<*H70+04[R94Y;>/V%LY>H,'+
MK><*%3;/#[!34!96XZB@<$!O/K,M$5F'A=MR-OL79,[KTI:L!G(77?:QL*J"
M-T:`"KZK=K,CZN][';^_S_[NN&,1<@@%A:H%^!$^1L[Z!H"KV9-KO6D,/F%C
MGCUN+BWSR?["7>8K70MB'6,&_"M8IJ_PU0U)+>2G1$)L$]G27;K\]/,[=QUC
M;E*0;B;!5S<JR`85F]R1:U2QX)^N2C=FP-)7W9'9KVY4D`TJ^@MR-0LDC7>4
M@7LKL$$.`"SRPHB(('70F6L61H3V4W;O(PX-OW^U@[EE#"RSH-XFYWF-9KA_
M#ZN2(2;C7X>3&#R@K^D,33DX7]?#)'QLF;F"3@4ED-3FD''=FVI,2([^=DH[
M.VP4RO*AG$-+SBOQP4U--4CFO/Y4XP]N:*KAH;^F-:G#NB-HK<,ZA1@.VT/7
M]7'WW0)&1;9FVLH\,SZ5VE4M?I04ZK!I,Q6D:I6IQ7$.ITOPNV]$SEY-F39)
MM/L[_%@K;_/8G5T1-@?YJ;C&?\#=-$?$90K,R;M!L7!NYDYU<O$II%BRZU"$
MR&>R_3N."U-I'C[H:!B=#O9/1P)CWDF(-N32%EQ;OO-NHZR,I6OJI@(T`]#;
MNZ%=F@BE_J#P0M<)*[H2+1K?`F<QK<R&6&G\WL"D!5_C7ME"5XI'0B!&&&9-
MOO?1#8,[)(GNL5&!1FB31(35TF8@B,)A,6,A$)<]"IN1)M>7C+>:FL]O(V'V
M,&/M(VR+5.`J!\#:9P*P&68(64.:O)4@1&C[9Q:H`%#(A<8DG82T^3,R??*"
M(I-@<SVX-@%FLVUQH(C-7W>C*V#N\YI'8QH*#>"1@T/<[M4(07&4MJZ3N!9S
M=W+#0)!CC$00\`KUQ!!]5.<ON!<"?J%]@BD>2=R_L+AE7GD)K#\T<`]'].F0
M)!ZCR4A5"AQ:]/T!2M)GYV"0"]-M4\.\!;>\#F0\=11/[ZQ&Z?1T)2]$A718
MX%MFY!#RP@:7CD\6ZS5W)E@3[;Z&`)P*[F=UBY:P$?F7",72]&=6-23`7O8*
M_[]PRJDY)83P@.DAGRFU,K)L@?TN-T/*/A,2=^95#^5&]B43OL^#0BX<0K77
MRY%E,VB*$\7X"T4$6_40IQTX?26Y2O:6S;H"%[Q6@PQL?0,FI#!Z`-UB-1->
M\J1:M>&3Y1,YFOV">,P16N#IY]2A?X[JV;(@E^WJ]I&,N7<45-;9>0W@Z<91
M4SB5[2J-G&D&-L4X\`V9I>$:W5'H-J9BX@*TDED.U@*!O<ZY%E'MG2VQ<#9-
M37V_U"9V8?JW(%''!#<-OL*U$IV9)8P[L(U\VG&_-\U!]6&]'1?NK`3/F&ZQ
M:.W8HV:(AHEA%()BB3?FE-YFXXL3]HTZ&7P^1K,&],0\0Y=HVT:%W1\L?/UX
M?W1ZK.V,*_1Q&J.)V#]`Q<8;9@BTE)H,3]!5ZO1RB/\&1O>PVF)WK:6DUG.!
MT5K$B:-(]99S+(EIL.`UEQG%E\)-7PL!XEA[1U%D/@CL)?6S_,$Z'+B]3-%E
MC[?R@_`3H-D1GJ-"7KP;7ASEQY1L-.U]E$S?Z0G+QDB(1)8B`#*5DA^_9+N;
M&$0Z-KN,,+('5".XP)/)6$_AF=XM&]@E7;&FO+@*7LY+L.#E4J$6#-4,T#LY
MUZ_F@V(EHG?N4J:;P#K%#S/T]QT8HWOO0WDG>A1T!7HFK!Z!/XO29][N<W#7
M4HHKE>(S6_!J'@N_ZO=$D&:&8^GK.$2_/2]PTQUEP7&)1KN2W@=&*J+VJ$J%
M6D$UQPPE7IFR/M1#W%_C+N7HY@D.S*(:?^MZ8T2'GAX>G!Z`BXHAWA+Y4YN-
M*0+Z#$I?R`$I\&I]`E5F+T`5"%]\LZ>(%>'_ISZ*'LO49['E64?FZGACGE(<
ME,VF$KX1[OS2PX[N$8WE#->73!Q6[GUM"&%E%AW#NU4;1O7@^?O;:E=AJ*,F
MLL+J?+F)_/PANUKDY_Q6EY_?9]^.YM>V;.I.&U7-S`G",Z&DO^Y%L9?Z>=>M
MPU@8X<N1--,1IDX!Y0X:N2#&I6_DV3+?<P7-Q[,+:3C".JUXJ4KLF`.V/53/
M/U59YFK;[[P,WX-$5+";(_Z.H$,8W8!J@Z9C.!#MJ$,^VH#)Q0Q1I%W6Z,T`
MT5SY&-XH1*\;<D<VT,05G"%<=@6\9R_$Y-,Y39;2Y7NOI.69MJ>I/A&D4LZ:
MPG'4#R+:;6OF(KK'6GPG-+.@?&KI1O",4I(L!JZ9_X"-J\H%\ZH6%+55B/47
M\0?]Y&.T)<"%OL1*MX$?B:H8[.&G1,S)QJ/PJ03FR!L#Z12*4-8?"J@8.0(G
M>)Z)-8AK[;HR!\]/Z$TGQ83TWU$;*NO4L(`V-")LPU^('2'Z!%7&:.=DBB.B
MM;[.72J:FVH\[Y9M2*,.-P;NEM6,X1.MPTFA^XU2R"K6\.6:>+,&,R&AZ+%T
M/*AV@Z:H8N5Z,%]&*$1X@^61F'(7C=&H*/.?(G2%'>JO"W9CX`I;X@NXK\&3
M=E%]J+&=/K+".UK\*HV+G_.L-")BBU@0BB4:I?>4PQ'??#13K.&K=M-3S"L6
M_]C7C0#WW2A(#0=<05G.GEX:)WU:\307E*\89.>%U)<1Y45U/!*BL?B%Q*ZO
M!H_00]_EC@>QJ'SM<&8NYPRD*6];\6Q9"RJ?E0>N0=MRK:6\N>8:^R!_6J=Z
M4G$8L6_;IK5?(SN9<N.0JPQIL(:'KH%J88-V#[L2)^TMKTGB(&4N*7QUJ*=M
MR\`>SN$Q=KX"E9!FF)`X0[Q$<H'['F9$;)A%<`VS^[J_7-4>7S`*MJ8>8@6"
M]C@E`(RB6\ETY1125Z(CQ2N0*$>$6$A!(K.JF+`Z!EC<"Q<0,V<)OB8[H9%1
MB"\YJ']O[O$7;A,303)<!>C&BJC>*1NSFK;(G=U3CN?SZY_,;;:MW+^00*D.
M;O$OSF_;>PR75F:+.11^[E"=H/_2[`ZU]?<_>,[D'NOJXM;E21_"7OD/?,+.
M:)N#-8/NYR98I38A.](AXZ#;!YL.GF8"-K"^=$%7HF*;N.QTH,\EJ>ZEUYE=
MZ7+F$U]H,UC@?C\"7R!A[GUNSB]<(I>`N)2K.#5!*6M?4TVMCR0(;CO3HRYZ
M76)U+?0(1<`%Y.,QMTD:-RJQ,IDX%B-<RUU0A(#MNV6V3^09TXBG"0KOHVN]
M:BXYMYJ='GT'C`U1Y;E'4UT`.[GBX*=,TZ+YXXMSG*@NC"'P,+U_"85_@;-Y
M!@O6)LC9*PF(B%@!<1=!1&H6\SN6<L*RSTU!H3ZL1MA"]&A"?*K:]-+0[&^H
M$].>)ZK/([*D/5KY*-B$,;W%I!S!,[/?&ER#!5,TND%/;=R6Q@I9D<+VP5<C
M'-S=OP%OH:P-_>)5?1&O"HL>5[K@@L%\H`EY0Y9S#]2[8>6YK?S]]/35][<2
M67H-]1UF16+:!9U91<4TMH^^(NDKRW'5V:U,0"D#O%0U\&`ZU5`LGMP`2Q/0
M+MABQD9TM8^[-+DK2VKY&:W\Z>2D$Y5-<N!G3[BR9KJ-^Z/-0H>T[VY,`T;,
M<$[GOZX61/@8LF?62B&4X.QZAF*Z["#,#>.4=[@OX?F;(09?0;7V3O2EMA*J
M,G;!>M7+M%*@X=H(%SAGAR9#`AP2G'C5PDX?1/6:5LS`=4]+DL#2];A@6AI0
MV&'1:32-Y\>K6\17:=<Y&6I22I/L.PG7,AIE,&%B$#G#L\'GORM7XWWZ^6@\
M^21E'M56G[CW!.X@(I(T#Q>PGNZ>-:3`KKOBJ2(8R/AB));SGCV?\R;QN\7B
MZ<__`0``__\#`%!+`P04``8`"````"$`4PL$UB$1``"GR```#0```'AL+W-T
M>6QE<RYX;6SL7?MOX\81_KU`_P=!:8L&J$]OVW)L%V?=J0V07H.<BP9HBH*6
M*)L]/E222NP4_=\[R^>,^!J22ZZ<)(?<2;(X^^TWW\S.SE+R]1^?+7/PO>YZ
MAF/?#"=OQL.!;F^<K6$_W@S_=K\^NQP./%^SMYKIV/K-\$7WAG^\_?6OKCW_
MQ=0_/NFZ/P`3MG<S?/+]_=5HY&V>=$OSWCA[W8:?[!S7TGQXZCZ.O+VK:UM/
M7&29H^EX?#ZR-,,>AA:NK`W'B*6YGP[[LXUC[37?>#!,PW\);`T'UN;JRT?;
M<;4'$Z`^3^;:)K8=/,F8MXR-ZWC.SG\#YD;.;F=L]"S*Y6@Y`DNWU_;!6EN^
M-]@X!]N_&4Z3EP;A3[[<W@S/AX-PRBMG"R!^]Y^#XW_QF_"?S_[PV6?C?WW^
MQ3^^T;?__.[WV9]]]_EP%`^#;((/RFV^&9>:A1^'ED?1#&ZO=XZ-)G(!-`FV
MKC[9S@_V6OP,Q`#3$V^[O?9^''ROF?#*1,#;.*;C#GSP,LPO>,76+#U\QTHS
MC0?7$&_;:99AOH0O3\4+@3"B]UD&N$F\.`I'Z'><!X$FGM.E@$'F-!.OX#E9
M,"5-O%@^)^W?.7,B8RVJQVK#'QDKF$7YO*2-E=5%AL,V8R6^0N.XCP\WP_4:
M<LAD/!:T8H=U--AR-8;Q>AOL?-';S&;KV?I"ZLR(%K-^$P/.UC*IK!AP_?;B
M76]TRA^L:'91&NXK`D3`R671@-`MB>^+M?C3ATYZ7M"D>HRH([!,$G\0?FE^
MO#<LW1M\T'\8?.-8FBW(Q0M;\.[\=5F^:8P\NQ*W!4[$)1]\K%OYP`\X*N0#
MAX+??VL:CW98GGF'/>P`-JZQ]X48XFE-Y`\LW,T;7#ZGO'&[JW&#D/(@U@S3
M3/80LX6HLN&5VVO8SOBZ:Z_AR2!Z?/^RAQK;AIV7\,LH?%_%NQ]=[64R#2I-
MW@6>8QI;@>)Q%53V466U.G^_7KT/QD7(N"@*C*[7JXL.C+Z_6Z[D(UTME[*-
M3M?P1[+1MPOQ1[+1-?RWDL9IM+;.98%,[`U\0^S$QV\NELOEY>3\\O)R.9]-
MYO.`Y(=(T8:]U9]UL3F71E,6P0(0+&>7R_,I`!G/+X.A>D4P`P`7B\7E8K*<
MSN'_8/7L'H%L3A=#U5Y%"!1Y%2%0Y-5@,SB2D/FC2(&^F.)810@4>14A4.35
M"\D9&!J'BKV*$"CR*D*@R*M!K2PQ5J'?K-BK"($BKR($BKPJK?B,,O!2N5<1
M`D5>10CZ]FJ\K5K%A76V,I-6'T=CB2)^'33/ZHP5[!IAG_K@N%MH"\2G79,+
MV".&K]U>F_K.AQVI:SP^B7]]9P]_/SB^#\=HM]=;0WMT;,V$AZ/XBOC?DBOA
MH!'.%&^&_I.Q^02#D1Y6R$TX1%<C)%EO+G83\XOY^&*^F)Z'&S9)0UOZUCA8
MV=DE8^?J$F@4W%9/''%H)X-$<DA[J2/AA<A]S"L"5P>>9EX`FH@EP;Q"QAS3
M<P7N'-$5O#FB"YAS1%=PYPBADQ=<,9-;YP!GW,<.7J\OQ^.P?<L=I]P@`IZC
MF'P0Z)HLGY67Y#!:>4W=N4)^R<3&W53\":KCG)E67)&=9\4%.;.LN(([1ZJ;
MV+O$>-*Z$.DY!\D1W^3MS6#`0.&%,9ZC)!CE)W&T%!XNL=,=G2YSG'19E#7.
M$669Y;?;<5KSQG9+CEHZ<F432.#^>I5'/$BE^]"\"P8!#P?5$E0MNFE^%(7,
MM[ND=H)VY.WU\P[=T@/W68E[7L0=0^(A]/RCAZ&=\`F,5731M/"B@;;?FR\?
M#M:#[JZ#FZ^"(8)7Q=E"^NPN@)P^#TZ$+#UHJ`Y#,U^[CJ]O_.#FL.`TJ`C/
MK`#/)#+$P=-F_'G!^,`3FX\VXT/#+M>)P(O2\4%<[/%EZD'<!A>)&ER`15V&
M1R8":,O$",`)*A"(V_8B#D">*A#`=C=&``)-$0"<$E6TB0,X,TZ&!`VD0\+X
M70T).2:>)1FRPUD6I5\8OV26:Y)^6]&,\BT(/:49GI0`:#5D48I5E6*0VR'2
M4@K@20D%:UAUY2QYDZ*<KXP0E'0!0\H(I($R1N2I$N5<&#,%4,[(G<0Z!(E"
MI"+5$`".$@C($1-%ZR_T"Y.T/%&T`F,U*%J",02R!O<8$]@39(54A`'P*(D*
M)$BR8O1(`X*@*D,B-4Q5I4B,056.3%TQ594B$015&1)[0E6*Q!A4Y4CD"E4I
M$D$`1I1D2.P)52D28U"5(U-7S%2E2`1!589$GIAUG")'N&T:-E%1_W2R%(?/
M1;U'\%"\_S]VUO.NLI,Z*=HU@:WX\G#[%&X=P1G!9@KMI<4G)35Q.[UHG@Z>
M'-?X$7:9XA.3&WA!=X?B$[:^L<&O_.!J^WO]&?:BX8'=\Z[5!"LPI>-#*WLX
MJ#.X='Y:8&%XNH*(RID'N_K*SOR1,FAWNU(AE2!$=T<U!A$6JC$(?T<8I,M0
M4IC"*AE#9*M3MEPP30)/U'2&ETD1T3J;B9/QFLD#%O"?%YP6V6TBFZS*/(.%
M(WOPO/BJ`TCL34]).BBP9L>;M;+(6@?MU<HU`=.5C;.!^`B+:%Q7%PM815T#
MC<N;.G[M$U^62#A2'Y656GVB"VX;:IY/NW9N0%XMOH[[!R<;%AT#;106.+]T
MC(\9%J@*G?#1Y1<W:RCC1/:*=E+U<V+;8.F#TM,.EEQTV,>H`IB5TW6B/B;+
M,GR0^VB75J;!N^@,,E8H:W>?C2,IZW0/R!ME**P/2C64:OQ<+XGJ7#GC@A:G
MK+[AMLU6%&]/2JYD5*4`N(P"<_%^O+B6$[<&4,'6SVB-9,R=!=8Q9IVD97&R
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MK<W=22C!`)"'X,`L^M*"LO12.'-<]S,+D0*EJ((#`DV$B]BA-V9DMY:GF\\*
M=Y_`\$_-QTT6V4)^Q%W#900U*FR;(,1G7B0L3@<ACA2Z@X!X*B-1PHK$3?$X
ML@N7I$Q0U`]L5G+D@@8\23K"H$^59(RW6!09EJ67*7+Y[>FPOMYG.(KI[1YN
M6WII&:CBS#MWLUZDWK[ARJ6W>SFT*_6.:JONX;:EER;?DU1O\5K1/=RV]))H
MJ[54L);>MB48E:M\?,Q@PN4,7@K*V3O1<J8<=%EUP')Y0&GSC"_?QVU#A&0@
M^?!:ATC'^%J&2#FZ$PV1<M`]A4CALB)?@VU#A*04M4<3;6[PZ.%VM+9,$V6>
M/-.%$LXV]<J"JE'WA\LT7MLQ7JII>$9;*_4S5Z>S@)RPB\X`Q+?Q\)KJE//"
MU;U.BUWZX+C+W62IQ"W'_JO)&G=>8.:Z!MJ(2"2KKO$Q:XX"T7>-CIM9%,%C
M%>!$;611D5]=9+W9-"PZ!MHH+(27HR-,>JM7'T16[;-(]NN8O;9AT3&\^F%!
M*X#N6V7RXJ1OY(T"IW`]Z:$XS%*=&TG`8U)5X3BG_&8"_774AG29[.'V3EX$
MUN"9UJ\]'F\*C#G5-LW_:G=GU5]T4EP"]("\4<;`TB"K10\;]Y89HP+N*\D8
M=!;=GV[4SQ@4(>1INFL_M8P!BFY_(]CKWI\7E@'`#=]YA<T+W#_(QO");D2R
M0'/+$]8R))]&;J&/JR?L91*C&7CU4R'+]VU!_Q1+O@SWIY8>CPJJ[M,Y,_!8
MRLX6)?6EK:)GW#OIW-`L2'?P<KJ&JKU-$W_Y+6Z]4(B9L./HHI$2V%6VV'+'
M.QKR>="3SM4(=`VV:9)KQ"LS36!\(F4H:Q/6*'/P#=!J.@3DSLP$>:MSW4S$
M40U(Z!S45P0AFH19#]OO+-R$Z/`7A9=^QR>^!8H@K\6SU+*M,(&1NBV#CY-Y
MJ3JDHD8)@F1=`KJ'SAQW!>:QG-5O?9H;I67N-##M^,B?:/F$:"_`"R^CP@>^
M;[YLN\PFM%8W`1CK=56KW`9C0"2*@*PR>AH$>9!#*P&A=9_XJP(/*\UDLW@N
M'%R5XE6G'`\G9J6B!#BY)2AQXVO:5&&NCS952@\3&:44SHJ4?Z7(&;4)1MYW
M/L_&8U55)=#&']TNK*I>D^8+]V$R\EV\G6WQ*>Q"?%6'SNSU$S><)0#&2:0\
M8=,]#2LU-\6G>$5I#!LO,2A1E/,J;2%L"ANA_D6^'8;74;NC^^/-)ON5PE4"
M5"*YP(WU6KDCP*L8"BO*9P8?)ZX:E.4-2.TWJK)50G[5+K8R>3>9D'JL+U;9
M6A#[G9-!W5(+%0*F"VX#J3*5@"D5:T'<1E8B!"ZEDR+Y5A3E];-"J\JL,K<)
MPO/T7#&-,FW\/``SQ7TJ_`9P<Q,Q#K_"VQBRW<*>A,R-QU/A62Y>F!6_Z&D4
M=TP98Y$(JN,<3=-$!NXK$0E9:;+M?>G)+DMZTDBI>5]KW\C9=5)1//8-.$MU
M;A(\%;AMTX<2>BL9Q1F#(H1GIY'@L`!4PFT@`'*T2A(R3(3/+JNCQ@RGPH/4
M<GCUEPL6:"ZG(,:X%L9M27JVD>%4,>C@%U_'%3Q2+CQ\2+Z#4^Q6J!(XJ!L5
M%.P5`FND"#>3[$(5U-K^B-]H'M4UA+P,"%H/U!I\M-%-\]N==WLM'GST7TS=
M&VR<@_CME_/I$+T\L#5+OQE.Q[\=G`W>;@2MR=F44.?#P3!]PQ;?L#H#A)N#
MYSO67?AB]'N`DR%R;"7=OZE(R,@6**6NK22)3R^H+6CFU;65"'4&LT6X@)S:
MMI(OW9S!(VP+/%T75W+[P8QROV!R/\_SHVC,(5QBRAQ<V%;J1Y%:D1]ARG5M
MI7X$QV%;,.6ZME(_`D)D:PZ#U+65^A&\@&V!W.K:2OPXI]POF-R?Y_J1:G7&
MU"JVE?J1:G7&U"JVE?J1:E5,F<,7MI7Z$:QB[N$'=6VE?J1Y8L[,$QA7ZD?*
M_8+)_7%&I8J?,A4?6DE]!X\01Z*_RN$HM))ZC:I\QE1Y:"7U%]7WG*GOT$KJ
M*;"'9C2''_!GE/AH1MF=,]F]T[9QV4(%(]89#HR59FX.IN8;CAT;$HTL-"'Q
M(5&6I2=]\VFP@C4[,43C02RC'$/OG_>F9FN^X[X,[O5G/S%'G;Y@FON3XR0<
M40M3>,H!]&==VQKVXP!X"2M$JF%17M8QD\0"I6?"]%B,!JX.T5#]B:U.'31P
M=6B&)E51/W',?&GO#XF':"X52S?'Q%>&_4G?4N50AJ<`DF/I@W[P72W1'PVI
M*9.8#XYKI39HBA@/82-_7#-^<'P])E'<%H%B1Q3P'.!_/?B(1G$5,C)EYJ5[
MPS=3(,2$@,7!<>_XZ=2%(#$,IHV_:ZXMHH6$[I%&"V84E/YAQ7][O7W>)75_
MP+NO/9@ZW0\`45M]IQU,_S[YX<TP??P7?6L<+!!3]*ZOC>\=/S!Q,TP??V4\
M/OD0Q>!;2#=?>7[P[^#@&C?#_[Z_NUB^>[^>GEV.[R[/YC-]<;9<W+T[6\Q7
M=^_>K9?CZ7CU/W"_9=K>U?-D?C-\\OW]U6CD;9YT2_/>6,;&=3QGY[_9.-;(
MV>V,C3[R]BXD%>])UWW+'$W'X^5H.;(TPX;]#1BY\DQXEQM--@+_,7WM9HB>
MA/`%^A'`#_\.)C'RQ.;IHQCD]O\"````__\#`%!+`P04``8`"````"$`^V*E
M;90&``"G&P``$P```'AL+W1H96UE+W1H96UE,2YX;6SL64]OVS84OP_8=R!T
M;VTGMAL'=8K8L9NM31O$;H<>:9F66%.B0-))?1O:XX`!P[IAEP&[[3!L*]`"
MNW2?)EN'K0/Z%?9(2K(8RTO2!AO6U8=$(G]\_]_C(W7UVH.(H4,B).5QVZM=
MKGJ(Q#X?TSAH>W>&_4L;'I(*QV/,>$S:WIQ([]K6^^]=Q9LJ)!%!L#Z6F[CM
MA4HEFY6*]&$8R\L\(3',3;B(L()7$53&`A\!W8A5UJK59B7"-/90C",@>WLR
MH3Y!0TW2V\J(]QB\QDKJ`9^)@29-G!4&.Y[6-$+.99<)=(A9VP,^8WXT)`^4
MAQB6"B;:7M7\O,K6U0K>3!<QM6)M85W?_-)UZ8+Q=,WP%,$H9UKKUUM7=G+Z
M!L#4,J[7ZW5[M9R>`6#?!TVM+$6:]?Y&K9/1+(#LXS+M;K51K;OX`OWU)9E;
MG4ZGT4IEL40-R#[6E_`;U69]>\W!&Y#%-Y;P]<YVM]MT\`9D\<TE?/]*JUEW
M\084,AI/E]#:H?U^2CV'3#C;+85O`'RCFL(7*(B&/+HTBPF/U:I8B_!]+OH`
MT$"&%8V1FB=D@GV(XBZ.1H)BS0!O$ER8L4.^7!K2O)#T!4U4V_LPP9`1"WJO
MGG__ZOE3].KYD^.'SXX?_G3\Z-'QPQ\M+6?A+HZ#XL*7WW[VY]<?HS^>?O/R
M\1?E>%G$__K#)[_\_'DY$#)H(=&++Y_\]NS)BZ\^_?V[QR7P;8%'1?B01D2B
M6^0('?`(=#.&<24G(W&^%<,04V<%#H%V">F>"AW@K3EF9;@.<8UW5T#Q*`->
MG]UW9!V$8J9H"><;8>0`]SAG'2Y*#7!#\RI8>#B+@W+F8E;$'6!\6,:[BV/'
MM;U9`E4S"TK']MV0.&+N,QPK')"8**3G^)20$NWN4>K8=8_Z@DL^4>@>11U,
M2TTRI",GD!:+=FD$?IF7Z0RN=FRS=Q=U."O3>H<<NDA(",Q*A!\2YICQ.IXI
M')61'.*(%0U^$ZNP3,C!7/A%7$\J\'1`&$>],9&R;,UM`?H6G'X#0[TJ=?L>
MFT<N4B@Z+:-Y$W->1.[P:3?$45*&'=`X+&(_D%,(48SVN2J#[W$W0_0[^`''
M*]U]EQ+'W:<7@CLT<$1:!(B>F8D27UXGW(G?P9Q-,#%5!DJZ4ZDC&O]=V684
MZK;E\*YLM[UMV,3*DF?W1+%>A?L/EN@=/(OW"63%\A;UKD*_J]#>6U^A5^7R
MQ=?E12F&*JT;$MMKF\X[6MEX3RAC`S5GY*8TO;>$#6C<AT&]SAPZ27X02T)X
MU)D,#!Q<(+!9@P17'U$5#D*<0-]>\S210*:D`XD2+N&\:(9+:6L\]/[*GC8;
M^AQB*X?$:H^/[?"Z'LZ.&SD9(U5@SK09HW5-X*S,UJ^D1$&WUV%6TT*=F5O-
MB&:*HL,M5UF;V)S+P>2Y:C"86Q,Z&P3]$%BY"<=^S1K..YB1L;:[]5'F%N.%
MBW21#/&8I#[2>B_[J&:<E,7*DB):#QL,^NQXBM4*W%J:[!MP.XN3BNSJ*]AE
MWGL3+V41O/`24#N9CBPN)B>+T5';:S76&A[R<=+V)G!4AL<H`:]+W4QB%L!]
MDZ^$#?M3D]ED^<*;K4PQ-PEJ</MA[;ZDL%,'$B'5#I:A#0TSE88`BS4G*_]:
M`\QZ40J45*.S2;&^`<'PKTD!=G1=2R83XJNBLPLCVG;V-2VE?*:(&(3C(S1B
M,W&`P?TZ5$&?,95PXV$J@GZ!ZSEM;3/E%N<TZ8J78@9GQS%+0IR66YVB629;
MN"E(N0SFK2`>Z%8JNU'N_*J8E+\@58IA_#]31>\G<`6Q/M8>\.%V6&"D,Z7M
M<:%"#E4H":G?%]`XF-H!T0)7O#`-005WU.:_((?ZO\TY2\.D-9PDU0$-D*"P
M'ZE0$+(/9<E$WRG$:NG>94FRE)")J(*X,K%BC\@A84-=`YMZ;_=0"*%NJDE:
M!@SN9/RY[VD&C0+=Y!3SS:ED^=YK<^"?[GQL,H-2;ATV#4UF_US$O#U8[*IV
MO5F>[;U%1?3$HLVJ9UD!S`I;02M-^]<4X9Q;K:U82QJO-3+AP(O+&L-@WA`E
M<)&$]!_8_ZCPF?W@H3?4(3^`VHK@^X4F!F$#47W)-AY(%T@[.(+&R0[:8-*D
MK&G3UDE;+=NL+[C3S?F>,+:6["S^/J>Q\^;,9>?DXD4:.[6P8VL[MM+4X-F3
M*0I#D^P@8QQCOI05/V;QT7UP]`Y\-I@Q)4TPP:<J@:&''I@\@.2W',W2K;\`
M``#__P,`4$L#!!0`!@`(````(0!5V5-D,`,``-H*```:````>&PO=V]R:W-H
M965T<R]S:&5E=#$Q-RYX;6R4EEMOFS`8AN\G[3\@[LLAY(B25`VH6Z5-FJ8=
MKATPP2I@9#M-^^_WV4YI#)U);]I@/W[S?H?@;WW[7%?.$V:<T&;CAE[@.KC)
M:$Z:P\;]_>O^9NDZ7*`F1Q5M\,9]P=R]W7[^M#Y1]LA+C(4#"@W?N*40;>S[
M/"MQC;A'6]S`3D%9C00\LH//6X91K@[5E3\)@KE?(]*X6B%FUVC0HB`93FEV
MK'$CM`C#%1+@GY>DY:]J=7:-7(W8X[&]R6C=@L2>5$2\*%'7J;/XX=!0AO85
MQ/T<3E'VJJT>!O(UR1CEM!`>R/G:Z##FE;_R06F[S@E$(-/N,%QLW+LP3L/`
M];=KE:`_!)_XQ6>'E_3TA9'\&VDP9!OJ)"NPI_11H@^Y7(+#_N#TO:K`#^;D
MN$#'2ORDIZ^8'$H!Y9Y!1#*P.']),<\@HR#C3692*:,5&("_3DUD:T!&T+/Z
M?R*Y*#=N-/=FBR`*`7?VF(M[(B5=)SMR0>N_&@K/4EID<A:9@OOS_L2;+&?A
M;#ZNXFM'*L`4";1=,WIRH&O@.WF+9`^&,2B_'Q&$(MD[":LC8)9#&9ZVX6P:
MK/TGR%UVAG8:@M;OH(E))$,BBDPD'2*K-Q4?O'<!0%HN`Y"EB:#`]D#D(3.0
MZ$U>Q;K3R%*50`:?]!?2BP7#460ZLCN1,#B^R!:D-#2SL=,0E*=+Z=PDDE$B
MM1&&??B:RX3:[4MXXT(F.F?3E6EMIY&%;I?)/.R5.AG93_^_;]B&']*E[>OZ
M0!XR[4/V^YV@(;#1Q=C/_BB1V@@CC+D9ACW[$AYM'@W9[(\2J8TP["\^8E_"
M9O8'S:.1N6J>*`QZ[YI$;UMB2VV$X5S>U5>_""5L.H>^Z37V3D,6<\DHD=H(
MP_[J(_8E/-HW&K+9'R52&V'8A]O[`^E7M)G_0>><&?W>6<T&K7/>M\0G1PJ9
MI_<1;5^/#/I&K3$[X`17%7<R>I3C0`1]VZWJ4647QG"UP(C06T_"&&Z8X7H*
MHXU:][L#,%FTZ("_(W8@#7<J7,!7!=X"WC%,SR;Z0=!6W7%[*F"F4!]+F"$Q
M7&:!!W!!J7A]D--/-Y5N_P$``/__`P!02P,$%``&``@````A`*W!B$?+!```
M51(``!H```!X;"]W;W)K<VAE971S+W-H965T,3$V+GAM;)Q8VVZC2!!]7VG_
M`?$>0QO?97L4,-D=:59:K79FGS%NVRA`6X#CY.^WBKY`-S:.\Q*'JE.'/E75
M-Y;?WK/4>J-%F;!\99.!:ULTC]DNR0\K^^>_+T\SVRJK*-]%*<OIROZ@I?UM
M_?MORPLK7LLCI94%#'FYLH]5=5HX3AD?:1:5`W:B.7CVK,BB"AZ+@U.>"AKM
MZJ`L=8:N.W&R*,EMSK`H/L/!]OLDIAL6GS.:5YRDH&E4P?C+8W(J)5L6?X8N
MBXK7\^DI9MD)*+9)FE0?-:EM9?'B^R%G1;1-0?<[&46QY*X?.O19$A>L9/MJ
M`'0.'VA7\]R9.\"T7NX24(!IMPJZ7]G/9!&2J>VLEW6"?B7T4K;^M\HCN_Q1
M)+L?24XAVU`GK,"6L5>$?M^A"8*=3O1+78&_"VM']]$YK?YAES]I<CA64.XQ
M*$)AB]W'AI8Q9!1H!L,Q,L4LA0'`7RM+L#4@(]%[_7M)=M5Q97N3P7CJ>@3@
MUI:6U4N"E+85G\N*9?]Q$!%4G&0H2.!7D`S'@REQY]X42'H"/1$(OR*0P#AG
M8S*>X.M[(D<B$E!7QMT-=+CN.HV;J(K6RX)=+.A-4%:>(NQTL@`RF3_.H#)Z
M*Z&0221Y1I::"W)50A>\K<G8FRR=-RA=+$`^!\',:T`Z(I`(K!/R;DQ#V#(X
MH$#)@-2;,CQHINMM($>-0?JHO:$^(I]#VF,V$(%$J#%?8?5TUK`+F3>TFB[H
MC,=U81`T<CO18V^JC\'G(.@C50VC7H%$*&72<#,D[$-HNN"]C^O"H)4-R5-#
MABZ;&;HX:%HWX=/0'>GN@+M']?RM6TS#DZ8,=0.&;:\W;MZEB8%YTQ;3WW0(
MUD7,6L6OW^ISS.B6!NE6A9$&G'A/'0UM[TT-DT<T(-C48/2XSS%<PV1N5$$Z
ME0)I0`5&R<*V#]0U)=**,'U$`()-`<9K?8X112#>V)`@W4J"-#3=:4RHL`^A
M:<'326M1[F\H!'=FNY%PGX.@F]74,0872(32(PTW0\(^A*9GKNO!368$7=FO
M"X/T&I'1L)F!?*9PD.BRF=&#`?>2.720T@TD1G(VDJ0!&<D)^Q":4@*;3KMT
MGY-:1YE:/5?O.%^@9$<:[D"X[ZI5-+?E]D)TO;@AMUJU/C],\:QUI[J$[^3M
MQ7PZ,NKG"Y!0;$S00'CO"^:OZFG^4+WH6DYTP;AW?TDPW_3;@KL+/^$@T<^=
M95.X[RN6--?D\(U-O>D:1%>,F_J7%//3@*ZX4V)Y9*CWKJ$YP0/"_?<E2YYK
M>H3D/H@N&;?]+TGFYP5=LM&W/N$@7N31B.C3/!#N^XHE38_B/HBN&`\)+<7]
M2S/>L(RU>38W5E5?@/A)S'.-)340[M9)3%EZ!/$7@RRUGC>\NB`\-7Q>$#]C
M3.J;*M]92,<4=$V;KBG43/J8\`#0&A,NEGA+>?2RQ<\1[2;K;FH^W+JQ1A/8
MI%6NYFZGV11*[?M-H#3A#5YP@8E+XC=R?I7,:'&@`4W3THK9&6_;V-O*RK\$
M^/@E`(_=IGVX@#M4U_Y,)A`PN>(!:?*C@J/(X%)_B@[TKZ@X)'EII70/PW`'
M>`$O^&<!_E"Q4WWEV[(*KO/UOT?X?$/AMND.`+QGK)(/*%9]$%K_#P``__\#
M`%!+`P04``8`"````"$`;O85)\4$``!(%```&@```'AL+W=O<FMS:&5E=',O
M<VAE970Q,34N>&ULG)A1;Z,X$,??3[KO@'AOP!"2$"59+:#>K70KG4YWN\^$
M.`DJX`A(TW[[&S,.Q88:-B_=IO/W9'Z>\8S7FR]O>6:\TK)*6;$UR<PV#5HD
M[)`6IZWYW[_/3RO3J.JX.,09*^C6?*>5^67W^V^;&RM?JC.EM0$>BFIKGNOZ
MLK:L*CG3/*YF[$(+L!Q9F<<U?"Q/5G4I:7QH%N69Y=CVPLKCM##1P[J<XH,=
MCVE"(Y9<<UK4Z*2D65Q#_-4YO51W;WDRQ5T>ER_7RU/"\@NXV*=96K\W3DTC
M3];?3@4KXWT&W&]D'B=WW\V'GOL\34I6L6,]`W<6!MIG]BW?`D^[S2$%`K[M
M1DF/6_,K64>.8UJ[3;-!/U)ZJSJ_&]69W?XHT\-?:4%AMR%//`-[QEZX]-N!
M_PD66[W5STT&_BZ-`SW&UZS^A]W^I.GI7$.Z/2#B8.O#>T2K!'84W,P<CWM*
M6`8!P$\C3WEIP([$;\V_M_10G[>FNYAY2]LE(#?VM*J?4^[2-))K5;/\)XJ(
M<(5.'.%D#M$+NS-S5A[Q%N->+(RH`8SB.MYM2G8SH&K@.ZM+S&N0K,'SG0SC
M:%D_0P5&[N0K]]+X`HH*\O.Z(Y[C;ZQ7V-1$B`(4P9GX$,F*\*[@.\C]1IT_
M6!!P&S7LA1JU"UD=SL<]2+Y(#M)UY`""OD11A'V%Z\I.HK[$__`B8;B/8/!%
M4$#=;?1<6XXA0!$DM-WKA:P(1Q613B%AP-=TLZ'/`A=O3=BC-C+BN40.+D#1
MLJFD)\]=*J44HAU^MDX4O$BGD(*'`]@-GA^`\5+BBV2(U?(CQTWM!JB9(\/*
M5LSAW?PY@DXA(2P>0>"+5`1/20-J$,&UE2T.[];/"70*B6#Y"`%?)!-`)2G;
M'*!(9&'NJPQH7F"2R)(HA19U[<3I)%$*G\_Y3A/5'P`N[H6M])``12(N;[54
M,A/*]MX!B=`^?$"DT'TY]&GESQ?U$.9*\:!H.(3FA(2CBDBGD#`(=/]N"J9Q
M-*M&>ZE0Z4C&)9%6(K/PJ3>YG`C.R)&&*E184',R5QIN*.P:QD@KD0'X!.P`
M3$P&SLTN2+^I$A2)@^'X"^7@A$*@!4$?PQ(9A(_`7P?!P2F#*`<X(/?IRB]+
M3\15[&%K_[R[:B4R![`^P,%7]8ZYVF`)JD1&7-M?R7T@%(+A[1;7//0Q+)%)
M^%#L9$3?:OD=O4^@E$P@5$A`[+EB#X5].#H!,'E6$SX3.P`3SP9.TFY)P:Q3
M:B9H?&]-3:#AN"322N1D\.GXZRPX4Z'^V\L;L*@76((J+<NH)-)ZD5GXQ.RP
MC!06SE<E'TI3#8@TI7W/42!#(=!`1EJ)3,"'98=@8F7AB.V2#'1=%.$)<<A"
M`0V);DZ+$Z*32!S.0Z.\624WJ]ZM*1`BO`W.>T.P-7]4IG)?C+02&4.9XM/2
MX0Q.<[7G"I7(QZ)S+<6+E;#KZDHKD4&@-KIUI3\9\`PSH>4*E?@/WL(GZM`0
M`BT!?M.P!`GP00??.W):GFA(LZPR$G;ECS4$;OWM7_$A*8"'I.;5Q6H-\(YS
MB4_T>UR>TJ(R,GJ$I?9L"1V_Q)<@_%"S2_.XL&<UO.`TOY[AQ8[",X8]`_&1
ML?K^@;\UM6^`N_\!``#__P,`4$L#!!0`!@`(````(0!'G/QF7`0``-<1```:
M````>&PO=V]R:W-H965T<R]S:&5E=#$P-BYX;6R46%V/JS80?:_4_X!XOR&&
M!)(HR=4%:]LKM5)5]>.9@).@!1QALMG]]QTS+,$FM7-?=A/[>#AG//9ALOWZ
M7I7.&VM$P>N=2V9SUV%UQO.B/NW<O_]Z^;)R'=&F=9Z6O&8[]X,)]^O^YY^V
M-]Z\BC-CK0,1:K%SSVU[V7B>R,ZL2L6,7U@-,T?>5&D+7YN3)RX-2_-N455Z
M_GP>>E5:U"Y&V#3/Q.#'8Y$QRK-KQ>H6@S2L3%O@+\[%17Q&J[)GPE5I\WJ]
M?,EX=8$0AZ(LVH\NJ.M4V>;[J>9->BA!]SM9I-EG[.[+)'Q59`T7_-C.()R'
M1*>:U][:@TC[;5Z``IEVIV''G?N-;"A9N]Y^VR7HGX+=Q.BS(\[\]DM3Y+\5
M-8-LPS[)'3AP_BJAWW,Y!(N]R>J7;@?^:)R<'=-KV?[);[^RXG1N8;N7H$@*
MV^0?E(D,,@IA9OY21LIX"03@KU,5LC0@(^E[]_]6Y.UYYP;A;!G-`P)PY\!$
M^U+(D*Z3747+JW\11/I0&,3O@RR`?3_OS_S5DBQ#>Q0/&74":=JF^VW#;PY4
M#3Q37%)9@V0#D:6R$/+S6!E(DFN^R47=4D`+V(ZW/5F$RZWW!CG,>E",(#@"
M`\A7$<D4$00JA$XAZWL4#S0,0B`]NI#`*D0N4H4$]_"=UA@AJVXKI/A$'Z"C
M`851H#(RIU2"H2Q&V8JBM9J,&#&P2T-&0Q616!'4A%#8PV/&^32SE^"="XD8
MF$%!:.1B!$5=O?BAOUIIY)5Y$H3:/!W/DQ59S8?U"G$X46/BLJ+MA2`7301$
MPP.P%!`$-`:5FL3$BJ`FA"(C5&68\R_!MNI!C(F]%4%-"(5]]"/L)7B2?"VU
M,8+&])?:C9/8(70*N3]'$2"M6[L7[54D%TV$:&4<(V@LY$ZAJ[/$BJ`FA")C
MK<HP5Y$$VZH(,2;V5@0U(13V!"[P\2Z8Z7?H2?JUY,8]*L1K*%H0]9`GROPB
M"K1YVL\_SH#*7IK7#]<00<O3[E+="GK48Q98178(-4)4+=+D1EHL.X&6:'8S
M@B"C!"N$&J.H$J3U/2\!C1((#)?]`TLCB.J+:1XM%GHUC0$D6.JF2/L(C[.@
M\@?,F/]SQD;D*OU01'?K1&?K48]9].6$@0P0:HRB:I$V^/Q>H&E"*H>]F+X<
MR?=Q$&K@E]@AU`A1)4@O?%X".J>MG!"%Y406D68="?GT7_G*'03:U4:'Z7N>
M[A"5O/3!$?DG:PG=4Q41:1=D3$P>V]>2%4*-450MT@Q'6BQ7$UJGI99,_MI+
ML$(H,4%4"=(1GY>`_JEN@WZQQ-`/R_.`K]LD\/67)67>CP)M7O;3_W^>D#WV
MR]A.5JPYL825I7`R?I6]<``..XQBGQZ3#?13T!]KXPG90%LU':?0UW?CWK``
MVNI+>F*_I\VIJ(53LB,\:CZ+X/0WV)CCEY9?NL;NP%MHJ+N/9_@!A4$'-Y\!
M^,AY^_E%MO[#3S+[_P```/__`P!02P,$%``&``@````A`"[LY[:%`P``20X`
M`!H```!X;"]W;W)K<VAE971S+W-H965T,3`U+GAM;)2776^;,!2&[R?M/R#N
M"S@)Y$-)JC95MTF;-$W[N';`!*N`$7::]M_O&!."(37DIBWE\>O7Y^!S[/7]
M6Y9:KZ3DE.4;&SF>;9$\9!'-#QO[S^_GNX5M<8'S"*<L)QO[G7#[?OOYT_K$
MRA>>$"(L4,CYQDZ$*%:NR\.$9)@[K"`YO(E9F6$!C^7!Y45)<%0-RE)WXGF!
MFV&:VTIA58[18'%,0_+$PF-&<J%$2I)B`?YY0@M^5LO",7(9+E^.Q5W(L@(D
M]C2EXKT2M:TL7'T[Y*S$^Q36_89F.#QK5P\]^8R&)>,L%@[(N<IH?\U+=^F"
MTG8=45B!#+M5DGAC/Z#5#BUL=[NN`O27DA-O_6WQA)V^E#3Z3G,"T88\R0SL
M&7N1Z+=(_@L&N[W1SU4&?I961&)\3,4O=OI*Z"$1D&X?5B07MHK>GP@/(:(@
MXTQ\J12R%`S`3RNC\M.`B."WZO>)1B+9V-/`\>?>%`%N[0D7SU1*VE9XY()E
M_Q2$:BDE,JE%IN"^?C]Q)@L?^<&PBJL<50M\P@)OUR4[6?#5P)R\P/(;1"M0
MEBL+(#[75P9+DF,>Y*!J*-`<TO&Z13-_L79?(89A#3WVH8E.[/K$=-H@+AAL
M7,+:VR[-[B0,$;:MQMU\OFQTJQ4\*F;68@*=V)D(S1M,--Z;A#<V:#?>(')=
M<PI"2U^%MF/LH[>:*5C9>%,2[IH*/'W:1P69(F8B-'/PS8\W)^&A;"K&Y,U$
M:-Z"6[Q)N!NX7C85=,YF)ZR[C]YJIN:WF))PUU2`.ME4D"EB)D(S)YM<JX*8
M]Z:$A[*I&),W$Z%Y6][B3<+=P/6RJ:`FFTXGL+ON^\FEZ&G.$!39\6&KZ*ZW
MX"*MBEI-F2)G1'2#G<Y@SBM2M1QJ4U/8^D6WAHS^E,YU1/<G"_3H[PZI<CY0
M>&OJDMUNW]CUB."#CH5DF6[9DXUU.MQ857'7;;:FJ/.LJ.M!JI!=-?W&OH[H
M<02F;70@SY(>VL!(0=<GK_V9$-W?3=U"GLJ&-W%-7?+L=;M_G[AL-MW>30T#
M7>L8P:Q3G&O*&#\E=!W1#=[4/)`J^P/[V-0;ZOR:$-W?3?T#3OEC\JNH5GY]
M/<3RMB!U+@3J[F-U&5!GY0(?R`]<'FC.K93$L)4]9PY?6JFN`NI!L*(Z$^^9
M@"-\]6<"5S8"!V;/`3AF3)P?Y&6CN01N_P,``/__`P!02P,$%``&``@````A
M`!_J.;S[`@``Z0@``!H```!X;"]W;W)K<VAE971S+W-H965T,3`T+GAM;)16
M76^;,!1]G[3_8/F]&$@(2112-6'=*G72-.WCV0$3K`)&MM.T_W[7.*%`NB3E
M(0%S?'S.\87+XO:E+-`SDXJ+*L*>XV+$JD2DO-I&^/>O^YLI1DK3*J6%J%B$
M7YG"M\O/GQ9[(9]4SIA&P%"I".=:UW-"5)*SDBI'U*R".YF0)=5P*;=$U9+1
MM)E4%L1WW0DI*:^P99C+:SA$EO&$Q2+9E:S2ED2R@FK0KW)>JR-;F5Q#5U+Y
MM*MO$E'60+'A!=>O#2E&93)_V%9"TDT!OE^\,4V.W,W%"7W)$RF4R+0#=,0*
M/?4\(S,"3,M%RL&!B1U)ED7XSIO'(2;+19//'\[VJG..5"[V7R5/'WG%(&S8
M)K,!&R&>#/0A-4,PF9S,OF\VX(=$*<OHKM`_Q?X;X]M<PVX'8,CXFJ>O,5,)
M!`HTCA\8ID04(`!^4<E-94`@]*7YW_-4YQ$>39P@=$<>P-&&*7W/#25&R4YI
M4?ZU(.]`94G\`\D8U!_N^XX_#;Q@<IF%6$6-P9AJNEQ(L4=0-+"FJJDI06\.
MS,;9!/*Q.EJO_[,*'@W)G6&),%0[3%>P/<]+;QR$"_(,H28'T.H=4!^Q/B),
M@H8W[@P0$-RJABRZJM_?AZ,X`S;BCJPK.P#<K5I_(.04,1KU(?$I9/;&TA,[
MZHLU$8\@XO.BS:0(PR*M1F\\FO0UK"P(MJT%#1#KBXCX'*)G`Y:Y/G,#!IL=
M96$P2'!E,>?47T3$YQ`]]?"<7:_>@/OAA\%XD+W%>+.@*7?7<0>`=1\P=L+`
M[1[>EYNW>K'5WI\1./YXUCVFW1D]<Y./F#/@H;GAHVHQ'7/3OOOU)4!\!M"3
M'GY$N@$/I(=#Z19SE.X[_=3=T]C7'YX!K<;HN&X-Z]:V%OOF+9G<LC4K"H42
ML3-MPX<::D?;CG;GFU?68'P%G:[I"Z2]`9VFIEOVG<HMKQ0J6`:4+M0;1M+V
M*GNA1=V\[S="0X]I3G/XI&#PHG4=`&="Z.,%+$S:CY3E/P```/__`P!02P,$
M%``&``@````A`*H#Y3%I!```30\``!H```!X;"]W;W)K<VAE971S+W-H965T
M,3`S+GAM;)17VXZC.!!]'VG_`?&>@(%`B)*,&D+OCC0CC59[>2;$25`#CC#I
M=/_]E&TPV'1(STLNY5.'.E6%RUY_?2L+XQ77-"?5QD1SVS1PE9%#7ITVYK__
M/,^6ID&;M#JD!:GPQGS'U/RZ_>/+^D;J%WK&N#&`H:(;\]PTEY5ET>R,RY3.
MR057L'(D=9DV\+<^6?12X_3`G<K"<FS;M\HTKTS!L*H_PT&.QSS#.Y)=2UPU
M@J3&1=I`_/2<7VC'5F:?H2O3^N5ZF66DO`#%/B_RYIV3FD:9K;Z=*E*G^P)T
MOR$OS3IN_F=$7^9932@Y-G.@LT2@8\VA%5K`M%T?<E#`TF[4^+@QG]`J09YI
M;=<\0?_E^$8'OPUZ)K<_Z_SP/:\P9!OJQ"JP)^2%0;\=F`F<K9'W,Z_`S]HX
MX&-Z+9J_R>TOG)_.#91[`8J8L-7A?8=I!AD%FKFS8$P9*2``^#3*G+4&9"1]
MX]^W_-"<-Z;KSQ>![2*`&WM,F^><49I&=J4-*?\7(-12"1*G)8'OEL0)YIZS
M"):<9<+3;3WAN_5<]D^?\/-:/XCQ@[#'CI:0S;.X2YMTNZ[)S8#6!&'TDK)&
M1RL@Z](G&&1"[^43$LE(GA@+YX)446B"URWR%HNU]0J5RUI0)$#PXO4@%1%W
M"%8FQKO3#<G`8($"*0,RK\MPH9<^[H(N:N:D1NTZ:D21@`QCUA!QAY`Q?\#J
MJJS)&!+VM(HNZ`M=E_]0%W."/AXFVEOX:@R1`$$?R6IHB+A#2&6=X:Y+,H50
M=,%S=5TH8&_H@Y(QOXT)^9-1!_Y24R8P`6]#WP_5U5BLHM`?<"#/T6`[`8-/
M^2`M/<D40M$*HG2MCWN3.:E"D>=J(40"-!%DW"%D#3O#?5U3"$479%#7];@W
MF=/#WA2@*5T=0NKJ#/=U32$478&J:WH/86"U3H$?J"T7"8S/&W+F+/5-)A;K
M?$B*;6_HX+B!5O9DN.S:H2T?I\A@)YS!SCXM@X%U&?I[)3"M#.0&VOX>B_6!
M#-7!#CT9*)>9=`YL7LR6]AT=X>_H8&!-1X#4QT8"XXDQI;WW<;<H&ZLS\*&F
MH9/AXJPONU('!/OUYPO!T;J"?CCPQ$4M2$C0RA3+12E!6KB&/DQ1A7NKJ@@V
M>`?=Q,X)CS<Q),:ULET'VC",6E#;5QY:]GW``XQ;P*"Q%!?D(BT%B;+NN/<Z
M"[$YK(GR8/N;?E6XEUXAK;6C%B2&T`P%2']96L!0E#@5"!=WX8WJ-%SW;*]O
M:[52;`8/1#T0(R:V'_#S+#MS16ADBL>FW=B4*"8U)C8K!S%UW?.[ITPQ<H?M
M-)[<$=PVV![@P^XB9W=H]]EJFTJB^M=D9&(WEY8+4$*2N(F(,W2)ZQ..<5%0
M(R-7=LM@KZ2TBAM0Q&Y`++VZW5G!X7%L?T(N.+@?K("T[C)E23*XS%S2$_Z1
MUJ>\HD:!CQ"&/0^@CVMQ'1)_&G+A9]T]:>`:PW^>X=J*H>3V',!'0IKN#Q,K
M+\+;7P```/__`P!02P,$%``&``@````A`/11-NMY`P``9`L``!H```!X;"]W
M;W)K<VAE971S+W-H965T,3`R+GAM;)Q676_:,!1]G[3_$.6])$Y(`@BH"E&W
M29LT3?MX-HD!JTD<V::T_W[7-B38K!3V`DG.\<FY'W;N]/ZEKKQGP@5ES<Q'
M@]#W2%.PDC:;F?_KY^/=R/>$Q$V)*]:0F?]*A'\___AANF?\26P)D1XH-&+F
M;Z5L)T$@BBVIL1BPEC2`K!FOL81;O@E$RPDN]:*Z"J(P3(,:T\8W"A-^C09;
MKVE!<E;L:M)((\))A27X%UO:BJ-:75PC5V/^M&OO"E:W(+&B%96O6M3WZF+R
M9=,PCE<5Q/V"AK@X:NN;,_F:%IP)MI8#D`N,T?.8Q\$X`*7YM*00@4J[Q\EZ
MYC^@28Z0'\RG.D&_*=F+DVM/;-G^$Z?E5]H0R#;4255@Q=B3HGXIU2-8')RM
M?M05^,Z]DJSQKI(_V/XSH9NMA'(G$)$*;%*^YD04D%&0&42)4BI8!0;@UZNI
M:@W("'[1_WM:RNW,C]-!DH4Q`KJW(D(^4B7I>\5.2%;_,20=42<2'42&X/Z`
M1X-HE*`D?5\E,(YT@#F6>#[E;.]!U\`[18M5#Z()*!\C,SZZ6-\*%6)4(@]*
M16M!%`+J\SQ'PV0X#9XAJ<6!M#`DV!,]R68LCPR50:6;GSP(P'#G&G+ANHZA
MJO^NQ]&D6F2;C"/;P.*<XC"6YXPXMD7R<\JX5['"B/\G#+5HYL-+^C0.X]3V
ML#`D*&A'<AC+=QGY)885!KSF]FJH1;`/3AQFB>-Q83B7HGB7D5]B6%'`3CR-
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M/'Z&J.L]X]P,.V86J`G?D"6I*N$5;*<&&00]V3TU0]9"#5EZ3.H`F'%:O"'?
M,-_01G@56</2<)#!V<7-E&1N)&OUAW?%)$PW^G(+TRR!3WPX`/*:,7F\47-8
M-Q_/_P(``/__`P!02P,$%``&``@````A`-+@%[/D`@``$@@``!H```!X;"]W
M;W)K<VAE971S+W-H965T,3`W+GAM;)Q5RV[;,!"\%^@_"+I'[X=M6`[B!FD#
M-$!1]'&F*4HB(HH"2<?)WW=)*I+L!$G<BVUY9V=VEJOE^O*1M<X#$9+RKG!#
M+W`=TF%>TJXNW-^_;BX6KB,5ZDK4\HX4[A.1[N7F\Z?U@8M[V1"B'&#H9.$V
M2O4KWY>X(0Q)C_>D@TC%!4,*'D7MRUX05)HDUOI1$&0^0[1S+<-*?(2#5Q7%
MY)KC/2.=LB2"M$A!_;*AO7QF8_@C=`R)^WU_@3GK@6)'6ZJ>#*GK,+RZK3LN
MT*X%WX]A@O`SMWEX0<\H%ESR2GE`Y]M"7WI>^DL?F#;KDH(#W79'D*IPK\+5
M-@Q<?[,V#?I#R4'.?CNRX8>O@I;?:4>@VW!.^@1VG-]KZ&VI_X)D_T7VC3F!
M'\(I287VK?K)#]\(K1L%QYV"(VUL53Y=$XFAHT#C1:EFPKR%`N#3852/!G0$
M/9KO`RU54[AQYJ5Y$(<`=W9$JANJ*5T'[Z7B[*\%A0.5)8D&$O@>2,+(BQ9I
MF&;OL_BV(F/P&BFT60M^<&!J0%/V2,]@N`)F[2R#_KSN#"SIG"N=9%(!+>$X
M'C9ADD=K_P%ZB`?0UH+@%1A!$\('];$$D#TM(7ZW!)UT7$(\T9LJMQ:R,"<[
MUXO_1T\G%2Y0CF["),Y.+%M0,@--B"/+`#G?LDZ"R9FQY\OTI`*+^4`%,'?S
M"MX^;PW6YO5)1T&8G(C:<&[#23*%CSQGYRAJ\$SQU*8-9U8QRA9C04>*^3F*
M&CQ3G`[.#I,-#XIY.LW:D:)>^+.WZ>VN:O!,,1]-6$4;'A07P7(,'RDNSU'4
MX)GBU#:K:,.#8A('KRO"HCW#I$%KS?F+D\<CM54>4':$P@2NMQ%@W=K5;#<7
M(Z(F7TC;2@?SO5Z[(0S"^*^]$K9P)43FU1\#L)%[5),[)&K:2:<E%:0&7@[C
M*^Q.MP^*]V:S[+B"76Q^-G#W$MA\@0?@BG/U_*!OC?$VW_P#``#__P,`4$L#
M!!0`!@`(````(0#8M\W*2`,``*,*```:````>&PO=V]R:W-H965T<R]S:&5E
M=#$P."YX;6R4EEUOFS`4AN\G[3\@[LMG0DB4I&I`W2IMTC3MX]H!$ZP"1K;3
MM/]^QW9(,%E(>T,"Y_7+<XZ-?9;WKW5EO6#&"6U6MN]XMH6;C.:DV:WLW[\>
M[V+;X@(U.:IH@U?V&^;V_?KSI^6!LF=>8BPL<&CXRBZ%:!>NR[,2UX@[M,4-
M1`K*:B3@ENU<WC*,<C6HKMS`\R*W1J2QM<."O<>#%@7)<$JS?8T;H4T8KI``
M?EZ2EG=N=?8>NQJQYWU[E]&Z!8LMJ8AX4Z:V56>+IUU#&=I6D/>K/T%9YZUN
M+NQKDC'*:2$<L',UZ&7.<W?N@M-ZF1/(0);=8KA8V0_^(O4]VUTO58'^$'S@
MO?\6+^GA"R/Y-])@J#;,DYR!+:7/4OJ4RT<PV+T8_:AFX`>S<ER@?25^TL-7
M3':E@.F>0D8RL47^EF*>047!Q@FFTBFC%0#`U:J)7!I0$?2J?@\D%^7*#B-G
M.O-"'^36%G/Q2*2E;65[+FC]5XO\HY4V"8XF$Z`_Q@,GB*?^-+KMXFHBE6"*
M!%HO&3U8L&K@G;Q%<@WZ"W#N,M,<IUROI0HY2I,'Z:*\(`L.\_.R]B>SR=)]
M@:)F1]%&B^";.(M,1=(I9`6E;]I[X`+PB1IJ,:0.85;_/Q\=I!QD0H:!";"Y
ME`P4R:4B#$V3]%(R/[L8:81F&N/X4@P+IU>^V!N66&M@'D\ECDRXY*8B'5,8
M]/":_B2,TTOQR@[4V@@\?PBNPS,5GOGG<JEED.@H7*^EE8XI#&CXWMX/+<4]
MZ*E9RXT.3Q1T%`^AN^AUZ#&%`1U]!%J*>]"#!;#1X2-T,$@IZ:+7H<<4!O3L
M(]!2W(.>#2JMPQIZZOMF-.FBUZ''%`:T/+%[V^'XFI;B'G1L8FUT6$.'T6`>
MDBYZ'7I,84#//P(MQ1+Z_-[8&ZR"C=9$>B.?A\-ZZ_#8YSBF,-#AU#8*+L^?
MVSNY&F4F`>?-,(NCZKBI1(,M)S'#\6"T["=DH?3H*#J'-;_N%?116F.VPPFN
M*FYE="_[`!]*=WJJ>Y2-[%%4EW$*0(O0HAW^CMB.--RJ<`%#/6<&^P+338:^
M$;15Y]:6"F@.U-\2FD$,)Z3G@+B@5'0WLHTYM9?K?P```/__`P!02P,$%``&
M``@````A`-A$WYC&`P``S0X``!H```!X;"]W;W)K<VAE971S+W-H965T,3`Y
M+GAM;)R7V8ZC.!2&[T>:=T#<-WO(HB2M3@B+U"VU6MTSUP2<!!5@A)U*U=O/
M,4XEL8DP-3<DV)]_[-_G>%E^?:M*[16UI,#U2K<-2]=0G>&\J(\K_<_O\,M,
MUPA-ZSPM<8U6^CLB^M?UWW\M+[A](2>$J`8*-5GI)TJ;A6F2[(2JE!BX0374
M''!;I11>VZ-)FA:E>=>H*DW'LGRS2HM:YPJ+=HP&/AR*#`4X.U>HIERD165*
MH?_D5#3D0ZW*QLA5:?MR;KYDN&I`8E^4!7WO1'6MRA;)L<9MNB]AW&^VEV8?
MVMU+3[XJLA83?*`&R)F\H_TQS\VY"4KK95[`")CM6HL.*_V;O4AFNKE>=O[\
M4Z`+>?BOD1.^1&V1?R]J!&;#-+$)V&/\PM`D9T70V.RU#KL)^-EJ.3JDYY+^
MPI<8%<<3A=F>P(#8N!;Y>X!(!H:"C.%,F%*&2^@`/+6J8)$!AJ1OW>^ER.EI
MI;N^,9E:K@VXMD>$A@63U+7L3"BN_N60?97B(LY5Q(7>7^L=PYE-[(G_"17O
MJ@+?_?]=\:\B\[N(:WC.9#H;,2"3F]-Y':0T72];?-$@?F'XI$E9-M@+4&8F
MNS!5STT&=UF;;ZQ1UQ1H`H'QNK:]J;\T7V$ZLRNTX1`DXPUR1&+;)UQ71(+^
MER2179^01<(^(HE$?4(6B?N())(,$2;8??,<@NKSGK-&HN>NU($-1[J4[.9I
M*Q<$?1&8N*GH^6X,%#Z%9J)2-`:*QT")`A+LA5Q]M'<XE!G,;&7K!XOM#2]X
M,%$N".0F.[D@E`LBN2#^*+@GAVU[$]&^Y"ET3S-AT+#$C!\T@R'/'U(3PF`N
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M"(X3E@'P`6/Z\<)N/+>+Z/H_````__\#`%!+`P04``8`"````"$`B:".*]P#
M``#D#0``&@```'AL+W=O<FMS:&5E=',O<VAE970Q,30N>&ULE%==CZ,V%'VO
MU/^`>!_`$,B'DJR&T&E7:J6JVFV?"3B)-8"1[4QF_GVO<4ALLT/8/,P$.#X^
MY_I>[LWZRWM=.6^8<4*;C8N\P'5P4]"2-,>-^_W;R]/"=;C(FS*O:(,W[@?F
M[I?MK[^L+Y2]\A/&P@&&AF_<DQ#MRO=Y<<)USCW:X@:>'"BK<P&7[.CSEN&\
M[!;5E1\&0>+7.6E<Q;!B4SCHX4`*G-'B7.-&*!*&JUR`?GXB+>_9ZF(*79VS
MUW/[5-"Z!8H]J8CXZ$A=IRY67X\-9?F^`M_O:)87/7=W,:"O2<$HIP?A`9VO
MA`X]+_VE#TS;=4G`@0R[P_!AXSZC588BU]^NNP#]2_"%:]\=?J*7WQDI_R0-
MAFC#.<D3V%/Z*J%?2WD+%ON#U2_="?S-G!(?\G,E_J&7/S`YG@0<=PR.I+%5
M^9%A7D!$@<8+8\E4T`H$P%^G)C(U("+Y>_?_0DIQVKA1XL7S($(`=_:8BQ<B
M*5VG.'-!Z_\4"%VI%$EX)9F!^NOST`L7,8J3QRR^4M09S'*1;]>,7AS(&MB3
MM[G,0;0"YMZ9TG'S^IE5\"A)GB7+QH5T!Q<<SN=MB^)POO;?(*C%%93^`&0B
M=CU"1E#R9MH-'P3?5$,L=-4_/H=>G`1+<3UKJFX`]TUM:`D9(J+(A&1#R/+.
M8HB-3+$RQ+-/DZ<7+1=!FF@:(:(+4T.J0'!L-R.)B=@]1&1C",,&;#,]YA*\
M<2%&-V6+>&EJ2Q5&5X]0/#-!NRF@[`'(L`&1GVY#@BT;B:4P51BTC%7>>^'2
M_/SV=,^++JMWYHK`=)Q]]M1PD?R,"PDV72`TB\UM4P723\/.I8>(;`QAR)^;
M\J>5A%STL"04:,S&0T0VAC!LR/ZNO3S'7T,2;)["(K8/06'NN;2`1J]]T#"7
M[!5),L!D)B;TT.+S##7\+7_&GP1;_A(KMU.%Z?T%7A0$L:[%>L'M!O@H3+1X
M!,A,XFR`CX/[>]NPAF`(F'YV'=HT!R5D%4AZ18TEWV-(-@HQ/<CVJ.7?M#)"
MJJD^:"U7U*@7130"R4993"^RGVI>QFL)J>YK]A>[F*Z@/MM"+[!>S8-*V0V6
MA`L]W8)A`6;6DLA+S)J-]%U,R[+U3K>L&K5A>5!?,`3+(NPM0X&%$=(+S.K!
MN^&">#[7+5N]2X[9U@YQ.--WN)>P,JN&:C5SUI@=\0Y7%7<*>I8#<PA-\W;W
M-LP_AW)8L^ZG<LB7]_W;`YBQV_R(_\K9D33<J?`!*`-O#BV4J2E=70C:=I/N
MG@J8KKNO)_@UA6'$##P`'R@5_87<X-+_/MO^#P``__\#`%!+`P04``8`"```
M`"$`"]/`3V\$```!$```&@```'AL+W=O<FMS:&5E=',O<VAE970Q,3,N>&UL
ME%?;;J-($'U?:?\!\1Z@N=NR/0J@[(ZT(ZU6>WG&N&VC`&W1)$[^?JLI&ZAV
MQB%^2&SJ<#AUIU??WNK*>.6M+$6S-IGEF`9O"K$KF\/:_.?OIX?8-&27-[N\
M$@U?F^]<FM\VO_ZR.HOV61XY[PQ@:.3:/';=:6G;LCCR.I>6./$&+'O1UGD'
M/]N#+4\MSW?]375ENXX3VG5>-B8R+-LY'&*_+PN>B>*EYDV')"VO\@[TRV-Y
MDE>VNIA#5^?M\\OIH1#U"2BV955V[SVI:=3%\ONA$6V^K<#O-^;GQ96[_W%#
M7Y=%*Z38=Q;0V2CTUN>%O;"!:;/:E>"!"KO1\OW:?&3+C$6FO5GU`?JWY&<Y
M^6[(HSC_UI:[/\J&0[0A3RH#6R&>%?3[3EV"F^V;NY_Z#/S9&CN^SU^J[B]Q
M_IV7AV,'Z0[`(^78<O>><5E`1('&<@/%5(@*!,!?HRY5:4!$\K?^_[G<=<>U
MZ856$#D>`[BQY;)[*A6E:10OLA/U?PAB%RHD<2\D/JB_V%W+C0,6A)^SV*BH
M=S#+NWRS:L79@*J!9\I3KFJ0+8%9>>9!?%#'X.O/7`4?%<FC8EF;4.YPNX3\
MO&Y8X`8K^Q6"6EQ`R0<@BDBO"!5!Q9M-+M@@>%`-L9BJ_C@/5W$*K,1=61.\
M`-R#6E<3<HOP/`K);B&+D86(];XB5H$A!1-ML<_HHQ/$0+8&_2%%I)\BLGL(
MHAX>,S_4"KPV(32#LMC7`I<@)NRKQ%O$7J2YEQ(`\T(VQA6K8@IP@\B-H\%]
M(AUZ:[YT!=:E^P-O_^`$,2B=.:[O:R6>$D#HNWKJLBD@B(-H)"#*PZ\H5V!=
M^<B+RA&#RA\\/QPCUMM38F>!XU#/,[3[?=(>HF`T$]G15V0KL"X[IH]-$'.1
MS1SX4$!*`%&TB/5:(0#B&%&N-O5D#-X?*`JL*9]$!`..&%3NQY'G+S3E4\!'
M;9`1`&T#(GWQ%>D*K$O7^B]!#$I7[15H'9Q.`2R,0E?KDXP`("G1""#2&6R:
M^6'OT?ILU/*=7$`P(H81I`_'SR'970AU0:VHV97#<*'='Y`7T*)O-M?R/57W
MPT=S."5HSW(T>Z;9V=ABU`^US^;[@=N/^C$F&5N`(0C]\"RF=P"QNU:DE5FF
MV2?O$U2Y6F7SE>/BH\KU:<D0A,J9%6L=DFIV;9AF/S53W6J-S=>-2X_J'G-Y
MB3B"4+</[Z+:S&%3>V#Y-\*G=F:-9BI<+;'YPG'E$>$WTU*]3,-<NI9\X"^F
M'\W-5$/?;Y",H$F#4*_4BIOO%2[$J5?PQJM-FH0AZNK6;3XTN]8A&;G?F]8A
ME:Z6W$3Z]27^_A:#`]/M+M"F1W(!H0>.%6L]FNIV6G#J4#;FU;&"L9'0`3QQ
MX8&DYNV!I[RJI%&(%W6:<F$"#E>'D]ZCJ][DM>N).@&JZ_9@@`/8*3_P'WE[
M*!MI5'P/E(X50:FU>(3#'YTX]<>@K>C@Z-5_/<)1F\/Y`Q2;QEZ([OI#/6`X
MO&_^!P``__\#`%!+`P04``8`"````"$`PQI]TQ`%```5%@``&@```'AL+W=O
M<FMS:&5E=',O<VAE970Q,3(N>&ULG%A=CZLV$'VOU/^`>+\00\B7DEQ=0-M>
MJ96JJA_/+'$2M(`C8#>[_[YCQDGPP#5L]V$3XN.3.3-C'\?;K^]%;KWQJLY$
MN;.9,[,M7J;BD)6GG?WW7T]?5K95-TEY2')1\IW]P6O[Z_[GG[974;W49\X;
M"QC*>F>?F^:R<=TZ/?,BJ1UQX26,'$55)`T\5B>WOE0\.;23BMSU9K.%6R19
M:2/#IIK"(8['+.6Q2%\+7C9(4O$\:2#^^IQ=ZAM;D4ZA*Y+JY?7R)17%!2B>
MLSQK/EI2VRK2S?=3*:KD.0?=[VR>I#?N]J%'7V1I)6IQ;!R@<S'0ON:UNW:!
M:;\]9*!`IMVJ^'%G?V.;V)O;[G[;)NB?C%_KSGNK/HOK+U5V^"TK.60;ZB0K
M\"S$BX1^/\B/8++;F_W45N"/RCKP8_*:-W^*ZZ\\.YT;*'<`BJ2PS>$CYG4*
M&04:QPLD4RIR"`#^6T4F6P,RDKRWK]?LT)QWMK]P@N7,9P"WGGG=/&62TK;2
MU[H1Q;\(8HH*23Q%`J^*Q/.=N1<L5Y]A\17+_,["/,=;!2Q8C,?BHJXV37'2
M)/MM):X6]!Y$7E\2V<EL`\RW_*":>\9^E##(E"3Y)EE:+LA%#55^V[-@MMBZ
M;U":5(%"!,'*>H!T1'1#R#I(WKCS@0L!WZ.&3-*H?>B-X:K>@I23]""72SV`
ML`_Q=$341_B^#HG[D/6#19,!)?V\##D)VK"3QI4?Z"&$B(%ZWE--BA&-(F(3
M0E,!7]-582Z"!.]L2-$],L;FC(2/H&7;2*M'[MJ>B+J#_DJ?&7<'V2,K6KRP
M<*?'*\$DWF!&VP9!"XQW)O_TL"($0'!WU:0>L0FA1;_0HY<+=@Z3S5F7DWHJ
M2.Y"!+%U@`N82,!1DP030I.PU"680Y?@7NAK/;@00=W@&`OF.BCJ@V@13`A-
M@3P>='9-LP()I@H8Z9`009J"@)%U$?5!5($)H2E8ZPJFM9&<I&\]+&!D?88(
MZBHA04:CB-B$T&0PV/6G5Z)%]TI!]N]0H7`Y^^N5OZ1U4`B#QM@(T25(DYO<
M3`PM4=M``T9:/50H0X#1."0V0G0-TO,Z&J:U$T.G[%K90#\IE%$+$AD@L9%%
MUR*-CV@9/UPPM$M2EX<#M=X5*A2V%AP`O8`T7Z001BF3G9D!35>*>9]JT;W5
M019OJ%!K-`FG+T!^)WB2P>L4Q3!$KX6TQ4XM1@2@B9(:4+.6QW\($`4$SI+4
M*%+CP]&I8RE2#$-T`=(4.P+DPIC03&BE1`CU:X8H%`(_!7I"3(:LA)@@NA#I
MC43(^+F#H:,2(=2]%:J;3A9XQ"&C`13IS=@(T>5(H^S(&6DLM%5=AD=<(60F
M\\6SZS@D-D)T#=(E.QHF;KKHK6.;KLF!E9912,Q,$$V+1WQ\VCII9_5V++(.
M0H52FZX_FZU)WT0*T6U``HF-$%W*I_S<&_1S\NVA0MTVW<[O2:R%&C<*P"\:
MAN@"H,^[?65>&YY$]VI`-UV%0@&^XU';4^/#T>%>983H`OZ7@WM##N[1TZU"
MW39=LI5%:MBH8[)]P\685HB)BT+.H@6A"0];;MVF8<\EY\AH`$5:4][>_=CO
ML2QX.X?73@6O3CSB>5Y;J7B5-V\,3A+W3_%6,(1;P?8*S;T/P*7<)3GQWY/J
ME)6UE?,C3)V!>]M6A==Z^-"(2WO'\RP:N(YKWY[A^I7#;=+,`?!1B.;V("\.
M[Q>Z^_\```#__P,`4$L#!!0`!@`(````(0#AA%`85@,``)X+```:````>&PO
M=V]R:W-H965T<R]S:&5E=#$Q,2YX;6R4EEUOFS`4AN\G[3\@[@LX@7PI2572
M=:NT2=.TCVL'3+`*&-E.T_[['6-(,*24YB*$\/KE\3F'PUG?ON29]4RXH*S8
MV,CQ;(L4$8MI<=C8?WX_W"QL2TA<Q#AC!=G8KT38M]O/G]8GQI]$2HBTP*$0
M&SN5LERYKHA2DF/AL)(4<"5A/,<23OG!%24G.*X6Y9D[\;R9FV-:V-IAQ<=X
ML"2A$;EGT3$GA=0FG&18`K](:2D:MSP:8Y=C_G0L;R*6EV"QIQF5KY6I;>71
MZO%0,([W&>S[!?DX:KRKDYY]3B/.!$ND`W:N!NWO>>DN77#:KF,*.U!AMSA)
M-O8=6NW0U':WZRI`?RDYB=9O2Z3L])73^#LM"$0;\J0RL&?L24D?8_47+'9[
MJQ^J#/SD5DP2?,SD+W;Z1N@AE9#N`':D-K:*7^^)B""B8.-,`N44L0P`X-O*
MJ2H-B`A^J8XG&LMT8T]G3C#WI@CDUIX(^4"5I6U%1R%9_D^+4&VE32:U"1QK
M$Q0X_B28+S[B,JU=X-BXS$:[N'I?59CNL<3;-6<G"VH/R$6)526C%3BK^/AO
MQ@<"H];<J4754E`+2.KS%OG+^=I]ADQ$M2B\)EIT1+LKHK.-"XAG3HA=EW,*
MU7`]CPVG6F1RSCL`85^"_,7BS%#M=]<73<X*@Q(BV*8<IE-BJ"?;:D>Q<^M0
MB_R6:':^M88;4AAP8#(>3HDW-FR\#;<T;QUJT:RJ@`GR/,^\OM/7X?ML<H$W
MT*#BQJ,I<0<MZ-XZU*+YFVCZ^@BTV4?0E+B'ALRHA%J$ED$%YSE>8`IV6C""
M;?X1-B7NL5WJN"JF4(NNWUJ7FU9<"ZR14?4";?65X2=!B7MH4S,JH18-H6E%
M$]C`@8)L?]"7FXNG`;LT8543?+^YJ$4]:+\#K45#T%K10'O.Y1DS$!$TNW9`
MQS%6JWJ0G7H+:]4092UI,"\E;4)VWB;#64>Z^1L]!OD].*T:A!N2F("JDX\N
M2Z3[_CL=NE8-`FJCZQ(34'7S\8"Z]QL1#+Q+<O0S#?.5JM0F=]!P.@HU@2G%
M$)^>L/3H4.(#^8'Y@1;"RD@"3XOGS*&A<CU?Z1/)RNK5NV<2YJ+J9PIS,('Y
MP7-`G#`FFQ,UP9TGZ^U_````__\#`%!+`P04``8`"````"$`9_;%'OT%``"1
M&0``&@```'AL+W=O<FMS:&5E=',O<VAE970Q,3`N>&ULK%G;DJ)($'W?B/T'
M@O?AHHA"M#W1BGC7C8V]/-.(2HR(`?3TS-]O%F4BE46+L]']('HX=3(K,ZN@
MLI^^_DA.RO<HR^/T/%1-S5"5Z!RFN_A\&*I__^5_&:A*7@3G77!*S]%0_1GE
MZM?GWW][>D^S;_DQB@H%%,[Y4#T6Q<75]3P\1DF0:^DE.L.=?9HE00$_LX.>
M7[(HV)6#DI/>,0Q;3X+XK'(%-WM$(]WOXS#RTO`MB<X%%\FB4U"`__DQON2H
MEH2/R"5!]NWM\B5,DPM(O,:GN/A9BJI*$KKSPSG-@M<3S/N':04A:I<_)/DD
M#K,T3_>%!G(Z=U2>LZ,[.B@]/^UBF`$+NY)%^Z'Z8KI;TU#UYZ<R0/_$T7M>
M^Z[DQ_1]FL6[57R.(-J0)Y:!US3]QJCS'8-@L"Z-]LL,_)$INV@?O)V*/]/W
M610?C@6DNP<S8A-S=S^]*`\AHB"C=7I,*4Q/X`!\*DG,2@,B$OPHK^_QKC@.
MU:ZM]?I&UP2Z\AKEA1\S254)W_(B3?[E)/,JQ44Z5Q&X7D7,GF9U>OW!KZAT
MKRIP115;ZYN&T^T_[HIU%8$KBIBW^=R9`Y@H`P'7ZT!+&_1ZECU@UN\,M*\#
M846A1>=F\<$(.E<1N**(=9O['>M06]<$LM+AR;%NYN^-K%(/7]#HKWMN8O+-
M6MZ<6N@>C(")F6-?T)V>9EJ&S2KQWD0P=:SNJQ#<RD\>JO-%4*XI+RB"YZ<L
M?5=@HX)(Y)>`;7NFR]1P-7&):GU]M+Q@73&5%R8S5*$@8.7DL"=\?S:M@?VD
M?X>%'%Y)(TZ"SSJI+Y+&#4HBPT,&6]K,^(0"/@?@\XZA*8ZJD41#,V2@H3D%
M%A184F!%@34%-A38U@`=LE2E"LKN,U+%9%BJ<%8C!&J!L`8#,19C3@+7JI!V
M1(8GRQ#&!!EHV9=%H6J(Y:E,(KJS5L8<+7_H_0(9Z-NR5735REBW,C9H]D/'
MML@`QX1J@+WG,ZJ!R0C50($Q!^J9AR0Y)/DXZC8/TW(,D31!$L;8;Y`VK9XX
M:OH(:?8(:8[V:TY*YA9(0B>7CTBO&DED_UL_0MJ@?<%)HK1%$BT*>)!\1E$P
M&:$H*##F`'\G8GNP1QD3"OATR!2!VDREPIHUD1Q3+)$YVJHK.6276""I2FRC
M-*G951.)5O^ZB42=W*#]>TYND403"T]F(;'-+[OX-&9L>*VM;=:P&KMBT$:<
M!`:K'9U4V;B5X;4R)LC`J/L(?&AVVLJ8M3+FK8P%,M"Q)0(?.K9J9:Q;&9M6
MQA89M`3@K5LH@?)-K<_..!\<?;`:V,"A"L^1*M%0#1:I!DXRG5[Y\F9H!MF&
MQVT$3R*09\0$"7"M>=(A-!]IE2=DM4\YX4[ASMHDYFV$!1+@6O/5(4%9<MH=
M5U:MC#6:JN9+C&Q$0E\SQ+_^Y`O9ZK8X`J[-W@MO$GU26/?W%L:6JHGL'"-.
MNA.7<2O#:V5,D(%+V$?@-FOBV)0S>*@MHV^3^S/QOF.0XIP+]TW;(H^+!7J`
M+BV%`1W+(&^W*^&^X=#[:^&^:7>)0QOA/NB3X]26W[?*CDK],,&Z8?5SW_VD
M,_90M?NW0X.$C"7$DY")A/@2,I60F83,)60A(4L)64G(6D(V$K*M(\*Z@<Z%
M$,+_>71F,G1!T4UQQ$DV^%(MZ$&7%-^X(F'U>1(RD1!?0J82,I.0N80L)&0I
M(2L)64O(1D*V=43(`&L%?48*2AV:`[K9CZXL,0DT4^,;J\J"#$UDR)>AJ0S-
M9&@N0PL96LK02H;6,K21(=;>+?>#LHG`,\+;M;RUE$39(1I'IU.NA.D;:\6:
M-KQ65##O$V\Z+AQN(4@4[[IPOFG`+1=>CV7\9>#"&I7QD>-"Y33@IH$-:F(9
M.M<O31;&I@L])EEIRCK=#?BHXXZ:=+R."ST06<?KNG`V;L`M%XY1,C[ON-"O
M:,"[+AQ?&W#+A=,/X'HU86B(7X)#M`ZR0WS.E5.TARP9&FO\9KRESG\4Z:7L
M$;ZF!;3"RZ]'^-='!$<^0P/R/DT+_,$,5/],>?X/``#__P,`4$L#!!0`!@`(
M````(0"U_]L&3`0``,P0```8````>&PO=V]R:W-H965T<R]S:&5E=#$N>&UL
ME)C=CZHX&,;O-]G_@7!_@**H8]23`3*[)]E--OMY7:$J&:`LK>/,?[]O*6!;
MW![F1@5_/'V>MU_6W=?WJG3>2,L*6N]=Y`6N0^J,YD5]WKM__?GR9>,ZC.,Z
MQR6MR=[](,S]>OCQA]V-MJ_L0@AW0*%F>_?">;/U?99=2(691QM2PS<GVE:8
MPV5[]EG3$IQW#U6E'P;!RJ]P4;M28=O.T:"G4Y&1E&;7BM1<BK2DQ!S\LTO1
ML$&MRN;(5;A]O39?,EHU('$LRH)_=**N4V7;;^>:MOA80NYWM,39H-U=3.2K
M(FLIHR?N@9POC4XS/_E//B@==GD!"439G9:<]NXSVJ9H[?J'75>@OPMR8\IG
MAUWH[:>VR'\I:@+5AG[B^/@'*4G&20X]YSJB1XZ4OHI'O\&M`!IA'2`:8?\.
MS3R'HA5_;$;]/#3YTG7;;ZV3DQ.^EOQW>ON9%.<+AY8B*(.HQC;_2`G+H!N@
M+2^,A&I&2Y"`5Z<JQ'B",N)WZ:[(^67O+E9>M`X6"'#G2!A_*82DZV17QFGU
MCX10+R5%PEX$WF^]2.`MPVB]^8S*HE>!]UX%(6\31<O59CW?R[)7@?=!!6S9
M@_BR*%V]4\SQ8=?2FP.C'6*S!HNY@[8@.!17EF(L]_]5&\HL1)Z%RMZ%:0J%
M9-#E;X=@Y[]!IV8]$4L"7D<"Z40R$*('A6BJW/#![6@9PJJ6'X^#P9F`A;-!
M-98W5".A861*+'0BG1++D="L0D>K5D5U%S!K[);%0\`II8I&]:XRL22@N\9B
MKG0B^2Z1V@@M`S2C9K![%_#>A?J,SM:ZLU@2JO>-3B13PDB7V@C-.TRJ^=X%
MK'M_TIW%DE"](V.<)U/$-&\C-/.KSY@7L&X>&1,LEDC43<\E6BV,=(G\7DUG
M6K<1FO7U9ZP+V+!N3,E8(JHU9,S)9(J8[FV$YE[\W%#61/N(%[#A_KX8R.DJ
M$<V],:.3*6*ZMQ&:^Z?/N!>PX=YH.):(YMZ8T\D4,412&Z&Y1[`\SB]^1QO^
MC>4D[ADM@#GT'S!F`BNB1Q`;U^SQ@^0VIRZ9H;&HQ#VC1@B-V9T\8"819%.J
MS!W1(X@=;GX$N1]J$<P9C"2CMAV:4_@!<_?7_R:8RMP1/8+8X)0(\_9>)+=%
M+8HYG7M&C7+WT-E,>F35K;5HL]XLT<88EZE51H\"3:E1[`L2$K0^)T)CN8E[
MQAI!REB0M%=9=RDC!+]B5^M[2WH$L>LIO?&="'*/U'K!*'$LC@`04_47FNO2
M`\:02:V('D'L?O,CR+U2BV",@!A-]]-IA"DSB6!#]`AB"YP?06Z86@1CX8SA
MM&CVPL)8O9('S"3"5.:.R`CRK"C/+A5ISR0A9<F<C%[%V0_!&!SOCH?9_I0Y
M?@''P@:?R:^X/1<U<TIR@D<#3YR]6GFPE!><-MW)Z$@Y'`B[CQ?XUX#`J23P
M`#Y1RH<+<8P=_X<X_`<``/__`P!02P,$%``&``@````A`/E@+N9;"```/"P`
M`!D```!X;"]W;W)K<VAE971S+W-H965T-C@N>&ULG)K?;Z,X$,??3[K_(<K[
M-AA((%';U8+9NY7NI-/I?CS3A+1HDQ`!W>[^]S=F'.(94T/NI;ME/@S^>L:>
M@?K^X_?C8?:MJ)NR.CW,Q9TWGQ6G;;4K3\\/\[__^OPAGL^:-C_M\D-U*A[F
M/XIF_O'QYY_NWZKZ:_-2%.T,/)R:A_E+VYXWBT6S?2F.>7-7G8L36/95?<Q;
M^+5^7C3GNLAWW4W'P\+WO-7BF)>G.7K8U%-\5/M]N2UDM7T]%J<6G=3%(6]A
M_,U+>6XNWH[;*>Z.>?WU]?QA6QW/X.*I/)3MC\[I?';<;KX\GZHZ?SJ`[N\B
MS+<7W]TOEOMCN:VKIMJW=^!N@0.U-:\7ZP5X>KS?E:!`3?NL+O8/\T]BDX6K
M^>+QOIN@?\KBK3'^/VM>JK=?ZG+W6WDJ8+8A3BH"3U7U5:%?=NH2W+RP[O[<
M1>"/>K8K]OGKH?VS>ONU*)]?6@CW$A0I89O=#UDT6YA1<'/G+Y6G;76``<#/
MV;%4J0$SDG_O_GTK=^W+PSQ8W2TC+Q"`SYZ*IOU<*I?SV?:U::OCOP@)[0J=
M^-H)W*&="/_.CY=BN1KWLL`1=0)EWN:/]W7U-H.L@6<VYUSEH-B`9Z4L?%<9
M2%+W?%(W=;<"W4`XOCT*?Q7>+[[!'&XUE"`$2Z"'?$JD-A$$%)$VLF9>,AN!
MP2Q[/PL0VJN%.>1J`\B&X3A>U*J;J-J`C2%!).[BI68HY1<DOY`9%\@0@_\S
M1'43))4QUY!97C\'7=02A$(#6E$B'27D*)&Y""(4!F+&PAT#!3_,8<[Z9`H]
M-OH$F:C+Q\!;,7-JFL.8WRW1##_[)S`'F8L@RF#]3%>F8*XLHG%)D%EURJ+8
M\V,6VI0`8A4LU]2#1,"ESD40=:M;U"F8JH/%R28V0>@B+PA"!J0$\(4PEG>7
MVA(!ESP70>1%M\A3,)47"D&G/D$F[((7"[;!I6A%[6(9,^7R<O/[6>DBB##5
MC!@[O7N]*9@+XYL>,CCTM;]FNE/3++QU?-V2,69H=\7,11!IZUND*9A+8U%)
MD-%1\83':EM*[/XR8MHEL8<KG_G/B'T=&?E,=`FH3=-CUM%4F1`AWTLTY9CW
M=!R1XTCF1*A,5<*-U%1-R'A9%ECXH=[T._9`T=.44RXZ<B!RW$OF1*A<5?H-
MN>Z5*+!1<)<^#9D2EFR]I1,8.<"P'2ES(E2G:@6FZ\3&@>JTDA<AO3!]6)EL
M4TH%(:!4^HR0FC#GRM*(3H81JA&8&S0JFJU0NQP*I%PB"3$H$@GXV2\.2Z0+
MH2)5;S`]D-A)D$!:15&]/<%,F..S$W:<D0-^+)VVFRM"=:HF8;I.;"FH3I9L
MB4`(8^G'(2\DU+Y<7T>&15+;S7EB2.9$J#[5*TS7AYT%U<<*62(0>E\?L0_H
M(_;`*(2=_HSX#^!EMV^NJ#+5*AC*)E80;#!,A5!!KH_HAI`(5QO2(>DX(L>1
MS(E0N:I_N%TN=AVPM_5[PE#!1,J1<:D81>0XDCD1(M>_J0WJ:+K)VN^*&L*\
M#3R/%TMB#Z,URWNI[8Y9RIP(U<?Z'W=#X&.[8F9MZ/%"J2'4%WKQBK]9I(0(
MHGC)W[JD)IP:7:T3U0CC-5-V1*.B:0P'WAM]I+1(>"VTWD$($<1!$/`78TTX
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ML\J0^H00T3)FS;O4A"/<F1,A&M4'#S-UW1H[FFZN`P524PZ1E!@2J0F72"="
M1=[4Z00#G8[U)JDA<WQ6PDY@Y`!SS4:L)$Z$ZE0M@[$/C013T328=J4,$,)8
M0JQ9)4BYG:6SU'9SGBQ]^(AAA.J[J=$)AAH=7BDU]+X^=-+;+7W4'K'YR:A_
M\5ZA#$#]#9%3-(T<%$I+&E+#\XIOD-UCZ?<0%ATYCF1.A`:0M3K3"F6`W0S,
M=-^Q#KQ!:LHI%QTY$#GN)7,B5.Y-[4]@MS]VH=00_EUGQ3X:I,3*_^@C>^MU
M'EFT,R="M;&>9V2OP18%5GH?0OOM,4!(K[5E[+&,3BD061ZD!AP!SIP(5:@:
MA>F[*;85IL*ATHA4+Y$?7T@#`D2ASS84J0&G1/0QC%")-W4XP4"'8Q=&A#!!
MK?R\&*]IP*NFU$\9'KVNB+:;:R(3@>%-[4U'TWW5KH@:T@(#_@F'FOEI"-F;
MKS-P'3JJ<R)4W4U]33C4U[`EEFCHHHZ-+:5F6QT^0M\=L<XU(W?[QED(JDKU
M`Y/778C=`UMWEBRD'$F5:D<.1(XCF1.A,E7G8,B<5@M#[#=&:J&F'%K2<42.
M(YD3H7)A,*9<=[T(%<U7(MM-$@V9*OENDDY@Y`##\CYS(E0G:W%&=&)'8F;O
MP(YS:5O4Q[AUQ%K05!V<@[G"11?Q#EWV9L>.<_$PA%!U-W4T<#C2CJ*U-!'"
M`U0#ZDSS@#K3+$)A;3G$'AM;$NK"PY=X-O%8U,]%6AP.S6Q;O:J#E6I.^ZMX
MZ#,1F\17)^[8]51LX/B=?5V*C1RZGL'AT>[ZHG<$9S?/^7/Q>UX_EZ=F=BCV
M,`3O+H+HU'CZ$W]IJW-W,/"I:N'49O??%SBE6\`)0.\.X'U5M9=?U/G2_MSO
MXW\```#__P,`4$L#!!0`!@`(````(0".,:;YO`(```0'```9````>&PO=V]R
M:W-H965T<R]S:&5E=#8V+GAM;(Q576^;,!1]G[3_@/Q>/@M)44C54'6KM$K3
MM(]GQQBPBC&RG:;]][NV4PK)E.4EP?;QX9QS[<OJ]I5WW@N5BHF^0)$?(H_V
M1%2L;PKTZ^?#U1)Y2N.^PIWH:8'>J$*WZ\^?5GLAGU5+J?:`H5<%:K4>\B!0
MI*4<*U\,M(>56DB.-0QE$ZA!4ES93;P+XC#,`HY9CQQ#+B_A$'7-"+T79,=I
MKQV)I!W6H%^U;%#O;)Q<0L>Q?-X-5T3P`2BVK&/ZS9(BCY/\L>F%Q-L.?+]&
MUYB\<]O!"3UG1`HE:NT#7>"$GGJ^"6X"8%JO*@8.3.R>I'6![J*\S%"P7ME\
M?C.Z5Y-G3[5B_T6RZAOK*80-93(%V`KQ;*"/E9F"S<')[@=;@._2JVB-=YW^
M(?9?*6M:#=5.P9#QE5=O]U01"!1H_#@U3$1T(`!^/<[,R8!`\*O]W[-*MP5*
M,C]=A$D$<&]+E7Y@AA)Y9*>TX'\<*#I0.9+X0)*`^L-Z[,?+-$JS_[,$3I$U
M>(\U7J^DV'MP:."=:L#F"$8Y,/_;$5@QV#L#MEM`K((JO*S!P/4J>('LR`&T
M<2`X^2,HGB/*4T22C)``A(WJP/-4G<D]@>J=5VDVS54F1PHV#K*T^1IGY61B
M)@`BF0HX_V(#!H$3YTFZ'(W9"#<.<SW!9'-$>0XQTP8DEVLSX`*!S;$J4+IT
M_NJ-`RUL9=-E-%\MIZM9LAA79Z+@/$]%758QL^E$W%$N&P>*;E(K+_3#CS-C
MHRU/`!]5GTG,YA+/U]2`3Z1]>'=%=2"7VS(]UC5=C<(P/`K.=1UW*3F5#2UI
MURF/B)WI*#&X'6==L]M$.1Q@Z#)'\R4T03L?C`O0A`;<T"<L&]8KKZ,U4(;^
M`J*2KHVY@1:#O3%;H:']V,<6OC84KD;H`[@60K\/3*,<OU_KOP```/__`P!0
M2P,$%``&``@````A`(+O*."K!0``X!4``!D```!X;"]W;W)K<VAE971S+W-H
M965T,C4N>&ULK%C;CN(X$'U?:?\ARON0.$"`"!@-D.R.-"NM5GMY3@<#41.,
MDG0S\_=;%5_B2YKN'O5+ISFI.J[C*KL<+S]_K\[>,ZV;DEU6/AF%OD<O!=N7
ME^/*_^?O[-/<]YHVO^SS,[O0E?^#-O[G]:^_+&^L?FQ.E+8>,%R:E7]JVVL2
M!$UQHE7>C-B57N#-@=55WL+/^A@TUYKF^\ZI.@=1&,9!E9<7GS,D]5LXV.%0
M%G3'BJ>*7EI.4M-SWD+\S:F\-I*M*MY"5^7UX]/U4\&J*U`\E.>R_=&1^EY5
M)%^/%U;G#V?0_9U,\D)R=S\<^JHL:M:P0SL"NH`'ZFI>!(L`F-;+?0D*<-J]
MFAY6_A>29%'H!^ME-T'_EO36:/][S8G=?JO+_;?R0F&V(4^8@0?&'M'TZQXA
M<`X<[ZS+P)^UMZ>'_.G<_L5NO]/R>&HAW5-0A,*2_8\=;0J84:`915-D*M@9
M`H"_7E5B:<",Y-^[YZW<MZ>5'\6C&0D7XQFP/-"FS4JD]+WBJ6E9]1\W(H**
MDT2"!)Z"A$Q'\^ET$L^1Y8[G6'C"4WB.^]'O^$V$'SRE7SR:SL(Q`95O#1LL
M.^WPE&%/1M%\2J8QLMP9/A:>\!2>47A7<,"GO<OB+F_S];)F-P^6!DQL<\UQ
MH9$$V&3Z^-@JH2_E$Q*))%^09>7#FH94-5"$S^LYF2R#9RB<0MAL7!MB6FRE
M!58)TNYL(+6!3`,"4*1D025\@"QD05DRH(T$>IV1I4%:2)>=#:0VD&F`H0%J
M\@,T(,O*A[]::J9FT!MN$\\TH]@TV2H3)<Q!4@?)=,30!NOF`[0AR\J/[]>=
M,+HG3IDH<0Z2.DBF(X8X6+NZN.&M4"X=-.XTR+$W`EEHV9@3.Q_*2+KM'"1U
MD$Q'C)!AZ;\]9#0V0Q:(&?+,*B%EI$)VD-1!,ATQ0H:$ZB%W.U<(:^F=6Q?2
MF&(X,H-6J"V9N25&&2DQ#I(Z2*8CAA@\#EG;\`P:RKO5((^IAB.6FH6E1ADI
M-0Z2.DBF(X8:J`-=S?T%@,9FR!PA8[7O;@4R4<C.L4D=FTRW,>(CD%L]0-[U
M1GA6:$]E\;AA_,@Q$/@8NIOH>4AB!M[Q0B>-H6C[VHE":[8U,S7?`UBJL)G2
MG2D,.I\V1-]*3:'8'ZVZ@J/1.X7R)@O;K(QV0SA$8EAO6A1C6Z@TZU.Y>\'5
M.BVDRDS7+NG,4?L6;&K'OJII'T@FG+)4-M':RB:'2#SI3C23<!;;NS"1)KI`
MB4FW16AM'NF`6Z8PC.EY'8["ODN;NK"IOEV7:,%Z\CC4ZUJ$]GX`:P]G@\2Z
M+HD)7?#2<DL'W#(-TTOE)7'85#5QVLI\)7^B&^LZ.:1TPC_.2I0FNDZ)"9T1
M)-ZLZY1(D]XMTS!=9U\Q9A*Q$_^43M'"=9T<4CHA8*O@MOA%YN2SQ_2`':V]
MF5S^F4:GN_:CFEJQA5M:8_C,`N)7<BIZOZZ50[!89#!;HB!<-Y_ZG5!\0ZC7
M>JA]Y9JA8H.V0AW/\<OUM5!Y9S?V2`X9H2JH"[7?N$2HZK46ZKBO63-4[+Y6
MJ&)6WWD"(KR/&[&KUJY'8DWM5CC"V4(F8^="J0ME!F2JPIYMJ2)DTA7+>V7Q
M]F_(XI!Y&!I;:=@29=7+<J#4M<H,R)`%-S".K&CZ$^>[CLAL4P*R1-FMN+=2
MHEPH=2&\/,*M@R>9B^*70?P:H:+UD6[I^=QX!7O"BQ[8'-9+!?-;J,TL@;,O
MC&SC\R3K5K>-$W@!53+@01;P9C'T)@KE59?#%B8[.#BY;'#$2O"HX;Z!>[,O
MW2;C<,'P`_:;"`8?PL<)?`4/\$^`?RBDS22!+TO783--X/-M`(\3^$8"/%"1
MPOW:-3_2/_+Z6%X:[TP/D):P6T,UOZ'C/UIVA73!=15KX6:M^_<$-ZD4KEY"
MK,T#8ZW\@0.HN]GU_P```/__`P!02P,$%``&``@````A`"XQC/&]`@``>@<`
M`!D```!X;"]W;W)K<VAE971S+W-H965T,C0N>&ULC%7+;MLP$+P7Z#\0O$?/
MQ+8$RX'3(&V!%BB*/LXT14E$1%$@Z3CY^^Z*M2`_DO@B2*O=F=E9:K6\?58M
M>1+&2MT5-`XB2D3'=2F[NJ"_?SU<+2BQCG4E:W4G"OHB++U=??RPW&GS:!LA
M'`&$SA:T<:[/P]#R1BAF`]V+#MY4VBCFX-'4H>V-8.50I-HPB:)9J)CLJ$?(
MS248NJHD%_>:;Y7HG`<QHF4.]-M&]G:/IO@E<(J9QVU_Q;7J`6(C6^E>!E!*
M%,^_UITV;--"W\_Q->-[[.'A!%Y);K35E0L`+O1"3WO.PBP$I-6RE-`!VDZ,
MJ`JZCO.[C(:KY>#/'REV=G)/;*-WGXTLO\E.@-DP)AS`1NM'3/U:8@B*PY/J
MAV$`/PPI1<6VK?NI=U^$K!L'T[Z!AK"OO'RY%Y:#H0`3)#>(Q'4+`N!*E,23
M`8:PYX(F0"Q+UQ0TG04W\RB-(9ULA'4/$B$IX5OKM/KKD^)!E,<:I-TSQU9+
MHW<$Q@W9MF=X>.(<@/>:/,*H\C61H`Y!UHA24#BGP&_!V*?5(IHOPR=P@__/
MN?,Y<!USXC$C!#6C))`QE73>GCTS)B,SVH52[GQ@2I.<ITD/:;#S%&;Z-AT6
M0=ZDB46T&/&]`I]S/<F9C1D'C4+*Y8UB<D%G;WOLDRZ@A@,SI<;FDQD>NW?Z
MQ[I!Q>BWC\3@W#C7192=;WAVRIJFR06T6'A(ZR/Q=,Z+.#I/.S^EC3,X)V^/
M&JL..7WDB/.50XP[^^B[2N,L>-=@K#MD]9$CUE?.=';*FJ3#.GFG62P\I/61
M(]KTR&"_Z_Q"4<+4XI-H6TNXWN(>2V`3C-%QQ:X3_%B/X]?Y>EB]X?@"5E_/
M:O&=F5IVEK2B`L@HF(.%QB]/_^!T/ZRQC7:P](;;!OYQ`I9!A'Y76KO]`Q"'
MXU]S]0\``/__`P!02P,$%``&``@````A`+NB6>(/!0``MA$``!D```!X;"]W
M;W)K<VAE971S+W-H965T,C,N>&ULK%A=CZ,V%'VOU/^`>-^`@4""DJR&!-J5
MME)5==MGAC@)&L`1,).9?]]K;(,_V#0/\Q*2P[W'/CZVKYW-U_>ZLMYPVY6D
MV=IHX=H6;@IR+)OSUO[Q=_9E95M=GS?'O"(-WMH?N+._[G[]97,C[4MWP;BW
M@*'IMO:E[Z^QXW3%!==YMR!7W,";$VGKO(>?[=GIKBW.CT-273F>ZX9.G9>-
MS1CB]A$.<CJ5!3Z0XK7&3<](6ESE/?2_NY373K#5Q2-T==Z^O%Z_%*2^`L5S
M697]QT!J6W41?SLWI,V?*]#]CH*\$-S##X.^+HN6=.34+X#.81TU-:^=M0-,
MN\VQ!`5TV*T6G[;V$XHS%-K.;C,,T#\EOG72=ZN[D-MO;7G\7C881AM\H@X\
M$_)"0[\=*03)CI&=#0[\V5I'?,I?J_XO<OL=E^=+#W8O01$5%A\_#K@K8$2!
M9N$M*5-!*N@`?%IU2:<&C$C^/CQOY;&_;&UOO5@MET&XBH#F&7=]5E).VRI>
MNY[4_[(HQ+D8B\=9X,E9_'"QC%P?0:/W$GV>"$_1O+M`@1O^3U[`\^#)\^#;
MG0Y"+P:9\.3QR%U$R%W[5.6=Q)`GPO.1#CIL>`>W#GF?[S8MN5FP!&#\NFM.
M%Q2*@4O8Q%H>C?N9;V`8)7FB+%L;UBXXTL%D>]NM7'?CO,$$*7A,8L8@-6(O
M(NALH+0''4AU(),`!Q2-LL#P3Y!%6:@LT:%$`)-.3],@(D3*00=2'<@D0-$`
M<^\3-%"6K0V?DC7:P"<L)HRDH%#3-8:,P@PD-9!,1A1ML"H^01MEV=KA_7G'
M@^Z)&T-&<0:2&D@F(XHX6+FRN/DM3RP=&CQH$&TG'%E+;JQ<?9Z-02+M8""I
M@60RHG09EO[C7:;!:I<9$D&5D&:9KTVA,6CLLH&D!I+)B-)E,/3Q+M-@M<L,
M0?ZXN/<<"4;DP)!@V@!2`\ED1.D?/<D8.^N";NO]I2Q>$L*JU\SL\&$'9?LJ
MY5"[S1`4P,8W#O4RB+2A%E&3%(8$ZJ0*U+1T#!(.93*BJ`,B6=V,"JB40@8-
M5F4PA!X(1A7><JUV9\^#)$,8$L'*F](B37PZ!HTJ9$11@6#&/BYCB%9U<,A#
M0]'S7*0-Z5X$>),5`H*9/:D(M06>\JB`CN+;+D+:^TRP#(<G510MBM+,N^\-
M8B44-E$Q7`F'`D^(6FK&\``4C3D'`4TTJ8#6`TVX,A2PECUVD)2K-Z(E\7$%
MK(`J"A@TV:*7LZ$%.%/*MO"<X5`\++^41W$/X.RGCD,F6&8\H)7O<06\3DZ#
ME\#&1-?,Y($VR_<\0/&`Y:"))A51S(,ETBI_QM_/>4#+V^,*>#&<FDX0@R8/
M5NKH[46`[`'/D3U@$/?`#S4G,\$RXP&M=H\KX+515L`@\&!:J"M7FP1[NHF!
M4XH1')JX4AX51<-B0&O?<(+ES#E!2Z"D@Y[1_16]-O$+PN/'=%9,E94RUE=9
MHS;(>[@I4HU0X,4F<3"AU(3H%7-*9+L4NS*R2TB-VS/>XZKJK(*\TNL@+*G=
M9H39734)8S@&0,LZCN`%M&"^.40Q%.89?!5#29O!UW&VGL'AEOPT3$^C96AX
M)C[Q8CC.F_R)'\-9V,2?@OAI5D`2Q'"^-!.290R'.,"=L4=P:[[F9_Q'WI[+
MIK,J?()AA$LD3(^6W;O9CYY<A^O>,^GANCQ\O<#_(Q@N6NX"@D^$].(';6#\
MQV7W'P```/__`P!02P,$%``&``@````A`'2GG-YR(@``.[,``!D```!X;"]W
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M$3Q]>/Q"'X#^_]77AQ`;),G=O_J_?SY\?/G\[FHV?Y/-)TNR?O7+_?-+]1`\
M7KWZ\/OSR^/7_XLV&7N*/J;L@_Z*C^6;13Z991<XF;$3^BM.9L,'.=+YG-O1
M7VZ7G].,SJX_;_K+S::S-ZO%8KY<Y<2.=+CDEOG0<G;6!Z4AU_=(?[G'Y9L\
MFUS/3O1WS>WHKWS2R5D-,PJF>&U#5/&%FYQWDMD0%_0/;GO>:682#>$?%YUH
M)B$0_B&?]_J\4Y4HR#0,LN.G^C8.A'Y<%7<O=^]_>GK\\Q7-5G3"S]_OPMR7
MW01W,J)B2`QC[-`0H[$5O/P<W+R[HHM-P^>9)H8_WN?3R4]O_Z"Q_(%M;M$F
MLQ9KL0@#-[@M/"@]J#RH/6@\:#WH/-AXL/5@Y\$^`6])VD%?"HN_0]_@)N@K
MRMP*4,&G3DRQD":%!Z4'E0>U!XT'K0>=!QL/MA[L/-@GP(A)(^7O$#.XH9G?
M!*L+Q=MHLZ1I;XCHI1-X,!D4!E("J8#40!H@+9`.R`;(%L@.R#XE1FR:#/X.
ML8.;=U?+XU,#&QU3>S`9U`92`JF`U$`:("V0#L@&R!;(#L@^)49M6H6-VN,9
MC4RWP;H75<2X94++YA"O^=1/"8.1-"N`E$`J(#60!D@+I`.R`;(%L@.R3XG1
MD'*5"S0,UE9#)E;#F1OU@]&@(9`22`6D!M(`:8%T0#9`MD!V0/8I,1K2$#0:
MAGQ@.7NC6=O9*4'P9/6-)*?\+(G1N=-W,!KT!5("J8#40!H@+9`.R`;(%L@.
MR#XE1E^:!XV^Q\=YL+8:,K$QNG`:#D:#AD!*(!60&D@#I`72`=D`V0+9`=FG
MQ&A()W^!AL'::A@)Y=TBSYK)?"!%)'/-N$H@%9`:_#1@TP+I4F).--0TYDQC
M=MZ/QI?/#Q]^NWVDD42IYT@4S2@+Y]P\>+$*](ZI9:R10ZJ]%I1HP&A.GV\8
ML//9R@9;J58B9X6H1M0@:A%U!EEU0LZ-M<NEZL3,G1(4^?BWH1PDP<+&PG#>
MT\6U/>^U6*6"Q8:+25\!32>96SQ*;D,&TEF%J$;/C5J%VHH\NZ6]50/QW!ED
ME0L)=JK<2/S09L800#$?-Q)%=$HBMDHEBFA!2JFV>6ZU+4,U35>`K.1L*D0U
MH@91BZ@SR"H3TN$+E.'L.0V>B.9T!L,)YE-?.X2B/X18/IQ@(4A]E8+2`0B!
M6+'55(.JEH;JOA&D[EM!1]UWQKT5*V2S%XC%R:]^@MNPXT`R3--HR*<N&M9B
M-4W$XH8DXZ#R=.D&12D-YW$\7J_F+MNHQ$(GPEJ0]M8(HJSI<&^M6.6Q-]H2
M=%-&)Q9];U;*D-1>("7GP*F4$;FX<Y/U.@Q8'W>,U%?)5HNPAOSQ/J.]33L^
M*S8P(0>>&^E,/;>,\JA1MKAVGCOCV4H4<M8+).(45SN_S2)RT>8NTEJL]/H7
M@I9#`):"8FAEV<JYJ<0@C2SN7STW8J6>6T$LT73F8K83@Y$H"FGG(!$M^R?F
M]9BEFGD](AM%,[>3MZ9I"Z*(D<I=LM4\GLCK?.'&=<4&)HK`<R.=J>>6$4?1
M=+5R`[\SGFT4A:PRE>C'4BK.3?4SW681+6AB&N:(?.:VE=9BI5%1"-(0*`6Q
M<EGNKT`E%OH!:D'JNA&DKEM&V<1,N3,0D,^&_@QG,UUI'%A-0P+[US4-7ER:
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MN'_UW(B5>FX%Q?ERFOE$L!.#D9`*B?@%$L6\W4@4D8LCM]:MI]'*Q!$CO=@E
M6TD<K28@46QCP@@\-]*9>FX9R9*Y])X[-HB>;12%7#N5Z(>6S&G,V(UR$9U8
M,KGA0J.B$*0A4`HZO&2*A8I2"U+7C2!UW3(ZM61*RW2Q.KADAAGK;]`TYMQ&
MTXC<DNEFHW7?/=5=R9+)*%TR&?&22>75ROFII)$.SQI=-V*E<U\KB)=,G#`[
ML>A=VW@TA0"MGS\6CU@?3".:D83)9.?2A+58:804@BAY'1IB-2I6JSX#>3V[
M7KKLL!(+O2RU(.VM832G,S_<6\M6>1J.^=S-)YVXI]1'?24KC!4^).?')H)_
M/GX_M!U)EU.VDZ8QQS=1RVE_LB7+5E0RRX)9,$HW91%5B&KTU:!5BZ@SR&I!
MNA[5XJRMV3!,7<[+B.I@.>^UH%2*V/#$UBPW)"OQ52&J$36(6D2=05:=D$H?
MBY3SU(D)N0F4B,(N@<:K3U#7-*_U]6DJ6$2'MV:Y3;HUBZA&SXU:'=B:50.Y
M"IU!1CF:?ZURQU.VWMSFM8Q.2"16B42,3FS-JI6<386H1M0@:A%U!EEEQI+_
M&5W6$PK%-#\-HME8YC]WD_&:K=*,39"F$*4@^AR'`[)BJS1MDX9)]B](W;>"
MCKKOC'LKFJ\`PEIY5L5$9;"?FAC98F#NM@[68J4Y02%(%[&2T8E*4QKJ9%@+
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MTP[KA]E(_9#YZ[P6*XV\0I`9S#CDV7VL'[+)!,HQ\:.7I1:DO36,3M0/8A7W
M2[/Y=.G&0R>N^]ZLPB&=3V=/K_!YA<(L5@5FO$=$]R0ERM9LE18*C-)"`5&%
MJ$9?#5JUB#J#K!8A4T^U.+&2Q,3>G'-$N0Z2]8R1RE`P,ME;/G<#KE0KT:]"
M5"-J$+6(.H.L#+1L&!E\2)Q5$81TS]5+C(PZT2I/U8G(U$OYW&UGE.PKK9<0
MU8@:1"VBSB"C3AB+?UV=WHN=SAF=*`;$*BD&&!VNE]1@B"1$-7INU.I`O:0&
MXKDSR"IGJ@*:S(\/KSE6`XQ.210;IK,,-S0C;@J/LJB5G$V%J$;4(&H1=099
M94SJ?UH9S/=#[@IW2/QMLS5;I762("UD2D$T#C6K]85[Q59IOBH-DSI)D+IO
M!1UUWQGW5JR0%:>S]`]-3_.86Z>3-Z.0KPSGG?L['VNQTE6Z$'0\)Q"KF!-,
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M*=B7R2_RA=MN*]5*=8J^J*&@&JT:1"VBSB"K3$BITR7SQ"P3,W`SRT045N5A
MT<D7?HLLC*DP\6@"4`C2!*`41,:#+WQ4EJU,?@'N&_&E[EM!1]UWQKT1BV+V
M$K%Z<[O*,;([70N_TR566BL6@G2U+QG1B^_]K<CYF_FU^=^J?.W"K!(O.@W6
M@K2O1I#VU3*BF3L,1_=Y.VE`*\EPV>:'M@O#2+@@XGIS)V+,XEW$N:VC-3=,
M(TZ0AD3)B*:.?IYYX[Q4?#R--?&BH=P(4L>MH.MQQYUQ;*/LLI0_;#&[^9Q1
MNO`+2F8F1C0WR`13(JH0U>BK0:L648=H@[ZV:+5#M#?(ZO>W5`'T]`[(&E&:
M1+!5FD\Q"K.(#@9XWT:M1/P*48VH0=0BZA!M$&T1[1#M#;)*GZH&SDI(PI-#
M/H`C.K':<D,C?FQ($Q*G#6X=*KD-&:CN0QM!-7INM.&!A$0-Q$V':(.>MVK%
MGMW=F)T:B.>]0?::A'3^_`6='L@"\2,Z)3Y;I1-*1&%F&R(?MU*X1[*2LZD0
MU8@:1"VB#M$&T1;1#M'>(*OR6*%RUAW9!18GC-QZYK8`UFQEUK/HBYX&%RE+
ML4IG'\R@V,JL:NPK7=7`?7N6^P[=;Z2ANM\*TD^_$W3TT^^->WM90E%P0?#'
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MG&N8>>`66BE6?,-N[CU78J`7NQ:DG36,3MRO$RN^7S?U>4TGGK6SC2#M;"MN
MCMX<W(D5/S"4^P=J]^(9[PTN0QV=IG%^?)UW;[!WX]8LW@[01T'6;)76_HS2
M_2Q$%:(:?35HU2+J$&W0UQ:M=HCV!ME!0K/;45W/VF59!B].UHC2_2RV,K)&
MJQ/[6=R0K*04K1#5B!I$+:(.T0;1%M$.T=X@JW0H>(]%\'E*Q[+9K/$1G=A2
M6;)5LJ7"Z/!^EAJH[M%-LL55H^=&&Q[8SU(#\=PAVJ#GK5H=V,]2`_&\-\A>
MDU#]IM?D^`VJ\%V//LPC.B4^6Z7B1W1B/XM[3/>S$-6(&D0MH@[1!M$6T0[1
MWB"K<J@I4Y7#W!V>=#NA=BQ%3:A'Y.H+OYE%+<)E,O4%(TW*2[%*RP#<S&(K
M4V6`^T9\J?M6T%'W';K?2,.TI(!/OQ.KH^[WQKV])M307),3UR*8NPD^(E=:
MN.)FO60KS?L*0<<WL\2*JXWIRG\!1246:<$!O35B1?/6X9RK%2N^4S?+74QU
M8J"=;03IJ6T%'>UL)U:QL]GDVA7(>S'H.S.7+3S!=,%EZ\WM96/DAI`KYM9L
ME0XA01KC)2/>S7J=84'!%NGP$3\:WXT@==T*H@LZ7+8<GB]7]VJ%1:'XTAZW
M@K3'G2#38^XOS:D>[=6ZK'ZGNLP/,D9VD.7N'LY:K#02"T&:HY>,N'Z'=U>D
MA49X+4C]-H+4;RM^X^U[[[>3%NIW(TC];@6IWYWZU8L[R]S`W$M#2B2'0$E#
MP%Z0OZ5*IP?)X3I%9*OTW#TAL>:&Z3LQC-(J75"LDMS(K.2H:E>CVT:LM)!N
M!<DW=MG2OY/#ZG>#?K=BI7YW@L;][N5P[]=>C+'Z/+Q.??[W5M+S^W`E(K+%
M>>YVD];<D-Y/D2RQ$!0^@'Q#/1;G8L5OZ,_ANU8JL=!BI1:DO36,3E3G8L4%
M\RQST=")9^UL(T@[VXJ;X]6Y6/%6P,Q__\=>/&-UGH]5Y]-<OV=3JO,++FTL
MRRF#D2MTV_="JUEZ&GGN=IK68J6W@`M!-$B/75KN,0;RZRSW+XQ5XD?3^%J0
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M&E&#J$74(=H@VB+:(=H;9)4.Q>M?5SJ6P":`(SJQ1Y6SE2XW!:/#&X1J(/-(
MA:A&SXU:'=@@5`/QW"':H.>M6AW8(%0#\;PWR%R3U67U=F]NZVU&)\07JT1\
M1F:#$)_M5RLYFPI1C:A!U"+J$&T0;1'M$.T-LBI?5B>OL$YF9'<UX#T!MDIW
M-01IFED*HO$P9"6X,<A6Z<Z&--1]AD:0NF\%'77?H?N--%3W6T'J?B?HJ/N]
M<6^OA2^1CZ<@*ZR%&=D]"W@-0:RTWBP$:>52,I+7$"9O)B[=KZ21+B.U('7=
M"%+7+2-YZX#265<12YLTLTY?/(A/ZXB5=K85I)WM;&<+^CI2V]E>VASJS%XC
M7SF?N$98):\B<N/%;]ZRE1DOL6'Z5*CXBMN9KD*M^*@9)^Q#`[F1GC206T'Q
MH1GGMD.W&VF@;K>"U.U.T*C;O7%K-?<E[@G-L7Q=163'A7\9?"U6&D^%((VG
MDA'OY4WAS1)IDHX*[EX=-V*ECEMQ'#?SP'$G3=3Q1I`ZW@I2Q[L3CO?2I'=L
ME1^K/Z>+-X0O_`G"5?#DEN>(7+WDHFW-#<E*5MD"48FH0E0C:A"UB#I$&T1;
M1#M$>X.LVJ$.3+/0$W$>R\8TW5PQ2E>@/'>/[ZW52B4=&@HJT:I"5"-J$+6(
M.D0;1%M$.T1[@ZRDEY6@*RQ!&=DH3=Z!ZY>BM5J)?@6B$E&%J$;4(&H1=8@V
MB+:(=HCV!EE)?55Z(DJQ_%QQ^9D\]B,H3<*Y_-0%I&2KI-"O$-7HJT&K%E%G
MD#UG&E!F9/Y0);X*7MP<&!&5*!(W:[9**W%&5&-S8>7VU$LU$#<5HAH]-VIU
MH!A4`_'<&61DNKZL9.O-K1Z,3I1L8I5$"Z,3)9M:R=E4B&I$#:(646>05>:R
M,NL:RRQ&-H59^=N18J4)02%($X*2D7ED'LLL::BQ60M2]XT@==^>Y;Z3AIAU
M7%]6!_7F+HQB:61R["5\Z0@W3'-L0<FDPRA\"<%0D\[\3X=4;)7FVN)+D^)&
MD+IO!:5+]M1_562G[O5#I`61#;:0Y)^?1US'FB#-(QBY8//W5,5*HZ$0I-%0
M,I)[W^ZN?B4MTBB+'RAYDKP1*_7;BE].E]V'ZZ3%2'A=5DY<8SG!R(17OG*3
M\IJM3'A%7VD))[YB">=SM8H/F[AB)VE<@=]6>H]K!CS3;_S:Z/$Y__'U_1H3
M>T8N>MSNP5JLTNB)ONAKSV5Z+MF*H\?=3*G$1QH\[$/=-F*E;EMQR\%C=P0Z
M:3`2.SY%_Z%$X!HS=T;F*899Y@;+6JSTGG/!*'V*05"\F^RV.RHYJ@+5Z+81
M*RV[6D'\M($+]TX.]WYM1/DD_,=$P]S\.B+ZLLUD;L;O]&2S](D#1O0,@$8:
M.Z-[W"$7<BMK)4Y4^EJ0QE6#?EM&=/.A=^MO[7?B)5T`#D_M/OGV4LK=_A.#
M%I/RZXA<G>."9ZU6HEN!J$14(:H1-8A:1!VB#:(MHAVBO4$V:D-J?L$J&C-Y
MLXI&E-Z]O&:49JX1)45-R58)JA#5Z*M!JQ919Y`YYWXDF9/V\776+<?HQJ9D
MPM)29V")',).W'9,S"02Z8=M0_U!/QJ5C-$11C]M"W;TV[;`Z,=M4^:$\@G]
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M!B1X)Q7!.TD6&3VM$R:_.?QX**F5>G=J^;+A>'J63;!`$&9B,5_YJDK,;"Q&
M=VE=-=CQ:\/SW-UX(;6XE8DY9B;FP#NI%1G?X9WYWR0DL5+G3BQ?+IP2"PL#
M^BV#F`E0+TEHN9*%0HMS?BVE*;28F="*3$)KDN-/57,S&UO@GF(+W)-:D7%L
M93/XGF#2*YJ,3G2^)CBE%R;_V20R5[+[F]*#F5Y^THN;:A5$0S$R.[_`]TF+
M&?WZF*RLM(JR.^V"-(,N2+-SNB#=N"F6\MDD)-[I`O&#*5S,W^VZ$1G]\D42
M?UC.QX]@?^E/6%K0"Z,7+OH:<N:?8:#!&GN,/ZC1WY,B*2-+WGD@*=E."U^2
MDEF<"J:Y_XH?4C'U;D=K%G+DOZYB[\95#,SL^P3^9S76F9AI`!8#HU$SC/^1
MU5>:\OO^([^A.'A*:PIIICTV8G?BK8+!C)_T'_EI13&AMS0A8<Y"+NW%GJWZ
MG]B%&_+]`__G[0=DO6,O?TS<W8Z`OYDL3=,;]".L'&'5"*M'&(D[?!29*-H1
MUHVPS0C;CK#="-M;YN(^9.SG7HH3,W(6LW\SA3"SZOO7%2GX8U.K/C!2'QBI
M#XS4!T;J`R/U@9'ZP$A]8*0^,%(?&*F?,J=^R/M3]4\I'.L$JS`SFMN&.2*_
M=OM^I/!@)K%'TPLP4A@8*0R,%`9&"@,CA8&1PL!(86"D,#!2&!@IG#*G<,C]
M+U$XU@I6X<A<#+L[-:3P8)8H#(P4!D8*`R.%@9'"P$AA8*0P,%(8&"D,C!0&
M1@JGS"D<ZH5+%([UA568F8UAR'/#[DAX\D`7,8IA8*0P,%(8&"D,C!0&1@H#
M(X6!D<+`2&%@I#`P4CAE3N%09%RB<"Q*K,*1N1B&LBL;S)(8!D8*`R.%@9'"
MP$AA8*0P,%(8&"D,C!0&1@H#(X53YA0.9<DE"L<RQBH<&<U%(AU-"<S2S4UF
MR:XXR1GM$D9RILQ]W%`-I!_WQU)^NG\+^Y#,LO"3/\-R`F\6TIG%MC0OR-G2
M4(S,;'GGU^[>"YWL8"9-Z613YDXV).WIR9Y:(V.2;Z]-9&&,#2<%.WUT4FQF
M3BJR\'*C-O7/W-))#6;)2:7,GA05P!>=5&_O$EMF5.SR/C:,9K'0(K3(A-%@
MT//Q[Y:6@UG<)YK.<:=`'(V4I*'^ON22]?;^[&*N3'N]?'8NCM89MZ)Q(I+3
MV<56%$["Z%0BXVV)Z70)6T1L06=$K=R%"LG;!=%'&U8PIIA1+WPJL&,M%N9"
M14]FMTOL^*K`RSQ5)A9C5R5D29><"F=5JN5M-HU,KPKLK;"%O2JQE;TJD<E5
M64U<14:G$BU&KTI(1RXYE9B^F#EA&IE>%1<6%&!L8:X*,ZV9*<"8R5B9N><=
MZ%388NRJA'7_DE/A/,%<E<CL?9%KC+)H9B\-,W5'YQ.9[./-I_YF/YU0-!F]
M-F&9O>2$XK)LKPTSFD"'22J_QE@;S&2TTPP`C$X(&)T!L'J$-2.L'6'="-N,
ML.T(VXVPO65N3@J90:IP6/X/;9^<6"W#MV6XAWDS9BY7Q.$1FYJ:79O*%2'U
MP8[4!T;J`R/U@9'ZP$A]8*0^,%(?&*D/C-1/F5,_I"JI^J<4CJF-C>_(G,)N
M!J0):#`3-2F^@9'"P$AA8*0P,%(8&"D,C!0&1@H#(X6!D<+`2.&4187?/G^^
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MZ$6%F_#B`1XIKB<WX<'[L2/DC9YUPB/TG!2U&3M""I.[\.`/MKJ]ILM)SXOA
MD2*G(_2`W]@1^@STCCL>H??P;\)[]7B$WJ,G;V-'BM6$`FKLLQ4KNL#T_@IZ
MHW=?2+FQ([<K"G-Z&PW;W*XHT.FEJK$C%.KT;A`>*9;DC;Z"=>S(\J:B+P+%
M(_1EI3?ART?Q"'W9*'D;.U(LZ1/0%UYBFR*G`4"Y%QZA;_4@K<>.T'=TD-9C
M1VYS.A_ZNACT=IO39Z-O/<$CQ8+"GFX2CQV9WU3TXSYXA'Z`Z";\H!`>H1\0
M(F]C1XI%F*#&/ENQI'[H*X?1&WWU,6D]=H2^R)@4'3M2S$E1>O%AQ!L=";_+
MB$?HAQ'IR%B\%8LI:3`V7]#/C)$&8T?H1\/H3,>.%/,)?;:QL4"_84V?8.Q(
M,:>IE39HQC[U@KR-*4J_?4IMQHX4<XI>>G@%O=W.P\(RJNB,%*6?H\<V]%/V
M-^&'ZO'([6QU<QOO!KKYF7YI_F8]>H1^<)Z\C5Z%&<T[XVVF]-E&5^^&CG2C
M1XHI]3.ZJA=3FOGBK6?WJ1LZTHT>*69TY>*-;]>F"%/YB#9-F,A'.,WC81H?
M/1*6WK$8H`U6:C-VA))'.M)'X=OA@SV__^G[W:_WN[NG7Q^^/;_Z<O^)<JU)
M_]5<3P^_ALHB_L?+XW=ZF//JU2^/+R^/7_M_?KZ_^WC_%`RH&OST^/@B_T$7
M_^V?CT^_]?G<^_\7````__\#`%!+`P04``8`"````"$`N9JIWK`4``!_:@``
M&0```'AL+W=O<FMS:&5E=',O<VAE970R,2YX;6RLG=ER&[D.AN]/U7D'E^]C
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MNZ_;'_'S_:?>_=.&K$W]I'K@S^WV+R6:?E*("E]"Z6C?`Z/GLT^;S[??'UXF
MVQ_)YO[+UQ?J[BJU2#7LZM._[<WNCBQ*:B["_6W<;1_H!NC_9X_WRC7((K?_
M[/_^N/_T\O7#>5B^:%2KE5JC3FK^W.Q>HGNE\_SL[OON9?NXT%*!NJM<2VBT
MT%^CI5R[J-9+Y8`J/55)V2BAOP5*#M1>,07IKRE(WGU`GFYIWV;Z:^3#QD4E
MK-8;^]L]4+)F2M;SDFX[#Q2D&]I727]-E75KGP/EFJ8<_66;E"^"2JFF['J@
M7$".I/M5>93NLL-&"7)/H`]<E].)ARKC[@]L_Y_6O(#[7'TPE88EQ_\.U<K=
M'IS:[VI<:*-0/[ZQB=3CNJCM^J!YFM,$W/GJ@ZDV""_J0:E95F/L4!NY_P/'
M`4[KE)`]0'TPM9[6*2%[@OKPQDX)V174!U/VL-^%[`*A[<83!Y4:`_M.41_8
ML"=V2LA#67W@L@<[Y5+/G/N)N'W[<OOQ_?/VQQFM;F2EW;=;M58&5TH;3\&Z
M7_-)^;4YF:91I>4/I>;#.1F+9ML=+21_?ZS5*^\O_Z;)_\[(7*-,X$NT6$+-
MSDIM6X*.!)$$L02)!*D$F01="7H2]"482#"48"3!6(*)!#<23"6823"78"'!
M4H*5!&L'7)*;Y+Y"H^)W^(I2HWR%>_F:@76>4#@&2W"1M@0="2()8@D2"5()
M,@FZ$O0DZ$LPD&`HP4B"L003"6XDF$HPDV`NP4*"I00K"=8.\!R#9L'?X1A*
MS8=S^K\SB51]3[C6,C5:R*R0+]+*17)O`=(!$@&)@21`4B`9D"Z0'I`^D`&0
M(9`1D#&0"9`;(%,@,R!S(`L@2R`K(&N7>$Y$*^CO<"*EYL-Y[?!29(0.>5$N
MDGL1D`Z0"$@,)`&2`LF`=('T@/2!#(`,@8R`C(%,@-P`F0*9`9D#60!9`ED!
M6;O$\R+:3'E>5!Q*\K9%2>^=A3OYVA#:L=KYI5X3,TPNQ,7:0#I`(B`QD`1(
M"B0#T@72`](',@`R!#(",@8R`7(#9`ID!F0.9`%D"60%9.T2SS=H>_L&WU#2
MOF]H4J>0Q/&-NO"-7"CW#2`=(!&0&$@")`62`>D"Z0'I`QD`&0(9`1D#F0"Y
M`3(%,@,R![(`L@2R`K)VB><;M!2\P3>4M.\;FE`F@+N]94@E)VU-*G;GVP$2
M`8E!3P(R*9`,2!?T]$"F#V3@$L]@M,!Z!M.!XX7*";Q\O;_[ZWI+@X0BB8()
MN$P!H@X;E1+?CII0LB.WHR&.'36IN'-TI=SPQV$G%V)%$9`82`(D!9(!Z0+I
M`>D#&;C$,RTU[-=-JY3XIM5$Y9'RZ2NL-GVSM8R08VU-JJ5]5!^6@K)?HI-?
MSPT-)`:M22ZC<@6D541\:7Z=M69`NJ"UE\L8K2+!T,^OL]:!2[Q.4$E(KQ<*
M')E2-^S)>W'?W@8=,3A+.18WJ$JCQ_9472PT'2O%C8D0Q8@21"FB#%$740]1
M']'`0[Z55:[!S3\=L;).3=#NGMM\K5*_Y.@5BDUS8]7J8C9H&:F@GA=L&U1U
M"X8UX8<=5E_?NW]0%N,E,M<I3\EW%&-="2,:\OE-0ETI2S5U7962/](RK*O+
M16R[>HP.UM5G*5U74X39`Z\JO\=4$L#ML9^:^%6R74Q/!E5I:Y_;J%87]FZQ
ME%T@VHQJ>1=T&.E>"X.J,&7$`M:18D96<\+(:DX9:;N%04E,,1D+6,U=1E9S
MCY'5W&=D-->KPH<'++#7[/>)"JI_O4],:&[O_%J=;*AN\K:\#6',%DOI8S6=
MN#4%CPPN(Z4V!+0*A`W1VQ%KMI-CS,A6EC#R5C8YDE,C%91"4UL%NL[<CJVM
MRZIM;3U&!VOKR]H:5;%N#EC/OC:_.U5T>Z@[I]MOK^VMW"7)!,EN?VKDAS`-
M88>6.I.B7B<IGM/:B#J((D0QH@11BBA#U$740]1'-$`T1#1"-$8T072#:(IH
MAFB.:(%HB6B%:.TAWYW(4SUW.K+&*G&QD]&(/)8=HJ5V-21%M3)J&^3&-X@B
M1#'J2E`J190AZJ*N'DKU$0T0#5'7"*7&B":(;E#7%*5FB.:(%JAKB5(K1&L/
M^3ZB`N-#4\Y)X5R@PVMO>Z81U<Q^TC)2GNMHJ2,AG2E(4JPK0A0C2A"EB#)$
M740]1'U$`T1#1"-$8T031#>(IHAFB.:(%HB6B%:(UA[RO4EE#7[=FW3NP?,F
MC90?YWM$C&%IEP]SDT:O1[&F#`E8W\K+,(I1*D&4(LH0=0URAD'/2A5'Q7TK
MP+<T0#1$-$(T1C1!=&.0<Y=3*U4<9<^L`-_E'-$"T1+1"M':0[[?J93*K_N=
M3LQX?J?1,;\S4NZ:J!&YE7786@."S%R*#1:IQVUH?77\,3;(Z8K$2KGJQ4XS
MM5*L/D/41?4]*^6J%W??MU*L?H!HB.I'5LI5+^Y^;*58_031#:J?6BE7O;C[
MF95B]7-$"U2_M%*N>G'W*RO%ZM<>\OU79:-<_SVR4]/)*\]1-3KFJ$;*=52-
MO)Q313["TU%/<BFOM.%0A"A&E"!*$66(NHAZB/J(!HB&B$:(QH@FB&X031'-
M$,T1+1`M$:T0K3WD>9)Z;L[S))6E"6OJ,=JBC+P3->Y+^MM_@T(W'UEKB,>[
M6BP5YBMHFQ'%U7:YEH%YAZ4J.BZO5H3FB`7L'C)F9"M+&-F42FH0/7*Z5UVZ
M*`O5&1>RJKN,K.H>(]JEOMZ./DN9I%.E+I-J+&`K&S*RE8T8V7:,#:JH=//?
M'V4C)ES"W1559);FAJ5L55-&!]LU8RG=KG+0%'/<G`5LNQ:,;&5+1K9=*X->
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M%&+D`QV&\(*E;)5+1K;*U2M5BEWVFDN^5J7OWRH/[VZ#?^J(23V;+_W;("\:
MD\M9BPO:36Z;T>'C#)9Z]3B#!>R^.V9D*TL86<.G!@75&F]D2M6F]Y\X*F0=
MMJ8N(UM3CY&[P,*Q9)\K?_7@9,!Z;&U#1K:V$2/;KC$CW:PR?7G&;\>$!>A$
M(G?5@JV-Z5=;V90+'FS:S$CE9T)P2C-G/;9I"T:VMB4CV[05H[QI8IY:L\!K
M3?.'A#J2.30D3CL24E]3D6-"(_](J"ENMF4*ND="B#J((D0QH@11BBA#U$74
M0]1'-$`T1#1"-$8T072#:(IHAFB.:(%HB6B%:.TAWYUH6'CN=#C1H*)&Z38:
MN4="1LK)3[4-<H^$$$6(8M25H%2**/.0WV9UQG!H")UTQ*&^(R5-H9%[Q&&D
M/%-H*>^((Y1/%G=,0?>(`U&,*$&4(LH\Y%M');M_W3HZ9>YFI$*-CF2D6,I.
MLVV#7D_96P$.H2)$,6I.K%1QFCVU`JPY\Y!O.96I=2UW9"SIQ*YG(HV.F<A(
MN2;2R$O:A?"@6)A+<6LB1#&B!%&**/.0;QF*>=YB&24N,D\:^2&Y?%BI%6HI
M+R0WR&ZA.RQ%5_*M!)P=14;*B\M!?<*ZK/J4T4'UF:?>,U999NP.N]%>W#>6
M017:#.4-K,CTA1&B_3@[0YN16PYV@1V6TEFZ<J4LPO2(!>P>*&9D*TL8T6R8
MWR14EK*43I]40IF(SEA@7YEOQ[?E@<J8!S*HXMYBK2GR("TCY3H=(^L5'=9E
M<H(UL:^*S'77W5B+32LDC*SBE)%Y6BP4,5[F*?8-)+,'1QP-TP1EC3Q'JS6%
M/[2,E.=INB"M0NQ\'9;2;A4TRB)RC%C`=2NCQG4KT)QR06WZH!:*'LQ8H,"'
M5#QQ^I1>-N&'[9YK@X0/B>BF9:0\']*ZZ(S(FDBCJ@XK@XI,H$=&C>=$1HWK
M1*`Y-07KQCN;`9A(E]&:?2^2`<D1+\+`HZR1\"*1&&L9*<^+=$'/BPPR7E0N
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M2555Q'@MY<,J86(/(MJ,/(^0`4.'I71$T:RBD8UFFVN*N8RM+&'DC6A966JD
M^(PEH``&_-BMSI]"U8[\D(%/._>HZ(V]9V&-O',/>JN9?_[4,@7=<P]$'401
MHAA1@BA%E"'J(NHAZB,:(!HB&B$:(YH@ND$T131#-$>T0+1$M$*T]I#O3N2J
MGCL=WOBI+9G(2!HDW`9&IB[HN0V@CM7%&^8(48PH090BRA!U$?40]1$-$`T1
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MH".O16`IDY.NRC.YR`BX<3A6EC`BW\WO$D^#6,H\2BAWF)E7EV_2HC#R-)-B
MZ*C\AAS#S_G(UZ&T6,J&?&U&-ACI,#+!>%"6+WN(6,(&-3$CJSIA9%6G!M%J
MIH9K/139@HR+8*9'];DW-'\J0MQK$<ZH(T1U4IQW<ST0N966*>C&W`:Y,;=!
M)J7XKN#=#ES(FBE&U0E+.4$W(XI&G-L$^^G&J-.C7.K5H)O2[;_#I"8^LC'O
M]5XQO2R3=I7Y7=3E^4V+I:Q[M!G1,ID7A"'78:G&WHDHS88#7-\3)<1XTH^Y
MD*TM,4CE?EZO+352==\_9)3(ZFE^MKJ<)\_]D?][`D?U*+2(``P2$8#,=E@I
M-D\;40=1A"A&E"!*$66(NHAZB/J(!HB&B$:(QH@FB&X031'-$,T1+1`M$:T0
MK3WDNY.*WMQ=RWYMKEX0?N.;LBG_!1ZED?`HD4MLF8)N3(FH@RA"%"-*$*6(
M,D1=1#U$?40#1$-$(T1C1!-$-XBFB&:(YH@6B):(5HC4KV>HWM:=ICU*_QJ&
M?@G[X^;YRZ:U>7C8G=UMOZM?NJ#5^>/['.N?X;BN5NAW./8;6;A2Y5_H$%?:
ME>:5VFO2[".NT(]Z_+%?&@6_IA_[V"?W)`^OZ,7/J.>Z?$4O\T7^1^7J#VHV
M7KBF5A0W@MI0)%^[HO<U%N@)2)$.?<2MML/&E7H>#<M0:'VE`F>\0H$R&:KH
M2KM2IRO[LV]93Z5!VHKJH6")RA1=N:ZHYA>VOT*=2-LUO#?ZCC&UM$A;.VC2
ME:+NI6=NK]03M:B-GJ`EZQ1=:8=D`_T\A6QI6"=M13:@IRBI3-&5ZY!:2L\>
MXQW0:TKHK@OO(*#.IA=*8)EV0/7H`$7<&[TNX4J]L@#+T"L*2%O1E3995'VW
M'LO0=^FIGJ(K]#7X*_6-=BQ#WV"G.RBZ0E\^OU+?(\<R[:!$VO:[3M$>>H$.
MW5N1=>AU.'1O15?HY3:DK>@*O:J&[JWH"KUXANZMZ$J;.KO(:@EU01'OU:_H
M!:$%;22#%;:]>145^6Q"<U41[S6OZ`6-I/\R-Q7]_,^WVR^;_NWSE_NGW=G#
MYC--FJ7]:T>?]0\(Z7^\F%=D_;E]H=_]V;\MZRO]T-.&?E6BI%;MS]OM"_]#
M59#_=-3'_PL```#__P,`4$L#!!0`!@`(````(0"0R&]R?0X``!E%```9````
M>&PO=V]R:W-H965T<R]S:&5E=#(V+GAM;*R<V7(:R1*&[T_$>0<%]T9TLQ.6
M)RSV?5_OL(0LPI)0`+9GWOYD496=7?DS2)HYOK#0UUE_;=E9V=6%/O_QY_/3
MU:_-_K#=O=PD@F0J<;5YN=O=;U^^WR2FD]JG0N+J<%R_W*^?=B^;F\1?FT/B
MCR___<_GW[O]C\/C9G.\(H67PTWB\7A\+5U?'^X>-\_K0W+WNGFA*P^[_?/Z
M2+_NOU\?7O>;]?VIT//3=9A*Y:Z?U]N7A%4H[=^CL7MXV-YM*KN[G\^;EZ,5
MV6^>UD=J_^%Q^WI@M>>[]\@]K_<_?KY^NML]OY+$M^W3]OC7231Q]7Q7:GY_
MV>W7WYZHWW\&F?4=:Y]^`?GG[=U^=]@]'),D=VT;BGTN7A>O2>G+Y_LM]<`,
M^]5^\W"3^!J45F$^<?WE\VF`9MO-[T/L\]7A<?>[OM_>=[8O&QIMFB<S`]]V
MNQ_&M'EO$!6^AM*UTPP,]E?WFX?USZ?C:/>[L=E^?SS2=&>I1Z9CI?N_*IO#
M'8THR23#K%&ZVSU1`^C_J^>M<0T:D?6?-XF0*M[>'Q]O$NE<,IM/I0,RO_JV
M.1QK6R.9N+K[>3CNGN?6*'!25B3M1#*12%A,!IE4SFA<*$=73Y73SS.57RB8
M<P7S4<'W54A>?ZJ0?KH*<\FPD`VR;[6TZ`K2SX^U-*`9/549R`B_KZT!CZKY
M\,%*:2)LI3(C[^RH\1U;5";EG>WE20GH@VMO-EG(9C.Y0I[$+DQG0/-H*Y4)
M#3+O\:"`9S0T=X[US?<U-XP\GSYPR<MN'M(4GIII/K@B[QS6D"?3?.#:WG6/
MA#R7YH,K^<YA-7>?;:_,Y?N&->2Y-!_>T]QK&U9.4:JR/JZ_?-[O?E]1Z*<1
M/;RNS4(2E(P8QR?K#5'$^KN`19'*J'PU,C<)FFR*10>*LK^^%-*9S]>_*#+>
M.9M;M`E\BS);F#!H9"L:5#6H:5#7H*%!4X.6!FT-.AIT->AIT-=@H,%0@Y$&
M8PTF&DPUF&DPUV"AP5*#50Q<DYM$OD)WU?_#5XR,\16>Y5L&XCRA<@RVX"(5
M#:H:U#2H:]#0H*E!2X.V!AT-NAKT-.AK,-!@J,%(@[$&$PVF&LPTF&NPT&"I
MP2H&/,>@F`F.D::`?S[)X9AA2E$ZX\6,K#_QM]8F1\M.%%ARODDY,HF<`T@5
M2`U('4@#2!-("T@;2`=(%T@/2!_(`,@0R`C(&,@$R!3(#,@<R`+($L@J3CR?
MH=42?,8D-Q]<>(S,32)W>>5Q1I>\*#*)O`A(%4@-2!U(`T@32`M(&T@'2!=(
M#T@?R`#($,@(R!C(!,@4R`S(',@"R!+(*DX\+R*'\;SH<L0QUB=GX4F^=80>
M&Z+X4DCK"!,9<;$*D"J0&I`ZD`:0)I`6D#:0#I`ND!Z0/I`!D"&0$9`QD`F0
M*9`9D#F0!9`ED%6<>+Y!V>P'?,-8^[YA29[6L9AOY-7J$QE%O@&D"J0&I`ZD
M`:0)I`6D#:0#I`ND!Z0/9`!D"&0$9`QD`F0*9`9D#F0!9`ED%2>>;]!2X/F&
M>>P)LTGRI0^N/T;(=QM+E-L4E-M$1I';`*D"J0&I`VD`:0)I`6D#Z0#I`ND!
MZ0,9`!D"&0$9`YD`F0*9`9D#60!9`EG%B><VE&9X;G-YN3'6OF]8HGRCJ'PC
M,HI\`T@52`U('4@#2!-("T@;2`=(%T@/2!_(`,@0R`C(&,@$R!3(#,@<R`+(
M$L@J3CS?H!SB`[YAK'W?L(0V$WG:RXYD(E*Q)"//SE4@-2!UT&F`31-("T@;
M=#I@TP72`]('G0'8#(&,@(Q!9P(V4R`S('/068#-$L@J3CQ',%O*GB?8/;6D
MV60]/F[O?MSN:+6A398ST2-->V=N1\VH^!YR$J:2]CV!V2`K,XKYB$,9:I_D
M+9F4'V2J8L7N5D-41]1`U$340M1&U$'41=1#U$<T0#1$-$(T1C1!-$4T0S1'
MM$"T1+3RD.]-9C<.=V@_ZDUV3X^>DWFZ;P.+S#-WY"=A5B]&;!5W,%LPFSKM
M\X:I(*U]*S+@RFI.ALHPJB-J(&HB:B%J.Q1(*SMB97:CJ95J3[$K!MRD'J(^
MH@&B(:(1HK%#L59.Q,JU4FV)3\6`6SE#-$>T0+1$M/*0[W=FL^_?^YW=,O3\
MSJ*W_,Y9R8Q6S!LZBHCD0^*PA8P:L*I8\8#5$-4=BDU%0ZSB\LIKFF+%\BU$
M;93OB%5<7K6^*U8LWT/41_F!6,7E5>N'8L7R(T1CE)^(55Q>M7XJ5BP_0S1'
M^858Q>55ZY=BQ?(K#_G^:W8>X_Y[9K6E%W#1<NLV*N,!TJ(,N5T4(`L9%>S*
MYNTO>26](N5&51B)5M6AK%G??WU)%POIO!J\FC.A%Z4L5&<AT6ZP4+Q184Z-
M5--99?(V1"<SZ53\GS)O8=5MK+K#2+K5=2AOZTD'Z9P.LSW4[K.0=&O`B++K
M:*RA6T.V*MI13*941T98V9C+2&431M*1J4.N(V$V'Q;43L\,M><L)-H+1A<[
MLF0K[DB@]@=67F6^7YN]T`_XM=LZE;[>4M`S'AO2*AV-=2&CWM:6V2J,W+'"
M*!>A*J/,:4:"5)C)J%<X-3:1K+7.2+0;C$2[Z5#&:J>3@<I-6EQ&E-N,1+G#
M2)2[C*S;!KE,J)>1'IN(=I^1:`\8B?;0H8P)+91W)/,J8(RXC"B/&8GRA)$H
M3QG95F<+V;P:ZAE;B/2<D4@O&(GTTJ&HT:%27G&9D[+OCV;_]0/^:,S58XU%
M*LZJ%I1-OJ#CK$/BVU5GY>+LIW0FIV[CFK/PPBQ(-[@VD6XZY&)JD"RH`-Y"
MY3;+2(#H,!+E+B/_B4V]A>B)O-RV84$]U_592VH<,)(:AXQL_`F2:I!&4A>O
M16,N(L(31B(\9>1W1<G/1/Y"5^:L)34N&$F-2T9_TY65U$5=\3W7[`['/?>?
M/:?;/68OP[4H2W$V%F!5B"^;8UCDT%FY62N,Y,ZL,K(W_:?`+./^XU:-3610
MZHQ$N^%00=*+)J/@%*HR=`#15VZQC"BW&8ERAY&TNNM0D/+7&!7`>US26RS1
MI6&@!JY@K#-#KM(]EF:3&>5U(ZE-G!JD)VPEO9FRM.J-ND%G7/)B;^9L)0.X
M<"C6FR57Z7H#=^B*94Y3X[NUV;W^]VYM]\`]MW;(>_[**F\LF[.")L#;$ZCV
M%)=#TN4J6]E\.%/(IS/*.6IL(D^`=4:BW7"H(.M;DY'5#I/93#'^3]V'+1:5
M>MJ,I)X.(^E#UR%*>FPZ>B:I[W$Q$>\S$O&!0[%.#%F<)L#F$9=3^!&K2D5C
M1E+1A)'T8LH5<2_.Y/`S+B;B<T8BOG`HUHLEB[M>I"%C7['.2=KW8[J/+OKQ
M9/?Z=]NH\0<[(Z,2#HO\!#BKEO.R.;I*!>DL*8>+"B.)#55&-DDU#PY9E?#5
MV$0&O<Y(M!N,1+OID$N`PS/QV351E-LL(\H=1J+<9<0)<#X7JOR_QR:BW6<D
MV@-&HCUT2'))=6./N(PHCQF)\H21*$\9N5;GBX6\:O6,341[SDBT%XQ$>^F0
M:W4:LKL5ESDI^XYJW@3H@!O2P6-**]_8=#`EE6]:Y"?#6?6<6PZL%=T\XIL.
MR5I=92NZ$N4AL,-;<U9>0@SR#6>5?6/?P19T.7(J65#W0@LK:W,KI2\=1M*7
M+J.+?>FA?)\+BOR`$=T],BYZ#V7(5C:QI+[XR=$(ZQIS$:EKPDBZ,F5TL2LS
ME)]S09%?,+K8E25;<5=TK%MYE7G.;<[M>\Y]V:-/YKY'.^2_]-9!LBQ6D4<C
MJB*J(:HC:B!J(FHA:B/J(.HBZB'J(QH@&B(:(1HCFB":(IHAFB-:(%HB6GG(
M=QOS"B@>$]]P&_O&*)YMFM698B-MA+%#E!E)&E)Q*/Y&'%$-41VU&FC51-1"
MU$:M#EIU$?4\Y(^?>=<1'[]_]&QJO@>CUA>'Z*E8AM5:T18/HXJS>N,=LEAQ
MP1JB.J(&HB:B%J(VH@ZB+J*>A_R1UN\)_ME(X^L#\TTBX\`9[QDXJS*6<F06
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M"SG5L[+YUA_=/-X]X)`X4=59J7L@I^[R&HN)D]89B9,V&(E^DY'GI#HG;[&5
MR+<9B7R'D<AW&?GRZNFDQU9G[@&SA?6!R7`[7N('M_0E<S/,_CV0@]7`6L4?
M[%Q!>OYDCZXRXIL@&<8WN.AS]9,*[#57Q+LOH*X&"TM=34:4OYO(KKRGA;KM
MJ$34X`XCT>TR.J_;\W3M?6&_8V^_O?J\V7_?E#=/3X>KN]U/\_WYM-F!B;#]
M<O]MF*)O]Y]"@;I"7_O_>O(8Q6_ISP&<MK0T#TG(]$?S=(F^XH3\:X;T3X%!
M%\B4Z-LL6.`V6Z)O,ISAN1*=8C_#\R4ZIGR&%TIT1!4Y9<HEDP?C%<I[2R:K
MQ2N4Q99,CHI7*$&D*^<&I!*FJ9YS0T+)!]5S[@HE#Z1V[DHEH`FDLW%G6A!0
MJ^GT$EZADU\E<_H*K]!I*U([=X7.%I7,,2$L0\>"J)YS5^A$3\D<SL$R=!B'
M6G#N"IVC*9DC,5B&CL!0V\Y=J11+=*872S2*)3JCB[Q3+-&96^2#8HG.T"*?
M%$MT)A;YHEBB,Z[$KR,7IC],\;K^ONFN]]^W+X>KI\T#W7BITU'$O?W3%O:7
MH]N9_;8[TI^D.&W2/M*?(-G0B=64^8[%PVYWY%],!=$?-?GR/P```/__`P!0
M2P,$%``&``@````A`/1K^`-G"P``!3,``!D```!X;"]W;W)K<VAE971S+W-H
M965T,C<N>&ULK)M;<^(Z$L??MVJ_`\7[!&PN-E224X,OV.926UMG=Y\9XB34
M!)P"YO;MMV6IW5*W0\B<\Q*2GUM_2:V6U%+,[1\_]R^=[^7QM*L.=UWOIM_M
ME(=M];`[/-UU__-G^BGL=D[GS>%A\U(=RKONK_+4_>/^G_^X_5$=OYZ>R_+<
M`87#Z:[[?#Z_3GN]T_:YW&].-]5K>8`GC]5QOSG#G\>GWNGU6&X>ZD+[EY[?
M[X][^\WNT-4*T^,U&M7CXVY;QM7VV[X\G+7(L7S9G*']I^?=ZPG5]MMKY/:;
MX]=OKY^VU?X5)+[L7G;G7[5HM[/?3O.G0W7<?'F!?O_TAILM:M=_"/G];GNL
M3M7C^0;D>KJALL^3WJ0'2O>W#SOH@7)[YU@^WG4_>]/U8-#MW=_6#OKOKOQQ
MLG[OG)ZK'_/C[F&Y.Y3@;1@G-0)?JNJK,LT?%(+"/5$ZK4?@7\?.0_FX^?9R
M_G?U(RMW3\]G&.X1]$AU;/KP*RY/6_`HR-SX(Z6TK5Z@`?"SL]^IT`"/;'[>
M=7VH>/=P?K[K#L8WHZ`_\,"\\Z4\G=.=DNQVMM].YVK_/VWD&2DM,C`B\&E$
M_)NA/PK"CX@,C0A\_GY+H,UU=^#3B`076SXV]O#9M+SI_84>P_2IZX%/4\Z[
M"4>CX3@,KG?;Q(C`Y^_WV(.0J9NB?L$^7#UR'HR[+DT!\!L]\3`"U"^F$:./
MAX"',:!^N;8O/1W1]02)-^?-_>VQ^M&!50=B]O2Z46N8-U6".#7TL#:3Y:VY
M`I-$J7Q6,G==&&B8!B>8X-_OP_'HMO<=)N76V,RDC>=:1&BA9J"2C3E(.$@Y
MF'.0<9!S4'"PX&#)P8J#M05ZX-K&OQ`Q?X=_E8SR+WIFAH`<[C-GH@46B3E(
M.$@YF'.0<9!S4'"PX&#)P8J#M04<9\*\$<X<PE+2OHYC;*I2L&([L3EVG373
M-F-8!YL`9B918](X5)!$D%20N2"9(+D@A2`+09:"K`19V\3Q+<Q]X5NU1WYP
M(5`R=]WQY97`&%WR=F/2>%N01)!4D+D@F2"Y((4@"T&6@JP$6=O$\38XUO'V
MY0A6UK53T1DS0V!3;.(U'`=N4$>-$1:+!4D$2069"Y()D@M2"+(09"G(2I"U
M31P?0CKR`1\J:]>'F@20$5@^#)D/&Z/&AX(D@J2"S`7)!,D%*019"+(49"7(
MVB:.#V$*?L"'RMKUH2:0T*![(D.&#8DU&=+FE0B2"C(7.IFPR04I!%D(G:6P
M60FRMHGC,%C8'(>I?,F'S5\LD^?GW?;KK(+'\+1E>@\@2]*YDY)TO:H)K+Z-
M5PVQO*K)T%T!)F[T)HT1"J6"S(5TUMA8$R/HN])Y8X32A2`+(;UL;$C:&[)$
M<=48H?3:)LYP0/>=X6AQ-!S1T-/*VO6T)D-(.&@-"'A:JHV\H!F.V!!H5E/,
M'[,$+-%&05"GPT-OR&13_=ROCZYU),Q%1=DU%>7&"#ZH-0$+A4(;06V64<@&
M=6&4J*=+0R[V=&6,X(,:$`[<@%EKHS<;X`RK.J8YXUI/L[$ZG;?-)6N(ZY+N
M&!LTA-2G:5X8L-&*C)7OTR@C&C<H02UHAZ7%NIIB0=O*Y\Z>HQ75F"&B&G-$
M.HQ\;\S"J$`#6BT6B$AYB8B45P:I!-KJRY`-&Q:TK>R^N..FCD'\..G#8GK]
M:NCIDQ1DD#C[9P9Y;`39LA$9,W_2E(P-&M`<2Q"YT<"2_12M[(7![K6>K[+&
M#`M2C3DBM>)_OQ_R=:#`YS1:"RF\1"L27B'2PH,^Z\0:G]?"[CBI$]9?'"=]
M2'/&22-OI`:\N0<(>%JJKE-@&1Y1P,:(*#H3@[P^Q(,EQO*S%$LZ"Y2<:J+*
M#`M2E3FB23U0_KC/UH@"#2@V%XBH,TM$I+PRB'>&K=%K+/E69]PQ5$<Y/H;>
MZ$;=K7U@NID#(75IIJZGU#9I;Q4A=VF$5OJ24]_6F(+.4B&V15/0Z_NUF[W^
M4"R?1H>RG;FL+4-TL;8<K2`#IB@*Q1K:U$A68KHO4(NZO$1TL1$KM'(;P:)K
MC59P:&R::C?"'7UUM+PT^G]6KV^EGO9V:4ZH]O!K!+&("W"D+@8A(@"I%>P3
M\UY,CZGAH;7_NPT'5SD-OYRRJ2L(EK,9Y![<0K9O162%W8@E2B1*)9I+E$F4
M2U1(M)!H*=%*HK6#7)>JXYT="^^X5)\&G95;(XA`=%;D&423,#;(/LE)E$HT
MEUJ9M,HE*ASD]EF=T#[09WV@<_JL40!;0S/=PE`D%<:*/!/#0:#>OYR-*62;
M;T)6Z-)4HKE!`<EG9&6WBVVB.5FA?.$@UUFPH3C.TK?\']TJE`I+K37R`EH2
M(T\SJTNQ07!8Q<8F$J42S:561E:V>UA:D),5UE@XR'6/.IK8L73]:4,?:IRP
MTL@]4H9LIX\\;05#ANV+$=%2G"`"XR9$_1'32HV5?9#$@B2?(2+Y'-%%^<*1
M=_RFSG+2;S`[KD\_:@DWI@P:P9[S=J<CM**\*T8$"Q<5%.F'L6*IV(2=A%,4
M@V`F,9X$S=&*6I$9%%*>GA,BK7#"=M$"M>H!<OW,3U67UW=U'<7FJ4%.4(I`
MBHR5'92(*&H21';4A-)_NA&J4Y?\IZVL&C.4IQIS0J053ECZ5!@KJ!&FE.L_
ME?WS^?WA3!EN!H1;S;'BG5`U5A0DL=$:T1$A,4C%I4JRQGR68Q'RRQP1"6<&
M.=&GJP=D>X_EW`5JM42?RHW_NO=,ADW-G_D:^<X4XZM;A%:T=\0&V:=Z1"#9
MA%L8L#TY12OP2&-E9]CZ5"]KS`P**1G*"9%6.&%9:$$UBJ!4.;5P*[Q6\MX-
MEZ^3<7O/,4C-@*9?X82G,FA%B7V,R(Y#+>_<"HFE(L6"%'IS1"2?(2+YW*#+
M\@46)/D%(I)?(B+YU57R:RQ8R[M+Q<=.)^H^DB^U&@WM72B<L$B,3$%KX8L1
MT0Q)$.D+B;%UI*HC-37/]9)G@E=7;PEGJ$+".2$*&,\3P:NUVE94=3BP@_>=
M'4F?)9R0U<BYT@N&K`61KZU@<6K2)$0TZ(E!3DP-/)82IE@0.M5,DI;)+VK,
ML"#5F!,BK1;_&:V6,%-'"-M_OY60JXM5'GT:N5>E`;]AB4Q)^ZK4(&=1U6+P
M9A[U,IRPDTB*!=]95+6656-F"CJ+JK8"1#6V^-6TJXX*=_JJLX?MUW?B4A]5
MG+C4R%E*Q?(7J3T+/._$I4$4)8FQ@KBL=W2YI9LBM,K-I7"&B(1S0N2FEH3(
MEG?=I$X?MIM^+_R4"LO=-5+MHSDFMW1C96_I&CG19Y`;?6)6&ZMWHD_4F$$D
MJM8[T=<@:GTX$9E24R/?TJ'U?X-;:Q77K0:]<R1"*PJG&!'%3F(0YIGBWQ$I
MEJ'M8HZ(E#.#[$23D.T^MJ07J%7+.U$Y4(>!OQR5M0ISGSYEN!?:$Y9@1UB0
MKC)B1,Z6(4Z4:#6NI[GX-TR*SREYG".BNC*#0MKJ<D(7'6IZ5\N[#E69_R6'
M7G='/%`RS*,:V7?$QNJM.V)Z3'V9].G4[39<G0RPX;`7J.5I!-V\O)JK?8JW
M4R.GG0VJ[[+9*3(V(E#";B>=U74[]9OF^D7:?7E\*J/RY>74V5;?U%ODD/3?
MWS:X><7]<SVTC,_@U?<Z"CCWI_`:)*PPG`_@5?D6_GDX_0QM;RDPG,)K:"U\
M-(57JUKX>`JO"[5P#PK`';1\`O?"4W7K*Y_`+>]4W>'*)S,OF,[@1DX^B>")
MND.43^#B%>II>P+7J%-U5RC+P&TJM*"^!F..A(M$>-)6)H9J6DN`5!M?!E-X
M7TC6'8?3M$T_@XK;^#*<PHLNH--KF@I?0GC=/)6KS?%I=SAU7LI'"*]^?6][
MU%]CT'^<S3][OE1G^/I!_7^?9_BZ20GO4/?5B?*QJL[XAZJ@^0++_?\!``#_
M_P,`4$L#!!0`!@`(````(0"I>)-H?`(``#$&```9````>&PO=V]R:W-H965T
M<R]S:&5E=#(X+GAM;)1476^;,!1]G[3_8/F]&$A"&Q12):NZ55JE:=K'LV,N
M8`5C9#M-^^]WC5.6M-6:O=CX<GS._?3B^E&UY`&,E;HK:!+%E$`G="F[NJ`_
M?]Q>7%%B'>]*WNH."OH$EEXO/WY8[+79V@;`$63H;$$;Y_J<,2L:4-Q&NH<.
M_U3:*.[P:&IF>P.\'"ZIEJ5QG#'%94<#0V[.X=!5)07<:+%3T+E`8J#E#OVW
MC>SM,YL2Y]`I;K:[_D)HU2/%1K;2/0VDE"B1W]6=-GS38MR/R92+9^[A\(I>
M26&TU96+D(X%1U_'/&=SADS+12DQ`I]V8J`JZ"K)UQEER\60GU\2]O;HF]A&
M[S\;67Z5'6"RL4R^`!NMMQYZ5WH37F:O;M\.!?AF2`D5W[7NN]Y_`5DW#JL]
MPX!\7'GY=`-68$*1)DIGGDGH%AW`E2CI.P,3PA^'?2]+UQ0TO8J2:9PAFFS`
MNEOI&2D1.^NT^ATPR8$I<*0'#MP/'),LFEW&D^1]$A;\&<*[X8XO%T;O";8,
M2MJ>^P9,<B1^.QX,Q&-7'EQ0;&GTU6(-'I;S.%VP!TR<.&#6`8/KB$E&!$/1
M41G5SE?V8*_L,^M=60?#L<Q?1TYD)O\CX\$%Q75T?AY/1O>#<L!,CS#9B#A1
M1LCY`7IP0;-_YS:`SI#&ICI?VH,'Z3&YP9+@E!SE8?IVE-FIE!^,R23U4_!.
M,_F+I[+!DAP7=1[/7LB&$0T]K,#4\`G:UA*A=W[\4NS*T3J^#*O4-\Y+^S1?
M#2\&&W_@Q/:\AGMN:ME9TD*%E'%TB;&8,//AX'0_3,Y&.QS6X;/!IQFP,>,(
MP976[OF`PFQ\[)=_````__\#`%!+`P04``8`"````"$`OX^4^1X1```#4P``
M&0```'AL+W=O<FMS:&5E=',O<VAE970S,RYX;6RLG-M2X\BRAN]WQ'X'@OL!
M6SX[FE[1^"#)DJQ#S-K[F@9W0PQ@`KNG9]Y^9:GJ5ZHRW38PZZ:A/V7]*556
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MG]'FX?O]GL(]H"LR%S:]^WN^V=U2CY+,13`P2K?;1SH!^O?LZ<$,#>J1F[^N
MS@-R_'"WO[\Z[PTO!J-.KTOF9U\WN_WRP4B>G]W^V.VW3_]OC;I.RHKTG0C]
M="(D]\:VY*4^`?KIV@XO^L%@-'[/"=!HKD7HY[M/8.+:TL^/GT"7`E>?@?GE
MW:?0I>ZRK3D,;^_!;@^MZ9=_<`F(8O<C8>P.<1+TR_L[8(36],L_N`2,@^X[
M!L*ES8@ZP>8W^YO/GUZW/\]HUJ(QOWNY,7-@=VH$D5HV$9ID^U6N49(9E2]&
MYNJ<VE,:[6B"^/-SMQ/T/UW^25E]ZXRN#QCY%C-8F!0VNG,)%A(L)0@EB"2(
M)5A)D$B02I!)L)8@EZ"0H)2@:H%+BD\3)$J3_T:0C(P)$GKW&H"C%HB`P`)-
MYA(L)%A*$$H021!+L)(@D2"5()-@+4$N02%!*4'5`EY`:`Y2`>G1I'AX04*2
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M9(JL%<F53J%L2D6J-O$ZGN9^K^-MD7PQHK39WS_<_G&]I=%-Q=N!J:I'Q;`M
MD8V('P]+:$EJXN%(*QZ6],5L-O83:-%806FI2*A(I$BLR$J11)%4D4R1M2*Y
M(H4BI2)5FW@QHA[ZYS$R(GZ,+#%E0S.!!8.)W_TS9]0*FR4#,>^)=HO&J@F;
M(J'2CAH;/J5NI]?QSRENK*"]4B11VJDCDWY]#]?OC@.AF[$%A-<:Y4JY8"-S
M=]COC@+1&R5;0+GRD!=NLP7AQ?M`[M'F#I*O-O<CZ]")T,*J%5N'!I3PS9B@
M`'3]`"S8#)>SU"C4*-(HUFBE4:)1JE&FT5JC7*-"HU*CRD-^R,SM;7NOX43(
M[-TP%=[HO^NN17VZ+6OWO+QI=6;=4=-R[M"@W3(8BH8+6)E)N][!Z/3\H"Z=
M15#O5];S>JB]1=`YZBV&E?4V&7?%"%II9XEVED+FJ+,,5L[9,!`UV%H[R[6S
M`C)'G96P<LY&'='1E>?,'R2D[`V2#ZVU9J]13.0.#>B^HQD[DXG8HIK!BM?D
M.="P&4T+H)$=)\..N(E?PH#';@C$RA$0*\=`4-9CPE[9@)43M&'E%(B5,R`H
M=\0=T1H&K)P#L7(!Q,HE$)2'8LFH8%`K^]$V-^_OF!+<O3Z?XK79%Z9(>U/"
MI"?2=N:LO!G!-J0]3TPO"V<UL,-V/)B(,FOI#+SL=S(\UT1PQLJQ4*;'1_Z\
MLM+*"618.05BY4PH=P(QB:RU<@X95BZ`6+F4RGV5Q/;2;6_X834W]^VP?BR)
MW18!G].UV;6G:'M)3$NO"K<SXW$[1TL>MPL@.VY_ZW9D5):PX#,(@5@Z`F+I
MV*$1U2_-9!/T1,&S0D.63X!8/@5B^8SEZW5J($;3&DU8.`=BX0*(A4M?^+=`
M*E=H4RO[,3=["#+FP=`\D#MT7]2NS4Q+49M9Y&4UQ5G-UM;,2VN'^-(7IL(S
M@\:M1@?2VAIX::V4(R?3FC!B7YEJ91&(E3-H*2>0X>1+@?B<,U]Y-!ZIM%;G
MG$.&E0L@5BY]Y7$P46G=5O9#;'8FVB$^4<#9C0RO@+,H:)?.DYY8/6?F,1L%
M+`B:J7D.Q&-U`61O57KCH:AHEC#@(1\"L7($Q,HQD%.>C,52N8(!*R=`K)P"
ML7(&Y&ZO.B-QZ6L8L'(.Q,H%$"N70.B-KCCG"@:ULA]6L^_1#NO'9FN[>^)%
MVZ*`[MF;67#2$R<VH^RMHSUI1=LB>J+":[-%HZXKS4=]H;-T.CWNIU!+1[!B
MZ=BA1KK?%>O)"HU8.M'2*:Q8.E/2<A%=HQ%+YUJZ@!5+EU)Z&*A$=KU82_L1
M-[LH[8B?2&2[Z>*%UB(OD6F"%L-Y9IXHRTQVB,?N`E9V[`:CKE@HES#@K`B!
MN-\B(%:.@:QR=S12D75GP\H)VK!R"L3*&9!3'G3$VK2&`2OG0*Q<`+%R">24
M^W+VJ6!P()/-?DD[KA_+9+OKXH7;(B^3Z=45OXB==9U5.Y,M\C+9(9O)XY$J
MLMUQ[J50"T<.M81C("L\Z(OU8(7C+)QHX116G&H9D!7NRS)DC>,LG&OA`E8L
M7`)!6)0/%8[7PEX&4T7Q7XATK>)77@[UJ`AHYNRNW%R<P8J'[1R()IVFH=YA
M@=783N/COJAKEC#@,10"L;,(Z*BS&%;.62`?`JY@P,X2(':6`AUUEL'*.>N,
M1##7,&!G.1`[*X"..BMA!6<#L1A6,*B=^2-'[L+).>+W[<NO'F:TBG8S\XNB
MW2%9M(M3FSDS6K^PN,\=.K$[!WU[O]:Y4$/'GA)=.H1#[2MZDZ]8^I*[)2MG
MT'*6:&?IFYQERIF86-?:6:Z=%6]R5IYR5GG._*$C]^:.EPU4OZLA8I%QT4P2
M5#:(F7KF6K9O`(`X518.]>U"V;GHR+(!;7@)#H%XJHZ`6#E6RF(,K]"&E1,@
M5DZ!6#E3RBK4KH=8.8<,*Q=`K%R>4J[01I<-@=G(:9<-)^)J]WW:]4&M(';A
M**YB:9\Y,R_UW?X9WZ$N((8\[ZA$;V\\V4UXK1P!L7)\2GGE#+RL=B?(TU6J
ME;-3RFNMG$.&E0L@/N=2*/LE5^7)^LDJ]^!.!%5OM@46T3X@YM,94.MIF$/M
M-P8T6FH4:JU(6\4:K31*M%:JK3*-UAKE6JO05J5&E8?\6)@ME7:"R37W32\0
MF)TTN>1:1'LZ'"*'VB&R2+Q$(+<C%TZ?S""VU"C4*-(HUFBE4:)1JE&FT5JC
M7*-"HU*CRD-^V.1^U\?"IK?!`HO,5ERS#.JW"F#5CJ1M>.J]`M>2S#B234N@
M4.M'W)!/C.9Q4<K&;`:QE4:)UD^!CKQ?T#*!^/H`R\&X=PJ@1EV_8]`R@7KE
M,W\$4!GN)>Z)2=28B_LIBTZ%VEGQQ<P#BTZ]9<!FN)ZE1J%&D4:Q1BN-$HU2
MC3*-UAKE&A4:E1I5'O)#9G9TVG/MB9#9#2"OF+%(WL>([;69V0RA8'O%C$/T
M@_-:O67@&HYL?3/1.R#.H%6%A-I9!'346>P[HV=<,IE7VEL"::Y,4J"CWC+?
MVV0\5N6M[:'6I>509F<%T%%GI>^LV^G*/SBIG(7UYH\2L\G4'B4?F]KM5I4W
M>"SRGE#JUPP"9\7K]AR(2_H%T,1NEHPFXC9D"0,N%T,@5HZ`6#D&<LKCL:C4
M5S!@Y02(E5,@5LZ`G/)D*/=%8<#*.1`K%T"L7`)9Y:`S%+U1P:!6]J)M_C3#
MB_;Q.:$V]Z=QA[PY0;]FX*S:4P(07^["(9?_X\Y8S"Q+9]!*DA`RG"01$"O'
M0KDKGS:LM'("&59.@5@Y\Y5'$_6:@5;.(</*!1`KE[[RN#,00['RE/VPGMK*
M>E-9W=,[60YY24QED'AX,(,9C]LY$(_;A4,T/]5I/)#/U)=HPYT2`K%R!,3*
M<4N9UYO>6&3<"BV]V70L:KH$5NPR!6*7V4&7W4Y?J*W1]*C/'%;LLP!BG^6O
M?(IM@0I-?^73'SMR+\LL`&]Z78$>,,HBSR%O=J#Q(@(Q<V;>]&#%Z)$.RK>%
MLW+3PVC04].#VR+BZC[4RA$0*\>^\KBGIP>EG$"&DS@%8N5,*/?U]*"4<\BP
M<@'$RJ50'HY%$E;.X,`:WS,[-^TU_L2L;S=ZVHMYK4##HKU=J5]7@!7OS\V!
M>!0O@&S5UQN/Q:;G$@:<#"$0*T=`K!P#.>5A7^R#KF#`R@D0*Z=`K)P!.>61
MG`'7,&#E'(B5"R!6+H%PSB.1*Q4,:F4_<^7&UH=*MY[>[W+(%(U-]:Y?5X`5
M[Y+,':*%BI/8RM,1^R9Q3SYY7J(1]U.HI2-8L70,!.F.'$DK6+!THJ536+%T
M!M1(RW=JUK!@Z5Q+%[!BZ1((TMVNBKCKLEK:C[C9OWI'(MOM+B^1+?(2F29H
M<7<R,T\]Z9:.=LH1R#D0C]T%D!V[M/B)0G0)`\Z*$(B5(R!6CH&<\D2^5+""
M`2LG0*R<`K%R!F25`S5FUC!@Y1R(E0L@5BZ!G'+05Q.TZ]0#F6SVI-IQ_5@F
MVYTM+]P6>9FL7U?H.:MV)EOD9;)#]NW!GGPA>^E4:!G"F`FU<`0KSH@8R`H/
M)F(]6.$X"R=:.(45"V=`5G@X$*-\C>,LG&OA`E8L7`(Y8?GF1H7CM;"?P68S
MZY]'VFZ)>9&VR`S"9L[6KROTG!4/V[E#]-4:;JA?5W!6(_N<?20GC"6$>0B%
M0.PK>I.O&%;V-H$N0@T(=Q7L+-'.4L@<O;`,5LY97Q:9:RBSLQR(KZR`S%%G
M):R<L\%0C,@*RK4S?^#08GQTX+SM;86>D1%W]!;)FEW,Y3/7TJO9;4OS&E8S
MY@X,'6=EMROHZ;18[Y9.V;O+=VVX)([@_ZBS&%:-,]'#*^TL01MVE@(==9;!
MJG$F^FRMG>5HP\X*H*/.2EC]REGE.?/'CMSC.U'_Z\V\GD6R;!").8,93ZAS
M(,Z5A4-]\T>)?WX^-""<-UZ"0\BP<@3$RK%25M%7R@ED6#D%8N5,*:M0*^4<
M,JQ<`+%R>4JY0AM=-I@YVYL3CL>U-O=SWR&9^V+G:>;,VKD/Q'>H"R`W0OT'
M]$MWM)WE:,"Y$`&Q;`QT4':E91,T8-D4B&4SH(.R:RV;HP'+%D`L6P(=E#7?
MAJOKZKJ6L#EJO_5F/T7UM'G]OIEM'A]W9[?;'^8[;E2Y??[48/N1N>L^?63.
M%%F2#Z95/4@D'TZK>L`)/@^&TR4]\]-*]/AS:AYDZB/TX')JGD+J(_30<6J>
M(.HC]`2/CM3=)LZ`/I?WI<X.P:_I,WKU-^<D#TCH@(?KWK2J7\X0]E_ZTR_4
MY0=.J=LA#P>/!'WJE$/=2R]E4*<<.D*O6%"G'#I"+TS0&1\Z,@\H6O3$_<"Y
MC:;T80G-H]&4/A2A>3J:TH<?-"^HUP_Q^7A:U0-6=-9\,EW6=8?@T61*?S&O
M]=/)E/[@7?-B,JUL_=((T2<(7VZ^;[*;U^\/S[NSQ\TW&MJ=^K,1K_8CAO8_
M>_?&Y=?MGCX^6+]\>4\?F]S0!]`Z%U39?MMN]_@/.;YL/E_Y^3\"````__\#
M`%!+`P04``8`"````"$`<XBN_.$7``#0<P``&0```'AL+W=O<FMS:&5E=',O
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M]N';CKQ-X^1&X)?]_E=G6GUTB!I?F];Y,`+_]73Q<??I[K>O+_^]_Z/</7S^
M\D+#G=(=N1N[^?C7=O=\3QXEF:LX=4KW^Z]T`?2_%X\/+C3((W=_OK^,J>.'
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M!OT$7)-K1_]25/P3_G4RSK_PS"V`.#Q6SH0%FFPUR#3(-2@T*#6H-*@U:#1H
M->@TZ"<@<";-$^/,A*;[X14<L>E:T5H=Q.8B=-:MMUG00C<&L#+9C":C0PW)
M#,D-*0PI#:D,J0UI#&D-Z0SIIR3P+<U]XUNW.[YQ(7`R[R\7QU<"-CKF[=%D
M]+8AF2&Y(84AI2&5(;4AC2&M(9TA_90$WB;'!MX^'L'.>G`JG''+A';),5[7
MRV48U)O1",VVAF2&Y(84AI2&5(;4AC2&M(9TAO13$OB0LI/`AV[KBM,KLG]C
MS#JAT+V>+&EIF;AWI=P[&HWN-20S)#>D,*0TI#*D-J0QI#6D,Z2?DL"]-#L#
M]QX/46<=^I!)&*)KY</1:/2A(9DAN2&%(:4AE2&U(8TAK2&=(?V4!#ZD9?`-
M/G36H0\]H?P0[MDP&<HDGR-Y,I?<(#,D-Z0P.J6QJ0RIIR2X41KEX$9]&GGE
M<O:7+P_WO][N:2)1CG0@B!)*%WT2Z43"^_>$MJ'Q_IE,[M^3.?TSSM5XJ3;O
M;#2"4&Y(84AI2&5(/26!2UP=\O=],JB$3F'D-F>YXU3/+%A-/,4HG0T)>CR+
MDG`V9F(PNLFBPBJ78N52?U)6R6@E!E"N`Q1ZSB73TZ+D0-10S8NP<56;BAM&
MIUSD&U+9@XO:<L.4/A'?ZHTU$RLTS"TJ+"HMJBRJ`Q1ZQF7&;_",3Z0I&\-U
MWKIZE9PUIW_&&TSF81QLV"A:CNVV0"*5`=$,&*5B'8<Y6\7#V<PPSPLT%/D2
M2.0KH*/R=2`?^LJENF_P%6?&<@6WKBXG7\738%BO9MI9;!5/G,6(_A'/+-2<
MR%A^/A^F8S13PCFZE]6O`)*^2B#:QU_OJT)?;M;\_L'T54-EZ"MTH\MAIVX<
MTBPZ>J+EY\2\Y.QWZE&/PNC3::L[AB"W!]''2*0RMDK=]O'[AT6Z4(<).1L$
M@6>42W0FRA6CY=(KSU;J(*,.E$-GD5,"9YWPD#-7B[M'*N;4O6W<PN8B4^)@
M"[08PS`#X@"+UC.U2>2PF(:8D2YA)=(5D/=1-$OU&E+#XD!$N91S&E$GG.0S
MU&`1\R@(H_5*S:]-Y*V".&(DHYVQ%<?1>AVG9A[Z1D$@&>D2O8ETQ8@#:;V.
M8C6.-5MXZ3"27$XY==+YTXZS4;F06W+!@85,[?X;6$V#BAO*R&>P\D&5)OJ>
M<AA,8XIE1+F$E2A70#ZFTEFD%H8:!@="RB6F/^8MG](&T<59[G2+7*_,'NFM
MZ)JPMVXC1N+YC-'<WU,<*Y6</P]BRPB75K@"6@^+5#Q705L'PF%DN8Q5^RI*
MWYBK1S[O#?SF44J+[+@3I2H1WW"[5*)C"R2AD`%YM\V35,WM'`;BZ@)(E$L@
M4:Z`V&]+G0/7,!B4`\?1(/T#CAM4PC4?:'K<D*K@W\#(/TX:3L>!IH$:FS0#
M5GZCC.+E4D^L'":2"!=`TET)1!O$.+ZFNXJMHEGL4XTX644Z.*$T]!?ZV*7D
MQX+SW_OOKQ62DY+`;9]J8V44;*RI/M*!D2Q46R")H8S1/'"$27S14.*Q`!+Y
M$DCDJ[/D:S2TBR%E!=:'\3D9V]!2Q:834_7"0N\<W&ZZ%C)*3\2F5^?--TI,
MKI6S#D4,EMG"]E8"T=)Y+#1];[P?'^BM#GH+`].E],<"\ZP3CM@7!M-5DU&P
M:BY4QKF!D<32%D@")P/BI"R)E4P.@\FJ"23*)9`H5XRB6>2W&[TZU6AS8-5T
M.???=YS/W`/'>11/QWRAMYN8C=9C^&P9T7,C1%3&:.GO+IK/]8J5HY',W,)*
ME[`2Z0J(<_`DF:NMK(;%(!W&G$O%IZX[GBB[BDPO>AZYM6*<%PNSL["1W-N6
MI6()@8S1J46/M22<"FB)?`DD\M59\C4:'ECT7$8^]=4/G4#2#1L7<O8_#;.U
M+@DWW#">QIEO&,291XBS*$EF:C!R%DK$6X75+F$U#33N#L7>C-XH"4\J:K0Z
M$&DN0=?>BPF>?WCKK'7T>9103(S1I]\*V'"[1&)A"^3ZQ^L$)M'(8+7B/.-0
M7L,7(*-2H)5T5S*:3],OTUT%*UXC#J8UT^["F>QR>NW?:<Y]9EKC9-3^[%'X
MJ&IEEL'1"FO>UJV;I$4-@3*+<HL*BTJ+*HMJBQJ+6HLZB_H`A:[6Y<V)1=/6
M,32)G6?H2`R>V0!)@KQE-'WN8E%N46&U2FM5651;U%BMUEIU%O4!"OSGWJ<X
M&JIG)3J#2ABIC.A<:'0KT,2MC(+'.?-$K6296$$KMZBPJ+2HLJBVJ+&HM:BS
MJ`]0Z.E3M<YYGK:E3N*1.X&3]5/7)QM839WO&[[^@(C;D('X?6P#5%CE4AJ^
M\H!(#"!36]18Y5:L6%F=L75B`.4^0.&8N!)ANE`?7SUHF]8+,J-3SO<-Z209
M%[7EAB<>/8D5&N86%1:5%E46U18U%K46=1;U`0J]K(NI$UZV55/BD3H!5LG4
MAJVF=2F0E$`9$"W[KT^7G*VFA2@:RA%@"23R%=!1^=K*-V@H\BV0R'=`1^7[
M0#X<"UV?G1@+6X@E7&/10C#Z;[U22_8&5I+8;H%H+,>&)O'*8.43VSA)=54+
M`]E8"B#IK`2B-/GUSBI8\7FMZ:R&@736`$EG+=#1SCI8H;-8/9[I86#+'9=3
MOV6=\F79M'P>%-3!SGJEKF##5L$,\EITP(P5*&,K/L9)4_,HDPV"R<,R$MTE
M.A/EBA$?V:QF6KFVR@UD1+D%$N4N5*:G/NJ0L@^4PRGC2JTW;!*^,@N<[U%0
MEZ_7Z@HV5!.YW84.I>#I+9"4+QDC?HR\T`56CB82L060")=`(EQ!V#\SIG?P
M53F))B+<`(EP"R3"72B\B)5PCR8'PMY56%//_U"5G_@Z+1@0CUQ9,:X.],`N
MO.,--Z3D60:$:S[)B#*VHB1CR$CFZK0TQ^?BI,(*E[`2X0K(G^0G,U7EU?A<
MA!LKW,)*A#L@+SR/U`K;X_-!.)P*KHK\^P/B:]%@0#P*CD7IX:P>$+:2$-PF
MC"3>,B"_SJZ62S,BW$:6AP)M1+D$$N4*R#]-BJ)DJ4*FAH5(-T`BW0*)=`?D
MI=/50CTZ[&$P*(>#X@K8Z:"<V-*=N:K5/`K3J[5RVR;Q5L'FP$AN-X,5?3).
M+?N:$%L%.X21+Z$E\A704?G:RC=H.-TFS-5WL#HJWP?RP5BX4Z4WC,5@'HX%
M([57J&C8P$KF_A9(@BH#PB&A>7@/`XG-`DB42R!1KH#XV8-]U0$&HMP`B7(+
M),H=T&O*/0P&Y=#YKC8]?R+,?2D[7888!1,ABHSS?</I1."&TRR)$6=)E'&H
MU2QG@^D<@(P$:0DTF0.,.$N*$W/R:Y4;R(AR"R3*G59>JUOO`^70^;J4_J&]
MVGE>+4Z,@JTABI4S-["2>-L"27!E0!Q<BYDJ6W(8B$\*(%$N@42Y`N*M(=6O
M)]4P$.4&2)1;(%'N@%AYKE]/[6$P*(=CH@OO'QL36X_//5+YD\HC-K":Y$^,
MZ)0,*57&B)^2I'&B]M0<;63=**QR"2M1KH#\\I?.S&X-`U%NK'(+*U'N@+SR
MW&0J/0P&Y7!,=`'NQL1M*,=W;<KWS<0X5(BO59:XX8;3J@)(@BP#\C>4I/JQ
M90X#B=4"2+Q7`HER!>2GW"+1A5<-`U%N@$2Y!1+ECA$]HG2)]VJIEH0>30;A
M<`S>5DZ[AZ!Z4?+(3;TQRUFO]8$4-PPV"JZ#91G(V(I?&ENMU33*^?-@GV`5
M6<U+]"7"%9!?.5:1JO9K*]R@B0BW0"+<`7GAI<E5`^'0\[J6=M'OGK6=_^1Q
M;NMK1L$6L5ZKM7T#*PFT+9!$5<9HR?>FWVC+T43<40")<`DDPA4C]U+%-&;,
MH/C;2ZE&&2,KUF^A-]"7+EL@Z;(#\O<R7\_4TMK#8+B9<*!<H3O-I7YLZ_#E
M<I!B,9H^?HUBLVJQE;R/MJ7Y,<S"Z92SQX>P\K5M&NDJ)H>!',470-)9"43S
M3$9!OVM7L15>?DMGB1E-OFCIK8&T]-8"'>VM4[TMTD2M-SUTAM["X70EKQE.
M^CX+GGEX(/V&:>B+Z&!H/7(G::/3HD0M9QMZA.K&D4Y]D`)L@<A98\,#0\L-
M_1L`\X5>;G/(2+Y1`$EG)2-71KS>604K?ZJ3)/K4JH:R=-8`26<M9(YVUL'*
M=T8'%BJ,>B@/G84#ZVI8,["3UWLQLB?2"U\*!Z/I4?"J`?TEB3J]V[A'MS2<
MDQ<+MA9E%N46%1:5%E46U18U%K46=1;U`0I\3<]!0U\?]^E@'A;WC*;O&@#)
M"K%E1(..&9)9E%M46*W26E46U18U5JNU5IU%?8!"_^GZ_(?V%/?$5&5CC*;O
M&@!-W>H;NO$=)[Y]UX`;DA6<GUM46%1:5%E46]18U%K46=0'*/3T/U*,N[=Y
MM:<].O&XFQM.'W<SHN#@Y_;J=#$3`_&[[XS:`!56N92&K*SJ@$H,(%-;U%CE
M5JQ86:5/G1A`N0]0.":Z&#^Q>MBJFXZ2W'B<<CY;32/?(Q<O8^33'P:$I^L9
MRY,5[B:WJ+"HM*BRJ+:HL:BUJ+.H#U#H95U>G_"R+:M=%4%>#DJ[2!^Q;=AJ
M6MH!39=MK^7^R$0<KU_-R;GAM,"#EM1A)9#(5T!'Y6LKWZ"AR+=`(M\!'97O
M`_EP+"@1#'*3$V/AS-5^Z5%P&$XO\H>!NZ&_+G(-IT<<0!3XXGB=OV>PX@,B
M6RS`0,JL`DC.)DH@JMQ>[ZR"E3\(.5`KP$`Z:X"DLQ;H:&<=K/C4Q98*,!@Z
M"T?-%:`ZHSSK[TE27[I.DTA&X62:Z3ITPV;!;/)BTQ-U6!V-QYRM@MG$6A+N
M);0DW"N@H_*UE6_04.1;()'O@([*]X%\."ZNE/RQ<>$B5"[F-O4HF%CVQ`16
M$GY;(*EQ,D9TW.:VR9^6YL@$;22P"R!1+H%$N0+R41S/]#%(#0-1;H!$N042
MY8Z1.Z@:IRP5-RIUZ-%R:C8]C`D'R-6GTP$ZL=SY<C:8+1Z%LT7?],8=#;DT
M0,)M"R0CG#&B(P$W*OIQ1,X?![/$Z)96MP+R9TKZ5=W:ZC9H(=?;`LGU=D!>
MU[R3$.B&;J<)%;C]QZH*IZ(V'X_<_C:-$96X;E(VDQC<`DG`98SX6/&G9:1.
M)W.T$9<40*)<`HERQ2@\5Z185H_N:C2E41YO9QK+PY=U-+"2/EL@Z;-[K4]U
MUM.CZ6M]!@.YT.7UV\^&!XEP%!D%CZK(._K`$692]FT939]5,>)G5<E*;V0Y
MVLCJ4UCE$E92V%1`?A%=F(2SAH$H-U:YA94H=T!>.4KT'\WU,!B4PQ'1!?OQ
M%6UA*W-&P3X3F3^NAY7<VQ9(@BYC%*S9]LT2-)0`+H!$O@02^>HL^1H-1;X!
M$OD62.2[L^1[-!SDP[$X5-*?E98M;!G/*-QH9OJOTS9L-MUI@&29RAA133;L
M_\E*_[E<SA;3S08ZLBF40")=`=$2.ZY9-'G5VEF+OIC9I0UBTF4+)%UV0*I+
M?2)[JLMP[%S]/<T,?F!E\R7\-%M8<%4?[D_ZO<T-S"1BMT`2GAD0IUJI7B!S
M&(BK"B!1+H%$N0+R&SL-BW)E#0-1;H!$N042Y0[(*Z=K_="ZA\&@'(Z(*\S_
MYHCXVCX8$8_47A.I8Z/-@LVF>XU'P5[C$>\U/]'+ALIQ.>O0'U[@P*:PTB6L
M9$NH@/R,728J[:WQN0@W5KB%E0AW0'ZOB5?ZZ5L/@T$Y'!%7Q$]'Y,1>XVO^
MP/L>!7L-?3>=.BQ8L)7<VQ9(0BMC=&JO82T)TP):(E\"B7QUEGR-AB+?`(E\
M"R3RW5GR/1H.\N%8Z".`$V-AZ_Z%1\$&$^N9OV&K8'_A4ET6@XRML+]$D7Z/
M)V>+8']A'5GL2_0FTA50N-CKKS.L1?_H_F*Z;*$O779`JDM55?2GN@S'2Q\-
MG!@O>Q[@O@K;':$%)\1ZG]W`2J)O"R31ES%RK]^,FW:L'VGF:"C!70")?`DD
M\A7D:>Z]+E^CH<@W0"+?`HE\=TB>:BM53?5H&5S%I%0/Q\=5UF]8VWPA'JQM
M'@7SB:Y*U5L;:J*/!H`D!#-&?#3PDYF7.1L$\\DHEU:Y`E+!K8JM6O0G0SAQ
MGB]%(293N`62F^F`5)?JX49_JLMPO$@L&*\?.E)8.!55C'JDCA3T6<"&6](9
M+3;V+9!$:L8(1PJI+NQRM!%O%4"B7`*)<L4H/%(P4[A&2]%O@$2_!1+][CS]
M'BT'_6"`W$L)9H#>]AK9(!&.#B.=OJFT:P.S2?K&:)J^,1K3M_5<S8(<C60]
M*JQT"2O)LBJ@Z<,->@=)/1:I84;EGRR49I;9+ELTE"X[(-6E2JYZF+W693B(
M^G1AJ(K.^>(J<JJ>68R"#8Q\HC+;#<S$YUL@B<^,$9]HS_772^=H(E%>`(EP
M"23"%9"OLJ*%_N/6&@:BW`")<@LDRAT0*R_UVX\]#`;E<!P.GBQ00G#^RV!+
M>\3`*)A,L<ZL-K":SB6O%<PEC^@6W`G#(C('#"PSK82L<@DKB>L*R!<L\U0_
M6ZQA(-YOK'(+*U'N@+@4,D56#X-!.1P05]A/TX6W'Q<L_=D`[7K806X9!6_G
MQ?K[$#>PDM#:`KF(>/W[>6#EW\Y;+,P7],)`AKH`DLY*1B?>SH/5:P%10UDZ
M:X"DLQ8RQ]_.@Y7OS,9(#^6ALW`D70VO1S)9#=^F;'ZU8IANY[VN1[^;9A9`
M/BZ8W@LM@*JNV'!+6J@1&%N+,HMRBPJ+2HLJBVJ+&HM:BSJ+W$_(.5?X&_+.
M]S\)YW_WZG'W]'FWV7W]^GQQO__-_=P;_97]AW<C]K]%=QNO;MR7#)%/]"?S
M]8U[)?#`)\LY?L!.M=FFR8U[1<6VH=^\^WF8[ZK%+?T6WO#:C>8Q7=8!G5OJ
MX*#^_.9G<HCM^):N]2!/Z4H/V2]NZ*="#N@LZ9X/</HZ$[JB0Y=*;S/>N'<5
MK1:]FWCCWCRTG]";AG19AS[9IN0I_X:2<M4VC:F?0U=`;XA1/X<^H3>\2.W0
M)_1]3S?NVYSLM=&W-]VX[V:RG]!W,=%H'?IDF]#]^`U-7W42W>3TI^-6C;Y#
MY\9])X[]A+X#A]0.?;)=W>2'@KA<W=!O>5BE+=W*P>N-:,SH!QML"_KIAQOW
M4P[V$_HM!?IDN*KK\2;I]Q2_WWW>=7=/GQ^^/5]\W7VB"4@_\$=5\Y/_14;_
M?U[X:UY_V;_0+RD.W_CZA7XY<T<_"C=S[ZA_VN]?\'^HZ^OQMS@__+\`````
M__\#`%!+`P04``8`"````"$`^UTX:'P8``#/=0``&0```'AL+W=O<FMS:&5E
M=',O<VAE970S,2YX;6RLG5M3'+FRA=]/Q/D/!.\;Z&ZZH2O&WC&F[_?[[8W!
MV";&&`<PMW^_E[JT.DM:&@Q[SSP,^,O4JJRJ+$DEE<1/__[S_NO1[[>/3W</
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MG[\\XW97<4;NQ+*/?S5NGVYP12%S4JXZI9N'KP@`_S^ZOW.I@2MR_>?^YQ]W
M'Y^_O#NNG)V<EZL7ER7X'_UR^_3<NG.:QT<WOST]/]RO<Z^2U\I5REX%/ZE2
M.ZE>G%7V(B\4K/B"^.D+EB\+AW^AY+DOB9^^9.VD='Y6<U&_4`S6_?GB)P]8
M>4VYFB^'YX;E7AEHW9?$3Y:LO.K:E)`,^;UQ69%?]OI)^;):JO[H+$N'VXI?
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M8!Z#10R6,5C%8!V#30RV,=@5P"G2Y)`K2/9_(E><C,L5WN4/!)8\Y2@QZ,$B
MC1@T8]"*03L&G1AT8]"+03\&@Q@,8S"*P3@&DQA,8S"+P3P&BQ@L8["*P3H&
MFQAL8[`K@"`QT!3]$XGA9-`U"BJ1BS`3/N0^-;1&AYHFJF>N#BZ';!'2%-(2
MTA;2$=(5TA/2%S(0,A0R$C(6,A$R%3(3,A>R$+(4LA*R%K(1LA6R*Y(@B=""
M_A-)Y&3>'==>;HJ\TTM9='`Y9)&0II"6D+:0CI"ND)Z0OI"!D*&0D9"QD(F0
MJ9"9D+F0A9"ED)60M9"-D*V079$$682^5)!%Z5<T=EN<]SY9>),_>()NYZ%^
MJ5<OPTKHZN#$8@TA32$M(6TA'2%=(3TA?2$#(4,A(R%C(1,A4R$S(7,A"R%+
M(2LA:R$;(5LANR()<@/=VR`W7%^W7#V!_QM[NTXH3)N<7."-HY`V]2AM#DZ'
MM!'2%-(2TA;2$=(5TA/2%S(0,A0R$C(6,A$R%3(3,A>R$+(4LA*R%K(1LA6R
M*Y(@;=!*_#-IXX3"M,E)F#:ULRAM#DZ'M!'2%-(2TA;2$=(5TA/2%S(0,A0R
M$C(6,A$R%3(3,A>R$+(4LA*R%K(1LA6R*Y(@;=`#"=+FY9;(>8>YD1,,\_"V
M7WER?B"-G)S;NU132$M(6W0ZXM,5TA/2%YV!^`R%C(2,16<B/E,A,R%ST5F(
MSU+(2LA:=#;BLQ6R*Y(@$="7"!(A'V(YN4"[\_SE[N;7#P]H,_#.G4B0"H92
M\@$6)Q+F1TXP#'W(#T\*^9&3<_RP9JD6C;HT#TX4:@EI"^D(Z0KI">D+&0@9
M"AD)&0N9")D*F0F9"UD(60I9"5D+V0C9"MD529`R;E0ZR)E$;F#8D,FQ=P^S
MPZ,+O+(?;GVY&O=(Z&653(,(/>Q#P7HM&I!IFM<A:12U%744=17U%/6)+-\'
M1&&HE;#Y')H70QTI&BN:*)HJFBF:$UFH"Z(PU&H8ZM*\&.I*T5K11M%6T2Y`
M8;ZY(3\=!GYC'>4F1*)*RB.D(<_HBJB8<WE!U%/T:GJO`FHI:BOJ*.HJZBGJ
M>W1A<0W,J_@LG(=W;6A>C'ZD:*QHHFBJ:*9H[E$AU(5Z+16M%*T5;11M%>T"
M%&:3&R?\W[,I'VW$2`XOZP<W688$<U.OA[HI4:EYKT([Z`M6B^]GM4NIU/*"
M\.(16U:0J,T@3+YC7A97O1:-2W;-BUH]17V5'YB7R4OT0_.B_$C16.4GYF7R
M$OW4O"@_4S17^85YF;Q$OS0ORJ\4K55^8UXF+]%OS8ORNP"%^>O&*(OY^X/6
MUP]I%A,U1S]*5.]EF=1PL[K(\"HJQ$.&UVO1('C3O'@V+45M11U%744]17U%
M`T5#12-%8T4315-%,T5S10M%2T4K16M%&T5;1;L`A9GDQBG?D$G./>K'Y:@<
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M@F>5L[,H"UO>!=\4,2/:%#+M#I%I=STZO_`5[$DEDNZI=)\Z)CT@,NFA1S[L
M6JUZ%G4Y1RH]IHY)3XA,>NJ1CUIJM_RJ%B[&G!HFNR`RV:5'/N++2JD2]<%7
MWJ,@O::.26^(3'KK$:]SE`B[0#=,13>"^X94S`=\@U3,45B/740UZ15R4.HQ
MC^PQ:M++M\>EBWHU:K9:=+%'M$UDCVB'R+2['I7PS.SS_/SD+!HLZ;&4:?>)
M3'M`9-I#HCSN2J56CEZ31_0PZ3&124^(3'KJ$<..=&<L8;IS(M-=$)GNDB@/
MN7IV7HG&8U;T,.DUD4EOB$QZZQ%#CA[+'4OL=<-D=*/(;TC&?-`Y2,8<A<D8
M]^FN2KE7T&'TR$ZC22]K'UI$=DG:1'9).D2FU?7(71+6H#VZ&>H3F=B`R,2&
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M7>P!;1/9`]HA,NVN1ZSE2Z63\Z@%Z;&4:?>)3'M`9-I#HCSN\U+Y+,J9$3U,
M>DQDTA,BDYYZQ+`CW1E+F.Z<R'071*:[)/+M::EZ%EV-%3U,>DUDTALBD]YZ
MQ)`CW1U+['7#9,2;]1MJ19=RT4NJ1V$R2GOJO8)DS+7J=AI->EGKT"*R2](F
MLDO2(3*MKD?%UJ%'-Q/K$YG8@,C$AD06V(C(M,9$IC4A,JVI1\7`9G0SL3F1
MB2V(3&Q)9(&MB$QK361:&R+3VGI4#&Q'M[U8F#EN,N#U[:E;"1)G3HY^\(;J
M"Q;;4R*KC)L>O=">>@\\"FR7V]2Q>KY#9-)=CWP]CV4D49O74^4^94QY0&3*
M0X_8.)V5Y)U`I<?4,>D)D4E//?J;YE1EY]0PV061R2X]\A%7STK5J*I9J?2:
M.B:](3+IK4<^XDAV%\B&>>AF!-Z0A_D$0K%?5_;3#/9T7!'9T]'PJ/@MD:*6
MHK9J==2KJZBGJ*]:`_4:*AHI&JO61+VFBF:*YJJU4*^EHI6BM6IMU&NK:!>@
M,$?<('XQ1_ZK3XS<&K:X"LL1QO%8J5QY+XP+$S4\"C\SNHBJD:9YL6!+45M1
M1U%744]17]%`T5#12-%8T4315-%,T5S10M%2T4K16M%&T5;1+D!A-KG1]6(V
MO3S]Z98OQFF3HQ]\?.0+%KYB:!`A[6Q05^:LS,LRR1_1LK*M7AU%744]17TB
M>PX&1&&H4=(/S8NACA2-%4T4317-%,V)+-0%41AJU`0MS8NAKA2M%6T4;17M
M`A3FFQM-+N;;?U=[Y6/20<.7H^+'1VZ)*Y(UR+D<%;XT:GJO`FHI:BOJ*.HJ
MZBGJ>U2(:V!>Q6<A>EL;FA?OVDC16-%$T5313-'<HT*H"_5:*EHI6BO:*-HJ
MV@4HS"8WIOZ_9U,^,A]D4X[<G-:A;M*/C\K>RRJBAD<_^/C(O'@C6XK:*M\Q
M+XM+/H#IFA?E>XKZ*C\P+Y.7SW>&YD7YD:*QRD_,R^0E^JEY47ZF:*[R"_,R
M>8E^:5Z47RE:J_S&O$Q>HM^:%^5W`0KSUPW#%_/W!ZUO/FH?)&J.?I2HWJN8
MJ#GZP<='Y8,7SZ:EJ*VHHZBKJ*>HKVB@:*AHI&BL:*)HJFBF:*YHH6BI:*5H
MK6BC:*MH%Z`PD]P0[1LR*1_1#3+)#_(6/T^IUZ+9X*MR[A6,?7E4[''HMT>^
M8`DE\X^/RM7+J`/5HKB-]K2)['VV0V3)W"7R\^[5DWHT@-RC!]K_0X5^?AE-
M'/?I94<;$+UX=D/OQ;.KE:J7T94;4<A.;DQDAYL0V<E-B?*3BV1GM+YX8G-Z
MV9$61"^>V-)[\<0N:O7+J"^YHI"=V)K(#K<ALA/;$OF[%MV,'<U_=V9!_E?>
M-A&Q=P\G(CQR@X2'#*G+V*_W*N8_D9U9TR-WU0[U)MWL,K6)S*M#9&)=(AMR
MZA&95I_(M`9$IC7TJ!C8B&XF-B8RL0F1B4V)++`9D6G-B4QK061:2X^*@:WH
M9F)K(A/;$)G8EL@"VQ'MM<+,<4/WKZ\Y*_E(?['F].@'8[_>JSCV2V0CATV/
M+OA,E"XNH]FXEG<I#OY2R$ZX0V3:7:)Z7@-73BK1"T9/I?LL9-(#(I,>>N3#
MKI7.XH6M(Y4>4\>D)T0F/27*HXZK/Y6=LX#)+HA,=NF1C_BBAOG?<&9YI=)K
MZICTALBDMT3^.L?U6J`;IN+;IB$J.@WA45B)R==)WJM0.S6(["EJ>L2JOU0J
MUTN2BWD(=7M$VU2R1[1#9.)=(I_GYR?Q=^\]>IATG\BD!T0F/?2(<5?.+NI1
MGH]8RK3'1*8](3+M*5$>=B0[H]5DYT0FNR`RV:5'#/F\AJ]=XVR4*[VFD&EO
MB$Q[2Y2''-W`':W[D,-D?-M<1$7G(CP*DU%;U+Q@D(P>V5DTO5:Q?6AY%B2?
MB'7H96)=(GN,>T1VZ_I$=GD'1*8U]*@8V(AN)C8F,K$)D8E-B2RP&9%IS8E,
M:T%D6DN/BH&MZ&9B:R(3VQ"9V);(`ML1[;7"S$&7\BTMJG./^F(Y^E&+FGL%
M+:I'5ALW*SGR%7V]C.U4PT>KY3V"!E6D.]ZK\.%3E\A7].63>&E`3Z7[+&27
M<D!D40\]\E%7SJJ5*.J12H^I8](3(I.>$N512QV6GWGA8LQ9P&071":[],A'
M?%[%QZSA=5YYCX+TFCHFO2$RZ2U1'K%48<6(PT1T$P5OZ-KE\PI!URY'814F
M7R=5<J^@"O/(GJ&F]V(EGVY/?3%[0-LJWB$R\2Z1;T_Q=5)T8WOT,.D^D3W[
M`R*3'GK$N"OU\XM(>\12ICTF,NT)D6E/B?ZF/96K,6<!DUT0F>S2(X9\7J^<
M1V,-*Y:RD-=$IKTA,NTM41YRE.,[6O>R83*ZJ8<W)*-SCVK%'(7)J.UI[A4D
MHT=V%LU*CHJM0\NSH#T5L0Z]3*Q+9$]QC\@N;Y_(+N^`R+2&'A4#&]'-Q,9$
M)C8A,K$ID04V(S*M.9%I+8A,:^E1,;`5W4QL361B&R(3VQ)98#NBO5:8.?$L
MQ\NCQ!6=SO#H1^VIG\ZPH!J^8*'1:WKT4GN:ZQ3J^39U3+I#9/5\ERBOY^LG
MU>I9\;]H;43/NQ>.TZ>"'6=`9,<9>L3&];(6O]>,5'I,'9.>$)GTE.AO&E>Y
M,G,6,-D%D<DN/6+C>EF.'_N5]RA<C#5U3'I#9-);HCQBJ<^*$8=9Z:8&WE"?
MY3,)0>.:HW!'K+AMN<)>[_M97/O6K:&HJ:BEJ*VHHZBKJ*>HKVB@:*AHI&BL
M:*)HJFBF:*YHH6BI:*5HK6BC:*O(;=!O-RU/FWS#_7P_ZOO;Q\^W5[=?OSX=
MW3S\YC;3+]4O,2IUX/E6_Q\JE]SK/[*@G85E7U5&%OQY@)_W*SDC_@%_-F"_
M&C+FY0Q;W6*4-N85'"#!?S[/?L;9)0J<9]BI,L$1Z?[[C/@`M0S;T"7\+S+L
M,Z8<_9S,M4MJ07<G<\V36M#+R5PCI19T=C+75JD%?9[,-5EJ0=<G<RV76M`!
MS%PKK1;T`S/76*L%W<',M=EJ0:\P<TVW6F:PN!9<+>@89JXA5PMZRYGKM*@%
MG>;,]5W4@LYRYKHP:D&?.7,]&;6@ZYRY#HU:T(/.7+]&+:M*&?<GE688W,']
M25DPQH/[D[)@J`?W)V7!,`^R.66Y0FQ7R=@:L#22%KS)9*X#J>?3@L5U(]6"
MUYBLG;1@F`UYD(H-HVW(@Y0%(VW(@Y0%`V[(@Y0%XVYX?E(6#+_A^4E9,`B)
M/$A9,!:)/$A9,"2)/$A9,#*)/$A9,"")YR=EP;@DGI^4!3-JR(-]JQC5+)A8
M0QZD+)A30QZD+%<XSE7R.!@:1AZD(L`(,?(@96G!XH;G4GE01AZD+!@EQG.:
MLF"P&,]IRH+93^1!ZGPPXXD\2%DP\8D\2%DPV8D\2%DPQXGG-&7!5">>TY0%
M,\?(@Y0%L\7(@Y0%D\3(@Y0%<\7(@Y0%4\9X?E(6S!SC^4E9&F4TK/B80.\/
M)OB1!^DR=>1!RM)$&3?EJ6J8T4<>I"R8V$<>I"R8WT<>I"R8YD<>I"R8WL=S
MFK)@2A_/:<J"3[4R]]651HVOK#+WP91:\(%4YKYU4@N^;<K<9TIJP6=)F?O"
M2"WXH@AW(67!5]:P)'L3Y6KV`1_$J=H5+%=)"[ZTQ?FDRN!;U\Q]CJAJ^.05
MYY/JM^!;15A29?`Y:N:^&%0U?)6*\TE9L)P+EE3'#(L4<']23SV6'.!\4A8L
M(,#]25FP'`!1IRSXN!_W)V7!I_J(+67!BKC,K6#2,\7"N,PM9%(+%L3A."D+
MUL5E;EF3EL'RN,RM;E(+5LEE;I&36K!6$-<@9<&2P<RMZ](R6#F8N>5=:L$"
MPLRM\E(+U@[BBJ8L6$*(/$A9L+`R<^O;5`WK*S.WS$TM6%:)NYVR8'4ELC=E
MP2++S"U]4S6LM<S<"CBU8`.`S*W?5@OV`<C<,FZU8#N`S*WF5@MV!<C<HFZU
M8$,`O(FD+%CEBB<X%5L#ED;2@C6OF5MJJ,=IP>)6'*H%*UXSM_!0+=B1(7/+
MYM6"C1DRMWI>+=B3(7-KZ-6"K1DRMY1>+=BA(7,KZM6"C1HRM[!>+=BN(G.;
M"*@%NU9D;B\!M6#SBLQM*:`6[&&1N9T%U(*]*S*WP8!:L(5%YO894`MV6T(>
MI&I+;+J$/$A9L-L2\B!EP>XAF=NT08_3@*61M&`OD<QMX:!EL(5(YG9R4`MV
M$LG<A@YJP88BF=O702W85R1SVSNH!=M@(0]2YX/=L)`'*0LVQ4(>I"S8!PMY
MD+)@_RL\IRD+ML'"<YJR8!LQY$'*@IW#D`<I"W8,0QZD+-@X#'F0LF#_,#P_
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M.W-_Z>/3P\,S_X%`3P]_BO7]?P0```#__P,`4$L#!!0`!@`(````(0#?Z554
MY14``+YN```9````>&PO=V]R:W-H965T<R]S:&5E=#,P+GAM;*R=6W/;N+*%
MWT_5^0\NOR>62-VH2K)KHOO]1ND\>QPE<4T<I6S/9.;?GX:`I29Z:6AK]KS$
MSL?&:I!H-,&&*+_[SY\/WZ[^V#\^W1^^O[^NOJU<7^V_WQT^W7__\OYZF_??
MM*ZOGIYOOW^Z_7;XOG]__=?^Z?H_'_[W?][]/#S^]O1UOW^^$H7O3^^OOSX_
M_VC?W#S=?=T_W#Z]/?S8?Y<CGP^/#[?/\M_'+S=//Q[WMY^.C1Z^W2252N/F
MX?;^^[57:#^^1N/P^?/]W;Y[N/O]8?_]V8L\[K_=/DO_G[[>_WB"VL/=:^0>
M;A]_^_W'F[O#PP^1^/7^V_WS7T?1ZZN'N_;HR_?#X^VOW^2\_ZS6;N^@??P/
MR3_<WST>G@Z?G]^*W(WO*)]S=I/=B-*'=Y_NY0S<9;]ZW']^?_U+M;VKU:YO
M/KP[7J#=_?[G4^'WJZ>OAY^#Q_M/T_OO>[G:,DYN!'X]''YSIJ-/#DGC&VK=
M/X[`\O'JT_[S[>_?GM>'G\/]_9>OSS+<=3DC=V+M3W]U]T]W<D5%YFU2=TIW
MAV_2`?GWZN'>A89<D=L_CS]_WG]Z_OK^.FF^35KU:KTA]E>_[I^>^_=.\_KJ
M[O>GY\/#_WFK:M#R*DE02:7[_GC:>%MO5M*J$REI6`L-Y6=HV'I5.U$]=EM^
MPF%2Z':)QT9H*3\O\M@,[>0G/+[N%&6F';LJ/R]RF(5V\A,.7WF*58DB/Z@N
MG/QXO.ZR5D_A(+_`Z^M.LXH8<+]<YE2BQG=7PR=)7Q4&5<2/"_D+^XM`J%X:
M"56$@OL%3E\[-(B&ZJ7A4$4\N%_@]75#DR`>W"\7#4V">'"_7.@4\9"\,AYN
M?&8Z)KKN[?/MAW>/AY]7<O<0UT\_;MV]J-IV8DAQ?I*?DM[?Y3Q)=D[E%R?S
M_EHNNV2S)TG4?WS(DN3=S1^27.^"S4>VJ<86'5BX3.IDNQ;T+.A;,+!@:,'(
M@K$%$PNF%LPLF%NPL&!IP<J"M04;"W(+MA;L"N!&AO@TSC*T_\8X.QDWSABA
MCP`Z\&;8.[!`DZX%/0OZ%@PL&%HPLF!LP<2"J04S"^86+"Q86K"R8&W!QH+<
M@JT%NP*(!E52^K\QJ$[F_;7\6YB\:3PU/WJ;AB3EDU$C-NF<3$XC3:1'I$]D
M0&1(9$1D3&1"9$ID1F1.9$%D261%9$UD0R0GLB6R*Y)H\.7N_&\,OI-Y?]TH
M3]W!J&ST3R:GT2?2(](G,B`R)#(B,B8R(3(E,B,R)[(@LB2R(K(FLB&2$]D2
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MB1G3IIG#)Z/3F!+I$>D3&1`9$AD1&1.9$)D2F1&9$UD061)9$5D3V1#)B6R)
M[(HD&E.Y?UXPILXZ'E-/JNGI@:H3R+&JZ1^"/:GI0U>/2)_(@'2&9#,B,B8R
M(9TIV<R(S(DL2&=)-BLB:R(;TLG)9DMD5R31`+IR7C2"O@#RMBE9^/GK_=UO
M'P]RQY2GZC.S-95"1RA_.)5X9(_"TM+7A5TUHP-4&-N`:M*_PHVY%4_JGEIA
M5O<9#1@-&8T8C1E-&$T9S1C-&2T8+1FM&*T9;1CEC+:,=A&*(\"53+@$=FD$
M^,*+/$=AB#ZZ>J\$A:N>GL8VJ6?QV'9@50P*W[`>K]9,PUYH*%;PV&<T8/FA
M6FF_LK02]VND5I`?,YJP_%2MBO*FU#=3*\C/&2U8?JE617E3=%JI%>37C#8L
MGZN5RJ<ULU+>JA7D=Q&*`\R5;XH!=B:5R*+OE$M\M2>*)(]>BJ1@58PDC^H2
M4!J"3;-FZ+E-!0E4L<+9]!D-&`T9C1B-&4T831G-&,T9+1@M&:T8K1EM&.6,
MMHQV$8I'WQ5P+AC]4.\IYA&/:C)*IT',4E.@Z\@:XIAMFJ=![`94+S9,&F:J
M]&#E[F9_?$@J26*D^\%"-C@0'P/V-H1.J;<1K+PWV0AMF6@<L[<)>YM"I]3;
M+%C5FL=S2\TTGK.K!;M:OLK5"E;^Q-ZDE9:IIJS9VX:]Y=`I/;$MK+RW-&DU
M3(+=1=[BB'1%I0LB,M2@BA'I45),*UEJSK?C]@\EK<BN$L*F"]0XH5Y`LHWO
MPN]-9L*SCR:ZCAH`J?`02(5'0$&X6JF89=48%BH]`5+I*9!*SP*2/NN,3%)S
M@YZCH<HO@%1^":3RJU?)K]%0Y3=`*I\#J?P6"!=&KDQ\[]_!XB@=QXXL9BZ)
M'6=NUL4>F6QF9F;'W>K<VJF8S0+2..P%J[J?!8UZE8+'MXDR%RD/X4R51P&%
MQ-&H&>%Q.%X0GD!%NSP%4N%90*'+K30S\W;.R@O(J/(22)57`84N5S,3CFL6
MWD!%A7,@%=X&%+I<K3=K9J;O(NDX7ESUJYAK_MGCE:^A14LBC^K%*9BEML+E
M/G[@5C8Z1[I`.B%Z0/XND22MIID0?5CH51D`J?002*5'0%ZZ6JG6*`F%+JKT
M!(U4>@JDTC,@+]UH5,P<FL-`E1=`JKP$4N454+@>#9L?UC!0Y0V0*N=`JKP%
M\LJUA-8:.U@<I>-0<H6U8BB]L(SV=;@H9CPRJ<>L/SKN@R<V]02DY]L+5F%2
MI%G=R/2#02%##%AY"*3*HUBY66V9B3QFY0ED=")/@51Y%BM76PGE'G^>A3XO
M(*/*2R!57L7*;^JUE@G&=;`H2&^@H](YD$IO8^EFK652\2Y2CB/&E>V*$?//
MDH\O_D6!Y)%)/F9F=]RGD&SR"4BG1`]6(4-4&^;*]6&@UV0`I)-M"*3*(Z`P
MC:L-DQW',%#E"9`J3X%4>190,SNNV1I5$Z%S-%'A!9`*+X%4>`7DN_Q&NFQ"
M=`T+E=X`J70.I-);H'`U$CNM=C`X*L=QY*J'_WT<^1ID%$<!184>NX[LN,^D
M21PU]/&\"U3ZD-"#E5\>)4U>6P=EK1@,T$:=#8%*G8U@Y9W5*_8I<@P#=38!
M4F=3H%)G,UAY9U5Y:(U7L',8J+,%D#I;`I4Z6\'*.WN3MNP^^1H6ZFT#I-YR
MH%)O6UB%ZUC-S-/X#@9'9U&<2G(]$Z?R,49Y3'&E[/SPXUC*?GU=^Z@8K]\#
M2IWHZ;-^-;-@ZL!*)V`72.XQIX9<C8!5RS^QUYHM&TA]F&2GA\@!D+H;`I6Z
M&\'*NZO7ZO6ZS9(P47<3('4W!2IU-X.5=U=KVL](SF&@SA9`ZFP)5.IL!2OO
M3-;MF2V`K&&B[C9`ZBX'*G6WA55P5ZDW*G8]OH/-T5\<NZ[F799C$;SEJSY7
MDG"Y4F\/'P.2>@C*$!T@G:_=@(J[;(SZC`:L-62K$:,QHPEK3=EJQFC.:,%:
M2[9:,5HSVK!6SE9;1KL(Q>,M6;!TO%^U[^8^L6R'VR-Y)-7A#J@XW![%^VXU
ML]CH!7FQ@E:?T8#1D-&(T9C1A-&4T8S1G-&"T9+1BM&:T891SFC+:!>A.`)L
M8?P?K<X3KI<'Y(H2>J.A?3=8%8/":[VP[Q8:%O?=&`U8?JA6VB_>=U,KQ-R8
MT83EIVI5E#<A/5,KR,\9+5A^J59%>;/N6JD5Y->,-BR?JY7*\[Z;6D%^%Z$X
MP%S]N7A+>>'6X<O5T:W#HY<B*5@5(\FC%_;=DI,5SJ;/:,!HR&C$:,QHPFC*
M:,9HSFC!:,EHQ6C-:,,H9[1EM(M0//JNSGO!Z#MSLW#PR)2+S'*\XSZN)PVE
M"H%![`+)P[XF(-IW"U;-\$!:J=N:23]8R*()T@-(J[<A4*FW4>RM6JO9^O"8
MO4T@K=ZF0*7>9K#R!0*[[)RSJP5:J*LE4*FK%:SD4?9TL3-;KU^K1[5*6N:I
M90,M[40.5-J);;`*8YDF2<6$R4X[(&,9!ZHK`%\0J+Y>'*4IC]QB2R\!;<<E
MP4HWA[I`NM;O!523J%:MFCF;/AH6K>AR#F"E'H=`ZG%TWJ/98ABC8:G'":S4
MXQ1(/<[.>>3M.S34A>0"2.670"J_>I7\&@U5?@.D\CF0RF_/R:=V%WV'AG]W
MO>(0E">[2T+0F9M<Z9')E::4V4F\590K`]('MEZP"I.I4:>*:#"(\B(I#^%,
ME4=`/BU1PAVS\`1--"5,@51X%E#H<K-I]_[GK+R`C"HO@51Y!>2[;`JM:Y;=
MH('*YD`JNPTH=+A:R^P4WT72<;1(+HRBY9\MW)V*"2*/3%G=U&,Z2;#2B=,%
MTEG2`_+73?;T;(FP#PN]*@,@E1X"J?0(R$NW,KM;.(:!*D^`5'D*I,HS(*_<
MH%D]AX$J+X!4>0FDRBN@<#EH%V4-`U7>`*ER#J3*6R"O7*LT[%/T#A9'Z3B2
M7/WY@EM?*%=K'S\F'IF\8_;B.L$JRCN^H13]L;;J!:LP)VIU^WF1?C"(\DZ0
MT=DVA#-5'L7*C69BYO&8E2>04>4ID"K/8N5J+34/9'-67D!&E9=`JKP"DA,L
M+`1,1E^KO%K10F`#+?68`ZG';4!(HB2S4V=V#96>K7S7+_P,[U$E3DD!F91D
M=_I@I3.E"Z0SI0?D9THUK1N9/@STF@R`5'D(I,HCH#"[*_8#&F,8J/($2)6G
M0*H\"T@^N'"LQ]?L.F..-JJ\`%+E)9`JKPK*&CI9S63[-5I*TC^%(47&!E;J
M,@=2EUN@<)D2RE0P.)Y,E*G2E\K3KRI7'E5,@(6"=?D6(!KJ;E(7*%K@T4-F
ML*I6$K^?4JV;9YX^=+1Z,0!2;T.@4F\CXZW6L(^T8^BHMPF0>IL"E7J;P:IQ
M/+7,?DA[CN/J:P&DOI9`I;Y6L))GJ%,89C5SGUG#2NHZ)ZLSP1J&7#N1HV%I
M)[;!"H-9K]BMXAUTCJ<<![`K>!=OM<=%VW^S-YCZ$GKQ032@%_8&8:4SLQM0
MK3@+>&\05CX7I6F#9G`?VEJQ'P"INR&$2MV-8!527]9,4U--'4-;W4V`U-T4
M0J7N9K`*[FIVD3"'LCI;`*FS)61*G:U@Y9U5&TF6F<2PAK:ZVP"INQQ"I>ZV
ML`KN*I5*9C_XN(/XT5\<NR_M%+QN;S#EK8*`BGN#0)HUN@$5]P89]1D-6&O(
M5B-&8T83UIJRU8S1G-&"M99LM6*T9K1AK9RMMHQV$8K'V]7%*5==O)KSU?4H
M/WE4W!M,`RH.MT=F;]`LUGJA87%OD-&`T9#1B-&8T831E-&,T9S1@M&2T8K1
MFM&&4<YHRV@7H3@"Y$;X+T2`4S'++8]>V-%Q-S!7TR\&A4<O[`V&AL6]048#
MEA^JE:X<>&]0K?#0.F8T8?FI6A7ES=ULIE:0GS-:L/Q2K8KRYE%TI5:07S/:
ML'RN5BK/>X-J!?E=A.(`<\7P8HHIWQM,?>T\RB4>O11)P:H821Z]L#<8/!;?
MR6,T8#1D-&(T9C1A-&4T8S1GM&"T9+1BM&:T890SVC+:12@>?5<MOF#T?7$Y
M&GV/3-W);)-T4JI*=X&BYUE^;/,-0RDDJ=`K.OV@4ZQ%05JK+$.@4F^C8(5B
M<-IJF+7@F+U-(*W>ID"EWF:P"@5#DX3F[&J!%NIJ"53J:@6KN(9EBF]K]:CI
MY<Q3&XUE#OG23FR#5;BZLC?8,F&RTPY(YHH#5:0O"51G;FYX'KVP-Y@&*]UY
MZ@+I6K\74+PWR`6%H"4WS+]_"!Y`7CT.@=3CZ+Q'$S)C-"SU.(&5>IP"J<?9
M.8^\-XB&6F]:`*G\$DCE5Z^27Z.ARF^`5#X'4OGM.?DT,V6*'1K^W?6*0]!5
MN"_(E;X@'N5*CTRN-)7D3NJMBC5Z(*TM]@(*DTG>>3(R_6`0Y452'K+R",BG
MI;J]:&,6GJ")YJ4ID'9Y%E#H<C.Q+[#,67D!&55>`JGR"DC.[S33LKI9=JU5
M7JW.I#>Z2#GDU>,VH-.=HMXPR72GWFPN<\6=*)#^T;;A425.<0&9&KTI)'=@
MI7.J"Z03J`<42L1IS6[N]6&A5V4`I-)#()4>`7GI9LN^P3^&@2I/@%1Y"J3*
M,R"OW*A6S;/J'`:JO`!2Y260*J^`PN5H5,U57<-`E3=`JIP#J?(6R"O7*I74
M9BE8'*6CE%2SQ?CRQ?O1W(2,+\&:E&1ZT`D-BRD)2,^W%U"8$TEFW_#L!X-B
M2H*,SN\AD"J/8N6,7F\=L_($,JH\!5+E6:PL[\^8-#IGY05D5'D)I,HKH#@G
MF17/6N7+<A*TU&,.I!ZW`87KGZ6VD+E39Y22SA;%+RTTN2@RJZZ`3$HRT[(#
M*YTI72"=*;V`L`77LI]:ZZ.-7I,!D"H/@51Y!!1F=Y:9*!C#0)4G0*H\!5+E
M64#H<ZUJ'BCF:*/*"R!57@*I\JJ@K*&3U<W'Q=9H*6O1TZV1;WJP4I<YD+K<
M`H7+U*J;:-[!X'@R<:9ZJ7+]JFW#&A>N@8IE=PG]^"VX#JQTIZD+%*W]Z/DS
M6&&G*:DT3.SVH:.%C0&0>AL"E7H;&6^-S&[,CJ&CWB9`ZFT*5.IM!BN_;=BT
M03_'<?6U`%)?2Z!27RM82<GG%(:97;.N825UYY/5F6`-4:"=R-&PM!/;8(7!
M;-3Y5ANDCZ<<!["KA1=7___UMJ'[TA2;+3URU;K3^6?T2F%H*%4=U/>Z`;F5
MPJDA;QO"RF\^I6FS95>M?6CK7M<`2-T-(53J;@2KTSY>Q7YH8@QM=3<!4G=3
M")6ZF\$JG%U6-:N8.935V0)(G2TA4^IL!:NPCR</&_:#SFMHJ[L-D+K+(53J
M;@LK[RYK9I6F68"Z/__CPDD>.TXW=__G?/Q?N7C8/W[9=_;?OCU=W1U^=W^J
MI^;F_0F?_H[0+\<':\,_RM\7.DXWRY.V?">_.+0\;<OWM3/_I=;^13K*!S[6
MY`\8G>/UMGQ-]!G[1EN^3_@,;[;E>V?/\%9[=[PKF8YVTWJ[+_.-6\A.1-MM
M*O`1V41HN_T`/B+U_[8KY?,1*=W+%3EWI)O*J?BY3'U+I6_G+J-LGDK?SAV1
MK5#IV[DCLK$I?3MW1+8II0?GCG13&1;9G.+SZ2;2-WGCB(_(VUUM]Z(6'Y$7
ML]KN'2L^(N]4M=WK47Q$7H>2"#MWI)M(W^2M%VXCK[!*W\Z%J[R0*GT[=T1>
M+Y6^G3LB+XM*W\X=D5<_I0?GCG03-R_.38QN5?HFWY#(O99OHVR[+Y;D(_)%
MDFWWG9!\1+X#LNV^SI&/R-<WRHP]=Z1;E;[)M_1QFV[6EJ_/93[,VO)UN,RG
M65N^WI;Y,FNOS_$\:\O7S[)]MUJ1'OD_0'::`O+7PW[<?MG/;A^_W']_NOJV
M_RPIJW+\'..C__MC_C_/X57^7P_/\F?#CF_U?Y6_$[>7KYFMN/?]/Q\.S_B/
MN+XY_>6Y#_\O`````/__`P!02P,$%``&``@````A``D5F$SP"0``U2X``!D`
M``!X;"]W;W)K<VAE971S+W-H965T,CDN>&ULK)I;<^*X%H7?IVK^`\5[`S9W
M*LF4N=_O]S<"3D(UX!0FG>Y_/UNVM65K$0XYY\S#-/FTM21K+TFV[(=_?A\/
ML5_VV=T[I\>XD4C%8_9IZ^SVI]?'^&Q:_U&(Q]S+YK3;')R3_1C_8[OQ?Y[^
M_NOATSG_=-]L^Q(CA9/[&'^[7-Y+R:2[?;./&S?AO-LG*GEQSL?-A?X\OR;=
M][.]V7F5CH>DF4KEDL?-_A3W%4KG>S2<EY?]UJXZVX^C?;KX(F?[L+E0_]VW
M_;LKU8[;>^2.F_//C_<?6^?X3A+/^\/^\L<3C<>.VU+K]>2<-\\'NN[?1F:S
ME=K>'R!_W&_/CNN\7!(DE_0[BM=<3!:3I/3TL-O3%8AACYWME\>X992LJI&)
M)Y\>O!&:[^U/-_0[YKXYGXWS?M?=GVP:;DJ42,&SX_P4H:V=0%0Y";7K7@J&
MY]C.?ME\'"YCY[-I[U_?+I3O+%V2N++2[D_5=K<TI"23,+-":>L<J`/T_]AQ
M+[Q!0[+Y[?W[N=]=WA[CZ5PBFT^E#0J//=ONI;X7DO'8]L.].,>%'V0$4KZ(
M&8C0OX&(F4\4LME,KI`GE1LUTT'-C*J9263,;+[@M7^C)NEZ':=_99NW.YD+
M*I#U984[FRH&->E?63-_7R<-RJ<_O-0W6??.5@TYJN)'4#=SWZ@:<EC%#]GL
M[=$ACP8]I7&25>[M:5[6I1]!7<-(Y(U4,?T?\F]0-OP!4FG))XQ,*B?L=R/]
MADR**::,;TKSSOZ:-!1>H^+']_IKRJ2('T'5N_IKRI28:HSN[J\<)%,-TIU.
M,'F8E'F-XCT#G);6%3_N&^"DO[9X2U5U<]D\/9R=SQAM`#3,[OM&;"=&2<C)
M1<K/+R];7ZU:M%P)%4O(/,9I#&A!<FFM_?543.4>DK]H>=P&,66,,:(1%1DA
MUD(A6]5!30=U'31TT-1!2P=M'71TT-5!3P=]'0QT,-3!2`=C'4QT,-7!3`=S
M'2QTL-3!2@=K'5B<7ID8BY/)!))'FVM@"HI)DMW8<S0__Q^>$S+"<[(+90F4
M"4W-8#)"5JGJH*:#N@X:.FCJH*6#M@XZ.NCJH*>#O@X&.ACJ8*2#L0XF.ICJ
M8*:#N0X6.ECJ8*6#M0XL"P@G4Z;*JD!,.'L1@]&"#@83B]OU.R^YAHE:=(\5
M6</R40.5_9@<;12\T&G+7(5#9,^K0&I`ZD`:0)I`6D#:0#I`ND!Z0/I`!D"&
M0$9`QD`F0*9`9D#F0!9`ED!60-9`+`N12K/,H85IM2)YC?B/;MC`?^+._YN;
MJI!YC.=N[ZI!T"U'<HB\FBJ0&I`ZD`:0)I`6D#:0#I`ND!Z0/I`!D"&0$9`Q
MD`F0*9`9D#F0!9`ED!60-1#+0E1&5$$4R6O$D62^B"-OKX0BVC.>-$PY('2G
MRNM>,56(+HX5#I+5JD!J0.I`&D":0%I`VD`Z0+I`>D#Z0`9`AD!&0,9`)D"F
M0&9`YD`60)9`5D#60"P+D4JTS*&%:;4B>8WXC)Y0O^$S$1WUF4_RM%>'?%;4
M?,9!LH]5(#4@=2`-($T@+2!M(!T@72`]('T@`R!#(",@8R`3(%,@,R!S(`L@
M2R`K(&L@EH6HC*B"*)+7B,]HNXOX3#RVFMD$&?J;>ZP0BEK0)U$+&BG-@AS$
M%@12`U('T@#2!-("T@;2`=(%T@/2!S(`,@0R`C(&,@$R!3(#,@>R`+($L@*R
M!F)9B,J(*HBJ812Q(-V612QX>TL5T5&?^43SF7XBPD'L,R`U('4@#2!-("T@
M;2`=(%T@/2!](`,@0R`C(&,@$R!3(#,@<R`+($L@*R!K():%J(RH@J@:1A&?
MT3W7-WPFHJ,^\XF12O-!244B[^6'?](6(#H"E4ZK(:HC:J!6$Z-:B-J(.JC5
MQ:@>HCZB`6H-,6J$:(QH@EI3C)HAFB-:H-82HU:(UH@L"\6L\I4XF?!0=JUJ
M)"[B./%J)&(Y_U`X(5X87-[VVY]EA[9;.MV[LN2EZ?`W.!(6*E$K>L)4,T-U
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MW6&QG)G3%H.>#,N+E46\5O+^B\Z;O@P*7=:`F6ISR$Q=UHA9P6L@2R_CH^IC
MC@@O/IF"]DPPX3#5X)29:G#&S&_03.2U96S.$3<;7'"8:G#)3#6X8A9.7-'4
M^K_F,)4XFDJ!/4/>HZDD/4M'4%^GCN:2C!,SX->3D<MF"MJ4ILDE6_":C<XN
M<>0?GEW_W4;DOSB(3#H?&?G<UY-.AJB!K(K7_;2E&7DU?VO,?*FKDTY64P/;
MX&I*OLE,R;>8A6?)E4F'371"5>5JTV6FFNA)5DC=FF'8P$!6S*MK&#)3#8PD
M*QA>`VCXL8S(JQ&:,%/J4V9*?299H([S=RXC0NH+9DI]R4RIKYB%Q__*W,'A
MH;DCH6J#YDX`"R:OP#11)/07N1]?S!2I=V6FB)<8__M,"5Z%J.LOB\]4A.4+
MD:F>U;;-"H?Y'S+Y+^]E5;4\U3A.#4F=F6JVP4SI-9DIO18SI==FIO0ZS)1>
MEYG2ZS%3>GUF2F_`3.D-F2F]$3.E-V:F]";,E-Z4F=*;,5-Z<V9*;\%,Z2V9
M*;T5,Z6W9J;TR,LRF4J0O"QA>)^"+9SL'<05Z3Y*[1=IS42T%4@]K^7H5B#>
M=MPR^-1Y_^J9)'P#%KPT49=6%I]7D<.C!S&F=N-445%R+17?#@85):HAJB-J
M(&HB:B%J(^H@ZB+J(>HC&B`:(AHA&B.:()HBFB&:(UH@6B):(5HC(B-#ULC'
MR*XDG/P9CO/MZ7_]Z7]2=;3/KW;%/AS<V-;Y$%]V>LYC[']W2JWQAZ=:D?@D
MU=L6-%[V/E45^X5>8)+4U1II*O!.?+0:%C5.EW%%2O3J:D&6"KQ9KTF5<U3@
MK25Z09X*O`5%+RA0@3?UM`(ZM:`2;UO32NC9JR2>X;'#],A>$D_?6$(/VR7Q
MW(PE])A<&E\MH0?<DGA6Q3KT:%H23YE80L9)4;>OEE6+)3HMPSK-8HE.OI!W
MBR4ZQ4(^+);H1`KYM%BBTR7DRV*)3HJ()WD@Z9OB]\VKW=N<7_<G-W:P7\B9
M*>\TY^Q_E>S_<0E6T&?G0E\3>XOI&WT^;M.'>"GQ9N7%<2[R#]$`?Y#^]"\`
M``#__P,`4$L#!!0`!@`(````(0!J9/!?TQ<```2%```9````>&PO=V]R:W-H
M965T<R]S:&5E=#(P+GAM;*R=6W/;N)9&WZ=J_H/+[R>VKKY4DE,=B1+O=W*>
MW8Z2N#J.4K:[T_WO!R3Q:1/X)$J:,R_M].+&`DT`F^0F9;W_]]_/WR_^VKR\
M/FU_?+@<O;N^O-C\>-Q^?OKQ]<-E5:[^=7MY\?KV\./SP_?MC\V'RW\VKY?_
M_OC?__7^U_;EC]=OF\W;A3+\>/UP^>WM[>?]U=7KX[?-\\/KN^W/S0^UY<OV
MY?GA3?WOR]>KUY\OFX?/;:/G[U?CZ^OYU?/#TX_+SG#_<HIC^^7+T^-FN7W\
M\WGSXZV3O&R^/[RI_7_]]O3S%;;GQU-TSP\O?_SY\U^/V^>?2O'[T_>GMW]:
MZ>7%\^.]]_7']N7A]^_J]_Y[-'UXA+O]'](_/SV^;%^W7][>*=U5MZ/\.]]=
MW5TIT\?WGY_4;]`<]HN7S9</E[^-[NO9S>75Q_?M`:J?-K]>>_^^>/VV_;5^
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M.N83QXS,B`4BF@35:)<V<&RPLL':!JX-/!OX-@AL$-H@LD%L@\0&J0TR&^0V
M*&Q0VJ"R0=T#5VJ(=^.LAO;_8YP;33/.&*%/`#+P8VM0$8$F2QLX-EC98&T#
MUP:>#7P;!#8(;1#9(+9!8H/4!ID-<AL4-BAM4-F@[@%C4%5NID&=J$2T_[2/
MM=JT4B?X_EJ=7IN#]JF+F:M<*@O:#%GL0G8#2\0ALB*R)N(2\8CX1`(B(9&(
M2$PD(9(2R8CD1`HB)9&*2-TGQEBKLRJ-=7.&/3-1-YH/E_/A3*V#AD9_%[(;
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M(CZ1@#PAQ41$8B()>5**R8CD1`KRE!13$:G[Q!A`=4(T!K"[_7W7U)W>OCT]
M_O%IJQ:PNJ?:,[`3=9O;W?PV$G-<.Z(NSW;CJDEO7#LR53]ZZ7MJKF=G%P31
MBLB:B$O$(^(3"8B$1"(B,9&$2$HD(Y(3*8B41"HB=9\80]T4TO[SL6XMYF!K
MU%R,[T9R/+.J'PM$]6:`1C/S##ZSIH!$[>8`HS7K78F2_9I/YZ;>DRCH?48!
MZT.)ZNMO3'TD4=#'C!+6IQ+5U]^:^DRBH,\9%:PO):JOMP:MDBCH:P.9$ZRI
MO?1K:7N2ABJG(VLT]5PK;6AT;"9U#56=%3NUU`UG:HM,P1MK+!R)0L,5HS4C
MEY''R&<4,`H918QB1@FCE%'&*&=4,"H958QJ`YFCWQ1ISAC]KJ:C;L0Q%I^:
M:KV:$%/U8S>(\YE5F5GHJ%'[-$E72;N&(W$YB%+9<.>BG+324:IVC9U8HZ'H
M72#1>T"#>I_U`1J*/@02?00TJ(]9GZ"AZ%,@T6=`@_J<]04:BKX$$GT%-*BO
M#;TYDYH:T!DS29>,9`\^-0]MU$P:]]/!?&;?[B-JO!O])9!J+]-F;MU3.HB:
MMH7^B7K4:YU45HB0"Z`UD/3F`@WVYB'J8&\^(J2W`$AZ"X$&>XL0=;"W&!'2
M6P(DO:5`@[UE.FJJZCYRO.T')SE<TF,!)#V60(,]5B?U6,/5]FA.SJ9$=<;D
MU!6M_N3LD)7FK#FV:)XBJBELI#F-Q.7HJ%ES+?[7Q]%T='=C72&L=(B1X\CM
MHCMQ>\?=/KL#B"1%A$#BCC2:JAO+P^,>LSZ!2_0ID.@SC08.2\[N`B)QET#B
MKC0:WO7:T)L3J*F'G3&!FG#K>KM#5G:S*R'-1523`V6%+('FNX3G`'7+?70[
MNK4NFE:(D,6W!A*U"R1J#TBK;VYNK:GI(T+4`9"H0R!11QH-IXT8#46?`(D^
M!1)]!J3W?'H[ME9GC@A1%T"B+H%$70%UZO&=?>:H$=":S8G3%-W.F#A=C<ZX
MP.J0E7FL6^Y%\^J!G7DTDF7@Z"B]Q.:WU]8A6ND`(^^0V45G8O:.F7TV!]#(
MT@V!Q!P=,\=L3J`1<PHDYDRCX:20L[Z`2_0ED.BKD_2UH3>G3E/`.V/J=/4^
M8^ITR,@Y4VO(%^ID12E'(UD"#J*Z)3"9\LS1;61QK=%&%I<+)&8/".:9E1-]
M!(@Y`!)S""3F".B0.4:`F!,@,:=`8LXT&DYE.1J*O@`2?0DD^NHD?8V&K=Z<
M.4WEL#]SVH+^O'F+;E]-L'][W]4<C4FDRY#F#9Y5[UFHVSC*/QK)DG!TE,X_
M-S>3L3T=5SK$R$#D=M&=N#W;/9K.K;M0G]T!1+*40R!Q1QH-9XJ8]0E<HD^!
M1)^=I,]97\`E^A)(])5&NZ/.1Z8VW.9<4C>$QEPZ4A]JPJTKGPZ96<BZJE@T
M;['9%SX:R<)P$(43\;6E62%`EMP:2):<"R1F#^B0V4>`F`,@,8=`8HZ`#IEC
M!(@Y`1)S"B3F3*-C64@?1M$7<(F^!!)]=9*^1L-6;\P<M83/F3EMN#ES-#(N
M?:BTI(-4-D0Y:`DD:\#12*^!R7P^MZJF*QVA?L"SAD?4+I"H/8T.JWT=H7Y`
M'<`CZA!(U)%&A]6QCE`_H$[@$74*).I,H^&4ENLH]0/Z`B[1ET"BKS0:UM<Z
M2OU0>G/R-.7B_BEL..TTR<5*.QH9:6<^LVH^"T3)4E@"R5)P-)JJ\Z?<^=H/
M2U9H*"MM#21Z%TCTWDEZ'PU%'P")/@02?722/D9#T2=`HD^!1)^=I,_14/0%
MD.A+(-%7)^EK-&SUYDQJZLQGS*2N+-V_`FK>,%:3RTA#\YEUR[W0448>ZAK.
MU`^9-E28U`WU(E<?/)C<6G=W*QW2K9.V?+[F[ER(!KOS$-55G_9UYW-W`7<7
M0C38782HP]W%W%W"W:40#7:7Z:CAO)-SCP7W6)[48W52C[71HSD_5>GSG/G9
MA%NGR0XU2V`WS>8SZ])H,=91LMJ60++:'"!]SW1].YI8HA5"9"6O@<3M`HG;
M`]+NT61\8]V,^@@1=P`D[A!(W)%&P]=",1J*/@$2?0HD^NPD?8Z&HB^`1%\"
MB;X".GQD:H2T;G,"-87A,Q)<5T<V$ER'S`1G/W@94_UY"23G?4<CG<RFH]G,
MNE-<Z0@CEY':9;5W5.VS.H!'KE9"(-GKZ*@Z9G4"CZA3(%%G&AU+2-T1Z!V4
M`B[1ET"BKT[2USIJWW564W`^8_)T]6EC\G3(RC[6U?6B*3U8]W=`L@X<(+T.
M;J]O:?9HCRRQ-1K)$G.!1.T!=>KI]>S.RFL^(D0=`(DZ!!)UI-&QW$-[GL`E
M^A1(]-E)^AP-9>\+(-&70**O@`X>F!H1>U)/4QL^8_9TI61C]G3(3#UVX68Q
MIAKT$DC6@J.1SCVC&[Z,ZC2]5;:&1E:9"R1F[YC9UP$]<P"-F$,@,4?'S#&;
M$VC$G`*).=/H6.*A0U+`)?H22/352?I:1^U+/$V]^(RITY67C:G3(?74%_>F
MB[%&O9>,-.J_B<IHQ6C-+I>C/$8^HX!=(4=%C&)&";M2CLH8Y8P*=I4<53&J
M#61>C33%VOZX_I]>3AUW)5]CN'456!+<0D>IQ[:8`4N-S!=4Y]:UC"-1:+AB
MM&;D,O(8^8P"1B&CB%',*&&4,LH8Y8P*1B6CBE%M(',&-`7'_WP&=&5+8P9T
MJ'G8NKO/H=?#%F,=U9\4'3KRRJINJ*)D4NP:`JU9[TI#V2]^956BX/(9!:P/
M):JOM\H/D41!'S-*6)]*5%]O71QE$@5]SJA@?2E1?;UU>5A)%/2U@8P)UGQ8
MU)A@P[7!-MR\8];HR$Q"5&\F:73DE56)PF^S8K1FY#+R&/F,`D8AHXA1S"AA
ME#+*&.6,"D8EHXI1;2!S],^K#$^X,JR1><U)SQ5T5+^>!R2700Z02A2'<])*
M1_4N#]=H*%=9+I#H/:!!O<_Z``U%'P*)/@(:U,>L3]!0]"F0Z#.@07W.^@(-
M15\"B;X"&M37AMZ<2:J4>$X>:<*M/-(AZ][7NMI83'24W(<M@=35MTP;J@PC
MZJ9]47`\OQU;3[17B)"+HC60].8"#?;F(>I@;SXBI+<`2'H+@09[BQ!UL+<8
M$=);`B2]I4"#O64ZRGR`0Z^LPB4]%D#28PDTV&-U4H\U7&V/YN0\KRP\X;*P
M1E::LRJN"QUEI+G.I=X)P.G+T5$WW6B-9J,9E85UB)'CM$B6L8ONQ.T==_OL
M#B`2=P@D[@C(2!'VN,>L3]!0]"F0Z#.-!@Y+SNX"(G&70.*N@`9WO3;TY@1J
M2HK]R_`C5TE=!;)_O3W114GSN8+U>M8"4;)"ED!297*`]`2:W(PMSPH1LOC6
M0*)V@43M`6GU=&R_GNDC0M0!D*A#(%%'&@VGC1@-19\`B3X%$GT&I/=</1"Q
M3ATY(D1=`(FZ!!)U!=2IQW=3JY!:(Z`UFQ.G*52>,7&ZNJ8Q<3ID91[KH>9B
MTD49F4<C60:.CM)+;#ZYMC0K'6#D'3*[Z$S,WC&SS^8`&EFZ(9"8HV/FF,T)
M-&).@<2<`0TFA9SU!1J*O@02?04TJ*\-O3EUU#GQG*G3A%M75!TRKJCL=P07
M$QTD2V`))$O``=*KZWIV8[W\L4*$K*XUD*A=(%%[0%#?V.^:^X@0=0`DZA!(
MU!'0076,"%$G0*).@42=:32<S7(T%'T!)/H22/352?H:#5N].7GLBO#);ZU.
MN#BLD96"K"2XT%%&"M(E9%D5CH[2*>A&/92ZHR34M3*2D!;)BG/1G;@]RSV:
MW]BO*/DZI.<.(!)W""3N"&AP-<>L3]!0]"F0Z#.@07W.^@(-15\"B;[2"$=]
MSY&I#;<YE^PJ])&+'RXW3SID)B*K*K9`D"R,)9`L#`<(YV+[\=8*`;+DUD!B
M=H'$[`$=,OL($',`).802,P1T"%SC``Q)T!B3H'$G&ET+`OIPR_Z`B[1ET"B
MKT[2UVC8ZLV9HZ;S.:>P)MPZA77(2#U<7>J"C,RCD:P!9](AO08F\_&($D\7
MT4L.:]VHIW:!1.T=5?LZHJ<.X)&5&P*).CJJCEF=P"/J%$C4&9#ZK:5N8M_/
MY:POT%#T)9#H*Z!!?6WHC<DS/:\RW8:;DT<C(^W,[<+0`E&R%)9`LA0<C=1*
M:S]G.K?G#IK(&EL#B=@%$K%W1.RCB8@#(!&'0"*.1#PPO#$:BCX!$GT*)/I,
M]'L/2(XF(BZ`1%P"B;@2\<!^UVC8ZLUY<UY->\HU;8V,I,-O.^NH7FI8`LDJ
M<(",54!O.^NH7GI8HZ$L,A=(]![0H-YG?8"&H@^!1!\!#>ICUB=H*/H42/09
MT*`^9WV!AJ(O@41?`0WJ:T-OSJ3S:MK-?+%.7QJ9&8C>=D:4K(LED+HYD]QL
MIRX'4=V%Q4S]R7WZ*"%"9!FN@:0[%VBP.P]1A[OS$2+=!4#270@TV%V$J,/=
MQ0B1[A(@Z2X%&NPNTU%'KJ7@DAX+(.FQ!!KLL3JIQQJNMD=S?IY7UIYR65NC
MIHO=-..WG764D>FXK*VC<'TUFJE/))I_JVFE0XPTQV5M="<KV;/<8_7%`-;3
M&Y_=`422)4(@<4=`1I:P+X-BUB=H*/H42/09T*`^9WV!AJ(O@41?:82CON?(
MU(;;G$#GE;6;ES+M!+>OK&T57A>ZG7IM'\]`ED!RWG>`NN4^FLWIU@X1LO;6
M0*)V@43M`1U4^X@0=0`DZA!(U!'0076,"%$G0*).@42=:70L(>D1$'T!E^A+
M(-%7)^EK-&SUYN1I"L.GE[:;7\.>/!VRLH_U.LM"-S2RCZY)RSIP=)1>!^,Y
MO^VL(XSDHSVRQ%ST)FK/5*NBN5U#]5D=P"/J$$C4$=!@<HA9GZ"AZ%,@T6=`
M@_J<]04:BKX$$GVE$7(/'YC:4)NS1YT:SYD]3;AU=]<A\]K*SAF+J8Z2M;`$
MDK7@`'6K>'Q]:S]00X"LLC60F%T@,7M`A\P^`L0<`(DY!!)S!'3('"-`S`F0
MF%,@,6<:-8.WNRH8VV?$'`U%7P")O@02?762OD;#5F].G:88?$;BZ6K'_6=J
MS7O<:C:9B6=NC?E"1QF)1]>A91$XB+H[5!CHFAAI1UMD=;FPB-@#.B#V]?:>
M.$`3$8=`(HZ`!K-"S/H$#46?`HD^`SJPWSF+"S01<0DDX@IH<+]K0V_.F_/J
MV.HM=THY'3+_`K=="EKHABI*+G=V#8$<CEHQ6C-R&7F,?$8!HY!1Q"AFE#!*
M&66,<D8%HY)1Q:@VD#G4:HZ<DR*:<.OLTB%KJ.UG7LVK\:JA,=2$'(Y:,5HS
M<AEYC'Q&`:.04<0H9I0P2AEEC')&!:.24<6H-I`QU,V+Z&<,=1MN#K5&UE!;
MS[<7$H4EO&3D,%HQ6C-R&7F,?$8!HY!1Q"AFE#!*&66,<D8%HY)1Q:@VD#G4
MYU5VFQ?+K56MD374UNO_"XF2H>Y<O87N<-2*T9J1R\ACY#,*&(6,(D8QHX11
MRBACE#,J&)6,*D:U@<RA/J_TVOQ5"'NH.V0-M?W063?LC>N2D<-HQ6C-R&7D
M,?(9!8Q"1A&CF%'"*&64,<H9%8Q*1A6CVD#F4)]7Q52?2*6A[I`UU'8=03<T
MAGK7$`O=X:@5HS4CEY''R&<4,`H918QB1@FCE%'&*&=4,"H958QJ`YE#?5Z]
M<<;U1HW,H;ZQ:L$+B<*X+ADYC%:,UHQ<1AXCGU'`*&04,8H9)8Q21AFCG%'!
MJ&14,:H-9`YU4UH[_29]UE7B^C?I&EE#;=>6)4J&NG/U%KK#42M&:T8N(X^1
MSRA@%#**&,6,$D8IHXQ1SJA@5#*J&-4&,H?ZO%+>C$MY&EE#;3T]6DB4#'7G
M,H::T(H;KAFYC#Q&/J.`4<@H8A0S2ABEC#)&.:."4<FH8E0;R!SJIG)UQJKN
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MOVT>/F_4=\1?-U^N^66[?</_J!V]^K5]^:/]KON/_RL`````__\#`%!+`P04
M``8`"````"$`%RL'/;L:``"SCP``&0```'AL+W=O<FMS:&5E=',O<VAE970Q
M.2YX;6RLG5MSVSB3AN^W:O^#R_=C6T?;K"1?Q1+/9]8>KCV.DK@FME*V9S+S
M[[\&@58#>&%9\N[-./.@\0)D`R"Z29$?_O7WPX^3OS9/S_?;QX^GD[.+TY/-
MX]WVR_WCMX^G__U?R6]7IR?/+[>/7VY_;!\W'T__V3R?_NO3?_['AU_;IS^>
MOV\V+R>D\/C\\?3[R\O/Z/S\^>[[YN'V^6S[<_-()5^W3P^W+_2_3]_.GW\^
M;6Z_C)4>?IQ/+RZ6YP^W]X^G6B%Z.D1C^_7K_=UFO;W[\V'S^*)%GC8_;E^H
M_\_?[W\^L]K#W2%R#[=/?_SY\[>[[<-/DOC]_L?]RS^CZ.G)PUV4?WO</MW^
M_H..^^_)_/:.M<?_`?F'^[NG[?/VZ\L9R9WKCN(Q7Y]?GY/2IP]?[ND(U&D_
M>=I\_7CZ>1(-EY/3\T\?QA/T/_>;7\_6OT^>OV]_I4_W7ZK[QPV=;?*3\L#O
MV^T?RC3_HA!5/H?:R>B![NGDR^;K[9\_7H;MKVQS_^W["[E[04>D#BSZ\L]Z
M\WQ'9Y1DSJ8+I72W_4$=H/^>/-RKH4%GY/;OCZ=3:OC^R\OWCZ>SY=GB\F(V
M(?.3WS?/+\F]DCP]N?OS^67[\+_::#RBG<C,B-!?([(XF\POEDIB3[6YJ49_
MW]\V-3$>`/TU(I/%V>7DXGIVN;_UI:EX*16OS^;3Q>75>.A[^DUS9VR2_IHF
MYW+*]M2[-O7H;^!X]U2<T+`86U3_,%6I\7TUV*\3^@>?EP,/;T)C0;<F@V)^
MB#\G/`[4/XX\0AX+$QD,R[/IU6*R>&L4J=&NNVL-@4,/E0?!A/YA>GS8H=*H
MT8W*\)E-#CI)/'HF,GPF^[M[KN?LN`2L;U]N/WUXVOXZH765?/O\\U:MTI-(
MR?'DUP-CMQR\MAK0,J!4/BN9CZ=4GR;Z,RUA?WU:7%U^./^+EIT[8W.#-A/7
M8L46:HU1LFL?Q#Y(?)#Z(/-![H/"!Z4/*A_4/FA\T/J@\T'O@\$"Y^2>G8]H
M#OU_^$C)*!_QV;UA($Z;>@YA"ZZR]D'L@\0'J0\R'^0^*'Q0^J#R0>V#Q@>M
M#SH?]#X8+.`XA-8F<,B,UM7P%9/GB*I%UT9GCERY)_Q&VRQI1=A-I*5KLMJ9
M[)P")`:2`$F!9$!R(`60$D@%I`;2`&F!=$!Z((--'!_110!\I-;Y(Q<V)?/Q
M=+E_93-&^[RV,]EY#4@,)`&2`LF`Y$`*("60"D@-I`'2`NF`]$`&FSA>(P<Y
M7ML_HY3UZ!P^J3>&T/9H-W\65]?>#-H9<;4UD!A(`B0%D@')@11`2B`5D!I(
M`Z0%T@'I@0PV<7Q!^YDC?*&L75]H<DGKHOCB^L+SQ<YHYPL@,9`$2`HD`Y(#
M*8"40"H@-9`&2`ND`](#&6SB^(*6EB-\H:Q=7VCB^<+??NV,=KX`$@-)@*1`
M,B`YD`)(":0"4@-I@+1`.B`]D,$FCB_H6G"$+Y2UZPM-/%_X.Z^=T<X70&(@
M"9`42`8D!U(`*8%40&H@#9`62`>D!S+8Q/$%+?1'^$)9N[[0Q//%S%NC=D8[
M7P")@21`4B`9D!Q(`:0$4@&I@31`6B`=D![(8!/'%RJSX#A#Q9+3Q1E=8([<
M=(U*KJ,,\CPU]SPE5CM7(8H1)8A21!FB'%&!J$14(:H1-8A:1!VB'M'@(-=S
M*O*TLP#[MUTJ(>3-(X,\]RQ\]^B*9"7N`12+%ELEB%)$&:(<48&H1%0AJA$U
MB%I$':(>T>`@USTJ#CW"/3ILI9B%S]^-RL>1QSSW^)&E6''%-:(848(H190A
MRA$5B$I$%:(:48.H1=0AZA$-#G+=HV+0(]QC0E;;/1I-%A0767ME+X&V4CE1
M\J(R$P<ABP-V28"E`98%6!Y@18"5`58%6!U@38"U`=8%6!]@@\M<?ZGH\PA_
MF6#5]I=&WG3R<CDKE8?6DTZ\!2A&JP11BBA#E",J$)6(*D0UH@91BZA#U",:
M'.2Z1P6D1[C'Q*^V>S2B(<`G?J4R/VKJV#-'H[E4C(V5A1)$*6IE:)4C*A"5
MJ%6A58VH0=2B5H=6/:+!0:XO5$!J^T+?'CA3]\5>OM_?_7&SI?6*+N&!#<.,
M;@.8FP,ZK'4N2!I1R^(B@VP7:32G+:>U+'KIG%C=>"'?DA5K)8A21!FB'%&!
MJ$14(:H1-8A:1!VB'M'@(-=K*G3UO38E+QV[#=<AL.,W$Q73?F+GD>G"\\AJ
M8JQD`JX9T0*XJSB;>QO$6*S$E49+AD7*5C)X,D:V_/+"2S;E8L7R!:*2D<A7
MC%QY+V:OQ8KE&T0M(Y'O&+GR7G#3BQ7+#PYRQX`*F?TQH&YK'S=S=>#MC``3
MBT]WLVVE[ANJ"YWM;HVL.1D;*PLEB%+4RL1*AL[RPDM>Y6+%9Z=`5*)\)5:V
MO)<#J,6*Y1M$+<IW8F7+>P._%RN6'QSD^E:%X+9O`ZLO/3>Q6WYUQ.XX42.U
M)NQFX_("X@%C):Y>3PQ:[KP?&S17`XMO_L*2D'!%&?4I(Y'/&(E\?I!\P15%
MOF0D\A4CD:\/DF^XHLBWC$2^8R3R_4'R`U<<Y1U73_V<RGY7C^9NXL2@.5TD
M=^Y97OBAA;&B]83'W]J@A;/4+[TU+V8K=;7_Z]/R:N:-[,08T!]63@VR&LL8
MT;*QZ^74;RQG*QJ$8C7SKCZ%L:(_W&+)%>7P*H/V'U[-5J\=7F,,Z`\WUAID
M'5[':._A]6RU]_`&8T5_J$5WL*A<RN'K@IK]M&S;ZX)!<PHJ=R=X-O&6VI6Q
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M48.H1=0AZA$-#G*]IG([]@P:;T71Y>#(")@N'>`WC2YI>=Q=(F&[NS(5[9"(
MD1WD800L5N)*TZ+,W)2MY.J3,;+E,0(6*Y8O$)6,1+YBY,I[%_1:K%B^0=0R
M$OF.D2OO1\!BQ?*#@]PQH-)"_A@X.@*>ZN22L[AJ1".`>[$R5HZ[M945[L;&
MRD()HA2U,K&2,8<1L%AQOPI$)<I78F7+^Q&P6+%\@ZA%^4ZL;'DO3NC%BN4'
M![F^54DAV[=OA$4ZA^0X42.US]I-8XR`I\9*7+UF)%NZV"!W2^<GQ1*N**,^
M923R&2.1SP^2+[BBR)>,1+YB)/+U0?(-5Q3YEI'(=XQ$OC](?N"*H[SK:I5)
M.L+5.O'DN%HC9[\;B("UE16UK:<&T9_=&(&@-#96EY=CG+.X]L.EQ!@X.V!H
M+#NHL9RM]FXM"VRQY(JR<ZT8[3V\VEB]>G@--M:RLC36,=K;6,]6>P]O<%IT
M!PM5/&:P*'-O6Z;16Q&PMJ(M/"]6ZZE!,O1C1GID3&:7EY@=,;5D6J5<2[0S
M1J*=&^2N.1@!@WS)6B)?,1+YFM'K76_81+K>,A+MCI%H]P;M[_K`%7%%4$_:
M'^'DT=QULD'.BH`1L+&R5P1&$NS%!IGY<7EU[>V)$F-@3W^6D?F1,1+EG!'Y
M4)8?<#'*EUQ1Y"M&(E\;]&K'&U1N64:4.T:BW#/:V_'!D7=F\4SE;0Y?\D=S
MS\$Z\^/,XN6%ERA<F8KV+&8DPS4VB(:KRG!.EMZF-.$J,@]21C(/,D8BG(OP
M7O_J0Z%]+B\U)6N)?,5(Y&N1#_:[X2HBW#(2X8Z1"/<BO*??`U<,S%^563K"
MO3H195_19QHY\W<)&2QCY<Q?79%NK?#)C-GJ^C7WZBK.]#4J,@LR5A'AG-'>
M65`8*TN^Y(HB7S$2^9K1*_UN4+CE*B+<,1+AGM'>?@^.O#M[_>S5NQ\#G6%B
MRR#GR9NEO^-:B16[>8TH1I0@2A%EB')$!:(2486H1M0@:A%UB'I$@X-<SU'T
M?<S$5.;>NJN1YQ[OBKB:[:S$/8!BM$H0I8@R1#FB`E&)J$)4(VH0M8@Z1#VB
MP4&N>_RDUOZ@=X:Y*X/<YPR7$R_27UEFXB"M9C][&`?LD@!+`RP+L#S`B@`K
M`ZP*L#K`F@!K`ZP+L#[`!I>Y_O(34&_X"S--,Y-ILG]"M9QX&Y"56(FW=A49
MQ6B5($H198AR1`6B$E&%J$;4(&H1=8AZ1(.#7/<<ET.:80[)(/LY0T:2JUT;
M9-]E090@2E$K0ZL<48&H1*T*K6I$#:(6M3JTZA$-#G)]H?(A]I;P77=99CJK
MXNP4-;+OLA@K^RZ+0<Y=EL6U%R[$8L63*D&4(LH0Y8@*1"6B"E&-J$'4(NH0
M]8@&![E>HRTB>$UE5(^\RS)3.MY&0J,W[K*8BG;:G1'M)W9!,]YE$2MQI6E1
M9F[*5A(A98QL>;S+(E8L7R`J&8E\Q<B5]_9/M5BQ?(.H923R'2-7WKN>]&+%
M\H.#G#$P]Y,Q[YJYHXH[`@RR[[(PDKO::X.L6RHQH@11BEJ96,G0P;LL8L5G
MIT!4HGPE5K:\M_>JQ8KE&T0MRG=B9<O[=UG$BN4'![F^/2X/,]>9"GOY->B-
MNRQL)6F'-2-).\0&N6E#N,O"%674IXQ$/F,D\OE!\@57%/F2D<A7C$2^/DB^
MX8HBWS(2^8Z1R/<'R0]<<91W7:U2&O8%>/]>=:XS((ZK-?)R,M[X6YF*=D[&
MH/T/XL5LI1\TFDX7WL1)C(&52$FQL8S1WML0.5O1)6%W$9E"YA5;++FB9%@J
M1GM;K-EJ;XL-MMAR16FQ,VC_">W9ZK43.CB-N8/%S_"\,5@PC:,2LW3%=_.S
M$__Y8V-EYV<9R="/&9F']2XFWK.M"1O(I$H9R:3*&(ER;I"[XN`PT,=B)VA9
M2^0K1B)?'R3?<$7I?<M(Y#M&(M\S>NV\#&P06`UH@W#,:J#,O:NW1G9H-#=(
M-EAK@^S0"%&"*$6M#*UR1`6B$K4JM*H1-8A:U.K0JD<T.,B=;'[6YWT;+$P&
MJ6%-7K-#(T:VB[25$QKA`VBFHK4-2Q"EB#)$.:("48FH0E0C:A"UB#I$/:+!
M0:[7_-S/F`0_/C12EU-_:IG<#EUOY>+D[X-6IJ(=&C&B>;BKB*&16/$.,4&4
M,I)5*6-DRV-H)%8L7R`J&8E\Q<B5]T,CL6+Y!E'+2.0[1JZ\'QJ)%<L/#G+'
M@)]@>M_,Q;S37",G-#+(#HTTLN9D;"I:*$&4LKQH96(E0R<0&D&+A53D$U:B
M?"56MKRWPZO%BK4:1"W*=V)ERWM;TUZL6'YPD.M;E5<Z8K^LTU#.?EFCMT(C
M8R67^C5=+=620`_'<3]C@]1RM)O9\$QJPA5EU*>,1#YC)/+Y0?(%5Q3YDI'(
M5XQ$OCY(ON&*(M\R$OF.D<CW!\D/7'&4=UVM$D-'N%KGD1Q7:Z16BIU[EA-O
M_*W4)59=CV4GOV9$'M]5Q`?0C)5YD&,VG7H_Y4B,@1,:06/908WE;$7UI4NX
M)];R5HLE5Y3#JQCM/;R:K?:VV!@KJ\66*TJ+':.]+?;&ZM43.CB-.8-EX:?#
M]H=&H[F[<S9(;<YW)W@)H9&QLD,C1C+T8T;F*:[IU/OA0,(&,JE21C*I,D:B
MG!ODKC@P#+BBR)>,1+YB)/+U0?(-5Q3YEI'(=XQ$OF?TVGD9V`!7@\5Q.;'1
MW'.P3I--%OJ!HOEDZ9^WE:FE3'B-7P=8'&!)@*4!E@58'F!%@)4!5@58'6!-
M@+4!U@58'V"#R]S)>%Q22R5,O+VV0788R\B*D0RB2PA[*T:4($I1*T.K'%&!
MJ$2M"JUJ1`VB%K4ZM.H1#0YR?:&R)/95]%V;8?JU'KA((SN,-5;V'3Z#U,)M
MK:I>IB@6*W9D@BA%E"'*$16(2D05HAI1@ZA%U"'J$0T.<KU&X9#CM3<N9\K<
M6^TT>N-&GGKQ%56THU5&5&)YS+N`Q6(E'C-:,D%3MI+E-&/DRGNW?'.Q8OD"
M4<E(Y"M&COS4^VUL+58LWR!J&8E\Q\B5]P*F7JQ8?G"0ZVJ5Z/F_3U"=+K)W
MOW01&WTKE^05(XDPUP;1!.6^QH@21"EJ96)E#1U_5YR+%;=8("I1OA(K6][/
M1(@5RS>(6I3OT*I'-#C(=60H]32A+[($W])$:6M^3\@"<TT&N4$J1"YL)1Y>
M,[)WL1BYL)5.40=NZK"!#/V4D326,9(=7B[(]I&7SBF,U41=MF21F7J16<EB
MTF3%2)JL!=E:WCV-YI4FO2M1RV+29,=(FNP%V4UZ:^3`5N-)=(>*2MC`G#]D
MJ.A,CS/-3?+'/I60@U@MM)4=Y#*R=T_&RKY:@U9B*EHA7\I:$O)EC$0^9[17
MOD#YDBN*?,5(Y&M!ME>\2TO#5NKB:XT]&`APPCJN*4WV@BRMF9<'&(R5/F'N
M0%`YI7<-!%71N^)KY*T9WCQ8+8R5#/`U(QG@,:/7[F$E;&`O$*"<L94HYX+L
M,^9=H`NV$OF2D72\8B3RM2!+?NJ=A,98^>L/C`$XHD[T^>K2"[*:G'F7I8&M
M`HL!38?WC0%5T1L#&JE;R+NQ#1-XM=!6SF)@D(SMF*VHY'6MQ%@YBP'(9ZPE
M\CFCO?(%RI=<T5X,H/<U6Y$+=[U?3F$Q,!7?6@S@B#K1EX&PZX75Y,S;'`[.
M$3F+P?*X'-9H[KK?($EQ3"^]2^_*,N&.KP,L#K`DP-(`RP(L#[`BP,H`JP*L
M#K`FP-H`ZP*L#[#!9:ZOCDM'+77NR;YN&V2G.!A)!+4VR$YQ($H0I:B5H56.
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MC*3)7I#5Y,P[RH&MQI/H#I7W9L.6F`TSZ(VHQEC940TC"3MB1K17W\4%$"$E
MQLJ.:KBBA!T9(Y'/&>V5+U"^Y(HB7S$2^5J0]!ZC&K9Z(ZIA,VFR8R1-]H*L
M)B'%8:P"*0[U34U<_`]9,W0&QKGB:^2M&=X\6(TMTH,Z,L#7C&2`QXQ>NQ>=
ML(&]0)CV13EC*U'.!=EGS$]QL)7(EXQ$OF(D\K4@2QY2',;*7W]@,8`CZD2?
MKRZ](*M)_YTZ`UL%%@.52+'W>N,&X)`QH#,PSAC0Z*W%0%LYBX%!,K9CTE5;
M"O4:Z'V+@;9R%@.0SUA+Y'-&>^4+8V7)EUQ19F;%2.1K0=+[P&)@NOK68@!'
MU(F^#`1C17]V)VP)*0Y3,;08T*F`@:">)'AC\Z^J>5L_C>CK0-RYU7*'U(M7
M?O,FW%J*[;[+XN%<OM2;%-[1T;&:VU&#[(X*&COJ;>_64FQW5&:NVU$_$:&F
MUNSJ3+V?<?])O<2<A$%.7[45H;&O7ARPEAIV7R64TGT]M[Y__K!Y^K99;7[\
M>#ZYV_[Y2+V=T$K]Z<..GSQMOGX\O9G-(O7*#/(NE,RI9`S!H&1!)>/R`R5+
M*AD74;]D,8G4LRR!=I87D4H!!4JNHV&\7^IK3:@&?>TM4&-"K="'QD(E4RH9
M1S&HT1G0Z2$HH3.@4Q!>R>=)]#FL115"K5/C07MU\@/VG^?19W)YX#"H1T&7
MD$>"#B%_!-UQ&0WCJN<=V,U5-(Q+G\<I((M4;(4]HM`Y4B$6EE`$':E@.%0R
MIY)0'8J4(Q5181T*F.E00B64O(M4:@[K4"J.>ATJH<0:]2!40FDR:B=4LEZ2
M%RG1@NW<4-]N@GU;4<DJ6+*F$A4,HQKE.B(5$V,)I3SH>$)GE)X)B-3M?:Q#
M3V]$ZBX_EM!#')%Z'B-4LJ"24!UZ6"-2-_6Q#CVS04,P5+)>3"/U=!C6H:?!
MJ->A$GJVBWH0*J$GM:B=4,EZ02.$+K_8S@WU[2;8MQ65J,<UL,Z:2M3S&%A"
MC]M$ZK$,+*&G;NAX0F>4?F$0J1\+8!WZ+4BD?C.`)?23D$C]NB-4<DDEH3KT
MTX](_40`Z]`O0&CI"*G1[P>H)%2'?L`6J9^GH1K]'(V.)U1"/RZCOH5*Z*=B
MU$ZH9#VGY8N>M<5V;JC7-\&^T2^`HE6P9$TEZG<?J$8_ZXG4SS^PA'[=0\<3
M.COTLWDJ"5ULZ`4'Y+E0";WG(%*O+,!VZ%?R='9"=>A]!N2Y4`F]UH"N$B$U
M^E$\G;=0'7HK2Z3>N8(]H'>L1.H-*EA";TRA7H=*Z/TGU(-0R7I&%PQZ@P:J
MW5"O;X)]6U')*EBRIA+U,@-4HW=5D.=")?3*"CJ>T-FAUTI'Z@W1J$8O`(_4
MBZ*QA-X#'JE7>H=*:#8&Z]#[OB/U7FBL0Z_]INM^2(U>&DTEH3KTU8)(?9,`
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M`````/__`P!02P,$%``&``@````A`(;ULJ30"0``?BH``!D```!X;"]W;W)K
M<VAE971S+W-H965T,3@N>&ULI)K?;^,X#L??#[C_(<C[)+%C)VG0=M'$OW$'
M'!:[=\]IZK;!)'$19Z8S__U1%BF)HB=MI_.PWGY"T>)7E$39OO[CQV$_^%Z?
MVEUSO!D&H\EP4!^WS</N^'0S_/NO[,MB.&C/F^/#9M\<ZYOAS[H=_G'[SW]<
MOS:GK^US79\'X.'8W@R?S^>7Y7C<;I_KPZ8=-2_U$7YY;$Z'S1G^/#V-VY=3
MO7GH&AWVXW`RF8T/F]UQJ#TL3^_QT3P^[K9UTFR_'>KC63LYU?O-&?K?/N]>
M6O)VV+['W6%S^OKMY<NV.;R`B_O=?G?^V3D=#@[;9?ET;$Z;^SW$_2.(-EOR
MW?TAW!]VVU/3-H_G$;@;ZX[*F*_&5V/P='O]L(,(E.R#4_UX,[P+EM4T&(YO
MKSN!_KNK7UOG_P?M<_.:GW8/_]H=:U`;QDF-P'W3?%6FY8-"T'@L6F?="/SG
M-'BH'S??]N<_F]>BWCT]GV&X8XA(!;9\^)G4[184!3>C,%:>MLT>.@#_'1QV
M*C5`D<V/[OJZ>S@_WPRGLU$\GTP#,!_<U^TYVRF7P\'V6WMN#O_31EU$QDF(
M3N#:X^1"PRDVC&S#R6@1Q]%L,8?;7V@)OW;]ABO>,@Q'0329J6Y?:#?#=G#%
M=@%H?J'!'!O`E6)[9Q=ABG5=A"NVG(WFP>1J^D9H5]@.KA1:\*Z&*A(]F"J-
M<#0O=W:LTZ'+KF1SWMQ>GYK7`4Q9&/#V9:,6@&"I_*J\BHRT)M-^E6B08<K+
MG7)S,P0%H'D+L^/[;3R?7H^_0T9OT68E;0)NL28+E;[*;>*#U`>9#W(?%#XH
M?5`Y8`RR&&T@S84V:L[I+'JW-LJ-TH:B6A&P8H6>$&1!31(?I#[(?)#[H/!!
MZ8/*`4P(F+Y"B!DD2__B0SFA6L$RPW(BXH&NM,T,)IU)G!DW61L3(X8@J2"9
M(+D@A2"E()5+F":PE`E-?B,YE)N;X>SRS$&C2RH9$Z.2(*D@F2"Y((4@I2"5
M2YA*,%N82I<S1EEW8E`0*R2P1)K\B.>QER'&B)HE@J2"9(+D@A2"E()4+F&Q
MP];S@=B5-8\="8_=GQW&R,0N2"I()D@N2"%(*4CE$A8[I.H'8E?6/'9-YK#&
M..,^]\;=&)G8!4D%R03)!2D$*06I7,)BA[G\@=B5-8]=DV!J-HPUDLB01)/(
M;BJI()D@N?!3")M2D,HE+%#(3!:HKDE'JNPY/^^V7U<-#!YLKCV3?@HU@JX<
ME!,>OR:PEM*PKI$X\6L2P<7DQW3B%1RI,2)'F2"Y((4@I2"52Y@DJH3ZO":=
M%RX*HB`"/4W(\7SA30EC9L1+$,5\+EWQAJFU,F))E$OWA;5R^K68</>EM2+W
M%4-<1%60N45I3P)!^4\9%.CZ#?90\KU"I/9C(U88>S&OR<K)*T2QJW(X]Q:>
MU%K1'3.)<HD*B4J)*H:X,JI"^X`RNJ!CRF@4P<4H$R]$(:ZM@KF1-`D06953
M0M&\J_C#43QA_X+TBS<E,VP2=H?=;@'(R8N]5X$H=CL9SKPBN20KM99\OXV"
M./8*@XK=C0NIZKH/"(EEH`U^!>NS6KC"0,<^";R;K\D@=#3$-C.#4K2*HL[-
M9!1[46;DQBZ'.2'KN2!D/9>$M.<(1H;/R8H,.L]<'57/?4`=+/]<=32"-%-C
M$TX"OVX)M`'+,$3638I6F&!PQ/42-4,#ED_"<T$WLYY+1+%.G@">9@EYM!_M
MFLNC2KX/R(,5HKW[2BU,+'F\%69-!G:($T)VB%-$F#SP],]SDU$;-WGPUM9S
M05;6<TE()\^\1QUTTY,\JBATU?FMLB#`TM(53:-P03DE-C\TN#+3*T$W"[O$
MIX@"*)Y4;@:C2*BF_4RM1#DV"JWK`M'4+F4EHCFM"3*G7,\\IU0Y^7G5=%'*
M%GR-8LAF9\'W5IDUS$.5D+%-E`31PL:7$M+QP73T=M2,W-A1RPE9SP4A-]_P
M_KB3J(W$7ZW0HG/-I5,%ZN>ETV4NDPX1JYP6WI:V#M!*/RK5CZTT6M@$2M$J
M@)*UVZU`._9OT;-7HF.;N[F\5T'HC;T2?>GE;C;KV2O=NW%]5;5[2=^_FI=?
MU?ENF::+9B:P1K`141VU#A#9H!-"4)216=K#LAZ6$[/N"D3.V:F4J&*(R0$;
MPF4YWG7LZ;SP$A\1++T4YIJ0[7Z"B!]]_.(CM5;D*Y,HEZB0J)2H8HBKX]?N
MO[7Z0U7EGPH1O74`,F9&Q`31&P<@:V45T[V`AH1RZ;ZP#=T%UEN^2FM%OBJ&
MN(BJUG9GW.4#4*A+<W=F(5+;N%GUY0&(K-STTK[>.`!A0V=&9A+E$A42E1)5
M#'%E/E:WA[)N1_3&`0BM8*>BX4H(V;TM):37=/7FC6]:&1JHZ6*&(?(/QSFY
ML3<K",&B;!K*$Q!:S?6N&<2SF9=VE>T`Q,&55.7M!W),5\,LQ[!`IFK'7X36
M(1K8;3`A9+?^%!&\=%(;8\\)B-K8=3$G9#T7A*SGDI"6I^<$1`:=9ZZ.*F\_
MH(ZNAIDZ&OWZ!*1>8$+)Q5(,D9MBB"C%YMX;E`S=0(I1IN;2<T'(>BX18?+T
M5%S,,U='E;&N.K^WR.MBF(FF$12K>&ST2O-UB`8V%Q)$;IV**("56^?4E5?O
M9N3'ZI$3LJX+0FY.80>PC)-U*K7I/'/55`7[>=5T'<Q4TP@.1G:QB!=>R.L0
MK>P1)D'DGHX(T6STW^)F:.`>CJ3G@JQL5I:$]-@&TQ[I=`^U:RZ=*DX_+QV6
MN';05THSF(13F&5FG8U%B4]6-@\21`N+4D)ZN9G(<R6Y@1+7W*QG-\`N6<\%
M-HS<;:1G-]`-X0EQ-WD6/;L!NNY2@`NLRFY?8%4$B'?=W9/]]U7\<%H659Q&
M_,7.PEO3UM@0K&A-2R1*)<HDRB4J)"HEJAAB8L&1GXMUN3SKS'FIC\B3P:L>
MUM;*R"!1*E$F42Y1(5$I4<40EZ&OU._-F3?TD<4^?$FE,L?3QW^&:*VL/J8A
MH51:91+E$A42E1*IC[ZPJW!'K8_^B$M_9G.H3T_UNM[OV\&V^:8^T(*BX_;:
M8/WUV&HZ@<_'NG07OY@/R[Q?X(NSNZ[^\?@*&G0G99^'2_C``SKI\RG<NH??
M1<L["*ZG0;2$%_X]/%["R_`>/EO"B^(>/E_"2]0>'EY!3[LURNLJ/`I8JF.^
M;`.G>HBZ[Q<X,(.W/FGA8+C,X!#6XPU^4<<S^4L2*A7[9$P6RZS;6+P^%XLE
MO$'M\00=[NUO,($8^_H+K]H@QKY?DD"->=??L;D]?/WWLGFJ_[TY/>V.[6!?
M/T+R3;JWLR?]_:#^XXQ/;^Z;,WSWUSW(>8;O/&OX_@J*\>'@L6G.]`>$,39?
MCM[^'P``__\#`%!+`P04``8`"````"$`W?==*:T5``#7?```&````'AL+W=O
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MJ"UH+&@'0(E)5PJ(.:4+?GPPY]CTM6C85K$YUV)=!YL%#75]`"^TR;HWZ04%
MD@+)@.1`"B`.2`FD`E(#:8"T0Z*TI6L?M/43Y9$#@7=S=;K8/Q)$HWUJ]R:]
MVD!2(!F0'$@!Q`$I@51`:B`-D'9(E-HDK%)[?P1[ZTY4%N,Z$IHG^WB=)#9B
M>R.NM@&2`LF`Y$`*(`Y(":0"4@-I@+1#HC2D]<D1&GIKK6$D6L.EN>I[HUY#
M("F0#$@.I`#B@)1`*B`UD`9(.R1*0[H$E89^^I_0DNOHZ]X[TO(&LJ3A>1"B
M*R-O;]3+"R0%D@')@11`')`22`6D!M(`:8=$R4O#H))W_V7NK;6&D>@0O3`:
M]D:]AD!2(!F0'$@!Q`$I@51`:B`-D'9(E(9T\$K#-X>H=Z3E#42'Z.3<R-L;
M]?("28%D0'(@!1`'I`12`:F!-$#:(5'R^H0)])VN?#9\[-S?N=(*1V0DAG6_
M[\/5*5GU&DM%1BFB#%&.J$#D$)6(*D0UH@91JY"6VR<*PX1K_Y#@<U(3M(SH
MC,K`.IF8J!4KUF^#*$64(<H1%8@<HA)1A:A&U"!J%=*2^G1A**D?(1;3=[))
M\?HT-F0>M'QEU:Y]BA]B<RCWU,K=6W'%C51DE"+*$.6("D0.48FH0E0C:A"U
M"FFY?0KQ#\D=LY&AW`&9`<-L):S]GHD=,`"E:)4ARA$5B!RB$E&%J$;4(&H5
MTG+['&(H]X$!(Z8<0TDCT@.&R8#7?O/'CS07?>AO$*6(,D0YH@*10U0BJA#5
MB!I$K4):4I]2#"7U`\:<1MHC<UV?'MO!.2`3OC8QBQ75?-=7E-$"4(85<T0%
M(H>H1%0AJA$UB%J%M-8^]1AJ?2!\8Z8R#-\^>1D.P#9/2WHKUF^#*$64(<H1
M%8@<HA)1A:A&U"!J%=*2^G1C**D/WS>NV$+FHN:[/ID9RFWSMJ2W$KD!I6B5
M(<H1%8@<HA)1A:A&U"!J%=)R^\QD*/>!"(Z)S#""^]QF**E-XY+>2B0%E*)5
MABA'5"!RB$I$%:(:48.H54A+ZK.1(R0-R8N*TH#T.#NUJ5O26XFD@%*TRA#E
MB`I$#E&)J$)4(VH0M0HI22<VC=L?I9VY3M48D4"25TQMJB96O:2(4D09HAQ1
M@<@A*A%5B&I$#:)6(2WI<:G:!%.UB$R4VE1-K$32X&NP0$C1*D.4(RH0.40E
MH@I1C:A!U"JD);6IVH$HQ71L$I&.4IN.B95(VE=DE*)5ABA'5"!RB$I$%:(:
M48.H54A+ZO.>X5CZYOVQ2<B@AL-L1":`;38F5BSM!E&**$.4(RH0.40EH@I1
MC:A!U"JDU3XN&YM@-L9(![#-QL1*)(4$+46K#%&.J$#D$)6(*D0UH@91JY"6
MU*<Y-H#?MISU>Y8F(8O(1+!-R,1*Y(;L*T6K#%&.J$#D$)6(*D0UH@91JY"6
M^[B$;(()&2,=P38A$RN1%'*T%*TR1#FB`I%#5"*J$-6(&D2M0EI2G_G8"'[3
M7;1)R*'4$-RG5<-EF<W'8L7!@F&#*$64(<H1%8@<HA)1A:A&U"!J%=)J^Z0(
MU)Y<^)N6!Y83,9T:I&:3@&BWDZ-T+6@HN,G6-J-6,TE`=)?I4H$N)\FLVZ(^
MT&=?U2S4`U)][M'>/H]9S62%K_KLGZMY8Y^[JKK/$0W[+&A?GT>M9K*$UGVV
M*W:_%DKFM*[9+_(4E^X1J0X'*T)[.SQF-9,%JNZP7Y3:6$XFR\.Q/(W+V4$L
M1Z2Z'*P.=7G,:B:K/-UEN]X\("TN*J<!Z2EY9E=`8L57Y@91BBA#E",J$#E$
M):(*48VH0=0JI"6UB\HW+^&GN-Z,R*AM%T!B)6H'7X,I)46K#%&.J$#D$)6(
M*D0UH@91JY!6^Y];;TYQO1F1D=LNCL1*Y,;U)EIEB')$!2*'J$14(:H1-8A:
MA;3<QZTWI[C>9$2SEVQ,S>P*2*Q$4EQOHE6&*$=4('*(2D05HAI1@ZA52$LZ
MMMY\6\8TQ05G1":"S?IG+58B=[]2992B588H1U0@<HA*1!6B&E&#J%5(RVT7
MG`=F/%QE3B-2$3R7Q6+WL/M:K%B_#:(4488H1U0@<HA*1!6B&E&#J%5(2^I7
MHL-USP%)P\)UF!9-`])1.I>U;)2TMQ))`:7BBZTR1#FB`I%#5"*J$-6(&D2M
M0DK2F5VO[Y>T,]=K=$8DD(RS<UEJ!TG%BL7:($H198AR1`4BAZA$5"&J$36(
M6H6TI&/IQ)OR^ADF&!&9`)8\(:H=*I*5J`TH%5]LE2'*$16('*(2486H1M0@
M:A72:MM<Z$``8P(TBT@'L.0Q4=+>BL7:2$5&*:(,48ZH0.00E8@J1#6B!E&K
MD);TN%QMAKD:HZ&D,[L6$".6;X,H190ARA$5B!RB$E&%J$;4(&H5THK^8ZG:
M#%.UB,R08!-CL1*U,55#JPQ1CJA`Y!"5B"I$-:(&4:N05MNF:@>&!$S'9A$-
MXW<RM]FO6(FD?45&*5IEB')$!2*'J$14(:H1-8A:A;2D-AU[^\-#,TS5(C(1
M;+-?L6)M-XA21!FB'%&!R"$J$56(:D0-HE8A+;=-U0Y$,*9CLX#H`5$6:\UH
MUJ--1#/9#DP198AR]%6@E4-4(JK05XU6#:)6(:V?S;W"CFZW<?[R[>[VS^N=
MW^(=W>"=TGO(W93_D62QF^@1T8.+(FNPHN=&&6VBU4P/'V;K(14KKI@ARA$5
MB!RB$E&%J$;4(&H5TDK3,:J4[&U*>R\FK0C(/R(Z2"M@#1&MAN('-#\/[Y.?
M)V9QG/K30HV1@>@.*(]6@]-:2,7N3?7SQ"0Y3@S8<XFH0L^U6$7/)B-MQ(`]
MMPJI<T)'IL_)_M&C,]?B1W1`?+8:B!^1?RI:SMK";%FD8L5'DR'*$16('*(2
M486H1M0@:A72*ON$ZO6;$5X2$^(1^4=V!V*94[]FJV4?KAM&@V&;$06R^)J;
MRR6+5O3P&@N?<T5Q7S`2]X[17O<ENJ^XHKBO&8G[AM%>]ZURK\_%<4G@')/`
MB/PS:+U^"3P9RE9RWW?#B)*@ON)D84:&E*UFW:`T3R[,H)2Q@4PL.2-IK&"D
M(\8TYMAJ&1H[GYHP*-E`&JL826,UH[V--6P5&EO,IV;9UK)!UY@^:S;/[&Y@
MT<+E]5.TOTEKKZJ`_)WV_H30O5'SYE6L.!F\MQ(1W3KFBR-EE,2YQ`B9<;FH
MEJ/C@JW$L6/D%QL_/ZPF9FU0<KDXKM!QS5;BN&$4`BV9KDP>V+)!YUF?CM$D
M];C3@=GI/"!_IZ<_'9.%"?\U6RUZ[3>,?`?Z7X?!"RNZ7W5"SBY69M\F8S=R
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MMJ<BF1^9+<Z]%W-:`E)3T61AMY%B1345A8IJ*HHH#`<79C#(HA-ZF(>OB1S]
M%FPE$X9C%&8B.[Z67"Q^*_1;LY7X;1@%OQ,S4K9<W/G5%\98[NZ?ZSMB58")
M^SP@,PW!JB!:26!M8D6:&5C8E'V%.2>Y.)^:`3!C"YD'<D;BND#7CE$XR\G%
M<F:Z6+(?<5TQ$M<U^Y%>-XR"ZTDR.3?C0\M^1B84&N7V7B&OG%"\&W.)!.1O
M1@PF7K,<6L^#U6#$WS"2(3EE1,;B"W.@X$M-*."^8%_BWC':Z[Z,5@/W%5<<
M3BBQ17'?L-5>]ZURKZZ;Q7%9?V>NST5$_C:&Z+<P:]YUM*)72_B"V##2%<T0
ME;+[,+'0#V>:@3!C-S+XYXRDL8(136:#7IK&'#?F5S,_/U!C9@`JV8TT5C&2
MQFI&>QMKH#$S'K3L!N>>Q7&[")VY.6MA8\%O)HL>2[/ELHX5AU<0(XG!-"+:
M6(VJP2D*C0VB.V<W$MT%(_'L&%VP9S@?X+GB.N*Y9B2>&T:]9Q!_Z%E?,L=M
M&RQPVX"1NFB7YMC68B673/0EPWB*5AFB'%&!R"$J$56(:D0-HE8A+:G/ONU:
MZDT//RQ"'C]\>B<B?9]H:2[]M5B)VL'7X'F(%*TR1#FB`I%#5"*J$-6(&D2M
M0EIMF[+OSQP6F)XST@%LTW.Q$DFCKV$``\JP8HZH0.00E8@J1#6B!E&KD)9T
M+'=^6P!C^KP(R`2P&;#68B5J]Q49I6B5(<H1%8@<HA)1A:A&U"!J%=)J^Y1T
M.%P<"&!O;J:_@(RD9FF[7O16K-\&48HH0Y0C*A`Y1"6B"E&-J$'4*J0E]8GB
M$9*&O%(-LP$-[QW[G[@EX0=WPS81T:U!EC1%E"'*T5>!5@Y1J9`^YK&<\>@,
MGC2`Z`IH>+\W6BDI@I6_(S=8@IFU4QHKDA4+EB'*$16('*)2(:T.]4M%A-T.
M?-7=</J))U`GH`.W"6-%)5BH2#?7XOU.,^&DL0X9B%9]'48Y>BZD8O1L5@=.
M#-A-J9!2SH\J2KG]PU-GKH>GB`Y(Q%:#.ZD1^7M>@Y@RNP&I6/'19(AR1`4B
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M`]RG`E;J-R4H_I=.S6HZ(C_N#T+#!.-:K$1M3%#0*D.4(RH0.40EH@I1C:A!
MU"JDU?:)PU#M`RN`D&>H>2XB'<!F<;A>]E8B*:`4K3)$.:("D4-4(JH0U8@:
M1*U"6E*?2PPE[2:V-_UZ?,A*E-H!F0`VRZ;ULK<2M0&E:)4ARA$5B!RB$E&%
MJ$;4(&H5TFK[W&2H]H$`#JF,DC0B'<!F-;5>]E8B*:`4K3)$.:("D4-4(JH0
MU8@:1*U"6E)20DGJ`_AM+](NO2N3,01D(M@L)=>Q(EF)W'U%1BE:98AR1`4B
MAZA$5"&J$36(6H64W"N;A+UYO.@\:;4CTFI?R"JG6VZNQ8JEW2!*$66(<D0%
M(H>H1%0AJA$UB%J%M-K')78K3.P843C*&N+"IAAB)9)&7[)!DJ)5ABA'5"!R
MB$I$%:(:48.H54A+.I;)K2[>\JV$%69T$9D(MJF)6(G<P==@"$G1*D.4(RH0
M.40EH@I1C:A!U"JDY1[+`)?T^<6C?ZF;OC!I1^>(C-HF=UJ+E:@=?"FU`658
M,4=4('*(2D05HAI1@\A_:],K$7H?U`[?S@Q?!7S8/GW=KK?W]\\GM[L?_KN8
ME*!_>-_C\-'.Z]4Y?;6SF[&@Q'_/LTMDH61")=T=>2B9\C=`;<ER=ND3*-(>
M2N94TNT]0,F"2KHM""A94DEW#QI*5E32Y:I0<D$EW3AF2V;4:WK"8J1O,^HU
MO=0X5D*]IG?SQDJHUW3G?Z1D0;K1;=JQ$NH!W5(<*9G2D=(/6HR5T)'2[S*,
ME="1TL\+C)3,Z&R'QZ9``SK;]$;W6!WJ->T(CI1,Z$CIM_3&2JC7]'S82,F4
MCI1^/VFLA+2FW_H9*R&MZ2FQL1+J`?VZRDC)A(XT;"/:(YW0D=)3F6-UZ$C#
M,S10AWI-/R4Z5H=Z3;^(.59"O:8G=T=*$JH3MMYM.PG5"3<VH(2.E![Q'?-&
M6H>]6*A#$4(_W3U6AR*$?H%ZI(2JC-:@"J/V">E,W\@9\920SO2IE[$2TCG\
MMAGTF'0.][A,R69Y?NFWOM$;?7;XXVAT^N9'[*_]21[C/C!'^,?9Y4<::K'A
M:S\VC'$ZAZ.GG<[@Z`GT8]F(G\V<I`UW6ZP8B^6EOXN'?:*[=I?^GAR6;!8K
M*AD[M9O%!7D;.[ETYX;JC)5<+^C@Z88]MG.]H,.GF\MC)5Z`,07HG==+_T8K
MUJ$W6"_]^ZE80N^CDOQC)?2J)Y6,'NF,CC3<ZS.*TGN$U,[8D=)[@.2M*SGK
M*]%GI;_??-TV-T]?[QZ?3^ZW7VAZ/>\>3GX*'Z8._WF)S_1_VKW0!Z6[Q_N_
MT0?$M_1!W'._]OFRV[WP?^@0S_I/DG_X?P$```#__P,`4$L#!!0`!@`(````
M(0":JSJG)PD``(TI```8````>&PO=V]R:W-H965T<R]S:&5E=#@N>&ULG%K;
M;N-(#GT?8/_!\+MCU46W(,E@2H7>&6`&6"SV\NS82F*T;066TNG^^V&)95>1
MLBV[7[J3\!1UR")Y5)(>?OV^W4R^U?MVW>P>I^(NF4[JW;)9K7>OC]/__N?+
MK)A.VFZQ6RTVS:Y^G/ZHV^FO3__XY>&SV7]MW^JZFX"'7?LX?>NZ]_OYO%V^
MU=M%>]>\USNPO#3[[:*#7_>O\_9]7R]6_:+M9BZ3))MO%^O=%#W<[Z_QT;R\
MK)>U;98?VWK7H9-]O5ETP+]]6[^W!V_;Y37NMHO]UX_WV;+9OH.+Y_5FW?WH
MG4XGV^7]'Z^[9K]XWD#<WX5>+`^^^U\&[K?KY;YIFY?N#MS-D>@PYG)>SL'3
MT\-J#1&XM$_V]<OC]#=Q;U,QG3\]]`GZW[K^;*.?)^U;\_G/_7KUYWI70[9A
MG]P./#?-5P?]8^7^!(OG@]5?^AWXUWZRJE\6'YONW\WG[_7Z]:V#[4XA(A?8
M_>J'K=LE9!3<W,G4>5HV&R``_TZV:U<:D)'%]_[_S_6J>WN<JNPNS1,E`#YY
MKMONR]JYG$Z6'VW7;/^/H#ZBHQ/IG6A@[^WR3A:I2+-Q+W-DU`=H%]WBZ6'?
M?$Z@:N":[?O"U:"X!\^'R)#',=9SH4*,SLEOSDOO"Z)H87^^/8DL?YA_@YPN
M/<8@!EHB8"BB.B!<`IU;&_UA#GR/I"$5G+2"33V]'0>.;A'EJ"0E8(80AJB&
M"*6H$SN$E,$+"4/1,"[3=V"HFSA]64$O;1`#VWA,<481U2C"7D(0]G"9>!,N
MLW?@QRFDYLA,J(1R,XC)^_))1<GR6A%SHDJZVL;F+%6A^@AI:+>8M"MW?;:1
M#Y7C%O'4L\L;Q`")8X`\]:,(>PE!HLAH%)=3[\`L]0G+K4%,UJ=^)D3"MJ9"
MNT9[GJ<L]V2Y2B,[H9U3VB[YXVWK%C'Z.:-G$(/T15:PZ"IB3B4S6V+6^9G*
M<5K.!N4X>;>(DQ<T>08QF-L\9:FMT.I#$U+3Q98L5J'D2-[+(?7QHG>+./4P
MQ_KY;!#CRT(FC%Q%S((MMK%5I6&4$>H"QGJ<]LNEWJ,9Z21X1M(>="CVI&"M
M7#&`X#)A/<#'74214>Y.OJ*2&>&.8D=&9,Y*U0@$^2NK0<:I76K6*);95:A%
MRMQI6,3\NDX5J'PT`E83QH-\]K.DD*%H^_VI*"+/LH+MH*6(M,BB.&D<3LRB
M.$9V`*6/\F?]:`2"D']6GJB>&)!KE;(,6.(A+7-]9N`(IV@1^2LW`760!L%2
M;'K7H'PHM:PQ*V*5*5MLB7D6K#3S3LLB\B.91^6CI$-:?-\>Y-'=7LYD.6A;
M8M=13?3KK;MAAXEV['L1RHI2=VIV/774/DH]>/;4B7X6(K2=+WEJSUC;6T'M
M12A*RMPIV?7,4?<H<Y94(V)QE")E`Z5B]H1%9JD]/SOFG8Y=SQQ5CS`O&#,C
M8FGD(Z0B5CU@':\5Y[+M!"SB?&5_HNQ1[NSZ1B`(2U5HS49(Y>W8OXK?#EFZ
M7*9A4TFYR)NTM4<S;2W8Z#`>Y/6IY&?`RML//:AU&!_8I`2@DCQ$3JDS:;TN
M]_*$Q/*;1>-!A]P7?'Y7!*!DI/X^!+R*=Y#DY;D8H`;B^KD\(J5#LT-($3SC
MG/&@2Z>0<8B]"*';P/3URFTXH;/12/.AQ#(Z2Q-X4D)O?2M)$$H+K@B6(HI4
MI:%>:1P_);7RA-06K*"-!_F*+TH=*/2!5A2@RX+IGJ6`+,W#)6@03M_8/!J_
MS7>/COA]/J=@/`B#T`KZDN]%K*UI6?`#I"4>4B5UD#@:A%.ZVX-`?:1#E8NP
M1)`/0@_K*;:K-+H]\'T=VZ'M0SW2")@(7]D3)\28'TR,C,58",&;IB(`+273
M%4OL(HMCI#'<),?RA!R77(X]R/<!W+.']/D^.&AN>(+"#\/6.XGG6X2A(?R4
M.LL3ZERR+!H/PE!2-10YHM[Y4""(7443@43@GB[$K7!9'WHTD^?HN2,.50_R
MFR"3--7AW@"W@4&4S'B560H1.H<#V'$>T!"83(^$<$*>^5-`HXBZZBR7K-(J
MBBBDU*S4+$5D0D5G',K_)HE6*-%D"D7B[[<`07X+!!QC!OPI(M=\&ZV_D/=1
MI-&TI?29/(^D_X0LERQU1L6B2Z[LR^>RW9+U\)PQ!$^9,T$>87Y"B,N@DC[Q
M"/*WIED^*'QB5Q&S?KU5Q*[/"9AB*CS"_(3ZEDQ<3>_R>'`%9J';?-)C]9W)
M+'JBX+D3@,BRD!R:=B=Q3'U=MX\$@<)(ZYZKKT(0IK_D;5T1L\A"6?@`XM7P
M4.7,N&'2.T+[A.3R6TBC$.1/6M&<\)D_F"^(UM'%20S-_TVZJX:Z"^^%CZGI
M&1H/\K,BRQ0_HE<4`0<:?N*Q%"'TV6.98J([L@&H@S`QCN],)&=G>I?N454`
MA>+UFX!^+D#L12]D"_1-JMNCJ>K*A-WA&P_"+1!%/CC.4T"I))M-E@)4+L,E
M*'FFM]?=>^JA[LK!&R(/PB!D6G!EJ#S`SU>1,.6PQ($04&;'2J4Q./F[>09I
M%,UX!@W>1Q@/.FQ$K#Y8200@B3SU`$L!L0,:@U/!VV-`[:0QA"QA/^M88&=9
M3,''0`#0K'PD6.H"WM:%F4&C<(H717&YFS7J(V7/6M5XD"\2F;!"KZB]D$Q%
MK+?[:09%%J204K])A=TIF9V!)3_B&@_RU--(0GW>T4D\A:*SB2^?BQ@:`9/B
MD>0/)5@.7GSI@XB&4<H95E=@[!'3/X@OSAV$]4UJW*/Y)&7E83SHL/TB9T>S
MB@*T%NQ>RGK`81>C!Y@T^TR(KQRD)P19A.;R#8P@C"'5V>!62,<`:!%^IVH)
M`/0D>H-&@V!J?&40J*:DC_D+"Z,1A$'`TQS6YQ6QS_)R\$:#`.".(_)`8DB9
M'%\70[^*%1,_AAL/PAC@F#LX2!*`@F-NN.W$=B8`^&#E[$<G/R7+\$';8"H)
M1L%X$'XT`T>#P5@B@!-1NN_FW&6\!Q(E[@1^%8<?C6WK_6M=U9M-.UDV'^Z+
M-P'O$(]_Q:_Q#'R-UW^Z-C\:X&.X]\5K_==B_[K>M9--_0)+D[L<YN$>/Z?#
M7[KFO?]$Z[GIX#.X_L<W^.RQAH_!DCL`OS1-=_C%?;!W_)#RZ6\```#__P,`
M4$L#!!0`!@`(````(0"XRKBOQ0(``"4'```8````>&PO=V]R:W-H965T<R]S
M:&5E=#<N>&ULC%5=;YLP%'V?M/^`_%[,1R!I%%(U0=TJ;=(T[>/9,0:L`D:V
MT[3_?M<X,"#]>DG`'!^?<^[ELKEYJBOGD4G%19,@W_60PQHJ,MX4"?K]Z^YJ
MA1RE29.12C0L0<],H9OMYT^;DY`/JF1,.\#0J`256K=KC!4M64V4*UK6P)-<
MR)IHN)4%5JUD).LVU14./"_&->$-L@QK^1$.D>><LE308\T:;4DDJX@&_:KD
MK>K9:OH1NIK(AV-[147=`L6!5UP_=Z3(J>GZOFB$)(<*?#_Y"T)[[N[F@K[F
M5`HE<NT"';9"+SU?XVL,3-M-QL&!B=V1+$_0K;].(X2WFRZ?/YR=U.C:4:4X
M?9$\^\8;!F%#F4P!#D(\&.A]9I9@,[[8?=<5X(=T,I:38Z5_BM-7QHM20[4C
M,&1\K;/GE"D*@0*-&W0RJ*A``/PZ-3>=`8&0I^[_Q#-=)BB,W6CIA3[`G0-3
M^HX;2N30H]*B_FM!OA$UD`1GD@6H/S\/W&`5^5'\/@NVBCJ#*=%DNY'BY$#3
MP)FJ):8%_34P&V<AY&-U#%Y?LPKR#,FM84D0=#ML5U">QZT?AQO\")G2,V;W
M`F:*V/<(X]K0IJ,%#'H'T1#%6/3+9>BU&;#1UK/N[`)P#V*#F9!+1#ASDUY"
MKO^S3,2&4[$FX<6KO=.+-IN@$B.-?KR8JMQ9#!1M\!%/$?MW$>E;B(D+.&8<
M>=\G;T=O-B4(HAH4^G$TU;BSF+AKFG"U\#QO"MB/`?XR6J[FB'2,"%9+X!@H
M)AX@];&'M[4;\%S[+-^=Q<#Q@[\98O\N`L:6.<?Z]\U`N%!OQY)]:VLF"[9G
M5:4<*HYFY`20W+`Z3,/;P/3[;'T'4[*;*7AX`%.J)07[3F3!&^54+`=*SUV"
M*FGGG+W1HNUFQ4%HF$_=90F?(P9OJ><".!="]S=P,!X^<-M_````__\#`%!+
M`P04``8`"````"$`F,3;-V0(``#Z+P``&````'AL+W=O<FMS:&5E=',O<VAE
M970V+GAM;)R:VV[KMA*&[S?0=S!\;UO4R0<D*:H#I0(M4&SLMM>.K23&LJW`
M4E;6>OL]/$@61S)'SDT4DQ_'Y,\A.6/QX=<?I^/D>W&I#N7Y<<KFSG12G'?E
M_G!^?9S^_3\^6TTG5;T][[?'\EP\3G\6U?37IU_^\_!97KY5;T513\#"N7J<
MOM7U^V:QJ'9OQ6E;S<OWX@PU+^7EM*WAX^5U4;U?BNU>-CH=%Z[CA(O3]G">
M*@N;RQ@;Y<O+85<DY>[C5)QK9>12'+<U]+]Z.[Q7C;73;HRYT_;R[>-]MBM/
M[V#B^7`\U#^ET>GDM-O\_GHN+]OG(XS[!_.WN\:V_-`S?SKL+F55OM1S,+=0
M'>V/>;U8+\#2T\/^`",0LD\NQ<OC]#>VR3UONGAZD`+]<R@^J\[_D^JM_,PN
MA_T?AW,!:L,\B1EX+LMO`OU]+XJ@\:+7FLL9^.LRV1<OVX]C_=_R,R\.KV\U
M3'<`(Q(#V^Q_)D6U`T7!S-P-A*5=>80.P-_)Z2!<`Q39_I#/S\.^?GN<>N$\
M6#H>`WSR7%0U/PB3T\GNHZK+T[\*8MJ4,N)J(_#41M:CVWJZ+3QU6]>?+YFS
M]I;C.^!K(_"\&F&^$]XQ"/@VJ00\&QO>W1T)M1%X-D;\^9T=66H;\&QLP+\C
MIP+6M1P%/'7C\?.Y4+XA72W9UMNGATOY.8'U"[-?O6_%;L`V8+CQ,>41K=?=
M<CKP-F'D-V%%V@)_JF"E?']BOO>P^`[>O=-,I!CXC@X3F$P\Q(0FDPPQ2Y-)
MAYB5R?`A9FTRV0`3.":3#S&L91:@<RLV+**NV,,+N=%4P%A3O[4K=8\4LY(K
M5DQ$C`L27)#B`HX+,ER0=PJ,X<"Z'C\<`3].P=1U^@,7#4<QL-);!DU^K(BE
M=#'7"4,T88E1'R*YTF[M+%R%`6K.NP#S`\='#IJ90.A<)UI.2-ZMG_FK\#I"
M0SD8XGCE!(R4\Y`31HH)I2YAX*'U$*MJ^'M+V(0D4I+@))$IXE8W<YL!0S_8
MR+OZB5W+@_/5OJ!$(Z1C@#<IQ4`_;@D5DT1"$BE)<)+(&D)LMK.5BQPU;ZJ'
M!F)("<=95TJ[A`+&$J)%%BG&)F%#B*Y['EI"25,[U'.YR%*2X"21-824K]>)
MO*D>ZH0A'QS?7?G&>:)HA&5$$Q@IQB8C220DD9($;PAYJ)O[==;4#:FD]D,;
M8>@(<4%71[L;"ACKATZ*2#$V_4@B(8F4)'A#2/W0)&=-Y6T!;80A((3E70&%
M(_JP"=B%%(VPD.CLB!1C$Y(D$I)(&T*NQV!U/3>E'_&F^J90&4GD-L*0DL%1
M@K6DCQ?9"HN)@LY(0S8U:22AD91&.(UD`TB`?#@?8*YKT=15A,HHV1BAJPJP
MS<@1!6X14Y!55Q)):"LIC7`:R32B`J$9<P)TB.96&Z:H(CKOB&I?\$S%\H:8
M/CJ!(PVIWC'708LQUO46L1,:26F$TTA&([E&!H9C"BEB]_%"JDC?$#+$43E3
MD/YFYGHXXXD-PF6.@TPD&O!5QM/+:(SVLW#MXLGD!B%RFA!-=V82J[6+-JW<
M`&9>V!FGJ2!XQ!T*"AKME[V\ABE(*1@X'EKWL:ZWNJ(R84%2V@JGD8SH:VXU
M80HIHO>.*XZ+*L5O@UC07H*C(8L:,8TD-)+2"*>1;`#I'T"C<QTFPOJ.KL1>
MJ9(`8XGCC3J2)B'4LF2,`P@>0S+`7`]1E?70"*>1;`#!G<D'F&MG3$<5\7U'
MT)&.JK("4U@45D3,ECI(16(:26@DI1'>(B(Z13\99&WES=@TMR*FH"+>[PA*
M>*C*#DPAKU,E58J8+8700I)(0EM):82WB!02G3-96VM1TM934TD1[G>4')<0
M,94DF(KBC$A#UC5O2S:DZ`EM)=6(.OUFOL]03SAM(Z.1W(H8HKI?RHQD*W32
M!VCR(PW91*61A$92&N$TD@T@O7UT@+DN3E/7+V5&[IC,2$-67>G,B+:2T@BG
MD:Q%Y`\!JUXLVM8/[1&FIK"(NQN`?2MU!8U\%,?2D8;T>F1+AL-1#5C$3F@D
MI1%.(QF-Y!H9&H\IY5VID3N4&J&D(]*0^FK&'#]$&T)L$.Y`:J2!6ZF1T7ZV
M]$*\Y7"#@-2(X4PW,PC78SC_R`U@!B]>KAYA*@@N<8<S"AHY8R\U<A6D%`S8
M&L4EL:ZW^J(R84%2V@JGD8SH:VXU80KYI=1(W!7`@O92(PU9U(AI)*&1E$8X
MC60#2/\$&IT:N7>E1I)&#MI+C31DU;/_G@6/(:'-I#3":20;0'!G\@'FUI'^
MI=3('9,::<@J+)D]);25E$9XBXCS^BJ%#'&SMG+HL)9(;D7,E2]"_TY`3YSG
M*E$P`WG4O\BU91,J-:*1A$92&N$M(H3$[S^RMM:BI&TPII)?2HW<,:F1AJRN
M2:=&M)54(TWH`K&8^6Z2TS8R&LFMB"&J>)'1=<]Q/X7(5G@C19%0I"&;J#22
MT$A*(YQ&LA:1(7P0HE67M_5#OFQJ^J6TR!N3%FG(JBF=%M%64AKA-)*UB-34
M=:YAIMI&VWI:T[O2(F],6J0A%8C/_#6:\+BM'^J<[']"(RF-<!K):"1O$:EU
M=SBF<]Z5%,%%X5X$VKD=)E6(-*2NMS'F>0[ZP2<VB*&DR`1Z[XN,ZMG27[G(
MD[A!B*1HC5Y)90;A+H,`=5)<BA9C5<.8!:OE];==I:"Z\JSNH9Z*RVL1%\=C
M-=F5'^(ZLVC7EJJKUCE<M7;%+4=4'K%--%0>LTT\5)ZP#=R([-M)V08N1O;+
M.=O`_<A^><8V<$T2RA=MA^#F]?OVM?AS>WD]G*O)L7B!H3AS<=/YHNYNJP]U
M^2YO=3Z7-=RYEO^^P1W[`FYO.G.`7\JR;CZ(+VAO[3_]'P``__\#`%!+`P04
M``8`"````"$`(:,(&^<#``#I#```&````'AL+W=O<FMS:&5E=',O<VAE970U
M+GAM;)Q778^K-A!]K]3_@'A/P!A(B))<74#;7JF5JJJW?2;@)&@!(^QL=O]]
MQPP![-S-;ONR&S)G#F<^/)YLO[S6E?7".E'R9F>3I6M;K,EY43:GG?W]KZ?%
MVK:$S)HBJWC#=O8;$_:7_<\_;:^\>Q9GQJ0%#(W8V6<IVXWCB/S,ZDPL><L:
ML!QY5V<2'KN3(]J.947O5%>.Y[JA4V=E8R/#IOL,!S\>RYRE/+_4K)%(TK$J
MDZ!?G,M6W-CJ_#-T==8]7]I%SNL6*`YE5<JWGM2VZGSS[=3P+CM4$/<K\;/\
MQMT_W-'79=YQP8]R"70."KV/.7(B!YCVVZ*$"%3:K8X==_97LDD)M9W]MD_0
MWR6[BMEG2YSY]9>N+'XK&P;9ACJI"APX?U;0;X7Z"IR=.^^GO@)_=%;!CMFE
MDG_RZZ^L/)TEE#N`B%1@F^(M92*'C`+-T@L44\XK$`!_K;I4K0$9R5[[_]>R
MD.>=3<-EL'(I`;AU8$(^E8K2MO*+D+S^!T%DH$(2;R#Q0?U@]Y;>.B!!^#&+
M@XKZ`--,9OMMQZ\6=`V\4[29ZD&R`>9;9*ACC/6]4"%&1?)5L?1<$(6`^KSL
M"?6WS@OD-!\P,6+@2$P8'9'<$"J!BC:=?>&`WE$TI,(43:&H/R['3:-RTC52
M3Q<0WT,,1'*/H%0G2>\AT<2BA4'U,![+5V#HFWGZ:*"_.D8,E'%,<:@CD@\1
MZ2.$IAY>,R_"8_4*O+,A-:,R0EU=6XR85=\^`8F,O"::V:61[IW.S6%`5Z-9
M$PW';2Y:M?O'G:.<S-0;B8T1`R+&``U$\B$B?830H@C_3Q3*R2S!E*7^P,6(
M"?L2T,B?^K8W)W/SPB/>>DPRGE?-3M;N5$)-_DJ7_[AS%-B4;;PW1@S*7L#D
M,3HK0;O?A[7RC%.3SJTA>4>SNLJ-.>E#O1YK5TZF=J-O8\0,VGU_;=@3M*/V
MA1\:797.W:DW,VL9CW3UCU4KL*G:S#AB4#4)/$-5@F8430+#.9T[+P@A4[DT
MT01&^G_/>>]ER#<;(AY`0U8]U[BK$MU.C'.0:F8ZBT_7KZZO6<\\SCK!RTX?
MD4;FX@&$ND.S532K$5*J&1?$FV+21:OKZ_.B\;+31/M$GPHQ0="MA2.S60;[
M[?BNB!%7J@&(Y[XG75U=GY>.%YTN?6+&>0A+I3H+>"?Y863,RT2S4^I-G8P#
M4;.O5K-+"Y..&R<N9#7K3BQA526LG%_4-DE@8(W?XJ8;JTVWWU5'`RR:;79B
MOV?=J6R$5;$CN+K+%4RG#E=5?)"\[=>?`Y>P8O8?S_"3@L&BY2X!?.1<WA[4
M,CS^2-G_"P``__\#`%!+`P04``8`"````"$`P,U+:($"```6!@``&0```'AL
M+W=O<FMS:&5E=',O<VAE970Q,"YX;6R,5.]OVC`0_3YI_X/E[XU)@'1$A`J&
MNE5:I6G:C\_&N216XSBR38'_?N=X1%#:CB]1?'E^]^[=7>9W>]609S!6ZC:G
M<32B!%JA"]E6.?WU\_[F$R76\;;@C6XAIP>P]&[Q\<-\I\V3K0$<08;6YK1V
MKLL8LZ(&Q6VD.VCQ2ZF-X@Z/IF*V,\"+_I)J6#(:I4QQV=+`D)EK.'192@%K
M+;8*6A=(##3<H7Y;R\X>V92XADYQ\[3M;H16'5)L9"/=H2>E1(GLH6JUX9L&
MZ]['$RZ.W/WA@EY)8;35I8N0C@6AES7/V(PATV)>2*S`VTX,E#E=QMDJI6PQ
M[_WY+6%G3]Z)K?7NBY'%-]D"FHUM\@W8:/WDH0^%#^%E=G'[OF_`=T,**/FV
M<3_T[BO(JG;8[2D6Y.O*BL,:K$!#D29*IIY)Z`8%X),HZ2<##>'[G":86!:N
MSNDXC::WHW&,<+(!Z^ZEIZ1$;*W3ZD\`Q;VHP-5+6W/'%W.C=P3;C6C;<3\\
M<8;$1TV!85#YEDA4YTF6GB6G.*>8WZ*QSXMD-IFS9W1#_,.L`@:?`R8>$`S5
M#))0QJFDU^TY9O9@G]G;Y:6L0N`T3?)ZFO%Y&E_Y&'OZ?CI_"7$G122SZ<`?
M%`3,Y`23#HBS0A%R?:$>G-/T?8\#Z(K4.#"GJ7WQ2>K'[C_U^WN]BL'O$(G1
MN:&OR>R-@M/+K/$$6_6^Y_[6><X0B<^:/+M]87+8PS#L"DP%GZ%I+!%ZZW<L
MP2D=HL/Z+Q,_2"_CDVS9_Q;8\`'7LN,5/')3R=:2!DJD'$6W:(8)BQT.3G?]
MBFVTPX7L7VO\_P(.ZBA"<*FU.QXP,1O^Z(N_````__\#`%!+`P04``8`"```
M`"$`^,:R"U9!``"U8P$`&0```'AL+W=O<FMS:&5E=',O<VAE970Q,2YX;6RL
MG=N2W#:RM>__B/\=%+J7U'7HKFZ'[1VE.I`LGNM<=:>1Y;%B+,DA:<:SWWXG
M"UA,`(MB5\N^&?5\3BR`S$P03)"L'__GOQ]^?_:?=Y^_O/_T\:?G@Y<WSY^]
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M-DIO/_TN`Y#_??;A?1,<<D[>_/?R[Y_O?_GZVT_/1\.7D\'-PV@B*O]X]^7K
M\GTC^?S9VW]_^?KIP\$8#:R4$1E:$?D7(G<O;R<WHX'T>:W(R(K(OQ"Y>3D8
MW]PU&CV=CVT[^=>VNWLYO+\=W#[64&0OAR[_VH;#\<OQ\'9R?QEV3Y=WMN6D
M;3FZ:JB2=I<>Y=^G#?7!-I1_;</!@Y[@GI$.)*",?YO(,KZ[\O0,VM"0/VS3
MZPYS@'AH_GABIXB"@8;!M5X9(!*:/Y[8+6*A29VG'2MB82!_/+%3"1_C&XVC
MJX\5H31X<BP-$$S-'T\ZUB&"J?GC:<<Z1#`U?]BFP\$UZ3U$,,DLBI;7A>$0
M\=#\\<3A(AZ:N<<VO3+CA@B(YH\G]HJ`&&I`7'FH"(?AD\-AB'!H_H!GKIP'
M1PB(D2;Z=0,>(<^;/W""[ZZ;?4?P:_.';=O;ZRMSS;M<0N=OOK[Y^<?/G_Y\
M)BL3B<4O?[QIUCF#'QHQ7#S-A-I>3K]U-97+:*,R;61^>BYG7BZ47V01\)^?
MAP_W/[[ZCURVWUJ;UVPS\"UFL&BNT8WL/`2+$"Q#$(4@#D$2@E4(TA!D(<A#
M4(2@#$$5@CH$ZQ!L0K`-P2X$^Q`<0G`,P2D$YQ!,6_?",=/6F2TAYTW)>U-R
MWY3\-R4'RNK1!I?T]4K"MHU=R;B_(W8;F29V<2BO`9Q@#@(5%F@R#\$B!,L0
M1"&(0Y"$8!6"-`19"/(0%"$H0U"%H`[!.@2;$&Q#L`O!/@2'$!Q#<`K!.033
M*9'6F7#5=$8VY+TIN6]*_IN2`Z>N![U`E0G^[PC41D9N3KQ)]L&/S-?&YDZN
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M#GRD5JV3&$5`&A,QD"]_Z\LG:@7Y%:,42.4S(%\^J.'D:@7Y@E$)I/(5D"\_
M\4=?JQ7DUQ[R7=W49WD/X8GIV.RU!OEHD40`1C$#<MUM&DI*PFIAK1RT9!2Q
M5LQ6":,5HY2U,K;*&16,2M:JU,H-Z6"#I58KG(FUAWRO-650UVN/)*BIFDI]
M!MJOFZUM\5BS7]SF64>"6BMG#K4-;\5QVG`2Q.!"K=#CDE'$2!XVN8Q+Y-$P
M8;1BE#+*&.6,"D8EHXI1S6CM(=]C31WP"1ZS94/78P:-Y02U)WYT0U.JL1I,
MVO,W;QY%$%??N@V'=\'R>@&KYAK[GY_O'H;!K+6T!K)W#L]$%CF=Q9#I[2RQ
M5N/)I;-1,/^NN*N4N\JNZBKWNWHQ"(^KX,Y*[JRZJK,:5O8DWH='MO8Z\P-$
M)O6G!$AC'EQS#1JZF3D:A.6JYN$2:2B/)<"-<Z"[%BV`QA<'#08/#T&\+&&A
MEZ<(2*5C()5.+!H;Z6%0FEBAA>JF0*J;`:EN[NN^&-X&(R[01I5+(%6N@%2Y
M!L+)F-P%@U[#XB+MN[6I([EY_UW+W6::#KUM4//`A$X'@V!@,]M0GHU0;YN&
M\NP#T,):30;&V\/!^#X(FZ4UD0<ET"IB[1A6JIWXVO)$73!CK=!&E5-6SF"E
MRKFO+)D]#*Y"!1JI=,G2%:Q4NO:EY0'(T7T036NTNFC[+F_*,'_=Y::8XUVS
M#1J)`UN7#\;!Y#EK'N226!EI`,^!Y,:Z;=AQ!;`-[TT4C&]&X5,@2PAI.$5`
MVET,U-M=`BO3W6AP'QS("@;:60JDG65`O9WEL#*=O1C<W02]%;#0WDH@[:T"
MZNVMAA7.Y.!A$BSWUC"Y=.>'CVCWAL_VTQ_?ND%V;\H:F>`"89!?9QL$@3V3
MJWG34*R0Z7-&"T9+1A&CF%'":,4H990QRAD5C$I&%:.:T9K1AM&6T8[1GM&!
MT9'1B=&9D3SW0XZ4)W^8=3A<GOYANPZ7RQ-`;-?A='D*R+7SP[TI%+FSY2.W
M,J:NY$V+!LG2"@$[:YXJE1B6RS+0W"*W&,=HR2ABK9BM$D8K1BEK96R5,RH8
ME:Q5L57-:.TAWQ=-1<CUQ?<M5DQ=R7.107+-A#]FS=.[H8L,>J0^9QMZ]8&V
M(>0CMHH9)8Q6C%)&&:.<4<&H9%0QJAFM/>1YK7F:V?-:?P9=S/T+@T6/5.M@
MI7DV!Y)[BG9AP=4ZM8)[EHPB((V1&,B7#Z[<B5I!?L4H!5+Y#,B7#^Y[<[6"
M?,&H!%+Y"LB7#]:HM5I!?NTAW]5-N>PO)VASAQ@L#2QRJW5`KKM-0R?U%M;*
M04M&$6O%;)4P6C%*62MCJYQ1P:ADK4JMW)`.EF^U6JG7W)/C>ZVI:;E>>R1!
M&_,@00UJ[CG:/.-JG=S3AU.J18]4Z]0*1[-D%#&*&26,5HQ21AFCG%'!J&14
M,:H9K3WD>ZPIF3W!8Z;"YE[QA@;YU3JZ/;=6LCK"B9];]$BU#E:FT"1%K4EP
MY[^T%C*70#KBWF+H2.1H8(6UP<1:V7+=\#Z\A>>^4NXKNZJOW._KQ3@L+1?<
M6<F=55=U5L,*IW%\'^P&KKW>_!B1>?TI,=*8!UEM4#.7M"=_-`A&,&O>_I&&
M$JQPY!Q(;TP70+9&=1O6U98PT`M4!*3*,9`J)Q9)O4Y'.1Q1"-A1JGP*+97/
M@%0^5_FF[BQ5G*#R5*"-*I=`JEP!J7(-9$_)^"9(D34,+LJ^;YL:F9O_W[40
MEKMQ<KE!0=4NV-Z<V89NU<XBMVIGD:W:C1X>@H71$FWT-$6L',-*)XH$R`W,
M#I>;8W%*@BG+9]!2^1S(E!M?/`1^*?#?==PE"U>P4N':HO:,A/O&:[2Y*/L>
M;XI??]WCIH3F70AL54U.5IOD7+1K7K:3)'>+=D!RY]PVY*(=K&RIZ7YP'RPP
ME[#0PE8$I,D2`_7VEEBKR=VE1-AQ(;"'H7VE$-:^,J#>OG*_KQ=W]\$:K(",
M=E8":6<54&]G-:SL:9Q,PM[6L.""7?.V8V_H7%>PN\@$%XA&^5**TQ`8W80%
M.]O0+=@Q6C!:,HH8Q8P21BM&*:.,4<ZH8%0RJAC5C-:,-HRVC':,]HP.C(Z,
M3HS.C.3]I];=N-)/7W>P60>;=[`.E\N;4-Q'A]/E;2C7SI\IGU:P:RYUX;J'
M"W;6RBW86>06[!@M&46L%;-5PFC%*&6MC*UR1@6CDK4JMJH9K3WD^Z(I?/WU
MJY8IGWE7+8/<@EWS?K4XTG.107[!;A`L0Q:VH5<B:!LBTB.VBADEC%:,4D89
MHYQ1P:AD5#&J&:T]Y'FM>>W<\UI_/>!B[E\8+'JD8`<KIX(#Y"[FN6"G5G#/
MDE$$I`OS&,B7#P(B42O(KQBE0"J?`?GR8<%.K2!?,"J!5+X"\N6#]52M5I!?
M>\AW=5,4^LL).C*E)3=!+7(+=D"NNTU#)_46ULI!2T81:\5LE3!:,4I9*V.K
MG%'!J&2M2JW<15*P6*S52KWFGAS?:TTAS?7:(PEJZFZ>>VPISEWU<\%.;IW"
M*=6B1PIV:H6C63**&,6,$D8K1BFCC%'.J&!4,JH8U8S6'O(]]K2"7?/5CF!1
M8I%?L*/'ZZR56[`#DD5-SWV:M9J8)]YN[\=!@"ZM@5NO@[)6!V.@WLX26#U<
M;M,F045EQ5VE:*%=94"]7>6PD@MZ>_2C03`E%]JC6@W#9XQ*:.D@*J#>0=36
M"B?W(:RSKK5_R1<_<&2R?TJJ-^;!M=B@H(H7G/-9\WD6:>A6\8#T9G4!9*)D
MPD_=P4"O6A&05DMB(%5.+!HW3^W_Y^>@QKA"`Y5-@50V`U+97&75L:-!<,DL
MT-";#=G]=(HJ--0>:R![BN[#!Q/7,+@<B^_KIF#E3NO?5=5K'K\*0\"@9IWN
M)$%0UIK9AK(NQ*0]MTC6#T`+(%NU'`WDBV[^`_Y+F*AK(M:.8:7:"9#1OAN%
MM=85#%0Y9>4,5JJ<`\F\ZIR!8(XK8"67O=:J8QJP9U//4X6&VF,-A/,TF=##
MMC"Y'(T?"4V=ZJ]'@JEV>==]6P"30VB/D*M]4N9K0LBM]EDT=M_;Y6H?K.R#
MFN/;X1T%A]76LQ=Q=S&$>KM+8&6ZNQL]T+Q!G:7<60:9WLYR:S7QDRC89R@@
M[UYO.D*(3G!UU2!J6-D3+%]A'`5!O-81T+6DJ9GT1=5UA<"1*;UX8=568S2L
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MD"\?W-74:@7YM8=\5_\MA<`Q%P(M<@N!0*Z[W5K7Y17ZA;5R"X&,(M:*V2IA
MM&*4LE;&5CFC@E')6I5:N2$=+-]JM5*ON2?']UI3H'.GU4<2U-3SW/FSJ2?)
M5>^1)_=@Y5SU+'JD$*A6.)HEHXA1S"AAM&*4,LH8Y8P*1B6CBE'-:.TAWV-/
M*P2.N1!H4=.%SHQA16EFK=Q"()"L8-J&?`MGK6RMZD'>>_)7\4MKX!8"H:R%
ML1BHM[,$5J80*%^&]_M:<5\IFFA?&5!O7SFLO#NS\#FQ@GLLT5![K(!Z>ZRM
M%4[E_4-P`5A[G?EA(E/[4Q*[,0^NO`8%9;_@!GG6/#4G#=VR'Y#6M!86V>+<
M.'QG=XDF>HF*@+12$P.I<.(+!Z=GA08JFP*I;`:DLKG*.I'.KK;'KO(EM%2^
M`E+Y6N6;6N4XK":OT>0B[+NU*1VY\_5W5?C$#^1M6Y-R`U)*<WXZS6Q#M\)G
MD5OA`S*5JX[G]F"@9REBY1A66A-+@.SCK,'P5OC/JINR;@8KU<V!O.I>6#PL
M8.5.G%R:X1XK--0>:R"<H]O@6-8PN!R+'P--[>>OQX"I('F7<EM4ZJ_MC:GT
M-+>H61SV71A,0UF?-%$_&$V&P62RA+13V@/2[(FOZBVQ5E)M:WJ[#=_T74%8
M^TJ!M*_LJKYR[4N/GVK/!>2]ZP=M$L!*!U%=-8@:5BB=#N^"Z7`-Z<LA^R'5
MU$#Z0NJZPIX\/T_S2EM=<4]-N'-@&[J%/48+1DM&$:.84<)HQ2AEE#'*&16,
M2D85HYK1FM&&T9;1CM&>T8'1D=&)T9F1?"ZW=3>6Z]/7'6S6P>8=K,/E\LU<
M[J/#Z?+57-?.#W>YRGGA_LA=3V,>+(X,DH!UPSJL5TM%KVGHA36A!5LM&46,
M8D8)HQ6CE%'&*&=4,"H958QJ1FM&&T9;1CM&>T8'1D=&)T9G1A+6Y#4):V:S
M#C;O8!TNE[!FO0ZG2UB[=GY8-Z5,=Q9_)*Q-Y=-;`1@4A'5PF9XU5=`PK`DM
MV&K)*&(4,TH8K1BEC#)&.:."4<FH8E0S6C/:,-HRVC':,SHP.C(Z,3HSDK`F
MKTE8,^MP^'3>8=?A<@EKUNMPNH2U:^>%]6U81&[N>8:W+V69^L3?`;HH^1.Y
M14'$!XOQF5KALC9GM&"T9!0QBADEC%:,4D89HYQ1P:AD5#&J&:T9;1AM&>T8
M[1D=&!T9G1B=&<FGT9M8\J[(T]<=K,/ATPZ/R^?16:_#Y_*!=+;SO>Y'?%A+
M[Y_(FQ)JL#ZQR`]K>K%&K32LC9:S9%FPU9)1Q"AFE#!:,4H998QR1@6CDE'%
MJ&:T9K1AM&6T8[1G=&!T9'1B=&8D84U>D[!F-NM@\P[6X7+Y[#_K=3A=/OSO
MVOEAW6P57+\^:=X0#\/:('<_W5JYF[46R4()8;U@M&04L5;,5@FC%:.4M3*V
MRAD5C$K6JMBJ9K1FM&&M+5OM&.T9'5CKR%8G1F=&$L/6M[I%)#%LF.-)^=T*
M9O,.!I<[@2$QS&WA=+</W^M^#(?;+]]5@+WE71F+W.<0@/2,S"UJ%DMMI6UT
M$RS0%VJ%!%@RBAC%C!)&*T8IHXQ1SJA@5#*J&-6,UHPVC+:,=HSVC`Z,CHQ.
MC,Z,)-I-!(@CX2*)=F:S#N8$0=NVP^42[:S7X729L5T[/]J;'0YWQOZ^:#?[
M).Z-YJU!C^P:P\I-`-.P64]I`H0/$"]L0['"&5HRBAC%C!)&*T:I1<YLDZF5
M.]2@*)NK%89:,"H958QJ1FM&&XN<H6[5RAUJ\#S(3JTPU#VC`Z,CHQ.C,R-)
M$QLG&@&2)ITA$.S\RG6B-<-H90G/K"-6)'/8KB-:)'-<.S]SFOTT-W,>6<*;
M[3<O10QZ+$6LE9Z@^:U!S3K,29'@.>.%6N'T+!E%C&)&":,5HY11QBAG5#`J
M&56,:D9K1AM&6T8[1GM&!T9'1B=&9T82_*TCX2()?F:S#N8$0=NVP^42Z:S7
MX72)=-?.C_1F6^\)D6YV`;U(MQN#LCC3@`T_;3*[-5;N`RE`[D+?6KD+)'HO
M<6D;NH^@0$L?THB!5#X!ZI5?L7R*ABJ?`:E\#M0K7[!\B88J7P&I?`W4*[]F
M^0T:JOP62.5W0+WR>Y8_H*'*'X%4_@34*W]F>4DD"AU)),NT`[ED7!,\<A4Q
M9D[T2"&(NT"4R>=(VQR,8-=[$))N;A=^NC6[6D](-[,)YJ6;0?Z#/:/P?;Y;
M:Z7/4LR!9+G8YBD__V6MFF=8U"I\=F8)+7UV)@+2'F,@W0Q/NN1'HV!#>86&
M*I\"J7P&U'M`>5>/]+&H`EK:8PFD/59`>D!UESP=T!H-57X#I/);H-X#VG7U
M2`>TAY;V>`#2'H]`>D"G+GDZH#,:JKSD*<6<Y*EEO8<DJ6O,^J-.4M>J.;TN
MP/2HY+)H[?2PI(;;T04=EZ2NVX6?NLW.W1-2UVST>:EKD/_HYBC<=KXU5O<Z
M[\R!]'9S8='#C7U`)OS=D"4,])=J(LBH<@RDR@D:#LV#/B^#I^)7^.\JG$)%
MA3,@%<[1T`QY<!]^2K"`@2J7D%'E"DB5:S0T0QZ_I,>Q8*#*&\BH\A9(E7=H
M:,8L;SP'>TM[&*CR`3*J?`12Y1,:MJ<YN+4\PT"5)<4H-B3%+%-MR2?#;'0,
M;B>CH,@DN61-''D$E1-ZDDLLCT!ZP-B#NQ/)(E?<SR*Y=#XEBQKS8,_/H""+
M@N.;W1HKYU#F0'JB%A;)><(U?@FDYR5"0W5H#*1:"1KJ1+0"4JT4#54K`U*M
M'`UU7`60:I5HJ%H5D&K5:*CC6@.IU@8-56L+I%H[--1Q[8%4ZX"&JG4$4JT3
M&NJXSD"J)2%/CI20MTS5).0-<UPI,6Z9HP>7.X$A,<YZ<+K$.$)#PMK5\\+Z
MKMDAO/[B<#'WP]JB8%T73#<S6.FHYD!ZL5L`V9?/;\(?!5_"0"^D$9`JQT"J
MG%@D%^K+4Z`OQT'>K=!&E5,@5<Z`5#D'LLK#T7VP*BQ@H=(ED$I70"I=6V0'
M/7Q)'T]$&U7>`*GR%DB5=T!X#CA\3G4/`U4^`*GR$4B53Q:U)SK\"ND9;519
M?H;9[%,[C_-/7X.I]K2-(GNN)Z-).(.W4>7(MV&E(Y>?9K9=.O((I?9\AS^L
M*3_5;%M=U/U$:O8?GY!(9KO2767=&11<'X)5S,Q:N?4(()VV%M"216'/W9"U
M<NXH(VCI/7$,I/+)5?(KED^AI?(9D,KG%LD&09.L=^/1.*@)%RQ=0D>E*R"5
MKBV2AS0;Z>'+23!1K5EY`QE5W@*I\DZ5>T[YGN4/T%+Y(Y#*GZZ2/[.\))>)
M*R=B)+DLTPXDN0S[]EF?SCOD$6JN_+)#'I'US3,OR64&8,+13ZYF`]5-KN_:
M$+HSV[!>SAG4%-3;/!F-@A7MS#:48B0NJ7,@G3X6%DWD6MMJT?WM$@WUS$=`
M*A];=*_KE01(3M*WY5?04OD42.4S(!U]#F028SQ\"&LG!2Q4N@12Z<HB9^0U
MD'E%H"OGK!=4></*6R`=],ZB_E.^1T.5/P#IP(\6.0,_`?6>\C.T5%YRSAZ1
MZDO.6:;CEYRS[)MG77*.3LX4H>8$I%S0C)TS_BDBZ_Y;9UYRSE7W<TY*'W]#
MSC4JP8+1(KF4MH',W_*YLU:Z!)X#R9#;AEP(A)6]>/`/KL)`]ZXB(.TLMNA>
MUPP)D'T-[.4X6'RL(*/**9`J9T"]AY'#RG;6\=N1!4RTNQ)(NZLL<@ZD!C+:
MDI#!+N8:,JJ\`5+E+5#O@>Q@90^$?_)T#POM[0"DO1TM<H[C!`2'W`7'<8:,
M*DMJ4F!):EK6>R22K=;,]M?Q2XZ2KM;&Z7(!ID<CZ6KLG,.1=+4,?KD+;E(D
M75UU/UV;/>&^2^1U[U+=F:UE[QII4'"#%ZS(9K:ALX2?`^F$M["H><M04SA<
M9B_14&?/"$C3,092^>0J^14:JGP*I/(9D,KG5\D7:*CR)9#*5T`J7U\EOT9#
ME=\`J?P62.5W5\GOT5#E#T`J?P12^=-5\F<T5'G)2!M@JB\9:9EV(.EG6'_P
M2`;:IDX7B#LG.B4#N0N$V2-=M*%WZ<)/PV;#VDW#_@<P[LS^MI=N!@6W@>$^
MF6WHK+KG%C4/&VINA;\YM+!6S5MJ:A6N]9;6RKLS-.-R>HPQ"%WY)$#>(CA,
M\!7+IVBH=T&91?T'E%NK_@,JN,>2>ZR`](!JH-X#6K/\!@WU@+86]1_0SEKU
M']">>SQPCT<@/:`34.\!G5E>\I0B0/+4L/Y#DM2U0=T;=9*ZQLP).UGK<J\(
M3V^+&W:]QR574+<+/W6;S>\GI*[9*_=2UVZ?N_<+(]HGNS-6#\YGA(!TT;``
M,A^6O;T/*W1+&.@,&0&I<@RDR@F0YPM.43M*E4_14.4S()7/@<S`!P^CH,)2
MP$"52R!5KH!4N0;J'?@:5BJ_`5+Y+9#*[X#,P"</8=%I#P-5/@"I\A%(E4]`
MO0,_PTKE)>4H5B3E+-,.)+\LLR?]=M)1&"6'2FZQ?!M7CGP;6+T'(+GE=N'G
MEK1\2FXUYL%=HT'!*C18(,_NC)676Q;I\2Q@I2N$)9">_`A(?1L#J58"I-/\
M"DBU4B#5RH!4*P?2<15`JE4"J58%I%HUD(YK#:1:&R#5V@*IU@Y(Q[4'4JT#
MD&H=@53K!*3C.@.IE@0^.5("GSPI@6^9#DVN(I8Y>JW+=7"R`&2]UNDZ/`EK
M5\\/ZV:[^`F7#+.[[%TR#`I6>\&4.9,633XX:Z\YD%[9%Q;9"NO#*+A%6]K_
M[EQ=(ZCHX<9`*IP`]5Y:5RR?HJ'*9T`JGUMD"\^#(7UQNF#I$CHJ70&I=`W4
M._(URV_04.6W0"J_L\B.7';^`L?M6?D`&54^`JGR":AWX&>6E\RA6)',L4P[
MD,PQ#&=],KX/RMZ22,;$"1BY9+`\`LM?CEF[W@.0W'*[\'-+6CXEMQKSX))A
M4'#)H`TU:Z5WG_,[BW0"65@D6X.]MTVVH<Y&$;14/@92^03RLCC5NS)>DY%\
M"BV5SX!4/@<R^Z9WX\DM[5&3=(E&*ET!J71M4?\=\QH-]<1L@%1^"Z3R.\CW
MGO<]&JK\`4CECT`J?X)\[WD_HZ'*2YK9$Z;ZDF:6:0>29I9]\]1+FM&YES1C
M^268(X_PZC_]DF9N%UZ:->]J>VGV75MK%Q4_^RSR?[R!MM9@I4_$S"UR/^T&
MY-Y8\=8:K-0E$<O'%MWKFB0!4O^N6"MEK0Q6NDV76V1_*W4\>@@K,`4:Z3!+
MEJXL<H99`^DPUZRU8:TMK'28.Z#>,[J'E0[UP/)'BYRAGH!TJ&?6FDY9;/H:
M=CK8Z<RR;Y_4:1LU.M3IHD-^:9DSV"FBY%Y'.T68R$\CR9ZOGS%RSOZ&C&E4
M@HPQJ/EYC?8BP!MC<A*:AO)S">UF-)"L4]N&O#$&*_-INKO[\'<]EC#07(R`
MM+/8HGM%"9`N:59HJ%HID#;,@'H'GL/*_HCL<#2Z#YX]+F"BW95`VEUED3/T
M&DB'OD9#U=H`J=86J'?H.UC9H0\F=\&%=P\+[>T`I+T=+7)&?@+2D9_14+4D
MQ2A<),4LZQV[9)TULX,?#Q["C4)).VOC=+D`T_%/$5O.`4C:F;;W>@22=JZ>
MGW92U^Y-N^LVN)I/NH=Y9U`S,[3IP[\"8AN*E>9=VQ!HP59+1A&CF%'":,4H
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M,"H958QJ1FM&&XN<H6[5RAGJ.'C`8*=6&.J>T8'1D=&)T=E#?A@VFTAN&/8_
M03$Q>T[>[&708_%FK=QX,^B13UC8'L4*9V;)*&(4,TH8K1BEC#)&.:."4<FH
M8E0S6C/:,-HRVC':,SHP.C(Z,3I[R(\DN;]Y2B0UYL',99"_.T.?B)`?RF@:
MNKLS0'I-70!)):Z]R^!/1%@KI^0>H:'>)L5`*I\`]<JO6#Y%0Y7/@%0^!^J5
M+UB^1$.5KX!4O@;JE5^S_`8-57X+I/([H%[Y/<L?T%#ECT`J?P+JE3][\GZ@
M-IL@3YCRS)Z)-^79;12Y>VZ#:T0?5VA^`U0"U7D*;@XDMP]MPX[2D6GXR.X'
MM+2,%@%I52X&TNI`8I$G3Z^XK]!0Y5,@E<^`>@\H[^J1"LH%M+3'$DA[K(#T
M@.HN>3J@-1JJ_`9(Y;=`O0>TZ^J1#F@/+>WQ`*0]'H'T@$Y=\G1`9S2\R/L1
M+JGQE`AOS(.IV"!_*AX'U;19\R9(.!5;I/FZL%;]3]@MK94W%9-\C!Y5/KE*
M?L7R*;1TMLF`5#ZW")O.]))LP<HE9%2Y`E+EVB+[`,'@Y3C8$5ZS\@8RJKP%
M4N6=1=\<\YZ5#Y!1Y2.0*I\L^N:8SYZR%Y3RJLQ3@O)B[@>E1<$.<_`0P`Q6
MFF)S($VQ!1#>;;T+5N1+&&CR1D"J'`.I<F)1^UIKD#0K-%'A%$B%,R`5SE78
MN7B$-ST%&JI\":3R%9#*UU?)K]%0Y3=`*K\%4OD=T+=.^!X&JGP`4N4CD"J?
M+/K6"3^CR478#\FF_'W]2D!>[`KG28O\>3+<ZIE9*W?)"J2YM8"6K&]U<1#Z
M=VFMW'D26IJZ,9#*)U?)KU@^A9;*9T`JGUN$!UQNPM\:+%BYA(PJ5T"J7%MD
MYYS1R_"QGS4K;R"CREL@5=Y9],TQ[UGY`!E5/@*I\LFB;X[Y["G[0=D4J=V@
M_*XRH[SI1+%JT"-OW]J&SLN.<R#-N060>9-R</,0NGL)"STI$9!F>&R1I"CN
M[A,@\Q;EB-_[@XPJIT"JG`'IH',@.^C;F^#AI`(&JEP"J7)ED3/F&LB,N>/+
M0I!1Y0V0*F^!=,P[(#OF(?V.X!X6*GT`4NFC1<Z@3T`XT>&C$V?(7)3]&&WV
M/_YZC#8JP27>(G=SD#?E[ZV5UH3F0!+C.GF&1[2`E7VE<'@W":[.2UAHG2H"
MTMYBB^0$:=B:,<E_:3YU,'H9/"N]@HH*IT`JG`'U'D8.*]/7[6WXVY(%#+2S
M$D@[JRQRCJ(&:M^)#,[/&C*JO`%2Y2U0[V'L8&6]<3^X#YZAW<-">SL`:6]'
MBYSC.`'!&S?!R\-GR%R4_=A^;)OGNIUO>>2%@MN@8/T:'//,-G3+!D`Z+RPL
MZG\2;8F&.A%$0!JZ,9#*)U?)K]!0Y5,@E<^`5#Z_2KY`0Y4O@52^`E+Y^BKY
M-1JJ_`9(Y;=`*K^[2GZ/ABI_`%+Y(Y#*GZZ2/Z/A1=X/X&8?QYV<^TOZ\AP6
M!:I!P:HVN$.:V8;>JM9N(?7F_<(VE,61,U?S0M=H>0M=@YP>8PQ"KWX)D%0/
M]%)`3_=:*T<^14-=VF46];]PEUNK_@,JN,>2>ZR`](!JH-X#6K/\!@WU@+86
M]1_0SEKU']">>SQPCT<@/:`34.\!G3UY/\*;G:,G1+C9:'(KN/)D5!/T_E1,
M]2U8:;[.@31?%Q9Y]50J!B[14*>#"$CE8R"53R`OL=\7SO:`5#Z%ELIG0"J?
M`YG[\N%#^(.R!0Q4N012Y0I(E6N+^B]1:S14^0V0RF^!5'X']*V![V&@R@<@
M53X"J?+)HOZ!G]'P(N^'9[-#]83P-!M:7G@:%$S`5.DR5LYT.)>G^YJX=MX-
M65B$F]R[0?#9CJ4U<&;""#(Z<<1`FL8)4&\:KU@^14.5SX!4/K>H?Q(J6+Z$
MELI70"I?`_6.?LWR&S14^2V0RN\L^N9IW[/R`3*J?`12Y1-0[\#/GKP?GLWV
MTA/"T^Q&>>%I=[;\_:_@;GHFW\Z\S+&:;',@3;:%18_-GE9+<SF"ELK'0"J?
M0/Z1V9/D4VBI?`:D\CGDS21T'WY^L4`3'7<)I,(5D`K7$.X=]QH-57X#I/);
M()7?0?X;X]ZCB0H?@%3X"*3")PCWCON,AA=Y/S@EJKW@_+[J5Z,25!8,>N0%
MF7MKI0]8SRUR7Y"Q2)Z>OGS>].;^+HC])1KIR8I8.K9(EO):1C`#D+4/T(JU
M4M;*8*65M-PB#',\#F;^`FUTE"4K5Q8YHZR!=)1KUMJPUA96.LJ=11CE<!1^
M\'N/1CK,`TL?+7*&>0+289X]+2_RY)/`?T/D753\R+/HD1=-8*6Y-`>2:[JN
M_*BF!2N\KS&^#TI/2UAH4$=`VEMLD2QK$'D)D%Z/5FBH6BF0-LR`>D>>P\J,
M_'9$]5@8:&<ED'966>0,O`;2@:_14+4V0*JU!>H=^`Y6]I1/)N&G@O>PT-X.
M0-K;T2)GY"<@'?D9#2]:?LB&^U?A9'E=J>J!][4L\E_2&`?O`<W4"B$S9[1@
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MHSVC`VL=V>K$Z.PA/T8>VY1Z_4F6B'(=[Y@2FSVPM\\^__1\^L![4A:Y[QX!
MZ5W)W"+_W:/P1QT6:H5Y<\DH8A0S2ABM&*46.5&>J94NFD?CH'26JQ6&6C`J
M&56,:D9K1AN+G*%NU<H=:G`KN5,K#'7/Z,#HR.C$Z.PA/^;D'MZ;E\+5Y74Q
MUZ@$-T0&/?+&R(.U<L/0H.`-I6`#=6$;NF\H,8I8/E8KUQ_!4YF)6L$?*T8I
MRV=JY<B'GXW*U0KR!:.2Y2NU<N3#9TIKM8+\FM&&Y;=JY<B'H]^I%>3WC`XL
M?U0K1SX<_4FM('_VD!^_3]LE>N!=(HO\7:+P48(9K+0\,0>2ZW+?G;O=LS%%
M./F>57!_M82,UB\B(.TL!NKM++%6]BG)%W?!C+B"BO:5`FE?&5!O7[G?UT/X
M#F$!%>VK!-*^*J#>OFJ_KQ=A>60-%>UK`Z1];8%Z^]K!RCA,ONL4;(GO8:"=
M'8"TLR-0;V<G:P6'#<*?[CM#YM*9'_G-+M`35I2->3!%&^1O0(6?Z)P]&"NI
MYB(=YT!:^%A8)&6,IEHJ/R\3WG`M8:'/]$304>D82*43-#32+P;#(86U&:+<
MS&*(*714.@-2Z1S2YL?K[NZ"!X@*_'<5+J&BPA60"M=H:(1?!,6Z-?ZSZFX@
MHKI;(-7=H:$]S>.;\-FV/2Q4^@`=E3X"J?0)#?4T!]?<,RPNTGXL-ELK3XA%
MLQ/C[C8]&!3$8E#+GEDK+Q9-0RGYPO<+:R6Q"+0$TK,2L58,I%H)&JK6"DBU
M4C34,YP!J5:.ACI+%$"J5:*A:E5`JE6CH6JM@51K@X:JM052K1T:ZC'N@53K
M@(:J=012K1,:JM89Z*+EATVS#^*&S?<M/LUNBA=-!OE/00^"B7SV8*UT(I\#
M:?UV`60>SKV;3(*T6,)`3TP$I,HQD"HG%LG;-,V<^6(X".X*5FBCRBF0*F=`
MJIP#V0>*'\)?O2A@H,HED"I70*I<6X0QAVO#-9JH\`9(A;=`*KP#,D.^GX1O
MS^]AH,H'(%4^`JGRR2(,>7@;K,#.:'-1]@)T</.W[!<9&?_B"]9D1[M\Y*>@
M828_Y(7);-XRJ3:U3?D-T];,/!][.WH(=ZZ7K8G>?T4MTQ[CEO7VF+1FIL<7
M@]N;X,JW:DVTQ[1EVF/6LMX>\];,/@-\.PF2O&@MM,.R9=IAU;+>#FN82<Q<
MDG80KG/6L)#?PH#'-BW3#K<MZ^UPUYI9+TYNZ7MGK8GV>&B9]GAL66^/I]8,
M7KP+]^S.K<FEQR!E_I[]JL$-;UB!^:7]\(YJYIC!`Y(S1LXM[G<PR0BRDXP@
M)AE!3,*?F,0[,8EW8A+OQ"2XB4DX$Y-P)B;A3$QBEYA$*S&)5F(2K<0D-(GM
M.YC$(ME)+!*3P",FD49L.NV"K[M@5RA,NV)ANNAJWA4-TZYPF`;Q$&2$Y)NW
MS.FHWPZ;GQDP!5R94NA6#<RM_K=,TUX.S;1UZ_\=3`Z,[.2X#'.JEW)89"=A
M3DS"G)B$.>E)F).=A#DQ"7-B$N:D)V%.=A+FQ"3,B4F8DYZ$.=E)F!.3,"<F
M84YZ$N9D)V%.3,+<94'X2`G!"Y_O6B4/;AJ9<`UBF+LQ`#LG"B2JC-TC6P..
M&>9=";2V*9@$&C$)-&(2:,0DT(A)H!GF#%D"K;7[/];.K2F.(PO"?\6Q[[:8
M&1#0X74$,`($"$8(W7C3>O$E?)%#UN[^_?W.U*6K*Q.8]>H)*?-TG:JNS.Z>
M4STUXS.2+A$T8:5[:*\>6C"T)QC:$PSM"8;V!$-["6NZC/9J7-OE[D,!<JQA
MI7O(43#D*!AR%`PY"H8<6ZR3XQ=9I9IMZ3)5P1Y9,ZAAD^M>:NZ158-R:+ML
M8#`4FIIKI@>%NA1]]1K1UK`R/8A6,$0K*1!MC6L4T'_&XH)9PTH*1"L8HI44
MB+;&-2GZ4:#C&E92H&/!T+&D0,<UKDG1CP(=U["2`AT+AHXE!3JN<4V*?A1(
MNX:5%$B[Q3IIQ])37X^8/_V&F[-;<YW<L].J55N$F&TE;+JRT/_"*8\H.6PL
MY7#!S1@V?/`37@XKBPM;W3<YN?SFB/$C,N*6A(A[DX2(.X65>O6\_V2`U"4A
M4I>$2'V3A$A]DG!_ORO]HGO)A^XE'[K?)!^ZG^3[NEL7Q`.2#@](.CRP23H\
MD,/*8L-^=[7'$9(01TA"'+%)0AR1PNH$]E_IQQ]MPLX?_6+;7WP2T46XV59>
M)FNK(8N^<W@EAXT51[R2L/;=[8+E]XWW9(]PC)&/&EV',:1UC"&MXX*,I5?#
MO][N2X*X0%K'!=(Z+I#6D7QMO?%^_\U)A"\I$+ZD0/B2`I5OD@*Q2PK$+BD0
MNZ1`V0F[=P90MK2.LJ5UE"VM(^.,W3<#R+AMO9-Q+!?UE_G9SC>Q@>;GGW[^
M_I>-WGF8;:55I^DE/V'K^DB]<+NJ7HIK?W&@M+>`JH>ZJEX^M+P*OM.OAJ+M
M'#*Z!&U+1K2=,?[<GQ&YIS!VA5R7O)[V/Q6`W'-#8T+DGK&Q$HO<,\:?^Q/B
M@!26$[J+?FYGS(?V,S;F0_L9X\_]^;!#"JL#_/;)O_F!BN_S!W)\D)L9T^&#
MC(WI\$'&^'-_.JR1P_(,+G9VNML,WL@A8T:\D;$Q(][(&'_NSXA=4E@=8/\J
M.W;)#:T3=G:)%;:'[++9"^BSK;12-_5+PJ8%O7[%G<M^#2O/<5SV!7MF,,P@
M<9A!,,P@&,H7#*T+AM8%0^N"(6S!N(X+AI8%0\N"(5S!$*M@B%4PQ"H8RA0,
M*0J&%`5#BH*A.\%0FF!1T%/PT(%."E'0T\.=&`Z<&J*@IX=W>N@<T:];/E;0
MTQ5*=E-:EV.FRN\7$QAN#6N4+QB#%8RQ"L90!6.D@J%\P5"^8"A?,)0O&,H7
M#.4+AO(%0_F"H7S!4+Y@*%\PE"\8RA<,Y0N&\@5#^8*A?,%0OF"A?`51OH).
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M+D5?/D6T-:Q,#Z(5#-%*"D1;XQH%]$5@+I@UK*1`M((A6DF!:&M<DZ(?Q<LF
MK*1`Q_70@J%C28&.:UR3HA\%.JYAI3ET+!@ZEA3HN,8U*?I1(.T:5E(@[1;K
MI!T+.*VT'[M1IP6?J883-JU?RYOQ,V[DL;#8[F57,8HP]W\N?5;"V(0G*@O[
M^]W;0MS;<]MM^;I@8^4.0>>X!_,AZ!0VV?1GT6^LB,9KUJ;W>]V;1<@^AXT=
M0?:;=`39FX[(=E(XH7:D3#I.D*PX89.L.&&3K)A#LF(.R8HY-LF*.6I6.\DX
M1?+A%,F'4S;)AU-JOG'V9)(Q3\TZALV;2>[\%*M&_XN?TBK3U$\)F[[CK#5N
M;J3AIW;'IUG!QI<?,4^*XS<PXKSRWTZ@N"=%M)L^%:QI'??DC&/K6"5C?!:H
M#E[TOW&-56J*,:P]B^M76K!*;FW<\0"K2%9\4;/&F!;]8AF.J/D:1TCC.$(:
M1_ZU\;&OB_YM4.1?4XQA,B0<(5EQA&1%_@DKT[2]UWW)`/W7A&5,Z%]:1__2
M.F+/V&2:^MV_$'M-X<?4B3V6@%JQ_[5UGGCXZ=\XR=@C;V;/2MAXW5]6;*Q_
MXH&48B>]C?ET;[_[Q@`>R!&CMGDDRMC8.A[(V-@Z'DC8^M6PT02S[@5P3%!S
M^+-;3"!I,8&DQ00NK;L[U+1%-]P=)`=>D!QX8:,<F$%RH'S)@?(E!\K/V'V3
M@_*E=90OK:-\:1WE)^R1R4'Z-8>?G$[ZL6ST!:2?5I^FE_^$/?;"]RP?.KZX
MB_0SQE"J#LW24`Z+E\G6M]JMA;P/4%H:/W!@!\F('3;)B$-R&']JQQ8[W6,<
M!LEA7(5JF%Q2N4ODL''H&"1C#PX=S^2PM$;E;ARU"XU9)!]FV20?_JGYQA&Y
M>TG-.H;)P'&4=`1';=(13);"ZIPOFD>8]74'E]5.E*'C,LF(RS;)B/%R&'_J
M9"YFW5T-W^6P^^:\\UVL/SWDNPT7F7BNT7M.7OUJ]YO7'Z.>Y4.;-\0Q7CVT
MG#KN.8)QEQ$,6PF&K03#0X)A&,%PAV"X0S"L(!B/38)QJQ`,]0N&U`7CMB`8
M(A8,$0N&8@5#HH(A4<&0J&#H43#$)QBE=@,>.O#(@4X+O#5NVG1J8)')1'9Z
MZ!P1BU*M(Q[[!)\6L::WG(3Q4:?(E[%E;+P#,+2$-:5=1B88`Q.,<4E[#$OB
MD+E@R%PP9"[M(7.)0^:"(7/!D+FTA\PE#ID+ALP%0^;2'C*7.&0N&#(7#)E+
M>\A<XI"Y8,B\Q3KYQ").*Y^_^`R?UH*FJDH8#U:-JC(V457"'BVUU[#2'$(3
M#*$)AM`$0VB"(33!$%K"^&A4\B*T&M?<VV1CF2:L'(KVZJ$%0WN"H3W!T)Y@
M:$\PM)>PILMHK\:U7=92>PTKW4..@B%'P9"C8,A1,.388E,Y4H/X$G)<-].M
M)V8LGO/K\XC\"NS1K(2-T[TLV&.E]GSHI-2NV$EIKIF>TX)-4_3EW>=-6)F>
M,X.=%ZQ)<5&P:8J^2/VB"2LI+@UV5;`FQ:I@TQ3]*%XV827%M<%>%:Q)<5.P
M:8I^%*^;L)+BC<'>%JQ)\:Y@TQ3]*-XW827%[13KI!T+3/__E3;*['VU)&-=
MM:1[!QIIIT/;G_.J6/N4;CXRYD/C4_3Z(Z-L<EP;:@LHFA"AYTX\F!"AI[#N
M8_M.-R;$GYOC#C>ZNO]L@Q]DZ/AADY[@AQR6RA.S_;WNPS+NJ'TH0L`=DA!W
M;)(0=Z2P?NC=I1K'U+0/#!T324\PT28]P40Y+`U]OM][`$O5/I2A8RE)B*4V
M28BE4E@W]'E7L<9F-:T?>N>\6/_Z`LY+RVB39QQ6L\*-CQ5K<MCDV_D%F]R/
M^I=TG[&-3?)[JECL&^/E@/&&Q1TF8V.%!.-E[,%\&*_F&T_MPOBN9AW#I&*!
M[Z0C^&Z3CN"[%%8J%M9XM1-%?1A/,F*\33)BO!S67IIXZ[9_S;>$W5>Q6)=3
M\)UT!-]MTA%\E\+*T*WQ<DOCK&,\R8CQ-LF(\7+89.C&=S6KG_7.=[%T]I#O
M-BS6S-,2W-1X"9N^%]F_(,TMKX85A?`T)Q@N$^S88!A+XC"68+A(,&Y5@N$/
MP?"'8)A!,&X[@J%^P5"_8$A=,.XG@B%BP1"Q8"A6,.X-@B%1P9"H8.A1,"[Z
M@E&L,>"A`YT4>"_2'.[$P'N1)M+)@?<B)Y')$4_^_.GN[O/RP^</WWW[V]VG
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MKQUB&U%E^'4`9MM=$=AXG_/FO,0^]\R<8]A6GM8<L]S?H=?N48&MS\GC&'8M
MYXPZA@W'Z8%CV"L<ESB&;;[IFV.6N_1ZU_9ZE[[Q_6L];Q<PUY:Y@;FUS'+W
M*8Q[*N+W,3@[;A;XM0O.CF/X[0K.CF/X)0K.CF/X70G.CF,.CI_RR';\U#U_
M'9P$=^*YT^!.+;?<952[+MLIS)EE+F`N+;."N;;,#<P;R[R#N;7,+=V^M;T^
M.(@1'7CN,+A#SQT%=^2Y97!+SST+[IGE;J!N+/,:YK5EWL"\L<Q;F+>6>0?S
MSC+O8=Y;YA+FTC)7,%>66<&L+/,2YJ5EKF&N+?,*YI5E0I1>D\]AGMMCSF#.
M+',.<VZ9"Y@+R[R`>6&9@^4.GPV7O!NJ5Y6#9\$]\]QQ<,>>.PGNQ'.GP9U:
M+B3K%1N"]7H-N7JUQB7$7T'B`N*O'^_HW#O;M_<P[RUS"W-KF8.#&.N!YPZ#
M._3<47!'EKN&NK;,*YA7EKF!N;',:YC7EGD#\\8R;V'>6N8"YL(R+V!>6.82
MYM(R5S!7EEG!K"SS$N:E998[.R$[=_.,L^U/=GC#6R.<X8T1OO"V"%=X4X0G
MO"6>PSRW`SJ#.;/,.<RY9=`;=9@E/WEOS'X<W*GEECM1I>$'G/6PY0[/92R]
M*G,!<VV9&YA;R]#!*.Y8CFYS8EW7Z31]<,P%S*5E5C#7EKF!>6.9=S"WECG?
MWAK.MUW5X`+FTC)7,%>66<%<;[O/[ZMM2A?VF.4VX^%+,SH/RP6"7+BG[5.8
M,\M<P%Q:9@5S;9GE@M+7PMU'#AG/H>WU$<R1998PQY8Y@3FQS"G,F67.%\S/
MPLX/S*5EKF"N++."N4X[:77UQ-6"^;''+!?,S\+.SYSYX<>8=>9.8<XL<P%S
M:9D5S+5EEG/F9V[GA_$<VEX?P1Q99@ES;)D3F!/+G,*<6>:<DN,YR]IZ#BY@
M+BUS!7-EF17,M:U?KN;,CSUF.6=^6`?4'BPI,Q[;*N,IS)EE+F`N+;."N;;,
M<ETZMO/#>`YMKX]@CBRSA#FVS`G,B65.8<XLPQ8F`^\"FK-#12J*AH9AFY*!
ME_L,0Z4J"E6669=F#4.%G&/L_#`]UCU,CL,OF!J'KY@8AR^QC9T51G%HQ\<N
M)`.O$-M1K$NSAF&7D8&W-PU#W1*5K9DG]7+SYW??_O'AQ[L7'S[]^//O?W[U
MZ]T/K*1MK3=G^_3SC_$6:_K/YX]_K'\,\1\?/W_^^-OZGS_=??CG';^!N/4-
M[T+\\/'CY_(?I/_D/Q\__;)>K?ONOP(```#__P,`4$L#!!0`!@`(````(0"'
MG44@@08``'X9```9````>&PO=V]R:W-H965T<R]S:&5E=#$R+GAM;*R9VV[C
M-A"&[POT'0S=KZVS;,'V(K;.:(&BV+;7BBS;0FS+D)1D]^UW*!XD<KQ.TMV;
M*/DT'')^#LD1L_S\]7R:O)1-6]67E69,=6U27HIZ5UT.*^V?+]&GN39IN_RR
MRT_UI5QIW\I6^[S^_;?E:]T\M<>R[";@X=*NM&/77?W9K"V.Y3EOI_6UO,";
M?=V<\P[^;`ZS]MJ4^:YO=#[-3%UW9^>\NFC4@]^\QT>]WU=%&=3%\[F\=-1)
M4Y[R#L;?'JMKR[V=B_>X.^?-T_/U4U&?K^#BL3I5W;?>J38Y%WYZN-1-_GB"
MN+\:=EYPW_T?R/VY*IJZK??=%-S-Z$!QS(O98@:>ULM=!1$0V2=-N5]I#X:?
M&9XV6R][@?ZMRM=V]/ND/=:O<5/M_J@N):@-\T1FX+&NGXAINB,(&L]0ZZB?
M@;^:R:[<Y\^G[N_Z-2FKP[&#Z78@(A*8O_L6E&T!BH*;J>D03T5]@@'`S\FY
M(JD!BN1?^^=KM>N.\)L[->>.X;A@/WDLVRZJB$]M4CRW77W^CUDQ7]2+R;S`
MDWFQW*GCZ99!G-QI:+&&\&0-36=JV'K?^9UV-FL'3];.F=JFX\W?ZA"&T\<+
M3]ZA_KZ6+FOI#2W?-518:7V/\.1#O2O)@MG#D]D;T/2.%@8D#9U#DCUT>NZJ
M.*,YT*=4D'?Y>MG4KQ-8IS#)[34GJ][PB5>>3+1SD5X_RBY(*^+E@;A9:3!H
MR)L6EL3+VG*\Y>P%TKA@-AML8\@66VY!<I:X#500JB!20:R"1`6I"K(1F($L
M0AM([5^A#7%#M.%1;3@8Q#(5(;@%;Q*H(%1!I()8!8D*4A5D(R`)`4OU5PA!
MW*PT^#E*DKD<^8;:N+#BA)$KFVR%B5`'D1"1")$8D021%)%L3"218%_Z%2(1
M-RO-O;^4F-$]E82)4`F1$)$(D1B1!)$4D6Q,))5@$Y94NGUH\6V%6/=B\"`V
MC,!.*?+#<A9*A@@CWBQ`)$0D0B1&)$$D120;$REV.$X^$#NQEF.GQ(-=>HC=
MU978A9&('9$0D0B1&)$$D121;$RDV"%5/Q`[L99CI\2PQ"ZZ9<06)*#$'G;:
M$)$(D1CY29!-BD@V)E*@L'"E0.F!.O4@*[IC53QM:I@\.'%N)+X%!R<]3HD3
M.7Y*H,SCT[IE9!0_)?9X;9B>LGN&PH@[BA")$4D021')QD22!`;T\Y(0)[(D
ME)#*5RP'$VT%S&BD$B6.WE<IIFY8\@(*Q7LA$"(Q\IH(&U+[@%?E1$_%>^XU
M&Q-)+E*&27K=2!6HL7FN].:R,@R](0VW&FG#D`/Y.6CJ*85<.%CQ8"*,8HP2
MC%*,,@G)RI!*;5RMOJ$,+>S@+.7CW!@4V5#IB``M%]6AU(I^Q+%*E")GW-!T
ME5D.F7N'K.27M0%YH"LF$3,Q^V^\WG?,T*B[A"-84V*<J+N467D>[4XWYZ;2
M729U)XM)JKT/B$F+0TE,BDR01@S24C79&LS*%+,0<.0*%')D]Z'8AN$NE%F)
MN,FP!\8<#;X3C@;?*4=4)FMN6992,63<I/<MRT0*O@_(Q.K#<<Y1I.2<LNUL
MX6@C&]PH"0*.!E\A0RS!3,MQYTHH$3.1$@SY3K#OE"&63:;A.7-;WALSR;<L
M$ZGXQC+]KW//8'7C$/&&(0?>C)),&=B66PVY$7`T)$+($5LOSMQ5_$3<8AA`
MS-'@.N%H<)URM*!+T;--I3#+N$7O6M:.5(P_KQVK.X>A;\@!0`Y-N6)TY$G=
M<BM#K,:`(UBZ0G2T_83<BNYV'JPK6ZDV(FXRG#$Q1T-W"4?24:YN)"FS@BVU
MU]@S89-08LFXI[X_6612FJHBDX,.W73T9=J7^OJC,FU\]M)Z5]H410D\2&>Y
MBBY;0UCQHRG`*,0HPBC&*,$HQ2B3D"P6*6]5L>"""28(R?7&&4P+94DABI3O
M&*7(V,)&2'(7K`:%$`JQ5811C%&"48H1N<8=!D$5HM>R]`[M7#:'<EN>3NVD
MJ)_)E2M(NEX*+.Z#'_H#2N$;<D],HE.YZ<--S`UN^7#[@/F#[3_`0/&+C>W#
MA_@-[OCPD7J#NSY\P-W@!KR`R&Z]\?A=MQ)$X/GPK85;)-#@%@_F/GQ`8/M@
MX4>+&SQ9^%!!W[`W=!@1O4`70X+;[VM^*/_,FT-U:2>G<@]3I???9`V]/Z=_
M=&S1/]8=7'OWZ_\(_^<HX2I2)[F_K^N._P%=S\1_3M;?`0``__\#`%!+`P04
M``8`"````"$`@(MGM5$*``"A+P``&0```'AL+W=O<FMS:&5E=',O<VAE970Q
M-RYX;6RLFEMOXDH2Q]]7VN^`>!_`-VY*<I3@NW:EU6HOSX0X"1K`$2:3F6]_
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MC?6%RCDOQHLQ5+J[>=K"#)3L@V/U?#N\]Y9E$`W'=S>M0/_;5A^-]>]!\UI_
M9,?MTS^VAPK4AOND[L!C77]5H<630I`\%MEI>P?^=1P\5<_K]]WIW_5'7FU?
M7D]PNR.8D9K8\NE'7#4;4!3*C/SV,C;U#BX`_C_8;U5K@"+K[^WKQ_;I]'H[
M#*+1S)LL@AE4>:R:4[I5)8>#S7MSJO?_UT&>NJBNB(]%X)6*3$?1;!)X,.:Y
MQ``3X143?6\4^M%L?BDSQ$QXQ<SP<XEP0>V$X143O6CDSR,OFEZXV"EFPBMF
M3D?S*`JG<R75&7EFF`BO5\X25FE[L?"*F>='6F`\O-+D9I^Z$1XTGNX#U8'Z
M'L_.SFZL&ZGMRWA]6M_='.N/`2QV:)7F;:VV#F^IRE)':H&Z'OU9BT);J2KW
MJLSM$"8.W=?`NOIV%T6SF_$W6`L;C'F0,1Z/6%&$ZE95-G9!XH+4!9D+<A<4
M+B@M,`99.FU@@?P.;509I0W-ZH&`$<MWA*`(2HE=D+@@=4'F@MP%A0M*"S`A
M8,'_#B%4&=BQ6)/,^<P?=,P4%E_725,>LNI".G4$201)!<D$R04I!"EMPD2"
MO>UWB*3*W`ZGYY<2!IU3J0OI5!(D$205)!,D%Z00I+0)4PEV1*92_\E'VXJ*
M;L6@23P@@2VSZX\H6C@=T@516BQ((D@J2"9(+D@A2&D3-G<XBJZ8NXKF<]=D
M!KNTF?MTXLR]"^KF+D@B2"I()D@N2"%(:1,V=VC5*^:NHOG<-?&";A==(0D[
M$FL2FITV$205)!-U<A%3"%+:A$T4%BZ;J#Y01\ITG%ZWFZ\/-=P\.'%Z&C^`
M@U,?IZH(G[\FX!7IMJZ06//7)+371C`)>'\D71`52@7)!,D%*00I;<(D@0OZ
M=4E4$2Z))LH^=\O!%UL!!EDJ:1+Q5>0XD:0+ZE02)!.E\R[&7)&P04471*5+
MFS#AE"%CRO4T#=A@ZIHVG&N$Z()(%&6IA"B"3NW4!<_M-).)HLFD$F42Y1(5
M$I4,<6649[-]ZP5EM,6#4Y6N\\'3*`3/8TW062TKC/)F76*,*+(3?:D,EH=]
MHBOO!\Y!E6(MO_W4V"[]3(Z8?VK$@J+4+O+M+O2B*.)WJV2C<3F5\[M"3FT4
MF9P:^3#M;K[1-.17L/(PRK?D1#3M4()1(5O94CM,-%MB)LOGA$SY@E#X<Z'L
MTEPH9?^N$`K=HMUW&CE]Y]RJ%1QT:KMC?8?(U$HP*IRU,UFXFU^*[[/V$H5S
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M?$:)9L2<T-D1"XR::1L"7\V[7TJ4&`$O,!J74_GDSS>:\@3.,8?(<0NN\Z0H
M<X+'A,P)GB"ZX#PIT>R2&2%3/B=DRA>$4*C%3%ATBI!^P%>>]`JAM(6U5V1;
MX7;H])VS;:\PBO6=K@6[!?5*0E&+UE5YGN,J4GQ?WW#]P892[/82A0N,PEZ*
M?.$$6&7>2LK:7J&0=L),(8W43>B6#G0S]R(K'Z/,O8X)F7N=(()6TI8F<#HR
MI1S[-`GGSM=Y&469P7)"9K#"'<QUZY3RL[&XCLKL7J&C]L9,1XV<3G-Z9.7K
M*-9IB.Q.0W1A.]-1K-]$^9Q&-.4+0KJ1>YPG!O1M7<K:7J&3"G=.`HULYZE^
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M^3:<RXG(L0O..;^B*'."QX3,"9X@NN`\*='LDADA4SXG9,H7A,BB2Z$H0CK/
MX#J+WH8[0FG7[O2=<ZM6F&CW'2%S8">$]($=.GM-BF_;W4495G<1,G4+1-1*
MWM2Q*R6KS!9F<)TU;\,=@;01=CK)-9Z8"`Z8=IZ8D+G5"2)C/!TSF%*.?9A(
MXTE19K"<D!FL<`>+G!_22LKYV6!<R.L<?"`=/"+>:3/'5*\PBG6:KF5_QJ$H
MV&/.;&<8Q1H.:]D-)\H7IGS_!X225>8Z*6O[^9,@T$[8/B,1\6<)9L[-6YDH
MTW"Z%B022F14*E$F42Y1(5')$)=!>65;!F5&_6@$^,K'U^"93_>L1.0HY*RE
ME8DB.6*)$HE2B3*)<HD*B=03J^KJ]3W1"NDG4/63?OOJ^%*MJMVN&6SJ=_5T
M*7B,NYL.=X^^WK=KW>$/\$AL:W5<[B_A>3&8M<L#>(2VA]^'RWNXT)Z$<`F/
M"_7P:`F/TO3PZ1(>,^GA`12"9NE[!TKUCAW[T5)]<I(Y\$D)YM?W3NS#!<!G
M`)D3^S.HUJYZ1Q0PRI#3]T[LS^&=]AQR<F)ONE2_)\AQX/<#N"=][\0>C*.W
M-5%M#M7ZQH&OCR&G[YW86\`[[??W;C68:-]L<AB^C\<P1.\(BV7:5S^'@?MX
M[$W@BO2WB-TEP0/2;^N7ZI_KX\OVT`QVU3.T^*1]XN:H'['6?YSJM_;)F\?Z
M!(]&M_]\A4?A*WC0=*+VC.>Z/M$?(/JX>[C^[D\```#__P,`4$L#!!0`!@`(
M````(0#G0;$O3P\``'U&```9````>&PO=V]R:W-H965T<R]S:&5E=#$V+GAM
M;*R<66\C.0Z`WQ?8_V#X?6+7Y:.09-!QW3ZP6,SN/KL=)S$ZC@/;??W[I4ID
M22*K?63ZI9W^1%$EBI)(J>S;/W]L7SO?UOO#9O=VU_5N^MW.^FVU>]R\/=]U
M__-7]L>HVSD<EV^/R]?=V_JN^W-]Z/YY_\]_W'[?[;\<7M;K8P<TO!WNNB_'
MXWO<ZQU6+^OM\G"S>U^_0<G3;K]='N&_^^?>X7V_7C[6E;:O/;_?'_2VR\U;
M5VN(]Y?HV#T];5;K9+?ZNEV_';62_?IU>83G/[QLW@^D;;NZ1-UVN?_R]?V/
MU6[[#BH^;UXWQY^UTFYGNXK+Y[?=?OGY%?K]PPN7*])=_T>HWVY6^]UA]W2\
M`74]_:"RS^/>N`>:[F\?-]`#9?;.?OUTU_WDQ8MPW.W=W]8&^N]F_?U@_=TY
MO.R^Y_O-XVSSM@9KPSBI$?B\VWU1HN6C0E"Y)VIG]0C\:]]Y7#\MO[X>_[W[
M7JPWSR]'&.X(>J0Z%C_^3-:'%5@4U-SXD=*TVKW"`\"_G>U&N0989/FC_OR^
M>3R^P%^CFU$4A8/1$-1\7A^.V4;I['967P_'W?9_*(6ZM!8?M<`G:@D&-]&P
M'WC0Z*5*`E0"G_0H_9O0CX:C6LN)YD.L"9]8T[_Q1Y$7#53S)RI":=U[^,2*
MH\M:'&#%85/1N_!98>+53<(G-AD:2YUXU#'6@T^R3G19)SUP*CW&RKOT\/FG
MQ]-KW`+^H.8N[*!'SJ#^H.9.CH)'(Z_^P!K114;Q:.35'Y<]9T]/@'H^)<OC
M\OYVO_O>@44*>GIX7ZHESXN5.II)>DR:N?6KJ05S2FGYI-3<=6%T8=(<8#WX
M=A\%_=O>-YC#*Y1YD#*>*S$A"35AE=J$@Y2#C(.<@X*#DH.*@RD',P[F'"PL
MT`/3-O8%;_@=]E5JE'W),@\$C,%]9DR2H"H)!RD'&0<Y!P4')0<5!U,.9AS,
M.5A8P#$F3)3?84REYJX+_UK.RESQ0<L,8*5KA`;,P(U(8V%!4D$R07)!"D%*
M02I!IH+,!)D+LK")8VQ8#'Z'L96:N^[@]-*`0J>LW8@TUA8D%203)!>D$*04
MI!)D*LA,D+D@"YLXUH:]V+%V>R1#RZV2KHU*QGA``OMDXZ]1P)>$1HBJ)8*D
M@F2"Y((4@I2"5(),!9D),A=D81/'AA">7&%#)>W:4),AQ`N6#0,VZQNAQH:"
MI()D@N2"%(*4@E2"3`69"3(79&$3QX8P!:^PH9)V;:@)A#1DG@F2L"&))J'9
MS5)!,D%RH:<0,J4@E4V<CL*"Y'14!SXW*OP_OFQ67QYVX`2PJ[=,Q``"'!WV
M*"5N_S6!7*3I/Q*K_YI`?F3\S!^RW25MA$A1)D@N2"%(*4AE$\<D\$!_WR1*
MB6L2351ZUDPK/QJS:85"EI4TB?IU-.GW/381TZ:\,9`@N=!:-#(J1@6M;(DL
MFW+26MG$,9?*,!Q[M;@*9&+D*[6X:QE$9TQ#4I9M$$7@G\:FPZ%KT]1(46<R
MB7*)"HE*B2H'N991T;"=59RQC`Z>(4:@YWQ0J1BX40B18-/!*`C=#DY0RALV
M%1-"1E=*"`:RT24<,$,IOSYXJ&=W3A6-^H*045\2.JF^<M2[QE+1[A7&TL&Q
M8RR-0@CEF@Y&0<2-I:5\WS(6(KNB/V!3(E49+8R%']8ST8O"?I^)9"1BEKV<
MD&FN(`2;3_.<HKF2I(;8W,#WV=2O2*1NSC6F"F>O,"9&OV8X'U0VKCS/?L@H
M8*OS!*4<S],5/:,K1:E(;1C?[D?AV&=Z,I1PO`[UV%XG5)=8<:BM-/"&0S8Y
M*D>U:R05A5YA)`Q:3<<>U$F!<@E[_8D"MOY,2,JX0$)HT#AA2DB[UV@XB)CG
M9B1A>Q<^@%%=D)1171+21AH-/#XI*I)H\2059EYA)(Q*;2-IQ-:P$9^66LKQ
M)$1&5ZJV"#`X>I+OC4=]EK%F*.*XDM!=H)3EI24B="7?BT9#=G13.;I=7U*1
MI&TF%4?Y`W7LVA8ZV?NACD&=A4PCYE8\5/!0RHQ]0LB,?4I(NU4X]$?,/3.2
ML-U*J"Y(RJ@N"6FW"J(@8(]8D42+6ZF`E-O+BZZ,.\%;E#LXMM/(A^BN65QA
MJ>;>AE+UV3R>L6D4F(TO1?5#KUZW_$$?3I5=11F*!&80<D2^T5V0E-%=$M+C
MXH_ZP5@L[_A$M6[7VU3L^O>MIR-@QWH:!>"UC?4&PG@H9%PA@7FD!B*`)V[J
MB2TM):F1W@>B,/+%#HJ*C/%RJF6:*Q"%=HHJFBM)2@_?*(B&/'*J2'?=G&MB
M%>^>,O%?N_=?)4;V[-9ALV-CC=S\.F2.-?$:*0H&$XE2B3*)<HD*B4J)*HFF
M$LTDFDNT<)!C:EBJ75.?#I-K<7?2(X*MGHPU(61E"XCLA%NB3*)<ZBJD5"E1
M)=%4ZII)J;E$"P>Y]N-IQH=R>+7;L+44$>QZQJQ:"N(%0@E*.7E\&+#]/352
M5#&3*)>HD*B4J))H*M%,HKE$"P>YEE8IP*E%X:+3$D@]A*4U4O&%63_%X0!6
M=(RO*_[Z>`#K@("Q>U.'4"XU%Z;B+XX(C`"IJ22:2LTS(X6:V=HW-P*D>>$@
M=TQ44F"/R9G50^<0]H+L8UIQQO@H97N^1F>.'U`]2%%O,HERB0J)2HDJB:82
MS22:2[1PD&OEZW(E2)*%BVODI@$AV_\G6!&B(S)6@B@"KS5S0V3G*!5BNLS7
MGPS+814EQ;ELJR`$4<BOVRI):JQ3<X]ELY5L:TI53+]FA$ZV-2<I;"MB0>+"
M:<L=,O#G:R:&$F?;JD9J/6RL(=-;E>)`19BA9-F$D`G94D0AGI[P5"&C*F:O
MR0D9Q04AH[@DQ>J$\=N]-V*+2455C.(I(:-X1L@HGKN*_8B-\H*JR.3&5^G3
M%4N2SK:<)4DC=[)PGY[4[4`0:IPJ(63ES(AP9@SY&4Z&Y<[,T,U;B@NIN"2D
M77,T9N<5E50\I2KFB6>$S!//$6$F[O4'PNGU\^E'=IU>Y4RVZ2_.PWV=;3FC
MH)'K_R%[F`E6')O@,R%D]HH4D0<':O6N-V*Y<D9UC`?FA(SF@I#17!+2*U\H
MSG:HW"B>$C**9X2,XCDAK7C`S[465%XK=D=!97'V*)S9DW72YYA>(V9Z=K8W
M45D^+#V.Z1&9?J0HI4Q/*U1&-0W*"1FC%(2,LI*0\>"*D-$U)61TS0@977-"
M1M>"4(M-SR6DE\6>,A^%@XIZ_0;#F55>G)B0E$G,$T3VB0DB/#$)1GR;SJB.
M67ISJ;D@*;-9EX3P'`O>3W1/8BH2,)JG4O.,I(SF.2&M&8[9Q4*O#:3/>!P_
MAZZ[?OZAS*O6XNZ\B)QS&#@N<;L\(2GC>`FATP<Q)*4/8B)OP"961@)FM'-"
MIK$"T9EC&)+2QS"#B-^:5*39-#8E9!J;D9J39SYSDJ(S'[X:+DBS//$)SJ71
MEYWXU&K8:.JDF9WX,#>;8$60HE4JD2B5*),HEZB0J)2HDF@JT4RBN40+![GS
M1F6@E^\/,/-X:(K(/O$A9!;8!)%]XB-1)E$N=152JI2H<I#;9Y4LVGW^V%JA
M4TY[JPPH,77"])`=\T\:,<N]=$WGY"8*^<D-5M3OL==GY9E$N51?&"E[8V%Q
M3VFDR.TK![E&O"X-#60:BNC,20M)V;ZD=9U)]K&BG>Q+E$M42%1*5#G(M<QU
MV9[:65BVAPA"+CR689O"A`3,#IL0`D=J8@=Q$)^2%.9^<`7ELZTL(Q&3I>6$
M3',%H9/-E22EFPM\K\]\KB()F;H%*K.P9^GIR+469XM]D[JA&5E7)UC'2JX2
M0B8'2A'A36?HAV,VH3.4L/,VTF,"RH*045VZJKT@\-@-3^6H=MV,YU=G[".3
M*G5'I(X+&C<3^R`*F'%/J(X)!U)">I#A>T<!R\LRDK!=2J@N2,JH+@FANT;\
MTJ\B@1;W4=G'%>ZCDQ5G-=<(,G]T'S;LDT`+..Z#R(QQBE+H/IXW&+'9G*&$
MXSY"=4&M&=4E(CQ/\#WV@)6CV'4>GL*<<1Z9JP28JS3.PS:K"0G8SH-US`BG
M)(4CW(_X]5M&$K;SH!ZCNB`IH[I$%,+Z:E9$?MI5447I02J8=CSH0V%"K<5=
MEQ"I!+-YL"AB,W]"4B863Q!!X$P;=(H(T[QP&`S9J5M&E8RQ<JFZ("FCNB2D
M1]CKLP>LJ+Q6['A7>"Y^ORA!KK4PR^GP76T:C>4\D8QA15@ZR4P)(5AUFHIR
M=R0IG8RUOF5`(F94<D*FN8+0R>9*DM+-M;P04I&$3)'4>>1)Y[PL1:K5,!OK
M$-]-D?C".\&*=HHD42I1)E$N42%1*5$ET52BF41SB18.<KU9Q>:7[R3JI4<6
MSR&R4R1"5EB+R$Z1),H<Y#XGC\@_ME[)0!UN"E2//.6-S>R)(GYAU(A9TT[7
M=-(:7[P5C!7MM,9!;B^OBZ[5ZL]'0R,UX%9O6,PRP8KVYH[HS/472>E7+(?!
MF(6\&0JT')FK5SRO\30=W]HQ2ZV!OP89L8!C0E)F2T@(F44L)41QW9`?_F<D
MT;)WJO#NBCFCHT&G)QJQ4>(1/(0^M6N:,#LA9.*D%!&&8,&89^09"K0-B0K$
M[(Y\;%+I<,[IGT81S!#+"WD$#HN!ZE]D@I^$D#U2*(4WKI$W9,%81I5JH[CS
M2<52U$%PJ(_U3P=D3O\0V8>$+5LU2ID;^40M%FK&VM.S9:M&*3W+6O;.C/34
M*ZSNLO[VOOZV\7:]?UY/UJ^OA\YJ]U5],Q_6G/O;!NN?#7@8Q/#-)`@C./?&
ML7J/JJ4D@%\:@/.VEI+0A]\@J.<<TY8$8:P.%&2=)`QBM>2WE810TE8'?NK@
M4ULK#_!@K<\%C]4J'T!'6EK^%,:?]%K-NO$00O]:*CQ$,7Q%3G8!;KIB=1DC
M2^#"*U9W,K($KKK@:=M*X(@Q5@>(L@X<&()YVTJ2`,P+9UQM=0*HTU:2^&`7
M>#U#UH'[QUA=A,D2N(:,D]82N(V,U;68K`/7D+&Z'),E<!L9JSLR60*7DK&Z
M*I,E<#<9JQLS65)!B;HXDR5P.1FK^S-9DOA]>+8Z5V`^`*_C@;:V$GBY#NS6
M5@+OK4%)FVLF/HRI?IU!M`-CVEH"+S6!MM;1!H/6&P77!09HX\DHAJ^FM?1^
M'&=M4[\8Q_#=K!9Y#VP"WTV"DE[3-/SXQ_OR>3U?[I\W;X?.Z_H)EJ!^_=;U
M7O]\B/[/$5]N_;P[PJ]^U.^YOL#/O*SAQPCZ-Q#)/.UV1_J/:J#YX9C[_P,`
M`/__`P!02P,$%``&``@````A`+FI>G3-!@``HAH``!D```!X;"]W;W)K<VAE
M971S+W-H965T,34N>&ULK)E=CZ,V%(;O*_4_(.XW8`(A04E6DX1/M5)5;=MK
MAI`)FB1$P,SL_OL>XP^P3^:KW9MEY\GQP7YY;1_,\NOW\\EX+INVJB\KDTQL
MTR@O1;VO+@\K\Z]OT9>Y:;1=?MGGI_I2KLP?96M^7?_ZR_*E;A[;8UEV!F2X
MM"OSV'77P++:XEB>\W927\L+_'*HFW/>P9_-@]5>FS+?]XW.)\NQ[9EUSJN+
MR3($S4=RU(=#592[NG@ZEY>.)6G*4]Y!_]MC=6U%MG/QD73GO'E\NGXIZO,5
M4MQ7IZK[T2<UC7,1I`^7NLGO3S#N[\3-"Y&[_P.E/U=%4[?UH9M`.HMU%(]Y
M82TLR+1>[BL8`97=:,K#RKPC04;FIK5>]@+]794O[>C_1GNL7^*FVO]674I0
M&YX3?0+W=?U(0],]1=#80JVC_@G\T1C[\I`_G;H_ZY>DK!Z.'3QN#T9$!Q;L
M?^S*M@!%(<W$\6BFHCY!!^!?XUQ1:X`B^??^^E+MN^/*G'H3U_'\.8%XX[YL
MNZBB.4VC>&J[^OP/BR(\%\OB\"QP%5EF$\^WIY]),N5)X,J3$'M"7'M&._+&
MS5W>#JZ\G?.19I"T'SE<>3/_(\UFO)DOFWVLES#A^MO!5?3RS5$M>#Q<>?QL
MXLP]XKTG!P$/L4=*S<2?UEM"6LP2O<-V>9>OETW]8L"TA6?>7G.Z")"`9A7>
M8L]"NNTULX'+:)8[FF9EPKC!1BW,D.>U1^9+ZQE<7?"8#8XA:L161%`+T[0[
M'80ZB'00ZR#10:J#;`0LD$5J`T[_&=K0-%0;,:J-`(-8CB:$B!!-=CH(=1#I
M(-9!HH-4!]D(*$+`;/T90M`TL/8H)EFH(]^PF!G,/.FDF1JRE2%2'41"1")$
M8D021%)$LC%11(*EZ6>(1-.LS-G;4XD'O:62#)$J(1(B$B$2(Y(@DB*2C8FB
M$JS$BDJW]S"QK-#H7@PQB`TGL&)*?WB.K3E$!HEF.T1"1")$8D021%)$LC%1
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M'3E`S]$>UI9'$5\VW''DC1LZ,ZUA**+H3'Y>$\?6:N"(!SC]"U\_UV-\LT0@
MF%&RE^AF*8_R_5=NEBDW4X6DE=XGA&2%H2(D0\[8*9ZCS:4MX5'.2$B.9A*%
M(LIE4]+S/4W72$0,RU\LT)`Z$6A(G0K$-')<=ZK5"IF(Z%.K(M%2[Q,B\<IP
M[#:&-+>YZG3:PJ9&ES;%;1P-N4(>Y3%KS1?Z"A/Q`,5:*',B;C9D3CGB/O(]
M7U,_4S*K$M$Z;RS1?]KM"*\6ASYM./+@%SD#/,?3E6,-O<$6.]%P\$#(D;_H
M[36W-9-&HLEP^UB@(7$BT)`XY8C8I,\\6R!O\?[UF57A:)$X%NZ=E8S7E$,7
M-W1Q!]=HWM)V^RV/4KS%&K(#JWX)"GD4]]9T-O,UI2,>H9B+YQD6R43<;>AF
MRA$WUW2ZL)%(+`]+K8I$J\FQ2-1=#E1>'R^D""M(E96+(<U:VAZWY0T5:_&&
M@P-"$<67EZGG:0\@$A&#)+%`8W.AU*F(8JYU'&*C:<D;W7`7K4YUX8CWR2(4
M3*.77`*IKR#:)K<54>S\D!WD\%RP^,OYC':T4#3DV^>4$*V<BT3$4+/$`@UW
M2P0"9[U^MY1'@;!L`R7^0AM))A+UMU.]2:M=76+'F\`MT=%9;]=O]?6UNG]<
MS+$B6O$K0]IKGR;,%J8S?5@0)6J='48A1A%&,48)1BE&]!!\Z`23BQUJLR/'
M<]D\E-OR=&J-HGZB!]:P.JR7$LO3]+M^4]?XAIZRT]'IW`G@X.H&GP9P6(/Y
MG1O<04?Q#QLW@'.+&]P+X)W^!I\%\+Y[@Y.Y^!Z@=77G!_`"BELD?@`OE)CO
M(-&MGNX60;2X$9\L`GBMN)&'V-`C]I%!=@F^$%SSA_+WO'FH+JUQ*@_P0.Q^
MC6C8-P;V1\>->U]W\&F@]_`1O@65<#YK4[L?ZKH3?\"M+?EU:?TO````__\#
M`%!+`P04``8`"````"$`P3`I;S(6``#P<P``&0```'AL+W=O<FMS:&5E=',O
M<VAE970Q-"YX;6RLG5EO'$F.Q]\7V.\@Z+TM99V28'O0JKPO+!:S,\]JN6P+
M+:D,27U]^V5DD,E@_%-5*DWW0]O^!8,1R6`PR;SJXS_^?+@_^7W[]'RW>_QT
MFGPX/SW9/M[NOMP]?OMT^G__S'^Z.#UY?KEY_')SOWO<?CK]:_M\^H_/__U?
M'__8/?WZ_'V[?3DA#8_/GTZ_O[S\N#H[>[[]OGVX>?ZP^[%]I):ONZ>'FQ?Z
MY].WL^<?3]N;+T.GA_NSV?GYZNSAYN[QU&NX>GJ+CMW7KW>WVW1W^]O#]O'%
M*WG:WM^\T/R?O]_]>!9M#[=O4?=P\_3K;S]^NMT]_"`5O]S=W[W\-2@]/7FX
MO:J^/>Z>;GZYI^/^,UG<W(KNX1^@_N'N]FGWO/OZ\H'4G?F)XC%?GEV>D:;/
M'[_<T1$XLY\\;;]^.OTYN>K7%Z=GGS\.!OK7W?:/Y^#O)\_?=W\43W=?VKO'
M+5F;ULFMP"^[W:].M/KB$'4^@][YL`+_\W3R9?OUYK?[E__=_5%N[[Y]?Z'E
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MMN(MRURC3&(E-B+A]IU3F\8@BT$>@R(&90RJ&-0Q:&+0QJ"+01^`,S+M:%_R
MB;_#ODZ-LZ]8YEJ`&GP6&5,DI$L:@RP&>0R*&)0QJ&)0QZ")01N#+@9]`(PQ
M:9N`,1<4A*:CM_BFZT5QVOCFI376M9=949`;'7AE13:CR&A0(!F0'$@!I`12
M`:F!-$!:(!V0/B3&MK3WP;;NS'AD('!J/IVN]D<"%MIG[5%DM#:0#$@.I`!2
M`JF`U$`:("V0#D@?$F-M,JRQ]GX/=M*#4<48UTSH%#GZZV)]'GGL*"3=4B`9
MD!Q(`:0$4@&I@31`6B`=D#XDQH:4F1QA0R=M;<C$VC`^)8U"HPV!9$!R(`60
M$D@%I`;2`&F!=$#ZD!@;TA8T-G2G_]GR`]G\R'WO%%GS>K*F5"QPT?@D-0J-
MY@62`<F!%$!*(!60&D@#I`72`>E#8LQ+8="8=_\V=]+6AIY$-IQ'VWP4&FT(
M)`.2`RF`E$`J(#60!D@+I`/2A\38D/;G$39TTM:&GE"*+>;9,%F,)/5DH?E5
M!B0'4H">$F0J('5(S(&ZJL4<J<_%/[ARZ>7[W>VOUSO:291H3GC1G')NSL2=
M%FN!03'U]`6M2ZPW@@(;,%K0_,8-.UM'65"F4F+.'%&!J$14(:H-LM9Q&396
M*L=:Q^?IE)_(]*]=R4<&<[F.'O<R2A`W(A4:S'=<G@_USNP\B39FQGU(0`;+
M$16HN50I5TF1YBAL5BH@FFN#K.5<.AU:;L)_Z"+`Z$`^^S8F\NB0B5@J-)%'
M2[+4:-O%>F$#6.8J:%H!DI*CR1$5B$I$%:+:(&L9EPT?81E.GD/G\6A!1Q`<
MX-(>X,;5]\[%UN,!IH)45R;(;,#8$7.6FJE3%=)1U9>"5'TE:*_ZVJBWQG+)
M[!'&XMQ79W#MKB^0&6:A-\Q7<<8E4K/`6-R1S#A:>;:*-D7&'1<DK%+S:"/G
MHEZ#82%(1RP%4>*DNN(1*QG1A(YXQ%IT#2-:DU+'8TSJQ*/0[I'QOWD\SXW;
MN+'_,=+ER5AJZ<XEOW].5O/(P#D+&-<#S:4,IIHK1NOUH'FQFD61LC::K8E<
MZAIZW?M.BIP`ZYRN$X^6H;?,5]'$-B*EWI(*6HW^F0GRQY?,8A?(14#'+P2I
MYE*0:JX$7?HU22ZCW5*+P*#96LYEI?^YY7QN:\X&'LTH8QOW1K*`F,=2EZ.9
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M;!;=4*E%`"/8S&74X:9TEIM1^'U['3FHB/R-\_3PE+E81\>[X8Y+=8M4D+I%
MQHC];3:+ME,N74)_X^%5<2E2JKAB-/K;193%U-)GPM]<FAY;+5D>66+.?+)O
M_(V1O186+>=&.FH9E`H*RPM,?$7*)VX+NL5JMU@N`EJ9%8)TL%*0.='$N63%
M4LGY;-C/Z]DLBK&UZ!E&LY'0Y?&Q@>>7:N!_[GZ\=H4CJ%!G3DWDFAZY'3'N
MZ,4ZLL.&.Y('C.<00>I!&2.Z-^Y3AP_)I?GO(OL)HB,/KZY9B&(=JQ2D8U6,
MZ.0^Y-QVW6KI$*[(XD(O\UOCNE0\-.[^K,7=]H^-Z)&]W'@1[<P-=R0I->+8
M45"&4CFB`E&)J$)4(VH0M8@Z1+U!UJ13Q<>[+H_/L`!A%%D[BE8;E1+3IH@R
M1#FB`E&)J$)4(VH0M8@Z1+U!UMJN/#C"@7TU8>*L1Y%)H\VZ<>=!\GSCP(`R
ME,H1%8A*1!6B&E&#J$74(>H-LB9U54%HTB$/&.[O'(@.OIPPQO6(KJ:))VY<
M`D66=!?8-.I>1.>#=%I*ZT4[8Y>-QS-VUP\/S-<G\6:^G->'\QW1WOE.2NF%
M<#-?2@7M?/?/<Q"WIRY&D=/&695*B?531!FB'%&!J$14(:H1-8A:1!VBWB!K
MTJFTWT?=`\;%3'_N4>BTBO8YP;24IFQVQBXS#9WVP#Q](ALZZ]PC,\\1[9WG
MI)0F/G:>4PGNFRR+.>W<(S/C$>V=\934Y2M)S7PR8[QP#V<>B`A#SVBG^2S-
M3'E$>Z<\)15<BK-&=LG0$<[@<R?C#&,Z%4SJ,LX,YJ.41@1`&4KEB`I$):(*
M48VH0=0BZA#U!EF33N5A\S=Y`>9=<X^,%XPH,#B<Q[1C('6IV86=LLLH0B\8
MSKPK>AR5UNA`>/#)B/$(C\R<1Q3,!N<\)76I9V@[Y]>SA2.?!IEC^L#(GN8N
M-0L8[EYO5$J=VNL*TK4,I7)$!:(2486H1M0@:A%UB'J#K+5=F@$>\IYG;^8^
M83$.XU%D;<UAV-JCE%H;4,;J@P7($16(2D05HAI1@ZA%U"'J#3+6IF+>6GO_
M'AS$[=F#4632.$]3J=&DB#)$.:("48FH0E0C:A"UB#I$O4'6I'&>=L"DF)TM
M.#L+GLT1I)>J4D;ATSF(<D0%ZBI1JD)4(VI05XM2':+>(&L_E[K%`>#HRXWN
MMDET'8=1XH;6NNQ2DU>_^T>QL:!+&9EG@!:7FDT.'3.5$A_/$16HOE0IG=?R
M7%._07VE4J*^1M2@^E:E0O71]:M.I41];Y!=(Y>LAFMTP,=];AM&XH5';HAQ
M+9;G<3+'4N'=+4%Z!3P3Y&_21#IR;J7[*7)@A730FV:E(#JKCO.!2\H52\GM
MKMDR6J0:!VM$LP[6"M)CZ!3I^,MSS:(&'^B->KLB<45P8$5\ZFY6A+/Y,.HP
M"J..1R;J`,K=PR:T^P*I@A$]]2'+4*)4A:A&U*"N%J4Z1+U!UGZN1@@]^ETW
MU=S=Z#CJ>&2CSO)<<TV..B(VFB=E98>BCN](4F+77#L**A@9ZX\=0X^+'+I"
M736B!M6W*A6JAZ@S3D*FVFM'0G:-XGKG@(]CD;/PZ%#4X;I'=VS*'>E^O\PS
M$_1*U/$Z3-0!M:7H.!!UN",_[1(_&E:SEF"L1A3K(;2"]!`Z1>$:0=`)#\4N
MB"NCPDUS8$%\U66"CD?F!M5\!9N#I?2:94J/,KB=1I?-=4$\(O\9'@^U-XUR
MZ1#<BQ*D:DM!JK9BQ&K1^#P1U=N($M7;"E*]G:*]Q@_56^.[`O`(X_MZT1C?
M(Y.Z+\_CVI."N+-T4.>DB#)$.:("48FH0E0C:A"UB#I$O4'6I*[*.\*DOB@T
M)O6('A<5M]RX^$WV"T)ORH@F(E(9HAQ1@;I*E*H0U8@:U-6B5(>H-\C8CQ[I
MMO9[UTETT&*+3$;V)+J`U'T4&^V:,G)S'O,Z3-U52A8D1U2@^E*E5#VF[BHE
MZFM$#:IO52I4'Y]$54K4]P;9-3JN/'7WF**,AM&!DRA+A:F[H,#M!?E36Q3W
M<VX-3FR%=-`36RF(XM2XQ)BZLQ2G[O/U.JH3:ARL$<TZ6"M(CZ%3I.-CZF[4
MVQ6)"][]9]$E5K:,PJ@C2-/ME%$8=1#EB`K45:)4A:A&U*"N%J4Z1+U!UGYQ
M,?J^J(,U*CWR[2-W>,$`4_=1+(@Z7-T>B#JCE.S;G'51N!)4H/I2I4*/BU-W
ME1)=-:(&U;<J%:J'J`.S[[4CC6C7R!6$;S^SNF<WXZC#)>7^"P;<T40=WS%,
MW45J.G7G5A-U6(<&@E)T'(@ZW%%2]^B:48UC-:)8QVH%A4%G/*IPC>+4W:BW
M"^(*KR,6Q-=I8:I#3S*Z-3J0NHN4YL*I(,V%,T:<8T>>EDL'3;$+0:JV%*1J
MJTAM9)U:>JC>1I#J;06IWD[17N.S@0;UUOBNHCK"^+X`,\;W*$K=XQL9RU%*
M(D"**$.4(RH0E8@J1#6B!E&+J$/4&V1-ZNJD(TSJRRIC4H_,2911>!+UR)Q$
M`>5+0`6CH`PH4:I"5"-J4%>+4AVBWB!K/U?EA?9[WTG4UXK&K![9U'WB)"IB
MXXDO77IT*'4?I<3'<^THJ&!DK#]V##<QG$1'*=%5H_H&U;<J%:J/0ENG4J*^
M-\BND:LDPS4ZD"CZPM,LAD>'4G<O94ZBC/0,E"T9^5-;=-4@YU9S$@6UI>@@
M(^]+W7U'3MWI;:AHD6H<K!'-X5D4CJ$3J7#\B=3==_3'8E9D%1>\^U=D$+>5
M+:,HD,>W3U5*W"1%E"'*$16(2D05HAI1@ZA%U"'J#;(FC>M3%XCXH98C'[=8
M8>W**#)W?`M0I=3<7E=P%2Q#J1Q1@:A$5"&J$36(6D0=HMX@:^[CBL\5%I^,
M(I-&B>Y&I=2D7I<Q*:`<.Q:(2D05HAI1@ZA%U"'J#;(F=871V\/TRM=189AF
M%*8B@H)4A%&8BB#*$16HJT2I"E&-J$%=+4IUB'J#K/U<:1/:[UVIR,H72,:L
M7#-IOK]AJ2`O2!F9M&.VC$)$IE+BSSFB`E&)J$)4(VH0M8@Z1+U!UM)Q$?@^
M2V-MN/+(O;^NY_7XY=R-2(4^[3O2Y4O^Q$=4LV7<AP34[F,?005J+K4C:XZN
M_U4J(&IJ1`UJ;E6*-<=)G@J(YMX@NR;'U88KK`T9)3;+2Z*D:<-BX5M?@K34
MS1BYF[*OKV0N'75G%8*TDBX%J?KJ3>IKZ:CJ&T&JOA6DZKLWJ>^E(Q;J[LN'
M?T,H\M6@"44>)>Z!CM&N^/S+,#Y=8]'+@2FCQ#W*,/:$R]T9B\G[M^'K<<,#
M!SD+T!/VXI0%CE:*%.6YKP]6B91_TW(9/[Y:2[N.U>!8K4CM':L3*7[]E[XP
M;&_T]B(P#&:WEJOE_O,3BZ\(S6IZ1.]*!V;"-Z>IB[MB1@],B\E30>0.K]LW
M$ZD+_SKDQ&*R9O630OKH8"4C]^CBZX-5+$6?FW;A;&(Q8:P&QVK?-%8G4OP2
M_,1BAH/9Q71%V;[%?-M+LRM?V]%$9$VN&=F$-HF"^D:EI&.**$.4(RH0E8@J
M1#6B!E&+J$/4&V1,[2QA3+V_RAW$;97+*#)IM',W*C6:%%&&*$=4("H158AJ
M1`VB%E&'J#?(FG2JRGW7*[04X>-;)8S<Z.,^7\:?8=NHE%H;BUR4RA$5B$I$
M%:(:48.H1=0AZ@VRUCZNR%UCD<LHK,@$!=DKH[`B0Y0C*E!7B5(5HAI1@[I:
ME.H0]099^\45[;OJA#46NHRH3A`?W`@*S>H[FHIL,8\K,NX8W#K-$16(2D05
MHAI1@ZA%U"'J#;*6_EMJWS76OHP.5&0B%1K?ZWJ](N,^846&J$#-I4J]4I&I
M@'A'C:A!S:U*O5*1J8!H[@VR:^+JRS#3.'#Z\^5HF%&XE]LH\3MD?)8*C>^1
M>W9DC.2S^-,R&:LG*3F:'%&!J$14(:H1-8A:1!VBWB!KY;CN=3%FMGK#*ZUK
M+($9115P]'C1AJ7"^QR,W,,F:O#X8R^9J.</VZVC4)1S>WCS`\<J!5&*^_I8
ME4CQLPKS*`^M<:Q&N@3W/@3M':L3*3_6//XR6V_&LJOWMQ3*=(<'<AF/W(,,
MHY&6272W:<,=Z;Z\[(!4D-8_&2/ZN)+JPH\22D>M"`I!JKX4I.HK1NX32WOT
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MDJZIA<Z@V$*_#_;SY*K1`DS:GY9Y4GY.0T_I7US]3*Z'`U\OR/)3G&8Z-=%K
MLM3D<I"=ILR4KF=7KF#"D:E`NG+E#[90N4/*IEK2-1T?)=_8)UTO:)RI(Z$T
ME<:9:J$TD[1-M:2K^96[\8;CT(VV*W<;#5OHMAF99JJ%[DA1R_0X2QIGRLYT
MNX/&F6JAVQ6D;:HE7:ZOW)-+.#=Z4NG*/8>$+?3<$2WT5`L]OD/:IGRFI!;W
M$,V4-MI[DRWT\#)IFUI3>A29M$VUT(/%I&VJ)5W2^M##JC@#>K26M$VUT%.Q
MI&VJA5[GN'(O:TQHHQ;WZ@6VT*L6M'&F6NB-!9K;5&"@EPUH;E,M])X`S6VJ
M)5V07].M`IP!O7U)<YMJH7<I:6Y3+?1*(FF;\IV26MR+@3@.O0A(VJ9:Z`UV
MTC85GNA]=-(VU4)OEY.VJ19Z29NT3:TVO5]-VJ9:Z-5HTC;5DM*23JU.20LZ
MQ=.$UH9^I0&//TWH*.E7"+"%?L^`^DRUI`G-V'_5Y&P\;]#O+?ZX^;;M;IZ^
MW3T^G]QOO]+I_7SX<,J3_\5&_X\7_ECD+[L7^J7%X;N1W^F7-;?T^Q;G[A=L
MONYV+_(/FM39^%N=G_]?`````/__`P!02P,$%``&``@````A`,F!/!/A3@``
M@+$!`!D```!X;"]W;W)K<VAE971S+W-H965T,3,N>&ULK)U9D]M&LK;OOXCO
M/RAT;ZNY].88SXD6%P`D0.SHY4XC:\:*L2R'I%G.OS]9K,K*JGQAD-WVC24_
M>NM-`)DH%!(@^9?_^>^G7U[]^\.7KQ\___KCZ]GW%Z]???CU_>>?/O[ZCQ]?
M]]WVNYO7K[Y^>_?K3^]^^?SKAQ]?_^^'KZ__YZ_____]Y3^?O_SSZ\\?/GQ[
M10Z_?OWQ]<_?OOWVPYLW7]___.'3NZ_??_[MPZ_T+W___.73NV_TOU_^\>;K
M;U\^O/OI..C3+V_F%Q=7;SZ]^_CK:^OPPY=S/#[__>\?WW]8?W[_KT\??OUF
M3;Y\^.7=-]K^KS]__.TKNWUZ?X[=IW=?_OFOW[Y[__G3;V3QMX^_?/SVOT?3
MUZ\^O?\A^\>OG[^\^]LOM-__G2W?O6?OX_^`_:>/[[]\_OKY[]^^)[LW=D-Q
MGV_?W+XAI[_^Y:>/M`?FL+_Z\N'O/[Z^F_UPMYY=7[]^\]>_'`_1\/'#?[X&
M?W_U]>?/_TF^?/PI__CK!SK>E"F3@[]]_OQ/(\U^,H@&OX'1VV,.JB^O?OKP
M]W?_^N5;\_D_Z8>/__CY&R7\DO;)[-H//_WO^L/7]W1,R>;[^:5Q>O_Y%]H`
M^N^K3Q]-<=`Q>???'U_/*?#'G[[]_./KQ=7WE]<7BQG)7_WMP]=OVX_&\O6K
M]__Z^NWSIWLKFCDK:[)P)O2G,[G]?CF_O+XYFDP,7+J!].?+H]-V'G>!_G0F
M\YGLPD3T*S?P6@8&^SXQD$Z?8T3ZTT4DBPG]K=/3G[R%YP6:43T<(YF_G!5J
MQ@DU?WEF,*H!&TR*X?+[Z]G%[>*:CNW$_LVX`,Q?..AY.9AQ"9BBY:%G'AS.
MWXS^XH:>N;V4+KNGDOK9S5DU,^/<F[\\+RA7P>S993#G,C!_>5;0.9>#^0L?
MWO,R,^=RF`=)/2\S<TZJ^<OSMI=/9C/[/'-[N1SFDM3YF=O+29T_-ZES3JKY
MB]O>Y7ESWX*3:O["NSJYO6_LW'V\%*S??7OWU[]\^?R?5W2%I=Q^_>V=N5[/
M?C!N?!&PIZR_+/S>58$N!\;ESMC\^)H.`4WX7^EB]N^_+JYN_O+FWW3Y>>\T
M;U$SBQ4K5IAKC;%=:[#18*M!HD&J0:;!3H.]!KD&A08'#4H-*@UJ#1H-6@TZ
M#7H-!@WN-7C0X%&#)PWN?'HY,7<^F9Y`\FCUXHJ"-&^HW'S-T>SP9]2<L3$U
MQYOPEH$4X5P5&"MXR%J#C09;#1(-4@TR#78:[#7(-2@T.&A0:E!I4&O0:-!J
MT&G0:S!H<*_!@P:/&CQI<'<'Q">34W6W`DV8O:C`Z*H#!68FM_&5+<]A9A2M
M8:,Y[#8NH+=6<T67"3_17<62E9?PEJ^!;(!L@21`4B`9D!V0/9`<2`'D`*0$
M4@&I@31`6B`=D![(`.0>R`.01R!/0.[N$$F:.8=WF-:[**]1_='2!>K/+%*?
M>5$U-C^^OIJ^JCK15$5Z">_-&L@&R!9(`B0%D@'9`=D#R8$40`Y`2B`5D!I(
M`Z0%T@'I@0Q`[H$\`'D$\@3D[@[16T0K1%%>HXJDXHLJ<GHF-.ICX7'!O'6$
M5JI^WEM<7ZB9SXMXV!K(!L@62`(D!9(!V0'9`\F!%$`.0$H@%9`:2`.D!=(!
MZ8$,0.Z!/`!Y!/($Y.X.D22:<WBW0E64UZC.Z$;J&75FU'&=67)-U^J@SO1M
M@A?Q-JZ!;(!L@21`4B`9D!V0/9`<2`'D`*0$4@&I@31`6B`=D![(`.0>R`.0
M1R!/0.[N$+U%M$(4Y36J,[K</:/.C#JN,TNHY\0EM')DZ<G:DJ7<8&R`;($D
MX).")@.R`[('GQPT!9`#D!)\*M#40!H@+?ATH.F!#"&)$DB+FF<DT*CC!%IR
M/??I6CDB*5U;<DFWH<%DHFX)-U[$E;`%DH!UZC6A]2*^'F9>Q-8[('NPSKTF
MM+Z,K0LO8NL#D!*L*Z\)K=7]2^U%;-T`:<&Z\YK0^CK>ZMZ+V'H(250?M-*(
MZL/VI;XWW>1O/W]\_\^WGRFGE-F1A<R"^D^V*V5,XK*Q)"P;1X*RL61YZTMK
M`V0+)`&?U&O"0[*,#TGF17Q(=D#V8)V#I@!R`%*"3P6:&D@#I`6?#C0]D"$D
M4:K-`XHHUR,YI9XN)_4HC[/JT)(Z!'*F7^EE@U/-CH_47'_1A/[Q]64X<'ZE
MIP@W\-(4UK__.K^\5:?,U@FHQ<Y93#!8RC:3P3*G6EX?@WUWJ1;9.XRUQUCY
M6;&*.-:-"G7`4"6&JLX*5<>AYC/5'&XP5HNQNK-B]:QR^;I9JI-NB(+%M6AZ
MEF$__$0MVA8GW:)SXM^:AV=44G/Z(ZA%55(K5LGU:\WHRGMM&"V/M7!]C87G
M@MG'LZ9EGO`8<4X9B7/&R#I_1\^9U5R]8X58[QF)=<Y(K`N'EM9Z>:-.PP,/
M$>.2D1A7C,2X9L3;?#535\6&%6+=,A+KCI%8]XQXFV^4\\""HW-<,:8M^8R*
M,7(U>UFD9B^UF%C-K"J:O1R2ZMLXE9NJ9O,KU<#<.D$T58%SRL'$.7.(YZ79
M0CGOT'G/-C+CYHS$N8B=9W-UKAS0N&07,:X8B7$=&\.,8W<[.!(M>XAMQTAL
M>X?D&*MY<W`"ZQP7B^DU/J-87&M2@K\UC\EQ>E$3W(I54O5K1E+U&X?<F3K3
MEYHM#Y'3*6$DQBDC,<YBX^]FEVK[=CQ&G/>,Q#EG),Y%[*P[4`<>(;XE(_&M
M&(EO/>W;\`CQ;1F);\=(?/O8=[90*X>!AQR-XU(Q[;VP5%ZT`C;O2.CIQB+S
MO%HN4-?J[%BY@?1LFJ]L:X?H00JC#:.9O4!=J3-AR_\N!RE!XY158IPQ"J^B
M<YQR[*XLQ'Z/]CE[B7W!:-+^P"JQ+]&^8I78UXSL89G/U%39\+^+<8O&':O$
MN&=DC6^OE?'`_WXTCLO)=/'^>#FY7F`X(5DTNPA[=K.ENH"NS.,/*L2%G!MK
M1M0C\(4XLOAV`V^.)49OA5VK!<66?:14$T82+64T&2UCE8WVW7PV5R6]8X5$
MVS.2:#FCR6B%4UU?V=/G4EWS#^PBL4I&$JMB-!FK9I7;LQDE++X5;5@AT5I&
M$JUC-!FM9Y7+VL7L0ET"!E8<H\6E:AJ!4Z7:??[M]^[]P_M$VT^,UN86T:3+
M,]C*O`!&=4DG#J.U0V'C#]$648)>*:HR1#M$>_3*454@.B`JT:M"58VH0=2B
M5X>J'M$0H3C?5$H^W^;5L1/W7$:N5M`6A6T=6B<;U;6DFEZF/2+5#U13Z$94
M7!!;1`G:IZ*2Z6QQK4[I3%1LOT.T1_M<5*&]FF8+4;']`5&)]I6H0GNU7*E%
MQ?8-HA;M.U&%]FJEWXN*[8<(Q65C>H<\39BR>=D"R78@HUG"HJB:'`JKR:*P
M36C>ZZ2:"]`64>)04)FIJ,*CHV;,3%1\=':(]FB?HZI`=$!4HE>%JAI1@ZA%
MKPY5/:(A0G$%F)9B6`$G)@[;@8Q2[9J25#U^";+`QJ%542GR@5^;%W'-98,R
M[@>.K%VLBE[B/S8.%U?J=-TZF^`>-&%G"98RF@R6L8IB^DU:Z)[>3B**:JY5
M>_:2C<@936Y$P:I;NUI;J-N*@X3G0UGR$(E5,9J,5;/*QEKJ6`W&:GF(Q.H8
M3<;JG8HS"2W@(0H652DE]SE5>I3'ES>'3K04624W%6M&LGS;,+(E>;O4J\`M
M"^16-V$DSBDC<<X<6M)Z/:@_M5C?\<!0A?7'*HF8,Y*(A40\GE[ZGN/`0V17
M2D9B7#$2XUJ,PUU15ZN&!T[N2LLJB=@QDH@](YL6[/0.+,!&@2F+9\R"1[FJ
M+]M%/M&`=`/#69"1W`YN''(GRFRN6S1;)Z#]X1D@81LY*U-&XIPQBN<WM;[:
MB;VD;J2^[!X'^Y*SO40L&-D)1C>Q#A**]Z3D$;(G%2/QK1E97[@J-&C<\A`Q
M[AB)<>^0/_BZ^SM$SO$L9;JAYU]+S7I++<(=,B'D_+]2BY@5J^1T6#.2TV'C
M$,TEYLR>72N7+0^1,SMA),8I(S'.Q#C8R!MEO^.!DV?VGE42,6<D$0N):'9E
MJ1ZS''B$[$G)2'PK1N);Q[ZSN;J/:7B(&+>,Q+AC),:],M9=X8&'C,Q$87?;
MR%ZT(I]CT]NA$RU+5DG_8NU0V+)D9!_US)8SE?PM"^0H)>B<LDJFL8P1;;\_
M`;!GR2JQWZ-]SBJQ+QA-VA]8)?8EVE>L$ON:46B_T,_!&E:%"V:87EN,V/%`
MB=@SLH]IKW7S>.!_/^Y*/%F%O?&7%QKVQLV'SLRR_D0ST\G"9J9#R[`+BC<$
MK++]V]GR:JZN7UNVEB).&,DYFK+/9+3,J:[#I>WB1MW3[]@^O*Y"2O>LDHW(
MS]J(0C;B./_IN?;`QK+#)2.)59T5JY98<@8N;M24V[#]Y`ZWK)*-Z,[:B)Y5
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M@>B`J$2O"E4UH@91BUX=JGI$0X3B"J!K>E0!)R8.(U<7!(O43;]JUZS,DMM<
M-N2^<\V(_D66N?#.I%.Y6U%:2"KGK1-$?0`(EIX5+&-5>$5?W*A3;"<1@PV'
MUB=[R1[GC";WN&"5O:N_6:@=/DAXKN&2ATBLBM%DK)I5T0[?Z@>Z$G%BAUOV
MDHWH&$UN1.]4W!.%/L8@\6F/X_*E#7].^1JY*E^+5+=!M>A6YJL5:"!=6?F8
MKQG)NF[#R#;?J&<U4TO&+2OD9CIA)-8I(['.'(J;HK>J-'8\\$2_`78FYX$2
ML9"(9KV]P#)T+K(K);O(KE2,Q+@68ZFFQ:TZX@T/G-R5EE42L6,D$7M&O]>K
M'EB`K0CS:>]G%-A1'A>80VI^5+=K*Z<*YT=&TI?;.,1]N1G4EQ.$DR';R&F9
M,A+GC!$EU4_&BUNUE3NQ%Q7>XK&71,P92<2"D6N*JE`'"<5G7,DCQ+=B)+XU
M(^L[@\X#&K<\1(P[1F+<.\0''SK20^0<35.+Y[76CW)51;;1K*8IM;Q9N8'A
M-,5(3H>-0ZXI.K]0*]0M#Y$S.V$DYUG*2(PS,9;R6-RJC=SQP,DS>\\JB9@S
MDHB%1#SV=R_5I?K`0V172D9B7#$2XUH9Z]F)1XAORTA\.T;BVRM?W9`>>,C(
M3&0ZY7]XK4ZO..HKH$/F(BNG/KS'R2IIKZP=HK+G4W3#R#5%;_3^;5D@1RE!
MYY15XIPQ"MN*V!1EE=COT3YGE=@7C";M#ZP2^Q+M*U:)?<THM%_<JCO/AE73
M35&,V/%`B=@S^KWV],""X[[$LQ5MI:\T,ZF]Z*YP85S4)&;1J:ZH&QEV11TZ
MT15EE>N8W5[#>Q)L+56<,)*3-&6?Z:ZH4\5=4?W)FAW;AQ?6D4NF/3+!+N=G
M;43!*K?+"WW"'20^GZ0E(]GCBFTF][AV*K7':HW;L/WD'K>LDHWHSMJ(GE6_
MV_H>V!K;HHNPW\^5/;_\GBY%\)4JQT^'GM<F/=JJ4K</`.(O(+A5C;*5&T@J
M3LX:T0;1%E&"*$64(=HAVB/*$16(#HA*1!6B&E&#J$74(>H1#8CN$3T@>D3T
MA(B^^L>GFQ-Y]W:$C22<OOTG'!M/Q%27T40\W9Q9&+DJ0XM4&:I5TLH-C,K0
M#^0=VJ!JBRA!E"+*$.T0[1'EB`I$!T0EH@I1C:A!U"+J$/6(!D3WB!X0/2)Z
M0D1E"%FC,D0VDG`JPU`7EV'X<,',FB?*$!\NT'7-5&;XT(A1\+Z\0^%#(T1;
M1`EZI:C*$.T0[=$K1U6!Z("H1*\*536B!E&+7AVJ>D1#A.*\AMU_OAK.Z.MK
MJ1+._VZ$!7;_':)/9O#DL6(4IML.I.Y_<-]QH?H`&S<P>$:P190@2A%EB':(
M]HAR1`6B`Z(2486H1M0@:A%UB'I$0X3B"J![ON=<8(Q<76`L,A_"\3>/],4&
M\2>"5@NG"K-OT35=_&2@_O#XQ@TD%5?2%E&"*$64(=HAVB/*$16(#HA*1!6B
M&E&#J$74(>H1#1&*LT]GWG.R;^0J^Q;10^,@B9A]IPJ>(R\LBIXCPRO$&U%)
M]OU`1HE3!0\64QDHV[6\4-WR3%3LM4.T1_M<5*&]ZA$5HF+[`Z(2[2M1A?:J
MC5:+BNT;1"W:=Z(2^X5^Y[D7%=L/$8HJR=R71Y7THH[!T24N,(?"MQ(8!=7D
M4'"-V"#:(DK0*T55AFB':(]>N:CD2"_U%:X0%1_I`Z(2[2M4U8@:1"UZ=:CJ
M$0T1BBL@['"?7B,N;3L[_`B-0^;C??Z"L+Q0+;(5JZ15OV8DK?H-(YHLO!=<
ME;9.%3XLX8%BGS(2^XS1I/T.[?<\4.QS1F)?,)JT/Z!]R0/%OF(D]C6C2?L&
M[5L>*/8=(['O&4W:#Y%]7$EAG_N,2L*&MGG41A>JZ%G)4C_E6+%*>KEK1M2,
MD[*!-Q*<BK[M(E#IKQ38LI>L@1-&$C%E-!DQ8Y7MY2XN]%FQ8X$$VS.28#FC
MR6"%4TWOWH&])&+)2")6C"8CUA+1/,31GYIKV$1"M8PD5,=H,E3/*CZ25^K9
MU\""8["X+LGY3[C&&1=UC;,H>OZRO%!=U=72J:1SO7:(SA&^<&P<NN9W1NGS
M\FI9LN51<NP2]$Y9)=Y9[+V\N+F"5X!YE'COT3MGE7@7L?=\<7FEW[HY\"CQ
M+M&[8I5XU['W[/)&7X$;'B36+5IWK!+K/K:^OKF`SO[`HX[><4&9OA\_T'OQ
M[;<Y3W5!660:.GX:HW2I>S(WD-H#7#UK1G1C[@?BN^>LXB_2&*LQMP52K`F/
MDG`IH\EP&:MLN.5L=@6OO;!$PNT92;B<T62X@E4VW'@EPMZ5/$K"58PFP]6L
M<@?S\D9_T*EAA>Q<RTBB=8PFH_6LLM&N;Q:+)4R`X<[%]6H:A%/U>M[#$O,*
MDRY8BV87LJ9?.1E]WT=0GTY'KS-RS6Y8%[#M"$N8!7XILV!L-L)V(VS/+/#+
MF05^Q0@[C+"26>!7,0O\ZA'6C+"66>#7,0O\^A$VC+![9H'?`[/`[W&$/<4L
M+BK=6W[9G2.VG)>NY2RKAA6C8!?6CIUH0HJ*ZVZ+*$&4(LH0[1#M$>6("D0'
M1"6B"E&-J$'4(NH0]8@&1/>('A`](GJ*4%Q.-/]%<]3THPKZ$D*8BRPZT=!T
M`^/9R8X\T=%T(\..)J($48HH0[1#M$>4(RH0'1"5B"I$-:(&48NH0]0C&A#=
M(WI`](CH*4)Q*9D&=7BY.U%*MI\==31<BWNZ.TJ/NTP-SFC]SY/+VK$3[5%1
M\<`MHF3$/Q69+/2P/RHJ]M\AVH_XYR(+_=6=2"$J]C\@*D?\*Y&%_KI#*BKV
M;Q"U(_Z=R$)_]52C%Q7[#XCN1_P?1";^T()]%!7[/T4H+E?JM_AR-9_X>=F%
MU+BHVU.+HA:L17')6A;U8`%MS766_`-5XE!HEJ(L0[1#M!\QRT4F!WND"PM;
M=I"!?/S+$?\*936B!E$[8M:AK$<T(+H?,7M`V2.BIPA%-749MO5-34U/@4=Y
M7#P.S2YHY>YO*9<S]0&3E9?)'<W:LV"Q[QG-F=X.&[M>)O=,B6<2(O5,0F2>
M38;8>9F$V'LF(7+/)$3AV62(@Y=)B-(S"5%Y)B%JSR9#-%XF(5K/)$3GF83H
M/9L,,7B9A+CW3$(\>"8A'CV;#/'D9<<0<06'CR7.J&!\+&&NP>;R;+[JW9<<
M=2%4-\7+[*]2'W]TU+-H`0#]9"^C#I^/`*\V;[U,;H@3SR1JZMEDU,S+[+<F
MT,]DQWNT\P*)M_=,XN6>3<8KO&QR+P]>)E%+SR1JY=EDU-K+[%ZJK#7^GR5:
MZYE$ZSR;C-9[V>0^#EXF4>\]DZ@/GDU&??0RSJ1ZA>;)"X[QXO.#K/_XJL'\
M[(5:-3@TB^ZCEKK(5EXF,\':,YD)-IZYMAS\%,/6*V2>23P3]]0S<<\\L^[4
M?%>'<.<5XK[W3-QSS\2]\,SU^.;Z"TH.7B'NI6?B7GDF[C4S>HIY_`C,0CTQ
M;5A`7RS'RYC6,S'O/!/SGIDSQ^^)9D%@?N^9F#]X)N:/GMGC<CO7?=TGKSAN
M>ERXYG$(WYV]>+E+7[T/A6O1+'YZ.%,%L7(CZ4<&_%%=>Q:=_CC?<P3[$&H^
M4LNLD.95XLTE8.K99,#,RVS`Y8W^3-S.*R3@WC,)F'LV&;#P,AN0?CU"+?@.
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MI=JB:/D&-]JK2Z<*3W:+3G3!W<"P"XXH090BRA#M$.T1Y8@*1`=$):(*48VH
M0=0BZA#UB(8(Q=D/'X*<<=.+#T$NW:.,Z,8#WNMEE3RU73MD[CC\N8_O]8I*
MSGT;D08R2M`^E8&AO;JKRT3%7CM$>[3/117:JQOC0E1L?T!4HGTEJM!>=ZU%
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M])*T>@PPL/<Q7%ROIE<9+O'T!'A>>_#*MCS#I9]#T7N]G@4]`V;!>Z2;$;8=
M80FSX*7.E%G@EXVPW0C;,PO\<F:!7S'"#B.L9!;X5<P"OWJ$-2.L91;X=<P"
MOWZ$#2/LGEG@]\`L\'L<84\QBXOJ5,_YK![D%;:<':+&%$]!*T;!+JP=.]&$
M%!6;;1$EB%)$&:(=HCVB'%&!Z("H1%0AJA$UB%I$':(>T8#H'M$#HD=$3Q&*
MRREL:;_XLS)7V-)VZ$2?DU51A5DS\_*)7%3A"PS<2%))A?F!C!)4I8@R1#M$
M>T0YH@+1`5&)J$)4(VH0M8@Z1#VB`=$]H@=$CXB>(A17&-U@^*N@J;#IEOF5
MD:O;4XM.?!F"&QB^[KAV+.J98]=45%PW6T0)^]/7/K`L%9F4*K[N*RH>N$.T
M'_'/11;ZZ[ZIJ-C_@*@<\:]$%OKKQJFHV+]!U([X=R(+_?7KOJ)B_P'1_8C_
M@\C$'SJSCZ)B_Z<(Q>4:]OA?/B%BZ__*M_YY*U8.Q25K96%KULD"M$64C)BE
M*,L0[1#M1\QRD<G!QN:LJ'@W#XC*$?\*936B!E$[8M:AK$<T(+H?,7M`V2.B
MIPC%-15V^\^8`K&M3XM_^]I#V"3$UWU9=B$W.FO/I`NY\8QLY1JK;\6W7B:W
M4HEG$B+U3$)DGDV&V'F9A-A[)B%RSR1$X=EDB(.728C2,PE1>28A:L\F0S1>
M)B%:SR1$YYF$Z#V;##%XF82X]TQ"/'@F(1X]FPSQY&7'$'$%4]T]YR)NY.HB
M;M&IUWVO6";/*]?,S)DCU8IM%C?4?-.SR'3O8\MNP9L5B6<2-64V'37SLKGM
M[M`'C>-V[(X50<"]9Q(P9S8=L/"RR=T\L"R(6GHF42MFTU%K+YN,VK`LB-IZ
M)E$[9M-1>R^;C#JP+(AZ[YE$?6`V'?71RWXOI4^LL`&C,\5\(VATINBFSUGW
MYT>7^`1RZ-2+OUXF<\+:,YD3-LSH.WU-5Y(>]JFZW;(B>`4U\4S<4\_$/6/F
MW*_F^I,I.U8$[GO/Q#WW3-P+9LZ=7H-42\H#*P+WTC-QKSP3]YH9?7WLL5^K
M?U^S84%@WGHFYIUG8MXS<^;XFXHL",SO/1/S!\_$_)$9'Y>+6_U"ZA-+K'U<
MN722_0F5:UQ4Y5ITZLU?^FX5N\:1IPIK9E%K'K\YP\OL:Z-CQ<SFTMY*>%3P
MJG'*;#I@YF4V(/X<](X5P8NJ>\]D#W-FTP$++W,OXHZ4/.YAR:."/:R830>L
MO<S]Y@Z>!1BOY4%!O([9=+S>RVR\D1,#X]WSH"#>`[/I>(]>Q@?T\EJ][O3$
M$IO"^%PQ3S2XM6\N)V:6_^/?=VY:'/KDL<B<MWY1`S^)NW(#2<5W76M$&T1;
M1`FB%%&&:(=HCRA'5"`Z("H158AJ1`VB%E&'J$<T(+I'](#H$=$3HKN[$?9V
MA(TD_"[.>%RNX9.H$^4ZW9ZCM\B@0BU2%:H>DZW<P*A"_4`NV@VJMH@21"FB
M#-$.T1Y1CJA`=$!4(JH0U8@:1"VB#E&/:$!TC^@!T2.B)T14H9"UN[<C;"3A
M5*'AV+A"P\=:?ZQ"\=&6Z?_2M*HJ5*UW5Z+B<EPCVB#:(DH0I8@R1#M$>T0Y
MH@+1`5&)J$)4(VH0M8@Z1#VB`=$]H@=$CXB>$%&%^G1S(JE"D8TDG"HTU,45
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M8CMMKYLZ]GQVOKUV[>_P>'HTN9UCJN`-Q6@[;W1[<WH[C_+X>#H4'D]!4]LY
MJIK+Y\?C[33=@O./YXUM+H3'TZ%H.[D%$=V+Z_J4@<'>S.6A>KR=8XT$\RFO
M$\<5&P4W%D7;ZU&P)3/8WC'57.[?XNTU*_CPN)K&Q\WM]]0C.;7)=NT?'6*+
MHDWV:'*3QU1S6=#'FVR6=.$FGSBT=@48;:=%T79Z-+F=8ZJYK/CB[31K@V=L
MIUU*1-OI5Q?!1LWUE?W&JWCN6"/:(-HB2A"EB#)$.T1[1#FB`M$!48FH0E0C
M:A"UB#I$/:(!T3VB!T2/B)X0W=V-L+<C;#7"XHS'9?B\!>8-+C`=BA>8<S7M
MK$0E90C+D@VJMH@21"FB#-$.T1Y1CJA`=$!4(JH0U8@:1"VB#E&/:$!TC^@!
MT2.B)T14AI"UN[<C;"3A=^M(%Y?A\Q:8-[C`="C\#@U&P2OR#H7?H8%HBRA!
MKQ15&:(=HCUZY:@J$!T0E>A5H:I&U"!JT:M#58]HB%"<5[,J#J]R+WH^?F/7
MUM'%SRVWY0'?RJF"UP+6C.B3-N;A[I(^@:0FIDT@X9EI.\*2$9:.L&R$[4;8
M?H3E(ZP888<15HZP:H35(ZP98>T(ZT98/\*&F,4%86X__GA!V)N8J"#<?0TM
M=_R3,_A,\^K&J<(IP:+H!?3E0GW3TL8-#%]`1Y0@2A%EB':(]@X%Y9R+2O9Q
MN9![S/?F^Q(+47%!'Q"5:%^)*K17[Q_7HF+[!E&+J$/4(QHB%)7.K;X9?=%<
M<G2)[U$=.O'A!58%I>.0*AVY1SWF8R,J/F!;1`G:IZ(*\R&WED?[3%1LOT.T
M1_M<5*&]VOI"5&Q_0%2B?26J"?M:5&S?(&K1OA-5:"_WL<>#TXN*[8<(Q07V
MO"["+781'#I52:ZQ$%:21=$7OLSA4S#./OAVERVB!%&**$.T0[1'E",J$!T0
ME8@J1#6B!E&+J$/4(QHB%&??-$;"*]-TX^#6]E'"2Y!#T1<K+/2+JRM62>=N
MS8CZ''+MT@,WK+(OJN'/EVU9(&NBA)$$2QE-!LN<BG[IQBR<\&MMV45B[1E)
MK)S19*Q"8@6[KQ=J!_:2B"4CB5@QFHQ8L^KW#F7#`@G6,I)@':/)8#VK7+#9
M3+5H!A8<@\4U2<Y13;[LDF=<U"7/HNA+%1;Z-Y-6MTXE+Z&O':)G]CRA;AC9
M3TWKWYW;\C_+<4O0-V65^&:,W&>_U7O6_*]BNT?;G%5B6S"B&5=.-JPVN^L+
ML2_1OF(OL:\9C1^-AO]9?%OT[5@EOCVC<=^!__GH&]>0Z4J&\]K+:LCV-J/I
MSJ+HS;OE0MJRQROPZM:IY&76-2.ZB9<,X'3G!MJOM5U<Z-\8W+*-5&?"2(*E
MC":#94Y%3\7L=*=603MVD5A[1A(K9S09JY!8P>YC`;K=EX@EVTO$BM%DQ)I5
MOW<H&Q9(L):1!.L830;K6>6"S:[5'??`@F.PN%1-KWJJ5,_["H5;V_*.:M6B
ML#OD5,']U=JAL#N$:(LH0:\451FB':(]>N6H*A`=$)7H5:&J1M0@:M&K0U6/
M:(A0G&_=?'[9U(0]Z5N+PF\W8!0NNIW*=X?FU^KF:L.C@J]JV8ZP9(2E(RP;
M8;L1MA]A^0@K1MAAA)4CK!IA]0AK1E@[PKH1UH^P(69Q0=#4,CD!G/5QFEOC
MHM8[%IVZ,7.JL$8L4K?XNCOD(H;=(40)HA11AFB':.]0,'OEHI+K"G:'1,4+
MN`.B$NTK487VNCLD*K9O$+6(.D0]HB%"<>G\*9WF6^PT.W2J=%P_.BP=BU3I
MJ)7%QME'I>,'\C%,>"/$/I6!83[4!):)BKUVB/9HGXLJM%=;7XB*[0^(2K2O
M1#5A7XN*[1M$+=IWH@KMH3L$!WJ0@10Q+C#3)PX7)R?Z`[:M'"U"7/-YND5]
MZU22ZK5#I[I#=F#4'0*4B!<?TA11AFB':(\H1U0@.B`J$56(:D0-HA91AZA'
M-$0HRO[L0G>?I]-O]?%%B-F)!I&7R3WBVC-:LDS<,WF9^P)'_/DCKY#.1N*9
M!$P]FPR8>1E_;@P^#^T5$G#OF03,/9L,6+",OG_3W*E=7JH)[\""X)-XI6<2
MK_)L,E[M9>Z(PI>+-EXA.]AZ)@$[SR8#]E[F`M[HC^(-7H']HMF%Z2.'D]2+
M5M361A>O;5&?:!GQT+G<2E+QVJ%AT\@SZK-(0>N[X*V7R8&D<G5;(B&H7"$$
MU:9CDR%V7B8AJ$`A!!4HA*!J]"%,->J?MZ%B=/\NWE2,X$W%"-Y4>9/>5'?@
M374'WE1WX$U%-NE-)19ZJXE0]\E?6&+8/Y]=6':BH^1ETIJ@$K-#3WPWIY?9
M+MIR;'YTVR#%107GF`2D@CLG(-6@D[DF)GY?!"N".TPJ/PA(Y7=.0*I(*[NV
M[9?+*WG]\-B/HY)TWK*#5)(0CTKRG'A4I4[FCBA\93#5*02D.H6`5*?G!*32
M50&OU)J4BC<,J(K7M'6GYL?S.DSFJSCU+2:S^$6XA3K^JT#&"S"J7FM'0YEM
M1AC-AJ"CX@1&Q0F,*A$837W`J/:`4>T!HT(#1K4%C&H+&-46,"HD8%0ZP*AT
M@%'I`*,Z`4:5`>Q^A#V,L,<1]C3"[N[&X-LQ.%8*=ZH65/6:GG!8O:?6H+:'
M'-Z#F)]:-Y4;=D(]"VXYF(6]T!%&)6G]`AV5I(LA?E22H*.2!$8E"8Q*$ORH
M)$%')0F,2C)DZG">:C>?U6TZ_BBO:C<Q"QN0GLE1H63;OG3T_:K+A7I`2'.!
ME_'\0`<>&!UX8'3@@=&!!T8''A@=>&!TX('1@0=&!SYDZL#3$CBJXQ<N(8R-
M7J5:=J);,Z.O3#N>!5$N+*-.C%G+S2_T:H[2X!5!&H!1&L"=TN!USEUUSB@I
M7L'NE!1@E!1PIZ1XG7/7+X4%"G:G%/E1Q%2*3-_S.5.-[9/&4XUKIU(AR!)?
M?^T<S8).%N7"LA,=#QX:MCQ&&"7$V_'.4T*`40J`40J`40J`40J`T7D!C`YZ
MR-1!-_VHYQQTV[^*#[IE2UH#^8.^U/=5=-"M+/RA&,_D8V94\DY'C21O!Z]5
MTF1D9>%OQ3`+0M!!=W82@@[Z.2$H#Q""\N"&RK<B41X@!.7AG!"4FC"$2HWI
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MY-`DGHDW)0B\*4&6F5;+T3SVIO2`-Z7',?&F](`WI4>\Y3A`LX.2%,9023(W
MT7]"DNR]>)PDQ^B4]$E:+M4SU=6,/H!Y7-[)5SI2DARC/_Q0_((X+^-O.[Q0
MY4F9<T:RZ*#,04#*G&/1&D9/O)1,*S.M!ULIUVIW*)\0D?()$2F?YT2D%,<1
ME[<W:D%)V0TCJNR:&^&I[)[9!Z';2%B".Q9=YI9+N,RQ++S,,8O.01LB_L&M
MD;G2RH*V/R74,0E!"75,0E#VS@E!&800E$$(01F$$)2N<T)0RL(0*F7F1C9,
MV8F;?WHU`%/C;H:I,/SIL]!O;-*99V7!58#./,O,;\G[H6-GGHM`BUR1Z>4G
MG7Y6%EQ[*%L0E;+E&"W,Q&[D]',RNOZ+3$>E!$)42B!$I02>$Y5RZJ.:<WZF
M.GV4S#"<2J:Y.7Y.,NW-=#R-6A:=9V/+$2>3DX"2Z9B<!'2MLXS7CNI\I92Y
M,7+MH92!-Z4,O.D$<][TQV1^W%`)0?EQ3#:?\N.8;#XEPS)>B^JG9I2-T%QE
MP]P'A]EXX8+$WD['2;+LU%.SF9-)4YZ29%GTU(S9Z)J!<N2&R,&B'($UY0BL
M*4>.T0PTF2,(03F"$)0C"$$Y.B<$92H,H3)E;IYUINCWE5Y]^_GC^W^>UZ^C
M:0TG1LOB)T]+=46EB=')I/`H38[1'W+<]!1%IY>5N3>,9^JQ-:7.V4@%4.H<
MDW"4.LNF'W11-EVX:.(<F1$A*F43HE(VSXE*"?91CS,B/GQB[^->JM2:FV](
M[>7W=-J^_]?7;Y\_I1\^_N-X8KILG[M$L3?U\5EI6?RH9JGN)RG=7L:W!)1N
M8)1;8)1/8)1/8)1/8)0\8'3M`D:9`D:9`D9I`48G&;!RA%4CK!YAS0AK1U@W
MPOH1-HRP^Q'V,,(>1]C3"*-'-7@0[MZ.P;%2H$<UT7!5S:85<68UGUK(V:Y&
M7,"6J0)6DPIMM9<%!0R,"A@8%3`P*F!@5,#`J("!40$#HP(&1@4,C`H8&!4P
M,"I@8%3`P*B`@5$!`Z,"!D8%#(P*&!@5,#`J8&!4P,"H@(%1`0,S!8R0"ACA
M6"F8`@Z5<0'3TCPNX!-5>M2KAIECJDK56YBKF<BD2I%M1G3;$9:,L'2$92-L
M-\+V(RP?8<4(.XRP<H15(ZP>8<T(:T=8-\+Z$3:,L/L1]C#"'D?8TPBC*L5D
MTC0[`L=*@:HT4JHJ-0VL<)H]5:6VX17-I>8&BAXCJBK5GV,[_IZ!E055ZH<R
MHRH%1E4*C*H4&%4I,*I28%2EP*A*@5&5`J,J!495"HRJ%!A5*3"J4F!4I<"H
M2H%1E0*C*@5&50J,JA0852DPJE)@5*7`3)4BI"I%2%6*D*HTA*I*32/N.57J
M&G?25J8-L8P:1%QJM!V.21.3-L.RX'T,*DE@5)+`J"3!CTH2=%22P*@D@5%)
M@A^5).BH)(%120*CD@0_*DG044D"HY($1B4)?E22H*.2!$8E&3*5;M/$"]/]
MLG;"W/8"X[G*,NIE!%7@6%0%COF/MN$7'\V<_RQX\Y#*0@9R!*H+A%08"*DR
M$%)I(*3:0$C%@9"J`R&5!T*J#X14(`BI0A!2B2"D&D%(18*0J@0AE4D$59V8
M_N"?4">VS1C7B6M-TLVS-"5TTYPF$">+2L>R^&-+2]7<I#G%R[A.J'B`4>U`
M""H=KY.M6R[56T]43%[&(:B6@%$I00BJ)*\+0ZC'0%1;7L8AJ+2`465!""HL
MKPM"Z+XCE9J7_1]KY[K<R'%DX5=1^`$LXD8`#*TB1&)(B(1`B*0XH_DWEBG9
ML;+',9H-[[[]?MEUKY,$0'K^B)J369G5B7.Z;HU&2@'3!(-HD@*>9;^20G[Q
M%.9EMY0"XM58QSO;":UY=VC2%'9.6X(%S#95]Q(LNC4$"]BA9WOL';/,MYIG
M>Q2#8.('P02#38+!)L%@DV"P23"H(QC4$0SJ"`9U!(,G@L$3P>")8/!$,$@A
M&*2HL8X4MNGZ$E*$3=J6%`'K'I#H3A*XZP0W]@(375<).W2\%)O&9R9X8.>T
M>B7T\(`[=Z$0GE5#"@]))"4D"=C^E/`FNH6SY,5B(2>[FA`624)8=$Q"B-4D
MY&&K[JX%S8)'=8703!)"LV,2PKS@-F7SMFBYWRN&C)(5,DI6R'A,5O@9W4)=
M6>1Q>-X^`P%?ZY0=7VVKN>;K*R=98<>ZI7'`NH=(NLY!X^A6YF+0.&)EQYZ1
M,F+Q29SEZ7S1#75P-OJ4&3^<E?AP5N)#T";^Z;(_S^4V)]$AJ$2'H!(=-C;1
MYU-]S"!YE+[#1HD.&R4ZU`M8?,!F>MII"]+%1B4XI)/@D$Z"P["(Q6_2<:ZT
M[.Y%,*R.WS',=LB_`,/"1GO+L(C53\",IKHQ%MWJ)V#L)-$>>F;Y4<2JQTW)
M+:AK=C*;CKIKAW0Q5!F<(9VDA'3'I(2'T2T*>K;HG_F`B)(1(DI&B'A,1KC9
M9CPY6737R*U2,D).R0@YC\D(7X,;WQ.V`RZ/KY(/ODH^^'I,/B@<W>+'..%M
M.MTI%12N4W84MOW=?10^\@R-;W/*D6G$V@V)X,>##VGHY988L'9#0C#8*!AL
ME'BP4?R@GF!P33"X)O'@FOA!+,%@DF`P2>+!)/&#-H)Q9Q,,ID@\F")^T$(P
M:%!C+0WL%];VTN"X@_,A3+?%'[%F0R)A-0L2EC<D]%T[H\HGT>?2`Z\\<.V!
MWWO@M0?>>.#&`W_PP*T'WGK@S@-_],`[#[SWP`</_,D#'SNPXXEM8>Z[71S)
MD[`3VHQX]C/M#%N'UHO)K:%.:'IH0R(VK5^D,E(,[L2>E!10QTW1S=(@4W9+
M_(1+@D$E20&3LE\9MZ?3;FH/M[);2@&U!(-9D@)B9;\JA6Y(%+>4`J;EI@F#
M:)("GF6_DL+9D"AN*1S$RTW!.M[97FK-NP,;$KR548:CB!TD6&C:C%"QZ:$-
MB>*6+HJ[4PA7;5)`,,$@F&"P23#8)!AL$@PV"09U!(,Z@D$=P:".8-R2!(,G
M@L$3P>")8-R.!(,4-=:1PG9.7T**L-/:WG4"=FA#@E]0'VY.]89$PIA<[9MG
M1[?X18CE<M&_``6.A.C5:AV.2$8X$K&]&:%-=`M3T/[W?J"0I(-"D@X*'9,.
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M,6+\>?XRX6=P2RE'RV7_NF\(&D.5E!`T8B4E!(T8?YY/"6>#6T[ID39&*ADA
M;<1*1D@;,?X\GQ$>![>4<;HX'?6;CA`YQAIR=D2V;=V>R./__%'?2=@N;ID=
ML/;IGEG'O(M1;(I;FMRM'.R-@\':G"*UA;6"P5K!H*A@4%(P*"D8E!0,_@D&
MWP2#;X+!-\$@EV#<`@6#38+!)L&@CF`P1;"W#O;.P7YVL/<.QM,]FH1GT!S0
MHP+/H#6>'9MM"[EF\Z'52]AR;ED:L&8S;1*Q(EJZ$;!F,TTQ*"E^4%+B04GQ
M@Y*"0<D:ZR[?MA_KRW_EU"?N8I8Y!Q]/P-K-I8@U58E8WEQRGG9)L9JG71R0
M.I5H2<\42D$JI2"E:L"N5K9'5]?J$%7"GEY+E8#-63F5>[0^VL%UVE`]+\^+
MP9Z(,<7(3:>S[F"+>UQV2]</H02C4!%KIH39KT[1[5E3N>R64E"X&FOK9M]V
M:>KV.HX-8;H-S(A1SM23BU'"ZMI%C#?U)+\WR:_"+AWL*F'59[%.6/OFG_ZS
M^+YR2VFO6ZPKE&VRO(!@T[`ITQ`L8H=V4I);+<2('=I)*6[IHJA;W!XJTQ'J
M)AAU$XPB"4:1:JPKDFTZO*1(89.B+5+`NIV%CN<P*;@UCSI$;/]S!Y`K-$VO
MAYA,I_U6'D4+/LW6@J:D:#$6?[+P98Y.'9N4/+O6;4]2U3IA5U5;'==5?:5&
MPR*[+7;`N@/Y;BI/L:-;N1^M,E:6J%0V^H5SX=%LT;])A,)&ES(:P48)3V$C
M5L)3Q8#%,^U^8DP-Z]A=#6WQ]P5J&-:0;0TC=F"%Q]=_9867L+WLH:RQ:3BK
M',].QK-.#]0U^I2;!G65E-0U8GM34NHF)6<;W68`Q:X3=L6V!<J^8A]Y.&IO
M)K!%<>'*.6?Y`];,YQ)6KAUZ!K]F/J<8=1,_ZA9SE'C43?PHDF"4I<:ZLMAL
M?%]9CCL$FH9)?5N5@#7SN>C7;,@GC!G!<,S.4QJ=V&%;C(5/-8@H2)T4I%`*
M4BD%*54#=K6R:7%=J_\=33_\<O;7_UL]_?'+TS^YUY[\F6?NOOUFV$'\;F2/
M6`E5`G9H/A>;5G,(V!.;PO%\6W?F<\6MJE1NFC`*%;%R_Z1.V:].T>F:RF6W
M%(["U5A7-YLCUW5[Y5@1IMHMQP+6SN<BULSG`E;-W>"48"A/,`HE\2A4]JL+
MU<VM*51VJPI58UVA;$Y<%^H0P<(<NJU(P`[.YZ);N9U`L(`=G,]EMW11U$TP
MZB88=1.,(@D&FVJL+9*=#+^D2(-_=\..F,UOLI0F_:N%+T;1K9G/)8Q/,3>5
MR=6;U#0=I-A/47<RNDP^S7PNA2^'4^OD9]\_?C[E]\DM'6J,^L??KI.'=Z1A
M'WI3U==I=`C3%SO.S>O[EO.6KMBT.=)(6)EP4=D8+HP6H_GTI/NV`H6-+F6,
MOLI8?;M+?B4\50QMTXNZ]#5WJ=$0O*.FS9=K_;ZRB!:F+V+$#DSH;)EA3<NZ
M:C5*&).`Y^E#74/3M,T[GDP6_02+RL;XY;9!924GE(W8WIP4N\W)8\'=R`]G
MZXQ=N6UJO:_<1T[I6'1IO>.TOJ[WM'^K'G>([);NA=1;,(HK&+44C%H*1BT%
MHW""42G!;AQLXV`_.-C6P6X=;.=@/SK8G8/=.]B#@_WD8(\.]M;!WCG8SP[V
MWL'82-:BLI'L@!X5V$AN/#OVVEJE9N^!P=[6PW)7"%BS\(A^S10[8DQ'$DVA
M9&A;85!2,"@9<Q3)0TGQ@Y*"04G!H*3$@Y+B!R4%@Y*"04F)!R7%#TH*!B4%
M@Y(2#TJ*'Y04#$H*!B4E'I04/R@I&)04S"@I`8V2Z@DE%822-=A1TM:)-25?
M.7Z%Y68S+658-_8VB\&$%6;1N^B7%X/.YG[ED^@,=4O#!,)=!2&O@K!70>BK
M(/Q5$`(K"(,5A,(*PF$%(;&"L%A!:*P@/%80(BL(DQ6$R@K"904ALX*P64'H
MK*#QV4$AM(/":`=M2,-GWW':%O1?@--A7Z#E=-PKH$]E8J5G,[QC=J!^0_.`
MV6P_-YW.ND=SN$=GM\1IB"X8/)<4T#S[U2FZ%UU`_.R64L![P:"]I(#UV:].
MT4W'T4%V2RF0@6"H0%(@@NQ7I^B>2D,6V2VE0!6"(0I)@2:R7YVBVPQ')=DM
MI4`D@J$128%$LE^5HO_Z$Z+);BD%FA',)",Y;`C(GG62[MF'[]!0]DM9;*)2
M@YV";&>G5M"AB4K8"6JE$K!#NQ*SZ-9()6"V[,I2&<\[DB&5[):N"JD(AE0$
M0RJ"H0O!T(5@Z$(P="$8(A`,$0B&"`1#!(+!>,%@O&`P7C`8+QCT%@QZ"P:]
M!8/>@L%EP>"R8,9E!>&R@A!708A;@QUQ;:?M)<0-.W,M<0/6[11UHJ)KP:W=
M*0J8+6`+<?6[>[$I*X7A+8K.-V,A<@C5[A1)2HA\3$JX'=QLR[;T3(__-"MT
MEZS0_9BL*."8K(@BN%77BB@D*Z(X)BLZ.28KTI&L2$>R(IUCLJ*F8[(B,,F*
MP"0K`CLF*YJ+;L]3"0U*2M.@Y+3QY)BD-IX$O_ULLB&FSMPIU;9[7Z+4L#W<
M*C5@]F*F3&KGR>E9="M/@-"SB)5]0,:3B$WCH=3)Z:B;$B#+Z%/V%!E?)#ZR
ME/AH,&"<6`Z'7K-N0&.PD>"H3X*C/@F.U'+P4@LYWT=JD@*I20JD)BG054YA
M_3\==7-7%"7!490$1U$2'/E$+!2'']'I3E90CD1'.1(=Y4AT9-)$YZO2\DUQ
M9"+Q32:2P&0B&4P3`;3SZ$Q&^0!,$W6:5A.G+SSG&/R[7>.(=:-7=Q!Q,8IN
MS>B5L'K+*&)QJ!KS_>3^=QPN4ZSJ]GV5L"K^.F,E_O<)2_''D^YCOTX>5?2;
MA%71-QDKT7](&/>I@;'];S9LDT,5_#9A5?!=QDKP'Q.61O&3_A5*=\FCBGZ?
ML"KZ0\9*])\2%J-/EOTW"1^31Q7];<*JZ.\R5J+_G+!4]LGL=-'=ZMXGGRH^
M>D@<*8=5Z"&!)0-ZB.#!,2+ZA32='NQ@IAXC7K<YQ=&(;*-&S';&LEJ=$ZKD
M5F[W*YZ$'\*Q?$K+CC<9*T\<=:<:J"0V*T5")1$KX5&)A$<E`4L_4].I&8U(
M;#0BL=&(Q$8C3>QQ-R@A$8F-1"0V$I'82"3'+E66>R(ZD13H1%*@$TF!3G**
M0>+=\T&H1&*C$HF-2B0V*HE8_E3[;Y<@$@EO(I'X)A))8"()(!_LG@(Q:*3&
M`WDZD=AIV1<023QT*_2DRQ&KMZQXLJC]/A87$=WJ$\B$8<KZ<L[,DUN8OL[G
MB_%I%Q[AQ/!EAP#A2$J$$[&]*=%2=(M/L<W[KP&BINA1$J*FB)5K1$T1X\_S
MUXC`@EM\I<CI4A46XY1\*"QB)1\*BQA_GL^'Z*);7!*<]NM/]!8]2D+T%K&2
M$+U%C#_/)T2"T2TDG,E+6A!A]"@)$6'$2D)$&#'^/)\074:WR!J^9C?M-CD1
M9O0I*4V8$2PY39@1Y,_S24VKP8_/L?+KE]"FU1AOR-QIU<YK]VGUR./KTW#N
MVRR&(M8<#":L%('NA;;5(2##EV#(3C!D%[#JH!'9B1\:$PQ5"8:J)!ZJ$C\D
M)!CCDF"H1N*A&O%#(H(A"L$0A<1#%.*'`@2#\X+!>8D'Y\4/@@L&H04S0DM`
M([1ZPEX%.RYT5+4SPWU4/>XIT=-P]-@R-6#-P6#TJYA%[Z)?/AATGA*M?-)L
M#.J6A@F$NPI"7@5AKX+05T'XJR`$5A`&*PB%%83#"D)B!6&Q@M!807BL($16
M$"8K")45A,L*0F8%8;."T%E!X[.#0F@'A=$.VI"&S[[CM!TE?@%.AQ/)EM/Q
ME/+`P>!I=&MNR`$[=#`8F^*6.`W1<].$P7-)`<VS7QFZIK-NS(3XV2V%@_>"
M07M)`>NS7YVBF^N@@^R64B`#P5"!I$`$V:].(0>#Q2VE0!6Y:<(0A:1`$]FO
M3M$MC5%)=DOA$(E@:$12()'L5Z70@\'BEE*@F=PT8289R6%#0/:LDW1G&#:G
MR7XY(A*JP4Y!=F98*^C`P>!I.&-LI1*P0P>#L6D[(L0C2U9-9:JF!X.Q*>>'
MZ:J02FZ:,*0B&%(1#%T(ABX$0Q>"H0O!$(%@B$`P1"`8(A",@4`P&"\8C!<,
MQ@L&O06#WH)!;\&@MV`,`(+!9<&,RPK"904AKH(0MP8[XMJ9X4N(&\X86^(&
MK-M:[41%UX);M0='SR+&>4@A;K\P>Y/<TO/<)QQZZW(XA*JVY2"RI(3(QZ2$
MV]%M[ZH&NDM6Z"Y9H?LQ65%`SCH<A73#!&J0=*A!TJ&&8](AD)RN*G^_=$,S
MDA7-2%8T<TQ69)2S>A>)I"0=DI)T2.J8=*@LN!7RR!N.4)VD--5)3AM!CDEJ
M(TCTV\L?6Q77F3MMVBGA2[093A5;;<:3QGID<(X":6-;P?RV1QH%Z%G$FOW<
MB(6=O\E\N9CHAF[T*9NW"%'B(T2)C^H"9M_2*_>#GI"H3E*@.DF!ZB0%$HM8
MN(3QK-^W0V02'9%)=$0FT5%4P+@`X_:RG[^@)0F.EB0X6I+@""=BL?J\W+C=
M<D0Z$AWI2'2D(]'121O=>4D3.I'XIA-)8#J1#":*`.[_>$T4=9I.%`CJ1:(P
M__XL,&#=@-6='M#;X-8.6!$KV\&,3@'+7W":R-=QF68%GW9TDOB(0N(CBB;^
M9-R?-*('B8X>)#IZD.CH(6+QO6C]5\*1@P1'#A(<.4APY-`$G_<OQD8.$APY
M2'#D(,&10\!BW:?C17<K0@X2'3E(=.0@T9%#$WT\FO->[U9NR$'BFQPD@<E!
M,I@<(LB?Y^]V)H?@YQT%VNN=&CF\[BAP"-.I)&*'C@*36[G=KW@[W2"ZYB@P
M8>G+:A-]"UIR*>*ZRJ%*^'7&RLCT?<+RE]6Z1?QU<N#1FS3$W62L!-]DK`3_
M(6$I^*2[56R30Q7\-F,E^"YC)?B/";/@>VAPE_RJ'/<9*SD>,E9R_)2P=`%Z
M:*ZE?YL:\:!YJMB[C)7@/V<L?;+3<7?:^#Z[E.(CE)2SQ$<H"2P)$$H$#Y0(
MI:360YYVX)C;D6(]FWJE4BQ,KY2('3@/''I`T[+\IL.Q:3/AT050=$O?2)SS
M_MC^YU@N<ZRRB89\8OR2$_D<DQ-%!;>4<S+N-\;05(Q4,J(IR8BFCLF(S-J,
MXV7_DE>$)AD1FF1$:,=D1'MM1OC3+5N1G61$=I(1V1V3$26V&?E)%)G$I4BE
MJFA1,J+%8S(BSR[C>,1.5C^2I5@EIPE4DII`C\EJFHU^[#WL'=R2WY"YDZR=
M&.Z3[)''@O:*"=%LP.R&D;LW[87'562W=`]$LX*]<3#T*'[H43#T*!CB$PRU
M"8;:!$-M@B$MP="28&A),+0D&,(1#*4(AE($0RF"(0O!'AT,'8@?.A`,T@O&
M("28<5Q!.*Z@1P4;<&K/CKUVLEBS]\">,&\X498&K&-I-_V@:]FM8JE@L%0P
M6"H8+!4,E@H&2P6#I8+!4L%@J6"P5#!8*A@L%0R6"@9+!8.E@L%2P6"I8+!4
M,%@J&"P5#)8*!DL%@Z6"&4L5A*4*>E0PEM:>'4OMM/`E+`VGBZS0$]7H2,`Z
MEG:K);J6W5)3>B88+!4,E@H&2P6#I8+!4L%@J6"P5#!8*A@L%0R6"@9+!8.E
M@L%2P6"I8+!4,%@J&"P5#)8*!DL%@Z6"P5+!8*E@QE(%:W*D3]TF!^K9<:%C
MJ1V]U2RUR?LS+TX^=)L-IW@M@0/6$;B;)-'K[)8NA4X+!H$%@\""06#!(+!@
M$%@P""P8!!8,`@L&@06#P()!8,$@L&`06#`(+!@$%@P""P:!!8/`@D%@P2"P
M8!!8,`@LF!%800BLH$<%N\W6GAV![0BN)O`AEH8CNY:E`>M8VFUTT+7L5K%4
M,%@J&"P5#)8*!DL%@Z6"P5+!8*E@L%0P6"H8+!4,E@H&2P6#I8+!4L%@J6"P
M5#!8*A@L%0R6"@9+!8.E@L%2P8RE"L)2!3TJ&$MKSXZE=ACU$I:&PZN6I0'K
M6-J=9-*U[%:Q5#!8*A@L%0R6"@9+!8.E@L%2P6"I8+!4,%@J&"P5#)8*!DL%
M@Z6"P5+!8*E@L%0P6"H8+!4,E@H&2P6#I8+!4L&,I0K"4@4]*AA+:\_`TJ__
M^-O3T^?5A\\?OOWF'T^??GNZ>/K]]S^^^N7C_]@+)WDF@#.WC'_UZ>G7__J3
MZ>(L<!Z:J7$^&(<O[8AQ,K3D_?=>R]G$6O(](<\X'P]AA\-4"3L?6C(C=UM.
MAY;#7HBVG`W&8;NT-PZ7B;*=H`MKMG!;+>P2%VZKT<G0SQ._GZ.%=877\#GY
M1J/E8!S>3]KUD[.,H:H\D:(MOQN=?>?7S.(Y#<ZMSFX+Z[O7\^^HKU%+DY];
MY=VZ6_G<ZMF5>-=Q/K%8_)Z-9N'ZAT^89S1=X^R,HT(O&2>#LS,.^CP;YWJS
M,\[I/!O'<K,SCMD\&Z=JLS,.R3P;9V*S,PZX/)L=9PU4=*VH8E`5;R-P+W%B
ME^A]-ESBQ"[1LW&)$[M$S\8E3NP2/1N7.+%+]&Q<XL0NT;/9)0[\=ZU\EW9*
M2T[&]`IIB='N#9X5>*A<.%,1<<Q.*4XX->ML?'/ZE.*X-GO[#,5Q;?;:&(KC
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M-ELY\?EY8B/@B7?_7`-;/L]&/AL!7=MJR2"W]%JMEMRPEM[GNL&R=2T[+(^N
M9;5<G%TNO3O<&LNU:]E@V;J6'98[U_*`Y=&UK);<%);^)\QPMO0JOEXRF+F6
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M8;ER+6LLUV-OL<6)VMF->V#`N1IK-V]IP*G9V:UKX>R,-;+7AI.QLWO7POD8
M:V>O#:=$[$!Y%@ZGV'_R+)Q0L5+U+)Q%LO?D63B19`7K26O-@<JUV^;!5GL.
MWSE)(+]7:?;1B>59V$6GTIZ%/73JZ5G80:=JGF7-_<CKV0TCC(=O;*WK7,DM
M8[R'[VP%[/C?,[Y[^(H/Q*TM1??P#;3S\!W4\O`'Z./AYXSI7G\N&-$]?&7[
M!,YU73&:>_@::@QL^CK/T__X]IM_??CMZ8</GW[[^S__^.KWIU\Y`#WYLSU_
M\NGOO]FS4>$?GS_^BQ^:^--7?_GX^?/'?PS_^[>G#W]]^F0../_Z\>/G]`]N
MJ5__^^.G_QX.6;_]?P$```#__P,`4$L#!!0`!@`(````(0"!J)]\Q@L``!93
M```9````>&PO=V]R:W-H965T<R]S:&5E=#8W+GAM;)R<6V_B3!*&[U?:_X"X
M3\`VAR1*\ND#G]KV2JO5'JX9XB1H`HZ`F<S\^^UV-[:K&OK%W\TP<3U=*??;
MIRH3/_[Q:_LQ^%GN#YMJ]S3T;L?#0;E;5R^;W=O3\#__CF_NAH/#<;5[67U4
MN_)I^+L\#/]X_OO?'K^J_??#>UD>!]+#[O`T?#\>/Q]&H\/ZO=RN#K?59[F3
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M>3C&&^5R.%C_.!RK[?\TY!E7VHEOG`0R>F/W;_V[J3>=]?`R,5[D9^/EZA!D
ML/5]R,^F<>_[F!DG\ZZ3WO<AIU8=BOQL0KGZ/NY-8_G9-.Y]'YX<1EI5J4SK
MYMH[&>DQ4@^Y<'5</3_NJZ^!G,=R%!P^5VI5\!X\Z?HTV/30:(;?I=$GAYWR
M\J=R4SN3`^L@I\S/9SG8[AY'/^4X7QMHH2'9ARTDAQ.%EB=(C6OE.N07(GXA
MYA<2?B'E%P2_D)TN=&*C@>4GXA18T;DPDKW9=*GL1:M+`RG?^?E[ZD'5BO9@
MX-,(%C;"B*5->-YT3MV$-C2A1&03T@U3,[:A(*!^$AN1?NXIE)Z#9F,*B;.0
M1Z',AEC_Y#;!8RYLY+[U0G262^-?T%FUDBMR=Q+X4W:["PW)5;.9*7R:0"*$
M1`2)&!())%)("$ADD,@A4;@(HJOL=J*K>]XJ^FDH1TTCE5SYV!A?:,BE)R1"
M2$2:F)^6WSF;'S'TD$`BA80@44QF/EL4,F+WISS*G-CM]@6QW\]GTV85("K*
M4T,/%17-5>2+T$)#\O<W4O-9"8D0$A$D8D@DD$@A(2"1:6)6C[<;W_/9*I83
MNS>?L?%8$+M_/VGM1$EYA.NAI*(M)5O/]9EBH2&7DI`((1%!(H9$`HD4$@(2
MV8E0![?YE,W8O&N=W+'#0J&M>A1XP;PU$Q'E^;N'B(IF(HY95`O-F-'GC<=L
M]"VUO:OQM%TJ]-'RA-3G5;X)1UWKC;5'QUWSE#=.NM8;F4`WBU3]FU-BGG*S
M(&:9<-'6F3:?;EW>.[7GI/E\SIH7I'DP[=B)9*J>T$T-W/N@HIED_JP].>EY
MIR$S5L;>N!TLM7VI[5W-V`H;0B*"1$RBL'>@!'I((2$@D9$H[+[(B=V.LB!V
MLD\2%676V4-%13,5O0E+(!8:<JBTA$0(B0@2,2022*20$)#(()%#HG`11$]5
M""""JHP=IY=U,YAW&,HE+49"C$08B3&28"3%B,!(AI$<(X43H2*KVL+U:Z^G
M2Q$@"3&44USMR(&$V$MD$+W,RV2(K>$Q=I%@),6(H($$G52AWFXR:K<"S:G=
M:E\0>R"+H\T^3-54-84>:NH2!%732D94L4XNU0ZIEA@),1)A),9(@I$4(P(C
M68.H0]T-/Y?EU!Q,^-F(VN\[9V$JJ:HF])!4%Q^8I.UPT:<CSU6BT`<DC(08
MB3`28R3!2(H1@9&L092D=_RP2ZQ>P,J4!3'?!6V?4SWE/.JCI\+9.<E*4#P-
M.6<H1$+L)<)(C)$$(RE&!$:R!E%R^AX3+"?FB:VG[K)3\A/,VAR"*JJJ"SUF
MJ"Y&L!G*\Q?U&$[J;G:VNTG[N\WTU':'Y*%QX4`BC,0T$&OG2K"+%","(QD-
MQ.J1G-JM0`MJ[VZQ5$U59>BJ>>6I5Q<GJ*J=;=JLNZ<"Q^7"G@>1$",11F*,
M)!A),2(PDF$DQTCA1*C(JC#Q%T36]0RY>39U65F"9]O$PCL515J*G4N7&`DQ
M$F$DQDB"D10C`B,91G*,%$Z$BJSJ%EV1W64E3Y<YV`SFSU<,Y5A4EQ@),1(9
M1&\`\[F=VNAP'8$D^+>D&!$DD/L)+P%FQ&X'FA.[W;X@=L^?>VT1B,JI"A<]
MY-1U#BJGG=NXJB%FIX5(Z$$DPDB,D00C*48$1C*#G,X^\WDK2MTK>>.C3GZL
MX5EP!YUA0U3U>9')/4EKG!V'??ZX9V$HQ]Q88B3$2(21&",)1E*,"(QD#:)$
MF]RU&8K6E)A]*V$EYN!2?N/W*RC5.!/4RF\,Y-03UY.PEP@C,482C*08$1C)
M#'*:I3./U1AR!HP[189:\H(!]Y,V1Z+35*ZC/19?7^%,5?L9C:%T^).[.Q;]
MTM@=LH<8B3`2DT#L+2S!+E*,"(QD)!"[1W)BMP,MB)WLM53-?C4E_UQ-:<HS
M5D,YU%IB),1(A)$8(PE&4HP(C&08R3%2.!$JKE2`3-7K$EA?-8./;0SE%%D[
M<B`A]A)A),9(@I$4(P(C&49RC!1.A(K<K^:DODAMK<?6=\<,Y5!NB9$0(Y%!
M],+O^3.69,7818*1%"."!3)GJ7S&[#S0G-EY^X+:O4NIC<]K3N`0?*[69*4V
MM5/W8QN,A!B),!)C),%(BA&!D:Q!ZLS%"]C@RZE]PK]K5E![Y]!")RBO,`%)
M=<V(9:OL@+[P<64)(R%&(HS$&$DPDF)$8"1K$"6IY[.324[,4U9)+ZBU_>X7
ME;-?+<D_4TNRLQI8P5D:/XX5.<1(A)$8(PE&4HP(C&0-HM1L\Q&3HYXZ31F[
M17R3SW3-WL7)J>HUUY>2?%W>89.3C;*%H9I-C>TE2V-W:HGK2-A+S`-A"UR"
M7:08$1C)>""L1W)N9X$6S-[97<G<5%])ZJ%FC?/<E"?&"T,YU%IB),1(A)$8
M(PE&4HP(C&08R3%2.!$J+B\G79?-!+H<!)[4&,HI,JXK82\11F*,)!A),2(P
MDF$DQTCA1*C(_:I+P;GJDI7-&,HIKG;D0$+L)6J0^O3!'P?&C?GBX\`$(RE&
M1(/4<72^'E]OC1DU\S!S:N:M"V+VQ^T#32IDO\)2<*ZP9"4RAG*HM,1(B)$(
M(S%&$HRD&!$8R1I$Z7WC\8-M3NW67P84W'[AZ!O(CN^SO2J<;Z_6$YK:J3LY
MQ4B(D0@C,482C*08$1C)&D1IVCGPZ,,OL?(ORQ?$VOWK5SI%^U6.@C.5(RN3
M,9!SAFH_#B3$7B*,Q!A),))B1&`D:Y#S:IZZI%ZO?7[Z)8V]-MN@:O:K'`5G
M*T>M[WJ8+0PUT7_>&;1K?6U>-N:+&UJ(D0@C<8/4'<1WK*0Q7XPCQ8C`2-8@
M=1R\/W)JYF$6U-S96*F0_>I%P=EZ4;N"&R%QO<@X<LY+Z"7"7F*,)!A),2(P
MDF$DQTCA1*BXJBK1K3=<F<3H8@9*8DXECXO38!E`),1(A)$8(PE&4HP(C&08
MR3%2.!$J<K^B4G"NJ&0G,;`BM#2.G#,8>HD:+_56Q<_@<6.^.,@2C*08$08Q
M5;2)QZJU6>/B;)PY:%Y0^]VEU7C2KZ14X]:9EY6[%H9R"+7$2(B1"",Q1A*,
MI!@1&,G.(/SOI_,KF,+-D+DZX54E]].9&K?TY4]G#.74%U>3L)<((S%&$HRD
M&!$8R<X@MKYVQW"F</NA^O8K*$W.%)2L),=`3GEQ/0E[B3`28R3!2(H1@9&L
M0=2*['LLC<F)^6;&JQ0%M4\Z.P]5M%]E2;XU[TP5@B<ZAM+OL;F?L]"7QNQ0
M/,1(A)&8Q#'O=$%]C$^PAQ0C`B,9B</JCYR8K3#5FPI5GYNW`G6W;JVD?@VA
M?B?<MMR_E<ORX^,P6%<_U"L&?9EM-E?UZP\7WH-\?9I\"QJ[GLG7(M;71XU!
MOI7P<_56_F.U?]OL#H./\E6Z'-_.98J]U^\UU#\<J\_ZU6??JJ-\'V']WW?Y
M_LE2OOYM?"OAUZHZGGZ0OWC4O-'R^?\```#__P,`4$L#!!0`!@`(````(0`5
M:%K&UQH``&B=```9````>&PO=V]R:W-H965T<R]S:&5E=#,T+GAM;*R=76_<
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M9[2+&$F+/5N8Z]#XS33(-2@T*#6H-*@U:#1H->@TZ#48`G!%VDX"T\#X.P0V
M;HS`K,R.@5=<R;UG"ZZ2:9!K4&A0:E!I4&O0:-!JT&G0:S`$0(A)EPJ(.:,K
M/A[->7":6A2W@\&9)@LY\G;69DFQ;AK!2VFRGTPF08'D0`H@)9`*2`VD`=("
MZ8#T0(:0"&WIX@=MS9WRQ$A@W'RX7*I0,)-:[IS5,;DGDTEN(#F0`D@)I`)2
M`VF`M$`Z(#V0(21";E)6R'U\"!OK45468^<(W2FG`9LF*RGS?C+B:AF0'$@!
MI`12`:F!-$!:(!V0'L@0$J$AS5"$AN;FE=*$X>1!:QQ)>2U946P)Y%TK>2>C
M25X@.9`"2`FD`E(#:8"T0#H@/9`A)$)>NCI!WC,B@G&#$6$NM=PYJV,183*9
MY`:2`RF`E$`J(#60!D@+I`/2`QE"(N2FD"GD/AX1C+4<LH[(B+"1,N\GHTE#
M(#F0`D@)I`)2`VF`M$`Z(#V0(21"0SIYH>'9$<$XDO):(B-">JWDG8PF>8'D
M0`H@)9`*2`VD`=("Z8#T0(:0"'E-=@7ZSM8F=3YUGC"ZD@H[I"1.E,3>:M(8
M48ZH0%0BJA#5B!I$+:(.48^(UC_&L4:G32<DY39)Q=^1G=GD1$S*THVZF^U,
M_FO&/`6HZ9ZGY\#>QHL_56.4HU6!J$14(:H1-8A:1!VB'M$@D!3?)"&A^,?C
ML5D*4!&#$5U.DZ!IJM,T;\7Z98AR1`6B$E&%J$;4(&H1=8AZ1(-`4E*3?(22
MFO"\G+WSRTD_O^#@\I@@(S8+*=0#*GRHS&/OK;S<4T5&.5H5B$I$%:(:48.H
M1=0AZA$-`DFY3?+Q-\GM\IA0;HN4W&I:MS=K2K936-L,48ZH0%0BJA#5B!I$
M+:(.48]H$$C*;?(4+?<9\V53Q482'S9H-4VO6+#9T7#M7*VF=:/,5^,.R1$5
MB$I$%:(:48.H1=0AZA$-`DGU31H3JO]&N+99#]T2689=XI`,UTKVO;?BBAFB
M'%&!J$14(:H1-8A:1!VB'M$@D)34I"JAI"9<+^AV?^*24.)2GE!KBU3P@-G&
M9.6U!I0[]W;^-"X;%XA*1!6B&E&#J$74(>H1#0))K4U*H[4VH_U4K5UJ1'^F
M.<=LH=:%=HFS(C$G*Q!_LO'B`\J])[8J$)6(*D0UH@91BZA#U",:!)+BFX0G
M%/^-V&'S(Q$[')*Q0\F^3R8K%BM#E",J$)6(*D0UH@91BZA#U",:!!*2IG]?
MICBZDIFB0RI\J(1F[ZTFN1'EB`I$):(*48VH0=0BZA#UB`:!I-PF"0M'L`G5
M9X2/U"5S8?B@N8>*#3LV.Q8_O(U7'U-%M"H0E8@J1#6B!E&+J$/4(QH$DNJ?
MEBJFF"HRDO%#+]YY*R^I\[69YC$Y6A6(2D05HAI1@ZA%U"'J$0T"24EUJG@\
M)*>8#CHD8\1,+]AY*R\IIH-H52`J$56(:D0-HA91AZA'-`@D)8VE@^?$B"D7
M]),'BA'J9K=+G=G1&#'9>/4!Y=X36Q6(2D05HAI1@ZA%U"'J$0T"2?5U=OC&
M@)Z20#[GG5ED-7FAB!$SO3SJK;ABABA'5"`J$56(:D0-HA91AZA'-`@D)3TM
MY4LQY7-(Q0B]0N>MO*365Y!SY&A5("H158AJ1`VB%E&'J$<T""0E->G5WS&/
M,'[&.9N/$>E,K<7M4F=U-$1,-EY\0+GWQ%8%HA)1A:A&U"!J$76(>D2#0%)\
MDUZ%XK\1(EPV%J35J4,R1"C9]]Z*Q<H0Y8@*1"6B"E&-J$'4(NH0]8@&@:2D
M)N,*)3W[@6!J/*DLQ"(5/?0*J*L8A(H,48ZH0%0BJA#5B!I$+:(.48]H$$BH
M;;9B@=IGS#!&/RIZ+!*5WNW8ZECT\#;34$>4(RH0E8@J1#6B!E&+J$/4(QH$
MDN+K%/!X])A-F1XKLV,DHX=>`/567#%#E",J$)6(*D0UH@91BZA#U",:!)*2
MZKS.1(_S'G?/,.=S2(4/E6KOO967V_H*(DJ.5@6B$E&%J$;4(&H1=8AZ1(-`
M4FZ=\YVYB#&;DD$_^:`$!>*',SL:/R8;KSZ@G!OTCUD*1"6B"E&-J$'4(NH0
M]8@&@:3Z)O$*;Y5OQ`^7IP6SCYE#,GZHO'#OK;RD4T5&.5H5B$I$%:(:48.H
M1=0AZA$-`DE)=<YW]NQCANF@0RI\J$&^]U8L;88H1U0@*A%5B&I$#:(648>H
M1S0()-76Z>"H=KHQ^T'?&,N8&<XLHKT,K-O>(Q]6TIE:H\NB5G._["0/V60R
MX34W1KQD/NZ(>..871(47G\6B6.>T-%CCEG-_<J"/&:=I9QPS)BQS"P2QSRA
MH\<<LPI^<B*/V<S40><%1?(W1+8S_/!)S\PB<<`3.GK`,:NYS\W$`<^C,^ET
M]?98'FO*/,6A\)`].G;(4:NY3W#D(9\V_YSC_-,A&='TOH>]M^(K,T.4(RH0
ME8@J1#6B!E&+J$/4(QH$DI+&YI]G;7"?X_33(:6VGGYZ*Z\V3C_1JD!4(JH0
MU8@:1"VB#E&/:!!(JFTF=CI(G#?;G[LY8A"<'5)RZ\F1M_)R6U]4D5&.5@6B
M$E&%J$;4(&H1=8AZ1(-`4FX]WQSO(W2O/G''PWR:B/I01K-]=5_>L1G=ZGZX
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M["Q63]@8T?#T<XR%?C[OK;RDSE<PQT"K`E&)J$)4(VH0M8@Z1#VB02`IZ=^6
M$2XP(W1(A0^_0F'#A[?R:F-&B%8%HA)1A:A&U"!J$76(>D2#0%+M6$9XQA3#
M+#3IW1";:S6,=VQU-'HX3\$,PU?C_L@1%8A*1!6B&E&#J$74(>H1#0))\75^
M>'R&L9C20)9AQTA&#[]\Y<:SJ^A#1>8KLJ\<48&H1%0AJA$UB%I$':(>T2"0
ME/2TI&^!21^C4%*=:N^]$<N7(<H1%8A*1!6B&E&#J$74(>H1#0))16,YWUDK
M=`M,^1Q2\5@_C_=67FU,^="J0%0BJA#5B!I$+:(.48]H$$BJ;3*G<(9\YI+1
MPF5@E(%,TPJ:SD%`=F9'`_)DX]4'E'.#/FP7B$I$%:(:48.H1=0AZA$-`DGU
M3TOY%ICR,0JC1[K02\[>RDLZY8J,<K0J$)6(*D0UH@91BZA#U",:!)*2DA(P
MH,];,EH85_*YCT,J?N@E9V_%VF:(<D0%HA)1A:A&U"!J$76(>D2#0$+NI4X'
MCT\I1G,IJ4/TFVL6:\]H/J',(4KUV2I'5"`JT5>%5C6B!E&+OCJTZA$-`DG]
M=$)GX^_XM/KUZ_W=;[LGBJ=D%-%U1F\%'"=<VR7F>0[1U)H%VS,*9;453;H_
MA>UTH78\Y*XB6;&O`E&)J$)4(VH0M8@Z1#VB02"I="S/2Q:G*HTYWM(BD\0$
M&NIE9+8*Q;<5*=LW;W=,KQ.5%^:N#AEXW:<ZC$KT7/F*SK.Z#]?>@-TTB%KT
MW'DKYUDMV/3>@#T/`LD^T=E@9)33CQ6F83XE?>Q[M[3H+?&=52B^169=P/?:
M4BU1Y\X]67&+!:(2486H1M0@:A%UB'I$@T!2Y=/2OB6F?0Z9W[4'8JFNW[.5
MGY)EC,*P;=V;W[EZ7PMUN12N(OT\DX4OV9=W7S'R[FM&1]TWZ+[EBMY]Q\B[
M[QD==3\(][(O3LL7EY@O.F1^.CGIE\"/\-C*;[;*&-'`GRJF2Q49<K::CT%I
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M[-DWUC+RC77LYFAC/5O9QNC]X.HR']CSV)CL29T`Z^GO/Y^^_VCZ&TX,,#$V
M#Y^I-]4M2VF^9RL?]#-&?F3DC(X&_<)9B5N6.PCOOF)?WGW-Z*C[!MVW7-&[
M[QAY]SVCH^X'X5[V$57$JVTYOJ'PC?F:J:EBGD7B[I4NU:6_-S_(I8KT6W:.
M5ADC/SIS1BZ"K#?!7M4Q+RK8PM\^2D;>=<7(NZX9V7M%LEGJZ-2PA7?=,O*N
M.T;>=<_(NJ8K4P>"@2WP/F36':`K3LYA1B^R6QP2MZ)TJ9>1V,H'C<RA\%;$
MR(:#C0H&!1=[E4KT6[&5OV'4C.R=2$]<&B[V?EOTV[&5]]LSLGY3%2D'+A[]
MB@MC99+GOW8;&EVHKK`IN;H-Z5F!JTA;XZ<KQ"&Z,S#*V<K><Y+-]4P%P((M
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M(CAD]A]Z/59JR67OK,05Y)8,_`C(V9>]B\:ZR-81%X]SXT=WQ8UYSS6CS0_[
M`SRW7,=[[AAYSSVCR3.('WJ6EXQ>-CCS,9UY+:R=D?DNH,=T*LG9L5F8T:AK
M8.]M^++,$.6("D0EH@I1C:A!U"+J$/6(!H&D^B9Y/B%@&7-U\W!(A,R5NM+W
MJ\G*2PHH1ZL"48FH0E0C:A"UB#I$/:)!("FIR89#2<V`/NLI_\KFU>+V8)&9
MN06!1@7>O:M(5E[MJ2*C'*T*1"6B"E&-J$'4(NH0]8@&@:3:\33[Y!^&K*8\
MVPN[UMG;CJU(S$E^B![.DX^8F:_FQ0>K`JU*1!6B&E&#J$74(>H1#0))\>FB
M%T/]C>F.,5?1PR$9/530WJ\F*]8O0Y0C*A"5B"I$-:(&48NH0]0C&@02DJYC
M>?!9T6/T)-5V2$4/=:_>>ZM);40YH@)1B:A"5"-J$+6(.D0]HD$@J;;.<X\/
MX+5-8,.`[)"25&5U>V_E);6^@AB=HU6!J$14(:H1-8A:1!VB'M$@D)14IZEO
M2&IS3R&I1>&VB;5#P5-.A\)M$X@*1"7ZJM"J1M0(),]9IWUZK?>GMCJL,1MT
M*-SJP"B4PE:46QU6ZKZ4NXKA5@=$):(*48VH$4BJ8^;^>D(4+ES\G#HV@Q`#
MQ:(WGI"OG54HF$4_WI[@ZH3;$Q"5Z+GR5C_8GN`-.!(T`DGE=&[TQK4TI4#L
M>[>VZ"V)G%4HD45R$\%*K=7ESGVXB0!1B:A"5"-J!)+*F.0A'%-O*.-R#9^R
M[M86R46OE5[T<E9ARNZ0^2'`-`?$9V)L99=>?UEN]!O)"F<1IO'86L6(IHL_
M;JUF*SF-4JM&C6\Q\+7VJQ1289,PA`J/:8R9^/[TWJVUS3G$)6N1V77N3V>M
MLT57D792\T#.&/GUU9R1>Y)Q';P>PSXC80/?ZR4C[[EBY#W7C.QRQCP)WFXR
M>F[88/0L93/S^K\HFTL-_&'OU@Z)M&^MTSZV\EMZ,D9O#%;GW@W6!7VR67Y'
MJV`_/D*4C'QK%2.*';YW]>.,FJWH`O16:S7G;]A*CI0?#5:3(&C5PUO,SZV-
MKUV>07),1T9K2&J"O&,S<S'P4W%UM]U[&S^$G7>?&.9H52`J$56(:D0-HA91
MAZA'-`@DAOQ&IRS'8_%H+O,21B)\Z8>'>V\U28HH1U0@*A%5B&I$#:(648>H
M1S0()"75><G9:T@;3%D<DBF+?@J\]U9>;4Q9T*I`5"*J$-6(&D0MH@Y1CV@0
M2*IML@N,'B>O(6ULED+WNR`NK'3T8*MCT</;>/&=\R!ZH%6!J$14(:H1-8A:
M1!VB'M$@D!1?YTYO1`],DC8.R>BA`[*W\I).%1GE:%4@*A%5B&I$#:(648>H
M1S0()"4UZ8T>SV>M(6ULHA3.X!Q2T4,E!GMOQ=)FB')$!:(2486H1M0@:A%U
MB'I$@T!2;9,I:;5-PG7BJXDV-N,2T8,F'VHFMF.SH^'#N?*Q(O/5N$-R1`6B
M$E&%J$;4(&H1=8AZ1(-`4OW3$L$-)H*,9/C0B:"W8OTR1#FB`E&)J$)4(VH0
MM8@Z1#VB02`IJ<G1](`^[W=F&^-*S?4L4O%#I:I[5S%8'<T0Y8@*1"6B"E&-
MJ$'4(NH0]8@&@:3<)OG2<I\7K5T:%R2.&XNDVAN?18WI[-Y;^<$]5624HU6!
MJ$14(:H1-8A:1!VB'M$@D%3;)&%:[7.BM?$SCFP_UZ-HK68=NXTS.QJM)QN6
M.O/5&.6("D0EH@I1C:A!U"+J$/6(!H&$^LGU:;FBM9<!9&(DVY1^IQN]AA28
ML899A-&WO\TA41-^,Q]]_!L8??T;&'W^&QA]_QL8?0`<&'T!'!A]`AP8?0,<
M&'T$/&1*X5CJN-Z<]]5U3!Z3ZRD)#-772U&!6:#^5)49J0^,U`=&Z@,C]8&1
M^L!(?6"D/C!2'QBI#XS4#YE2/Y9*KI;F3;PG3@>3ZRF;9+5VS%0X5TMG^\",
MJ]+0M^Z".RJ)#XS$!T;B`R/Q@9'XP$A\8"0^,!(?&(D/C,0/F17_ZN7KX?":
MW;[>?GS_<'C^<M@?OGU[N;A[^OV1`D1"7VT/^,7SX?.'R^UF<[,UODB@J8HM
MHIA]8T)8I(2NNYOQXHN6):9L7`W5'JDA4Q9K;;M);[:47$0\4HG)FV,E,RH9
M?U6N6]K,J23F;;M94#OCS`#J+*C.N"`.)4LJ&=?%H61%)6-Z`25K*HFULUVM
M;[:TJALY'RHQNTQB)=07M%DB4K*FKJ`'^[$2Z@AZ/HTEVS5U.BT#80DMZ5*=
M:#L;:H<6ZB)U-M1.U-MVL;K9TI;(2!TJ,2_-B)60!O3NAU@)'1N]I@!+MBOJ
M4]H:A26TS9%TB_;IBOJ4-J_%ZM"Q1;UM%]<W6WK>%:E#)>:=;K$24L<^%]0C
M9$'C.NIMNYA1.]%CHQ+S]J=8.S3BZ7%2K(0TL(^0X`A(@V@[V_G\9DN[>"/>
MJ,2\(3=60NW0BUYC)=1.U-MV3B/$/HG7QT8EYDV:,6\T0NQV!ZA#(R3J;3LC
M16DO><0;E9CO>\1*Z$SI,Q6Q$CI3^O5&I&1.O4VO)H^54&_30]98"1U!]-BV
M*:E#'XZ*U*$2\TVT6`FI0S_RB960.E%OVQF-:_N[4:THE9BO)T6\S>A,Z2-`
ML1(ZTZBW;9K0^42UIA+SJ=B(MY2\V?W]^MA2TBWJ;9O2Z*7/]<6\49_2YR9C
M)=2G]'O#6`F-WJBW;4)QQSX2U\=&)0-E4Q%O"7FCGRS&2JA/H]ZV"=TQ[/-Q
M:(=ZFS[1'?-&O4V_P(^4I-2G<6\F\,5J4"/1-JB):`L)M9#$1LTVH1&01/6G
MDH%F*)'C36@$V,\PP-G3"+#;HZ"$^CG:3K9>W)C]%-C.U@S."-^9`XMQ,S!C
MW`24"-_2H(SVNPFH$?L=#:'8<>YH`,7\;"E81$7/EG1$].X(/.5LG=Z8K6%8
M0EO!2*982;:>44G<VYR\Q4Z%M@-1G5@)O?7GQKS3)W($5&+>T(,E]$8>.I]8
M2;:DOJ+WPV"=;$EG2F\IP1)ZDPJU$RNA-Z&0M['D:AI?+Q_??[_]<NAOG[_<
M/[Y<?#M\IJGU]?B*F>?[+^;QI/W'J_M5\Z]/KZ]/#^,/G+\>;C\=GHT!94&?
MGYY>^1]T4%=_/CW_-D[?/_Z_`````/__`P!02P,$%``&``@````A`#%T),%'
M/@``8T\!`!D```!X;"]W;W)K<VAE971S+W-H965T,S8N>&ULK)W;DMLXLK7O
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M_N:??WYM/OT[?O?^[W]\E0&_E6-J#^VGW_YW_N[+6SFG(O-R>-LJO?WTIW1`
M_O?9A_=M<,@Y>?.?7YX/Q?'[W[[^\<OST=W+V\G-:"#FS_[V[LO7Y?M6\OFS
MM__\\O73A[TQ&E@I(S*V(O)?*R)R5[85+^<.R']MV\G+\?!V<O^4#D@\GT7D
MOU9DK`?1T_$'VT[^:]L-1B_O;V_'=_<3Z5!/RX&,U-EE^\>3?`[DW)B6>L['
M+P?CF[OVC/>Y'*&A_('NWE[970S10,?H.J=W<"I_6*?BOJ^;$[20/]#-P<O)
MX.9A]-A)Q3@.="#[G0TQ#.T?UMGPY?#^=G#[V.D<=J$O?]BFDZNB9H@1'#H#
M<7/5$0XQ#NT?.)U.O/><US8ZSG'3_H'S>G/=\`\QBNT?3W2+,1GJF%R?W4-D
M6/M'=Y*?G-\C.='G8V__L#)R%OJGF%=FJCO/G/,W7]_\^O/G3_]^)A<D&>\O
M?[UI+V^#GT8R#I@SS<GO9M%O3:(R>[8JTU;FE^=R5F1^_")S_[]^'=S<W?S\
MZE\R7;^U1J\O&/D6,UBT<W.K.P_!(@3+$$0AB$.0A&`5@C0$60CR$!0A*$-0
MA:`.01."=0@V(=B&8!>"?0@.(3B&X!2":3>^&)AI-Y@=H<&;TNA-:?BF-'Y3
M&D!9-=CH$E^O)&Z[X)7<^Q'!V\JTP8M#>0V@T3P,`A46:#(/P2($RQ!$(8A#
MD(1@%8(T!%D(\A`4(2A#4(6@#D$3@G4(-B'8AF`7@GT(#B$XAN`4@NF42#>8
M&*KIC&QH]*8T?%,:ORD-X-0=02]09:;^$8':RLBBU)EEAP\/?F2^-C9WLM[H
MIN([WV36F>"4S(DLB"R)1$1B(@F1%9&42$8D)U(0*8E41&HB#9$UD0V1+9$=
MD3V1`Y$CD1.1Z921#C/&<,K#.N5QG?+`3GEDISRT4V]LO>"65<./".Y6YI?G
M=\$:8N#'[FMKU1?>G0E.S9S(@LB22$0D)I(061%)B61$<B(%D9)(1:0FTA!9
M$]D0V1+9$=D3.1`Y$CD1F4X9Z3!C#*<SMN)QG?+`3GEDISRT4V]LO?"6M;47
MWI>K"5@(M];G*$;'7QLRD7NR;D(>W83KB<X(S>9$%D261"(B,9&$R(I(2B0C
MDA,IB)1$*B(UD8;(FLB&R);(CLB>R('(D<B)R'3*2`<:8SB=L16/ZY0'=LHC
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M*:.,4<ZH8%0RJAC5C!H/^2/6EM[<^O`C(V8J=7(3A_/W>F#0V)TO1S?A?&FM
MS.Z@+?V:AK=NP^%=L'!>V(:W[=7S7[_>/0R#R6EI#61/!%V*V)GL2YX3O]]9
M8JW&D[.S43#%KMA5RJZRJUSEOJL7@_"X"G96LK/J*F<UK.Q)O`^/K/&<^0'2
M%M.>$""M>9#2!@UE!+K,'`V"O8-9NU,H#66["<,X![KKT`)H?!Z@P>#A(8B7
M)2ST\AD!J70,I-*)16,C/0SJ$BNT4-T42'4S(-7-?=T7P]N@QP7:J'()I,H5
MD"K70#@9D[N@TPTLSM+^L+8E)W=8O^MJ*C<0--H&M1MHSF@''9O9AK)1IJ-M
M&HXTCQ?6:C(PHST<C.^#L%E:DY&>J8BU8UBI=N)KRQ,`P8RU0AM53EDY@Y4J
MY[ZR9/8PN`H5:*32)4M7L%+IVI<>#$>C^R":&K0Z:_M#WA98_OLAMV4:]PI@
MT,B]9@_&P>0Y:S?C)<%'&L!S(%G*=[%RX0I@&]Z;*!C?C!Z")<H20AI.$9"Z
MBX%ZW26P,NY&@_O@0%8P4&<ID#K+@'J=Y;`RSEX,[FX";P4LU%L)I-XJH%YO
M-:QP)@</D^!,-C`YN_/#IZUU](7/YM-?Y^WF1U80K4QP@3#(KZ`-@L">M4M"
M:2A6.F406K#5DE'$*&:4,%HQ2AEEC')&!:.24<6H9M0P6C/:,-HRVC':,SHP
M.C(Z,9*M9AHUV6QF=F'`9<.9[2X,N6PZL]V%09>-9]?.#_>V!.2&^R-A;2I&
MWL+8()F0$;"S@47N?8M!;IG-6CEHR2ABK9BM$D8K1BEK96R5,RH8E:Q5L57-
MJ/&0/Q8RK7EC\7V+E58EF'D,DBC0(;+('2*#'JF\R:U-*^\4"9:,(D8QHX31
MBE'**&.4,RH8E8PJ1C6CQD/^J+65G"=DD"G\>!ED:T%R:Z#K`RK%M<_/M1<&
MS;,YD*P<NH9<C%,KC/Z2402D,1(#^?+!E3M1*\BO&*5`*I\!^?+!?6^N5I`O
M&)5`*E\!^?+!&K56*\@W'O*'NJT(N4/]?0EJZDI>!!CD5N<&%KG#;9"3>@MK
MY:`EHXBU8K9*&*T8I:R5L57.J&!4LE:E5FY(!\NW6JUTU-R3XXU:^QBI-VK]
ME[BSN3]_6M1>1;L\XVH=K)PIU:)'JG5JA:-9,HH8Q8P21BM&*:.,4<ZH8%0R
MJAC5C!H/^2/65K'</'MDQ$S1RTVHM@K37J7<*74T"&_/K97,[3CQ<XOZ"V@+
M6)E"DQ2U)H'TTEK(,4(Z8F\Q=-QNTIUA8JULN6YX']["LZ^4?657^<I]7R_&
M86FY8&<E.ZNN<E;#"J=Q?!_L\S6>-S]&VD+:$V*D-0^RVJ#619?5HT'0@YE4
MZMJ&;L$.2&],%T"V1G4;UM66,-`+5`2DY9$82)43BZ1>I[T<CB@$;"]5/H66
MRF=`*I^K?%MWEBI.4'DJT$:52R!5KH!4N0:RIV1\$Z1(`X.SLC^V/Z1J-^2J
MG45!U2[8O9S!2FL1<XO<JIU%MFHW>G@(%D9+M-'3%+%R#"N=*!(@-S`O#+DM
M)*I\RO(9M%0^!S+EQA</P;@4^'<5+EFX@I4*UQ9U9R3<%F[0YJSLC[B$MY?-
MW[6R:E_`")/<H$>*=K:A6[0#DMN=;G:@J7D!*UMJNA_<!PO,)2PTF"(@3988
MJ-=;8JTF=^<2X84+@3U8]95"6'UE0+V^<M_7B[O[8`U60$:=E4#JK`+J=5;#
MRI[&R23TUL#B[,T/G;:VX5X(PM"YKF`GSTI0['15$PT!?N3--G0+=HP6C):,
M(D8QHX31BE'**&.4,RH8E8PJ1C6CAM&:T8;1EM&.T9[1@=&1T8F1/'+?#3>6
M;-/7%]CL`IM?8!>&7!Z^9Q\7!ET>P'?M_'!O"VENN#^R-C9U-V]M;*MS>F<Y
M:U\ADXE3JN(X]+E%3G5NP6C)*&*MF*T21BM&*6ME;)4S*AB5K%6Q5<VH\9`_
M%C*K>6,13CU7/28W;%6"I:E!;L'.6GE#9*S\@MT@6(8L;$.W1,`H8A0S2ABM
M&*6,,D8YHX)1R:AB5#-J/.2/VM,*=NUB,1R>JPIVMJ%;L`.2ZW2WJ.""G5HA
M&Y>,(B!=F,=`OGP0$(E:07[%*`52^0S(EP\+=FH%^8)1":3R%9`O'ZRG:K6"
M?.,A?ZC;HI`[67Y?@IK2DC>'&N06[-JW825.O.$VR$F]A;5RT))1Q%HQ6R6,
M5HQ2ULK8*F=4,"I9JU(K-Z2#Q6*M5CIJ[LGQ1DWNLOQ1Z[_$G<W]^=.B1PIV
ML'*N>A8]4K!3*QS-DE'$*&:4,%HQ2AEEC')&!:.24<6H9M1XR!^QMMSFYMDC
M(V:J<VY"C0SR"W;T>)VU<@MV0#(E=U,JWZ=9JXEYXNWV?AP$Z-(:N/4Z*&MU
M,`;J=9;`ZN%\FS8)*BHK=I6BA;K*@'I=Y;"27.J.?C0(IN1"/:K5,'S&J(26
M=J("ZNU$;:UP<A_".FNC_B5?_,!IZU9/"!Q3YO("QU:^W&()/W8G#TZUD[.4
MG)"Q<R"]65T`F2B9\%-W,-"K5@2DRC&0*B<6C=L'\O_U:U!C7*&!RJ9`*IL!
MJ6RNLCJPHT%PR2S04.XINB"Y,/QTBBHT5(\UD#U%]^&#B0T,SL?BC_4/J>JU
M7XL(EF,6M<N`[OBXV`\KK5?,+9)Y#5&Q`+)5R]%`OFOA/RB^A(D.3<3:,:Q4
M.P$RVG>CL-:Z@H$JIZR<P4J5<R`Y-\X9".:X`E8RT)W5A3@P)UBNV#@I%1JJ
MQQH(YVDRH8=M87(^&C\29(GG9?UW+<O:SWR$D6#0(]4^V]"M]EDT=M]NO'`5
M,?)C^Z#F^'9X1\%A>Z!G+V)W\57N$E@9=W>C!YHWR%G*SC+(]!Y;;JTF?A(%
M^PP%Y-WKS840LOW2>:.ZJA,UK.P)EB_^C((@;K0'="UI:R;NM22,JNL*@6WP
MA&'556,T<>116G]>F-F&;B&0T8+1DE'$*&:4,%HQ2AEEC')&!:.24<6H9M0P
M6C/:,-HRVC':,SHP.C(Z,9+/%'3#C1EP^OH"NS#@\J4";GMAR.5;!6QW8=#E
M:P6NG3^)/JT0*+,=A347`JV56V6RR"T$,EHRBE@K9JN$T8I1REH96^6,"D8E
M:U5L53-J/.2/Q0\I!(ZX$&B16P@$<N]:KRH$VH9NZ8%1Q"AFE#!:,4H998QR
M1@6CDE'%J&;4>,@?-;G6>1>,1^Y:6_.@SF#0(R_1CJR5%MSG0'*A[)9B7`A4
M*TQ$2T81D-X]Q$"^?+!62=0*\BM&*9#*9T"^?'#7F:L5Y`M&)9#*5T"^?'!7
M4ZL5Y!L/^4/=%IOZU@975>I'IF3EW7X:Y!8"K95;"+3(2;T%HR6CB+5BMDH8
MK1BEK)6Q5<ZH8%2R5J56;D@'R[=:K734S"DT)\<;M78Y[HU:?X*>S?T$M>B1
M0B"LG"G5HD<*@6J%HUDRBAC%C!)&*T8IHXQ1SJA@5#*J&-6,&@_Y(_:T0J#<
M2853JD5^(3"L*,VLE5L(!)+)MIM2^1;.6ME:U8.\]^2OXI?6P"T$0ED+8S%0
MK[,$5J80*-^_]7VMV%>*)NHK`^KUE<-*DDD//WQ.K&"/)1JJQPJHUV-MK7`J
M[Q^""T#C.?/#I*TUN=/Q(XEM2E/NO-O&AUR,'WEX#U9:4)D#Z;WIPB);G!N'
M[^PNT40O41&0"L=`*ISXPL'I6:&!RJ9`*IL!J6RNLKU#;<^0RI?04OD*2.5K
ME6]KE>.PFMR@R5G8']8?4N$;<X7/HJ#"%SZW!RNMO<PM<BM\0*9R=>&Y/1CH
M68I8.8:5UL02(/LX:]"]%?Y9=5/6S6"ENCF05]T+BX<%K&38=0*@(C][K-!0
M/=9`.$>WP;$T,#@?BQ\#LFKS4CNLPERUTFH?=PW6VA:U-\3=\?'KM[#2>)Y;
MU%ZTNH87+@S&H\Q9;=0/1I-A4&U;0EK#*P)2;_%5WA)K)=6VUMMM^*;O"L+J
M*P527]E5OG+UI<=/M><"\M[U@\/'G"6Y$\:"I[JJ$S6L4#H=W@738:,=$&D_
MI-H:B'NU"$/JNL*>S.\VIO0\R->=@S+>:YC)/747+D%?9VJ#TS!GM&"T9!0Q
MBADEC%:,4D89HYQ1P:AD5#&J&36,UHPVC+:,=HSVC`Z,CHQ.C.23C38F=/$S
M=0(`@RL?;62["R,NGVUDNPMC+A]N9#M_U/T$>%JI;\RE/HO\=\_IZXUJA2.?
M,UHP6C**&,6,$D8K1BFCC%'.J&!4,JH8U8P:1FM&&T9;1CM&>T8'1D=&)T82
MUB8"G*T("6MFLPOLPHA+6'/;"V,N8<UV_JC[81U631^Y"^#RJ+P2U4[I[KOG
M0.Z]O+%R*]C6RD%+1A%KQ6R5,%HQ2EDK8ZN<4<&H9*V*K6I&#:,U:VW8:LMH
MQVC/6@>V.C(Z,9(8MF.K`RDQ3",I4S.S^06VN*!W8<PEAEG/'W4_AN4>N7=M
M<MURMU4)*E<&N95_B=9SM.L9F5LDM3-=K(QN@I7K0JTPKR\918QB1@FC%:.4
M4<8H9U0P*AE5C&I&#:,UHPVC+:,=HSVC`Z,CHQ,CB78SMDZ%6**=V>P"<X(`
MPRLS-K>],.82[6SGC[H?[6VIMF\E?EVTMRI!M!OT6)W66KD)8-"M>W,W"A_9
M6;3Y(1[%"F=HR2AB%#-*&*T8I18Y&ZF96CFY&GX/+U<K=+5@5#*J&-6,&D9K
MBYRN;M3*[6JP`[-5*W1UQVC/Z,#HR.C$2-*$(D#2I!M<M[-!K56N$YT9>CN=
M7V`78D4^O<YM+T2+?'S=M?,RIPU0+W/ZUSIG<S]%+'HD16#EI(A%WE;&*/P.
MW$*M<'J6C")&,:.$T8I1RBACE#,J&)6,*D8UHX;1FM&&T9;1CM&>T8'1D=&)
MD7RKO8TAF<7,#_6=?Z_J]04VN\#F%]B%(9</MK./"X,NGVQW[?Q(?]H64!N6
MP<7`HK;.W%5@:'-\9JW<+2`@_6C?`D@2L].B3W<LK96[Z8.&6AF(@50^`>J5
M7[%\BH8JGP&I?`[4*U^P?(F&*E\!J7P-U"O?L/P:#55^`Z3R6Z!>^1W+[]%0
MY0]`*G\$ZI4_L;PDDHDY)W2FK\'4@?SL@;7K]3"=7W#1Q9T>@N26E7-<1&#]
M+A!Z)D#]=&NW>=PEV2,7%K,KY&ZEM=\ZD0STM])&P5L+,UCI[L4<R-V7X,*Z
MM6K+NYJ!X<;D$EJZ6Q4!J<<82,O/R27YT2CXIL$*#54^!5+Y#*CW@/)+'NGS
M#`6TU&,)I!XK(#V@^I(\'5"#ABJ_!E+Y#5#O`6TO>:0#VD%+/>Z!U.,!2`_H
M>$F>#NB$ABHO>6HC4_4E3RWK/21)76/6'W62NE;-\;H`<[QVX:F')3]D<L$%
M'9=<*5T7?NK*,3PE=5OS8$UHD'^E'`4[&C/YJ'C;\%[GG3F0[B\M+'JXL5M2
MX9W)$@:Z_(@@H\HQD"HG:#@T6VLO@^?05OAW%4ZAHL(9D`KG:&BZ/+@//]Y3
MP$"52\BH<@6DRC4:FB[+#P^'&Z`P4.4U9%1Y`Z3*6S0T?99WC`+E'0Q4>0\9
M53X`J?(1#;O3'.Q:G6"@RI)B%!N28I:IMN23838Z!K>345!DDERR)HX\@LH)
M/;D,LCP"Z0%]#]X[D"QRQ?TL:K<DGW`!-#N8W@70H""+@N.;W1HKYU#F0'JB
M%A;)>=+;*-/P0<]+A(8ZH#&0:B70THEH!:1:*1JJ5@:D6CD::K\*(-4JT5"U
M*B#5JM%0^]4`J=8:#55K`Z1:6S34?NV`5&N/AJIU`%*M(QIJOTY`JB4A3P,I
M(6^9JDG(VW'3KDF,TUC*SUZQWA+,T<.@2XPC-"2L73T_K-L=PB>$M=U0U#/T
M^M:@8%T73#<S6&FOYD!ZL5L`V=>];FZ"Y>$2!GHAC8!4.092Y<0BN5"?G[MX
M.0[R;H4VJIP"J7(&I,HYD%4>CNZ#56$!"Y4N@52Z`E+IVB+;Z>%+^EP1VJCR
M&DB5-T"JO`7"DS?ADR$[&*CR'DB5#T"J?+2H.]'A=[].:*/*DBLVAE1:<L4R
MU99<L<R>Z\EH$L[@750Y\EU8.?)=)#GR"*7N?(<?QY5$LATXJ_N)U.Y)/B&1
MS!:F=WTP*+@^!*N8V:VQ<FXJYT":E`N+VDVFOKLAH^75(T@^9OGD*OF5M7+D
M4VCI_6H&I+W/+9*+<9NL=^/1.*@)%RQ=0D>E*R"5KBV2$]-*#U].@HFJ8>4U
M9%1Y`Z3*6U7N.>4[EM]#2^4/0"I_O$K^Q/*27#2DDER6J0-)+L.^?=;ENF1,
MG!&5ZQ+++\$<^<BR;YYY22Y7W4^N=K/43:[PT:RK-H1NS9:KEW,&M=?'+D]&
MHV!%.[,-)?EQ29T#Z?2QL&CBU5BX`F$]ZJF)H*7RL47WNBA(@*2ZTW65;I]7
MT%+Y%$CE,R#M?0YD$F,\?`A[7L!"I4L@E:XL<GI>`YF'\B[E')V3-2MO@+33
M6XOZ3_D.#;7C>R#M^,$BI^-'H-Y3?H*6RDO.V2-2?<DYR[3_DG.6??.L2\[1
MR9&<8_FE94[_I79@[.Z_=>8EYUQU/^?:+=O_/N?,QJ^7<Q9):;\+9'["]M9:
MZ9)Z#B25CJ[AA4*@;6@O'OP39Y#1O:L(2)W%%MWKFB$!L@]>OQP'BX\59%0Y
M!5+E#*CW,')866<7?JVI@(FZ*X'47661<R`UD-&6A`QV,1O(J/(:2)4W0+T'
MLH65/1#^D;$=+-3;'DB]'2QRCN,(A`&Y"X[C!!E5EM2DP)+4M*SW2"1;O=`:
M7/CM)$E7:^.X7(#IT4AYPM@YAR/I:AG&Y2ZX29%T==7]=)7+3F^Z7O?T\FTK
M$U3_#`IN\((5V<PV=#]]`Z03WL*B]KE43>%PF;U$0YT](R!-QQA(Y9.KY%=H
MJ/(ID,IG0"J?7R5?H*'*ET`J7P&I?'V5?(.&*K\&4OD-D,IOKY+?H:'*[X%4
M_@"D\L>KY$]HJ/*2D3;`5%\RTC)U(.EG6'_P2`;:IHX+Q)T3G9*![`)A]HB+
M+O3.+KPTO&LWK-VK9O\^V=G<3S>+@MO`H!`RLU;N;:!%[4:`YE;XWL$"\G+=
M5ZMPK;>T5LY"/V*/,9"N?!(@.;<J'R;XBN53--2[H,RB_@/*K57_K6[!'DOV
M6`'I`=5`O0?4L/P:#?6`-A;U']#66O4?T(X][MGC`4@/Z`C4>T`GEI].T5*/
M:/K:LOY#FB)<^X]I.K_@%0'K1/H4X2D_H8,;LFD7G[W'-47,FLCV4[?=-W]"
MZIIM=G=E>V=0<*4,]\FLU8/SG08@730L@,RGW&[OPPK=$@8Z0T9`JAP#J7("
MY,T`G*+F6!Y4/D5#E<^`5#X',AT?/(R""DL!`U4N@52Y`E+E&JBWXPVL5'X-
MI/(;()7?`IF.3Q["HM,.!JJ\!U+E`Y`J'X%Z.WZ"E<I+RME14'U).<O4@>27
M9?:DWTZX,`H31[X+,D>^BRM'O@NLW@.0W')CQL\MN2@]);=:\^"R:%"06\$"
M>79GK+S<LDB/9P$K72$L@?3L1$!Z<F(@U4J`=%)<`:E6"J1:&9!JY4#:KP)(
MM4H@U:J`5*L&TGXU0*JU!E*M#9!J;8&T7SL@U=H#J=8!2+6.0-JO$Y!J2>#3
M0$K@TTA*X%NF79.KB&6.7C?DVCFYBK!>-^C:/0EK5\\/ZW:[^`F7#+.[[%TR
M#`I6>\&4.;LS5LXU<`ZDE\"%1;;"^C`*;M&6]M^]11T)QRR<`/5>6E<LGZ*A
MGLT,2/N=6V0+SX,A?>.Q8.D2.BI=`:ET#=3;\X;EUVBH\AL@E=]:9'LN.W_!
MP.U8>0\953X`J?(1J+?C)Y:7S*$AE<RQ3!U(YAB&LSX9WP=E;TDD8^($S!1!
MYH2B)!++1V"]!R"YY;KP<ZO=LWY";IDM;B^W#`HN&>&&VIVUTKO/.9!.(`N+
M9&O0N:_AVR:KI;-1!"V5CX%4/H%\;UUDA88JGP*I?`:D\CF0V3>]&T]NPSUJ
M6*AT":32%9!*UQ;UWS$W:*CR:R"5WP"I_!;RO>=]AX8JOP=2^0.0RA\AWWO>
M3VBH\I)F%#:29I:I`TDSR[YYZB7-K(DCCWCS"A:P<^017OVG7]+,=>&G6;NC
M[:;9=VVMW;4JP8+-(/]C*K2U9ALZGP&>6^1^3`5(UI=:5>#L,Q[ET]"X*XQ8
M/K;H7M<D"9`.P`H>52MEK0Q6NDV76V1_G6P\>@@K,`4:J73)TI5%3C=K(.UF
MPUIKUMK`2KNY!>H]HSM8:5?W+'^PR.GJ$4B[>F(M22(;(\[S2Z]AIYV5)#)V
MWSZIDD0T^'*M8OFE94YGI71@[.ZUMY(QKIZ?,>TV]7^?,6:SV[M>&?3(IV?N
MK)7.`G,@[_8LC+L%K,S'8.[NPR]I+V&@HQ$!J;/8HGM%"9`N:59HJ%HID#;,
M@'H[GL/*_FS;<#2Z#VHJ!4S470FD[BJ+G*[70-KU!@U5:PVD6AN@WJYO866[
M/IC<!1?>'2S4VQY(O1TL<GI^!-*>G]!0M23%*%SD.F59;]\EZZR9[?QX\!!N
M%$K:61O'91=HVG]9(AH[YP`D[2S3(Y"T<_7\M)/>]J;==1M<=ZU,<*4RR/]J
M"7UWVS9T/G8Q9[1@M&04,8H9)8Q6C%)&&:.<4<&H9%0QJADUC-:,-HRVC':,
M]HP.C(Z,3HPD([KAQC)!,H+9[`*[,.)RE>&V%\9<PIWM_%'WP[W=Z76O,H]L
M)-F-8;W#>RV7EC;2W:^6`.G:9VZ1O*"/L[%@M&04L5;,5@FC%:.4M3*VRAD5
MC$K6JMBJ9M0P6K/6AJVVC':,]JQU8*LCHY.'_!B1FVLO1KYO[=ZJ!#.B0>Y7
M0>XL<D/'H/9M]&Y5SE\%L0W%"@&V9!0QBADEC%:,4D89HYQ1P:AD5#&J&36,
MUHPVC+:,=HSVC`Z,CHQ.'O*BJ;W^_??1=%;QH\FB1SXI`"LGP"QJ7P+7``M_
MJF.A5EV`,8H8Q8P21BM&J47.IRPRM7*[&CP@EJL5NEHP*AE5C&I&#:.U14Y7
M-VKE='4</&"P52MT=<=HS^C`Z,CHY"$_#-M-I.LO?')/&,Y>%CT6;Z:A<V;F
MMF'[LK3&&WW"0JUP9I:,(D8QHX31BE'**&.4,RH8E8PJ1C6CAM&:T8;1EM&.
MT9[1@=&1T<E#?B2U^S9/B"2SS2.76XSKZ_87%^32Z._.A+\W/[-63DE\#J1:
M"R#W:LF?B+!63LD]0D.]38J!5#X!ZI5?L7R*ABJ?`:E\#M0K7[!\B88J7P&I
M?`W4*]^P_!H-57X#I/);H%[Y'<OOT5#E#T`J?P3JE3]Y\GZ@MIL@3PA4LV?B
M!:K=1O%F+OJX@OQ61!O.3E%Y#B3_TDUY_$RUM7ID]P-:6D:+@+2`&`-I=2"Y
M)$^ON*_04.53()7/@'H/*+_DD5ZF**"E'DL@]5@!Z0'5E^3I@!HT5/DUD,IO
M@'H/:'O)(QW0#EKJ<0^D'@]`>D#'2_)T0"<T/,O[$=[N/SPAPLUVA1?A!OE3
M\3BHILTFQLJ;BBW2?%U8J_ZGT9;6RIN*23Z&1Y5/KI)?L7P*+9UM,B"5SRW"
MIC.])%NP<@D95:Z`5+FVR#Y`,'@Y#G:$&U9>0T:5-T"JO+7HFWW>L?(>,JI\
M`%+EHT7?[//)4_:#LBWQ/R$HS8Z`%Y0&!3O,P4,`LXFUTA2;`VF*+8#P;NM=
ML")?PD"3-P)2Y1A(E1.+NM=:@Z19H8D*IT`JG`&I<*["SL4CW)8KT%#E2R"5
MKX!4OKY*OD%#E5\#J?P&2.6W0-\ZX3L8J/(>2)4/0*I\M.A;)_R$)F=A/R3;
M\O<30M)4R[V0-,B?)\.MGMG$6'GSI$6:6PMK]=@\:1IZ\R3)Q_"H\LE5\BMK
MY<BGT-*9(0-2^=PB/.!R$_ZZ3\'*)614N0)2Y=HB.^>,7H:/_32LO(:,*F^`
M5'EKT3?[O&/E/614^0"DRD>+OMGGDZ?L!V5;N':#\KO*C/(#/G2C;M`C;]_:
MAN[;MT":<PL@\R;EX(9^'GP)"STI$9!F>&R1\QIE`F3>HASQ>W^04>442)4S
M(.UT#F0[?7L3/)Q4P$"52R!5KBQR^EP#F3Y?^+(09%1Y#:3*&R#M\Q;(]GE(
MO]RS@X5*[X%4^F"1T^DC$$YTN(5]@LQ9V8_1<+OD^V*4=U':7RINJ^-N#9+?
M5H65ON$W!Y(20M^=E96WKS`.[R;!U7D)':V+1D#J+;;(>9TP`3+2HY?!L](K
MJ*AP"J3"&5#O8>2P,KYN;\-?<RI@H,Y*('566>0<10W4O1,9G)\&,JJ\!E+E
M#5#O86QA94?C?G`?/$.[@X5ZVP.IMX-%SG$<@3`:-T%M^`29L[(?VU)7Z)U_
MK]OY;M^2#_9Y+`K6K\$QSV"EBYXYD,X+"XOZGT1;HJ%.!!&0RL=`*I]<);]"
M0Y5/@50^`U+Y_"KY`@U5O@12^0I(Y>NKY!LT5/DUD,IO@%1^>Y7\#@U5?@^D
M\@<@E3]>)7]"P[.\%\`RQ_L!W+^7?3;WMY`L"E:UP1W2S%JYJUJ+^M]/6T!>
MUB,Z5X<W,DMKY:Q$(_88`^G5+P'JK0^N6#Y%0UW:91;U'U!NK?I7[@5[+-EC
M!:0'5`/U'E##\FLTU`/:6-1_0%MKU7]`._:X9X\'(#V@(U#O`9T\>3_"V\TD
M=XG\2(2;O2?WODV^T7&NS7H57*IOP4KS=0ZD^;JPZ)%R+1KJ=!`!J7P,I/()
MY*6LH=E"+Q"BH<JG0"J?`:E\#F3NRX</X4^X%3!0Y1)(E2L@5:XMZK]$-6BH
M\FL@E=\`J?P6Z%L=W\%`E?=`JGP`4N6C1?T=/Z'A6=X/SW8?ZPGAV9H'$[!!
MP00<5KIDP=,V]"9@BS39%M8*-[EW]..XUL";:$DYAC-53H!ZTWC%\BD:ZKR4
M`:E\;E'_)%2P?`DME:^`5+X&ZNU]P_)K-%3Y#9#*;RWZYFG?L?(>,JI\`%+E
M(U!OQT^>O!^>[;[4$\*S-0_"TZ!@(1O<3<_NK94FVQQ(DVUAT6.SI]727(Z@
MI?(QD,HGD']D]B3Y%%HJGP&I?`YY,PG=AY]?+-!$^UT"J7`%I,(UA'O[W:"A
MRJ^!5'X#I/);R'^CWSLT4>$]D`H?@%3X".'>?I_0\"SO!V>[Y^,&YW=5%N1]
M`XI9@QYY0<8V=%^0L<A]0<8B>1;B_'G3F_N[(/:7:*0G*V+IV"+Y#YZ!2(#T
MQ*\L<EZT22URNIG!2E_DR"U"-\?CX(--!=IH+TM6KBR2_Z"7-9#VLK'(Z>7:
M(J>7&UAI+[<6H9?#4?C![QT::3?W+'VP2/Z#;AZ!M)LGBTPW_<B3D/T!D=>J
M!+.E08^\:"*OP[0-G1_AG0-Y]TEAE6X!*[RO,;X/2D]+6.@SH1&09FYLD?/.
M0`*DUZ,5&JI6"J1:&5!OSW-8F9[?CJ@>"P-U5@*IL\HBI^,UD':\04/56@.I
MU@:HM^-;6-E3/IF$GPK>P4*][8'4V\$BI^='(.WY"0W/6G[(MAL_?9/E=:4J
M\6]C5N\PY#>4@S!Z#3/WW`1;UC.U01+.&2T8+1E%C&)&":,5HY11QBAG5#`J
M&56,:D8-HS6C#:,MHQVC/:,#HR.C$Z/I]`)S`@"#.[TPX-,+(SZ],.33"V,^
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M!T9'1B</>3$G/X#S`V+NK.+'G$6/O$,"*R<,+0K>60JV5!=JA1.V9!2Q?*Q6
M[G@$B]Y$K2"_8I2R?*96CGSX(:E<K2!?,"I9OE(K1SY\RK16*\@WC-8LOU$K
M1S[L_5:M(+]CM&?Y@UHY\F'OCVH%^9.'_/A]VKZ1_+A3.#E:Y%<^PX<+9K#2
M@L4<2`J-W3J3G_R'E2G+R1>N@B\O+&&@%8T(2)W%0+W.$FMEGYM\<1?,B"NH
MJ*\42'UE0+V^<M_70_A680$5]54"J:\*J-=7[?MZ$19,&JBHKS60^MH`]?K:
MPLH,F'SI*=@DW\%`G>V!U-D!J-?9T5IAP`;AC_F=('-VYD=^NZ'C5@KZ5Y3R
M<U84^0;Y6U+A1SMGMJ$L6Y".<R`MA2PLDD1MZZ?R@S/A#=<2%OJ43P0=E8Z!
M5#I!0R/]8C`<4EB;`Y%SA2ZFT%'I#$BE<TB;G[.[NPL>*2KP[RI<0D6%*R`5
MKM'0"+\(ZBX-_EEUUQ!1W0V0ZF[1T)[F\4WXM-L.%BJ]AXY*'X!4^HB&>IJ#
M:^X)%F=I/Q8ERI\2BZUYL%PP*(C%H+H]D\^2M@V]6+1(CV1AK206$0Y+(#TK
M$6O%0*J5H*%JK8!4*T5#/<,9D&KE:*BS1`&D6B4:JE8%I%HU&JI6`Z1::S14
MK0V0:FW14(]Q!Z1:>S14K0.0:AW14+5.0&<M/VQ^R,[0`^\,6>0_%ST()O(9
MK'0BGP-I17<!9![7O9M,@K18PD!/3`2DRC&0*B<6R6-?[9SY8C@([@I6:*/*
M*9`J9T"JG`/91XP?PL)O`0-5+H%4N0)2Y=HB]#E<&S9HHL)K(!7>`*GP%LAT
M^7X2OD^_@X$J[X%4^0"DRD>+T.7A;;`".Z'-6=D/T!^R@?3`&T@6/4A-IUL[
M\D/1:*A9.`>2*U[7\,*BTWJT3Q./'L)=["5T],8K`E)O,5"OMP16QMN+P>U-
M<+U;P4*]I4#J+0/J]9;#RCX'?#L)TKJ`@3HK@=19!=3KK+96#S9%!^&JIH&,
M.EL#J;,-4*^S+:SLJ$UNZ5MGL%!O>R#U=@#J]7:$%4;M+MRK.\'B[,W/BQ^S
M2R7?QJ=U@$%^\3Z\9YK9AF*%*_R<T8+1DE'$*&:4,%HQ2AEEC')&!:.24<6H
M9M0P6C/:,-HRVC':,SHP.C(Z,9I.+[#7%]B%`9]>&/'IA2&?7ACSZ85!G_JC
M[H=[6^I_PJV6V1EP'TY],,@MW@-I+L\M<HOWC):,(M:*V2IAM&*4LE;&5CFC
M@E')6A5;U8P:1FO6VK#5EM&.T9ZU#FQU9'3RD!\CX0;/=Q7OVP5!>&=D]WUT
MD3.S5DZ9>6[1(\5[M<*\N604,8H9)8Q6C%*+G*YF:J5+F!$5[]4*72T8E8PJ
M1C6CAM':(J>K&[5RNQHLT[=JA:[N&.T9'1@=&9T\Y,=<NV/CSDO?%W-FW\>;
MKNSND"PC=949/J`^DU51&ZS."9M;]%CQWC04*YRPI38$BE@^5BOMUR@L("=J
M!:T5HY3E,[5RY,-;G%RM(%\P*EF^4BM'/NQ]K5:0;QBM67ZC5HY\V/NM6D%^
MQVC/\@>U<N3#WA_5"O(G#WGQ.[BYM/LTO'LYE,#K+V>:IGX-"<POY8<_,CKK
MS+1V,N^85),TXL,Z\Z(S0S7_)GB9<ME9Z'0==4P=QAWK=9C`#`7B8;A(7\%"
M3AG.>-HQ=9AUK-=A#C/K\.$AJ+46,'#\E1U3?U7'>OW5,,,!!AMQ#?[=<;?N
MF+K;=*S7W;8S0W7_(9C,=YV%GL]]Q]3AH6.]#H\PP_$-PX\HG&!ACC#(CW!W
MZ[LF^,$-[WJ!^0]/AYV37#%-G0=^)5<,<Q^?!K./_-[39[HE,6PK/8>2&*0N
MB4'JD@66F:>S7XS#&IQD`:E+%I"Z9`&I2\AWZD[NAR\O2N"3"PE\<B&!3RXD
MRJ]Q(<%.+B38R84$.[F0R#;LFR,@D4WJ$MFD+I%-ZA+&EGUK!"2,7?4@C*42
M\=^O4Z3X0HMCL',2=1,W5])@YSZ+W3&Y-^N:<BVM,\/3V+?A94%BV_1LI(5P
MB6W+M!(IL6U9KT<)=V,F'Q0Y%X;OPJ_U2[B30PEW<BCA?HU#R0#/X:5)G_Q)
M[),_B?UK_$DZ>/Y>\*1/[B0/R)WDP37N)#6LF1W!T>UMX%%R@SQ*;I!'R8UK
M/$JZ&#,=P6`G2]+%=1BDBUQ2>M/ENF?`!S>M3KA$,LROKX5;W#+M=V985,BT
M3TS60\0D&8A),A"39"#V?ZR=ZW(;-Q*%7\65!XA%4=<IVU6D1A(MT1)%R[*L
M?UZOXJ1R4<KV[K[^?LT9`$.<$Y.5RB\EYS30C<'IF2&`::-\P="Z8&A=,+0N
M&,(6C/NX8&A9,+0L&,(5C)NV8(A5,,0J&,H4#"D*AA0%0XJ"H3O!4)I@DXD#
MIPYT4I@X+4R<&"9.#1,GATFEARHCZHW"33\.=$MPM--AZ\JOU_,9;C8;*%\P
M!BL88Q6,H0K&2`5#^8*A?,%0OF`H7S"4+QC*%PSE"X;R!4/Y@J%\P5"^8"A?
M,)0O&,H7#.4+AO(%0_F"H7S!0OD*HGP%G11"^6KIQ!#*5TLGAU#^T+)2?NSD
M#9=X-BF_W_DKNZ0,KL.&B\\9&ZP^)VRX_&PP!M;U-[!C7+V/TA_#$CMD+A@R
M%PR92W_(7.R0N6#(7#!D+OTA<[%#YH(A<\&0N?2'S,4.F0N&S`5#YM(?,A<[
M9"X8,A]BE7PV;=1-GWCUY<W=R"HV!C\]^_+R!W)&-^H2-CQ4GK&B`A*F:[MA
M97I@ENZ[""TW31A"$PRA"8;0!$-H@B&T#ALL8B*T;%=^&.@*]<`LA8?V<M.$
MH3W!T)Y@:$\PM"<8VNNP0<AH+]L-0ZX6-Y!C-DOA(4?!D*-@R%$PY"@8<AQB
ME1QC&VQX-_N;ZQG=;MIPQ7JTTV$;SIMGLS6%=DTW+%JGIL-5:X.AT#Z2X@*%
M.A?UXBFBS69I>A"M8(A67"#:;#=00+W\RPTSFR47B%8P1"LN$&VV&[BH1X&.
MLUER@8X%0\?B`AUGNX&+>A3H.)LE%^A8,'0L+M!QMANXJ$>!M+-9<H&TAU@E
M[7K_S]Q16>(KMU3=Z1OM=-CZ^K4<1<]F926-NVS?E-S[[EI&9T8=G%A9.#ZN
M#NIPR^W[*:N?"+K'BC\$O8T_!)W]E;#&=6U#-)Z]%K/=H^I@#[*70)#]-H$@
M>Q.(E'<G$W(@:=+)!/%*)FSCE4S8QBO)(5Y)#O%*<FSCE>3(7NTDDRGBCTP1
M?V3*-O[(E.ROS)Y,,LF3O1:SX217^11[A,-'Q:9\ZO84UY\)';9^J-BL<7=F
MPZ)+E+]=K9V,RGOT:<*HH1K7=32JCRB2/5VK8=VEA`UZ)WND=U*EQ_B3,WA<
M_S/3I$IV4<R&5W'UQD:J]+V5H@.D2H^5,9$7/=8=<!O7FV5D1/8WR`CIG(R0
MSI%_[KS$.JZ/7R+_[**8R9#("/%*1HA7Y-]A:9KVCJI3_>@_.TQC0O_2._J7
MWA%[C_&G3%-=@`NQ=V8HH9@-Q[0N]I';!QWM_QAUSK_]_,NG7[=[35]U4RWX
M]=B&H]"C9%;N^VW&R@KV:<8ZO1P<'5<+FV?9HJCL/&.E]UG&2N^O$[;:2QA<
MW>K$]46RV^>.DLV&5[=/`AW4/#<M;M\D;-VM>3JD_LK0KE/;07'M1<:*CYN$
M;?"Q3'8,+6GS;<;*Y;O-6/'Q+F-_-3EWV:+T_CYCI??[C)7>/R1L?03C434Y
M#\GN+R>GDGYL&PWO\W_O)\&HVWU:N_WW6)R?R2HQ6T.I:3E!B_3[[B+_7O[P
M=77#-UM#O5DLYJ\>M3MC.0^0>BJ_!DB'OO?BD738QB,9TIL-W_/&^]5K'`G2
MF[&P5.+7%ZID5@(A0;8)A)S)@<3(S8,C&92!DRQ]H^*/9-G&WTTV6Q]X=92?
M].E[^^[`R2@)A(S:)A"2K#/+<SZN+RM9EH-(.4R6B4>R;!N/)%YOMC;T4?54
M(^^R5S_G5=[%_M/W\F[+3:91MX^UGGC][M?PX3>60]RCONGP%+?!>.;D[M+E
MY"DC&&DE&&DE&#DD&`DCV*7!R`ZQ(Q4$NS(8ZA<[U"_8C<'0M=@A8L$0L6`H
M5C`D*A@2%0R)"H8>!4-\@K'4;L"I`T\<R$U8^W1B8*G=6#HYL-2^9EEE1.R3
MI8S8)=DV_.)@/5VV5WML;:D]8>5&R-"ZMH,E=$8F&`,3C'%UV&#YCV&)'3(7
M#)D+ALRE/V0N=LA<,&0N&#*7_I"YV"%SP9"Y8,A<^D/F8H?,!4/F@B%SZ0^9
MBQTR%PR9#[%*/K&),Y3/WWR1Z?:"UN^G';:VU,[TUX=O^46ZPC8MM1>SP?TT
M-TT80A,,H0F&T`1#:((AM`[C3_*!T+)=>6B9I?9BEIJBO=PT86A/,+0G&-H3
M#.T)AO8ZC#_)!]K+=L.09:F]F*6FR#$W31AR%`PY"H8<!4..0ZR28VP*_0-R
M[/:6UN7889N6VH.OCH>/>FS34GLQ2]>)6V'7W6#Y'86*"Q2:[8;34QWX0;39
M++E`M((A6G&!:+/=P$6]2,T-,YLE%XA6,$0K+A!MMANXJ!>IT7$V2R[0L6#H
M6%R@XVPW<%&/@MMJ-DLNT+%@Z%A<H.-L-W!1CP)I9[/D`FD/L4K:/)O_"6E'
M-_5J28=5JR75&6A>5WJS\I.91WJ/\:?\Y*J/"O*4[\SB5_3J)Z/4&4X6@Q4`
MA"X.$?HV#A%Z<5@"&^]78T+\?7?#7\MN344B(1^VB81\Z,VZY8G1\5'U8YGL
MR#$D(9`=XI#LV,8AV=&952L6^]6MFHS);LL5DJ&31!()2;1-)"11;]8-??>X
MS@%2*L>0ADY*B4-2:AN'I%1G5@U]M]I2(<VR6S_T*O-B_^L?>*ATVVCK#Y4.
MV[A8TS<M*PAD7H]QQ_ANYO5FW:G:8Y-XO4%YV)-XXH_$V\8?B9?]E;!<WF6O
MQ4S$QW-(`B'OM@F$O.O,THJ%3;P<1%(?B2<>2;QM/))XO1GBRC/"J=L7S__[
MZL7S3_T>*'F7O18S&3IY)X&0=]L$0MYU9FGH-O%R$&GH))YX)/&V\4CB]69K
M0S=YE[WZH7=Y]_SKSX^/W]J/WSZ^>O'[XY?/CR>/O_WV]=FGI__\P77=Y1$Q
MP)]]>?SIY0]3?N(VW0]=QI,;=>1D;[^94'Q:F6DP,_:%'740U&HIN.IO>G`(
M=;#:9*HHR@TWD[@:IL.@H@2PHZ)#2JL:ZCA:\7&XH3BY"A?G5RVYMR)7:5U'
M.6HFJVWM"I^"SU;WF)J(BVM;1`3._P3O?/UC`HNP+!%386=B%`QO1J:SW:"Z
M;XCJD,=!4:M>6W'OW&MX]+LHXK=90XXZCOS;:WAX.(X^]YO5Z[KZX]ZY'_Y<
M+/%:W:Q>D+5=O`]'+*X=L>PWJU=2;4?6[D><KAUQCB-.-V?$.8XX'4><XXC3
M<<0YCC@=1YSCB--QQ#F..!W'V8X#8N%4E8XOCJKASW)LCA[0I^7H\Y"Q<YQ%
M^R2-#L.?X^*4$6.W7!P/BEA<.V(Y9.R68YOU,.)T[8@SM,0!1QMG:,ERQ!E:
MLAQQAI8L1YRA)<L19VC)<GQ^W\37[QHE7[LW\;&Y,GQ<WL2WW<KP%743'T0K
MPP?0^'$,WRXW\1FRMN&S8R)P#%\,-_'QK[;A8U]B<PPU*HC-S145)XC-,=2/
M(#;'4`V"V!Q#;0=B<PR5&HC-,53':Z*8F8Z'JGCTYAB*XS51VDS;4".OB0IG
MRE`JKXE"9\I0(H_8'$/=P"9*NVD;R@<V4>%-&:H(-E'H31D*"'+='$,=P2;*
MOFD;R@DV4?U-&2HL-E'H3ID+F*AWIPP%%ILH>Z<,=1:;J'ZG#.46FRB"IPR%
M%E&(8R@_V439/VU#%<JFM<PI3!0!U#84H42]CCF'B9*`VH:2E$U4!E2&@M]-
ME/-6ICTB3RFZK`REJYNH'*T,E:+IS3'M\0Y1KXHE5(]VJADS/XZA$#%7U#'4
M$$8[CJ'\+UGB&"KWHFO'M`=$?6"C/B2V;F^OBGH.L[3,+<R#9=K#$8Q[(Z/D
M?1,%[?6*4L">67`,Y>B;*#:O;2@NS_PXAE+Q312"US:3LP->%\\.W&OAY#RX
M<\_-@IM9KCU@5-T/Y.KJS6`N+#.'N;+,`F9IF5N8.\O<PSQ8YH&P'VS4DTF,
M:.*Y:7!3SYT$=^*Y-KC6<Z?!G5KN%NK6,N]@WEGF#N;.,N]AWEOF'N;>,A]@
M/ECF"N;*,M<PUY99P"PL<P-S8YDES-(R;V'>6B9$Z37Y&N:U;7,!<V&92YA+
MR\QAYI9Y`_/&,I-VGY]9+<NS)@M/@SOUW%EP9YX[#^[<<[/@9I8+R7K%AF"]
M7D.N7JUQ"_%WD+B!^/O'/<'=V]@^P'RPS`/,@V4FDQCKQ'/3X*:>.PGNQ')+
MJ*5EWL*\M<PMS*UEWL&\L\P=S)UEWL.\M\P<9FZ9-S!O+',%<V69:YAKRRQ@
M%I:Y@;FQ3+N_$[)S#]RXVOYB1V[XU(C,\(D1>>'3(K+")T7DA$^)US"O[8`N
M8"XL<PES:9G)=(_%H)9_+-8D^UEP,\NU>T=!N2=UN\=[6?=/EU1/U3G,TC*W
M,`^6(<#C\&3??HB/&$WH!$T,CIG#7%EF`;.TS"W,G67N81XL<SD^:BZ[6A7U
M58"YLLPUS+5E%C#+L;O:BS'7U+9I]W@#W'/R;L<'S5E7I:.*;09S89DYS)5E
M%C!+R[1CKNC8S<*4\4QMU"<P)Y9I8<XL<PYS;ID9S(5E+G>9GZ[B3G4-YC!7
MEKF&N;;,`F9)F1]-HL4N\V/;M&/FIZOO4T70[C(_'([2WF8P%Y:9PUQ99@&S
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M_]?3MV]/OZ_^\^?'C_]^Y'OSG1_9R?WIZ>E;^A_$_/Q_3U]^7>V&O?H_````
M__\#`%!+`P04``8`"````"$`F^'<A)8&``#1(0``&0```'AL+W=O<FMS:&5E
M=',O<VAE970U-RYX;6R<6MN.HS@0?5]I_P'Q/B&&7%N='@U8L[O2KK1:[>69
M)B1!$T($]/3,WV^9<H*KG!@R_="=Q,>5<ZH*'X/[^>.W\NA]S>NFJ$X;7TRF
MOI>?LFI;G/8;_Y^_/W]8^5[3IJ=M>JQ.^<;_GC?^QY>??WI^K^HOS2'/6P\B
MG)J-?VC;\U,0--DA+]-F4IWS$XSLJKI,6WA;[X/F7.?IMIM4'H-P.ET$95J<
M?(SP5(^)4>UV19;+*GLK\U.+0>K\F+;`OSD4Y^82K<S&A"O3^LO;^4-6E6<(
M\5H<B_9[%]3WRNSIM_VIJM/7(^C^)F9I=HG=O;'"ET565TVU:R<0+D"BMN9U
ML`X@TLOSM@`%*NU>G>\V_B?Q)&=3/WAY[A+T;Y&_-\9KKSE4[[_4Q?;WXI1#
MMJ%.J@*O5?5%07_;JH]@<F#-_MQ5X,_:V^:[].W8_E6]_YH7^T,+Y9Z#(B7L
M:?M=YDT&&84PDW"N(F75$0C`;Z\L5&M`1M)OW=_W8ML>-GZTF,R7TT@`W'O-
MF_9SH4+Z7O;6M%7Y'X*$#H5!0AUD!NSU>#@)5W,Q7PQ'"9!1)U"F;?KR7%?O
M'G0-?&=S3E4/BB>(?%&&/*Y:[TD%C2K()Q6EBP4J&JC/UQ<AHO`Y^`I)S30H
M1A!<$SV((I(+0F50Q97&!P$0OK*&7'#6$53U=CTN)-4D2G*YI`1B&\)$)#8B
MBF@0:4/6?10B(_H1&6H2-)"1QE!P'8B!>EY3O:`DDT&$="&("O@:LQCN(BCP
MQH<479E!I[`,Q@B:82.M&//+8!^!:9,N!&$.%]]XY@IL,9]1<C&"D/F<CB67
ML?O$70A"?$&)JZMVN/_5)$L`(QDC:(FI7T[5#Y.!",CQM8(\_RX$D;&D,MR=
MH\"L[T/.'C$.;LD@0KH0A+UR=V/I=+-78"OY+'$Q@G3RK<3CJ$.<="$(]?4C
MU!68)YXO.(AQ<$L&$=*%(.P%+/5FYL>U?S?+*@$7HE&F$EB@^!IT`\5J*9T0
M*D>YG-%((^6@-Q(?B"PU"#+5,)Z)&(1()X1*4=[WN!1T3&8*:[KNQ`)1N+:&
M<[XL78?OKTM."-6AS,_0X;ZV!5HE*<6<Y3G6(&<I,(X#(IU1J`0(8TH8V55J
M%K](9BS7L4#4`EUB&L%6EA8K(8C9>C7K=T!Z9T="K.9K8P]#=2A3'%\*M%"S
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M7QG<>`UHA^32M;80(8*<$@8ATAF%2GC(>M5#*-9"MO5J$%IO-)FR*B5D/)RP
M?;=DPZJ#C)\>364\Y,/A#1\6,V[$&N4LQ;`1.Z-0#0\9<7C#B.UN&G391,=Q
MJ)1.")7PD!&'MA'?Z"8$83?-)TNKF]SC4G\)SE],>INGQ)D9#ZQ&:)YL->I=
M1J]&@Q:;A(,0Z800#>KID+D:C=M0=+/8K3]WVUB#'$V2#$.D$T*E_)`S1[><
M.>K]!\NB4??N,:_#=SU$.B%4AS+3T081H?6RMNI7/,T?4<Y:#$*D_J[;4:@&
M9M0CVPJMF)B=W58(NDVB4YM$@Q#IA%`I\$UF.49*4;.L?9/55HC"!WOVHXL(
MA^'WO:V)=$*HCH=,.[)-6PC^;"76*`?!9!@BG1"JX2''CM!H:3LQ*X@UR"EA
MV+"=4:B$APP[0B^F5[?UW$*C3`U0+'9SE-Q`L=V+=$*HC(=,.[)-&PCRVQ^-
M,F4P@LDP1#HA5,-#_AVA[0YTTZ`W)SJ.0Z5T0H@$.-PFBY-["]*A^:)D=9-&
MF02A6.R6+;F!8L52)^]J#30#]1"4@2?K>/!<YO4^3_+CL?&RZDV=F@MX$'?]
M%$_T8SC1[XZ_@^L`'*B?TWW^1UKOBU/C'?,=3)W"IL_W:CR2QS=M=>Y.>5^K
M%H[2NY<'^->)',Z3IQ,`[ZJJO;Q1A_[7?\9X^1\``/__`P!02P,$%``&``@`
M```A``K6;DQ4$```34X``!D```!X;"]W;W)K<VAE971S+W-H965T-38N>&UL
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M*%XO[M??;G\\[JOMSVB]^?ZPIW#WZ(K,A8WO_YJN=W?4HR1S&?:,TMWVD4Z`
M_KUXVIC4H!ZY_?.Z%9+CS?W^X;K5Z5_V!NU.0.877]>[_7QC)%L7=S]V^^W3
M_UFCP$E9D:X3H?^=",F]L2UYJ4^`_G=M^Y?=L#<8ON<$*)MK$?K_W2<P<FWI
M_X^?0$"!J\_`_/#N4PBHNVQK#L/;>S#HH#7]\`N7@"@&'PECT,=)T`_O[X`!
M6M,/OW`)R(/@'8EP92NB+K#I[?[V\Z?7[<\+&K4HYW<OMV8,#,9&$*5E"^%0
M;']7:U1D1N6+D;EN47LJHQT-$']\#H).^]/5'U35=\[HYHB1;S&!A2EAHSN5
M8";!7(*%!)$$L01+"1()4@DR"582Y!(4$I025`UP1?$Y!(G*Y/\C2$;&!`F]
M>P/`40M%0&"!)E,)9A+,)5A($$D02["4()$@E2"38"5!+D$A02E!U0!>0&@,
M4@'IT*!X?$)"D9A6-/4TBZ0=]OP>O[%&?1HB#J74]TTF!Y-#5!29*3)79*%(
MI$BLR%*11)%4D4R1E2*Y(H4BI2)5DWA!HA%>!<FL&MXYM!F9ZU9?C&V!'Y,;
M9W4J;`>30]@4F2DR5V2A2*1(K,A2D4215)%,D94BN2*%(J4B59-X8:,(>6$[
M75/&NHX..O7&DBX/<Q-%IDWB.:=YW7-NI\/+`378/VSN?K_9VG7BD9/JT+1G
M)T,CXI^3)91\.,N)(]T#F5K2I17:H?"#=CCT\VQVL(+27)&%(I$BL2)+11)%
M4D4R15:*Y(H4BI2*5$WBQ8AJ[-=C9$3\&%EB!HA#_X>]D=_]$V?4")LE/1K\
M#\TH;*+=[&!U")LB"Z4='6R:VG)9%1^LH+U4)%':J2.C;KU:ZP;#4"S7,K:`
M\$JC7"D7;&36@=U@('NC9`LH5Q[RPDT#KQ?N(Z5'=W&H/6/MQ]62,W%U1HVX
M6M*C)5DCKATQ[,\.5KB0N2(+12)%8D66BB2*I(IDBJP4R14I%"D5J9K$BP\-
M6.^(C['VXV-)EY9:S8Z6"U%K%0QXO+2DUVP7]D6SF3,R8S/=DK3#=L<OZ+DU
M".O]AWKT7BA/T5L\Q9ZGT3`0F;)4CA+E*'V+H\QWU`\'_A6ME*-<.2K>XJCT
M'0W:HF^KIB,O(\SV@)<2'YI%:Q4_51SJT=KAD"NC4=?O@`FL>+:=`O4/Z3,#
M&MC4Z+?%0GP.`UY(+(!8.0)BY1@(RBH58,#*"1`KIT"LG`%!N2WN#%8P8.4<
MB)4+(%8N@:#<%Y-!!8-:V8^VN6MM;B&<'J`#>Y-+ZVD,F3<.>4/`J",J=>*L
MFD,`$&O-'.K9BA_V1F(!-7<&S8J'#`\N$1`KQT*9MH#]O%MJY00RK)P"L7(F
ME-NA&#M66CF'#"L70*Q<2N6NK&%/V0^KN?=MAO5C16SOH+UH6^05<=#6X79F
MG+=3LX-(DT>/\W8&9//VMZ`MHS*'!??*`HBE(R"6CAT:T#!W&&S"CEC8+=&0
MY1,@ED^!6#YC^7IJZHEL6J$)"^=`+%P`L7#I"_\62N4*;6IE/^;F7EK&/.R;
M3?4S6QMF>U;,ZPYY54UQ5J.U;>F5M4-\Z3,GYLIZ=*2L;1NOK)5RY&1HHQ.#
M3^PKTRI8!&+I#!K*"62X^%(@5LY\Y<%PH,I:G7,.&58N@%BY])6'X4B5=5/9
M#[&Y[VZ&^,QH[6[3V?F-V3FG4(?-E?&H(V;/":S"0T]/@3A79T#V)J0S[(O%
MS!P&G/(+(%:.@%@Y!G+*HZ&8*I<P8.4$B)53(%;.@-R-4WL@+GT%`U;.@5BY
M`&+E$@B]$8ASKF!0*_MA-3L:S;!^;+0V*F+)95%(R__#*#CJB!.;F+LKDQ.C
M1K0MHEU1E-K,60T"MQH?=(7.W%ETN)\66CJ"%4O'4KH;B.7#$HU8.M'2*:Q8
M.E/2<A)=H1%+YUJZ@!5+EU*Z'ZI"=KU82_L1-_LCS8B?*62[G>)-Q!9YA4P#
MM$CGB7GH96++5S<%XMR=`=G<#0>!F"CG,."J6`"Q<@3$RC&050X&`Q59=X*L
MG*`-*Z=`K)P!.>5>6\Q-*QBP<@[$R@40*Y=`3KDK1Y\*!D<JV>R$-./ZL4JV
M^RE>N"WR*ID>/_N+V`G-PZJ2+?(JV2%;R<.!6F2[X]Q+"RT<.=00CH&L<*\K
MYH,ECK-PHH536'&I94!6N"N7(2L<9^%<"Q>P8N$2",)B^5#A>"WL5[#94OGU
M2-N-&2_2%G5H[#B,V>II[,0\[:6Z[G#:3H$H>H>&>D\%5D,[C`^[8ETSAP'/
M!@L@=A8!G706P\HY"T,Q92QAP,X2(':6`IUTEL'*.6L/1#!7,&!G.1`[*X!.
M.BMA!6<]<645#&IG?N:8K9=3F?/O[4O]:/_,G&!W<+S4L4@NVL6I30)K1KF-
MR7WJT)G].&?5M?=K[4N5.E:XL=A>:%_1FWS%TI?<+5DZ@X:S1#M+W^0L4\[$
MP+K2SG+MK'B3L_*<L\ISYJ4.7:R?.J=3I#;W5X0.R66#&*DG,.,!=0K$I3)S
MJ&LGRO9E6RX;T(:GX`40*T=`K!PK99'#2[1AY02(E5,@5LZ4L@PUVK!R#L3*
M!1`KE^>4*[31RP83#F](.!-7O0M7*URW9.F+J7WBS)JE#\0WB3.(H<[;LM"=
M`5T01I`%9'A0B8!8.3ZGO-3*"618.05BY>R<\DHKYY!AY0*(E4NA["^Y*D_6
M+U:SX=4<Y\\$U>Z/-<=S6K6;29XV#-#-$Z#&LRZ'&L_,9QK--5IHK4A;Q1HM
M-4JT5JJM,HU6&N5:J]!6I4:5A_Q8F"V59BP^M"X/[<:,%R*+Z%Z00^10,T06
MB=<#Y';DS.F3&<3F&BTTBC2*-5IJE&B4:I1IM-(HUZC0J-2H\I`?-KG?];&P
MZ6VPT")S"\]K9?6^`*R:D;0-S[TQX%J2&4?RT!)HH?4C;L@G1K?U8BD;LQG$
MEAHE6C\%.O'F0,,$XJLC+`?CWBF`#NKZ[8&&"=0KG_D98+90FH5[9A"U.RY>
MA5IT+M3.BB]F:O;-:?0]]Q(!F^%ZYAHM-(HTBC5::I1HE&J4:;32*->HT*C4
MJ/*0'S*SH_..D-D-("]D%LG%C-A>FX36S%O,.$1WQUS7ZKT"UW!@US<CO0/B
M#+SUC7(6P?])9['OC)YQR6)>:F\)I'EED@*=]);YWD;#H5K>VNMH7%H.9796
M`)UT5OK.@G80BCVXREE8;WZ6T/VUER4?&]J-BKC#L<A[0JE?,PB=%<_;4R!>
MTL^`1G:S9#`2MR%S&/!R<0'$RA$0*\=`3GDX%"OU)0Q8.0%BY12(E3,@ISSJ
MBYBL8,#*.1`K%T"L7`)9Y;#=%[U1P:!6]J--B>1%^\PP;LQ%6"WRQ@3]FH'9
M'S4K9D[E*1!?[LPA5__#]E",+'-GT"B2!618.0)BY5@H!_)IPU(K)Y!AY12(
ME3-?>3!2KQEHY1PRK%P`L7+I*P_;/9&*E:?LA]5L^#2'^H\5L=TV\F8`B[PB
M/O*:`3VRJJ=HSMLI$.?MS"$:G^HR[LEGZG.TX4Y9`+%R!,3*<4.9YYO.4%3<
M$BTI.7E6&HHU70(K=ID"L<OLJ,N@W15J*S0]Z3.'%?LL@-AG^7<^Q;9`A:9_
MY]/+'?,7%RIWWO2Z0MW2'QT<\D:'(Z\K.+/F\`#$L9\YY(:'0:\CAP=GT!P>
M(,.E%@&Q<NPK#SMJ>-#*"618.05BY4PH=]7PH)5SR+!R`<3*I5#N#\43O,I3
M]D/\OFVMCM[6<LALLAPJ1[^N`"O>GYL"<1;/@.RJKS,<BDW/.0RX&!9`K!P!
ML7(,Y)3[7;$/NH0!*R=`K)P"L7(&Y)0'\D6K%0Q8.0=BY0*(E4L@G/-`#%H5
M#&IE/ZQR8^M#HSZ])B#G>(?,?-.(MEAE3&#%NR13AR@3<0\V`W(/<=L=^>1Y
M#@ONIX66CF#%TC$0I-LRDY:P8.E$2Z>P8ND,Z"`MWZE9P8*E<RU=P(JE2R!(
M!X&*N(T(&5(O^A$W^U?->?[T\JUCM[N:$[I#7B$?>5T!9GQU4R#.W1F0S5V:
M_$2*S&'`5;$`8N4(B)5C(*<\DB\5+&'`R@D0*Z=`K)P!6>50Y<P*!JR<`[%R
M`<3*)9!3#KMJ@+;AH#MV%5>S)]6,Z\<JV>YL>>&VR*MD_;I"QUDU*]DBKY(=
MLB\%=^0+V7.G8M/6_A6`%HY@Q141`UGAWDC,!TL<Y^Y/M'`**Q;.@*QPOR?O
MP7&<A7,M7,"*A4L@)RS?W*APO!;V*]AL9OUZI.V6F!=IB\Z\KF`.TWU9\W4%
MA[K-O[W2KRLXJX%]SCZ0[S?-(<PIM`#B$HG>Y"N&E;U-H'<N5$*XJV!GB7:6
M0N;DA66P<LZZ<I&Y@C([RX'XR@K(G'16PLHYZ_5%1E90KIWYB6/VBTXESMO>
M5J#(J]G>(KEF%V/YQ+7TUNRVI7G%XK!..)(ZSLIN5]#3:3'?S9VRMXQW;7A)
M','_26<QK`[.1`\OM;,$;=A9"G3260:K@S/19ROM+$<;=E8`G716PNKOG%6>
M,S]WY![?F66#WLSK6"27#:(P)S#C`74*Q+4R<ZAK_M[PC\_'$L)YXREX`1E6
MCH!8.5;**OI*.8$,*Z=`K)PI915JI9Q#AI4+(%8NSRE7:'-DV4`9XXT)9^)J
MS,7]ND6R]L7.TX0^2V1:>K7O$-^ASF#E,M1_0#]W1[TJ5[(1-%@V!CHJN]2R
M"1IPB:5`+)L!'95=:=D<#5BV`&+9$NBHK/F^D^E(VPFV1NWWFNSG9)[6K]_7
MD_7CX^[B;OO#?(N)GLE^_G3`]D-1-]UQ53\?$WP:=L=S>H9'JTMQA!YGCLV#
M27V$'D2.S5-%?80>(H[-$T%]A)[(T9$Z'84?^H35ESK;!;^A3UO5WX&2/"2A
M(QYN.O0IK"/\2W?\A;KPR"D-Q]51'H;4)<=<T"L6U"7'CM`+$]0EQX[0ZP]T
MOL>.3$,Z8XJ5/K.;WI@^E*#YM#^NZE%`=,ET,)[7&29X-!C37Z1KG70PIC\H
MU[P8C*N:7QV$Z&->+[??U]GMZ_?-\^[B<?V-$JQ=?Y;AU7X.S/ZR=^\]?MWN
MZ3->]2N0#_39MC5]2JA]24NO;]OM'K^0XZO#A^`^_T\`````__\#`%!+`P04
M``8`"````"$`-4QJ6&<7```2<@``&0```'AL+W=O<FMS:&5E=',O<VAE970U
M-2YX;6RLG5US&[F.AN^W:O^#R_<3J_4M5Y)3<7]_UM;6V=UKCZ,DKHFCE.V9
M.>??+]C$*Y"`+,F>N1E/'H$OU2!(`NR6]/X?_WKX?O'']O'I?O?CPV7R;G)Y
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M`N?VB\?MEP^7GY+K836[O/KX?G30_]YO_WP*_O_BZ=ONS_+Q_G-W_V-+WJ9Q
M<B/PZV[WFS.M/SM$C:],ZV(<@?]ZO/B\_7+[^_?G_][]66WOOWY[IN%>T!6Y
M"[O^_.]L^W1''B69=].%4[K;?:<W0/^]>+AWH4$>N?W7A\LI=7S_^?G;A\O9
M\MUB-9DE9'[QZ_;IN;AWDI<7=[\_/>\>_L\;)2SE1>8L0G]9A.3.;$N]C&^`
M_G+;U;OY=+%:O^8-4#2/(O2719)WZ\5BOEROSK^*#8O07Q9YO2<2&L#QG;C_
M>;4O$G*;;RW#\88+26:0H?_A-[%XO5,3#*O[GW.OY<K'UQBNV>WS[<?WC[L_
M+V@-H`AZ^GGK5I3DV@DB4'U8[4/WI<BED'4JGYS,ATL:9PK*)YIN?WQ,DNGR
M_=4?-$?NV.CF@%%LD<+"30BGFVF0:U!H4&I0:5!KT&C0:M!IT&LP!."*?+MW
M,(7,W^%@)^,<#,_<`(C'I\J9L$"33(-<@T*#4H-*@UJ#1H-6@TZ#7H,A`)$S
M:>(89\YH2A]>5A&<KA4MH$%P;E8Z-KW-<A48*9-T;[)WJ"&Y(84AI2&5(;4A
MC2&M(9TAO2%#2"+?TN0WOG5;UBM7`B?SX7*IEH)5')LW;'7,W7N3O;L-R0TI
M#"D-J0RI#6D,:0WI#.D-&4(2N9L\&[G[>`@[Z]&K<,8-$]H5]TON9K6)W9SN
MC=`L,R0WI#"D-*0RI#:D,:0UI#.D-V0(2>3#Y:M\Z*QC'WI"^S+<DS*9[TGF
MR5Q6WMR0PI#2Z%3&IC:D"4ETH31/HF#QN_0[ET4]?[N_^^UFYY/!`T$TH]W8
M[]%.)+Y^3VB2[Z^?27#]GLS#.)OJU3/?&T&H,*0TI#*D-J0)2>026F#^NDN<
M2.P23]RZMY]6TX6>5FP4>,F3Q61,?::39!9/Q'S_^MY!AI1&M=K;N(2*5-4.
M7^]?AVH3DLA=-'Z1NPY$"E46"!5G'?O%DQ-^8:/`+YXL*#D2=Z[49I#OC7`9
MA2&E(94AM2%-2")WN#K@%?X8S6.',)I3JK*_M-D\'O:4C9+5?H9E0,&"`D3O
M=B]E@JY@J^E8>(XSND1#D:^`1+X&.BK?1/*QKUQJ&]8(QV,G\9DP90`8SAM&
MTS`,-NN)=I9O.)WN&V9H2$F+>&:IID'.5O.Y+SPF2KB`BJQS)9#T50'1(OQR
M7S7Z<G.%BAS=5P.5L:_8C2ZI#=WH%O'ITM7_)_)75W^JZ<@HCCXUKU(VBJ+/
M2R4R.#E;+=Q&\<?'Y6*9Q.-2L$$4>"P3!IY1KKGA:N65)^M%K-Q$RK&S7)H:
M.NM$S'%6*Y=UXZIM<IJ*.75M*:PD#C*@Y3X,<R`.L&0S43M"`8LPQ/@-B'0%
M*Y&N@;R/DLE"KR$-+`Y$E$LN7^$DSD5#)WD4A=%FK>97ZLX%R)51'#$2K9RM
M.(XVF^G"S$/?*`HD(UVA-Y&N&7$@;3;)5(UCPQ9>.HXDESV&3CI_VKF6:M'W
M2`65VNQ3MTNZT).1SX!DY',@'U2+F;ZF`@9A3!GE"E:B7`/YF%I,$K4P-#`X
M$%(N!7V;MWSR&BW[G,_2RK!?43=KLT=ZJRBZ&$D(Y`EK^6N:3I5*P:]'L66$
M*[8*EK\::#,N4M.Y"MHF$HXCR^6FVE?)XI59.5VWB3*/%C0W]GY;Z-,(;K>0
MZ,B`)!1R(.^V^6RAYG8!`W%U"23*%9`HUT#LMY5.>1L8C,JQXUR6^M<=YW/=
M*.`847(GCE/!G]+@CP[W9^7^E)%1&*A3FV:PE=\HD^EJI2=6`6W)@$L@Z:X"
MHLF\?YNFNYJMDLG4IQK3V3HQP<EO:>PO]K%+?8_Y^)^[G^/I[XF-U6?0D9,]
MBM;`Q3K>V=.$C<(ED)'$4,Y6\\@1NMHJH"7Q6`*)?`4D\O59\@T:VL60%A/K
MP[,RMK%EO'4PBK;:I=XYV(BF#G+GC-'B>&S"BF-S9G*M@BWH#Z1+1D%O%1#%
MU9'09"O>CQ/;6\,6](=ZBP+3Q<W1P#SK+&-440[VY4.T:BY5QIERNW#5!)+`
MR8$X*9M-E4P!@V#5!)(HK8!$N6:43!*_W2S4ZM2@C5TU*9WX.QSG5)3C/)J&
M8[[4V\W8.^4TFWWX9(SH_!T1E3-:^:M+YG.]8A5H)#.WM-(5K$2Z!N(<?#:;
MJZVL@<4H'<?<ZZJ)J:TF&+G1V<^+I1J[%$9R;1F0A$#.Z,2BAX823B60R%=`
M(E^?)=^@X8%%SV7DQS:.\^:GS^O#?6/J411F&UT2IK`*X\PWC.+,(\19,IM-
MU&`4+#03;Y56NX)5&&C<'8J]"=VNCG>W!JT.1)I+T+7WII3/G7],Z\X#]`SU
M:!;NDRNU)J7<;B:QD`&Y_G%?UB0:.:S6G&<<R&M@(J-2`DEW%:-YF'Z9[FI8
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MY&GWF,5?]_2H$@<P(W<F)9N4+@)36`4QS>CEFVYBL/>[1:55KL3JA1MO8@#E
MQJ+6*G=BQ<KJ(+,7`R@/$8K'1-=2QQ?DF:^0PJ2,T2GG^X9AY'/#$W?VQ`I7
M4UA46E195%O46-1:U%G46S1$*/:R+KQ.>-E66)2$NO4EJOTW:Y6QIFP5E.,9
MD-29.1"M/"]/EX*M?/WM;Q:BH20J%9#(UT!'Y1LKWZ*AR'=`(M\#'94?(OEX
M+%Y7R<UL)<<HJN0V:[5DI["2ZB$#(DEQO#DDA)6O'J:SA4K3"QC(QE("26<5
M$&62+W=6PXH/Q4UG#0RDLQ9(.NN`CG;6PPJ=3=4]L`$&MJ:<N9(JW*5/S"!?
M@47KE$=J!JEWD([]Q#>J@"0&<T9\HVJQT/=P"S:()H_O/YB;E56N&?&YV'JB
ME1NKW$(FG#?<F;SG/E:F6VOJ)'B(E.,IXXK'5SC?UYJ1\SV*I\Q&O8/45:>T
MR-$I#-;Z#$AJQ)P1WZM?ZBJV0!.)V!)(A"L@$:XA[&_,K_3!4X,F(MP"B7`'
M),)]++R<JNL>T.1`V+LZ,/3\FY)3*NAU<LK(I<7[U8'NBL:G%"FL).W,&%%&
M@3'*@?A`<JZ.I`N\+DXJK7`%*Q&N@?R1]&RBJKP&KXMP:X4[6(EP#^2%YXE:
M80>\/@K'4T$7L&\;$%O7SCR*SI[I#K@>$+:2$,S04.(M!_+K['JU,B/",K(\
ME&@CRA60*-=`_I9=DLQ6*F0:6(AT"R32'9!(]T!>>K%>JONS`PQ&Y7A07+4:
MSI(3FX,O;J/UR:-X<]@HMZ4S;Q4LX1F07&X.=#1!*=@JVB&,?`4MD:^!CLHW
M5KY%PW";X!Y%OH?54?DADH_'@AJ^9BR<N:KF/%)[A8J&=,96,O<S(`FJ'`@G
ML>8)"1A(;)9`HEP!B7(-Q#=X[/,D,!#E%DB4.R!1[H%>4AY@,"I'SG?GIJ]P
M_F@>.Y]1-!&21#N?K<*)`"2AE#/B+(DR#K6:%6P0S@'(2)!60*)<,^(L:3HS
MQ^M6N86,*'=`HMQKY8VZ]"%2CIVO2^DW;0US6V$SBK:&9*J<F<)*XBT#DN#*
M@3BXEA-5MA0P$)^40*)<`8ER#<1;PT(_`];`0)1;(%'N@$2Y!V+EN7[Z=X#!
MJ!R/B2Z\WS8FMAYW$\2EJK2`!OF3RB-26`7Y$Z,P?V+$MZ(6TYG:4PNTD76C
MM,H5K"3/J8'\\K>8F-T:!J+<6N4.5J+<`WGEN<E4!AB,RO&8Z`+<C8E;TX[O
MVG-;B#-2.X7*$E-8R35F0!)D.9"_H-E"WQLN8""Q6@*)<@4DRC60GW++F2Z\
M&AB(<@LDRAV0*/>,Z#ZP.PI<K]22,*#)*!R/@:L/S\^8J-;2NS0C-\S!!-`'
M4FP5;12F-,VAY3VTWJAI5/#KT3[!*K*:5^A+UI<:R*\<ZT15^XT5;M%$A#L@
M$>Z!O/#*Y*J1<.QY74N[Z'=W=\Z_O>ON^ZN<B5&T16PV:FU/826!E@%)5.6,
M5GQM^K'!`DW$'260"%=`(EPS<D^NA#%C!L5?WB)<6J?Z4?\6^M)E!R1=]D#^
M6N:;B5I:!Q@<V#K^EM)[;DMOH/`.IOFD<PHK>>@O`PJGG+DYGL/*U[:+1%<Q
M!0SD/D@)))U50#08^_EM.JO9"D\8+B8S,YKL`.FMA;3TU@$=[:U7O2T7,[7>
M#-`9>XOGG2MYPQ5OS`3H>P!XYN&N_RNFH2^BPS)R[I$[S]D[+9FIY2R%E<1I
M!N36@9<?LX"5?\QBOMRHRR]@(/E&"22=58Q<)OMR9S6L_*G.;*9/K1HH2V<M
MD'360>9H9SVL?&=T8*'":(#RV%D\L*Z&-0,;/$.-D3V17OA2F$93G$+/<ZCW
M<4.WO\>U-QPHDW#L;7!$EDDSH-RBPJ+2HLJBVJ+&HM:BSJ+>HB%"L?-=%1XZ
M_X23?=$>31F/HN<YZ#-1ZH@T=??':<\+GM[(+,HM*BPJ+:HLJBUJ+&HMZBSJ
M+1HB%/F4[D:_QJ>C>5S$,PH?Z`"293AC1(.[CTF+"HM*JU59J]JBQJ+6:G76
MJK=HB%#LO[^E#G>WI562Q2A\H`,H=*MOZ,9WO[K:!SJX(5G!^85%I4651;5%
MC46M19U%O45#A&)/NR(XG/UOJJ[=<^G:TQZ=>*:`&X;/%#"BX."'(]01;BX&
MXG??&;4!*JUR)0U?>*!##"#36-1:Y4ZL7GB@0PR@/$0H'A-=71]?D>EPSCC?
MHU/.9ZLP\CUR\;*/?/J(2WP+(^<>R0I74UA46E195%O46-1:U%G46S1$*/;R
MZ^IG5Y?I$/<HJI\3?8Z9<L.P?@8*EVTNAL,EQW[ZFQN&532TI-BM@$2^!CHJ
MWUCY%@U%O@,2^1[HJ/P0R<=C0=EVM`J=B'AGKO9+CZ)S)/I(2ARX*7WBPS4,
M[TX#4>!+Q)L'.F#%IW"V(H.!U+(ED!P`54!44+W<60TK?Y9RH""#@736`DEG
M'=#1SGI8\=&6K<=@,'86CYJK"_7><=8GHQ9<44H(W3"*)]-$%_LIFT6SR8O1
M)^6P&N6P.AJ/!5M%LXFU)-PK:(E\#714OK'R+1J*?`<D\CW04?DADH_'Q96P
M;QL77_R&R?W"HVABV6,I6$GX94!22.:,Z&3-;9._K,RY%-I(8)=`HEP!B7(-
MY*-X.M%G30T,1+D%$N4.2)1[1NZ0:3]EJ;C1Y[1H&9J%)U[Q`+GJ,AR@$\L=
M%Z,2(C?N9(T6LGBVZ(M.V2J:++YA-%E8BX]NU945+!+-$A:1,*[0E;S'&L@?
MW.GGH1NKVZ*%Z'9`HML#>5WSX$>D&[N=)E3D]K?ENDY%;3X>N?TMC!&5N*8+
M-I,8S(`DX')&?';[RRI11\`%VHA+2B!1KH!$N684']Y2+*O[HPV:TBCO+R>,
MY?%)TA96TF<')'WV+_6I#M0&-'VISV@@E[J\?OT!_"@1CR*CZ'X@>4<?#<%,
MRKZ,47A#D!'?$)RM]496H(VL/J55KF`EA4T-Y!?1I4DX&QB(<FN5.UB)<@_D
ME9.9_OCG`(-1.1X17;`?7]&6MC)G%.TSB?F:"%C)M65`$G0YHVC-MLDT&DH`
MET`B7P&)?'V6?(.&(M\"B7P')/+]6?(#&H[R\5@<*NG/2LN6MHQG%&\T$_TY
MRY3-PIT&2):IG!'59./^/UOK#WX6;!%N-M"13:$"$ND:B);8_9I%DU>MG8WH
MBYE=VB`F779`TF4/I+I4Q\W#J2[CL7/U=Y@9O&%E\R5\F,,MN:J/]R?]<&P*
M,XG8#$C",P?B5&NA%\@"!N*J$DB4*R!1KH'\QD[#HES9P$"46R!1[H!$N0?R
MRHN-?C)@@,&H'(^(*\S_XHCXVCX:$8_47I.H6YOIDLW"O<:C:*_QB/>:7^B)
M3N6X@G7H$Q4HD4HK7<%*MH0:R,_8U4PEAPU>%^'6"G>P$N$>R.\UT[6^Q3G`
M8%2.1\05\>&(G-AK?,T?>=^C:*^A+U94AP5+MI)KRX`DM')&I_8:UI(P+:$E
M\A60R-=GR3=H*/(MD,AW0"+?GR4_H.$H'X^%/@(X,1:V[E]Z%&TP4SWS4[:*
M]A<NU64QR-D*^TN2Z(>E"K:(]A?6D<6^0F\B70/%B[W^+LY&](_N+Z;+#OK2
M90^DNE15Q7"JRWB\]-'`B?&RYP'NR['=$5IT0JSWV116$GT9D$1?SL@]:;/?
MM*?ZOG&!AA+<)9#(5T`B7T.>YM[+\@T:BGP+)/(=D,CWA^2IME+5U("6T;L(
M2O5X?%QE_8JUS1?BT=KF432?Z%VI>BNE)FX8HPG%2$(P9RNZ<S\F;&9>%FP0
MS2>C7*$S4:Z!5'"K8JL1_6`(`^?Y4A1B,H4[(.FR!U)=JIL;PZDNX_$BL6B\
MWG2DL'0JJACU2!TIZ+.`E%O2&2TV]@Q((C5GA".%A2[L"K01;Y5`HEP!B7+-
M*#Y2,%.X04O1;X%$OP,2_?X\_0$M1_UH@-Q#"6:`7O>LWB@1CPXCG;ZIM"N%
M69"^,0K3-T;[]&TS5[.@0"-9CTHK7<%*LJP:*+RY00]ZJ=LB#<RH_).%TLPR
MVV6'AM)E#Z2Z5,G5`+.7NHP'49\NC%71.5^:2T[5,XM1M(&13U1FF\),?)X!
M27SFC/A$>ZZ_$KU`$XGR$DB$*R`1KH'\RILL]2>(&QB(<@LDRAV0*/=`K+S2
MCY@.,!B5XW$X>+)`"<'Y3]RM[!$#HV@R375FE<(JG$M>*YI+'M$EN`UKF9@#
M!I8)*R&K7,%*XKH&\@7+?*'O+38P$.^W5KF#E2CW0%P*F2)K@,&H'`^(*^S#
M=.'UQP7T^U=FAG@4/0(YU=_LF7)#^ISE?NL!<A'Q\B.0L/*/0"Z7YJNF82!#
M70))9Q6C$X]`PNJE@&B@+)VU0-)9!YGCCT#"RG=F8\3]V)AS-GU2@GSF1]+_
M>)C_-::'[>/7;;K]_OWIXF[WN_MA,!J#C^_WV/]JV<UT=>V^3(@DU"N?YNOK
M3]2'?84>>KQVSP`>>F5#KXQO2*EEB]FU>W["MJ'?3?LT!J-J<4._IS8^$Z+Y
ME-[P`9T;ZN"@_ISTQ^5'"\WIO1X26M`[/<`_39?7GRA[M9=`W^I%[VD<8=5'
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M_/C_`@```/__`P!02P,$%``&``@````A`(_&?7V;%@``'VD``!D```!X;"]W
M;W)K<VAE971S+W-H965T-30N>&ULK)U;4^0X$H7?-V+_`\'[0KFNE*.[-X:Z
MW^_7-X:N[B8&J`Y@;O]^CTHZ3DNI@69VYF$:ODP=I^R49$N6^?#?/Q[NSWX[
M/#W?'1\_GB<7A?.SP^/M\?/=X]>/YZME^S]7YV?/+S>/GV_NCX^'C^=_'I[/
M__OIW__Z\/OQZ9?G;X?#RQD4'I\_GG][>?F>7EX^WWX[/-P\7QR_'QYA^7)\
M>KAYP:]/7R^?OS\=;CZ?"CW<7Q8+A>KEP\W=X[E52)]^1./XY<O=[:%YO/WU
MX?#X8D6>#O<W+XC_^=O=]V>J/=S^B-S#S=,OOW[_S^WQX3LD?KZ[OWOY\R1Z
M?O9PF_:^/AZ?;GZ^1[W_2,HWM]0^_:+D'^YNGX[/QR\O%Y"[M('J.M<OZY=0
M^O3A\QUJ8$[[V=/AR\?SGY)T7RJ?7W[Z<#I!Z[O#[\^YG\^>OQU_[SS=?1[>
M/1YPMG&=S!7X^7C\Q;CV/AN$PI>J=/MT!:9/9Y\/7VY^O7^9'W_O'NZ^?GO!
MY:Z@1J9BZ><_FX?G6YQ1R%P4*T;I]GB/`/#_LX<[DQHX(S=_?#POXL!WGU^^
M?3POE2_*Q4KM*H'_V<^'YY?VG=$\/[O]]?GE^+"Q7HG3LBIEIX)_G0KT?K`L
MCG**`/^ZLK7W!U!W(O@W$ZG4"J7W5"+!R3]%8GYP*J4?KD:"&MO2<BI__"0D
M.)`MC1_<L:OO/PU)C3+X(9-Y]XE`YV"#P0_O/A%%GD;S@RM=O*@EA7JIAFO\
M2A85LV3$#ZXD+NAK)7C2BY)YR0\>C'EGTMP=+"E<9.?JM:-6W?DIX@=7M'R1
ME`M5HZ4+7MHV=VK"S9N7FT\?GHZ_GZ%?1#6?O]^87C9)C18;KY7(FO-?M68T
M8Z/RDY'Y>(YKA7;ZC"[HMT])4BQ_N/P-_<:M<[J../D>#7J83L+H-D/0"D$[
M!)T0=$/0"T$_!(,0#$,P"L$X!),03$,P"\$\!(L0+$.P"L$Z!)L0;$.P"\$^
M!RZ1)UFR(-7_B60Q,B99>)6O"21[BD%BT(-%FB%HA:`=@DX(NB'HA:`?@D$(
MAB$8A6`<@DD(IB&8A6`>@D4(EB%8A6`=@DT(MB'8A6"?`UYB8,3X)Q+#R&#T
MS_4B]4K-SX1KZU/%X))U-57?I9&Y9-FB2$N1MB(=1;J*]!3I*S)09*C(2)&Q
M(A-%IHK,%)DKLE!DJ<A*D;4B&T6VBNP4V>>)ET08/_^))#(R'\^KP5A4\7/D
MVGF]ED:92Y9&BK04:2O24:2K2$^1OB(#18:*C!09*S)19*K(3)&Y(@M%EHJL
M%%DKLE%DJ\A.D7V>>&F$^Q\OC>*/(;QQ,=ZG;.%%OK:D+,-30Y%FGG@'QQV4
M=W![.W5A[CI?OMW=_G)]M`\RD:!*N&VR-U-&Q(_)$CQ4,<J&(Z?'.GNK9$D9
M=ZM9QUBO)G[:MS(G"K45Z2C25:2G2%^1@2)#14:*C!69*#)59*;(7)&%(DM%
M5HJL%=DHLE5DI\@^3[R401?DI4PD-7!/S]PPWGYN6%+#T)Q=]V*E[E_WAG,J
M90G4=`3-*"M6KP:W7:W,*4L713J*=!7I*=)79."(Y/@P\\F'6/)K-LJ<&.)8
MD8DB4T5FBLP563@B(2XSGWR(P5BSRIP8XEJ1C2);17:*[//$2RJ,?EY2_:U^
MR(CXN68)<HTU:3B22RQ+T`_1IZ5(6Y&.(EU%>HKT%1E84I-XAIE/_A(%CZ:C
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MY__SJ]&GAAQI0"1'&F:RK]9LQ)*V9M5:L1PTHS$]Y'`3(CG<E$@J-G-(*E8(
M+LB<A41Z0232RTSGU9JL6-+6Y*I<".^\U_20PVV(Y'!;(JG)SB&I2?`LMV>9
MD[*?VV:>[AVY;:?UO-RV*,CM(/T:9L$)P[V7VQ:9W&9#:=%-[IO;1')6.D1R
M5KI$<E9Z#IFS0OT^W41L0"1BPZRD1#:BFT0V)A*Q"9&(38DDLIE#^<CF=!.Q
M!9&(+;.2$MF*;A+9FDC$-D0BMB62R'8.Y2/;T^TDYB>/F:![1_*X^;Q\QVA1
M&8^\TC'6"GZ/TC#KC4@>K!?R0C:)1*OE4,7,CJ`3+)0*A2`+V\X%:WT4ZE!(
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M.X<8<M`L]RQQTO63T4SZOB,9[1RQ-ZA:Y"=C>$_7,$\FX:#JD%2C12\9']I$
M<DHZ1')*ND2BU7/(G!+VH'VZ"1H0B=B02,1&1!+8F$BT)D2B-242K9E#^<#F
M=!.Q!9&(+8E$;$4D@:V)1&M#)%I;(M':.90/;$^WDYB?.6;N]QV98Z>*O<QQ
ML\=OC*C6RQM1'9(NL958Y#KZ>K&:!-UAVWGD.OJ.0SGI+I%(]QQB1Y_@A11_
MT.]KZ0%U9`P9$HGTR"$7=:E4K`3]XUA+3Z@CTE,BD9XYY*(.(IYKV04U1'9)
M)+(KAUS$Y?I5+;B[6&OI#75$>DLDTCN'7,2J"[,7V%X^/Q'-?/$[$M%.+WN)
M:)'?A=6".X4&TD1U80Y)(VK1Z[7QU)62!MIA*6F@72+1[CG$7CY)+LK!"-)G
M*=$>$(GVD$BT1T0V[G)2+`0Y,Z:'2$^(1'I*)-(SAQAVH#MG"=%=$(GNDDAT
M5T1N/$TJA>!LK.DATALBD=X2B?3.(88<Z.Y9XJ3K)Z.9B7Y',MJ):R\9+?*3
M48^GULN[N7-(JM%*')+1H4TDIZ1#)*>D2R1:/8?RHT.?;B(V(!*Q(9&(C8@D
ML#&1:$V(1&M*)%HSA_*!S>DF8@LB$5L2B=B*2`);$XG6ADBTMD2BM7,H']B>
M;B<Q/W/,]/`[,L?.)GN98]%;3ZC6"RG,VZ)FXI!TQBV'7AM/;2%O/%7272W=
M<\CU\_6+8C#F]9U#3GE`&0EZ2"1!CQSBX%10+VN.M?2$.B(])1+IF4-_-9RJ
M<[&@AL@NB41VY9"+N%)(*D%7LW8>N9.QH8Y(;XE$>N>0BSB0W7NR7A[B2._)
MPY.[OQCA$)Z`F6$-(FD=38=RKZ2T-&IKU-%:7>W5TZBOT4!K#;772*.Q1A.M
M-=5>,XWF&BVTUE)[K31::[316EOMM=-H[R$_1S!_[/55?VLEW@QQP;JJ0WCJ
MD-2Q7GB$)6HZ+_^MH%K0C;3$BP7;&G4TZFK4TZBOT4"CH48CC<8:332::C33
M:*[10J.E1BN-UAIM--IJM--H[R$_F\SL^H^/?$4[&9\?^1QZXW4A>DF_U"3"
MO)A,ZJHU*_&23+)!U"0K.]JKJU%/H[Y&`R)I!T,B/]0@Z4?BQ5#'&DTTFFHT
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M?4<FV1E=;P!UD[SYUU/JU6`UN&%V="(%\W-?1.@,I:_4]W&V8(*2]N6C8N4J
MN(%J4TEF>SI$,H9WB229>T1NW;UR40\FD/OT0!19D.6K8.%X0"\YVI#HU=J-
MG!=K5TTJ5\&9&U-(*C<ADL--B:1R,R);N4!V3NNK%5O02XZT)'JU8BOGQ8K5
MJO6KX%YR32&IV(9(#K<EDHKMB-Q5"R[&GN:_JIF?_V9>_QWY;Y<!O/RWR#PJ
M91E25W._1;=^(#5K$DG-6@Z9LR;]IBLIIZG#DN+5)1*Q'I%,.?6)1&M`)%I#
M(M$:.90/;$PW$9L0B=B42,1F1!+8G$BT%D2BM202K95#^<#6=!.Q#9&(;8E$
M;$<D@>V)3EI^YIAY^G=DCIW6]S+'HC?F?HO6*S_W2R0SARV':FP32>TJ6(UK
M.Q?,$#&W.A22"G>)1+M'5+<]<.FB%#Q@]+7T@(5$>D@DTB.'7-C5I%`-6O-8
M2T^H(])3(I&>$=FH5?=GSVKN9"Q80&271"*[<LA%7*MB_==?65X[CYSTACHB
MO242Z1V1.\_!F=A[NGXJFJGL=Z2BG?GV4M%-AGN=F'H[J6B]<KU3DTA:4<LA
M=OWX_$(]4;GHE*2)=J@D3;1+).(](I?GY8OPO?<^/41Z0"320R*1'CG$N$N%
M6CW(\S%+B?:$2+2G1*(]([)A![)S6D5V022R2R*173G$D,M5O.T:9J,ZTQL*
MB?:62+1W1#;DX`+N:3V%["5CZ7UK$2=W_R':H3=&5.>53T8BJ47+H?SXT*:;
MG.X.D9R2+I&(]8BD&?>)1&M`)%I#(M$:.90/;$PW$9L0B=B42,1F1!+8G$BT
M%D2BM202K95#^<#6=!.Q#9&(;8E$;$<D@>V)3EI^YIA5@Q_OQDK&/<@<B]X8
M45W!_(A*)+UQRR'7T=>+^):7W[3:SB/7T7>H(_7M$HETC\AU],6+<&M`7TL/
M6$BDAT0B/7+(15TJ5$I!U&,M/:&.2$^)1'I&9*,.^S`MNV`!D5T2B>S*(1=Q
MN8*76?WSO-;2&^J(])9(I'=$-N*P"_-D_41\W^)&22]N..1W8>KM).?E=6%6
M*_^VK_-B)Q\=3ZDD#;1#)`VT2R0-M$?DQE.\G11<V#X]1'I`)-)#(I$>.<2X
M2_5R+=`>LY1H3XA$>THDVC.B^'A*J\@NB$1V222R*X<8<KE>*@=S#6N6$NT-
MD6AOB41[1V1##G)\3^M)UD]&L_3PCE[1KE3D;^Y*%OG)J)Y0G9>7C+:@EXP6
MY4>'-DO**>D0R2GI$LDIZ1%)*^X3B=:`2+2&1*(U<B@?V)AN(C8A$K$ID8C-
MB"2P.9%H+8A$:TDD6BN'\H&MZ29B&R(1VQ*)V(Y(`ML3G;3\S#'+#._('.,>
MC*<6O36>6B]O/'5(.N,6/OQHY%\;3ZV'-YXJZ:[3P4M9?(SM$=E^OGY1J13R
M_P5;^OK./7><`17DO`Z)Y#@CASBX7E7#YYJQEIY01Z2G1"(](_J+P56=F04+
MB.R22&17#G%PO2J&S7[M/'(G8T,=D=X2B?2.R$:L^K-\Q#8K[6<[[3?_'@Y/
M7P^-P_W]\]GM\5?S2<[DR@AEW'XP%-TBOAAZ:A*!!9\2_>FT\2[@U_C$Z&G1
M(>00BOJ7<`"328'_3^7T)]10&Z[+*;[XHSF&D]0T?VW!J)*:7D!;,)BDIB_0
M%HPIJ>D2M`5#2VIZ!FW!").:#D);,,ZFIC/4%@RWJ>D3M06C;FJZ1FW!X)N:
M'E);YK"8CE);,/ZFIK_4%MR4I&9LT!;<FZ1FB-`6W).D9J30%MR:I&;`T!;<
MH:1FW-`6W*BD9OC0EG6QCNMSFB\+T@//T+@^,0L>I7%]8A8\4>/ZQ"QXFD86
MQBP-Q-:(QM:$I1FUM&!I12UM6,QHK6N*N\74#-K:@MD,Y$$L-DQJ(`]B%DQH
M(`]B%LQK(`]B%DQOH/W$+)CE0/N)63#7@SR(63#E@SR(63#S@SR(63`!A#R(
M63#O@_83LV#Z!^TG9L'"16KFF/49Q?I%:J::M05+%^BE8I8&CM.('@<S<,B#
M6`28B$,>Q"QM6,PLB(X`LW#(@Y@%DW%HIS$+YN303F,6+#*E9FI?'P<+2ZF9
MX=<6K"^E9J)?6["FE)KY?FW!4E)J9OVU!2M*J9G\UQ8LT*5FI4-;L"B7F@4/
M;<%:7&J6/;0%2W*I6?W0%JS,I6811%NP0)>:M1!M:18KR(/3RUE!OX-UU+3Q
M%V6JJ5E2TFHME#$K2]J"A=.T';5@_30URTRZ#)914[/:I"U834W-HI.V8!4U
M-6M/VH*5T]0L06D+WHA!;+&1%B^S0"UFP7LHN#XQ"UXA02;&+'C[`[D3L^#%
M#5R%F`4OL\(2O\THIM=X[TC7IU%$3QZUX(5&U"=6!J\4XNS$+'BS$/6)W=#@
ME3!88F7PUA_:7,R"E_]0GY@%NV9P/W6ZZPLR$>^"X_K$6CW>[$9]8A:\IXWK
M$[/@K6M$';/@'6I<GY@%;T0CZI@%&X]2LU%$7P7L/TK-?A%MP;ZCU&P;T19L
M/TK-[A%MP2ZDU&PBT19L1DK-7A)MP9:LU.R;T1;LS$K-]AEMP0:MU.RBT1;L
MTTK-9AIMP1:MU&RIT1;LU$K-SAIMP?ZUU&PCTA9L8TO-;B)MP>ZUU.PITA9L
M8DO-UB)MP5ZVU.PPTA9L:4O-1B-MP3YK7)]8GXCMUK@^,0MV7>/ZQ"S8?(WK
M$[-@WS4R/F;!9L*T$8VM"4LS:L'6PM3LZ-+U:<-B-G9I"S86IF9_E[9@XSOR
M(!8;]K\C#V(6;'U''L0LV`&//(A9L!$>[2=FP7YXM)^8!5\%0![$+/@X`/(@
M9L$W`I`',0L^%8`\B%GPB0"TGY@%7PI`^XE9\%$;Y$&LM\2W;9`',0L^:H,\
MB%GPD0;D0>PX35B:40L^V8`\B)7!EQJ0!S$+/MB`/(A9\-T&M-.8!9]O0#N-
M6?"U(>1!K#[XZ!#R(&;!MX>0!S$+/C>$/(A9\)DAM-.8!5\;0CN-6?"U)N1!
MS((/-"$/8A9\F`EY$+/@^TS(@Y@%GVE"^XE9\+4FM)^8I9E@E,''NW1KQ`>U
MD`?Q,@GR(&9IH8SY"I%6PQ>TD`<Q"SZDA3R(6?`]+>1!S-*#Q7RA2!\'W\]"
M.XU9\!DMM-.8I8G'A=-7-(-[@"X>OV)\B,>E&)_BL3#&EWC,CO$M'HMC_+J2
MXL/'NFY-/#Z=ID&#.*]KZ76L/VV@0X_Q)H:T&!]@0(OQ(8;:V#WL\"J=Q_P7
M&(!C?(F;K1._S"J`/T_S_>;K873S]/7N\?GL_O`%<V6%TV><G^P?N+&_O!R_
M8PX-?Z#E^(*_2W/Z\1O^$-$!?[H"?\?C_.S+\?C"7W#B+K,_;?3I?P(```#_
M_P,`4$L#!!0`!@`(````(0""B]<V5!0``"!D```9````>&PO=V]R:W-H965T
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M?$=78(;]XNGPY>/E+T%O'[<NKSY]*`=H?W?X\5S[_>+YV_''^.GN\_SN\4"C
M3?-D9N#7X_$W8SKY;!`UOE*M1^4,Y$\7GP]?;GZ_?]D<?V2'NZ_?7FBZ$[HB
M<V&]SW\-#L^W-*(D\SY,C-+M\9XZ0/^]>+@SH4$C<O-G^?/'W>>7;Q\OP\[[
ML)L$29OL+WX]/+^,[HSFY<7M[\\OQX?_LU:!T[(JH5.AGU#IOD\ZK2AX@TCL
M1.@G1-['8=+IEB(-WJF?Y3703]<P9><-[=JN'?U\FT-:/*5#^ND:1F<Y3%T[
M^NG:!=%YEQA08-AY,A%BI^`\GP'FQOR"RSQ[8H,(?ND7USJI=?G,^`@PU.:7
MJOM!W"J#K&&*@@[\TR^N81"<-=@!9LG\\A:?(<;:_.(:TMB=>:DA5I3YQ;7N
MON\F2=SN=MZPHC!MX1NF[<HN[C)7#&Y>;CY]>#K^N*`$3%UY_GYCTGG0,X+(
M$G;DJ[SQ=VF#\H51^<7(?+RDX:2$\$RY[H]/01"&'Z[^H`1UZXRN3QCY%GU8
MF&QD=`<2#"4823"6()-@(L%4@ID$<PD6$BPE6$F02["68"/!5H)"@IT$^QJX
MHCFN)IKF]M^8:"-C)AHS=`W`,R^FO0\+-!E(,)1@),%8@DR"B013"682S"58
M2+"48"5!+L%:@HT$6PD*"782[&O`FU1*O?_&I!J9CY?TWVKUIF'D+\UK:].F
M9%L9M7V3?F52S;0B0T5&BHP5R129*#)59*;(7)&%(DM%5HKDBJP5V2BR5:10
M9*?(ODZ\R:?=T+\Q^4;FXV5;Y&XY_<ZJ:?HKDVKZ%1DJ,E)DK$BFR$21J2(S
M1>:*+!19*K)2)%=DK<A&D:TBA2([1?9UXDT_[1B\Z3^]K\<-VEB7LXS)N;8D
MB*M4WK<DYN0^4&18)UYW:/OF=<=N)-Z;C<W+M[O;WZZ/]EGA1#<CVC#8;801
M\7MI"3VWH-]]1[C?`TMBVCM7J2D-NWYR&E9&$!HI,E8D4V2BR%21F2)S11:*
M+!59*9(KLE9DH\A6D4*1G2+[.O&FFI+`ST^U$?&GVA+SB%I-8YBD_C3VG5%M
M]BU):$=>-4M#T6Q8&56SK\A826>534TZ:OD]FE1&D)XJ,E/2\\JF+AWXTHO*
M"-)+159*.J]LZM)B4[:NC""]462KI(O*AJ6C./%[O:N,(+VO$R^2Z*;C1=*)
MY$!E`F0'8^V'C"6OA(PSJH6,)0EME:N0"3L=_S*&E1$N8Z3(6)%,D8DB4T5F
MBLP562BR5&2E2*[(6I&-(EM%"D5VBNSKQ)MFRLQOF&9C[4^S)3'M@JOY2B.Q
M0^E;(RH+8+X&EB3U9F%;+(2A,S+WH#\^A:U0;GQ'UH">^*$[5IZR<SQ-/$]4
M1>N*B)LJ3S/E:7Z.IX4UBCOE-45B?2Z5FY5RDY_C9NV,[-"]BUK=V%]"&^5I
MJSP5YWC:>9ZBL-L6F7)?]^2%GBF/O2'V2G,_^!PR19M:](E+[<,JK,)D`-2N
MT-"A."YGYETJ@G&$)KS=&0.Q<`;$PA,@)QRT6F+_,X4%2\^`6'H.Q-(+AZC/
M?/UA)&ZP2S1D^140R^=`++\^2WZ#ABR_!6+Y`HCE=T`8&!H9/TCWL"BE_=@Q
MM91Z<:SY]A38T@L]22%37#LD,I=8D'UG54]=0*PU="BQRZV=!"IXK/]ZIH(,
M)\4,B)4G#KE\T8Z%\-1]7A.>086%YT`LO'#(=;D;I6+9+K7R"C*LG`.Q\MHA
MU^4@%>&XT<);J+!P`<3".X=<EX.D$XN5OO>D_7@Q99IZO/RC9R!3C1?W/X>2
M^A),(UE^@16OD0$0+X@AD+TYA&&W(Q;$"!8\*F,@ELZ`6'H"9*6#5A"K)&2O
M+6'I&1JQ]!R(I1=`5KK=;HDUM(0!*Z^`6#D'8N4UD!N/MLP/&QBP\A:(E0L@
M5MX!6>4X5%N+/2Q*:3^43-6G'DJOI!Y7).(^7IOS&0HCD7K$EJ/OK+S48QO2
MV0C2V-!9N441I8F0&3F#6H88:^4,B)4GOG(GZ(J%/-7*,\CP0IX#L?+"5PZZ
MH<H]]CIK?5Y!AI5S(%9>^\KODK@K@G'C+&K26^BP=`'$TCM?NA-W12K>>\I^
MQ)A"43UB_EGR<>4F[M,U58A,((GD(U9V'U:\)`9`O"2&0"Y#!&TQ<B,8L/\Q
M$"MG0*P\`7++.&B+[#B%`2O/@%AY#L3*"X<Z:;EG:P<B0I=HPL(K(!;.@5AX
M#62[_(ZZ+$)T`PN6W@*Q=`'$TCL@-QJA7%9[&)3*?AR9"M_/QY&M$WI[(8>\
M0HW<1_;-L[RY^]EO$=@S0(>:G^/0T#W(=?3>VLEP'6",-NPL`VIT-H&5=9:T
MY$/C%`;L;`;$SN9`C<X6L++.`GI&]7>P2QBPLQ40.\N!&IVM866=O8NZH=C_
M;&#!WK9`[*T`:O2V@Y4;QR`5#_5[&)3._#@UY4D5I^WW-,MEO;DX?B]/M\\O
M/IMO(,B-ET61$<7!=AJ+#5/?-8QX`0Z`J/)5-=2U!UAU[8-ZW.G*0!K!)*WN
MQF,@=I<!-;J;P,JZ2^(D2526=!?,[F9HQ>[F0(WN%K"R[N*._#[`$@;L;`7$
MSG*@1F=K6%EGM&]/9=UC`Q-VMP5B=P50H[L=K)R[5M)NR?WX'C:E/S]V25S'
M;L*')0C>5W9]1D84*RRB;0(V;WW:VQDKROA``X=J)SU#C48:C;56IJTF&DTU
MFFFMN;9::+34:*6U<FVUUFBCT59K%=IJI]'>0_Y\F\JHRE6U^3[K<,Q\6TE.
MMT64)3&W?6?E3;>U\@_(8K'9&+J&9`6MD49CC3*-)AI--9II--=HH=%2HY5&
MN49KC38:;34J--IIM/>0'P&F0/GS$6#+G-ZNRB)SG^0;C3HU"YQ5/0=8],JY
MF6M(5AP454.@L9;/N"'W*U5G9VP%K:E&,RT_9ZNZO`CI!5M!?JG12LOG;%67
M%_NN-5M!?J/15LL7;,7R^AR-K2"_]Y`78/2LZ0=8\ZVC-/=O'0Z]$DFPJD62
M0Z\<I[$5KF:DT5BC3*.)1E.-9AK--5IHM-1HI5&NT5JCC49;C0J-=AKM/>3/
M_MLJU>8L0]Q)'!+E(K$=[SLKNM-A$@=`=(_A!*1.V9Q5QSV0MA)9,QDY"[I&
M2(\AS=XRH$9O$]];$,>R/CS5WF:09F]SH$9O"UC9`H'<=BZUJQ5:L*L<J-'5
M&E:4@JO!3F6]?L,>V2KLBJ>6+;2X$P508R=VSLK-912&+1$F>^X`S:4?J/0\
MZ-T'7TE3QERD*8N,"QZ"2#RD]LU7F:DA_4`T#8!XKS]T**[?/--87,T(#>M6
M:CC'L&*/&1![G)SV*'H_1<-&CS-8L<<Y$'M<G/*HC^_0D#>2*R"6SX%8?GV6
M_`8-67X+Q/(%$,OO3LE'\N!\CX9_-UY^")JZ;WTK]DH(VC)Q?<\56B1RI2AE
M]IV5ERMM0]HF(BJ'SLHMIG:B*J+.P,N+3H97;@9GK#P!LFE))=RI%IZA"0O/
M@5AXX9#K<J<CC_V76GD%&5;.@5AY#62[+`JM&RV[10.6+8!8=N>0ZW`0JR6^
M]Z3]:/E7RNJA+JL[),KJHA[3AQ4OG`$0KY(AD!TW.M.3)<(1+'A4QD`LG0&Q
M]`3(2G=3>5HXA0$KSX!8>0[$R@L@J]Q6JWH)`U9>`;%R#L3*:R`W'.H490,#
M5MX"L7(!Q,H[(*M,+RG)I^@]+$II/Y(H.[TE[QAS<>NS2.0=<1;7-^_544,O
M[SC$USMT5FY-Q(G\OLC(&7AY1REG<,;*$U^YW9'?Q9QJY1ED>!W/@5AYX2L'
M<20>R)9:>0495LZ!6'D-Y.^K1$;?L#QO/=1&8`LM]E@`L<>=0TBB2F;/SM0>
MZF3E^ZW5I%!7NQT2*4F>],&*5\H`B%?*$,BNE"!*A,P(!CPF8R!6SH!8>0+D
M5G=+?D%C"@-6G@&Q\AR(E1<.T1<7RGI\+/<92[1AY140*^=`K+RN*7/HI+'(
M]ANT]/;?>N-N9RYAEP4:LLL=D!NF4&<J)U->C)^I7BM/GU6N#'5U&JCY"!!6
M?)HT`*($5&WZ]7&*LPI:H3U/"1+QS#."#E<OQD#L+0-J]#81WN@E3I$OIM!A
M;S,@]C8':O2V@%6[O+14?NEZB<_9UPJ(?>5`C;[6L*(`J48[C<5]9@,KVMI4
M5BJ-;6'%G2B`&CNQ<U:8S*0ECXKWT"DOV0]@6D#>K;;\+L3/G`V&1E'<C2UZ
MY6S0-:R?#3I$[_[7!DY73*Q\;'-1%+75"AY!FROV8R!.!-E9[B:P<JDO[421
MJ*9.H<WN9D#L;@ZAQJM;P,JYB^4F80EE=K8"8F<Y9!J=K6%EG07M,$U%8MA`
MF]UM@=A=`:%&=SM8.7>M5BN57WS<0[STY\>N*:_7'T_E]WC..QL,;97>>VRU
MJ'XVZ*SJAT4.U<\&-1II--9:F;:::#35:*:UYMIJH=%2HY76RK756J.-1ENM
M56BKG49[#WGS'5$P-<[W63?;4L7/3P[5SP:!^"8Q<$B<#8K-VI"M4+@8:336
M*--HHM%4HYE&<XT6&BTU6FF4:[36:*/15J-"HYU&>P_Y$2"+]W+%GQ<!NJ8?
M6?3*B0ZLZD%A&[YR-N@:UL\&-1IK^8RM^`:HSP;9"C$WU6BFY>=L59<7=[,%
M6T%^J=%*R^=L59<7CZ)KMH+\1J.MEB_8BN7UV2!;07[O(3_`WE9TCW31W:'7
M(LDVK-]-7,-7S@;9"E<STFBL4:;11*.I1C.-YAHM-%IJM-(HUVBMT4:CK4:%
M1CN-]A[R9]]4B^L;BN9Z=V2+R_6-@T.B[B2.2?K.JEYW`J*M+#\BJ)VNLW*E
MD+"E7M$9.8MZ+0K27&7)@!J]37QO0=1MB[W@5'N;09J]S8$:O2U@Y0J&(@DM
MM:L56K"K'*C1U1I6?@U+%M'98VU*5(D!6MR)`JBQ$SMGY>:2S@:[(DSVW`%:
MZWZ@RE+[*X&J:^J11:^<#<**3YX&0+S7'SKDGPVJ@@(:>L^R<CC'L&*/&1![
MG)SV*$)FBH:-'F>P8H]S(/:X..51GPVB(=>;5D`LGP.Q_/HL^0T:LOP6B.4+
M();?G9*/4E&FV*/AWXV7'X)D]99<:<S%KMLBD2M%9:AOB@:B1@_$M<6A0VXQ
MT3M/0F;D#+R\J)0SK3P!LFDID8,VU<(S-.&4,`?B+B\<XK*VV!<MM?(*,JR<
M`['R&LA+;XF0W[!\8WI3@U1`GCWN''+70B7LMDBF>_:F<IDIKM9ONO]L3V]+
MM-Z]V%5MZU4W_2H@E9M,?-5*Q`,@7D!#(%<BCF)YN#>"!8_*&(B7:P;$TA,@
M*]WIRK?UIS!@Y1D0*\^!6'D!9)7;02">59<P8.45$"OG0*R\!G+#T0YD>1X&
MK+P%8N4"B)5W0%8Y;K4BE:7<A)72?DJ2Q?A7[HJZZAY9)%*2Z$'?67G;-]NP
M_G4%9^761)C*-SQ'SL!+24Z&UW<&9SR2$U\Y53$]U<HSR+#R'(B5%[XRO3\C
MTNA2*Z\@P\HY$"NO@?R<)'8\&Y9OS$EJE`K(L\>=0V[\TT@6,O?L3*4DVKG]
M"RG)J(A;GD6O'!M&SHI7R@"(5\K0(1S!=>56:H0V/"9C(%;.@%AY`N16=YJ*
M*)C"@)5G0*P\!V+EA4/H<QR(!XHEVK#R"HB5<R!67M>4.7321'Q=;(.6-,+\
MF"5';@LK=ED`L<L=D!NF;B*B>0^#\F+\3&7JRS]_SS,J(L`<JI?=*?3]M^#Z
MD;/BDZ8!$-WN>6#T\Z=MB).FL-46MY01=+A$-@9B;QE0H[>)LX*W=BH/9J?0
M86\S(/8V!VKTMH"5/3;LR*!?XG/VM0)B7SE0HZ\UK.A65HUV*O>L&UC5-S#Z
MV!!6W(D"J+$3.V=5#6^B;[4N3LI+]@+8G,CI`/Z98\-2T0]FA\S6D4=)O5((
M*UZ9`X?,CZJA/@.'E3U\BJ).5^Y:1]#FLZXQ$+O+(-3H;@*KZARO);\T,84V
MNYL!L;LYA!K=+6#EKBX-Q"YF"65VM@)B9SED&IVM8>7.\=)$?=%Y`VUVMP5B
M=P6$&MWM8&7=I9VTU1$;4//GXDUNI!BO;N[VS[_;/^G\<'CZ>N@?[N^?+VZ/
MOYL_[4[)^M.'"MN_.S^(PIXI%Y*$^(3^(OTOI_@U_:7Z<B$*^VL2.FD?D8-3
M^G'O%[H$[?@ZIC^%?X+3Z10IG6HQB(+>B"K>6HM.%WKFH$!_0@<#/5/CUY]0
M3;]GRO/Z$RK'4P].?3((J6]VFRN&91"F/7-`JM7H0+1GCCOU)W2\V3.'E_H3
M.JSLF:-(_0D=/5(/3GTR"+HT8^4=6O8MH+[16T1:C=[8ZIF7K_0G]+)5S[PW
MI3^A]Z1ZYI4G_0F]XD0]./7)@+IVNF<=ZEFYWQ9]IE=,J6>G/J$71JEGISZA
MUS^I9Z<^H9<YJ6>G/NDG/?KSIOI:!NT>_2W,$YPZ?$HGH^Z>XG/J["F>4U=/
M\8(Z6O*K:D#HWV?X?O/UL+AY^GKW^'QQ?_A"B[Q5OC?\9/^%!_L_+^[E]U^/
M+_0/,Y3OP7^C?XGC0']2O67>D/]R/+[@?^C"KJI_V^/3_PL```#__P,`4$L#
M!!0`!@`(````(0#PKOI3<P4``!H:```9````>&PO=V]R:W-H965T<R]S:&5E
M=#4X+GAM;)R966_B2!#'WU?:[V#Y??#%+6`T8'SAE5:K/9X=TX`5C)'M))-O
MO]5N?'0Y0Y&\Q*'KUT5U_:O+=K/X_C,]*Z\L+Y+LLE2-@:XJ[!)G^^1R7*K_
M_.U\FZI*44:7?73.+FRIOK-"_;[Z_;?%6Y8_%R?&2@4\7(JE>BK+ZUS3BOC$
MTJ@89%=V`<LAR].HA(_Y42NN.8OVU:3TK)FZ/M;2*+FHPL,\?\1'=C@D,;.S
M^"5EEU(XR=DY*B'^XI1<B]I;&C_B+HWRYY?KMSA+K^#B*3DGY7OE5%72>.X?
M+UD>/9UAW3^-8137OJL//?=I$N=9D1W*`;C31*#]-<^TF0:>5HM]`BO@:5=R
M=EBJ/XQY:)BJMEI4"?HW86]%YW^E.&5O;I[LP^3"(-N@$U?@*<N>.>KO^1!,
MUGJSG4J!/W-ESP[1R[G\*WOS6'(\E2#W"%;$%S;?O]NLB"&CX&9@CKBG.#M#
M`/!721->&I"1Z&=U?4OVY6FI6N/!:*);!N#*$RM*)^$N525^*<HL_4]`QLV5
M<&+>G%@0_<UN#LSIR!B-/^%E>/,"U\;+PR%`L-4ZX-I,_O0ZQC<GDZZ33Z\#
MME85"ER;4!Y>Q^PV&:[-Y$^OPX`R$JJ",JV;1U>BB1JI2LZ.RFBUR+,W!?8Q
M5$%QC7A7,.90U$I=;*(TFO+[5?5!V7$O/[B;RAD45@%;YG5E&*/10GN%.H]O
MT%I`D,,N-):A30WQNN:N;3RPQ0,.'G#Q@(<'?#P0U`.=V.3`=C51!Q9V!C3(
M9I-2R&(OI1;(]_'^K3/(9\D9G!ER!.L^8LK$ID^`#!,9LOO04":V?0+<3&7(
MZ4.6)2-N'P$_,QGR/H+&N@SY'T(H/T$?0OG9]0D<<]A'9JT726=HC5_0F<^"
MCMS9!*:!-XI@H&DV&P7O$I*P26)+$@Y)N"3AD81/$@%)[$@BO$=(LD+:)5GO
M;UM.+U4HFD8JPT+%NQ;,1+3%Z1"5[48RFR:2VI;,^@0YW\KF$9KM=,T3"Q6:
MV[5"W*A3>))Y:+7[H.K,OF0>C9'SH&L>&3/4'':26;=06PB[YO'(:D.3Q()G
M`TDL?ONB>RV?A40SVR^H%K<6#$31"(M2NR$)FR2V).&0A$L2'DGX)!'4!+^W
MFSI2:]>U3DUTJPB%=2PV@#5M"T72$A[5OJ`EGX6U1-^_%LP]+4G")HDM23@D
MX9*$1Q(^202"$`UI.)NBV_].,IL&ZE=AUPSO`VU7D-2$!^XOJ,EGR6J:N*^L
M!7-/39*P26)+$@Y)N"3AD81/$H$@;KMK.ANV@E2=;"?99^/.]JOL8=<.:G?*
M01*4'R]TWQ3NWQ<YC85$#70MF'M"DH1-$EN2<$C")0F/)'R2"&J"M]C.0Z=0
ML6L<(XG#KM%L]ZND'[Q^2OH]=JODL[".^%8IF'LZDH1-$EN2<$C")0F/)'R2
M"`1QVY`SW<+]5;9/ABB?8==N&J;^B_LE/Q*0%+V_(RL<O7F,\9WR!MW3DD9L
M&MG2B$,C+HUX-.+32$`C.QH)[R+29C7XX<+CW;;"\39%SVCK&S2K'L/T0=LF
MJ@:S068==6L;V]NJK.9O";N#[6A7N-B._'O8CN+S"7N`[/@]:X?M*#\AMK?Q
MR\KQ`X1/*"?.&[HOD"9^QUOS@SGHPK5R^.E[@^TH-3:VH]1N";N#[>W2*^E=
M;$?^/6Q'\?F$/4#VOG1R?CIWP"H^?EK?S9_9QB^D$T?QXEPT9?F1;=CY7"AQ
M]L*/V4W8,,VH^`E@;<SA"!%.`M%XP'\:J`[W&P.<S%^C(_LCRH_)I5#.[``N
M]<$$WHER<;8O/I39M3K^>\I*.).O_CW!;S`,CD#U`<"'+"OK#_#%6O.KSNI_
M````__\#`%!+`P04``8`"````"$`8^3%CL`"```D!P``&0```'AL+W=O<FMS
M:&5E=',O<VAE970U.2YX;6R<55UOFS`4?9^T_X!X+V`()$$A54/5K=(F3=,^
MGAUC@E6,D>TT[;_?M9W00*:UW4L2?,\].>?>Z\OJ^HFWWB.5BHFN\%$0^1[M
MB*A8MRO\GS_NKA:^IS3N*MR*CA;^,U7^]?KCA]5!R`?54*H]8.A4X3=:]WD8
M*M)0CE4@>MI!I!:28PV/<A>J7E)<V23>AG$492''K/,=0R[?PB'JFA%Z*\B>
MTTX[$DE;K$&_:EBO3FR<O(6.8_FP[Z^(X#U0;%G+]+,E]3U.\OM=)R3>MN#[
M"<TP.7';APMZSH@42M0Z`+K0";WTO`R7(3"M5Q4#!Z;LGJ1UX=^@O,S\<+VR
M]?G%Z$&=_?94(PZ?)*N^L(Y"L:%-I@%;(1X,]+XR1Y`<7F3?V09\DUY%:[QO
M]7=Q^$S9KM'0[10,&5]Y]7Q+%8&"`DT0IX:)B!8$P*?'F9D,*`A^LM\'5NFF
M\),L2.=1@@#N;:G2=\Q0^A[9*RWX;P="1RI'$A])$E!_C,=!O$A1FKW.$CI%
MUN`MUGB]DN+@P=#`?ZH>FQ%$.3`;9QG4Y^_.P)+)N3%)-A70"KKQN$8HBU?A
M(]20'$$;!X(;,(`FB/(2D20#20@"!Y7@?:HR>56E21JK3"8*-@ZRL'4VSLJS
M@Y$`*,W[!9@D:/5Y!5`Z&+2EW#C,[`R3C1'EOQ`CC4#R?HTFJ?#!]DN7YHNQ
M@HW#S&VCK[(EFL3+47R9QM&0/]('H_Y^?29IHF^!!GY70X?)W"!&LY<9LN'R
M/#Q#LY?LD;KL?]29I*FZZ8PYS+%ZZ6(^F0#86X;C%$_FR\&=T^>VDKNTG,H=
M+6G;*H^(O=DX,;@>3MTRW*`<!ANVT.2\A"5IS\,A`$NJQSOZ%<L=ZY37TAHH
MHV`.)9-NS;D'+7I[D[9"PWJR/QMX&U&X,E$`X%H(?7HPBW1XOZW_````__\#
M`%!+`P04``8`"````"$`$/ET`8`"``#G!0``&0```'AL+W=O<FMS:&5E=',O
M<VAE970V,"YX;6R45%UOVR`4?9^T_X!XKXGM.&VM.%63JENE59JF?3P3C&T4
M8RP@3?OO=X'$C9-]M"^.@7-/SCF7Z_G-LVS1$]=&J*[`<33!B'=,E:*K"_SC
M^_W%%4;&TJZDK>IX@5^XP3>+CQ_F.Z4WIN'<(F#H3($;:_N<$,,:+JF)5,\[
M.*F4EM3"4M?$])K3TA?)EB23R8Q(*CH<&'+]%@Y558+Q.\6VDG<VD&C>4@OZ
M32-Z<V"3["UTDNK-MK]@2O9`L1:ML"^>%"/)\H>Z4YJN6_#]'$\I.W#[Q1F]
M%$PKHRH;`1T)0L\]7Y-K`DR+>2G`@8L=:5X5^#;.5U-,%G.?ST_!=^;H'9E&
M[3YI47X1'8>PH4VN`6NE-@[Z4+HM*"9GU?>^`5\U*GE%MZW]IG:?N:@;"]W.
MP)#SE9<O=]PP"!1HHB1S3$RU(`">2`IW,R`0^NQ_=Z*T38'3691=3M(8X&C-
MC;T7CA(CMC56R5\!%.^I`DFR)TE!_?X\B9*K+,YF_V<A09$W>$<M7<RUVB&X
M-/"?IJ?N"L8Y,#MG*>3S9V=@R=7<NB)?"F@#W7A:Q/$LG9,GR)#M0<L`@@D8
M0,D8L3I'I*\D!`0.*L'[^U6ZHK'*]$3!,D"N?,[.V>IH8R0`HGF_`%<$<1XG
M<)V-,U@&S/0(,QLC5O]"C#0"R:G&Z5\OZ:&5KJC`8'OH$K1R.I:P#*!+W^E9
M/#Z$N7,,\!P8LE>306`8K'#O)-<U7_&V-8BIK1N:!'B'W3#/RSB'WL`@G>RO
M8,[]/AD.8,YZ6O-'JFO1&=3R"B@GT24XUV%2P\*JWE^&M;(P8?ZU@0\JAZY/
M(@!72MG#PGT+AD_TXC<```#__P,`4$L#!!0`!@`(````(0#30?U[KP,``'0-
M```9````>&PO=V]R:W-H965T<R]S:&5E=#8U+GAM;)Q7VXZ;,!1\K]1_0+PW
M8`CDHB35AM6V*[525?7R[("36`L8V<YF]^][S&$))BN2]"4),![FS/ARLOC\
M4N3.,Y.*BW+IDI'O.JQ,1<;+W=+]_>OAT]1UE*9E1G-1LJ7[RI3[>?7QP^(H
MY)/:,Z8=8"C5TMUK7<T]3Z5[5E`U$A4KX<E6R()JN)0[3U62T:P>5.1>X/NQ
M5U!>NL@PE]=PB.V6I^Q>I(>"E1I)),NI!OUJSROUQE:DU]`55#X=JD^I*"J@
MV/"<Z]>:U'6*=/ZX*X6DFQSJ?B%CFKYQUQ=G]`5/I5!BJT=`YZ'0\YIGWLP#
MIM4BXU"!L=V1;+MT[\@\(;'KK1:U07\X.ZK.;T?MQ?&+Y-DW7C)P&W(R"6R$
M>#+0Q\S<@L'>V>B'.H$?TLG8EAYR_5,<OS*^VVN(.X**3&'S[/6>J10<!9I1
M$!FF5.0@`#Z=@INI`8[0E_K[R#.]7[IA/(HF?D@`[FR8T@_<4+I.>E!:%'\1
M1!HJ)`D:DA#4-\^#43"-2!1?9O%045W@/=5TM9#BZ,"L@7>JBIHY2.;`;"H+
MP9_W*X.2S)@[,Z@>"F@%<3RO2#">+;QG\#!M0&L$P1)H08&-2,X18=A"/!#8
MJH3:;U=I!MDJPYZ"-4*FM<^FLJ1SPQ(`UMPNP`P".SL.0-Y^6V'MY1I!XPXH
MMA')$,(2"21=D<,9&O#2A7K;>,(XLM^\1LRD3G@R#<-Q7YH%"`CI,%C*8)9?
MK\R`;66$C"<]:0B"][?R^]J&$):XV!9WW1(P@RYFBZ`AD4,(2^3$%CF<K0';
M#IYGBYBX6;T^\7MK([$`?C`-3@!+F3GD;MY!S"!;(2P-TLL804/V#2$LD;/_
M$6D&7<P804,BAQ"62`(;;]?*X9!KM.WA><H-"&,>PP*=]4Q.+$0(BSP\;>2V
MNMY1<4$=;N[=_042/DTAW/P(HH;<&X38`LWF??-,)+CE7]BE&]2@4"1Z'V(+
M-3MZ1^@%)W'_[SKY3LX(PIR#,(JGIQ1KJQ-B(<@DFH[;Y6:K@PIN4&?0]BR$
MG$_'>),SHM[WIM$W!+$%]DZ3ZS9LTZ]=7LT-:E#HU0<+M*2W.(EGP86<$81'
M,HFF\2G$QD8+,!D'IWX#3<0F%WO`@LD=2UB>*R<5!]/`!G`>M'>QN5Z3.?1)
MT-3V[B?0=-?WO?8!]+P5W;'O5.YXJ9R<;8'2'TW`,8E=,UYH4=6-V49HZ';K
MGWOX=\.@`_-'`-X*H=\N3%_>_E]:_0,``/__`P!02P,$%``&``@````A`!X`
MI:7'!0``BQL``!D```!X;"]W;W)K<VAE971S+W-H965T-C0N>&ULG)G;;N,V
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M!?HGX?>B]]HISMG]USPY?$^N'*H-XR1&X"7+7@7Z[2`^@IL][>[G:@3^R)T#
M/T9OE_+/[/X;3T[G$H9[#HJ$L,WAD_$BAHI"F`F=BTAQ=H$$X+>3)J(UH"+1
M1_7WGAS*\\[U%Y/Y<NH3P)T77I3/B0CI.O%;46;IOQ*J%+5!:!T$_M9!J#^9
MT?ER-2:*7T>9M5$(G=#5G,P7]EP\J:LJ$XO*:+_-L[L#O0>9%[=(=#+90.2F
M/E)-6['_*QA42@3Y*J)4L:`6!8SR^YY0NMYZ[S`T<0T%$H*9U4$J$3:$&`<1
ME_4^\"#A-FNH),[:A]X8'M4F27&3FJ1/U00"'4%$J!.^KP9A.K+NHB@R8$C[
M,LSI"QC:KU\^ZD_59P<2@H%L:[Q0B=!*,!.AI`^/>3Q]`>]<J$V;&:$^49,+
M)+2L.HBN4`.%_:ND*ZEL%7D1?K?QY_,VNI(V3-S'TQ:PEC9Z=B"A697VJGMJ
ME5C87!Q,3.;>(&+B^//5<-J+,6D+6$L;-6H@(9DV\7'>_:M=2C+A_K4GZG<]
MIA1Z.29C`:.,??380#(RX07NCO[%65M"F6__VA,L3>UE)5]A^F@MM*\JXB:4
M-_71\P,)]9L3FA\77(>ZNDH9)D)1LE:5F!<6`6L+"WIT(*&^`D2$5H*9""5]
M`FOY^)&H[D)#@=>0H(86TJ0(T::K`LPH14L44ZZ3Q9QT3:IJ$-XUNIN(=#RT
M3"[;?JWZ(*@IN4X2,EVND`^$"K&>T2D:+58#PP.J"A%^-EZ(=$$DI*M5+412
M]8S61#17NZ53DV%"5!G"UGHRS'."2!-4TB=+-&.#FAHN8J4PM"/,B*@:X$DC
M-`A:F]BHR`&1E%&#%6'&**H&87:]<1`[3OLJ*_;L^C*++""HJ;X60F=(<3A`
M:6W5./)0YZERA!6.ER,-%+47RB(@C<T.95&WEQ5AQBBJ%F&3/2V6*2)-%29*
MN^,"4T/%#DACO1V%9(9VA!D158/PR)Z&!]M+.JLR'M37VDOW7V@O9!`AT2FD
MF!D158[PS/%RI-.J<F;=KJ=>?'4_!CEHDQ@2G=+DF!!%#D7&;NZPBD:&3I;8
M#&NJ/^E1@J$=849$U8",W:)!&KIEEE!)&358$6:,HFJ`UAC?5E3<A<9#GR4U
MU=<";85VQ.$`A4:-&1%5#O+VQR8]'?1XO$6IJ;X<E&AH1Y@14;7`D_I#8VDO
M05L]GDK*J,&*,&,45<,/>;SX%DMK+VW5JJF^%F@OM#,+!R@T:LR(J')^R./I
M@,?3&<HBJ*F^'(2$=H09$57+*(^G#WE\31DU6+<!S!A%U8`\WC)%AKQ]IKF(
MI,AZ7OUG.)W@_QQ#BHDUA2_S>S]HB6/U#<-E404)`^VYO$60M%OD[MJZ93)E
MN7FD5H09$46#V,,_KJ&BK>M630U74&JP(\R(J!I&63N<6PRL5[BQ:JII+#*A
M:_7GER>T,0OK6PRRQ9F)>/8P(C7),Q'Y97_*\Q,/^>52.''V)LX["+1Y^ZD\
MBPG@+*8ZN/#:"W`4<HM._/<H/R77PKGP(]PZG2QAI<[E88I\4V:WZIOUEZR$
M0Y#JY1D.O3A\AS^=`'S,LK)Y(XYKVF.T_7\```#__P,`4$L#!!0`!@`(````
M(0`RY)>%>`<``#8E```9````>&PO=V]R:W-H965T<R]S:&5E=#8S+GAM;)Q:
MVV[C-A!]+]!_,/P>VZ1N5I"DJ+C8MD`+%$4OSXHMQ\+:EB$IF]V_+\D9F>*0
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MY'RV>6_:ZO@?@!B&@B`<@P22/=KY@J\C%L7C49;`2"_P4][F+T]U]3&352._
MLSGGJ@;9HXRL5A;+_/A7)I>D?'Y63MI5HANY'5]?&&?QT_*KS.$&01F`9`M<
M0-Q&"!<1!!?(4A*\L)1KIRR#49;*R689$`890-8ZSVIEHO>!14"FYGX"RDEN
M=2\#,DW)984ZEQF`PAZ()%)<0U@D99#[22JGY[E<]V6;),DU(0F@1&]U%*0I
ML^VB;T]E65_,%C]9ZY1?.-A%7:TI)X=?>OD"2"*`8LWO@44K4T;:+L`>HKVW
M/(M?[/(;KS+E1/GQ%>$'(.`7R,:WS0+,0"\(S>(L=HG+;CQ[RLEA9[8'L@>@
M+CLKTB3",ANC14XI'1DCXZE33@XY\P5`#D"0NBB)8D)>].UIL#:IM?BE4_@I
M)\*/Q69W@!^`NM*+5Q'96[!WR>U5AL6/R6EV?P*U%V'(.2G^#%%`42I.3%(L
M$``<T]BLP*;HD8KQ/68PY.WYPD,[21FB,$OQVF$(4=`>##%4T_ON*F0P\PE#
M\Q6PS8C"'*5D`0+-F.-T;:K4SJ&:Y?<S!`4@#(E,9*S3":7'#\0J;.M@&4Z2
M$.;3$$Z%#E&8HB"*'(H0!@`\#8W=SJ$:YO?GT*<CG.J<.M3)EK_4(;$+VQZ9
M(K$9$B$9.4QY%(0E)C367Z<11J=-?C1$L&L0FZ!'2VYH91`"66;]HX*SS9U<
M&)1#]!K$)CI)5YA/6'JBCQGM*T>P9L[,`7O7\6:JV@P]RC(NR\PC+9Q1:4%4
M5XW.S+&DQ>R#Q8]/$A;MY0B+T5;((*(P0P%MEHO95,)0QW"/MHQG47LY+,WH
M19:6=CCBAT'D[+E4]2#+2?K"O?I"JBU#%`R_,(E(K@7:1ZJ13](7[47RZ!YT
M$(75R#CM:ML^5(Z3!(9[!(8EA$"&J/Y.$HBX"K'[9I+*J`=QJ1\C(Q)15XEV
M0F2JTJS%)DK$1CW!C\]R[A$=][$/45B40>@\&E@`QD)3M39'C][<T-X@$_:Q
MQQF2'%#`\8%Q>K84","Z-4/*9CA):+A/:'IG*QQ`?2&)Z0.$P"#`;_#ICT_2
M&>U%.IMS9T):0F*$3M,7&`/S9^:6E3]5<?<?RK270\]\!>0/45B%X2HA_(4%
M8.':Z*C-T2,RRO7Z\2P`^;"JT!V.B#)5:.8?9!$!W?0<:)1@DL)H+R>-9!\S
M1`'%=>(\2*/=/Y7L1$Y2F4!Y.2S)H29#%.8I3)P\0I1;6$K,A))47@Y+>AH/
M`-5GT3LTX(Z[F($1'DS2&NWE,#5?@<WC"HG+U,68,/;.3Q*;P"<VSO,AHH;K
M$Z+T<S[$TB,W-S2Z3VZ<)\0`4,/UV=E'A3L@DC,RACQ2PVAW9#JF>G[U?3N6
M9:=&/HB]V1[)N2&-("8C1Z"@DQP?"R1Z#6(1#2>)C_:B_>,\)2(*JC).:,:%
M;5^G`^>+T*,]XR<@[>50-/(&+8ZH3J`9&5;"MK/>'\?M+$[2GE!Y48K.$0A1
MD$66QD2;!-K[==N;4C9-C_C<D$FO^)"#1!9VXJ+_A!90[;F83=$.LE3#_^X_
M4H7*RTDF/0\AJAN4O4,W-(YECX=+<I+JJ%13BNYQ"%%=249D"<*V#Y?D)+D)
M/7+#$M.8V#77Y`03>0UB%^4DQ0E!*T9&):+ZO6%T#XG>+#HA$9W;GA:UEU.7
MI(DS1$%=RC<QI+L$VJ$H!E\SA)-41WLY#.GA$E%=63KO:FS[T&N&:)+<:"^'
M(9G5&:(P1\YK!C1W<W3H-4/D49MQY=9>#D-2:QFB,(?$*FQK3P>L=HDF28WV
M<OB1(9TA"E(4)BG)L+#LPV\9Y'62"0-<>SD4Z>A!%+Q.?^",-HIM=R0&KJG`
M+8YC4;\5HC@<FMFF>E=74+A\R7WY%*['9.PQX^J.`_E<R&LS^O/EQ2!OK9SS
MM^*/O'XK3\WL4.QDR-4BD5._AGLO\$M;G?75BM>JE?=5](][>3^ID'<H5@L)
MWE55V_VB;M9<;CR]_`\``/__`P!02P,$%``&``@````A`"%1[,_;#@``A5T`
M`!D```!X;"]W;W)K<VAE971S+W-H965T-C(N>&ULG%S;;B,W$GU?8/_!T/M(
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M5SO>A>V2Z]G]XQ\_[2\[:U+;S#HM7$N[TZLE8/][=SPXW[`FV?[>___[X?'Z
M\K#*RG51)9FQ\+NO^\OUYX-K<G6W^W:YGH[_`Y#!IJ"1%!O)+'LL3]=I79BB
MG&]E`XSZ#OZTO6Z_?#Z?OM]9M[&?>7G?.B<T][9EU[-\M&>V2Z[.CZY27]6B
M+W8\?OMB3)U\WOQF;;A#4`L@&P,?H#1&=!R191^0C27XP=+VG;+,["C*]O<L
M7:689488M`"I>SN[GG7!'R("UC0A@>D/=F`[Q$'/K7G,1\]Z&[8`R@-0&2.Z
M*41$SC82DG-C.&\=5^EA9?O[,3R6)+4/@$*214%8<LC0CXBE]:K;6;I*C.7@
M)&!*`)7@B$45.%%?WD%YV(L1BN42BJX2HYC'5FH!A!2KK&KB\@[*%12K)11=
M)4:1#&0+(*!8YEE>$8I0KJ#H9(],*?/NZ"HQBL,PP4`#""CF:9-1*T*Y@F(3
M4YP.9P=FU(AU6@#A`.=)UM3$?`!0<#-V8@OM-TVN1S-VY,-;1)FFZ(.$3-4=
M%FO("7HQ/[@&9GHRV9#1:Q'E29IU\Y=/9$+J$*-AZJ;RF]W0@`#$3!MBKQ91
MGFFZ+NHF^A&(0\,:XF[>OYTXJ`4A3D7'`&H@7N5)^&,$XFH9,K9S(?$9QW5H
MZK@-&>^V;].*.#INNE80AH8UEB:2-$-8TJ*&:I%;%MIN#83+3+"I6I',(DGJ
M:S';4DU"5&@HINX"9IB4(WDWBY2IK\684FE"%,ZN1<7D$P%A5\9H+E(G(\E3
M,WP$R!.BD&:5UP30(4!#DRB4;DUG)*EJJ%0A"FB6>5606:)#@()F2K1*1[.O
MQ0:=:A:B@&:>-269&SH$:&@2U9H.]%12JXIJ`*)PL'/35*0#78RP^[1L0$2A
MDSIMN'G&[VLQ*U)1151H)!;D`F;PW)CI(FU*!6VR1QCQ`JE%%!@TLZH4EW=8
M'O9DC*7%++"GJT7LF28D-MH44#CL5<E80KG][\>^:HPE41]E[`@JE"8D-%IW
M(&#[@BP30WK18;F&Y2(!2F$_$ZU&TH1J):*099J;P5*P<4.`AB91GYD(A[T,
MH4?U,044TJM-32;2+@9D53IT,(X:HCDSY`2M21,JB2F@_#J#N2$4:RRW2&E2
M06G2A(Q?BRA/TJSSDB^&$*2@ZC8:M\=U7XO%-1G+%E&>:KHVX;HX2825,5;1
M$"?ZHPOU3-"A-!DT!!8=B/+$L[7)HJU(Q2V.533$B3)->V[FT,S25)$0-1`N
MK18$/\)Z&:MH"!.!FB$L"9,AL=1F@!H()\+&%$$:BA:SP(M=+6I;.J^W&:!"
M%DSM!<P0M]&\E2U2J+X68TH5"E$PN:9-.5"`J1_+PYX,D)CE(H7*)(4RPP2.
MP04HE(#2D.#KL!4-2R)0RBE`$BI#A<I>?3C?R/NSG;JA8O]1/+LDR8A0*4E*
M@F6H8/5M?RQ)THS:ND.`QI9$LF:"7)`J4S$;`@I'NJIJ-M01($\#CXW<,2<B
M-4VN1Y-@,16U':)DTT"\3$)B@D2,9@B""-DI\&,]*UQFY(":)#@%B0D2T=%Y
M82Z(CW"A`:B0*)L@L:40,S+UY$1ME$P%U3$UG7KZMGV\%$TZ4,`!AU8T+"WF
M=L')72WJF34-&T1AV%@5)YLV+->P7"0V[JZ2LV3Q`ZB0!1]UCAE,'OOG(L')
M!<$Q](2H1=0T4V@IQ(PQ):(S$^J"V+!-3YL#"D:\%/S2B]$P88RQ(VHSPTY0
M&4-GZ38'E%^K,7>$8HWIB,8H0UO2FIJN@'-`>9)V6Q2MV!MA>8E5%,0+HC\Z
MXGTM&NWLW@-1`7%AL8X@#56B1$JJ("1V(@\4B2YZV@)0GBIU!"S6D"1J-.VE
MA:1"[%8#4:/DN$B-A%!!!&B&G"0\[`:C;W.XP7#>R;>0"-+8SV)N5Y_"U6+^
M2-4'42$+-J\+F#%C+E*@0E*@ABH0HF#6M+>%='6)Y6%/QE@N4I]"4A]V@8$H
MV$@T&3DCZ3Z*A\@;(TF$1QG9D@"QZXN""PP?=(X98TI$2,E4$B,ZJ&W!U88S
MY9@QID219F)=4B)VB5$`"L6\SHC;=E%YT03G#=&*J%RD.7TM&N/5T'O8@B-*
MC@Q8"D]"8J)$<:9M6(*&V%DS4!KVD`M1DP2A(1D2$R1JHW/'4E(=]I@+42$+
MYHX"9AB0F"F1'B5328+8WJ<$%.XJ:G94@.5A3\986LSMZE.Z6M0SV=X'4<@R
MS:AG=`C0T%PD/:4D/36)X191&./"PRX$:&@NTIY2TAZV\T$4T)0>=R%`0Y.H
MSTR42ZI#[WK:$E!^L$U.W[MVB-#P(YHSPT_2&K;Q*0$UMJ3$8@TY(C/*N);D
MAFU\2D!YDOFZB)\?";L)K*(@7BT2H;X6#76V\4&4)YZNZRK>LO$5,E;1$">B
MI+-X!9IB9_Y`G-@V"%$#\?GW4UA%0YR(U;0?5Y)(L:T1HFXB#`UK"!/-FB$L
M:17;+E6`"@C'KE$+K@%5-(0MYG;YJEPMYM-T\X2HD`5;#@B8$:&M%BE87XLQ
MI0J&*)Q[FXSTI,/RL"=C+!<)6"4)&-L\(<HK1,46TPC0T"0"IIP1)"%CVZ<J
M%#+I]1<"-#2)CBEI2GK&]DX5H'`Y(+S^0H"&)E&TF:B7E(QMG"I`^<'.,KK:
M[F)$5H7^$"VDZT6ZU==BD4-/&A$5&HG%N(`9B9YZD5#UM0A3_OH+4=-,U=NH
MFBB3SC/[6HPIN4YM$85#SU^`87G8DS%[$CE2LA1DB;\`J[G&\)'GF#&FMC>W
MZU#M:C%[THLN1*$]D_"0`;;W"-`8E(C0=*37PO8I38BXM(CRD5Y6Q!^Z"-!D
MP1N!.,R)],QP$R2'/P*K`>77'O20&XLUAELD.+4@./P1&*)&24(C&I*+Y*86
MY"9-R-%FBRA/4O/\"ZMHB!,!4L:Y($3\^5<-*$^<N0`4*T@V1(:F_;-'L]"F
M\H,H3RX3KQ(0I*%(]&>&HK!!2MGCK@90`T7W\CCX2?GR':MH""^2H4;8**7!
MT2N<BR(J9,$F>`$S,L$WBZ2HKT6]P-"G7HB:9JJ6HL:V<[L4];484RI%B,*Y
MGC_WPO*P)V/V)$JD"WG[+2<NF.RY%Z)"%GSDH:40,\:4Z)*2J:1/[,U7`R@O
M[75)=G8=`C0TB4+-Q+Z@3/S-5P,H+^TY/8?N(D!3!UN^2-H;(DPSW`1!,A45
MI+Y-]Z9O.-X9!A#619.0F"`1H!F"H!DV(H.3)7JXW393RH($IR`10?O8>DE4
M0S42UOS1EX>%QF01(X$&BQ.V1(AT,6,209'XPR\/`[>TATED16J_K0OMA-T9
M9;I(@4PB2)!A%R`>!DSMLW-ZJ^T!*J:+%,@D(!R6;^BL9)YI/2PD(GB`6H1,
M8ENZ786@&O/78?!`VCULAJVC,#9#$'\E:C0=_R819(@_!/,PG#Y-0\]RK:.J
M5<@D1(;F*`KZPU^#0:O#6Q:Z.O;EH:&'P2`V)`*DC7E)B=C%B$D`YI>A9ET4
M<Q<,OHZ*/%$H+7E)JMCEB$D`-I!ODGGR4$=%GJB7ECRH3SPSL`L2DP#,D^<N
MHA>Q&S,WB*D;:!#9K`A.&B=\^);D#42W9H),3-O`+D`,R]M0QC<@PO,Q7T<S
M_'VRA9N_'6OD3`Y$2ZUU0>E"(EP8!-#8--%G6%C`5I(Q]HK,8/X&OS1@.5H\
M(.S.*%,+6B!AF)&!A-7P(2AA",.E04TW,3:1A_MXG7SU.146V%22,78?8C!C
M0V@RP0/T2K8P98.<LX&LJ*R_@O#-L.6@88!B6:-I&^:F!$G.V.V(B1,VF*JD
MAZ8QHJJ#:8_P6Z9<8L(&^@U]:\TI%8)-S#2&D"5*-6=,D!8;^N':E9C*DIQ2
M($]R"A.37):SP<A)&^B)GX=-^Z<^<X/IDRC<'OM2#@=^Z02M^R_9"#D'/"#L
MSE@D+<OB8*0T#CSM@(>%1/@LI4_D8/IL"@OL*N@4OWR"UKU=[7Z5^'3G`6%W
M1NUJ00MT"A,U1#K%4Q"8.)]#0;]G;YFZC]?I5)]5(;#I3/AC$@;"D*U0HEP.
M1<&2)/0Y)+4,;]MER6D<V.8:8:-+:'T:!].G5`A,J%SK8R8&8LK!HW!1@C!/
M5,Y'`!R4([Y,G3!Y`Z%+CP#-3(X'7ZX*(J),6KN"K!"B;%%"\CQH<A`8?=H'
M0_,^S,25G/"!*17)^*!YC`A,=*[1)UD(/'F.M'`VF++;*D.R/:3KTIY;!C_"
M=96OHW&3/M%"0%KI)F+B!SKIMT9(X\`U3``-<1RO9/J<"PO82AK&;JT,9G2`
M'8R0H<`#5'9U(K*`J:M&C@M3^AK>VA5@(1'!KAPT:E>WV5G`5MAOI73C9]GZ
MK93+&\RS%0SEPZIXE"B1,ZV[PO8HGM78Y97!Y`YXOIGG9-JS*:?UVZP^!T-@
MTKG90-QFL:4!9G:H^L0/1<87+XK4#Y#T&G)"'_?GYWVW?WV]W.U.WUQ"Z]0V
M_?%7R+;=FOLV=1F3R=\[FX6[__OFH\#FP'[?/N__L3T_']XN=Z_[)]MDLG;O
M-<^011M^N9[>[0&7S81]NMKLU_T_7VRZ\[W-R)RL+?CI=+KZ7UR>[N\^@?J7
M_P,``/__`P!02P,$%``&``@````A`,A/%=N^!@``XA\``!D```!X;"]W;W)K
M<VAE971S+W-H965T-C$N>&ULG%G;CJ,X$'U?:?\!\=Y);.Y1IT<#H]D=:4=:
MK?;R3!.2H`DA`GIZYN^W3!FPRPE)>.GN4,?5QW4[)G[^\*,\6M_SNBFJT\9F
MBY5MY:>LVA:G_<;^Y^_/3Z%M-6UZVJ;'ZI1O[)]Y8W]X^?67Y_>J_M8<\KRU
MP,.IV=B'MCVOE\LF.^1EVBRJ<WX"RZZJR[2%C_5^V9SK/-UVB\KCDJ]6_K),
MBY.-'M;U/3ZJW:[(\D]5]E;FIQ:=U/DQ;8%_<RC.3>^MS.YQ5Z;UM[?S4U:5
M9W#Q6AR+]F?GU+;*;/UE?ZKJ]/4(^_[!W#3K?7<?#/=ED=554^W:!;A;(E%S
MS]$R6H*GE^=M`3L08;?J?+>Q/[)UXGKV\N6Y"]"_1?[>*'];S:%Z_ZTNMG\4
MIQRB#7D2&7BMJF\"^F4K'L'BI;'Z<Y>!/VMKF^_2MV/[5_7^>U[L#RVDVX,=
MB8VMMS\_Y4T&$04W"][1R*HC$("?5EF(TH"(I#^ZW^_%MCUL;,=?>,'*80"W
M7O.F_5P(E[:5O35M5?Z'("9(#4ZX=.(`>VGG"QYZS/-O>UDBHVZ#G](V?7FN
MJW<+J@;^9W-.10VR-7@6._,A/I=W!FS$FH]B4;<4T`VDX_L+8[[WO/P.,<PD
M*$80M,``XCHB,1&.,T"60'!@"7NG+)V;+,4BG:5#&,0(";LXBYTER@.-`(3F
M<0)B$:1:B0"$R1]VV,4R1I"K@`@BF4)H),')XR3%HHT-^Q[2!"0#0A)!`:;:
M73E1J`,2'>!QI1HTBE#NCU,4BPR*A$&,(+^CZ+"05&.BFGTGNE)G_AQZ8I%!
M+](#%",(Z3TQ?T7YH=WMZ#\QOAJ6:^$+='[372K`E%<P.L;R0Q#R8BZ+`A+7
M1`/`L'%&@$9-:!T9)+=;5"PR*+)A[T@109)BR$)2G(EF=P)^);?1'()BD4&0
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MEHJPBS)"JBN6J,DV04>7(3K166K"4`MN]7.O&&/7D[TDTM$=1/DL8>E646$Q
M^EFBY'3FS`W)Z2+1$0YS^=A26CPY49?[YF.WRJ!)>UJBD":\<E&!UNR^<^WL
MQ<6P?W@R=JL,BH1"+%%($8Y_?&Q=U&@)Z!M_C+,>13'F%8K3,LA1%/2AK4PU
MG(@2U2?9<4)R_$ETA!,$2O?K],1\5^C=F62QBD8P&`>(I(FHGJ9/`0E7`1&\
M(0QG$9WC+'$1+^`F1Q*H6*(PB>9!43-[RD%<)SA+7O@E>0GH25&B9)6Y@5&%
MO;R,D^G:<9$_)#(=VL@Q/2Y*5)]C-R3\$PT0A=$X-O40$I6YT287U86$)N93
MTB%[>`JB$YRE+OPN=9$HZ(;A3#F&21*=$B"-J#C"/M[1W2J:;4-=)$IFFT41
M::=$`P2J7><X2UJ<2R\PQG%1HF1'DYF4:-:Q5G5VLU3%$:N,"%)5D2C9SMPS
M`HA>I)VMKE%\2%6<NU1%HOKD!KX1.W2#@"!4DJ^'3TSUAR7%02T@RC<J`DJ*
M1$UURB1$)SI+5QS4%8C%T*P77@`E:I(H.KH,T8G.TA?GHKZ0I,82A4EUHF@\
M#.+@N6[7*1)MN>\<X5Q\D2$]$4N4&BA%XB1-](1]PT:5TDD2D;F3Y$6Q&1M3
M5F:O).*K]Z>(A#EQ-+-"7R=(1&9:!1W4!-(RX]XE,43U"5X1>R*]]'9OM&O4
M7"(KT]0Z-!V&`1V&$J4FENK>)$0G.$M37-24&]TL49-$T=%EB$Y4C/B'YZ.+
MPD"23<HLEBA,)O,XL2?2CFWBLBOO+*X8](\S1'D@#&DS=[XWMAHGI1NPF0>,
MZ*6Q(O0H@H<9',4JHRYI+[N(ZD58>?N4_'K[*`'*'G2:1&-NM`U*`@GAV)'8
MT7"M*C8Q7/T825;M+J,!Q"M5O'$L\WJ?)_GQV%A9]2:N2SE\$S@\Q:O<F*UC
M+N[CR/,$KGB[Y\O!`#>LYW2??TWK?7%JK&.^`Y>K10",:KRCQ0]M=>ZN`5^K
M%NY6NS\/<)>>PWW?:@'@756U_0=Q"SS<SK_\#P``__\#`%!+`P04``8`"```
M`"$``5&0Y4T*``#Y+```&0```'AL+W=O<FMS:&5E=',O<VAE970S-2YX;6RL
MFEMSXCH2Q]^W:K\#Q?L`-C875Y)3`=]OM;5U=O>9$">A!G`*2&;FVY^6I;:L
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M`F_#.(D1>*CK[\(T>10(&@]9Z[`9@7\=>H_5T^IM>_IW_2.N-L\O)QAN%YY(
M/)CW^,NOCFOP*,@,;%<HK>LMW`#\[>TV(C3`(ZN?MWT;.MX\GEYN^^/)P)V.
MQA:8]QZJXRG<",E^;_UV/-6[_TDC2TE)$4>)P*<2`;DOMH5>FAN`3]5V,G!L
M=SJ[Y@8@FAL1^%0BUF#FNLYD-OWZ4\R5"'PJ$7<PM4;S\14:%@Q@<R?BGZM]
M88';9&L]'+_Q(-889>"?:Q]E*`.DB3=_=5K=W1SJ'SV8Q!`"Q]>52`F69\%(
M8Z3)N&AC[Z/0@Y@3*O="YK8/`P51=83Y\GYGC=SIS?`=@GRMC!9GC$R+)5J(
MB!:Z/@4!!2$%$04Q!0D%*049!3D%!05E!PS!MZV#8<S_'PX6,L+!Z)D%`NUQ
MFS@3+;")3T%`04A!1$%,04)!2D%&04Y!04'9`88S(?*9,\<P)\_G10Q.T0HR
M8"<X;<LUG;60-I-IQVABFBQ;D]:AC`2,A(Q$C,2,)(RDC&2,Y(P4C)1=8O@6
M)C_SK:@Y5V8"(7/;GY!4,#-]N5!6E]S=FK3N9B1@)&0D8B1F)&$D921C)&>D
M8*3L$L/=X%G#W9=#6%@W7D5G+"2!HH!DJ8C3$E\21V>-@)&0D8CIQ,PF821E
M)&,Z.;,I&"F[Q'#8A#A,5JJ!*..GE\WZ^Z*6*YHSCAQ#19)U2HB8?I0$`KWU
MHR(=/TKBP!*B+6^V2T(Z:(U0*&0D8B1F)&$D921C)&>D8*3L$L.U,`V-6/PM
MUPH1T[62B!S2<=O<S`1+9=3QMB3NJ%E&V"-K;+8(VNNMHQF)F&K<VHC%":B2
M:IFTUU$U921CJGEKHU0M\UZ+]CJJEEUB#`)D3&,0SL0Q+-XQD(6UZ6U)/O&V
M,NIX6Q(7EB]ZD"8C\S&"U@@?(V0D8B1F)&$D921C)&>D8*3L$L.M,&FO<*NP
M-MTJB05SI^,?,LQ+9=3L".7"59%.ZE4$/K202V9#*(WL9G?8"$6JF9:.%='2
MB2+P\;%T*HTZTIEJIJ5S1;1TH0A\?"Q=2B,I;3A?[)>N\'YC;KI?(;L;G]:8
MQ.<2K>PVB_N(8+VC[WQ"9GV`5DZ3;%QK3I)-B`:Z/D2(=&<Q(C-*2&<)6DUE
M9Z,Q&?T4#71G&2+=68[H8F<%6LG.)NZ8[,9*-&@Z,T=-[&7HIA"..ZZHLY;<
M#L$R$#/&0B$;9FH[()9-[FJ)5O.VH:\0K/-1*T!DJ1I!'!GB=>VUB`O':*6%
M$T1BQ?!^-[-)D4_QNA;.N'".5EJX0"0#S1K/R`:D1(-&V1P.L1OZF\,A-U3&
M<$@T-JKSA(3_4IQ=0$(<3UK?^XA$/.!FW^832S6<-8YTYC/'+"DARNB!CA#I
MSF*%',@C'W>6H)4,!\>V2'Y.45EWEB'2G>4H<[&S`JUD9Z[EDFE>HG+3F3F2
M8O-%1]*"\RA<P_Y9OS9',I=KOS@)(E5*(5*FB,^7:*4SOH](3]0`T<6<'RJK
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M&?2J0%G)FF/-1V.2`$/5:*R'-$*DI6,NG2"2HVS-IPZYQ11UM'2&2$OGJ*/O
MND`DI6W+'I'\4*+.F8(B=I-T3+HSY(L%1<B0<9'(@3+>*;QD.;2TI!5\X"#X
MB'1*#A!=3,FALC(*"I./44O+)X@NRJ=</L.&^NYS1%J^0'11OC3DS7DCMJ;=
M,?JDN,N=K+%4D\@QMS)DS;NTI)51110R&Y(4%:B&CBPL\(LB280A*NOD'R'2
MZ2=&!).P$S&DLP0[$R<9[W?0&4E`*<KHSC)$NK,<T<7."M89R0<ERIRI/3#<
MUXR:,"<S2"+'N,4IV[E**P@?/8,4TC$86$I+5M%S0R0-C,G#E&,E`T^-G26(
MYA^.!U/.L(V^YQR15BX0M<K,^5UE8\K`8YC._\U?)1N=9E1T2,+ODF3F+-`,
MLDT;N60.++4-NL[G*.`HY"CB*.8HX2CE*.,HYZC@J#20Z7VZ_;^<L,3BEH2^
M0IT?'I8<^08R[T!L'KLI\[<.I"$3LAN3"!8Y.(I+906K4$2^0N9Y_Y1$1*"M
ML&'(4<11S%'"46H@TSN?[2*_M"RV^292(;$$;.>!36?+$JVZ#I-:'Q_9JS9@
MH'W5MD$4<>58-_S@V%X;H$QJ(--S=&_W263S#9TMT6<N4E9=%TEDGK-/R2(R
M4/)@A4\3<A1Q%'.4<)0:R/2,V!5T9]PGGI&;B.XB1>R/Q7K<6#!.Z8)1677+
MG4*NT9#N=P*TDMN6;Y.Y1:1#90%Y#7T7\=YB1+`RTC%.>TO0"BJ4MIJ2NI'J
M'CM6,UWA30^+S4G7PR*G77>H:@L)<Y&AD`O1I6]T1M942[32:<]'I/<F`2)U
M"C!RR&%@B`:ZR$>(M'*,2"LGB.12P+$<<H,I&C3*IMO$%N!ONDWN(HQ@5<@X
MZ9N1M>I2C([PMYZ-/J)/@E4U5,'JPOMJY/03=72&B!#IWF)$1D+FP:IZ,Q::
M,S)X*6J9D4*#5;Z1*-\0VU6'YVI9;;?'WKI^$V\;0L6^NVFQ>A72'GGW(`Z3
MCER!=16\)=E,1W(%7I^\;Q;SA"_@M<KF\2FW0>A<#V,/WF?A/=\[WCTL/_F%
MA>/!&QF<^S,/?D'D?&%;GEBG\"NP2/!$C3YW9>R%4(/X%:AFT.;<%=]VX,K9
M.W,]>$7CC);KP2L7G.>N!Z]0<.Y///C]_PR?>N&YP8NG'OP`SNWSJ0<_80,?
MMF,$+YZ^KIZK8G5XWNR/O6WU!*$R:@ZU#_+55?GEI`ZW'^H3O'+:G'._P"O&
M%;SG-QI`B#_5]0F_B`[:EY;O_@(``/__`P!02P,$%``&``@````A`,)XM7`]
M!P``"1X``!D```!X;"]W;W)K<VAE971S+W-H965T-3(N>&ULK)E=4^+,$H#O
M3]7Y#Q3W"R1`^"CUK0'D0T$1^=*["%%2"X1*XKK[[]^>A)XFW:RU[CE[L<2'
MSC.3F>[)A%S\\W.WS?WPPL@/]I=YJU#*Y[S]*EC[^[?+_&S:_5;/YZ+8W:_=
M;;#W+O._O"C_S]5__W/Q$83?HXWGQ3DP[*/+_":.#\UB,5IMO)T;%8*#MX=O
M7H-PY\;P9_A6C`ZAYZZ3DW;;HETJ.<6=Z^_SJ:$9_HDC>'WU5UXG6+WOO'V<
M2D)OZ\;0_VCC'R*T[59_HMNYX??WP[=5L#N`XL7?^O&O1)K/[5;-P=L^"-V7
M+5SW3ZOBKM"=_"'T.W\5!E'P&A=`5TP[*J^Y46P4P71UL?;A"O2PYT+O]3*O
MK*;J-/+%JXMD@.:^]Q&='.>B3?#1"_WUT-][,-HP3WH&7H+@NPX=K#6"DXOB
M[&XR`^,PM_9>W?=M/`D^^I[_MHEANJMP1?K"FNM?'2]:P8B"IF!7M6D5;*$#
M\']NY^O4@!%Q?R:?'_XZWESFRTZA6BN5+0C/O7A1W/6U,I];O4=QL%ND0=91
ME4KLHP0^CQ*K5*C8U5K]*Q9H+^D*?!XMM4*]6JTX]=J?=Z5QE,`G=<6N5ZVJ
M\X4+LO"*]`%ZOMX9JXRC"P=_?TU6#35P<-14OCZ^%M1\.M=P<-38A9I5:I2_
M,,`V9HP^^/O.V#C"^N#O.X.79-,EE>F2/DM93!3[)%,J!<J43\XM0Y4F`ZD/
MCGVWZB<3(L\MIF675'''C=VKBS#XR,'2"(,8'5R]T%I-K</Z316FHG]7T%#)
MVJ*TYC(/@P"U&L$J]./*LNS21?$'+!VK8U#K3%`VHHT1>IW0W@X'UQQT.>AQ
MT.=@P,$-![<<##D8<7#'P3T'8PX>.)AP\,C!E(,9!W,.%APL.7CBX)D#9>87
M)T:9R31$3)XZG;TBY)M).BBY_T?2:8U..NQ""P%EH<T2#"/PE`X'UQQT.>AQ
MT.=@P,$-![<<##D8<7#'P3T'8PX>.)AP\,C!E(,9!W,.%APL.7CBX)D#I00Q
MDXE3I=HBYG3V,@D&MSN18'IU.[\KP45,GP7[CY-%K%&J91.HE<8X<",T*YV3
M#6F;$.QY1Y!K0;J"]`3I"S(0Y$:06T&&@HP$N1/D7I"Q(`^"3`1Y%&0JR$R0
MN2`+09:"/`GR+(A2$M$TXQPJ.:TJ,Z^9_*N<R3^]*_[B755K+O,.NZU:V7QK
M':,^2TD3@I?3$>1:D*X@/4'Z@@P$N1'D5I"A("-![@2Y%V0LR(,@$T$>!9D*
M,A-D+LA"D*4@3X(\"Z*41#3-.(>J+:,R\YI)2<B^S)+X^5*HHY/,P\9:*;'L
MFKG=MB7J9%"F?8>UGVXT"WKG'V_\U?=6D#[FG>E7&3:4Z3932[+=2HE5@2V+
M69`;%K_M'Z-*%=/Y3HHJL/L^.:^<+:UK$X3#T!6D)]U]$W3JKF3=`Q.$[AM!
M;J5[:().W=6L>V2"T'TGR+UTCTW0J9O=WAY,$+HG@CQ*]]0$G;K9W75F@M`]
M%V0AW4L3=.JN9\?DR02A^UD0I:1<M4S8J;V1M:NVB4*]HA0#E*D%6*J_4(LZ
M.IOT*;%J=O*D56[4&BRYVL>(DD,)CX@*^#KKJ5C5"KNW=/&DY!>DI`9[B$C=
M1T3J`2(8%E-?Y3*;[QN,(OTM(M(/$<&G<=D.J_'1,:JF5XL?5XU2\B\[2W=H
MHO;N$5%[8T1T.0^(ZHF\"K]E9<T3##A=3RIU]@3\B%'4V!01-39#E#8&/Y&P
M96F.`9\VML`H:FR)B!I[0G0Z40W^Z/Z,431P2B$COVH=60WN3+^?*H7I"8M_
M\E.!4ZW46;FJ#NJ3)C/E`_NA3/G\U:U$2[)5E1*KYORVJC""AJ^#B)Y"KQ&E
MGG-5A1$TFCU$I.XC(O4`$8R-&5Y951A%^EM$I!\B(OWHB.JE3TH(3R/Y/2*2
MCQ&1_`'E5B*763W!<\C\B(C,4T1DGF7-LCCG>`Z9%XC(O$1$YB=$I^,MBP.C
M2*\4,O*KUI'5;;,HJS:R=-7Z9ITM!90E#61*`5:`_[T4M"1;"BFQZIDRKK)[
M7ANCTM_UD]_K$-&:<(V(1J*+B$:ZAXA<?43D&B`BUPTB<MTB(M<0$;E&B,AU
MAXA<]XC(-49$K@=$Y)H@(M<C(G)-$9%KAHA<<T3D6B`BUQ(1N9X0D>L9$;F4
M0D8RU4(&GV:I$3==A3G0@!]7**S,,D6_@=(I9M635M,,3E\II3]&[[SPS6M[
MVVV46P7O^G6158%EPN#T7=;2:<*>#393C,,6#5YRG?T&WGXEU<;.:.FW8LD[
M)/Z%#5^</:,,7Y3/-5YIPOC)3K6`P]/8F2^J37A,DKSC-.'I0O*^TX0G`\F'
M3A-V]9*/G2;LR"6?.DW830,OFFN&%W$']\T;N>&;OX]R6^\51KZ4/).%Z:N\
M](\X."1O"EZ"&%[!)8<;>.7JP2_TI0(\P+T&08Q_Z`;,2]RK?P$``/__`P!0
M2P,$%``&``@````A`%7[%F_S#```ICH``!D```!X;"]W;W)K<VAE971S+W-H
M965T-3`N>&ULK)O9<N+($H;O3\1Y!X+[!B3$8H7MB38@-K'OW-$8VT0;RP%T
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MGL?1K]9N__QRANDN08]4Q_S'O^J[TQ9&%&1R;DDI;:-7:`#\/W/8*]>`$=G\
M>9=UH>+]X_GE+ELLYTJ50M$!\\RWW>D<[)5D-K/]<3I'AX4V<HR4%@'+6`3^
M-2).\=,BX)&Q"/QK1-Q<Q2G<%"L@>Z7R&U,._L7*RU<+.##(<4WJ!Q9QJ;U7
MZG**6!1^8%&'FOF;X^5X*`,_L+._/=H.=$^W'WZ8TD5JP[7F5[`D_#`E8=BN
ME<!9<6A:G.IOC96;N!;\,)5]WK5<<,RXL^K'IX?*Q8%6/SXU5,K[=;WDU->'
MRL5I43],7=>'*J_78KRTZYOSYO[V&/W*0+R$`3N];U3T=7REAHM:3U2RS/]N
ME</R5BI?E<Q=%B8.%O`)0M//>\=Q2K?YGQ!/ML;HX8*1;5%#"Q4\E&Z=@P8'
M`0=-#EH<M#GH<-#E(.2@QT&?@P$'0PY&'(PYF'`PY6#&P9R#!0=+#E8<K%,@
M#WZ2.`NLB_^'LR@9Y2PXRP\(R'M<YAAH@47J'#0X"#AH<M#BH,U!AX,N!R$'
M/0[Z'`PX&'(PXF#,P82#*0<S#N8<+#A8<K#B8)T"EF/`%B4<HPA;WN74`(.&
M*@5)0"IH5(L\9FB;,FPB260I,]](3!+G$*0A2"!(4Y"6(&U!.H)T!0D%Z0G2
M%V0@R%"0D2!C02:"3`69"3(79"'(4I"5(.LTL7P&MDGA,RJ=_.3.HV3NLF6V
M]3`?>3!6U]PH,4G<2)"&(($@34%:@K0%Z0C2%204I"=(7Y"!($-!1H*,!9D(
M,A5D)LA<D(4@2T%6@JS3Q'(C\!C+C:Z''&4=>PM.\H,F'NU&-4'J@C0T@>0:
M=0)ATQ2D)4A;Z'2$35>04)">T.D+FX$@0T%&0F<L;":"3-/$FAQ(**W)T=EE
M3MUFG5_VV^\/D;[ANS!I1<@B=6ZI1.PYTP2"!8Y^S1":C[HF'B32R<91]0KV
MUM%(C%`H$*0I2$N0MB`=0;J"A(+T!.D+,A!D*,A(D+$@$T&F@LP$F0NR$&0I
MR$J0=9I8+@,A^M^[C!*Q7483M;\D[N"6;FQWJ!FCE!=I4BK$MS1NP2G:)1K)
M]<2!!&D*TA*D+4A'D*XFJ9@3)C;JA@M:Q[+F7G(=6]<79"#(4)"1(&-!)IJD
M6C=-;$SK''OL9LEU;-U<D(4@2T%6@JS3Q'(NR!+^O7,I$=NY-/G`N8Q1RKDT
M`><BGZQZ;)0:B1&.4B!(4TBW$INT-'./=F*$TAU!ND(Z3&S2TJS5O<0(I?N"
M#(3T,+%)2[-6CQ(CE!X+,A'2T\0F+<U:/4N,4'HNR$)(+Q.;M#1K]2HQ0NEU
MFEA."EN6Y:07-D<X,L+=45G;WJB)!_=J2:BK>BQPU;214TFVT+HAE`@U-"FI
MG?CG??&F6JRP`0NTA1N?&\>;=5/HMHQ*NCENF0U/6QMY%1UG<UZQD/Z/67=$
MM5U1;6@(=:>G2477472*91XO^T)W('2'B2Z-KNC.R!C=Z)'+%5@'QJ*BB:AH
MFE2$'C/3Q'3`+57<:L4.J7.ANQ"ZRT3W2@=6Q@@[X%3MBM;IBBSG50?=G_#>
MV-QV7X/4F6[*?SV[`36T<LF!$943U$#DQ1/A%%S/8P<,`9I0,ME$1-HM1*3=
M-LC3VL6<P[*)#I8AY2XB4@X1D7(/D?94I^RY?%?HHPEI#Q"1]A`1:8\,\E0`
M@9PA5V&!88QE2'F"B)2GB$AYADBWNE0M5=A0S]&"I!>(2'J)B*17!B6-=IGR
M&LO$RK8_JK/,]`'W]6CJZ*-/.$[`5?=@$(NGK`4U8Y4.J(A(JV&0":E?BEZ9
MK>#`6*1#*NI0K&XA(NFV02:$.KDJB]4=J=Q%&5(.$9%R#Q&L^=2"9"<L?9(G
M*[?*;K@&J$4U#A%1C2-$.OS`0R][\8^I+IRE"18AX2DB$IXALKO"Y.<D?Z4K
M"]2B&I>(J,85HK_IRIKJ@J[8GJL.6].>^X]NGAU]9&LYM$8E.%))S2>+\#53
ML$2+M8Z(5F8#D5[T7QRU:]N3%:`)#4H3$6FW#*I2*M%&Y,2ARH.'RK9R!V5(
MN8N(E$-$U.J>04[!WF-8`.]C2<C4DH&ZX-)F.*G*H2F8ZLP(JS2WDJ6<Q[QN
M3+614POI*5I1;V8HS7K#%N@<2U[MS0*MJ#=+@U*]66&5IC=BA:Y1)IX:VZW5
M@?"_=VMSK$Q3_Z`>F*M,V+J=*C%OK*&5?JM`/V,T!:G+#;32J:]7K10]YAP!
MFM#]7!,1:;<,JM+^UD:DM>%E`.\F_1];AQT4I7JZB*B>$!'UH6<0)#TZ"[V0
MO_>Q&(D/$)'XT*!4)T8H#G%%YQ'7,_8QJE)%$T14T101]6*&%6$O+J3M<RQ&
MX@M$)+XT*-6+%8J;7A1%HKY&G5C:]F-U(GW-CZ?1>_QX_8.$PQQLIQU9(SL!
M+K'MO`8G+<K=X5T%#!=U1!0;&HATDJKN&4HLX0O0A`:]B8BT6XA(NVV028#=
M"_'9-)&4NRA#RB$B4NXAP@2X4G99_M]'$](>("+M(2+2'AE$N21;V&,L0\H3
M1*0\143*,T2FU96;:H6U>HXFI+U`1-I+1*2],LBTNBBRNS66B95M1U6G\]Q1
MW;)Z1^N#Y[/J0(N=+1AD)\,E=GM;,U96,JRUX-T>=-<&6J63,7$F&Q@K*R$V
M6I1YM8Q5"39,VJK%*8.Q,CER(5=E:Z$C*^L:E.I+B(CZTD-TM2]]*3_`@M27
M(2)KH^9]&:&53BRA+W9R-)9U3;`(U35%1%V9(;K:E;F47V!!DE\BNMJ5%5IA
M5WBL6UN5V<ZMGB-PYU;FGWR*K%YTTZY._@-O,+$<[0'-X(`Y<3.69]7(!CV]
M+E%#HD"BID0MB=H2=23J2A1*U).H+]%`HJ%$(XG&$DTDFDHTDV@NT4*BI40K
MB=86LCU,/4Q`#U-1]H/]7#][L.ZW-()4`AVB!M%$N1O((:H;E'H0W9`HD*@I
MM5K2JBU11Z*NU`JE54^BOH7L\8.U;XW?/[N-52KLG%`C6.PXAC7UYB@?5HT^
M>`YL"H(5:@42-25J2=26J"-15Z)0HIY$?0O9(PT1^_\PTDJ%C;1&CF?=+I=8
M<E-ST"P9Q+I!?__\E`QHX+4,E$'4E,HM*FB>+K(<I$T&*-.1J"N50[(RRBSS
M[I$!*O<M9$T*Y"WVI%P/'[&Y/?H&L=L!=A920RM*(^N(*(UL&.2488R3#:Q:
M8EM8@"5I:341D7X+$>FW$:73,#@(ME.3#EJ1?!<1R8>(2+Z'R)9GF4\?K60J
MK,;06B$?3(8\#(X5[K(L_V6W$#5C!4$1/:2.B!*M!FJ9^P5V4A&8R]`;%&FB
M".FV$)%N&Y$Y<F2Z':G;Q1*D&R(BW1ZBR[I]2]=>`^H8Z_>W4/7Z/8M`!JDJ
MR&W+K&<UM"(GJB,B)VH8Q-9`F:WR`$N2DS81D7X+$>FW$5E.RM/W#EJ1?!<1
MR8>(2+Z'R)9G-S)]M+JP!M+G;Q_G,_!!D9@,C>PU4.:[@2EHK0%=$'8P].@&
M6B6/+=ST61C\;GQA@3TP1:QU883)?ULH3'6U$57TVSS,>SI2MYN42!H<(B+=
M'J++NGU+5Z\+_8F5_@[CL#L^[VJ[U]=39AO]4)]/P8O3][<)QF^[ROY74(*!
M8U?@GL17Z:N\`M^#?8U]292``A?L'USX?NP2+_KP%N\%?<__JK,O7H'GP_N:
ML@#DN+[*8.45R%A]E8_**Y!_^BJ[E%?J3A6NQ//`ZH>T`^J)<SEV!=(&J.?2
M%=CV0>W2E3HT[5+]8<6'UZ!DNZ85'UY`DKQ>]8-+K6U5?7CO1MJ'T+U+?%CU
MX8T7:3^M^O-+?%GUX5T3:?]0\NMQ>&!C%)1\>%%5VG=*/KQX*GF_Y,.+I)*/
M2_[T$J^#O\;NFD\JAJ\$WS?/N][F^+Q_.V5>=T^P#`KQ:Z)'_9VA_N-LCE2_
M16?X/C`^77V![T%W\*50(0<W_4]1=,8_H$'YY`O3^_\!``#__P,`4$L#!!0`
M!@`(````(0`3#I-MS@X```Q#```9````>&PO=V]R:W-H965T<R]S:&5E=#0Q
M+GAM;*R<66\C.0Z`WQ?8_V#X?6+7Y:.09!"[;A]8+&9WG]V.DQ@=QX'M[I[Y
M]TN5R))$5F*[IU\ZG4\45:(HB92J<OO[G[O7SO?-X;C=O]UUO9M^M[-Y6^\?
MMV_/=]W__)']-NIVCJ?5V^/J=?^VN>O^M3EV?[__YS]N?^P/7X\OF\VI`QK>
MCG?=E]/I/>[UCNN7S6YUO-F_;]Z@Y&E_V*U.\.OAN7=\/VQ6CW6EW6O/[_<'
MO=UJ^];5&N+#)3KV3T_;]2;9K[_M-F\GK>2P>5V=X/F/+]OW(VG;K2]1MUL=
MOGY[_VV]W[V#BB_;U^WIKUIIM[-;Q^7SV_ZP^O(*_?[3"U=KTEW_(M3OMNO#
M_KA_.MV`NIY^4-GG<6_<`TWWMX];Z($R>^>P>;KK/GCQ,AQV>_>WM8'^N]W\
M.%K_[QQ?]C_RP_9QOGW;@+5AG-0(?-GOORK1\E$AJ-P3M;-Z!/YUZ#QNGE;?
M7D__WO\H-MOGEQ,,=P0]4AV+'_]*-L<U6!34W/B1TK3>O\(#P+^=W5:Y!EAD
M]>==UX>&MX^GE[MN,+B)AOW``_'.E\WQE&V5RFYG_>UXVN_^IX4\5*65A*@$
M?J(24/>)/&BN&X6?*#\T;7Y2;X#UX"?6&]_XH\B+!NIA/ZD(WEXW"#^Q8GA1
M@V.L!S^QGA?=>&'_7'L>C&/=H/H/UO2]BVJ"Y71-,R+>S2B*PL%H>/F(>`&I
M@?\T7;Y434\[2>USR>JTNK\][']T8"*#&QS?5VI9\&(/1IN\39N^\;^/W`_\
M3FEY4&KNNC`8X%E'F#/?[[W^R+OM?0='7Z/0I$7(E9B2A/)JI3?A(.4@XR#G
MH."@Y*#B8,;!G(,%!TL+],"VC8%AT'^%@94:96"RS(2`L;C/C$D25"7A(.4@
MXR#GH."@Y*#B8,;!G(,%!TL+.,8$U_\5QE1J8%FTO#4*N+-JF<'0$AHP`S<B
MC84%207)!,D%*00I!:D$F0DR%V0AR-(FCK%A-?@5QE9J[KH#MC8P9YV@U&?F
M;D0:<PN2"I()D@M2"%(*4@DR$V0NR$*0I4T<<\-6X)B[?;^G!5=)UU8E8TPT
M@6V"R!1)V)!$D]`L(ZD@F2"YT%,(F5*0RB9.1V&O=SJJMYP;M1>>7K;KKY.]
M#D]:#!#`UJ(W'*7$[;\F$"DU_4=B]5^3$#;_9I_RAVQ:IXT0*<H$R04I!"D%
MJ6SBF`3<_N^;1"EQ3:*)"AY-=Z,Q6\50R+*2)E&_WL?]OA>X-=*FO#&0(+G0
M6C0R*CH`K6P%*)MRTEK9Q#$7K"6.N5H\!<)'<A4E[=I%DS-V02'++II$L-,;
M<PZ'S#B-$'4C$R07I!"D%*2RB6,.<.<KS*&D77-H$L*FV_0K"D*W7U,MY-6)
MCX[-D%B+"1+XT2CRN;]E6LBODZ!:48[5C.H"B5%=(H$?'ZNNM)!6[5A(!>U7
MF*@6=VV$*(3=LGF`*(B8D5#*]YM%*"%D5_0'S/E3D@IU[!R%_3X3R4C$+'`Y
M(=-<00B6FN8Y17,E20VQN8'OLTE>D4C=G&M,%>K:.</GT\_3D3$$`#0C)HA"
M^R&C@*W#4Y2R78Z0T94BBM36\/U^%(Y]IB=#"=OC2(_E<H2,ZA+14%MIX`V'
M;%)4CFK72"J$O<)(.N)UC*21;R\W4<"6FZF'4L8%$D*#QN`I(>U>H^$@8IZ;
MD83M74)U05)&=4E(&VDT\/BDJ$BBQ9-4['F%D3!4-4,T45DQK&9L[1KQ::FE
M'$]"9'2EJ`L]R??&HSY+"C(4<5Q)Z"Y0RC.Z2T3H2KX7C89]]R$K1[?K2RIF
MM,VD(B9_H(Y_/C@5HJU/9?1LL4?$W(H'!21ENY76Y9NQ3TE*NU4X]$?,/3.2
ML-T*]1C5!4D9U24A[59!%`3L$2N2:'$K%7IR>\$QSW41I@H/N.TT\F$G;A97
M6*K=@9QB17_<S+\$46`VO131T*O7+7_0AU,O5U%&M8RE<JF[("FCNR2DQ\4?
M]8.Q6-YU5X):M^MM*DK]^];3L:ZSH&D40,N-]0;">"AD7"'Q$$$XV-036UI*
M4B.]#T1AY(L=%!69@<FIEFFN0!1"R/!Q<R5)Z>$;!=&01TP5Z:Z;<TVL(MO/
M3/S'_KT^FCNSL^H`&6QLGA2.W=A03V#9JQW9MA_;(Z=&AC;I1*)4HDRB7*)"
MHE*B2J*91'.)%A(M'>0:7\71MO'/&%F'W8XC:P0+-AEK"FN]LC&L28021':R
M+5$F42YU%5*JE*B2:"9US:740J*E@US[J2C;MM]/Y>^>CM4=LVH$BQ?9<(I2
MCEFUE)/#AP';\5.L"%*D*Y,HEZB0J)2HDF@FT5RBA41+!SF6AC#C%UBZUN(F
M,XC4-F&6.)ZH34G*\FE$'Q\-&('&[A+E4G-AI#XX'C`"I+F2:"8USXT4:F;;
M[,((D.:E@]PQN2[Y46$6"R(0G3.^KFA[/E8\<_Y@I*@WF42Y1(5$I4251#.)
MYA(M)%HZR+6R2CWL->;S-1KR;6%EC=S$(&01P10KPF9!QDH015#?S`V1KZ,4
MW`,KI_+X^I-A.?@1*<YE6P4AV#P^;JLDJ;%NRV-[=R7;FE$5TZ\YH4_;6I`4
MMA6Q6&+IM.4.F<J#KA@RG3;9Z[^OD?**QAHRX24I$Q0GA$P0ER(*\3R%)P\9
M53%[34[(*"X(&<4E*5;'BS#P_(ZSHBI&\8R043PG9!0O7,5^Q$9Y255DNN/S
M]/#,9)$Y8:WA;!:-4LYDT;H@6"`W3TF7GAE#?JJ38;DS,U"+\=:"VC**2T+:
M-4=C=H)12<4SJF(4SPD9Q0M$F)M[_8%P>OU\^I%=IU=9E.WT%V?F*G?G&X-&
MKO^'[&&F6'%L@L^$D-FH4T0>'+'5N]Z(9<\9U3$>F!,RF@M"1G-)2(]O*$Y[
MJ-PHGA$RBN>$C.(%(:UXP$^ZEE1>*W9'0>5U]BB<F0`Z#726'HV8Z=EIWQ2.
M/M28.:9'9/J1HI0R/4V*C&H:E!,R1BD(&64E(>/!%2&C:T;(Z)H3,KH6A(RN
M):$6FYY+42^ZI?.;#)5,,4%TY@R%I$S\GB"RSU`0X1E*,.+;=$9US-*;2\T%
M29G-NB2$)UOPHHY[-E.1@-$\DYKG)&4T+PAIS7#P+A9Z;;.6DQEE,\?/?RKS
MJK6P?$!GK\[)#!R@N%V>8L7`.%Y"R#Y:D$<S)*6/9B)OP"961@)FM'-"IK$"
MT9F#&9+2!S.#B-^C5*39-#8C9!J;DYI/3X$6)$6G0'PU7)+FNC%WT3J71E]V
M!@2GC+B/F*`)SH"8A2<D9@\4<[RID:')FDB42I1)E$M42%1*5$DTDV@NT4*B
MI8,<X\,BXLZDSW>,6MR=,HBLTYVI1(E$*2(KL<ND5"Y1X2"W-SPG_:EU(9"I
M*B(O=$+RD!WR3QNQ9L-+$#FG-%'(3VF,%'E<)E$NU1=&RGA]%+(8IS12I+YR
MD&O$ZU).6)YY_(;H3&)/4F9C3A"=2>R-%/4FDRB7J)"HE*ARD&N9ZS*[0&9V
MB""\PB,8MCQ-2<#LI@DAT-9D@W)K(2G,\^`"RF?;5D8B)B/+"9GF"D*?-E>2
ME&XN\+T^\[F*)&2:%J@LXO(HM19G:X[.0^!,`\W(NCK%.G:&1LCD.RDBO.<,
M_7#,)G2&$G:.1GI,\%@0,JI+5[47!!Z[WZD<U:Z;\5SJS)HL$R@5OT!\;MR,
M[W`D8,8](62V_I20'F3X^B%@.5A&$K9+8=M&=4%21G5)"-TUXE=^%0FTN(_*
M-*YP'YV8V$D.!&[*/,9]V+!/4<!Q'UW'3O!1"MW'\P8\V,A0PG$?U&.[CU!=
MTA/J%-#WV`-6CF+7>530?(5U=(SM6$<CXSQLLYH&*&!&."%D1C@EA"/<CT)V
MW)R1A.T\0G5!4D9UB2@$3S,K(C_9JJABBP?]DO0AT+F"8SJ-5*S;/%@4L9D_
MQ8H0E-'^E2""R(90B@A3NG`8#(7]=&NP7U&E7*HNI.J2D-Z%O#Y[P(K*:\6N
M=YV+U2]*AH,F5*<'GR!2L[ZQG"<2+Y(ROI`0`L=I*K;LCKI%Z%B]8;2]8T"*
MS*CDA$QS!:%/FRM)2C?7\CI(11(R'5)9G3.!>0Q[63I4JZEW36,72(?81CDA
M,;L_?+,P,C1<B42I1)E$N42%1*5$E40SB>82+21:.LCQ;Q7?.\;_?.NMQ=W0
M!)&=#DF4.,A]`AY]\^&_:(:IVQYVJ(J(I3`1OPAJQ)I%)4'DI#"^>-W72)&7
M9`YR>WE=)*U>-N7=T4@UT<S[B-_23+&BO9$C.G.M15+Z9<IA,&;A;88"+4?A
M<-5RE0_I6-;>1FH-=?AF]XVG"B1EEO^$D%FP4D(4PPWYH7Y&$G*?5!OL-;-!
M1WY.3S1BH\06H6G=#KPS8F*BA)`)J5-$&&X%8YY]9RC0-B0JPK*#HI^;5#I.
M<_JG401C:'FA6$!1R@0ZB7KC%SPZLD<*D8[YO,@;LL`KHTJU4=SYI.*FO]]!
MI84M9XCLTS^Y+\/M;UU1?SI;?Z](R)Z?<E\F*3W-6C;*C"3J4P+=9_W!L/YX
M<[<Y/&^FF]?78V>]_Z8^!@8ON+]ML/Y2&=[\BM6+4+`RL9('?QP_P&8L2^"D
M,%8'9[+D(>S'#_!<L@2V4_@DN@[B6#MPM!&KDX6V.EZL]@-9`@MOK-9060)?
M7C^T\0E\D=VF:>)#5UKT3((8OGIKT1_&#_#2GBR8A-"_%OX`!GZ`L%?6@`NN
M6-W!R!*XYXK558PL@1LN>-ZVDDG0C]59HJP#9X>Q.AF4)7`$%ZO3-%D"IV<P
M*&TEB0^6A`Q(UH%KQUC=?\D2N'V,D]82N(2,U6V8K`.WC[&Z$Y,E<`D9JZLQ
M60)WD;&Z(9,E<"49JXLR65)!B;HODR5P)QFK:S-9`N_MQ>JM/%D";^'%ZAT[
M60+OU($'MI4D'DPG>,-+UDG\/MB@;>3@72AXZK82>)<)QJ>M)`&#UNLLFX`%
M&*"-)X,8OD9K>:IAG+5-\6(8P^=8+?)@DKK?O:9A^%L$[ZOGS6)U>-Z^'3NO
MFR=8GOKUR]<'_=<,]"\G?,?UR_X$?X6@?MWU!?[JQ`8^^^[?P`;ZM-^?Z!=H
MN-?\'8O[_P,``/__`P!02P,$%``&``@````A`/E58U87!@``I!8``!D```!X
M;"]W;W)K<VAE971S+W-H965T-#`N>&ULK)A;;^(X%,??5]KO$.5]R-4)1,"H
M0&YH5UJM]O*<A@!1"4%).IWY]G-\BV.;F;:COI3RX_@?^^]C^\3+SU^;B_&E
MZOJZO:Y,9V:;1G4MVT-]/:W,?_])/LU-HQ^*ZZ&XM-=J97ZK>O/S^O??EB]M
M]]2?JVHP0.':K\SS,-PBR^K+<]44_:R]55?XY=AV33'`U^YD];>N*@ZD47.Q
M7-L.K*:HKR95B+JW:+3'8UU6N[9\;JKK0$6ZZE(,T/_^7-]ZKM:4;Y%KBN[I
M^?:I;)L;2#S6EWKX1D1-HRFC_'1MN^+Q`N/^ZOA%R;7)%TV^J<NN[=OC,`,Y
MBW94'_/"6EB@M%X>:A@!MMWHJN/*?'"BO8-,:[TD!OU75R_]Y'^C/[<O:5<?
M_JBO%;@-\X1GX+%MGW!H?L`(&EM:ZX3,P%^=<:B.Q?-E^+M]R:KZ=!Y@NA&,
M"`\L.GS;57T)CH+,S"7=*-L+=`#^&DV-4P,<*;Z2SY?Z,)Q7IH=FOHO"N0/Q
MQF/5#TF--4VC?.Z'MOF?1CFX5Z.*RU3@DZL$,Q3:WGM$?"8"GTP$Y-[8`>@J
M&09\LK;!^T<!:X*(P"<3<69SA/Q@'K[=B@43@4\F@F:A8R^\US4L.C=DJG?%
M4*R77?MBP/H!\_M;@5>C$SF0(GR2Z8R,T_ZC68>)PBH/6&9EPNA@/GM(U2]K
MQPX72^L+Y%?)@C9W@N2(+8_`"8!U=RJ(59"H(%5!IH)<!?L)L,"7T1Q(DH\P
M!\M@<_BH-AP(MUS%"![!F^Q4$*L@44&J@DP%N0KV$R`9X7V,$5@&=H%)EB!'
M31(:$X23H$`Q9PP9W=%(K)%$(ZE&,HWD&ME/B602;"X?D2U89F4&\EJ:V[('
M&Q;U,YO&D-$FC<0:2322:B332*Z1_91(-L%^)]ET_SCA&PN.)F[P06PH<;QQ
M.6T9\4>RH\072R[62**15-/)M)A<(_LID08:*`.E6^L,;];#N2Z?-BT]_.X8
MX,$62C=6+"*/GQ)Z\).8+2.3\5/BPT$Q[L=NJ"RC>`SBUB8:2362:237R'Y*
M)$L@7:6Y_R5+L(AL"26X-A'#1<K&LF5!$Y<H038YKUS;\>0U%H^_CP9I)-54
MLS$&GX*@JFSM^?@[5]U/B607[`&277<R!2HIGBHX6O:%DE=\84$37RA!<"H*
M.\-0,6<,XL-(-))J)--(KI']E$AV0#J_PPX<+=M!B0^'W#@NY"K3LZ5!3B@V
M$TK0M)D;*,UB%H07+M0^KCV7[4KH[RZIN,FJ3;4'98S`^,?^:0_*:5`8_N!!
M^^F#)/=P=?<.^TBX[!]#[C0QD*NLFBV/<H6#'`4CBCGRZ>)#(5(<37@$?;7`
MU6#*D9#..!+2.4?4(M?W/>7PW/,((BV;A$O!:3W\\R7GT,H1#FN^"C8,*5GF
MR^FP95'3-.-(:,4,(9I5\X6ZER0L8)I67$8D<,:14,X98FD4HE!Q?R\IRQ;A
M(G%JT2]MX@XM-27G*$)0.8SYCURD.L>B1%KLF!82.1`S%"Y(>LUM)4D3WD18
MDG(DA#..A'#.D&,[1#E8:+G%^D>49>-PY3@U[I7<8H6FZ.(&BAZ\IRFYI9SK
M6Q8EY19MZ`BMF$6QW/*"(%2<3EB$E%Q,9YI<FG3.&K+D\KR%K9E$&U%IV21<
M-TY-PMGEP@GY]I+)8:6G&.R&(26UE"-MRZ-$!NPX$AD0<\2V%P\A90(2'B$Z
MD'(DI#..A'3.$<U:UW5L;5G2L2$B+1N'ZU#5.`<N"-Y5;N):03DU.8+C8[(L
ME?-MRZ/HY0U]=V=:L"#&AMIY%O.&[.3T'/6-,.$1HD)).1)/RSC"P^5W$-K3
M<A8%QM+STPD7RDCPE1JQ@#R.6DROR.B]25-UIVI;72Z]4;;/^/H+MH3U<L3C
MW=P#.:44OL%W=OBP4+D;P<OW'>Y%\,*I\P<_>H".ZC]L_`A>O72^0Q&\\>@\
M0Q&\P>A\%T10QM_A8920U:\,(`LCJ&/OQ,\C*.B`6V,#N".\%:?JSZ([U=?>
MN%1',-$FB=K16T;Z96AOY'[JL1W@<I#\>X;;X`HJ`7L&DW1LVX%_P0\8[Y?7
MWP$``/__`P!02P,$%``&``@````A`!6.X!-G$@``ZUD``!D```!X;"]W;W)K
M<VAE971S+W-H965T,SDN>&ULK)S;<N,XDH;O-V+?P>'[MD6)E&Q%N29*XIF4
M8F-C9O;:9:NJ%&U;#DO5U?WVDR`RF0!^VK+<.Q?CKH^)'V0"2&3RH$__^//Q
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M;<C;-$YF!+[N=K\;T^K>(&I\":WS;@3^Y^7L?O/M]N?#X7]WO\K-]ON/`PUW
M0E=D+FQ^_U>ZV=^11TGF8IP8I;O=`YT`_?_9X]9,#?+([9\WYV/J>'M_^'%S
M/IE>)+/1)"+SLZ^;_2'?&LGSL[N?^\/N\?^L4<125B1F$?K+(B3WSK;42W<"
M])?;GMX_3>9.@_Y*_WH-;YSW-;>COWW?LVAT/9G1V;S1+J)AZCHT_\$MXXLH
M'DV-T]YJ2'ZQ#=7?T<55DL33*]/G.WT6342&_D.N..I/X+TJ,FS1">-V:>=/
M-QW3V\/MYT\ONU]GM,9IANR?;TW$B.9&T$S$";G'>J.?FJ_-3)J21N6+D;DY
MIX&DYGM:3G]\CD:S^-/E'[0&[MAH,6#D6RS%PDQXHYN&(`M!'H(B!&4(JA#4
M(6A"T(9@%8*U`R[)M[V#:<:`@\U*/]'!1L8X6#RS$*`>'P?.%`MIDH8@"T$>
M@B($90BJ$-0A:$+0AF`5@K4#/&?2N@%GQN3,X;`ID].THEGM3,YX>NT[:V%M
MIC/':.J;+'N3WJ%`,B`YD`)(":0"4@-I@+1`5D#6+O%\2XL??/N!B6ID;LZG
M02A(?%\NV.HM=_<FO;N!9$!R(`60$D@%I`;2`&F!K("L7>*YFV:MY^ZWI["Q
M[KPJSEA8$FM$6`))@6264*`7G1QL"B"E2[R+F`878=.8"[,G'GYL[WY?[&P2
M,G!Q$]HE[-YA1/QKLX0FGYSEDHF>=VI)3#E`O^6,9\&2S7HC$<J!%$!*(!60
MVB6>2VA*>^/Z(9<8$=\EEICUJ)>;!$%LR4:.ERQ)1MV6/!Y%$W\=9OWQWD%`
M"E`M>QNST9-JL/-4_7%1K5WBN8OBA.>N@9E"R9E,%6/M^\62(WYA(\<OEB2T
M:??NC,-\)>N-Y#)R(`60$D@%I':)YPZ:SB>XPUC[[K`DIOW3N:X@^"ZM433K
MEU?*1(-)QH3^]$+C<+[EUFC<E3K=6BZXF4J73%2Z8D)_7I>NK9&5]CQD<O<3
M7-29^SYB-'8'?S*-_)6Q%*NQ>DD0;:%ZYM-@\F=L%5/D5ZM)L%1ST=(85PC2
M'DM!%&U4*^RQDAZ]X!#V6(M6UZ/O4I.[ND7`VXLPLJDN;?&R+A:,O'DW"<]S
MR5;NQ!.D6AFCQ&P05$9,)X&#<S9PIYW(./-.D"I7C&:S3CF>CH-H6'O*OHM,
M1NJZZ$-A/;)YK><YBQ)WMDRFP8DMN6&BLR45U-VDZ!9?)LA>7S0.IT`N!NJ3
M0I`JEX)4N1)T;<<DN@Y62RT&G;+O.9-P_GW/<=JJ9[XPU31%OS'%TGYM1'$8
MZ\3JNI^L*2.J<F7^9HQF47=]XZM9<'VYM-&U6:!R*5:J7`F*.^7D*@J*XEH,
M.F7?<R9W=#UW9%ERJNFZR"(OTL5ADK0T9;]QI%Y;*DBG0,;(5%N]NW%'D(8Z
MG0I!*E\*4OGJ7?*U-!R(871>ISC+F`?;@D7'8IBU\F(8(W5\9O(1DH_M2IS$
MP:#G?-P+82!<LE6DPA4C#F%1-`HF:NTI^]/)I*SN=/I8"+.)KQ?"+#H6PMA*
M9T8:,=)ID#&:V4`SG06!,)<FZI)"D`J7@E2X8D0.LR%L///W^UK:=,J^XTSR
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M'L(HV'`#/RS%2I=B*LB9FHSH\81-'2ZB:^]_5]EO8704%9V:A2#MJQ2D?56,
M:'/O<FY_W&IIX(Y(?#7JK7SGAL6$W69.O^'=5QDZ#>B90G"'9V%<;39R$U3D
MT4-@LU0;2?A21!FB'%&!J$14(:H1-8A:1"M$:P_YW@_KE"-3&`L22@.-0V=>
MD+@.HZM:J4O[AH(RM,H1%8A*1!6B&E&#J$6T0K3VD._2L(`YXE*L5,864:8O
MGED*TE"8,G+NZ&:(<D0%:I5H52&J$36HU:+5"M':0[[_3'GQM[>SL2U2W.V,
M4113".C7?GP=[F>]6>_]E)%W\SB^#L)TIE8R;#FB`N5+M=+S2D8:+[MJO5(K
MD:\1-2C?JI4K'V0N*[42^;6'_#$RQ8<[1D?FN*U5O,&PR*N>DE&0]"S-<W8*
M+F[U)$@SK$R0+0("C9R/TJ8D%U9(`^?VCR#*S/JY@5D$6TDY-4Z"0:JQLT:4
MM;-6D%[#2I'VGXR"#7OMR?LC8FJC$T;$EE+>B%CD11U&;M2QR(LZ@/(QH((1
M5>0R#"5:58AJ1`UJM6BU0K3VD.\_4Y2X_OM0M6MJ%9-=Z,`N&/E1)QD%V>>R
M-^O=DS(Z%G5LEV0E?LVUH:`"Y4NU<F=<,*$KM1*M&E&#\JU:N?(0=>#LU]J0
M>O3'R)1-[A@=B3JVRO(&PZ)C4<=:>5&'D0YL9LIP$YM>B3KVJ!=U0+84#3KR
M5M3Q>HK"1P\UJSA]-2+L!AU6T4M8B97;_4#0L0VMO#\@8>5Y9$"PQ*1["<:)
M)D'M'3"9PN)@*RU*4FFH14G&B(L2V`98PZUU0+9$V<J71>>#;B,B>KJM(#W=
ME2*]]`'GN_*>\\U;5R>LAL[<#TV,O-0]&85WQ-5*(D"**$.4(RH0E8@J1#6B
M!E&+:(5H[2'?I:8X?'^`F7`MJ2MJP<C=1`7IQI<R<C=11#FB`K5*M*H0U8@:
MU&K1:H5H[2'??V$U^:%-E&XYAILH(W\3Q=2]-^OWPI31D4U4K62.YX@*E"_5
MREW$X2:J5B)?(VI0OE4K5S[<1-5*Y-<>\L?HM/)T@N4IHR.;*%NYFZ@@72^9
M(+N)!G$_YZ/.QE9(`]W82D'N+H:I.UMQZCZ9S8(-HL;.&E'6SEI!>@TK1>X@
MA:F[)^^/2%CPOKV+3K"R9>1%'6OEI-LI6WE1QUHY*$>K0N0U@I5H52&J$36H
MU:+5"M':0[[_PF+T8U$':]0)5Y_>#0-,W7LS)^K8EL>B3F\EZS9G+2>;+U"^
M5"MWQD'4`?E:&TJ/#<JW:N7*0]0!^;4V)'E_C$Q!>,+.:NM'-W6?<$E)FT.?
M*>(-`[;RHHYM2,]/Y)HSL1I.W?FH%W580P-!*1I'H@XWM#U%X6O$-?;5B+#V
MU0K22U@I<MT!0<=V/Y"Z3\)Z]TC0P<*V4SB:NHN5YL*I(,V%,T;#SQ-R:>"D
M[H)4MA2DLE4@&WBGEA:JVPA2W5:0ZJX4O>E\ZS.Z9P.KP514)ZP&6X!YJ\&B
M('4/'V1,>BN9^BFB#%&.J$!4(JH0U8@:1"VB%:*UA_P`8^JD$UQJRRK/I19Y
MFR@CW?C2B47.CIDARA$5C)P-N42K"E&-J$&M%JU6B-8>\OQ'3PU]_WUH$^U4
M_"*3D9^ZXR;:F_51.F5T9!-5*YGC.:("Y4NU<A=QN(FJE<C7B!J4;]7*E0\W
M4;42^;6'_#$ZK3PU:4MP,Y+1D=2=K=Q-5)#N0)D@N[4%=PUR/NINHM)`-[92
M$,6I?E/'U)VM.'6GM^V"0:JQLT:4M;-6D%[#2I'VC_=@/'E_1(8+WI,?7IL!
ML4.EYT$/KX.GJ`LQHXVE=U<8\]5&9E2**$.4(RH0E8@J1#6B!E&+:(5H[2'?
M^Z>5LC&6LHS<F"_(B?F,W)B/*$=4H%:)5A6B&E&#6BU:K1"M/>3[+RP\/Q;S
ML1XU[[*;6^.:6"T%N6[EXI-VU'XVCY/@<6S&#9V**$=4("H158AJ1`VB%M$*
MT=I#OJ=-K>1F)Q_SM*VXW*3%O%YK/>WZ,'@RO10KU_FVX>M?^G`;,I`XDB,J
M4+E4JU>^]E$#4:X1-:C<JA4KPV[:7Y0HK[4-(7],3&WDCLG;%5!L2RG/^5S<
MF0C5S^`D"G:G);>D-T;DK%)!6E-DC,SY]EKXOK0TU)55"%+Y4I#*5^^2KZ6A
MRC>"5+X5I/*K=\FOI2%61/3FLS\8'UL@6*5VPA2*3!3L_8KW#=B,GLGH&%FQ
MR*SJOB4D)QFWE!=IW??<NO<V<C:@.[(B76!OI5BYKU%!9Y58V5<FD^L@ZZKE
MN/;58%^M6+W9UTJL^#U>^J6(_@6^[L+68M!UYB\M4W>Z2^MCHVFK5V_%642?
M;3AC@A]QT$YMHB+=(Q&7IX+<U`G\FXG5E7VO<6`P65GG22%MM+.2D<GD7Y\Y
M%5O-;&<#@PE]-=A7^ZZ^5F+%;[,/#*;;F3^8IN)]:S#?]_:K*>,&4MQ@NU^(
MF3M.D.*RE.;VJ3:3$<\0Y8@*1"6B"E&-J$'4(EHA6GO(<SYMO[[SW]ZD.G._
M_F;DIKB"G'2`$4V3WG^(<D0%:I5H52&J$36HU:+5"M':0[[_PI+Y0Y'(?/=K
MYZYX9\'(37$%N6ZU#<WX]H$@G@1S/N.&9"7R.:("48FH0E0C:A"UB%:(UA[R
M/3U<"NM+\N_ZMC_I"V%QQ8*1^5"I]R$D1DNQ<IUOM6AR<+H8W/_-N`T92&<Y
MH@*52[5Z)<55`U&N$36HW*K5*RFN&HCRVD/^F)Q6(-,GM##-+3KF?+9RG6^1
MF2\Z:N$-C8Q[)"NYFAQ1@:A$5"&J$36(6D0K1&L/^5XV=6RX08ZGYH>XCOS0
MC/D$+HPK7!3[)47P8'S)#=T[=(S,9%"'PS<W;$6IFYE?T2P(13D?=V_;85^E
M(,H97N^K$BM^RC8)JK4:^VJDB>[LK:`W^UJ)E>UK$G[VL?;Z\D>/1@E&[^2O
MI^BS,1A)BTS/O9.2*,C8E]S0_>Q,D":4&2/Z[$RU\'-M::B;>"%("[I2D,I7
MC,S'9V_HU])2]1M!JM\*4OW5H'X2!7G=6EIZ0_W:=T/T:WO_'^.&57TG3#F4
MF[PGX>>12['2R)4*.K(";8_7_$085R"?D<;20H2UKU(0S;%^<D$Y4XG5U.Z`
MN`*AKT:::%^MH#?[6HD5]Q5^S&=^';%;(=UUV15H?^W0_KS<X^;E^V:Y>7C8
MG]WM?II?,IP:I1[;GUE<3$9S\_X>[19PY(J.=#,S./(E'L^_V,0V.$+WT^?F
M]C*J?8FOYU_HC/$(%2C4ILO4`K4TF=!O0';?[`1'Z,<AOPSULJ`?C>S\'-@O
MZ+0&[:F#0?V8]`>=$M.Y#ES$ES&=$3W5&+@\.F(^%QLZ8LYJZ+329#0WI0&V
MH5)@;A)]/$*)/3EKZ$B:F)_2'#J#-!E3/T-G0`D9]3-TA!(J4ALZDL:3N;EG
MC^=&]^CGY@X\'J$[[N30H2-I;%P]Y.LT3JB?+CX&PTQW2JF?H2-TIY/4AH[0
M\^>Y>;J,YT9/D^?F63$>H6?#-&^&CM`C5CJWH5&@IZ-T;D-'Z,$FG=O0$7K!
MC,YMR`?TNAB=V]`1>OF+SFWH2#HAO]$+17@]]/H3J0T=H3>72&WH"+UR2VI#
MLXI>H"6UH2/T.BRI#1VAMTI);6A6T0NAI#9TA-[E)+6A(^EX.C=?S`Q<*1TQ
MW[_@$?K>A5;CT!'Z;(34N@0JG&]TQ'R\,:0V([6A(_25(:D-S7CZ9I#4AH[0
M%X"D-G2$/J0CM:'1IF_@2&WH"'V^1FI#1Q;)/!T:ZSR9TR_0X56FY,Q!CY'#
MAJZ])'<-\?1J3C_(1?J7O8/IIW:?;[]O5K<OW[=/^[.'S3?:P$9=[?MB?ZS7
M_N/`'XI_W1WH1W;IMC3]@"K]J/*&?KIT=$'[Z[?=[B#_,!WT/]/\^3\"````
M__\#`%!+`P04``8`"````"$`W6*2&F=%```&=0$`&0```'AL+W=O<FMS:&5E
M=',O<VAE970S."YX;6RLG5F3VT;2M>^_B.\_*'1OJ[ETL]MA^XU6<P$(@#O9
MRYU&EL>*L2R'I%G>?_]FL>I45N6!0;9&-R//TZ=.$JA$+0D0_/%__O/A]Q?_
M>O?I\_N/?_STLO?]Q<L7[_YX^_&7]W_\_:>7^]WTN^N7+SY_>?/'+V]^__C'
MNY]>_N^[SR__Y^?___]^_/?'3__X_-N[=U]>B,,?GW]Z^=N7+W_^\.K5Y[>_
MO?OPYO/W'_]\]X?\Y=>/GSZ\^2+_]]/?7WW^\].[-[\<&WWX_57_XN+JU8<W
M[_]XZ1U^^'2.Q\=??WW_]MWXX]M_?GCWQQ=O\NG=[V^^R.?__-O[/S_#[</;
M<^P^O/GTCW_^^=W;CQ_^%(N_O?_]_9?_/9J^?/'A[0_EW__X^.G-WWZ7X_Y/
M;_CF+;R/_X?L/[Q_^^GCYX^_?OE>[%[Y#\K'?//JYI4X_?SC+^_E"-QI?_'I
MW:\_O;SM_7`[[EWV7K[Z^<?C*3J\?_?OS\E_O_C\V\=_SSZ]_Z5^_\<[.=_2
M4ZX/_O;QXS^<M/S%(6G\BEI/CWVP^O3BEW>_OOGG[U\V'_]=O'O_]]^^2(=?
MRC&Y0_OAE_\=O_O\5LZIV'S?OW1.;S_^+A]`_O?%A_<N.>2<O/G/3R_[$OC]
M+U]^^^GEX.K[R]'%H"?R%W][]_G+]+VS?/GB[3\_?_GXX=Z+CD<438;!1/X-
M)OWOKR\OAU?7(S'I:"A_/4:7?T/#WL5Y+:]"2_D7+0??]Z\O>Y=7[H-WQ)3<
M/\:4?T/+4:?^)NCE7QQ<<H8Z`O6D,X^1W'^<%:HGO>!;:'<,M3>Z8@W04OX#
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M:,&3!;>Q?]$QM[$S(Z'.D]D\9(5H7DF^Q:23:_U;))VS<4F'C_`:0+.P;Q(,
M"C096S"Q8&K!S(+"@M*"N065!;4%C04+"Y86K"Q86["Q8&O!SH*]!0<+[BUX
ML.#1@B<+;F^)Q,Y$5]W>D2;MO2S!9&*G!'.C6_M*#X.8:R5KNF00&US=Y`GT
MVFNN9$:.(YT9YNZB!)]\3&1"9$ID1J0@4A*9$ZF(U$0:(@LB2R(K(FLB&R);
M(CLB>R('(O=$'H@\$GDB<GO+2+L9?7C+W7J;]6N6?[(@H?QS.XUGSJK.YJ>7
M5V9:'9F4#*JNE(P2',Z8R(3(E,B,2$&D)#(G4A&IB31$%D261%9$UD0V1+9$
M=D3V1`Y$[HD\$'DD\D3D]I;1:T9WC+)^S5)2LB]+R>ZAT*F/F8>$>>W)4&?;
M.R+CE&3!9>_SC.!.G0?W9-2/4_U=((-(QIY(_4!'YL'(S/^3*,)Q38G,R+J(
MFM1ZD%^&913!>DZD(NLZ:E+KR]RZB2)8+X@LR7H5-:FUF:S6403K#9$M6>^B
M)K4VX](^BF!]2$F6'S)V9?GA=R'?NXK(E]_>O_W'ZX^^KM*2M`/9;?@]B#/)
MT\:3-&T"2=+&D^%-3*0)D2F1&?D449.>DF'>D644X93,B51D79.F(;(@LB2?
M%6G61#9$MN2S(\V>R"$E65?+9)9U=4N7RHX<?>K4>9]Z,I2U8%R`#:YZ^7F^
M\R(IH.`\CSVY3)OUK^SH$$0NI?[U<__RQEPL4_]W*8S`=D:!BG,"E5XT'!T#
M?7=YD7_\.<6I*$Y]3IPFBW-MPBPHS)+"K,X)L\["]'O7^>%L*,Z6XNS.B;,/
MHM`_UT-S>1W20%G228'E&4GGU'G2>=+/YA:;/7=!I)/4.)"KF"^30(;'CA^-
M*,/"WWWUV55`9N1:D&N9N7[7&XW,4#PGVXIL:[)M/!GZ#SN\-A?9@DR79+HB
MTW4@WO2[WE7/3'8;LMV2[8YL]YGM\/K:N!Y2URPU7,'Y&;EQE.?)$9`9DLSR
MX"ZHTC$)2-=4DX`N?8KW^G;_.0V"=`R"C8YV!9`ZEP%AS.D-S,YVSLX5;-2Y
M!E+G)G?N]<VHNF#C)5S4>`6DQNO<V(XJ;+N%A]KN@-1V'Y">8S,N'C+G/%E<
M12LMEW;/7CU?`),-'":,UP&9H<0,9'=0)6,)4#*8!!0NT)Z=1J9HDHPF0&I<
M`*EQF1M_U[LTGV^.-NI<`:ES#:3.3>X\,F=^@1;JNP12WQ60^JZ[?3=HH;Y;
M(/7=`:GO/O?M#<R*X(`F1^,\55RU*DV5KUK3NKM<9BX*R-UOT!70R%P==U#I
MNG8<D-3!D(T3H)Z?CZY,?TSQ=SU),S8NH%+C$BB=,?L\Y/BC&ZA]Q?8UO-2^
M`>JT7T"E]DNV7T&E]FL@?UKZ/3-4;O!W-=ZR\0XJ-=X#>>.;D3$^X.]'XSR=
M7)'JOT^G4.I*!R2/>A<R#\9\Z@W-_'G7\[*!7AMC(%GJQX:\IH;J^IAB<C]P
M9-814R@T56=`&JT`ZHQ60N6C?=?O]4U*SZ'0:!601JN!.J,U036Z\I?/I9GS
M%W#16$L@C;4"ZHRUABH<64\ZS"RSH=!H6R"-M@/JC+:'*O3:1>_"3`$'*([1
M\E1U9:FN5-U]_/-XX_'$Y!FJ6VFN>B2A,8+=N3OQ,D#*/T#C@))2U831E-$L
M(/D'7@6K2D9S1E5`\@^\:E8UC!:,E@')/_!:L6K-:,-H&Y#\`Z\=J_:,#AG*
M^]N5_=+^/M&OODJ8+8H\2@LUKEHN_3K2KI9G@X[(5/C,$#I1%0YPRFC&]H6J
M=#@;C,PE7:H*]G-&%=O7JDKMS3#;J`KV"T9+ME^I*K4WRY6UJF"_8;1E^YVJ
M4GNSTM^K"O:'#.5IXZJ!:=I\W0+)UQ2S;/(HRZ:`TFSR*"W\N4=T).<2-&4T
M"RC)S$)5Z=DQ(V:I*IR=.:.*[6M6-8P6C);LM6+5FM&&T9:]=JS:,SID*,\`
MF8.R##@Q<#BYV7I[9+;>9H%QYQZD<G.$;@O'0.DBNF7MXAN.?)VN/[@RE^LT
MV&2[<0I6G!6LA$HJ%7$Y-;`UN[E&5%7?JBIXZ1'70)U'W$!UXU=K`[.M6&AX
MY/`23336"J@SUAHJ'VMH8VTXUA9---8.J#/6/JC0DU3:/63!\BP5Y^=DJ9.;
M+/7([/G-X'GG'M63AO(@'$[M&$B7;Q,@GY(W0[L*G$*@6]T9D#H70.I<!C24
M63;)/W,MS=$P5;7D'QU+C88:L=&(QWJ[W7,LT$0/90FDA[("4N.U&J>'8D[X
M!@T[#V4+E4;<`6G$/9#O%B[L'B!H*12XTF0Z#YX8!7TE,YOP/#*CH%FYW/6\
M2A)=\RL@76)/@BI<*+V^+=%,@R`;\LBY0#!U+H%$G.27^91SM5=52WY1Q!KV
M&K$!\@.,+6(M-!1.R!(M]!RM@-1W#>1]:5;8L/$63=1X!Z3&^X#BR;?5WT/F
MG(U2TA_/R:*C/!^E`C*CE%G$W$&EE\,82"^'24`REAP?!1T9ERF:Z)4]`U+C
M`DB-2S76]!A<&_LY&G9>V154&K$&THB-1G2',C1W5A9HH4>R!%+?%9#ZKG/?
M7M_L8S9HHL9;(#7>`:GQWAC;JO`!37@D<EV?C41?M2(_NIC4\G7P$R7+T%">
MAL;U.`XH+5D"^1M(O6'/=/X4`CU+,W8NH-+B7`DDE:XX0''-$BJUK]B^ADKM
M&Z!.^P54:K]D^Q54:K\&2NT']C;8!JKL/KA=/FXYX@X-->(>R-^K&MGB\0%_
M/QY*/EA]D]JXK)3L2BN@4\7,($N+F0$-TRHH;PB@\O7;WO"J;^:O*:PUB6=`
M>HT6\.F,5@;52!93,2$'UV9//X=].J_RC`F5?HCZK`_1Z(<XCG]VK%W`6`]X
M":2Q5F?%6FNL](#-D+N!?><!;Z'2#[$[ZT/LH0I]S`7K`ZRY]-EW5?)T+6='
MT/-*GT<;,X0Z9]G#:@7C+JB24MXXH+3TR6C*:,9>!:M*1G-&%7O5K&H8+1@M
MV6O%JC6C#:,M>^U8M6=TR%`^D-E2=_?:W7U1R>P-`TJ+54#:U>.`\M+GM=F<
M3U2%"73*:,;VA:J2ZXY*GZJ"_9Q1Q?:UJE)[4TMI5`7[!:,EVZ]4E=J;87*M
M*MAO&&W9?J>JU-XLU_:J@OTA0WG:R,*T<Y@XZWE']\4UFTT>9=D44)I-'B5U
MSDGP2M"4T2R@M/2IJO3LF#59J2J<G3FCBNUK5C6,%HR6[+5BU9K1AM&6O7:L
MVC,Z9"C/`%=J3B>*$P.'KTRGF_Y^*%:G*SE^$#*HTDT_4+JJ:%GI>/NP%96%
MI"D$38.-[";0I3,XZR:W`.H,5D*5SNB#:W.)S36BIEK+0L=_\.2(:]AW?H@&
M*K^KOQZ8`UYH>!SP$DWT@%=`G;'64&4'?&-OZ&K$C@/>PDL_Q`ZH\T/L@PHU
M4:IC'#2^''&>OJ[(_8ST]37Q+'T]<GL$7=O2(Y7]H-+=T!A(UW43(%]\DYI5
MSRP9IU#H9GH&I-8%D%J7`>5%T1N3&G,TE'$U'DQ+9M+!U&BH$1N-Z-;;`T[#
MX**'LH2+'LH*2(W7:JP?<G!CBZ)HV'DH6Z@TX@Y((^Z!_JI6?8"@I10AJ?N<
M!'-RLV#VZ$11U)4DW+):+YXQD-;E)@&A+M?C_/(VV6!(S@4[ET#Y0&`VE?.@
M<I6;KORBB#7L]5@:H%`4-:$6&DI'.?)=P41]UT#>M\>5!SI%6S31D[\#4N-]
M0#CY5)$^!($_^?DP):?U.5GDY":+/#+#E%G>W+DO\$M#V1?BI(V!]'*8!!2*
MHOT+LT*=HHE>V3,@-2Z`U+A48TV/P8WYD',T[+RR*Z@T8@VD$1N->*SO7IJI
M>H$F>BA+(#5>`:GQVAC3Z!1.M/IN8:*^.R#UW1M?6Y`^H`F/1.YKPUD.V2W]
M66OUHTN>6@&Y[(T7]8">XX1*RROC@.0?9-L$*!1%K^WQ32'0LS0+2(X<-@54
MZEP"I65%+HI"I?85V]=0J7T#U&F_@$KMEVR_@DKMUT"I_>#&[#PW4*5+:9J^
MMQQQAX8:<0_T5^7I`P3'8\E&J\$W*;\?74RF^?+[J:IH:)E610,Z416%*E3,
M;D;TG`2L-==F0'J1%O#)ICF[)BR#*J^*VB_2S&$O`T:\NJA/*ZCT0]1G?8@&
MJG#(`WO!+>"L1[P$TF`KV'0>\3JHS!&;->X&]IU'O(5*/\3NK`^QA^HO2]\'
M6!\/.<_L4_7^\\JB\IQXF)^U3^4U,Z8,]AHR62C'KC=S[9UJ,/B-&4T831G-
M&!6,2D9S1A6CFE'#:,%HR6C%:,UHPVC+:,=HS^C`Z)[1`Z-'1D^,Y-T-(2=T
M#7F;)``Z5][>P+J\Q_.$==5V[&_=-KB[/#-P<C/F>I36ZX,JK=<'E-;K&4T9
MS=BK8%7):,ZH8J^:50VC!:,E>ZU8M6:T8;1EKQVK]HP.&<K[-:W7NW[]NL4<
ME_$''LG3KDBY.R!]TGH<D%19=60:7)@MV$15\)HRFC$J&)6,YHPJ1C6CAM&"
MT9+1BM&:T8;1EM&.T9[1(4-Y!KC:]S.N;"<W5[9'[L'F.+W(=\7S+V/<#8(J
M[7V/1I(JVM!^57<2&HI*>S\V!)JQJF!4,IHSJAC5C!I&"T9+1BM&:T8;1EM&
M.T9[1H<,Y;WOBL//Z'U?2T[KEK(Z=@DA=UB23N3>#ZKDIDMHF-W"HZ<W)ZI"
M5T\9S?`AU+Y0E7ZNX84I5):J@OV<4<7VM:I2>[,];U0%^P6C)=NO5)7:FPK&
M6E6PWS#:LOU.56H_L(^;[E4%^T.&\DQR9=@TD[YN)O'%W"S!/$IOX0T"TNX>
M!Y3<KYLPFC*:L5?!JI+1G%'%7K6J]$P/[0S7J`IG>L%HR?8K5JT9;1AMV6O'
MJCVC0X;R#'`%S30#3JP1??TSZVJ/W!<DXH0PO##5B;M!4.D*=PRD5=()4+JT
MH%EI&E1IG1H-U;X`4OL2J--^SO85&JI]#:3V#5"G_8+MEVBH]BL@M5\#==IO
MV'Z+AFJ_`U+[/5"G_2&SSS-)&CXGDYS<K$D\RLK4\CICNR8)*BVCC0<!I04R
MOAD<5/*B`4U4*@).X:5KX!F01BR`.B.64/DRVN#"7A5S"#18!:3!:J#.8$U0
M=1_>`EX:<0FD$5=`G1'7&M'5S^WKBS8PT5!;(`VU`^H,M8<*9]*^E?<`P3%8
MEI>N[)?EY5?-<4>7/%T#RDK?PPM3T+J#2DMHXX"DAHJ)8Q+0"(_KR5>5S;)D
MBE9Z[F;L74"EWF7N/;RXOJ*G+]%*O2OVKJ%2[R;W[@\NK^P##PNT4N\E>Z^@
M4N]U[MV[O+8S\`:-U'K+UCNHU'J?6X^N+ZBH>D"KHW>>4&F%^ZNWWT-?SDYG
MTH#<PC^924UA\`XJK7V.@62%%1OR^`<5WF'0EF/^0\G%A,R<H96&*X`ZPY50
M^7##7N^*GCB`1,-50!JN!NH,UT#EP[5G(AW=$JTTW`JH,]P:JG`R+Z^OS#I_
M`X4>W!9(H^V`.J/MH?+11M>#P=!,BP=(CN'R?'5%PW2)9P?`\^K6[AD$,V$'
MU+O0-?U=9+KU'X/)DQ+(JTD+F[:P&=B%^A5@B5_9PN8MK`)+_&JPQ*]I88L6
MM@1+_%9@B=^ZA6U:V!8L\=N!)7[[%G9H8?=@B=\#6.+WV,*><I8GE<S7G4EU
MU@WEH7,QLZI':0TRJ.3M'3%]QH&=*$*J"GDW931C5#`J&<T958QJ1@VC!:,E
MHQ6C-:,-HRVC':,]HP.C>T8/C!X9/64H3R=7>4['J.YMJ%ODVKSQZ$1!,S3,
M4\FW/%'1#"W3BB:C&:."4<EHSJAB5#-J&"T8+1FM&*T9;1AM&>T8[1D=&-TS
M>F#TR.@I0WDJN3KS,U+)EZ6S=5BH5'=71]W3E)*#/5G_8W`9!W:B/*HJ-)PR
MFK7X%RK3A1[71U4%_SFCJL6_5EGJ;W8BC:K@OV"T;/%?J2SU-RNGM:K@OV&T
M;?'?J2SU-W<U]JJ"_X'1?8O_@\K4GTJPCZJ"_U.&\G1U1?8T7>WJ[+R)U)?J
MLRP.U7O='-T-/<I3UK.T!AMD"9HRFK68%2PK&<T952UFM<KT9',55E4XV0M&
MRQ;_%<O6C#:,MBUF.Y;M&1T8W;>8/;#LD=%3AO*<DMU$EE,G9E,G-ZLPCWH7
M,LC%+>6P9Y[MOY/WL!['P`O=T8PC2Q?[T$D5.-IQ83<VU3W3+#(-442F(<K(
M.D/,HTQ#5)%IB#HR#=%$UAEB$64:8AF9AEA%IB'6D76&V$29AMA&IB%VD6F(
M?62=(0Y1IB'N(],0#Y%IB,?(.D,\1=DQ1)[!TO(Y&>SD)H,]DC<,)BDG50A3
M39:'5HX9+*]`Q?@QCBQ;`-A'^"91EI4N[>M!IU&FNY=99!JUB*PS:AEE_@OK
M\MMT^1'-HT#C59%IO#JRSGA-E'4>Y2+*-.HR,HVZBJPSZCK*PBND\V/<Q#]K
MM&UD&FT766>T?91U'N,ARC3J?60:]2&RSJB/48:>-(_0/$7!,5Y^?;@['O_]
MJL'?-\E6#1[ULGW4T";9G=MWN\6OW/73RP9,1X))U(6R'+WM?AH5.L[,(E/W
M(C)U+R/S[E)\-Z=P'A7J7D6F[G5DZMY$%FI\??MNB$54J/LR,G5?1:;N:S"Y
MBWG\]L'`W#'=0"!OR\$IWD:FYKO(U'P/%LSY%;T0).;WD:GY0V1J_AB9/R\W
M?5O7?8J*XT?/$O?RF]R-.;KDXWU`O?SN8<\DQ%V4Z;)X'%EV^=-X'V7^)E2?
M<SDJ]);7+#(-6$36&;",,A^0?P]@'A4:L(I,`]:1=09LHLP'E!?WFP7?(BHT
MX#(R#;B*K#/@.LK\NX?IS>2;*-!XV\@TWBZRSGC[*//Q^+J(`HUW'YG&>XBL
M,]YCE(43RF\@?HJ28\3\6CEUH^F\PKVK1IC%44#I<[U`.K>-`Y)I"`/0A-&4
MT8R]"E:5C.:,*O:J6=4P6C!:LM>*56M&&T9;]MJQ:L_HD*&\OV6]\-]/ZN[7
M@6QW>Y36U(,J?8P[(#=XQSW:P/ZPR4152(HIHQFC@E'):,ZH8E0S:A@M&"T9
MK1BM&6T8;1GM&.T9'3*49X`,)UD&=&_<Y<<_J*L]RI9OM-&^"PVSWO<-3U3!
M0\.T"LYHQJA@5#*:,ZH8U8P:1@M&2T8K1FM&&T9;1CM&>T:'#.6]_[R;()=\
M$R2@$\_U0J5W;<<!N;$I7OO\7*^J]-KW'T(:`LW8OM"&J;W9BY>J@M><4<7V
MM:I2>[,Q;E0%^P6C)=NO5)7:VZJUJF"_8;1E^YVJU)Z*RGM5P?Z0H3R3W+V)
M_WI[>.GO<*3;PX#2YWJ!TFSR#64FP6>=!%6"IHQF[%6PJF0T9U2Q5ZTJ/=-<
M4585/OV"T9+M5ZQ:,]HPVK+7CE5[1H<,Y1G@ROII!IR82?Q=@*RKPXV!M(C!
MS_5>>E7ZZ@F@=-D85.G2@F:E:6B8/M<++]U^%D!J7P)UVL_9OD)#M:^!U+X!
MZK1?L/T2#=5^!:3V:Z!.^PW;;]%0[7=`:K\'ZK0_9/9Y)KG:_3,RR9?ZLTSR
M*-^9TW.]ET&ENZPQD&1/G)7XN;:@<K?85$5E6'CIQFX&I!$+H,Z()53^E3##
MT8VI,LPAT&`5D`:K@3J#-4'5?7@+>&G$)9!&7`%U1EQK1%^9,L57F&BH+9"&
MV@%UAMI#%<[DM<V*`P3'8'E>VEL$7W7C])+O'`1TXKE>J'2.&P>4/M<+A/U_
M_]K^L.`4$CUW,_8NH-*'6$L@[RTOW;BT#P7.(5'OBKUKJ-2[`?+>_=[HDEZ9
M"HEZ+]E[!95ZKX'".1G1,],;*-1ZR]8[J-1Z#^2M1[VK@?U2VP&2HW>>4#)"
M9@/=UR64<S&E28]./-=[&51:?1T'Y!Y%UI&-ZY*^H3P`>KQ<Y5EFSK'@K<DZ
MXW#%6>%*J'RX@3R+:L?:.;PU7`6D1U?#J//H&JA\N/9,I*-;<K@5C#K#K:$*
M)W,TM#^]MH&U'MP62`]N!Y_.:'NH?+117^ZGF-L`!W@?PV7Y>B7>G?EZ7GGP
M:),G;$#9<[V1)05"L.0YTDD+F[:P&5CR4&<!EOB5+6S>PBJPQ*\&2_R:%K9H
M84NPQ&\%EOBM6]BFA6W!$K\=6.*W;V&'%G8/EO@]@"5^CRWL*6=Y4IVJ.9_U
M.-(5EYP#2FN00,DAC`,[4814%;9H4T8S1@6CDM&<4<6H9M0P6C!:,EHQ6C/:
M,-HRVC':,SHPNF?TP.B1T5.&\G3Z)B7M*RYI!W2BS@E5EF'>S-UWT4F57F`0
M6HI*,RPV!)JQJF!4,IHSJAC5C!I&"T9+1BM&:T8;1EM&.T9[1@=&]XP>&#TR
M>LI0GF'/*YE?<<D\H!-%TZ#*GIU$2ZF!QE3BJJFJD#=31C/XRQ=L(2M4EOK;
MLJFJT'#.J&KQKU66^MNZJ:K@OV"T;/%?J2SUMX535<%_PVC;XK]36>IO'_=5
M%?P/C.Y;_!]4IOY4F7U4%?R?,I2GJZWQ?]4FXXI+_P&EE=F`\I3U+9,Z["3(
M$C1E-&LQ*UA6,IHSJEK,:I7IR>;BK*IPLA>,EBW^*Y:M&6T8;5O,=BS;,SHP
MNF\Q>V#9(Z.G#.4YE5;[W9L9NVN]5US6#TA^ORD=R>AQ7\C2QWTCTRKD)#(I
MKL2!D>N]4:9;J5EDNI<J(M,0962=(>91IB&JR#1$'9F&:"+K#+&(,@VQC$Q#
MK"+3$.O(.D-LHDQ#;"/3$+O(-,0^LLX0ARC3$/>1:8B'R#3$8V2=(9ZB[!@B
MSV"I$L:M[!D9[.1FR^K1J<=]KR#3^Y5C,!=7LY7*+%&6WB/E]T=`EMQ;GT6F
M40NP[JAEE/5]=4>^:)R78^=0)`&KR#1@#=8=L(FRSL-<0)9$74:F45=@W5'7
M4=89=0-9$G4;F4;=@75'W4=99]0#9$G4^\@TZ@-8=]3'*/NK+GV"P@?,KY3T
M;HP+]'7K![Y)<^71J0=_HTS'A'%D.B9,P.0MAJXJ*8._R=LI%,DCJ+/(U+V(
M3-U+L.!^U;=3U1R*Q+V*3-WKR-2]`0ON\ABD65(NH$C<EY&I^RHR=5^#R=O]
MCO5:^].&&P@2\VUD:KZ+3,WW8,&<?\X.@L3\/C(U?XA,S1_!<%XN;NS[\9\@
M\?9YYLKLD(WQ7Y>YSL4,_1Z=>O)7[DBZEKWT_?9@66F>[S!&F7]LM"V98:XW
MQ69HE00LP+H#EE'F`_(O\<ZAD!_GP4*XBDSOF]1@W0&;*`L/XK:D/!_A$JV2
M(UR!=0=<1UGXN1.^"CC>%HV2>#NP[GC[*//Q6BX,CG>/1DF\![#N>(]1AA-Z
M.3+[]B=(?!?FUXJ[HX%[[FVC_)FE?7]CQ`6*"QMYU;09S5Y?!9G,`%%F1NL[
MU2#=QHPFC*:,9HP*1B6C.:.*4<VH8;1@M&2T8K1FM&&T9;1CM&=T8'3/Z('1
M(Z,G1K>W+2Q)`'3N;4N'W^8]GB7L2%8B6<)V;T&/\GP4#RAYV/R.T9C1)*!D
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MSQU4:>KXAME-ON'`/*8W"0VSU(D-<0YG;%]HP[0_S(V-4E7PFC.JV+Y656IO
M/GVC*M@O&"W9?J6J#ONUJF"_8;1E^YVJ4GOS7,M>5;`_9"A/L/2NB4NP$\L+
MOCWBOM?B=G\G,BFHTDSR*/MF1)]N%P?[Y&L04T8S1@6CDM&<4<6H9M0P6C!:
M,EHQ6C/:,-HRVC':,SID*._]Y]W?&/']C8"R)Y`'ML)[!Y5NG\=`,BK$K1'7
M!Z#R%1U^S^\4`MVLSX`T6`'4&:P,*GD!EELX\?L?X**Q*B"-50-UQFHT5G+X
M=J&V@)=&7`)IQ!509\0U5']U*C<0:+`MD`;;`74&VT,5@O5ZYEVK!PB.P?*<
MM'<LOF[YS#<R1AYE3Q\/[,M%[Z#2NS7C@&1TQ(`Z`?*/%]H7-$_Q9SUO,_8M
MH%+?$B@\)&EN2."O:ENQ;0V5VC9`G=7X!51JOV3[%51JOP9J/QL;_%E]M^R[
M@TI]]T#MO@?\^>B;Y]`WJ>7+3XK2BMNCK$0U'-B23F@HOPZ!A!D#I96@EN$N
MV/OW/PPN[,NXI[#1[)P!:;`"J#-8&51R%OUP9U9!<[AHK`I(8]5`G;$:C=4Y
MW(7#UXA+V&O$%5!GQ#54?W4J-Q!HL"V0!ML!=0;;0Q6"]49FQWV`X!@L3U57
M'?WO"Y+NQ__L[C#47?7K@W=!E>ROQ@$EU:$)HRFC&7L5K"H9S1E5[%6SJF&T
M8+1DKQ6KUHPVC+;LM6/5GM$A0WE_GRI`GU<,B/5GC#"O1QYEU:&`TD5W0+$Z
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M5X>NN40=T*E,\@VS3`HEZFS+0M6A8)]6AQC-&!6,2D9S1A6CFE'#:,%HR6C%
M:,UHPVC+:,=HS^B0H;SW98^?+4U/]+Z3FRG(HQ/5H>N@TOWA&$BV[!W5(:C"
M=YSYD4$(M*0Q`])@!5!GL!(J/%9!CPM"H,$J(`U6`W4&:X)*OIKN]F:7EV:(
M6\!%8RV!--8*J#/6&JIP%ND[]QL(--@62(/M@#J#[:$*P:[MTRD'"([!\G1T
M]>*NG=)9*^=K7W66)S<P_KT.Z$1A""K=+XX#2@M#0)+2FKBVKC>%2D_?C.T+
MJ+0B4@)UVL^A4ON*[6NHU+X!"N^&-3/?`G]6WR7[KJ!2WS50N^\&?U;?+?ON
MH%+?/5"[[P%_/OKFN60+WU^WZ.9Z^+5')PI$4&FA81S0B6^D0^4K8L.6$2_$
MURR=<;`"-K+UT"RU5?L2JE",Y`>DX:S!*B`]LAHVG<&:H)*-\W'$NS*_]K:`
ML<9:`FFLU5FQUE"%LTCOQMC`68-M@338#C:=![:'"L&NS%5U@/,Q6)ZE,I9V
MCGCG/:QV[6R.$[/V=N]B9#9TKR%+2UVVLJD:C)YC1A-&4T8S1@6CDM&<4<6H
M9M0P6C!:,EHQ6C/:,-HRVC':,SHPNF?TP.B1T1.CV]L6EB0`.O?VKD67]WB>
ML*Z`FT[1)U:,3FY6C!ZE[T^]#DCW@>.`TJ(EHRFC&7L5K"H9S1E5[%6SJF&T
MR%!^_DX5@\];XG`M^#K4@G4)=P>4GE:OREX1,!R86W>3T##]5B.C&:."4<EH
MSJAB5#-J&"TRE)]I5P=-,_7K%@"^FIHM)D.!5>9AG5KIP9KKH$I/OD=2.G$3
M8/_"OF![$MJDS]0PFK%SH:K@;`I8I0IPX<\95>Q<JRHX4^4M'A2<%]I&4-8G
M-[82VCUZ'.7YZ!'0B6H#5,G)#^C$LRBJPM%,&<T8%8Q*1G-&%:.:4<-HD:'\
M+-NBX8FSS-7!&X_<;QC&%!_:/<Y=4*7O+P32O=<$2/(D>O'W68,J?7\A&NJW
M:`H@M2^!.NWG;%^AH=K70&K?`'7:+S+[O"]<D2L=A4[TA:^)I</-C4>FPF(N
MPSNH=(,U!LIVDG8+,`FJ\$B,'9*F,-%I90:DH0J@SLI`B5"^Y&%#S6&BH2H@
M#54#=89J\E"7]M>/%W#A&L2-*U4]H\.<W`Q1'F47#S\P=8PC#]5I^HV!-/TF
M`<E[CX_#[]!.,],@R*X;'S]Q+MBY#$AN6SOGP<@6H.;L7,%&/W,-I)^YR9V'
M\HK'_"&71>:<7RW?I`!TPP6@@-Q;?^,@Q$\&0:49.`;23>$D(+GAY\]<?G13
MM-`S,@-2WP)(?<N`>A=^'VDVD7.T4-\*2'UK(/5M$E\]>*HK+-#RZ)_WBJLX
MI)?$5ZVD;GS=(AO:`DJWU\.AV;7>H:%^6W@,E,Y/_*P-5.'BN;PPB3B%0)<)
M,R`-5@!EZST[CI9!);\]']+"[K[G\-%H%9!&JX$ZHS4FVO#FVJSX%O`Y1LN[
M\]O4'&YBS0%+I=<!95/5<$A3E6^8?#%PC(::M9.`\E>W\O`7O/0*F,%+YXP"
M2.W+L^SG:*CV%9#:UT!JWYQEOT##HWW>1\_;9M_P-CL@,PM17X2=MX[HX]#0
M_=!"'"I;KBW?T/T,G:KL"G$:O++9B2(60=63O:EZ\046&F8K,1MQSA$KV.LQ
MUD"=$1NH_$#?L_7*+%3>>VZ7G0Z8)Q9]?E.>C8P>95=2RQHBJ#07QS<!:2Y.
M`L(*SZ3`%"TTQV=`ZEL`J6\)WVRDX@X)'TCM*WBI?0VD]HW:NVFV9V\C+="D
MY>*1%,E._]?-5\[%K.P\.G$;Z2:HM+0\#BB]C034.ME/\5<]13.V+:#2^R4E
MD*P!]5KB3O$?<:#V%=O7\%+[!JC3?@'5T3Z[,GH7M@+@^D;>N?GBRV_OW_[C
MK.*7]\A[!BR_*S,TD^)=E&F>C2/+AC([_$P@"P_3]LS]VBG^GCQ3-XM,PQ5@
MW;>!2LC<8X8='0E9$K6*3*/68-U1&\C"/9H>W:.!P,<S76O+#O:R.^]>AEO_
MMMW,,./6ZZA+^\W>S4A$6*5(AX<`.B%([Q*3'B4F/4I,>I28=!^Q>0N3OB*=
M]!4QZ1ABBQ:V;&&K%K9N89L6MFUANQ:V;V&'%G;?PAY:V&,+>VIAM[=M,$T-
M]/JM7/MT"F]-+IA\=H67\V=QM_*W$P98<AM#/H?7)4P^!C%)2<^21Z8D)4DG
M*4E,4I*8I"3Y24J23E*2F*0D,4E)\I.4))VD)#%)R929T^[*%^EIM\/(F9.$
MKX*DBRKW3F[70U(\1EI(;P2FNS+IC<!DE'-KC[8OV*<:F$GW:$-`Z1^&TD$,
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MZ^MK4]V5+**`DD6>)0$EB\X)*(F5!90;C6;4DC2C@))F%%#2[)R`DGE>UET)
MDV2DJ)*,%%62\9RHDI]!%KI2'B:X,)M=R=<TI,E75TQ+![&O7&0Y&SNV>69N
MM9@/=R=/IQV;RJ_P83"2-`Y,-ZXR4P86[E/=7(VNS50G.1LT>FM$!C;REYPE
M?TG0S/_JQG[36Q*4W"5!R5T2E-PE&S/WT9#*]%&AGUVRD=PE&\E=4L^S<"=J
M:']Q7)(N-%)S23HREZ0C<\FPP,)SW/+S.O:WZB7#4G^38:[N]PTRS)</\V5\
M8.EMH][0?`U&,BS(].:*9%A@LOW0JDI+K2?(_-5U>7$Y[)GR@R1=T.CD+$E'
M(27IS@DI>9B%[,EOAIF(DH@441*1(DHBGA-1<C./>'%Q;2+*4$D1)3DIHB3G
M.1$E7[U,RH/';55+OE(\R5>*)_EZ3CQ)X2`+W3B0;VV;^4Y2.`UI4MA52;M2
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M#=%2D%`9["3Q8E-A)N]<+37-NQ-[SYZOO6;346`G$\PW37I_W`M-3Q4D5(:#
MDM')VR7?[94$(R8)1DRRB9AD$S'))F*23<0D=8A)ZA"3U"$FJ4-LW<(D3T@G
M>4),\H28#$?$)"E29I+"54Z?DQ2^TIHGA6>G"A*RACE6U?5VFB1%8+*XZEIG
M!UEX"/'FYMI^Y59RQ#ME]0BX:T3)D7,B2MH$F5^"]LT@)2E$X22%0AL-)RET
M3CC)*B\+!]B_N3`!)<<HH.08!90<.R>@I%V0R7)&3[R]_R^92%$E$RFJ9.(Y
M424YO2P<II0BZ&=T)5G3D"997;4U3=:OJT;(L$35B,!.52,@2ZL18&DU`LRG
MST"^.F-_QD$R-M2.=0*742TP]9>,#4S])3T#"^EY<6W?/"892O:2H60O&4KV
MDHZ9?6\D5:/\Z57)1[*7?"1[R4>RE^3+[:]LMDO>D;OD';E+WI&[)%GFWO;C
MR9)DJ;]),E>]_09)YHO`^4`9V(F"A)M=7;4L+4B`R9_T>N6"1)"Y^Z;'K?-P
M,+*_B2")%_QU^2>)1S$E\0+KC"FYZ&6(V9=RL7GH19(Q6&E(2<;`]#`E&0.3
M?_[Z,"4_O0PA>S<W]K62DJ#!2D-*@@:F(25!`Y-__CJDY*R7Q9!M21N<-*(D
M;6`:49(V,/GGKR-*'GL9(@ZOKWJVZ"B)'+R.,4TBN[)N5R*?69;H^?*P9+)^
M7*GHF4KM:RG\^;256E\\+'K.1D58WLDB(#8$F[0PR5O22=X2D[PE)DE*3)*2
MF"0E,4E*8I*!Q"3CB$G&$9.,(R;I14P&06*23\0DGXA)\A"37"%VW\(>6MAC
M"WMJ8?*<#0>Y35,#/2S/V;0H32Z8?'9%Y#2?3^U??-$Y'X$]2\ID\CF(R<=(
MF?D8KA"8?HRO7(2$>J+._G*:/)-K&J=)/EU@.JC(IPLLEGGXAQU2#<SD"M*&
M@'(),91KB*%<1`SE*LJ@.5>N6I:>JU-=YJMK>9=YYMZ,'X<5^EZ@G*<@TW=<
MRGD*3";[V'1X:08N&6NB#"=%SA0Q.5&!:??(>8JZ-(2I'LN9BS*$D!.7LOR\
MR2XF/V]?EV-'&U-*#$Q.)S[)70\L/7>!)=_MGD"7L&D+FX')N^81HP#+OU%N
M^Z),9&@ZSYDY4:[<\8P$<P_*VQN1@;F9-&9)2X)!EEZ(@9VJ::@,!R7G+11J
M=&$@YXV8G#=B<I*(R4E*F3E);OO_G)/DRP7952C?PG$GSNSQ39Y+)GE9<D-^
M#';JH8/0%%]A'/P?:^>ZW,:19.%74?@!QL0=1'@<(;!-PB`,PB1,R?ZG]=">
MB?6,)F1MS.[;[Y==UZZ3)""%_IC6.=F9U8D\7;>^3*?MHAI)"^ZIS91(DB8A
M25K`7@Y)'J-9VAQOY[]DM0[89-7FJ756/U.C8;H[3';`FLEH,Z@FV=&L7(](
M=L3*9!'91BSLT+)EV#[F2F*C2>F-2*RX)['BGBP&+.XNMT-4<EC[;G)HT[`O
MD,,PFQOF,&(GYEKC:%9D2`XCQF]?+@@ZUTIFH7K&LXOQK-$#>8VNRD6#O$I(
M\GI.2%(=S6+!\A6$X;2<9-<!FV3;5.&E9)\Y'^!;>GH-#1AK-TF8E&?$RKF3
MVH!5XR_*4S#R)AAY$W_D3>Q(DF"DI<::M-BH^*6TG+<=,XZ#ZZ*@-1\U[3,U
M&,\E;)"5:)?'<\ZV73H.FY1BTE0.3"!Y4I!$*4BF%"15`[#)E0V+ZUR=&,_9
M`SO2W0;LU'@N'EJ-(:B>>"@UGH7IC.>*64H*F<J')HQ$1:Q</\E3MJM#-+HF
M<]DLN2-Q-=;DS<;(==X^LZ\(0^WA=2Y@P_%<Q(H:R5W`JK$;RA.,1`E&HL0?
MB<IV=:*:L36)RF95HFJL292-B>M$G2JP,(8>9B1@)\=ST6P@Q("=',]ELW12
MY$TP\B88>1.,)`E&-=78,$GV<:9/25)OWTP#(G9J/!?-!N.YA/$K9A7J@[^C
M:):V-.SC@XV,KI/-8#R7W)==E$VRLZGF\R&_3V9I>V'4WHBV318A8)-5&T#7
MI?=Y&IV$<?B@(B-V:CR7S,KUJ!LEK![/)2PL_H\6TXOFN0$2&V<#I3>ZR5AQ
M3V*C77%/%@-FST'U3]0VOQI)K)TW2;3Q\A=(8AAV#Y,8L1,#.IY5[;N<>D"7
M,`8!SY?/=Z-HEA9<QY/)LAU@D=GHOUPVR*S$)+,1>S$FR0YF*29SW6:83[KK
MB$VZ;6C]4KK/'-+QM?'83Y<$L<3;_/+K4;*CI\N)E"7>8I2NCI1Q#%!$3;H%
M([N"D5W!R*Y@I%(P<B?8K8/M'.P'!]L[V)V#'1SL1P>[=[`'!SLZV$\.]NA@
M;QSLK8/][&"_.!A+O)I4EG@=\,H#FUIHZMEF+W4]G^C^)W&V4RYS-"1@U12#
M=@A&,P2C)`/&[F`J74I2["A)P2A)P2A)\4=)BATE*1@E66--FFPV4Z?I,[NJ
M,"D:7F4#-IBRV,/RC.*KK)"]B.4IB[,$7=E4Z2P')I!\*DA"%22C"I)2!<FI
M@B15082N($I7$*DKB-851.P*HG8%D;N"Z%U!!*\@BE<0R2N(YA5$]`JB>@5-
M]@Z*W!P4P3GHH&CX[9N:MFGG%ZCI,'L=UG2<T=*FW&LY"[Q\I$W+/&##NR)G
MS2,$7#>R6:IIKAN"4><2@C+/=J5UTUG3JU+XV2R%H.X%H^PE!%6?[>H0S:`1
M'62S%`(9"(8*)`0BR'9UB.8N)F21S5((5"$8HI`0:"+;U2&:>SM1239+(1")
M8&A$0B"1;%>%:!\_0#39+(5`,X*99"2&]939L@[2/%/!_FBQ2U%X#\$`;!1D
MZP^U@DYUGF&]8BB5@)V:.T^B6>DG:5G`3LV=BUDZ*Z22#TT84A$,J0B&+@1#
M%X*A"\'0A6"(0#!$(!@B$`P1"$;%"T;%"T;%"T;%"T9Y"T9Y"T9Y"T9Y"T8M
M"T8M"V:UK""UK""%JV!='OS&3>':>M"G%&Y8/QH6;L":]8Q&5#0MF`W7,P+V
M\F81U_AHEC:+N">N6>VBD(/-<#U#0E+(YX2DMH/9RX^,4NX2E7*7J)3[.5%1
MP#E1$85$1102%5&<$Q6=G!,5Z4A4I"-1D<XY45'3.5$1F$1%8!(5@9T3%<U%
ML^=+"0U*2-.@Q+3^Y)R@UI\$NY>KR;J8.G*C5%N4_!2EAD7,H5(#9OO5>32F
MKZP;,;&PT1@;L*E/H&41*ZM5R#)BX?O24QYF'C5#`F09;<K*%_V+^$>6XA\-
M!BR^%6\Z:T9-J$^<HSYQCOK$.5++SDLN](VKR8Q-K)0+I"8AD)J$0%<YA"WF
MS4?-V!5%Q8.*<Q0ESE&4.$<^$0O)UYL"48YX1SGB'>6(=V0R\#[EAK%V01>9
MB'^3B00PF4@$TT0`^75?^`%,$W68H2;L56F?HHG>OEF-CUC3>S7+;U>C:#;H
MO1)6ED"^2W;Y5@I;(AYN%%\GFT%7E7R55;I-LF/I/=7>]PE+_L>3IB/<)HO*
M^VW"JM;O,E:\_Y`PKE-]Q;;OQ]TG@\KY7<(JYX>,%><_)BPVG?>W-'J^3Q:5
M]X>$5=Z/&2O>?TI8]#ZY;)\\>TP6E?<W":N\O\U8\?YSPE+:)[/YLKG4_9)L
M*O_H07]7])#`$@$]1/!D'Q'M0IA&#[8[4/<1G[<X-0V;#(.N(V*G]E&26;FB
M=:.$U5U'PLI],<W:.RJIMSI^??7AKU_=9*RX1R71KKA')0%+[_]NU(Q&Q#<:
MB5CQC4;$-QH9^!XW18Q$Q#<2$=](1'PCD>S[A6LB.I$0Z$1"H!,)@4YRB%[B
MS<4)E8AO5"*^48GX1B41R[]J^S0"(A'W)A+Q;R*1`":2`/+#OI`@.HUT<*^P
M1B2VI_,%1!*WAHJ&:7+$3NR3);-ZGRQA>,A#,V=G-YF%X>MBL1S/FU$%PHFM
M*"L$""=B)23"B=B+(=%2-`LAQXNQ]CC1H@1$31$K`5%3Q/CS_#DBL&`67T$Q
MOU2%13\E'@J+6(F'PB+&G^?C(;IH%J<$\_9V,_06+4I`]!:Q$A"]18P_SP=$
M@M$L!)S)2ST08;0H`1%AQ$I`1!@Q_CP?$%U&LU@UR\EDVBQR(LQH4T*:,"-8
M8IHP(\B?YX.:5H.=O6FXV+7W>9I6H[\^<J-5VT-\2:MG;K).XU[D0*P!&]PW
M%^T&VRT1JS:U&.6%8RL,V0F&[&*,DE1D)W9H3##Z*,%0E?A#56*'A`2C7Q(,
MU8@_5"-V2$0P1"$8HA!_B$+L4(!@U+Q@U+SXH^;%C@(7C((6S`I:'%I!JR75
MJR"E6H--J=J>X4NE>MZ]C#8=:F_;B]A@8S!AI;)H73C69DS6MT^Y+:X955&Y
MQ29-*BA=!:E=!2E>!:E>!2E?!:E?!2E@!:E@!2EA!:EA!2EB!:EB!2EC!:EC
M!2ED!:ED!2EE!:EE!2EF!:EF!2EG!:V>'92"=E`JVD$'14-!-#5M6XE?H*;#
MCN1P/A%W*4]L#-JW1=K][XB=VA@L9E6A!W>#UZ5H",H\VY6NR]D8+&8I!'6?
M#TT892]G0=5GNSI$,]9!!]DLN4,&@J$""8$(LET=0C8&BUD*@2KRH0E#%!("
M362[.D0S-48EV2RY0R2"H1$)@42R715"-P:+60J!9O*A"3/)2`SK`K)E':39
MP[`Q3;;+'I%0#38*L@W'6D'_.YJ^^W7UM__KGO[\]>E?C(LN_L+:XK??]!-<
M&A<V*(=2B3N91"GCJ/8S.S0MF@UZA("=VAB,AV*6SHH^(1^:,+H$P9"*8'0(
M@J$+P="%8.A",$0@&"(0#!$(A@@$HR,0C(H7C(H7C(H7C/(6C/(6C/(6C/(6
MC`Y`,&I9,*ME!:EE!7-U5#^QC;QKRZ9P;2/Q4PHW;#P."S=@-K[/A3MI'U*B
M:<&L6H.C91%C/R0?ZDV'@UFZZ_ABO%CH=#C85,MR%+*$I)#/"4EM1[,79S64
MNT2EW"4JY7Y.5!20H_8CNZ:;0`T2#C5(.-1P3C@$DL-5Z6^G;FA&HJ(9B8IF
MSHF*C')4[R21E(1#4A(.29T3#I4%LU(\\D8<5"<A3742TWJ0<X):#Q+M7JP?
MTV8=N=&F[1)^BC;#KN)0FW&GD?6T+#!G*Y`9KFP%)JPLN'XW2EA8^9LL+I>3
M9NI!CQ)]E056A"C^$6+$BG]4%S#K:7-S9;<.U4D(5"<A4)V$0&(1"Z<PGK5O
MJT5DXAV1B7=$)MY15,`X`:OMRW;\@I;$.5H2YVA)G".<B,7L\S+<X983TA'O
M2$>\(QWQCDZ&WED]:J\$Z$3\FTXD@.E$(I@H`OCRSVNBJ,,THD!0GR0*LV_W
M`@/6=%C-[@&M#6;##BMB984)400L/X8SD8=&$46P&?9.XA]1B']$,?`_&;<[
MC>A!O*,'\8X>Q#MZB%A\CU;[X#)R$.?(09PC!W&.'`;.%^V+E)&#.$<.XAPY
MB'/D$+"8]^EXV5R*D(-X1P[B'3F(=^0P\#X>+7@/]%!NR$'\FQPD@,E!(I@<
M(LB?YZ]V)H=@YVT%VNQX((?/VPKLW30JB=BIK<!D5B[W'5\([$4W*Y?V[S*6
M'JF:Z%NSTF%%7#?YL.)^D['B_ON$Y4>JFH7O;3*8%>>W&2O.=QDKSG](6'(^
M:2X5^V10.;_+6'%^R%AQ_F/"^H]B/5\&]\FNBO&0L1+CF+$2XZ>$I1/037--
M_9MT4/5=@+<9*\Y_SECZ9:?C9K?QEVQ2DH]04LS2>(22P!(`H43P1(I02CJZ
MCS/L.&QR_"64$G8F!X.LWC7J.;$?F,S*])L&1W>#`4^[,X5X@EEZAFW!$VOM
MYSNND]&\K`P@G^B_Q$0^Y\1$4<.8DW%[QSR:BIY*1#0E$='4.1&1V3#B^+)]
M*2A"DX@(32(BM',BHKUA1'L-X_`:C^PD(K*3B,CNG(@H<1B13VC(("YY*EE%
MBQ(1+9X3$7DV$<?<Y=7$1*#15XEI`I6@)M!SHIIFHQUK#\]?U4RR=>0@V:__
M_/O3T\?NW<=WWW[SSZ</OS]=/?WQQY^O?GW_/[:2-N:"5.&O/CS]]M>ON"-M
MLNI;S#)6/B9PW)@&QQUF_</Z#?EZ.><XOH7J'&=4M^RO1.U17(HX+&S5--RZ
MY_A>0*^YAK2WMW$@#YPZ\7J.=VIY$1D%6&ML+4>/?$UC?(]VB'/`>@SA'F&9
M<O,T7;WFJ62-O8;H^K)I3W5"D'"=;)BU,9V;@]?SR]7K9=\C-`=QZA;)MC>T
M$<"S%:-L[T`&U;,58V2/8T@\6S'$]3A&M+,5(U2/.QK'^-+C&$[.5HP-/<Y&
M@K/^+#R6>S3G',D#*'J&'`EI5>RQP(N>[.\KU,Q-+#G>STIR)I8<CR,Y$TN.
MQY&<B27'XTC.Q)+C<21G8LGQ.$M.+U27Y?T:E[24ES9H<LC-=$4.O-+@WN3I
MBAN//8Y;BZ<K[AOV.-SUOQ3/V6E`^QE(J?M;$&M.0UV.6'-2ZG+VA!<I=;FC
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MTRT1]=+3V`9FZS([F+W+'&#N7>8(\^@RW8*R7+A5N5BNKOD@O>9@`[-UF1W,
MWF4.,/<N<X1Y=)EN0:L77G:ZQ9@6>/6V@]F[S`'FT66Z!2.F\&*TIG?8P&Q=
M9@>S=YD#S+W+'&$>7>;MG'%2F,HW+5@O+E;=PJNW:YB-RVQA=BZSASFXS#W,
MT676-DCOYIX8=G.NA6ZS[SBA.Y<YP-R[S`/,@\L<81Y=Y@W,&Y=Y.[\@I5[B
MNOD(QBVK^1C&*ZLU<=9NG"N8*Y?I8*Y=Y@;FQF4V,%N7N86Y=9D=S'[N79;O
M9M/575C1:\KJ`'/O,@\P#RYSA'ETF8Y<7[NYWL!L768'LW>9`\R]RQQA'EVF
MFR%NGCC6BU4WHW9XQ$>9->>S=L_G"N;*93J8:Y>Y@;EQF0W,UF5N86Y=9@>S
M9S%>6[V;,8=UCWEK,U%WQ:";T<VP]*+>-C!;E]G![%WF`'/O,D>81Y?9L9ZQ
M=]MV1ZOO7.8`<^\R#S`/+G.$>729-S!O7.;M%-6S/:C9Z6SZZL]/69[XQ5V<
M6!-G[<:Y@KERF0[FVF5N8&Y<9@.S=9E;F%N7V<'LW:6*@\U&><^`YN`!YL%E
MCC9+=9F.C%Z[&=W`;%UF![-WF0/,O<L<81Y=IF,Z_^A.YM>T>NVV^@KFRF4Z
MF&N7N8&Y<9D-S-9E;F%N768'LW>G_3M6?/;N,7<<<^<R'0NAU^XRZ`9FZS([
MF+W+'&#N7>8(\^@R'0LNC^YZR^V8*Y^[&+&#V;O,'<R=RQQ@[EWF`>;!98XP
MCRZSAEF[S!7,E<MT,-<N<P-SXS(;F"WOEU;-;6RMQCV&G0?F8-Y"33?FU^;5
MX)XW?FV7V7',WF4.,/<N<X1Y=)D-B]U;MVWL$ZUN78;=(F;3WOFPT[.Z<QGV
M>YAE>\>P5[-Z<!F6C)GMN[F&84G4R1LKHK3-8U@/I04>PVHHOX_'L)?".I/7
M:G9/6&7R&/9+:+7'L-?'"I/'L./'^7A+";=<=KPK_(Z+CH??<6'Q\`-=A8<_
MT%%X^)%NPL/7LU7GM7/-!=JSO^+R[.$=%V</O^'2[.$;RM3-'.L1O?W7>;#\
MY[??_/O=[T\_O/OP^S_^]>>K/YY^8TOJHO\"\8=__&YW7X1_?'S_;][G]]6K
M_WK_\>/[?_;_^_>G=W][XOGFB[^PV_O;^_<?TS\0Z-?_>?_AO_MMKV__7P``
M``#__P,`4$L#!!0`!@`(````(0#.&\V6E04``%84```9````>&PO=V]R:W-H
M965T<R]S:&5E=#,W+GAM;*R8V6[K-A"&[POT'03='\O:;<'V0;QH0PL419=K
M1:9M(99I2$J<O'V'FR22;IJ<YB:./P]_:7X.R9$6WU_KL_&"FK;"EZ5I3Z:F
M@2XEWE>7X]+\\X_XV\PTVJZX[(LSOJ"E^89:\_OJYY\6-]P\M2>$.@,4+NW2
M/'7=-;*LMCRANF@G^(HN\,L!-W71P=?F:+77!A5[.J@^6\YT&EAU45U,IA`U
M']'`AT-5HBTNGVMTZ9A(@\Y%!_??GJIK*]3J\B-R==$\/5^_E;B^@L1C=:ZZ
M-RIJ&G499<<+;HK',^3]:GM%*;3I%TV^KLH&M_C034#.8C>JYSRWYA8HK1;[
M"C(@MAL-.BS-!SO*;=>T5@MJT%\5NK6C_XWVA&])4^U_J2X(W(9Y(C/PB/$3
M"<WV!,%@2QL=TQGXK3'VZ%`\G[O?\2U%U?'4P73[D!%)+-J_;5%;@J,@,W%\
MHE3B,]P`_#7JBI0&.%*\TL];M>].2]/Q)C/?]X)9"#*/J.WBBFB:1OG<=KC^
MFT797(NI.%P%/KF*ZTZ<F6_[`5SUHRH>5X%/<2\?'@M7H7G`)Q\;3CS'#V?V
M)VX`%@45@4\N8G_>BSD7@4\N$DS\<.I^X$8L-CETKK=%5ZP6#;X9L(#`_?9:
MD.5H1S;4B)AE-B7]O/_;M,-\$Y4'(K,T(3N8T!9J]65E3P-O8;U`@94\:'TG
M2([8B`A2341WJX*="F(5)"I(59"I(!\!"WSIS8&B^PISB`PQ1V2U%F!PRU&,
M$!%BR%8%.Q7$*DA4D*H@4T$^`I(1[M<80626)OSMJ\3U9W+F:Q83A*.@0`[9
M]"&].QK9:2362**15".91O(QD4R"S>4KJH7(+,U`64N^[,&:1[UG4Q_2VZ21
MG49BC20:2362:20?$\DFV$<EF^Z?)V)C(='4#9'$FA%V\M%-8L.)UR^P+2/>
ML.1V&HDUDF@ZJ1:3:20?$RG10$F4;:T3<OAUIZI\6F-V^MTQP(4ME&VL1$3.
MGQ$XB84C&TY&^3/BP4'1KS0G5);1K@\20K%&$HVD&LDTDH^)9`F4JS3W/V0)
M$9$M880T)T.Z_EQ>,1L>-'*)$7]*SRMG:KORB%W_>V^01A)-->UCR"D(JLK6
MGO6_"]5\3"2[8`^0[+I3*="#B%(AT;(OC/R'+SQHY`LC/IR*@YUAJ)C3!XDT
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M2R+0()T*-$AG`LW92@P]9RIO)KF(H-*R=Z2-_/_>\69TN/4U-$9TWX.5/O).
M:1\W(HH];+-'+3[P_7U.#&3%&,*Z\I2^(A8APXF2"#1<+A5(.K35C23C4;";
M4H]#!S8))1?R$H1F3*_'3&8O-=B#;HV:(]J@\[DU2OQ,7EC`K*P6/>[?ICS0
M'47A:_*6A:QKE3L1/"W=X6X$3P@Z?_"B![A1_8>U%T&OK/.M'T&+JO/4CZ#E
MU/DVB*#ONL/#**9[@))`&D;0>-R)GT5P`@.W^@'P5N=:'-&O17.L+JUQ1@<P
M<4H;V8:]%V)?.GRE+Q0><0>O<^B_)WA_A^!!?CJ!>3Y@W(DOY`+]&\'5/P``
M`/__`P!02P,$%``&``@````A`/VQ"X_B"@``=S```!D```!X;"]W;W)K<VAE
M971S+W-H965T-3$N>&ULK)M;<^(Z$L??MVJ_`\7[!&QNADIR:K#QC4MM;9W=
M?6:(DU`#.`7,[=MORU*[I6X/D)SS,H2?6W])K=:EA>?^CY_[7>M[<3QMR\-#
MV[OKMEO%85,^;0\O#^W__!E_"MJMTWE]>%KORD/QT/Y5G-I_//[S'_<_RN/7
MTVM1G%N@<#@]M%_/Y[=)IW/:O!;[]>FN?"L.\.2Y/.[79_AZ?.F<WH[%^JDJ
MM-]U_&YWV-FOMX>V5I@<;]$HGY^WFR(J-]_VQ>&L18[%;GV&]I]>MV\G5-MO
M;I';KX]?O[U]VI3[-Y#XLMUMS[\JT79KOYED+X?RN/ZR@W[_]/KK#6I77X3\
M?KLYEJ?R^7P'<AW=4-GG<6?<`:7'^Z<M]$"YO74LGA_:G[W)JN>U.X_WE8/^
MNRU^G*R_6Z?7\D=RW#XMMH<"O`WCI$;@2UE^5:;9DT)0N"-*Q]4(_.O8>BJ>
MU]]VYW^7/])B^_)ZAN$>0(]4QR9/OZ+BM`&/@LR=/U!*FW('#8!_6_NM"@WP
MR/KG0]N'BK=/Y]>'=F]X-QAU>QZ8M[X4IW.\59+MUN;;Z5SN_Z>-JA[5(CTC
M`I]&Q+_K^X-1\!Z1OA&!SX^W!-I<=0<^C<CH8LN'QAX^ZY;7O;_08Y@^53WP
M:<IY=\%@T!\&H]O=-C8B\/GQ'GL0,E53U!_8AYM'SH-QUZ4I`#[0$P\C0/UA
M&C%X?PAX&`/JCUO[TM$174V0:'U>/]X?RQ\M6'4@9D]O:[6&>1,EB%-##VL]
M67XW5V"2*)7/2N:A#0,-T^`$$_S[H^=YP7WG.\S*C3&:-ABY%B%:J"FH=",.
M9AS$'"0<I!QD'.0<S#E8<+#D8&6!#OBV=C"$S-_A8"6C'(R>F2(@C_O,F6B!
M12(.9AS$'"0<I!QD'.0<S#E8<+#D8&4!QYDP<80S^["6-"_D&)RJ%"S95G`&
MPZ'KK*FV&<)"6$<P,PEKD]JA@LP$B05)!$D%R03)!9D+LA!D*<C*)HYO8?(+
MWZI-\ITK@9)Y:`^=I:`[&#-W&ZM+[JY-:G<+,A,D%B01)!4D$R079"[(0I"E
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M71OUU`_8H,Y%`Q:W-&#9U("@YWIQ=:4!SK""8YUAK6;94*5%5S995=`=84WZ
ML.%8(\R&*M1&OD\C;,BP)C,C!$VPA%@G8U/,-A)>3D1MJ:@M,T0'C^\-6?#D
M=44X1^9"=2%4EYJHLXK5ASX;J%J:C.P^.`,%,2<'"D;Z]M5/*;@CIHG'AHPM
M$J&V\L?U`$6:]&@^S0QQQYX=J&)C9"\!=G?US!2UI:*VK*Y-)1Y]/MWSNIYZ
MQ(3H0H@N'=%>ES5^98LZ`Z-2S+\X,I6$.S0&>0,UQ)AC!:.1&T&A,1O0!A8A
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M^U><;%)#>W70"*I`9X7J3@Y\#!^((H/LM$ZB6*+$(/A`K51:91+E#G+[#)/S
M/7U6YFQCTVADGP*"@)\YU$4$%!R19R*#!LX>%K#XFY$5]CF6*)'R*5G9$X_M
MMQE9H7SN(-=9*IFR`T1?MKYW5]$IF;.K:.2-:/4,/<T<CVD$F2LV=F:L+!1+
ME$BME*QL][`31$966&/N(-<]*D_A[O%OR3T@011AI9&;7P9L!0M-03O!1$33
M<H8(CGRT@_$KK=A8V5DE%J3\-45$\AFBB_*Y(^_Z3:4-PF]J4;[Y(L13$FQ>
M:C2`]>?WG0Y-0>>\:0I"L%%!D:*;@NS4-F9I<8SZH$EB_+R4H!4=%%.#`LI)
M,D*D%8S9AINC5C5`KI_5D=_V\Y7U76<(SCS5R`E*GP=2Z&DK&'"<-!$BBIH9
M(C"N/1-(_VDM"$JR$H>O!+6HQA01U9@1(JU@S$Y:N;'2T\#QGVJ$X[\/+7^5
MBANJ!ET)5;2B((D0438Q,TC%I3J/\7N]&(N07Q)$))P:9$<?(=M[['B>HY:,
M/G75^3=X3Z8DE3!<I3I33`0E6M'>$1EDI_V(+N?]:&5O^3(H98VI00$=8#)"
MMEO9Q4I.-<*4<H.R\:P/O^Y?N^^"*RN^9!JD*K.F)#_*H!7E`!$B.PZUO'-A
M)):*&`M2Z"6(2#Y%1/*909?E<RQ(\G-$)+]`1/++F^176+"2=T>%)S*7EUJ_
MSE=PQ9P:U+=WH6#,3H>AL;*76D0TP6>(]-W%T,J^JBNJV#R'N8O5)UC$6E$1
MD7!&B`+&\T3PZMYI>==-*CFX?4?R=2YA[T@&.3=^HSYK06BL8+RP@Q$B&O09
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M9`J7;_))"$_4=:%\`G>L4$_3$[@QG:AK05D&+DZA!=42Q7H#=X;PI*E,!-4T
ME@"I)KX83.`](5EW-)S`:S:2IU!Q$U\,)_"""]AWZJ;":]]OZY=BN3Z^;`^G
MUJYXAD#J5EOR4;\XKK^<S4]`7\HSO/!=_1KT"B_X%_#2:E<EC\]E><8OJH+Z
MOPP\_A\``/__`P!02P,$%``&``@````A`'H.BLMZ"0``I2H``!D```!X;"]W
M;W)K<VAE971S+W-H965T-#(N>&ULK)I=;]LZ$H;O%]C_8/B^MB5+\@>2'"36
M-W:!Q6(_KAU'28S:5F`Y3?OOSU"<$3D<U8Y[VHLJ>30<BB^'Y!M;-W]\W^\&
MWZICLZT/MT-O-!D.JL.F?MH>7FZ'__U/^F4^'#2G]>%IO:L/U>WP1]4,_[C[
M^]]N/NKCU^:UJDX#R'!H;H>OI]/;<CQN-J_5?MV,ZK?J`'>>Z^-^?8)?CR_C
MYNU8K9_:1OO=V)],HO%^O3T,=8;E\3,YZN?G[::*Z\W[OCJ<=))CM5N?X/F;
MU^U;0]GVF\^DVZ^/7]_?OFSJ_1ND>-SNMJ<?;=+A8+]9%B^'^KA^W,&XOWO!
M>D.YVU]$^OUV<ZR;^ODT@G1C_:!RS(OQ8@R9[FZ>MC`")?O@6#W?#N^]93GU
MAN.[FU:@_VVKC\;Z>="\UA_9<?OTC^VA`K5AGM0,/-;U5Q5:/"D$C<>B==K.
MP+^.@Z?J>?V^._V[_LBK[<OK":8[A!&I@2V??L15LP%%(<W(#U6F3;V#!X#_
M!_NM*@U09/V]O7YLGTZOM\-I-`IGDZD'X8/'JCFE6Y5R.-B\-Z=Z_W\=U(ZH
M2^)C$KA2DF`T#\,@FL\^GR7`+'#%+,'("R:1>I`SG</==@1PQ6;>U.K\3,L(
M6\(56T8C?QYZX:4N8?&T7<(5&X:?>=(%-H,K/>GL<QUZ4!=ZFE2!Z"F8G1WD
M6,]S6S;Q^K2^NSG6'P-8BS"3S=M:K6QOJ=)2P6B=NA+Z605!Z:@L]RK-[1`$
M@.)HH.R_W7F3>70S_@:UNL&@AYX@'K&B"%68*F_L@L0%J0LR%^0N*%Q06F`,
MNG3B0`'_#G%4&B4.C>J!@%'+=X2@"&H2NR!Q0>J"S`6Y"PH7E!9@0DQ_CQ`J
M#>PH5I6$X9R/_$''1#,KR*FC51?2J2-((D@J2"9(+D@A2&D3)A)L5+^C6E2:
MVV'DK*69(Q-&G9.I"^ED$B01)!4D$R07I!"DM`F3"39F)E/_T40;BXINU:!!
M/&CB3;OEM$(2="36)#!++A$D%203>7(14PA2VH0-%,X1-E"]M8[4$7AZW6Z^
M/M3Z).T18`I;J-Y851(^?DW@4"=%5DBL\6L2P,G2[<?3R9274-(%4:)4D$R0
M7)!"D-(F3!(HU[\NB4K")=%$^9QNN'ZXX,-=89"EDB8AG'I=LS#R>+.D"^I4
M$B03J?,NQDH=.FNXZ((H=6D3)ASL!DRXGIH!7T1%HZ*Y0II<4`B#+(4T">%\
MM!1RSJJD"Z)AI()D@N2"%(*4-F%R0&%?(8>*YG)H$L!Q9XW+61\K'>3-NH46
M:Q+:S?S(E0-SPU1VN?VI4XRI#O);,]\N]$STEG^FMP*#U(;Q[2[PPC#D]5O:
M/3$-E=N[0L0VG*N(R.?E$?`'6%&4;W0D%'4H012P-2QDHX9F\\L(F?0Y(9.^
M(!3\5">*:%-SH90]M#WR^<7G:3<)!SBMAP=$3KTY,[7"*+O@")E<">6:M2-9
MN-M<BO?MTJ(LII)S0B9Q@2C4I>1%P=RI[)*EYA(IXWB%1-IG,HDT<FK)=7X>
M1IG)C@F9R4X0P1^+K4;3T73!_LV3+\Y:3RF+75BBKYRB3%^%TY<_"EE7BX7H
MJZ0L/96FO.45,J(5-9/X`+9([75.I3D'SPJC6*7IAI[)E5"N\SL91K%ZPUQV
MO8GTA4FOMB[U>03?.$J6F9>;,I=7Z(1>U(SMP=,(NJ!%NB)D'7^(;!\I42I1
M)G/E,JJ0J&2(CUGY3'O,OV0GE0-PSD)$<#%2Z"AX&$(Q1G%+Z3E3EI@H:IA*
ME$F42U1(5#+$U5&6\Z^KHXTKVY<T4CV;X]S==%<>1MF":73!76)#B#*"=0T)
M93)];AJ:YPJ%PS11E*MDB&NHW*>MX85S3IM5)I9&E\3"*%LLC2X83=BO5/%"
M%(TFE2B3*)>HD*ADB"NCC.@5RFC?RI31R-F7G5-H!;NO&B`\"`TP)@1W3/T)
MSTE18/9,E'1/.CW;JD6/.>4ZVV.!43-M0^`STFCB;M]V;UQ.Y4FOD%-;6"8G
MNMH+SA.C;+>`R)S@B:?1)>>)#<TNF6%#WZ3/"9GT!2$4:C$3#ITBI!^`F;I&
MJ#:<6W1$3MTYV_8*H^RZ(V3.S(30HG55GN>XBA3OPX6J-Z,FIJ!S0B9Q@0AK
M*?2%$\``N$!F5DK*+UY12FVXHY"VZQ>,)S:TYCHF9.8Z002EI"W-U/E;**4V
M]FD2S)V5DU&455B$3&>%VYGKUJG)S_KB.BJS^_DE"3JX-@*14VE.C:PPBE6:
MS@4;"I5-0E&PYLYL9QBEJT+_$4T-[7H3Z0N*TH7<XSQ99JZ3\K%7Z*1MK[UU
M^>B$+>=)R#H0$=G.4Z)4HDSFRF54(5')$!^SZ[9_R7GZTH0C`KM`,[\B9$NA
M&S+G&4;.UP8)-H0HRI5*E$F42U1(5#+$U5%>V:Z(7U-'97$V)HTNF"GU;:BR
M#+9@&EUPGMC0=IX293)];J+,X@PCYP.NPD31?)0,<0V5Y;4U/.\\?>V0V:K2
MZ))8&&6+I=$%YXD]VLY3HDRB7*)"HI(AKHRRO%<HHQTR4T8C9U]VG:>OH]B^
MC.BL#TRHX86M6N=B6[7H,:=<9WLL,*ISGK/(L3,E1O39!>5)KY!36U@FIT;J
M<.V.IC!RSOF5CU'F!(\)F1,\073!>5)#LTMFA$SZG)!)7Q`BB]XC%#YFC_-4
M=O<*H;0[9D)IY-2=,U4K7T>QND-D^P%$^L`.G+TFQ22LND3>G+HR>0M$5$I>
MY-B5DF5F"W-ZG35OP_G^CLBI)/<33XHR4QT3,E.=(#+&TS&#*;6!HZ$K6VD\
M*<ITEA,RG15N9Z'SE5E);7[6&1?R.@</+T^Y!R4B7FDSQU2O,,JN-$*F(A)"
M4#Z=3O+;&XRR"XX:6LZ3D$E?$"+GZ?Z!H-X-4\.SMR[]KI=^:6=?'5^J5;7;
M-8--_:[>XP)C<G?3X>XEL_MV"AW^`"^?M9^=N-Q?PIL?<$Z[?`HOJ_7P^V!Y
M#P_:TR!8PO?^DL?^=*G,JKP#YA3Z[KL3^Y`,1B?;Q'X(V=H]RWE@\";0IN].
M[$=PIRUBITWL!4OU$:[L!SZR!;WZ[L"GH7"GMQ\O@FQ]_<`G=M"F[T[LS>!.
M6SCNL\%`^WK)H?L^'D,7O3W,EFE?_APZ[N/Q?`G?O8(BX^Z!X"7!M_5+]<_U
M\65[:`:[ZAF*;]*^S'#4KQGJ7T[U6_M2V6-]@M<#VQ]?X770"E[FFHQ@0WBN
MZQ/]HCKH7C"]^Q,``/__`P!02P,$%``&``@````A`)T#T-3'%@``Y74``!D`
M``!X;"]W;W)K<VAE971S+W-H965T-#0N>&ULK)W)<ANYLH;W-^*^@T+[ML19
MKK!]HD6RYCGNL%;+M*UH271(ZNGM3X)`5@+XH2*E.)N6^ZO$#Q020"&S!G[Z
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M+_W^KW1W]_W'"[E[06>D3BSZ^L]F]WQ+/4HR'Z8+I72[OZ<&T'_/'N[4T*`>
MN?G[\_F4*K[[^O+C\_EL^6&QNIQ-R/SLM]WS2WRG),_/;O]X?MD__+\VFA@I
M+3(S(O37B$P_S*>+U=5;1.9&A/Z^OR74YL/IT%\CLGI[2VAN'$3HKQ&96R(C
M_?#1%*2_@5,8*3@AOQ^J5/\8&CZ]6DP62^6'L:+D.5W4<N%X"7;7Q/(7G>M8
M)>R<B7CGQ#Z9++E]]`]S:O;H&*MUQ47I'Z;HY$A#V7?*CHM,/DSFEZ_TXX6>
M#X?IM;EYN?GRZ6G_UQFM633BGW_>J!5P$BDQGEBZO<-4>VVFT113*K\JF<_G
M5)XFT3,M#W]^F5Q^O/QT\2?-Z5MC=!TP<BW6;*$FL-+=^&#K@]@'B0]2'V0^
MR'U0^*#T0>6#V@>-#UH?=#[H+7!!_AF<1$/^/^$D):.<Q+U[S4"\-O4<PA9<
M9..#K0]B'R0^2'V0^2#W0>&#T@>5#VH?-#YH?=#YH+>`XQ!:4<`A,UK3PI<C
MGB2J%%UXK$FRN+IR._Q:VRQI)1AFTM(U60\F@U.`;('$0!(@*9`,2`ZD`%("
MJ8#40!H@+9`.2&\3QT>TA(./U);AC2N;DOE\OO26MHGKDVMC->:VP61P&Y`M
MD!A(`B0%D@')@11`2B`5D!I(`Z0%T@'I;>*XC3SDN&U\2BGK@W>X4Z\UF<LJ
MMP:RL8E3.5V[G<KUU?##B@J\_+B[_?UZKS>)@4;-Z*JGKX5*Q&V3)C3XN)5K
M0^8#V6@RISW5,/$7'S^ZPVP[&+%0#"0!D@+)@.1`"B`ED`I(#:0!T@+I@/0V
M<5Q$4PQ<-*4+YQNGM9)QG:3)BI;\P0'3A>>`M3&:B=\,H?$\%)O-%Y[?!J/!
M;T`20V20I(.-2"\OO4U5-ABQ=`ZD`.ERL+&EO8M_-1BQ=`VD`>EVL+&EYVZ'
M=(,12_<V<1Q.*R\X?+)XXYQ4(JZ[-2%W<PO6AEB^U83F)-ML@<1`$M!)!QN[
M2[Q+2#88<64YD`*DR\'&EIZYO5T-1BQ=`VE`NAUL;&EO9'>#$4OW-G$<24N;
MX\C`(DI!(*^BRMKUF"9JK@\S;7GI;XZ,D;AU8\A2G*C)7"WJ'*W`3(]-,9F.
M"4BG()V=(IV#=`'2)4A7ITC7(-V`=`O2W2G2O2WM^%4%\V]P[,'<]:Q!<UKT
M!X\L+U?N*%X;J\EJ\.3&H(6S:"^]=6S+5NH2_>>7Y=7,&\2Q,9@><E"'BWB"
ME:6,:(`/K9SZE65L1=TE5C/O.I)CC047E-,K#1H_O8JM7CN]&BMKL+*6T>CI
M=6PU>GJ]4Z,[6%2,:R<<QE>!B0Z):?O-Z\NU07/:^`\=/)MXJ^G:6$VMA8"1
MM1(PFNN4Q70VN_(&3\PFUD+`2+131J*=&>0N,S@0]`G2PL<G6+"6R)>,1+YB
M]'K3:S81[8:1:+>,1+LS:+SI/1<\R+M.5G'S&YRLPVS'R1HY*\)LXNU]UA-M
MY:P(!LF`V1JKA9X?D\EJZ0V6V%@X\Q^D4ZY-I#-&H[,A1_F""]J3'5I>&:O7
M6UZC=(/2+2-I><=HM.6](^^Z6,7=;W"Q"=.E!=<J+4M7>/K#(W_-R`J+#++B
MN2VB&%&"6BE:98AR1`5JE6A5(:H1-:C5HE6'J'>0ZPL53-N^>%?8JG+>WH[+
M(#MP962[2!=T0M?EI9?8VIJ"UF8Z1I0@2A%EB')$!:(2486H1M0@:A%UB'H'
MN5Y360C?:^^(9%5.R_>;1D=B65-P)1-PPV@\FA4KGKDQHH217'U21K8\1K1B
MQ?(YHH*1R)>,7'GO@EZ)%<O7B!I&(M\R<N7]R%:L6+YWD#L&5)K#'P-O#F[5
MO2=_!&ADA[?&RG&WMK+FY-9862A&E*!6*E:R+5M>>E?:3*RX=W)$!<J78F7+
M^X&N6+%\C:A!^5:L;'DO3NC$BN5[![F^51D-V[='=KHZ`>)L@C0Z$O'2[D=Y
MW]GI&B1;NJVQ<K=T?GHK9BT9]0DCV3&FC$0^.TD^YX(B7S`2^9*1R%<GR==<
M4.0;1B+?,A+Y[B3YG@L>Y%U7JYS'&URM4R2.JS5R]KN!"%A;44-X_&W4/5OR
MOOHS1$,0E&Z-U6IUB',6'_UP*38&S@X8*DM/JBQCJ]&M98XU%EQ03J]D-'IZ
ME;%Z]?1JK*QA9:FL931:6<=6HZ?7.S6Z@X4*OF6P*',O7:+1L0A86SGK@D$R
M]+<3@_3(F,Q6*\R.&!.95@F7DFF5,A+MS"!WS<$(&.0+UA+YDI'(5XQ>;WK-
M)M+TAI%HMXQ$NS-HO.D]%\05@2;26YQ\,'>=;)"S(F`$;*SL%8&1A%I;@\S\
M6%U]]/9$L3&@/[RP)"PC\R-E),H9(_*A+#_@8F-%?UB^X((B7S(2^<J@5QM>
M&P/ZP\H-RXARRTB4.T:C#>^-%?TA>6<6JXOR&V;QP=QSL,[\.+-X>>DE"M>F
MH#V+&<EPW1I$P_7PZ,W2VY3&7$3F0<)(YD'*2(0S$1[U+R:Q6$OD2T8B7XE\
ML-TU%Y%V-XQ$N&4DPIT(C[2[YX*!^:N2,:=?T<D]_B)MD#-_EY#!,E;._(4\
MT):M/K[F7EU$#U.=O^8B,@M21C(+,D:CLR`W5I9\P05%OF0D\A6C5]I=HW##
M142X923"':/1=O>.O#M[_>S5.Q][FPYI+1EF].";M[Q>LQEMRX=5TK]Q)3:\
MDFT0;1'%B!)$*:(,48ZH0%0BJA#5B!I$+:(.4>\@UY,4C;]EHBIS;QW6R,HP
MKJ>`-@YR6Q#*X[PYAE>/O_H-TXBR!SPBUL:*DDJ,-@8YV3=\<$2LN&",*$&4
M(LH0Y8@*1"6B"E&-J$'4(NH0]0YRO1;*O*CKP1N?(YEB[L6@(]DWMK*R;XQH
M]`W+!#Y+(E;B2I/MD6&1L)4,GI21+8_9-[%B^1Q1P4CD2T:NO+<45F+%\C6B
MAI'(MXQ<>6^CTXD5R_<.<L>`2I/8%_EWY<VG.MEB1_,&V=DW1K:[=4$KU;8U
M5A:*$26HE8J5#!W,OHD5]TZ.J$#Y4JQL>3_[)E8L7R-J4+X5*UO>S[Z)%<OW
M#G)]J[(7MF_'LV]3G>QPG*B16A.&V8C/FYB"M-7@1FT8R79T:Y`;3D+VC0O*
MJ$\8B7S*2.2SD^1S+BCR!2.1+QF)?'62?,T%1;YA)/(M(Y'O3I+ON>!!WG4U
M[0+?XFIE[FT!-/+VZM[X6T^UE;-7UVC\`8VM*6ANXTZG"V_BQ,;`VF`G6%G*
M:#0]E;$5M6P8ME.,R'7#K1H++B@[[Y+1:(T56XW66!LKJ\:&"TJ-K4'C'=JQ
ME;ZCCQW:.Y4Y@T4]I?^&P7(P=P>+06[</O&W\\;*7A<8R=#?,C(/<5Q.O&>>
M8C:0294PDDF5,A+ES"!WQ8%AP`5%OF`D\B4CD:].DJ^YH,@WC$2^923R':/7
M^J5G`UP-9BH7<?K"?S#W'*RS&72_G9?TM;&R]]T&66'#%E&,*$&M%*TR1#FB
M`K5*M*H0U8@:U&K1JD/4.\B=;'X6Y5T;K!DF5PRR0R-&L@?>&.2$1OA@@EBQ
MNV-$":(4488H1U0@*A%5B&I$#:(648>H=Y#KM5!RY!VAT6Q(CG#'7AMT)#1B
M*YF`&T;V[A]#(['B&F-$"2-9E5)&MCR&1F+%\CFB@I'(EXQ<>3\T$BN6KQ$U
MC$2^9>3*^Z&16+%\[R!W#)"6LXJ^;^8J%6]QU<@.C68&V>[6R(J#ML;*0C&B
M!+52L9(-$89&8L6]DR,J4+X4*UO>V^%58L7R-:(&Y5NQLN6]K6DG5BS?.\CU
MK9^P&@^-9IB9,NA(:,16<JG?,))+_=8@=Z,"H1$7E%&?,!+YE)'(9R?)YUQ0
MY`M&(E\R$OGJ)/F:"XI\PTCD6T8BWYTDWW/!@[SK:C_+=<35F,R::70D-#)6
M=FC$:#1VV!HK<X-O-IUZC_C&QL`*&Q)6EK`A931:6<96HX%*CC467%!J+!F-
MUEBQU6B--=;8<$&IL64T6F-GK%[MT-ZIS!TL?CKLR&#!O-?,9+3HPC_$GDL,
MC;25$QH9)$-_:[0HPW.X-3B=>@^4QFP@DRIA)),J923*F4'NBH.AD6F2R!>L
M)?(E(Y&O3I*ON:#(-XQ$OF4D\AVCU_JE9X/`:D!#Q[FH'W&P,O>NWAI-%OI&
M\WRR]/MM/1,3OA9M`FP;8'&`)0&6!E@68'F`%0%6!E@58'6`-0'6!E@78+W+
MW,FH$C1O"&.5N><KC9PPUB`[1M+("6,!Q3-`B4%62)RB588H1U2@5HE6%:(:
M48-:+5IUB'H'.;Z8^SFC=VV&#RJNBPRRPUA&EHL,<L-8/U.T%2N>=C&B!%&*
M*$.4(RH0E8@J1#6B!E&+J$/4.\CUVML207.=];'O`!AT)%IE*RM\8411C'4=
M]"Y@6[$2C^E&K,3["5O)A2)EY,I[3PYE8L7R.:*"D<B7C!SYJ?<D=R56+%\C
M:AB)?,O(E?<"IDZL6+YWD.OJ_TB>:8YY)H/L:)61[6Y=T`I-M\;*0C&B!+52
ML;*&CK\KSL2*>R='5*!\*5:VO)^)$"N6KQ$U*-^B58>H=Y#KR%#J:4)?:COV
M:1V5C?>N?P:Y0>K$BYS7;"6;K@TC>Q>+CU2SE4Y1XSV(F`UDZ">,I+*4D>SP
M,D&VC[QT3FZL)LZM$OKZE_O2=,%B4F7)2*JL!-E5>O<TZE>J].Y9-"PF5;:,
MI,I.D%VEMT;V;'7H1'>HT/KA;)`.%^53AHHJZ%V'-5+C<EBOX8L`Z[FVLH-<
M1O)HVI81[9A>UXJ-E1W6<D$)^5)&(I\Q&I7/4;[@@B)?,A+Y2I"T?CGU+BTU
M6]$=3=L,!@)T6,LEI<I.D*4U\_(`O;'2'>8.!#^==?)`P,26B@EI;'AKAC</
MUFPE`WS#2`;XEM%K][!B-K`7"%._**=L)<J9(+O'O`MTSE8B7S`2^9*1R%>"
M+/FIUPFUL?+7'Q@#<$:MZ//5I1-D53GS+DL]6P46`S_/=?(8P(R72G71&#BV
M&&@K9S$P2,;VUFBI]P3&%@-=T%D,0#YE+9'/&(W*Y\;*DB^XH+T80.LKMJ*(
M?FA]8#$P!8\M!G!&K>C+0!A:854Y\S:'O7-&[F*@LC:GA\USG>1Q-OT:28IC
MNO(NO6M32IEPPS<!M@VP.,"2`$L#+`NP/,"*`"L#K`JP.L":`&L#K`NPWF6N
MKU2FZ`V^THDEQU<FUR1[\34E,M3LM=(2&X/L%`>B&%%BD*65HE6&*$=4H%:)
M5A6B&E&#6BU:=8AZ![F^H"7$\<7[4AQ*Q=M::>2D.`R2('>C<AMJS:4_LM)@
MBF.PXFD72T%&":(4488H1U0@*A%5B&I$#:(648>H=Y#CM86?F!I/Z![,7?<8
M="3%P58RSS:,:(MG><S;OF_%BMT3(TH8R7*:,G+EO7UH)E8LGR,J&(E\R<B1
MAQ2'6+%\C:AA)/(M(U?>NXIU8L7RO8-<5_O9K'=-T`4FN0RR4QR,;'?K@C04
MN:U;8V6A&%&"6JE864,'4AQBQ37FB`J4+\7*EO?VDI58L7R-J$'Y%JTZ1+V#
M7$<&<U4GQ*TJT/<65X.\<,5+`:S92G;]&T:TVQIF+Z8XV$K?:@K<G&4#&?H)
M(ZDL920A1B9(ZE].O7U6;JS\$,,[OX+%I,J2D519";*K]*.:5ZKTHQH6DRI;
M1E)E)\BJ<N:=9<]6ATYTA\I[LV%J*^X/%8V.1#6FH!W5,)*P8\O(OEI#NB0V
M5E;8D7!!"3M21B*?,1J5SU&^X((B7S(2^4J0Y15(<;"5^CM,D>44!H+N5JO#
M6BXI57:"+"U(<1BK0(IC01<2W)V=LF:H@MX57R-OS?#FP?I0H_M1$48RP+>,
M7KL7';.!O4"8^F7JI&PERID@N\?\%`=;B7S!2.1+1B)?";+D(<5AK/SU!\8`
MG%$K^GQUZ0195?K?6NC9*K`8J$2*'2V=FN*@*!7&@$;'%@-M98WMC=&BCUOP
M>6T9C<[6V%@YBP'(IZPE\AFC4?D<Y0LN:"\&ID:1K]B*HD9KEGO[S)JMCBT&
M<$8MEY0J.T%6E9#B,%:AQ4"E2/R!H/8;1S;_.K-BA\\+DVR1N;(6I)ZZ^<6;
M<!LY;+==%@_W\N7G8M2(/:&AF)-9F)R,W=`!'1KJ;>\V4L)NJ,Q<MZ$J9^#W
MZ.Q*_9+0L4[5V0:G4TT"PF[K@`YM]>*`#?UNDIJ@ZEN+,@9G$DKIMNJ?1M*_
MW?*P>_J^6^_N[Y_/;O=_J)\]FERJ-//`S8\R36?1K_I7F;PC]$9ZI%ZJIEGL
M'YE=1>JYE,"1^2I2Z1P\0C_^].OA='TM^E&HPR\H^7Q*E0=TKJE1H3;].B?]
M8($YM2@@1"%&I*(%;"H%@Y$*&O`(Q821"N]"1R9T)%2&8K](Q0A8AD)`^D&L
MT!%*1T4JV81E*+D4J=01'J%44:0207B$$C_4!:$CE%.A(X=XS>]^:MMUL&UK
M.K(.'J%X/U+A';:`HO=(17EXA()X\D*H1^DN-YUIR*/T/$*D[ENC&CV60'T0
MJH=N:M.14!EZ_"!2MZE1C9Y"H-X)'=G,/D;J>2<L0\\W1>KI)3Q"3RM%ZEDD
M/$+/'M&8#AW9S&F$T-,K6.::VG8=;-N:CJR#1S9T1#UA@&KT`$FD'C3`(_0<
M"7DAU*/TS#R=:6AFT=L-D7H*'M7H)0?J@]#TI4?DZ4BH#+W,$*F'WE&-WFF@
M?@NIT1/Q="149C.C/J"7D5"-7K"B\PD=H=>EJ&VA(_3R$]43.D+O%=&14(_2
M^RW1=;!M:SJR#AZA5UNHU:'SH1=5(O5"0^A\9G0^H=ZA%\$C]4XWEJ%7]B/U
M:C<>H3?W(_42?NC(BHZ$RM`;^I%ZDQO+T(OZM+J'U.@U;SH2*D-?VXS45QD#
M:G1$?3\S=(3J"9:YGLXC];T.+$,?RZ`6A-2NJ=77P;:MZ<@Z>&1#1]3K^5@/
M?7TA4F_IXQ'Z"`/Y)W2FFPF-:WVKP5^OJ0^N@V>ZIB/KX!'ZDFND/MR)+:#O
MLD;J^YUXA#[/&JDOK8:.4*N#9>@SK)'Z7">6H:^Q1NK#JJ$C--["9>@R%[J6
M-:N(?I\"E5H:4*%>;NFB&++?3&BNZ0=BO3ZF;T/3&89F%'WIF5H;.D+?;2:/
MA8Y<+Z)-Z,PW-&1#?76]BJY#[5VOHG6(;U91'.+)*J)?'\%^2FE1"/532AN.
MD'VQBNBG1E"GI.7@H',Q=!_]R.;/F^^[ZN;I^]WC\]G][AOM1B\/O\[RI'^F
M4__/R_XG[5+IIS;W+_3SFH=__J"?4]W1C_Q=JL>[ONWW+_P_5/'%\`.M7_XM
M`````/__`P!02P,$%``&``@````A`.1V3WR(!```>0\``!D```!X;"]W;W)K
M<VAE971S+W-H965T-#DN>&ULK%?1CJ,V%'VOU']`O`]@("1!258A@7:E5JJJ
MW?:9$"=!`SC"S&3F[WMM8V-#9CO3SDM(3HX/]_A>7]NK+R]U93WCEI:D6=O(
M\6P+-P4YELUY;7__ECTL;(MV>7/,*]+@M?V*J?UE\_-/JQMI'^D%X\X"A8:N
M[4O776/7I<4%USEUR!4W\,^)M'7>P<_V[-)KB_,C'U17KN]YD5OG96,+A;A]
MCP8YG<H"[TGQ5..F$R(MKO(.XJ>7\DJE6EV\1Z[.V\>GZT-!ZBM(',JJ[%ZY
MJ&W51?SUW)`V/U3@^P6%>2&U^8^)?%T6+:'DU#D@YXI`IYZ7[M(%I<WJ6((#
M-NU6BT]K>XOB#`6VNUGQ"?JKQ#>J?;?HA=Q^:<OC;V6#8;8A3RP#!T(>&?7K
MD4$PV)V,SG@&_FBM(S[E3U7W)[G]BLOSI8-TS\`1,Q8?7_>8%C"C(./X,Z94
MD`H"@$^K+EEIP(SD+_QY*X_=96T'D3.;>P$"NG7`M,M*)FE;Q1/M2/VW(*%>
M2HCXO0@\>Q'D.2CTH@]H!+T&/'L-WPG]V7SQD4#"7@2>_]U-U(O`4[H)''\Q
M0[-W^''%_/)T[?,NWZQ:<K-@#<`,TFO.5A2*05GF2<RJRMQ;B8.,,9$M4UG;
ML'@A)Q2J[7F#$`I6[C.42-&3DCLDD[&3#%8/3'<_!M(QD&F`"Y:4+\CY)_AB
M*LR7#"B1P&#4'WF0##ED/P;2,9!I@.$!:NX3/#`56#Y:;A9H9@:="$XTUTB1
M2=DIBC(V0=()DNF(X0V6PB=X8RIK.QH57FB&GO2L'[E3%.5N@J03)-,1PQWT
M*-W=_:XG%P\C<Q/RW8E`1'_F"V'7(Z&JQ/V$DTXXF<XQXH.5KL<G5KTS!WYW
M*8O'A(C>>B?N`%:W6/-,PPQ;("B"I^H#"]\SL[$;6-+O?@JE$IHKQYF$8,EK
M\DC)&PXAV?_;(=,P'0H$1;!BM1!&C6XG67Q_%8U,0N;`4:&FDJ69EI`Y<&@Z
MAFEV>M*:^9WTP<XG\\?(ICN!H"CD'3STYM&X"4B&YDQ"<M#26ZB,<.^I9`R#
M,@FQ:)XWGN,-#<DPM/R((48V#0ED,+3TEF9L.\D88MM+J#>$HF`T*)6,85`V
M0'IAO.$*P7%*SY.V_'Z<,C[0M-A#RB-\&2\X11GBW2NL=^E#MLVI215E&)9I
MF.YS*!,C>XAMSEH]OM^GV-6AK\L6D7`M.*3(XH2`1W6V4Y0AX+V&Z0%/O(H7
M0J[5&[,WA@YO-;VR37SD-0IX2_V7G+*!HYP*"/DJF!U\9RQXL`7S,#0]T5Z&
MOW670]V:H;)->11JL&#G\#>.Y[)CP(8T"55`1J@*XJ$.K:H/5?VMA1H,-2M"
M%1<+<5*M<7O&.UQ5U"K($[LT+&`6%"HN-$D4PS8"Y3+"TRB&MCK%X0*TY?,[
MXB?L8G2'G_@QG-.F.DD0PR%GBF_#>"LV\/$+PAC.#3#`57_`Q>>:G_'O>7LN
M&VI5^`0>/5X[K;@ZB1\=N?(#^X%T<.7A7R]PQ<5P4O8<R-Z)D$[^8"]0E^;-
M/P```/__`P!02P,$%``&``@````A`-1:FDV#!`````\``!D```!X;"]W;W)K
M<VAE971S+W-H965T-#@N>&ULK%?+CJ,X%-V/-/^`V#=@PBLH22LO9EKJD4:C
MZ9XU(4Z""G"$2:7J[^?Z!<:D2UE4+8IPN#[XW./K:Q9?W^K*>L4M+4FSM)'C
MV19N"G(LF_/2_O%O]B6Q+=KES3&O2(.7]CNF]M?5[[\M[J1]H1>,.PL8&KJT
M+UUW35V7%A=<Y]0A5]S`DQ-IZ[R#V_;LTFN+\R,?5%>N[WF16^=E8PN&M'V&
M@YQ.98%WI+C5N.D$28NKO(/YTTMYI8JM+IZAJ_/VY7;]4I#Z"A2'LBJ[=TYJ
M6W61?CLWI,T/%>A^0T%>*&Y^,Z&ORZ(EE)PZ!^A<,=&IYKD[=X%IM3B6H("E
MW6KQ:6FO49JAF>VN%CQ!/TM\I]IOBU[(_8^V/'XO&PS9!I^8`P="7ECHMR.#
M8+`[&9UQ!_YNK2,^Y;>J^X?<_\3E^=*!W2$H8L+2X_L.TP(R"C2.'S*F@E0P
M`?AOU25;&I"1_(U?[^6QNRSM6>2$L3=#$&X=,.VRDE':5G&C':G_$T%(4@D2
M7Y+`59*@R$G",(B2^'F60++`54W%"?PP3OA4/G@]O()K@*L<.'=0X$5,P0?#
M(CD,KFK6L>,G(0I_,=(5N>-6[/(N7RU:<K=@?4-VZ#5GU8)28%,>B'?WKOS*
M%'"#D:P9R]*&PH1\4UA)KRL$?POW%>PO9-#F0=`X8JLBF->,=V<">Q/(-,`%
M2;TN\/,3=#$6IDM-:*.`0:AO:%`1:LC.!/8FD&G`2,/L4S0P%B@-S9O$,ZT1
M,5&L!46&KCZD%S9!]A,DTY&1-JB43_"'L2SMR%AXAB4;&?61NCZD5S=!]A,D
MTY&1.JA>7=WC'4T5#POF(M2[-P(1>R\OA*U$@GXE[@02#&MS/T$R'1G-#RI=
MGY^H>H=M>-VE+%XV1.R;#^8]@^H6-<\XQM,6"`J@)OM](`QB8R&IJ$&*0(*Y
M-BSQ@O&P?1^DLI3IR$@=&*VK>Z`"ME<E@P6/90B$=:)>A1_.Q]/9RB#-$('$
ML":&8;$A?M\']2IT9*2"'7.TG?EC%2QXK$(@/N*[L>\A(Y];^=P?;)`(I'40
M$!FUM!=!`<O?ZRI&QN-,<O!V/5(#YCZOA@6/U0@D\)6:T+!#/$?QH$8B6GU(
M9,XYHL2<NGCLBS.+WDH0G&R>GSN/'D]>0H,7YMZJ`C0S%!3UBO82DKF'1C_.
M0::&3)./6)=\>BWQ:$.!:+-#_HUUO95C=`,4I#F@(&%!:)X0,OG\D0>L1SZO
M0'14Z`NJS#9(0(,'R3A[6Q6@>R#'Z!X(2'HPBPPG,\7RP`/6"I]7(!NGKD!`
MX,%0GXEG+((M-`U6.R,C)#1P[654'/-:0/.9<2!@YWY&HSLASO'B\%CC]HRW
MN*JH59`;.Z,S2WM4?#_LPA0Z$#A@XE$*>_<#/$XS7L!&/'R'K+DK!KYAWR</
M>#9^"D>J*?]FEL)Y9(JO@W0M>JWY@B"%%@\#W/X!?']<\S/^*V_/94.M"I]`
MN\<[9RN^8,1-1Z[\;'T@'7QY\)\7^-+$<*CU'.@L)T(Z=<->T'^[KOX'``#_
M_P,`4$L#!!0`!@`(````(0#\(@UOB`@``/HB```9````>&PO=V]R:W-H965T
M<R]S:&5E=#0S+GAM;*Q:VV[;1A!]+]!_$/0>2:1(219L!Q;O0@L41=H^TQ)M
M$9%$@:3CY.\[RYGAWEA?ZO@AC`YG#W?.SL[,BKK^_/UT''TKZJ:LSC=C9S(;
MCXKSKMJ7Y\>;\5]?XD^K\:AI\_,^/U;GXF;\HVC&GV]__>7ZN:J_-H>B:$?`
M<&YNQH>VO:RGTV9W*$YY,ZDNQ1GN/%3U*6_A8_TX;2YUD>^[0:?CU)W-%M-3
M7I['R+"NW\)1/3R4NR*L=D^GXMPB25T<\Q;FWQS*2\-LI]U;Z$YY_?7I\FE7
MG2Y`<5\>R_9'1SH>G7;K[/%<U?G]$?S^[GCYCKF[#Q;]J=S555,]M!.@F^)$
M;9^OIE=38+J]WI?@@9!]5!</-^,[9[UU_?'T]KH3Z.^R>&Z4_X^:0_6<U.7^
MM_)<@-JP3F(%[JOJJS#-]@*"P5-K=-RMP!_U:%\\Y$_']L_J.2W*QT,+R^V#
M1\*Q]?Y'6#0[4!1H)CB-776$"<"_HU,I0@,4R;]WU^=RWQYNQO/%Q%_.Y@Z8
MC^Z+IHU+03D>[9Z:MCK]@T:.F%1/XA()7(G$G;V;Q",2N!*)XTP<;[80$WGA
MX7"W\P"N-`YB^P7[!=G#E>SG<JXOC`/6[CEP92??+-`5C84KC5U,/-=?KMZ@
M\A17K`N`,&_SV^NZ>A[!KH(U:2ZYV*/.VH'`$4OO]5KUP?!?L0#K)UCN!,W-
M&+R"X0T$\+=;9[9:74^_0=3MR&@S8*1;!&PAXD+PAB80F4!L`HD)I":0F<!6
M`::@2R\.A*(ECM@7N,!O%D?0"''8JPT#4BW7$((M>$AH`I$)Q":0F$!J`ID)
M;!5`$V(^(,0"HF4X07!0B%&0"I2@\)>>[N@&;19+Q6BAFP2]22^&A406$EM(
M8B&IA606LE4131-(,3\C.`3-S7AA;)TK78,-6;TD4V_2RV0AD87$%I)82&HA
MF85L5423";:+)M/+(2.L.S78B0TBGMP]@86$%A(AXGC]GHLMF\1"4A71G(`T
MKSF!!7*RA`'MH=Q]W518W@:<FT,VQ!PI2'3?$(&,PMX&A,AYAXAXD/3[U#J?
MS?7PB'HC)HHM)+&0U$(R"]FJB"8)A.+')1$DNB2(.!ZDY-Y?*'&ZOP%;]<*%
MB/B0DY1AQBZ*>J->)@M)+.JTMU&H5S-]1EEOQ-1;%=&4@ZVN*3<0--"M<-0(
M:UTB1$0=ZEUU?</5@(R40$+$5X5UETO=C:@W8C=B"TDL)+60S$*V*J+)`9']
M#CF$M2X'(AZ4KEX.?^7H?@5HY"QEP!`B\TI$B+?L^A=WXL^T/R?Z9&R[&$>X
M77/=[?'$>DZ*B*].SUT8Y3XC(Y$KOMUZCN_[^ORWZI,T]43/]@[Y.G-=/X)<
M!]V>.<:S`S9PI7@,+7HH(LCS.AKHW`T?8QXCLUW"D&1.&9+,&4/([,&B&.*P
M0<>LJR,Z.[6]?7FO.=@(0C'F\-\0!.$EEL:=.69W0@9J:#$D:2*FP=B:3<P`
MC<E`C26FD4&;,B29,X)\C!T'3LZ6/.@54NORB'[O'?)@>ZC)@Y`,'B.A!`X9
MR"4.&9)+'!%$P0/?-!@T,8]1@\=B3ME*,F<,8?`L!]0AFH'@$:V?JL[_JOH.
M-9!RR38$N2N.*;.\L<%5'X<A02N9T"."'.B-N@/7Q+-4PV?/I?B)39T2-)=I
M+"-HR3G!CBF568\IT0E^7#7J)U75$/+AHB1Z(\L$T/*)`N'+0`D)6DG_(H;0
M/]B.1OF,F48^/V%(,J<,J?%&SZ<B(FJ(F:W(HJ/6I1/]Y\>EPRY6VZ4$:=W1
MRJAF@>@H1&W%KV7P^(W02@901%8.=*1=L0+MM+^572:96,9NPI!\5LH0[,=^
M?>U*R5:8[A8+NU2R1?<T75_1S+ZD[Y?JTGTC\DJ5P)Y8$Q@AV#9<.`*'(.ET
MR!#T8&P6#6#Q`)8P)NE2@I2C469#6PW2Y1`=ZDMRO.E4`X7/[,@(@H5@-P.&
MY/1#@O23C=E\1-**N6(;2FPHM:',AK8:I*LC&M:/JX-MKQ8K"+UVQ''8K!<Q
M).B50XZTDHHA%PQD*+'I4SE0;D#?.NA(*^;::I`NHNA;51%?V5G8YFIJ(20V
MM<P*UFG'(2LUO!!ZY;Q#`Y4=&=M08D.I#64VM-4@31GHQMZC3&>N]^T$O7+P
M(2N(<UZND"%9VR*&,*>+;_GUHA63@;CTR^"9L9$PC7Q8RA!$8#_0SNIDM<2J
MZ?B+A5DUR0(NX(>NY/MZ?&A5S7Q%D&QB#>\#-I!E,&1(EOZ((/CV7!3&@1,0
MCY%Y,6%(,J<,2>:,(91GX`3$!AVSKHYH;]^^`UWLAM4=2-!_GX#(0`LQI('$
MP%$7L16'F/E-<$P&N,)XFN8Q:CQ9S!E94?`,=%P:LZ[.3VGQ7;O%)PB:53HV
M&JUYP`8R%D*"U#Z5(`<R-\;4E='OQLPCE4X8DM0I0VI,X:1]:N/L/I7'V'VJ
M*SI8-:;^U\&H8S%2&K;&<#"2R<)?&2X'--!53D<$J:<CAG@W+HUV-R8#]7!D
M,Z=L)4MGQA"NK3,?D`[]0&H]X$1#_7'IJ%.7B[X1[S>A>9^K==*W6GRVDG$0
M$K224,00?UEAG2N9!DILG]0'J@%-23*G--!3R\A`-<"!\!UPMWE6`]6`J+L0
M0('QY3:^VSP5]6,1%,=C,]I53^+%-62BV^L>[M^JWW5YU\`W\+:]Z]!-W(6W
M\"*AF?A\#6^);/S.6]^!P_:-C;>&]R4V#@>$M6C^[3O0Z\.<ANY`&PUWN@1I
M3`O:16#K0L2X`YT>C!FZ$SI7<*=3U1BS\=?PFL6>6>ROX;6)C8<PX<'Y+M?Q
MT&Q3<&,(#V&JF('Z"<$O#R[Y8_%[7C^6YV9T+!Y@@6?=RY@:?[N`'UHZS=U7
M+?SFH#O8'>`W)@6\5X;B/!X]5%7+'\"!:?^KE=M_`0``__\#`%!+`P04``8`
M"````"$`B';GU_H2```O7@``&0```'AL+W=O<FMS:&5E=',O<VAE970T-BYX
M;6RLG%M3&[D2Q]]/U?D.%.\!CSV^X`HY%6S/S1=NYOI&P`FN!9S"3K+[[4_+
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M'CAZWKJ;?+_Y];`XF?W))M,?]POJ[CJUR#2L??=/=S*_)8^2S$ZU;I1N9P]T
M`O3_K<>I"0WRR,W?^]M5JGAZM[C?WZXU=NK-2BTB\ZUOD_DBF1K)[:W;7_/%
M[/'"&D5.RHK$3H3^=2(D]\JR5,OR!.A?5[:Q$U?KS=9;3H"B>2E"_SJ1:*=5
MK\>-5O/UK=AS(O2O$VF^V1,1=>#R3,R/-_LB(K?9TM(=[VA(5&,9^N%.(GZ[
M/R+N5O/C[6UI\DG0C_(DWMRS$7>M^>%DJ%6O#*XJ=X?YX4J_PZ'5\BJA'V5;
MWAQ@5>Y>\\/)T*_7MH6O%'-AEB?Q9H=6&ZY?S`\GL]&ANW;46`Y"W9O%S9?/
MS[,_6S2RDS_F/V_,/!&UC2`//W:P*`>D=>,1#41&Y:N1V=^F'J:A9DZ#Z.\O
M466O_GGW-XU\M\[H8(51:-%A"S/,&=VN!CT-$@U2#3(-<@T*#?H:##08:C#2
MX%"#(PV.-3C1X%2#L09G&IQK<*'!I097&EQ[8)?BI`P6BO6/"!8C8X*%>_F`
M@41/504&6W"1K@8]#1(-4@TR#7(-"@WZ&@PT&&HPTN!0@R,-CC4XT>!4@[$&
M9QJ<:W"AP:4&5QI<>R`(#!I_/B(PC`SE+]XHTFCJ0<3:-&A.*H>:A@J6TJ2,
M%B`](`F0%$@&)`=2`.D#&0`9`AD!.01R!.08R`F04R!C(&=`SH%<`+D$<@7D
MVB=!$%&2\A%!9&3VMQMJ+E(Q<N"L7@JCTJ0,(R`](`F0%$@&)`=2`.D#&0`9
M`AD!.01R!.08R`F04R!C(&=`SH%<`+D$<@7DVB=!&%%R%831ZH44)R[&>ADM
MW,D'EL0R/76`=('T+*%$FW42L$F!9$!RT"G`I@]DX)/`&931!<ZPZ=V.650M
M[J>W?QW,[-IPA9-JE,;9Y,Z(A#ZRA):IW-J.(]+^KB4Q+<;*@3JNM<*ANE<:
ML5`")`62`<F!%$#Z0`9`AD!&/@E<2T/'OW>M$0E=:XG9`2C=5JWOA6[K."//
MVY;01H7)O:N5J!:6Z)7'2T<#24$U*VV<JDK+\O(XJQ9`^J`Z*&V<:A2>Z[`\
MSJHCGP2=0*-\T`DKXIA66QS(QCKTMB4;O.V,/&];4J<\63JIV0R;T2N-N!D)
MD!1(!B0'4@#I`QD`&0(9^21P*UVT;W"KL0[=:DE,Z6+IGT937?L=:Q0URT&D
M:TG=+U9MJ)CK.>VF7676U*61V,.T7<!>3Z&>S!%J?GEZ4$_NC/9L/7$E[-T"
MZNE#/8/7U#,,ZM%KYI%?3=!%9G\JZ*-W#>U+E;#O'*K3!%MZI]%4;NZPE4P!
M74:-TO4]1K:SJE%=>3%A`YEM4T:BG#$2Y9R1[9YJ5%&#2,$&HMQG),H#1J(\
M9.24FW45MR,V6"J'?6(6SKB;\L;I-K++;\I@.80/&%&?2Y^TE#,[;&7W=NW^
MB=-Z^9+B@F;*I]FCVE*]G;"!#($I(ZDL8Q3,7?KZS9U55*FZVF+H.G?24EN?
MI:6V`:,7:QOJVEIU-3..6&=96]B=9KG[4G>.9S^7.V@OSSIF4]B.C])YM#NF
MIHL#-J.Y3OHX''0Z8L.AT4740Y0@2A%EB')$!:(^H@&B(:(1HD-$1XB.$9T@
M.D4T1G2&Z!S1!:)+1%>(K@,4!IA9"_L!MB&0W-+9'Q@LHAL&'!`=<_.`PLU;
MBG0=\M8T/40)HA2U,K3*$16(^J@U0*LAHA&B0]0Z0JMC1">(3E%KC%9GB,X1
M7:#6)5I=(;H.4!@C9J'KQ\C[YGFW7/9#QR)_$6?N$^G0L6C#,LX5)"L.PP11
MBBA#E",J$/41#1`-$8T0'2(Z0G2,Z`31*:(QHC-$YX@N$%TBND)T':`PFFBV
M_(!H,BHJ:[1HPTK*'-8!9M'ZE:LK8^_!+S<D$D0IH@Q1CJA`U'>(O,C1/!"K
MU2OAH1APF1&B0T1'B(X1G2`Z=<@[R[%8K5Y9GXD!G^4YH@M$EXBN$%T'*(P[
MLXWR[T<QNQD39,86F9K+K`GW2R)G)3W:=8C"2@HV6GJQ*5;LL`11BO*96/GR
M*O?,Q8KE"T1]E!^(E2^OSGXH5BP_0G2(\D=BY<NKLS\6*Y8_072*\F.Q\N75
MV9^)%<N?([I`^4NQ\N75V5^)%<M?!RB,7[,#Y<?OADS-;E@%@6K1ID!U5GZ@
M6A1L-L7-.%P9]&@;Q8RL9,6M21"EB#)$.:("41_1`-$0T0C1(:(C1,>(3A"=
M(AHC.D-TCN@"T26B*T37`0HCR6RZ^9%D\KEJPSS<M>:9+]Z]-`_0Z%G7(O-X
M2SGZ-5HJ-CJN(#VTPK'1941KA;(@;('UV"JV*_5ZK)03-I`=E9215)8QDDV6
MW*$HMAO6E9V:DBZXD$CW&8GT@!&-[^O;,60KMPT5ZYO*(S:0R@X9265'C*0=
MQP[%9H_Y]Q?=B!,NX<].L=ZW.64KJ6K,Z,5VG;&5;5<MVE-CW#D;2+LN&$EE
MEXRD75<.K6G7-9=8UZXPXLT>IA_Q&\9.N^49C)T6A?O)+?5D0">R5G3I29@[
M),N>GK.*K<\^U?2]E<09^#O(J)PQ$N5<*=,#>^$87:!RGV7DG`>,1'G(B%I3
M1GFCI6YICT1>K*HZV`Y92VH\8B0U'C,*:U1;5B>OJO&4M:3&,2.I\8Q16*-R
MX?FK:KQ@+:GQDI'4>,4HK%%M?5YOJC$(=?.48A#J[UJL+U7"Y95#X:;\GMX`
M9BNYW+N,Y-KN.=1T=S8J:N1-N(BX*F4DPADC$<Z5\(X2+KB("/<9B?"`D0@/
M':)-_N4PVU(;QB,N(L*'C$3XB)$('ROA:">J!/^IBDY80BHZ9205C1E)16=>
M17)Q-O:4_CF7#.Y,Z4OX@JVDRDM&4N75FBI5EGW-)==5&<:WV9GWA_+WQ;?;
MWQ<O'I@,QN0VP6I,3V<=MI(DM\OHY1L<;+7V!@<;2-Z=,I+*,D;B^-RAJ-Y8
MAB8E,I7Z7O"?F@180VKJ,Y*:!HS\"1;RLR%7OO96RHAUI+9#1E+;$2-IUS$C
MVZQ:14]F)VQ`^X/EG(2I#5M)96-&+S;MS%F5=XG@OLTYZTC3+AA);9>,I&E7
MC,JFJ7'JF@W6-2V\)#[F)I%YHMPF]^).NDFDYK\#-J/57NEUE0=TQ*;,@Q#U
M$"6(4D09HAQ1@:B/:(!HB&B$Z!#1$:)C1">(3A&-$9TA.D=T@>@2T16BZP"%
M`6;NY_AC[LOI<]7>_O'39X?H'@,'1(>17#Q=A_R;1(@21"EJ96B5(RH"%+;9
MW'7PV_R^><;>NPA<81'MPH@K'/)=85%PTZ/:5-=9KUI:L5:"*$64(<H1%0$*
MO4-#YP=XQZBH+-.B#7M49J>""GH;SUV'UF_BBX'XRLIX^_HI*F=2</7&>RX&
MK%P$*/2<V0?VXVK#M62WC8,`LFB3BYR5'U,6!=MX57AFS+R"0[[UM_$0I8@R
M1#FB(D"A9\S^X1L\8[<;`\]8%"[2]?-,G:JU\A?IC"0=[#'REV:PJY\X*\I@
MN>M3+B@KOXR1R.>,7I0O`OG066;;[0W.LKMT@;,LBOW]MUAO:%2M$4T-W+XN
M([\<Y(4]MK+[=K6XIA;N"1O(,)@RDLHR1A239;(!E>5L93=4XJK>FB[88%E9
MZ$?J@+?XT9BK$<NBV#_%QIX:J3M5:Q4$G4,2%3UGY7:&J@V5%B;N>!!N()QQ
M72*<,W)/E%75JJ\(A`,'U?1^PLOCU=(\=)!#0:`U]+-''6?E1QHC65'V&-FP
MBEHUM99,V,`+*T9>6#$2Y9R1C:&H454]6+`!QE!-+TDWN`C7GDN%_6T50RKS
M[C@K/X8825?W'*K;A684ZZ??$F?@!Q'+>&,6(U'.'6I:%U7W(G"1;9E5#J-(
M+U$VN*A<BO"P<U"S2$61VBKK.*L@BFQ!FG=8J\=6+HIJ%3TXL8$?14[&CR)0
MSKF@<U&KI;;#"S98$45O2[)KF&0[%$11LZ)WZ)Q5$$56B[;4Q446<10U8^7I
MQ,D$4>1D_"@"Y=P5=%$4-6IJSBD"Y3"*3+KK3WKORLEK-FGVYT*'HCJE!N4\
MTX#-36=6E[#H,O*CR^J[S<V:WD)*N(AX.V4DPADC$<X=XCW(6D,-$`6762J'
MGC.9[K_WG,V7`\^Y3+Q.B4+IN:9^%+I3LV8TS7"$=1VB8951SZ&FW6.-*C'<
M[>-"<A6F*)VQE4CGC/B2WZO"E6E/D2Y0.I_0>28C]IVW8?"R"73@)8O,KH[G
M)#5W=6K.2AK79211T'.([HN)%B:F7%`B*F4D\ADCD<]?)5]PP17#F,FNW^`L
MFXP'SK)(#6.JNSHU:Q4,8P[)A=5S5GRK+5)73.*.!Z,8"&=<EPCGC"C[\GI4
MY6N%R(N5?S\L##.3:[_!<S8U#SQG43!'-BMJ?.W4K%4P1SHD<=!S5K&]8#[5
M]=(@81D_PD`Y8RM1SEG9#^!F!7()I^5;K7>=28)]U[UO8K"I=.!1EUT'+ETQ
M,5BS8'BS*!C>'++#VZ=:!>949R!7:%H#Y<PA3SEG1+.M%XTJJRG8BM*6TFJM
M2^FQB`]PZ5(E7`XX%-6I9>5I-"OJRNPX,W^N922QU'/(S;6?6DTUIB9<1B[=
ME)$$;L9(E'.'S&3KGZ;JLH)+4K26C5GO4Y,?_^LPC6V6[8<I(__>55VM\3IL
M)+<FNHR"B-`+AAY;V17%7AV=[,Y(]II2+B.598R"*UI7ECLKONL2T0)&QS$+
M+:L+AE"S\_.B@U_WNLQ29AFUTJET)T3U_0&;T811]KT:QCIBPUE.%U$/48(H
M190ARA$5B/J(!HB&B$:(#A$=(3I&=(+H%-$8T1FB<T07B"X172&Z#E`88&8]
MXU_!+Z>"9MI0VT4.^7="&,GETW7(OQ."*$&4HE:&5CFB(D!AFS]DU46)!+C"
M(O].B+/R-_8="NZ$X%O\8L7768(H190ARA$5`0J]0\-9$!'O2CU,-J\#Q:(-
MV_RN8.`P6W#]G1!7QKOMD2!*43D3JS5W0L2`>Z$(4.BYMRVKS'I`N\BB32YR
M5O[E9=&&.R&N1O]."*(4488H1U0$*/2,68+XHXR)J5<]H$L+'7"2169,*V>I
M9J3RI(XKZ"^G'-KP+CQ;N>W&NK[=DC@#?XF%E66,@CP*DP/;%GH@S@0@;=*J
M)UN"ND*7FN7$^UQJ%R)!NF51N)S7W[OHT.!M^L)?9S&2/+/'R*VSHII^S3]A
M"\E74T:R4,@8B73N$%V!QEO-JEH(%EP$%_%FL"V]95XV?]^@9M<N@>?<<H9<
MXP6C6C9WEM63Y[S=(H>\14_/(;=;]&G%J_U<2-R4HG3&5MYN$:-@/16!_VQC
MS)9NV9BUN3^-MA_@TJ5*N)YRR&QPE6?1U%OS';:2\.@RHFNJ+`CWUGILU5H&
MT:>H!1<X6TAOI8RDMLPALUY:7UONK)IA?.@%`,N3_T7+>T;17OGV>[?V4Y./
MD^<?D\[DX6&^=3O[9;YE2UW\Y7.)W8=VXVK[*XG3Y*6.4*[?-FDA'NG&C;89
MRO$(?;;WZZH2!_0YW^6R2-=!5:RTK[7IBV4K]./V5_IR`!XXB.E<5_"O$36/
M!JT5)>B(>4D<CWRM4AE:<.&1;I4:;N^JJ(90]MHVN2F6H5R4G+7J2#>.Z<BJ
ML^[&=5);CE&J'LI'J,RJ(_3^%;5G5:=THR8=6=ZA4&KT]%';/%NTXJSIB'E2
M"(]TJW36])3,JB-TUO04"!ZAYTFHS*HC]&@=1<"J7J!7N.FL5YY!1)UMLS_=
MGHCJL;FU.D*ODK;-ZYQX;O3Z)JFM.D(O*[;->X=8AMXSI'I6':%7!-OF;3\L
M0V_WT1FL.D(OYK7-.W98IMMJT]>"5G#RC?EP`!ZA#P70F:TZ0J_]TYFM.D(O
M\=.9K3I"K^33F:TZ<E!O=U?Y+*FWZ?-J>%Y%O4V?2T/>)7>M;'FSG:R*V*S9
MIH]=H<Z@V:;/51'?+3N>/M?]\^;'9'CS_&/Z--]ZF'RG(;"R_"K,L_W@M_UC
MX3XG\FVVH`]U+[\L<D\?9I_0AW`K.S3#?)_-%OR'J:#\U/N7_PL```#__P,`
M4$L#!!0`!@`(````(0"76F)3#Q0``)!I```9````>&PO=V]R:W-H965T<R]S
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M]N7NUT?UOO_J#>_NX=[]C]`_/=R_;%^WW]X^*-V5/E#YGF^O;J^4Z?/'KP_J
M'32G_>)E\^W3Y2^]:3T<7EY]_K@[0?7#YL_7UN\7KS^V?ZY>'KY&#\\;=;;5
M.#4C\.MV^UL3ZG]MD&I\)5HO=R.0O5Q\W7R[^_WQ;;W]T]L\?/_QIH9[I-Y1
M\\:F7_^>;U[OU1E5F@_]46.ZWSZJ`U#_O7AZ:%)#G9&[OSY=]E7'#U_??GRZ
M'(P_C";7@YX*O_AU\_JV?&B4EQ?WO[^^;9_^3P?UC$I+AD:B?AJ)TIW85O6R
M.P#UT[2=?!CV1Y.;<PY`9?-.HGZ>?0"WIJWZ^=\?0$^]X=T1-+^<?0B]`5JK
M7_[!08RA4;^<?Q`3M%:__/<'T5<IK#.JR66=+:=G0W^?C^J7LP_B2B?W;J[,
M[][N/G]\V?YYH0J0DKW^O&O*66_:5T>#6:)S>C]O#DT;-5\:RR^-YM.E2C(U
M(U[57/_C<^_Z=O#QZ@\U0>]-T)=W@NR(&2*:V=AXYRY8N&#I@I4+/!?X+@A<
M$+H@<D'L@L0%J0LR%^0N6+N@<$'I@LH%=0M<J3'>#[0:V_^/@6XTS4!CA+X`
M<.3[SJ`B`DWF+EBX8.F"E0L\%_@N"%P0NB!R0>R"Q`6I"S(7Y"Y8NZ!P0>F"
MR@5U"UB#JHJB&-2!JB[O7^,P69M6ZFK6FJSCX;4]:%]TS%@5O/V,'MLALWW(
M?F`%60BR%&0EB">(+T@@2"A()$@L2")(*D@F2"[(6I!"D%*02I"Z3:RQ5DL(
M,=;->N;,2MUH/EV.G5(]M,?VBXGJ&OY]R'[X!5D(LA1D)8@GB"](($@H2"1(
M+$@B2"I()D@NR%J00I!2D$J0NDVLX5<C;0U_]Q1OHG>CC,'YHHE:3X',#-DM
MP?755I,AJ_M"D*4@*^'Q1(PO2"!(*#R1B(D%201)A2<3,;D@:T$*X2E%3"5(
MW2;6`*J5IS6`>J7U8:(:O/UXN/_MRU;?3;PSL`.UHM+KK$9BCZLFJA#LQ]60
MUKAJ,E3K>!;SH3/E%_L@B):"K`3Q!/$%"00)!8D$B05)!$D%R03)!5D+4@A2
M"E()4K>)-=2J;/[SH6XD]E!KTM3\_3#V1[=VY9Z9H-;H:S)2RX)]L_%P9#=;
M[(/VHR_(2JB]?4Q;[:P3_'T0U($@H5!'^YBV>F(?=;P/@CH1)!7J;!_35M_8
MZGP?!/5:D$*HRWU,6^T,4;4/@KIN$RN3U&7:RJ1WBH/:C4!U:*+ME-'D2,J8
MH%;*:#)2]Q+[E.E/G)._V`?A;2P%60GB">(+$@@2"A()$@N2")(*D@F2"[(6
MI!"D%*02I&X3:YA593YCF)MH>Y@U&:K;A/UXC4?.DGZF@WJ3_95B;DCK>F^(
M^K$7B1*SU$%J.P,#OS+-J/8,H=HW1/TXK`YT4$L=FF941X90'1NB?AQ6)SJH
MI4Y-,ZHS0ZC.#5$_#JO7.JBE+DPSJDM#J*X,43\.JVL=I-56RO14/3\C9W;A
M=M(8U&PL[0]@/.K9=7"&J/Y^M.=`ZE9EW[`_=F[[%X@:[K:#!FKSV[DP+!'!
MM<L*B+UY0)V]^8@ZV%N`"/86`K&W"*BSMQA1!WM+$,'>4B#VE@%U]I:;*+59
MWCK?`^>JLH:+/19`[+$$ZNRQ.JG'&JY=CW9R-KM0[6W%[NM63V]:J9M25)0O
M!CDES<FQF8EJUS0@NA8&C9IEM-J8'/9N)\[5?FE"6E-X!1'GL`=$MW_<'4AW
M"!'=$1#=L4%#M3K@/'/'/9'Z%"[J,R#J<X,Z3LM:N@N(Z"Z!Z*X,ZC[TVM+;
M"=3L>)V10'J#S$H@C9SJYFQ)SYH/)=2U5.U\(_/F0.,]6@#IZ=Z[Z=TX:Z$E
M(CCY5D!4>T!4^T!&/9G<.*D9((+J$(CJ"(CJV*#NLI&@(?4I$/49$/4YD#GR
MX4W?F9UK1%!=`%%=`E%=`6EU_]:]<M0(V)GMQ%&%[9S$:<*=RZ)&3N5Q[I9G
MS0=3JJ%5>0SB-%B8*#/%QC?7SBE:F@"K[@BSA\YH]H^9`VD.H>'4C8!HCH^9
M$VE.H:$Y`Z(Y-ZB[**REOH"+^A*(^NHD?6WI[=1I]M[.J#EFJXY'\*6GD55S
MALZ0SQ#$*3`'XA18`.DI,!C*S#%]<7*MT(9F#XAF'PCFD5,3`P30'`+1'`'1
M'`,=,B<(H#D%HCD#HCDWJ+N4K=&0^@*(^A*(^NHD?8V&.[V=.<VF7SMSFKV]
M_KAYKN#(1S'-G;E;?S1RZH^S7S,S#:WZHQOVF)`+$V7JSV0RZ+OIN#0A5@4R
M(DXW#]W1[;ONWG#LW'$&TAU"1'<$1'=L4'>E2*0^A8OZ#(CZ_"3]6NH+N*@O
M@:BO#-J?=7EF:LMMYU*SJ]C.I2-+9[T)::U\-+*KD+.JF/5,$"?&'(@38P&$
M"_&UHUDB@%-N!42S!T2S#W3('""`YA"(Y@B(YACHD#E!`,TI$,T9$,VY0<>J
MD#FSU!=P45\"45^=I*_1<*>W,Z?913PC<_2FHY4Y&EFE1VPCJ9(C5CX&<0XL
M3)29`X/Q>.S<KRY-A%5XA-I#;U3[1]6!5(?P<.9&0%3'1]6)5*?P4)T!49T;
MU%W2UE)?P$5]"41]=9*^MO1V\C1[DV<DC][*M))'(ZOLC$?.GL],79V:[+%N
MN`SB5%B8J*&Z$/'.U_VH8PD79]H*B#/-`Z+>/TD?H"'U(1#U$1#U\4GZ!`VI
M3X&HSX"HST_2K]&0^@*(^A*(^NHD?8V&.[V=2<V6Y1F9I'<XK4S2R"I#XY%S
MRSWKZ2B5TKQUUVBD;NJ9-G)CTD3I[:#1<#RX<>[NEL9MU2;1G6>BNKOS$76X
MNT!V%QK4>G<11)WO+D;4X>X2V5TJN\L@ZNPN-U''RIH^>:WS6<@>RY-ZK$[J
ML391ND<K/Q4Z)S]WX?8.@4%.I7.61C-$<;;-@3C;%D#FGNGZIC=P1$N$<":O
M@.CV@.CV@8R[-^A/G)O1`"%TAT!T1T!TQP9UKX42-*0^!:(^`Z(^/TF_1D/J
M"R#J2R#J*Z##9Z9&R,YM)]!YF]M-FCBW>`;9!<[]X,4$M2K`'(C7_85!9ITU
M[(U&SIWBTD2H]X,ZN8*'I=,#HMH_J@ZD.H2'Z@B(ZOBH.I'J%!ZJ,R"J<X..
M%"2I+^"BO@2BOCI)7UMZ.WF:#>?3KXYJG2221Z.FB_U%;NRNC6:F87N=!<1Y
ML``R\^#F^D9DC^F-4VR%1IQB'A#5/I!6#Z]'MTY="Q!!=0A$=01$=6S0L=HC
MCCR%B_H,B/K\)/T:#7GT!1#U)1#U%=#!$U,CXIW2T^P-GY$]>BNYO;;J:V27
M'G?C9F:BK-ICMJ4Y%Q8FRM2>WD0LHTR`57J,AK/,0V<T^\?,@32'T-`<`=$<
M'S,GTIQ"0W,&1'-NT+'"H]]_ZY04<%%?`E%?G:2O3936VX7GO-WMOMS=-DAM
MH.-",@-J/3ID4/LA4HF6$JVDRY-1OD2!1*%T13(JEBB1*)6N3$;E$JTE*J2K
ME%&51+6%['%M-FO;)>&_>JZTV:EV%REF%Y@%;F:BU$8X,F!ND/ULZ=A9RRP8
MA89+B582>1+Y$@42A1)%$L42)1*E$F42Y1*M)2HD*B6J)*HM9&=`L^'XSS-`
M;UM:UPJ-FKWJ_4I#/`TVZYNH=E)H=.214]-013$I]@V!5E+OL2&/:SQT=II\
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MMH5-2+O&0<1I[`'1[1]W!](=0D1W!$1W#*1F(.>9.^Z)U*=H2'T&1'UN4,=I
M64MW`1'=)1#=%5#GH=>6WDZ@\[:%!W);V""GNCF/9\T0Q1DR!^(NTP+()-!@
MTG<\2T1P\JV`J/:`J/:!C'K8=Q_/#!!!=0A$=01$=6Q0=]E(T)#Z%(CZ#(CZ
M',@<N?I`Q+ETK!%!=0%$=0E$=06DU?U;]Q_8U0C8F>W$:38J3U]@#?2^9GN!
M99!3>9P/-6<FRJH\VJ4^S,7">6&BS!0;#ZX=S=($6'7':#C!/'1&LW_,'$AS
M"`W-$1#-\3%S(LTI-#1G0#3G0)U%82WU!1I27P)17P%UZFM+;Z=.LYMX1NKH
MS4<K=<Q^9/O3!/<9P=G`!'$*S($X!19`9G9=CR;.+?D2$9Q=*R"J/2"J?2"H
M)^ZSY@$BJ`Z!J(Z`J(Z!#JH31%"=`E&=`5&=&]1=S=9H2'T!1'T)1'UUDKY&
MPYW>3AYW1_CDIU8'<G/8(*<$.9\FS4R458*TRRI!&ID2-%$?2MV*(J1#K")D
M1)QQ'KKCC/,-@KLWGKB/*`4FI.4.(:([`J([!NJ<S8G4IVA(?09$?0[4J5]+
M?8&&U)=`U%<&=9R9VG+;N=1L%I]1B/3>LE6(-+(6/T-G5VPV,$&<&',@3HP%
M$*[%[L=;2P1PRJV`:/:`:/:!#ID#!-`<`M$<`=$<`QTR)PB@.06B.0.B.3?H
M6!4R9Y;Z`B[J2R#JJY/T-1KN]';FJ-NZ<S*G"7?NNS2R2H_871KH(*OR&,0Y
ML#!19@X,QOV>*#RZ4:LXK*3:`Z+:/ZH.3$1+'<+#F1L!41T?52=2G<)#=09$
M=0YTI.:(DU*@(?4E$/454*>^-E'ZQ-C)TVP/GU%V]&ZR578TLLK.V-T8F@U,
M%*?"'(A386&0FFF[?V<Z%KEC+)QC*U@H]H`H]H^(`S2A.`2B.`*B.*:X\W9=
M''<*%_49$/4Y]>^>D#6:\+@+((I+((HKBCN.NT;#=XI.L[%\1M[H?6@K;S2R
MBHY\VGE@-K`Y"^9`G`4+(&L6N$_T+$U4JSRLT)!Z#XAZ'ZA3'TA]B(;41T#4
MQT"=^D3J4S2D/@.B/@?JU*^EOD!#ZDL@ZBN@3GUMZ>T*I!J>DTE-N'/YTLBN
M0.)IYX&)XKR8`ZGBR[TVMW0M$*47%B/U1XC%/R5$"*?A"HC=>4"=W?F(.MQ=
M@!!V%P*QNPBHL[L848>[2Q#"[E(@=I<!=7:7FZAC:RDS5NRQ@)X]ED"=/58G
M]5C#M>O1RL_A>=O:NW`[/PUR*IV[,C=1[?45$&?;PB"LKWHC]2\2[;\WLC0A
M[3('$6>R!T2W[[C[ZN_/.I_>!-(=0D1W!$1W#*0&EE--;&M+?8J&U&=`U.=`
MG?JUU!=H2'T)1'UE$,[Z.V>FMMQV`IVWK3V4V]H&V07.V7B=(8@39`[$Z_X"
M2$_WWF@L;NT0P;FW`J+:`Z+:!SJH#A!!=0A$=01$=0QT4)T@@NH4B.H,B.K<
MH",%"0VI+X"H+X&HKT[2UVBXT]O)<][6=E-CG*NC04[U<1YGF9DHJ_K(K6T3
M9>9!?RR?=C815O&1>]OHC5/,M]5JT]S=0PVD.H2'LS<"HCH&ZBP.B=2G:$A]
M!D1]#M2I7TM]@8;4ET#45P:A]L@34UMJ.WO.V]T>RMUM@^S2X]:,&:(X%^9`
MG`L+(#V+^]<W[@=J".`L6P'1[`'1[`,=,@<(H#D$HCD"HCD&.F1.$$!S"D1S
M!D1S;M"QPF,^.*"^@(OZ$HCZZB1]C88[O9TZS6;PZ3=XS3\E<`N/1DUV[B_Y
MX[$SYC/3T"H\9A^:DV"!J-L#&P/F=:OL&`MGEP<+Q3[0`7$@Q2&:4!P!41P#
M=5:%1.I3-*0^`Z(^!SIPW&LI+M"$XA*(X@JH\[B;KQUIAEN?;YTW^FM$]%<C
M/&U>OF]FF\?'UXO[[>_-5X2H3_T_?]SC_?>7_+)+8H=_4=]KLGL0T>7]J?H[
M[NIS5I</INJ/?DO^RW#ZBSI0^<*7H?KBE'?XO#^>+M53G+*%>F)VVCS\*E]1
M#[M.F^=6Y2OJ.=5I\\BI?$4]8JK>R7NOS/L3]<INA)PW.>\/U;&]=]3J(7]U
M;.^]HA[95\?VWBOJ`7QU;.^]HAZG5T?PWBOJ277URJY2N,<VF2[?.V9O,E5_
MJ5:^_V@R57]F5O)L,EV_QTMU4M[C\YMIO4M=]WA&4_57MJ7?&TW57\V6/!I-
MU5_!ECP;3=?O\5*=B/?X7`WK;E2O]@>DO@_GY]WW37SW\OWA^?7B<?--38;K
MW=^L?M'?J*/_YVW[<_=5(K]NW]0WX>Q^_:&^^6BCOL+C^H/Z9.';=ON&_U$'
M>K7_+J7/_Q$```#__P,`4$L#!!0`!@`(````(0#"-&#_U1\``':B```9````
M>&PO=V]R:W-H965T<R]S:&5E=#0W+GAM;*R=6W,;N8Z`W[=J_X/+[XG=W9):
M4B4Y9?6]=:FMK;.[SQY'25P31RG;<_OW"S:!!@&TU%*2\W"<^0B"(@B2`/OV
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MT^M;4'?C?ZCM\^)F<0.:/KS[^`@]<&:_>MY_>G]]%RUW432_OOGPKK/0_S[N
M_WH)_GWU\N7P5_7\^''S^&T/YH:!<D/PV^'PNQ-M/CH$E6],[;(;@O]ZOOJX
M_W3_Q]?7_S[\5>\?/W]YA?&>0I=<SY8?_\GW+P]@4E#S-IXZ30^'K_`#X/^O
MGAZ=;X!)[O]^?QU#PX\?7[^\OTYF;Z?I;1*!^-5O^Y?7\M&IO+YZ^./E]?#T
M?UXH0E5>R025P%]2PCI.U(,6NL;A+]:+X'><J###"O"7*LS>IM'M(DE!QXF*
MX.]=2_"7*KZ=3Z>3V=Q5/+.;"U0"?U')E!L_4T<$(]S]$O</U)*<_0N<>7QM
M'J_H\HY$T*)7`__HNS*)I^G\DF&/:-S=/\[MRXUWP,Z?\_O7^P_OG@]_7<$J
M`2[V\OW>K3G1TBDD3_:CVOOV,=<&GW9:[IR:]]<PSN"U+S`A__P01;>W[V[^
MA$GT@$*K`2$ID9&$FS%.;ZY!H4&I0:5!K4&C0:O!6H.-!EL-=@&X`=OV!@:7
M^14&=FJ<@<DR*P)L\5@9DR2H2JY!H4&I0:5!K4&C0:O!6H.-!EL-=@$0QH2)
M\RN,Z=3`DAMX:QI'TGHK+S-+`Z&9%,EZD=["AA2&E(94AM2&-(:TAJP-V1BR
M-607$F%L6`U^A;&=FO?7,[4V:'.CU"ES]R*]N0TI#"D-J0RI#6D,:0U9&[(Q
M9&O(+B3"W+`C"G,/QQ*TX#KISJIDC)4G$UXB,D-R0PI/8.4G/:61J0RI0R(Z
M`2&"Z(3?3MZZ[?[UR^/#[ZN##VL&.I?`MN$W$Z=$]LT3B+#H5V9(^'?GGDP@
M3.CWH$DREU.VZ(5(46E(94AM2&-(&Q)A$G#IGS>)4R)-XHD+.OONQM.%[&Z&
M0H&5/)G>=GMT?!LELD;1E_<&,J0R6NM>QNW\H%5M14U?3EK;D`ASP3HAS#7@
M*1`CDZLX:6D73T;L@D*!73R9PB[.YDQ399Q>B+I1&E(94AO2&-*&1)@#W/D"
M<SAI:0Y/)K"A]OU*8[V1>:$H[:=7CH07DP()_.D5&7\KO5#<)4_=7*ZP&JNN
MD;#J!@G\.:ZZ]4)>M;"0"^DO,%$G+FV$*`X'/XW5X&<D%;.5",$6RK]\IIR_
M(*F)GW.+^60B_:HD"5[?*D+<6DT(5IKCK34DE?K6(*E4BT)+$EUKTI0NB`VS
M@=.3+_(Q+VSM-!]6B)2_J54X0ZG0X0BQK@+1U&T,D$]`=JS-YML/W8W4!/Y&
MB#4WB%)OHVBZ4)I;%!CR-A>:7F`B'\D*$WFDO$T-4N9R3IC*,8]_3FC6F[L@
MY%T+CCR4FI($0L\RFFN28LT-(311G"B?;4E@P(M<1'F!B3``Y?%9N4P9.B^]
M*%'I9(92PHM\17_TTRU`!>GR'7F33M6\+E%`>!&J";W(:&ZP(GI1/)^KB=\*
MS7*BN2@P--$/Q4DN7U?+/:(IE/1K1)JH8#LC*?:*G!"[0$$(+1>E>@1*DN"A
MJPBQZIH0JVX01;=BR4V,`7T'I[`[]KV)Y^P'TJ8N*/UYF_K05DQ8C^+P5Z2)
M6C(R%W&X";OH9V>.*.'ML$"41MV:EMS&$S-CO9Z$)WYE5==6=4/HZ#;3DD2G
M6MK.1:^A[486?A_L"B-Y)%<UO6AD$4IQYW)"[!T%H@E8@H==Q[8E561/JPBQ
M^IH0JV_.4M]2Q8'US<6NH;'<Y(UG[J3WR`$P1:NP5)D)ZY%:ZJ9RI\NPHECJ
M?$6QU'F$&V8<)3.U\9:H1ZQUJ"=<ZXSJ!BO2CCF/@EG8K;.M4"V=RP6WH;U&
MG,O'PL*Y/%+.I:-8,$4W`WGT<T(\^@4A/TV2^927DZXC)0F$?F4TUR3%FAM"
M?KV,(QT(MB0PX%(NNKW`1#X8%B;R2/F1VNNRR$L)/T+$:WB!4N1'<WV06Z*`
M<".CN:;&6'.#B+;,F=;<"LW"BZ`Q::(?VC([+3+Z1S2R99(4>T5.B%V@('1\
MRR0)-DI%B%77A%AU@VALRZ2:X+&\=@:35=I4Q_L_9E.;!KB9ZC;#\%>D^C`F
M(ZE@RT04;IF(<,N,9Q!HR=6QI$H\\2NKNB8IWHT;0KAEV@6S)8E.M;2="Z/#
M*?MCMO/!>#B3(>1WMDO"W2]-5)B0D11[2$X(5F\>>KT(%20U[R*0-\EBIJ+#
MDB1X6"I"W%J-:`+3\GAK#4JEPA$F:LEM23VL(:SKJ-.Z2/R4X?]]^-Y=USJ]
MS<0^H!>6QQ@_Z4.X#*4@7J44-T<4'+06%I465597;:4:BUJ!I!,.YQ%T4?;L
MRW=QGTGP`,`%/!6/KT@L]#"]"[,,6PRU<XA16*G2HLJBVJ+&HM:BM44;B[86
M[022UG>A^BE//.NTVX6-*HM#%'A=ANCT\7;.4F3\PJ+2HLJBVJ)&(&D*G4#\
MV&IH\XK8(Y>Z\-*@<X&,I,)IZBL>/^G&.B!`MBHMJJSF&A$,Q9'3;A8@S:U`
MTG(NV`Z=:&39\K&Y6+8\&C,12H4F\FCDT#ONI:@WI4651;5%C46M0-(R+NH.
M+>-\*H$]8L1"KIH*\3R2P?%$[7N9BU:@8A@<$^)HK2`D]BKMD"5*031&1JNH
M(J^"-2%6WQ`ZJ;X5ZJ71H*(QVEG)*9Q<&+MYY(*@?O*E$[4K9%@1-G'J:TZ(
MXX4"T4A23Q4Y%JX(L?J:$*MOSE+?4D6;@4'$*>UVVLDZ<>EDB)23Z6,BE`J=
M#-$4XK[>RA#FRB"W(/4P&UE*AX4E2H5^9UNL"8'#LR[=8D-2H2LF4S5K6FXQ
MT'4L=DMTPC%B99M9=!H@LY`NJ0ZG,Y)BG\D)L<\4B"8^_'\3J1B[I"J!,Q)B
MQ34A5MR0XG#32B?J4*>EBJ'4T=--.`^4_OE#&VRG1;FM3S?<BM+[0CK141U6
MA/G3SW%$,/Z$"D28JD&J>JL.($JJQ/:KK.J:I%AU0\B/531)(F-.S)LZU6)-
M3,8RAK/BM$Z+LIU/&$2J%NEQSK!BP@Z2$Q*364_`@J1\J@;WTYG,ER1X6"I"
MW%J-:"15(RE_-!U-XIF:#RVI[EJ3%A[.0_B^C_-RLJ1/0\BE5HC@4@JAC%`0
MR2`*<S*+2HLJJZNV4HU%K4#2%BZ>#\.6D37.B2NW\@@".NXSHJ[/LKGAR/OB
M%!#<$W\'KP.0`JK]:T5BH>>:Q0)5<:23<S7J4F%1:5%E46U18U%KT=JBC45;
MBW8"2>N[X/B"P7;B:K`]2GE%S!)$[/,Y(A&JIQ.UNA8L158N+:HLJBUJ+&H%
MDF9PH7-HAA_;G7P`'N8VB4?".HA"ZW@DDN-THHX)"]0%4FR=OB*ARDK5%C46
MM0))ZPS%Y!'<Q0Z3^OR[XESFHWW'HY',#RL&IPDYHN/),0N084J+*JNY9JDC
MR3$+D.96(&$YMV4)OSJ]EG;B<GHA&C$1205;"B(QXV)S1QA+46]*BRJ+:HL:
MBUJ!I&4NBZ0G-I)&I/(5M>=G*!7F*X0X:RT(A:F"O3L,I<+DA"KR5E$38O4-
MH9/J6Z%>&NN7!,_.4FH"(A(!8*JO*&8DQ2%93@A6^C[JMCD?2?D`,$ZG,[75
MEB3!:UI%B%NK$3EO.MY:0U(^`(QG,QV0MJ3:!H"3L1#[O`"P4]--8/ZA$(2H
M]&Y%8J'UE&4REJ&9F5M46%1:5%E46]18U%JTMFACT=:BG4#2O<>B[[/R&TB#
MC7M[)/95<T]UAA6#?36WJ+"HM*BRJ!9(]ML%Q3\==;@3*3VM,=IV^S,]SV26
MLPPKAOLJHN/[*@N05Y86559SC0B,?&1?90'2W`HD+:>3AI%]M<\-2/=JXM'8
MOHI2X;[JD=A7TZD^[4+U($4MEA95%M46-1:U`DG+N-@[]*D1R_A0/0Q9)QZY
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M@10A>R#EKF,(?_9G`1<?2'5Z;"RH'')%8K"Z]<NMC@59AD8VMZBPJ+2HLJBV
MJ+&HM6AMT<:BK44[@>1@CP7B9\6"<.N?\0&/W#3M[6QC0:P(4FSIOB*APDJ5
M%E46U18U%K46K2W:""1M^$OB:7=#H9Y''HT$35@QC"L1P1S'Z$^%$P4+D)%+
MBRJKN6:I(W$E"Y#FUJ*UU;Q!!*Z`FM65PRT+D.:=0'),7$A^?J@Q]1%\&&H@
M&C.^KRB,[Y%;\7K/MR=!J!ZDJ#>E195%M46-1:U%:XLV%FTMV@DDK>R"\]#*
M;NT^Z^Z!J0_KA<$]4F&)69N]5!`]Y*@K#(0)A:N/R<A*E`J#$ZH8!,*$>)]O
M")U4WUKU:ZK(ZC>$6/V6T$GU.Z%>#HL+W<-A.9V43'VD+\;"(QEGQ^J$/,.*
M89Q-"!9Q=GY],%20%%Z=M8_JD4`0:!,*`FU"X!+'&VM(RH>H`T_OD0`WMB;$
MC6T(G6QL2U+86)*H^&-'`EUC<M0NRX[<4TYZO_!(SJ!8']%B13&#?$4Q@SR"
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M%\?)([.2ZO"`559S35+!C6&$,/2X7:@?V)(`:UY;S1N28LU;0G['-$_![:B\
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M6K2V:&/1UJ*=0-+2+O7^>4O[!%Y8VJ.1`RWW!D.8'N&!%J+CIXDL0/.@M*BR
MFFN6.G*:R`*DN;5H;35O6.K(:2(+D.:=0'),7&(;CLGI`Q6PNLX.$8T9'Q/H
MT/,]&CE-1/7A::)%E46U18U%K45KBS86;2W:"22M['+CT,HN#'(W^XU8VZ?4
MH)=&<C7S2&5W9OGV4B*[0\2Z"M3EWC30)V'V*!&E1(YGU->DB]4WA$ZJ;ZWZ
M-54,$SKSZ[<D=5+]3J@78Y)>EFEWXC+31J02.Y5:9B3%47=.Z/11(DEAKA?/
M]5N!2I((TCU"W%I-"#8:'F:=?S8DA9>[DU3Y5$L"W-B:$#>V(72RL2U)^<:2
MVX4ZGMB10->8'+;+\G'(L_2"A4A-(95*9R@53B%"[.,%(CQ+?!/9=`XEPNE#
M>MB_:T*LNB$4^G=JGD1A]<'@!C=8^.,LTL4M;@AQBUM"HL74#`VF]R+-"%J4
MHZ53\M,+'MS=;D;+(SG)4G4%+<.*P9E#3H@SI`(1GIZ8I]RH!GMX18@]O";$
M>AO2Z^^!T7I;JL%ZUX18[X80Z]VR7A[<)%(3<T<5SSHC27])0MYI48NAS]'E
M&4FJ;C/*L&+X]!RB\(R$D,]1U<PLJ91M5UFU-4GQ,49#B%ZC*`]>6BIFO6NK
M=T-2K'=+:%COCHH[O7)V#"74[C'P\Y^%2&TRC4@>C:3J+"\C*7:WG)#[`?W-
MGGJC*$@*7YLR,2_`*DF"CRLJ0MQ:C6CD;(2D\+@BB90WM*29&UL3XL8VI$8L
M6KIK6Y+"@YA$OY1I1YKMV8A[@L5$>''*9X]T-G+!T/;I?!_]=:W`O`N[D:;J
MG"\C*;X`GQ."Q?34T&*+WI'?1*E^M+0D/1S&5X2XM9J06)&TM1N4@I>K=(?9
MR50_Q=62'FYM38A;VQ`ZV=I6M3:Y-0=?I*=K3<Y3EZ/K\#U\;(D&=V1W\ZF^
M2Q/Z08![^E7`N$I1+)R&:LW/6(9\([>HL*BTJ+*HMJBQJ+5H;='&HJU%.X&D
M\5W:'AI_Q,A.7&U-'H6GBW")UDF%9P&(PM-%BTJ+*JNKME*-1:U%:ZMK8Z6V
M%NT$DO9S:79HOQ\Z@G?OK=)F]2@\WT(I858O-7*^A17#\RV+*HMJBQJ+6HO6
M%FTLVEJT$TA:VB6I/V]IIT4YL$<C1RPI2O%JF2,Z?K[%`K2.E!955G/-4D?.
MMUB`-+<6K:WF#4L=.=]B`=*\$TB,R?RR++\3E\9'-&)\D@J,CTB<;]GG.UB*
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M5%*5<%9@\ZRX)BE6W)!B?Q9E%+=4A16O";'B#2%6O!U1O*,JG6)I>9@3`W'1
MQ=>WYTY/MSGSN@[YD_*L%8E!B-\O_SI_8AG:=7.+"HM*BRJ+:HL:BUJ+UA9M
M+-I:M!-(6E\GKR-^WR>I9)G5W*,P?R(4ACM>*LR?4"I`I465U55;J<:B5B#9
M9Y?>_70D/O=)HEAV,6_DV9.A5)CS(()L!D-8=?A6L``9N;2HLIIKECH2=K,`
M:6X%DF;2J>&(:]@<<-[G@#S73*B5D53H+;[B6'#<2U%O2M057`^N+*HM:BQJ
M!9*6<;E4Z$`CEG'B*FWP2&X6<WW=8HY2O/3FA'CI+1").YN-E4NJR+Y9$6+U
M-2%6WYREOJ6*=GU?7)9C=>+26(A$-#/3+UC,4"J,9@AQ?%"0KG#Y3_2'7TJ4
M"J,:TL7A1TV(U3>$8.#ZW276;Y]L63U+A:&G<+;%9=E3)Z[LA]?DX$__HU+]
M%9X,*X87R0BQ-Q2(Z"*9NOQ74HW`RP@%7D:(]3:D%P,3=66HI1H#[G590K.P
M"0TBX5[I7"W*&4H)]_*ZPF"9=/E@.=5WQ&.Q\"M4$OJ5T=M0ZW[/,+=>"[W2
M>R[+)18VET"DEBI]58&D>)1S0CS*!2+T'A5VE50A=![_>P*GK$F*U3:D%IU'
MYEXM51CP'1WT_]#AY\+F`HC$Y<XD4I,E(RF^.)4C"B]W$O*7G51B65(IV[VR
M:FN2XLN2#2&\+*G<O:7B3J_TJ.%XG:]EG?7D]**/UFGO7B&"]W<&ZY1]32B*
MP;L&J6:.""X6$BI(&5P,<[&0VEE+4L*FKPBQWMKJ;1#!,6^G5E\#;$E+N`$<
M7]IU\*W][[PK1XL^*.?U'3(?M?BL2"S<^M04S%B&+)E;5%A46E195%O46-1:
MM+9H8]'6HIU`TH]=L'Y^$+?PL7T8[B,*$IC,HEP@^0M<_!K^`CW\Y\TD'P6+
M'^91>.UE@2@(LA&-7'MA*?*(TJ+*HMJBQJ)6(&D=%_S^O'5\""VLX]'(D?T"
MI4*#>73\>@G6`0&V55^'4&4UUUSQ2.+&`J2F%4A8KEM!A>E.YR=>7L:,Q$:L
MU(L%9B(FLC?[(H!`C/H$'WAUR<+[ZS!_&V#PB5<C!Q]T-0P^X1HR9:3+XNKN
M@U(JBR.F0D>]J))8&#OVC),'^`"N#]1';KDEL3"*)!8T`49"==P$&.F<)L!N
M7LPWH>SFHM-P7HXYEX]FPQGH;NIPP^Q>U==G)#:C([$@^LM[!GM>7]4^H45B
M,BG6B1CXF_\A\,$6\D'XHC`R#JG`E,A.M@K6Q7Y!<,,_3K<*U@U;5=:]+%Z'
M%T]WEI36]<R]O*W_%3;?HZJ!RX!U?=4PI2&&=['&YIDPL**O)1T2-05Y#<D%
MVL%D7@[N4'!+W\1\A!6L%6I7UM(!_)@OVE`=WIII?3&=Z_R&Q*0O^JKPT1KR
M'IC#R/`YRTFJ#J#!6B@A?`Z9\#FC':SE&5[52A*UU("Q0N7*6#IP'S.6#=&C
M6\^4:ZGD`3X![L6D:R'CU0B,Y1FYUFTZ\,EO+R)]RZB'&6K4@[4\0]^*$O->
M6+!7J%[9RX75ERQT3E[OHIZIY%E?B(MN48R''Z8B,N%<GLE5S7Q4IZ\J/,PT
M`38S38#-SFD"[(95;5(-MZPIN_U06.O5:'/Z(!P^:Q$L;3:QIKKAC<3$PM2:
M&-S:WF5SB;YN"Y/5MPB?U:`I#AN$9X%V,"7*<>@'ID3FEX(XU>]$`2N&VI7W
M_9+D`*Y_#3BE9_(68/W-#)C$*,8."$Z)#'YWO[4,[;XHA@](#WR+LM<49.`]
MXQ;!L%[5R(W`O1C>G#OPB4H2@0>K8"B5L5V4'DYU[;+G)>*0<Y.UV3P1I.+R
M1&K5RX5F5$LYV!^5\0X*]C<,%E'#P&T-`[<U#*QK&+BM8>"HAJT'V&:`;0?8
M3C(Y%I$+V<.Q&-FF.GFU3B`+,W,8A6YL`I9+IGZ&BX##GZ%=XJSD'`:?/(+6
MCQ6QR+V(O9]%YO[FC.7ZM0=^L=<GDO9TH4X%BT",FBTE4YUU`6G8V3&;^P!6
M1)V19V,)(XF%"2,R=_]\;X^!A)'%@D[Y5J&JF=1P19H[!=O56)]\F"G[A*$G
MKBJWD0D+NT;D*W<C8M`F=T??X`YCA,I]Y!M/;.Q#$@.;+%Q0OJAS/BR4G?,,
MDE<\=%!>!`[H)4081RP,XY!AG!7']GOJ*#&43SJ'Z7WOC&'R`9OL"09Q_3"9
MM;1K1`\3UN+=!L8$&8Z)N2$39A%*#(V)BXEH%IW1$R>N%R[/>$Q,J!AY"3DF
MR,28>$9C,M?'P=`3+S$X)BXNN:`G/HR18^(91+[H72H/`N]""0ZM8'E#)L8$
M&<V31&VGT!.4&!H3%SY<T!,?;<B>8`0"*TT_G=.%=3$O)@<&F1@8SR@IF<3Z
M&@+TQXN$(W/S\F6_?\WO7^\_O'O:/W_>9_NO7U^N'@Y_?(,?!?>Z!/CJ>?_I
M_?7=8K:\<T$/+(Q]#5\$EP*6[F3<ED"%!=3R&;JNY<JZK7N@WFRZO(-'9&P)
MO%!DZ=ZO84ON4OB!<%^8+8&'7);NF0];<C>'=N`:BRV!&[N6[CXG6W*70#LP
MHVP)?*5KZ3Y:94ON)LGRSI]":BM`B?O&Q$"=:;R\@_>XV!)X^?+2O8O8EK@-
M?0D#WCVPI%J"LMB5#=6[BY9W0WP5P0@-M+."'S`H#YT9[,L$]`\5K";0^X$&
M[F*H`1F%[2)\#1O:'JJS6J1+=WG$ULD7\Z6[-#!4LEB6</1M2^`0'>H,E4#8
M?+N$&+;+S921(1J[78*EA\KR^2VXU'#);.EN5AOX%?/9TMUZ9DOR>0IUAGH+
M]VU!G:&2?`YV@/N0!K3-YC"M!DM2:`=6%UL''CQ:NL>*;`D\1@03;J@D3Z$=
MN-IIZ\#C(]#.D+WA\0]H9Z@$'M\`;4,E^12F+[QP=Z"=V63I7MMD2^`U34OW
M$B9;`B]=`NL,E>0SF/+P$AI;)Y^!W>!5*+8$7M<"[0R5P.M60-M023X!/X!C
M,JLMG]XNW=OQ;0F\#7_IWG5O2^#=]F"=H9+5-%FZ5W3;.OD4[`8OBK8E\#)K
M:&>H!%Y&#>T,E<"GT);NTV8#VJ#$?9K,EN03Z(^_**]GW62R=!^L&:HS7;I/
MO=@2^+0+:!LJR1/H*7QH<J`.E+A/4-J259(N5_`I.EL"GQ5<9H,E\'5!T#8X
MV@G,T^$Z<;(L!U?2&DK:P1+XB/W2?4/>_K8\AG7''S<KB\+7UD';H+_%\*OA
ML7&K;35=YD.ME--E/<1S:&*P!;?@#.BOW7(SP'.WJ#E^TW?BY<.[[_>?]]O[
MY\^/WUZNONX_051SV]U3\OSXV:7>_C]>#]_AN<SKJ]\.KZ^'I^Z?7_;W'_?/
M3@`B\T^'PRO]AVO@K\/S[UWD].'_!0```/__`P!02P,$%``&``@````A`$3M
M!'8S`0``0`(``!$`"`%D;V-0<F]P<R]C;W)E+GAM;""B!`$HH``!````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M`````````````````````````````````)R174_#(!2&[TW\#PWW+:7[R$):
MEJC9E4M,G-%XAW#6$0LE@';[][*NJS-ZY25Y7QZ><RB7>]TDG^"\:DV%2):C
M!(QHI3)UA9XVJW2!$A^XD;QI#53H`!XMV?55*2P5K8,'UUIP08%/(LEX*FR%
M=B%8BK$7.]#<9[%A8KAMG>8A'EV-+1?OO`9<Y/D<:PA<\L#Q$9C:D8@&I!0C
MTGZXI@=(@:$!#29X3#*"O[L!G/9_7NB3BZ96X6#C3(/N)5N*4SBV]UZ-Q:[K
MLF[2:T1_@E_6]X_]J*DRQUT)0.RXGX;[L(ZKW"J0-P>V?W--XOVNQ+^S4HK>
MC@H'/(!,XGOT9'=.GB>W=YL58D5.IFE>I,5B0^:4S.AL^EKB<VNXST:@'@3^
M33P#6._]\\_9%P```/__`P!02P,$%``&``@````A`(KZZ>-L!0``VQH``!``
M"`%D;V-0<F]P<R]A<'`N>&UL(*($`2B@``$`````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````````````````````````````````````````````````
M````````````````G%G?<YLX$'Z_F?L?/'YOG:2Y7J]#W%%`CC7E5Q&XER<-
MQ7+#E(`'2":YO_Y6$"=VLFP'OV0<M-_NMZO5AX2L+P^WQ>1>UTU>E1?3T_<G
MTXDNLVJ=ES\OIDF\>/=I.FG:M%RG157JB^FC;J9?YG_^885UM=5UF^MF`B[*
MYF)ZT[;;S[-9D]WHV[1Y#\,EC&RJ^C9MX=_ZYZS:;/),.U5V=ZO+=G9V<O)Q
MIA]:7:[U^MWVV>&T]_CYOCW6Z;K*#+]F%3]N@?#<8MMMD6=I"UG.O3RKJZ;:
MM!/^D.G"FNT/6L!.ZNRNSMO'^8DUV__7DEE::!L<SS=IT6AK]O+`6NK4%"U,
M\[J96_?MYWN=M54]:?+_H&QGT\F/M-&&SL7T/JWSM&R!EC'K_^E^%]NFK>??
MJ_I7<Z-UVU@S,.@?=C_W;?=_Y^?ST[._.A/X>6AJ7/148."09)RWA6Z"39C6
M+<(97.ZS[GCTG'M*NWE4T!V*ERU43(FRG^^\VN?^G(4=^#)PA<-B[JA+YC+?
MYDHN.8_E6'L5IK^'R!@B>=R/I0H6*@CY6(@=>*,A2W8$Y'0TAN$EDXGGL>C:
MY"O%E2\6PF9^K)AM!XD?XU&87"KF.\I)N%I$@:<<'@92Q`'X$2A$^"LN8U-9
M);F=1"(6'.?C!LS'1YCK!M^[#E@$D3)V\$?*`3]^X(<\`DM/^%>*@1U,JO!M
M-W'@`4HRC+@GP%^7&_^6B-`01DV?$L:)RF40Q3&//'491%'P'>+AALQ9F7QD
M7\0%=WC$7+4,/&[2PP,+:4/6261H7@9)K!9,1&K%7)@+O/<<"A*@4:!.AD3,
M_AVH+O="-[CF7%URGR]$K$)8FWB2+F>2*_#GB:X!<*N]\:[\L/)CJ)MI&%?@
MI8#I6O`H`F60<6!_11/I1DSPD/N2Q2+P":;0\XF7N)W8!/&21QTPXDO`BA7J
M7_@Q\Z_$I<N?6@RU@GD5*XB^XFK)G2O3D,*7<91T4H-")+_J5@O,<^(.J%W$
MKPQ;L^IL%HJ8N:BKD$6FC*8(S+]6"^%#TPEH-.'#\D`ADKO<-IK[+6$1=+(+
M$5ZD&(>0.H++%:T]9V@<5$E4G/Z`5Q,*Z`2%,AC4E0Z$^J3%!4\65Q>*V$YD
M*!M,:RA[6G)PYJ2`>$=@`ARSKSI4#KCX4(@W&D09O](5RG1(7GH,VCJTR."%
MH?4#Q[P2$"J+MSI"6=-R,D2&TI,!#"DH']#BTH)R?@2FWR4_[:E?]J7D#@C/
M!Q<N":>?]5VA46HTY)@P8S353^L:3D#W*+5>5>7=[6U:/ZIJH]PJ+558U>VF
M*G("`EZ-4ZT<W:9Y@6OVL"1'50$GL.>),">B?G*&(8;D6`C,RD@(@T/Q2(@I
MV4A(J.O-2(A=I&.+;&8>C4*_]_#FHC'X.J8Q^#JF,?@ZIC$?T1H,O,>I=GY^
MD>]6NUDPEVF1EIEN%!H%A8BRU;5NVA&0YRBX6J!AO+0UWS-R?`F@.PXJ>WK+
M@3<-C<&;AMZFX'%HS#%Q\.8DXP0XMX/MT'[G\`?X5(9VS2`DTEDU$N+HS8"B
M#4:Q;]+RY^^)[5XL]#M@8)?W!$:C#$">:G<$!%\T=!A\,FD,WF@T!F\T&H.K
M((W!59#&_'U$K3\=@?D'Q;S=[5/R1']YP#O@]1%A?W6&-4KJ->1P$:"0P=-%
MAQT'Z1@>`<'SIP\Q^`J@,?@*>/-YA=PUTL<DG-7K8Q+5*<@YB3*G#THX'1J#
M%XG&X#)!8W"9H#\*'>1S<(GPZMK`S<M?3;*-*R=M]>YBY/"A)6_26J_APF`W
M_O+`6L*=2%T8)]WK1J]W-F\'S#7.JK^KFI^>OS_Y<`(W-'O/K-G+K=3\?P``
M`/__`P!02P$"+0`4``8`"````"$`E13"7_T"``#^1@``$P``````````````
M````````6T-O;G1E;G1?5'EP97-=+GAM;%!+`0(M`!0`!@`(````(0"U53`C
M]0```$P"```+`````````````````#8%``!?<F5L<R\N<F5L<U!+`0(M`!0`
M!@`(````(0#]1C#_#@0``"A(```:`````````````````%P(``!X;"]?<F5L
M<R]W;W)K8F]O:RYX;6PN<F5L<U!+`0(M`!0`!@`(````(0"'%#V920@``(DD
M```/`````````````````*H-``!X;"]W;W)K8F]O:RYX;6Q02P$"+0`4``8`
M"````"$`PO/0);H(```H*@``&``````````````````@%@``>&PO=V]R:W-H
M965T<R]S:&5E=#0N>&UL4$L!`BT`%``&``@````A`%V?Z7\5`P``[`@``!D`
M````````````````$!\``'AL+W=O<FMS:&5E=',O<VAE970Y,"YX;6Q02P$"
M+0`4``8`"````"$`@8S3U"(&``!;'P``&0````````````````!<(@``>&PO
M=V]R:W-H965T<R]S:&5E=#@Y+GAM;%!+`0(M`!0`!@`(````(0",_4LBAP@`
M`.8S```9`````````````````+4H``!X;"]W;W)K<VAE971S+W-H965T.#@N
M>&UL4$L!`BT`%``&``@````A`,?8A>`B!```%A$``!D`````````````````
M<S$``'AL+W=O<FMS:&5E=',O<VAE970X-RYX;6Q02P$"+0`4``8`"````"$`
MP8AO%B@$```!#P``&0````````````````#,-0``>&PO=V]R:W-H965T<R]S
M:&5E=#@V+GAM;%!+`0(M`!0`!@`(````(0`BETG:7P0``&41```9````````
M`````````"LZ``!X;"]W;W)K<VAE971S+W-H965T.#4N>&UL4$L!`BT`%``&
M``@````A`*UBU0?)#```&%$``!D`````````````````P3X``'AL+W=O<FMS
M:&5E=',O<VAE970Y,2YX;6Q02P$"+0`4``8`"````"$`^$;A??`#``!%#P``
M&0````````````````#!2P``>&PO=V]R:W-H965T<R]S:&5E=#DR+GAM;%!+
M`0(M`!0`!@`(````(0!DTJ9^9P4``*L:```9`````````````````.A/``!X
M;"]W;W)K<VAE971S+W-H965T.3,N>&UL4$L!`BT`%``&``@````A`,#Z/GY,
M!````1```!D`````````````````AE4``'AL+W=O<FMS:&5E=',O<VAE970Y
M."YX;6Q02P$"+0`4``8`"````"$`+\66T=P&``!7(```&0``````````````
M```)6@``>&PO=V]R:W-H965T<R]S:&5E=#DW+GAM;%!+`0(M`!0`!@`(````
M(0!N^?6&:@(``!X&```9`````````````````!QA``!X;"]W;W)K<VAE971S
M+W-H965T.38N>&UL4$L!`BT`%``&``@````A`/`HO7X$`P``C`@``!D`````
M````````````O6,``'AL+W=O<FMS:&5E=',O<VAE970Y-2YX;6Q02P$"+0`4
M``8`"````"$`0OY\0P0$``"6#0``&0````````````````#X9@``>&PO=V]R
M:W-H965T<R]S:&5E=#DT+GAM;%!+`0(M`!0`!@`(````(0!8Q>+#\`(``#P(
M```9`````````````````#-K``!X;"]W;W)K<VAE971S+W-H965T.#0N>&UL
M4$L!`BT`%``&``@````A`+<?H6ON`P``/PX``!D`````````````````6FX`
M`'AL+W=O<FMS:&5E=',O<VAE970X,RYX;6Q02P$"+0`4``8`"````"$``)/H
M?48#``#9"0``&0````````````````!_<@``>&PO=V]R:W-H965T<R]S:&5E
M=#@R+GAM;%!+`0(M`!0`!@`(````(0"L70&`%`8``#T<```9````````````
M`````/QU``!X;"]W;W)K<VAE971S+W-H965T-S,N>&UL4$L!`BT`%``&``@`
M```A`#%M!D(4!```"Q```!D`````````````````1WP``'AL+W=O<FMS:&5E
M=',O<VAE970W,BYX;6Q02P$"+0`4``8`"````"$`A%72]WT&``"Z(```&0``
M``````````````"2@```>&PO=V]R:W-H965T<R]S:&5E=#<Q+GAM;%!+`0(M
M`!0`!@`(````(0"PR[&;F00``#<3```9`````````````````$:'``!X;"]W
M;W)K<VAE971S+W-H965T-S`N>&UL4$L!`BT`%``&``@````A`)VD,IIP!0``
M:!D``!D`````````````````%HP``'AL+W=O<FMS:&5E=',O<VAE970V.2YX
M;6Q02P$"+0`4``8`"````"$`A;P!1B@)``#-0P``&0````````````````"]
MD0``>&PO=V]R:W-H965T<R]S:&5E=#<T+GAM;%!+`0(M`!0`!@`(````(0"C
MI@^K*@0``"</```9`````````````````!R;``!X;"]W;W)K<VAE971S+W-H
M965T-S4N>&UL4$L!`BT`%``&``@````A`*5^4HL,!```'!```!D`````````
M````````?9\``'AL+W=O<FMS:&5E=',O<VAE970W-BYX;6Q02P$"+0`4``8`
M"````"$`+G%*=#<#``!Z"0``&0````````````````#`HP``>&PO=V]R:W-H
M965T<R]S:&5E=#@Q+GAM;%!+`0(M`!0`!@`(````(0#@!N;N600``,,1```9
M`````````````````"ZG``!X;"]W;W)K<VAE971S+W-H965T.#`N>&UL4$L!
M`BT`%``&``@````A`'!Q.X?;`@``>0@``!D`````````````````OJL``'AL
M+W=O<FMS:&5E=',O<VAE970W.2YX;6Q02P$"+0`4``8`"````"$`\8@.Z,T"
M``#(!P``&0````````````````#0K@``>&PO=V]R:W-H965T<R]S:&5E=#<X
M+GAM;%!+`0(M`!0`!@`(````(0!FYI#4XP(``(T(```9````````````````
M`-2Q``!X;"]W;W)K<VAE971S+W-H965T-S<N>&UL4$L!`BT`%``&``@````A
M`-;J8FOU`@``1P@``!D`````````````````[K0``'AL+W=O<FMS:&5E=',O
M<VAE970Y.2YX;6Q02P$"+0`4``8`"````"$`_N$:WY8"``![!@``&@``````
M```````````:N```>&PO=V]R:W-H965T<R]S:&5E=#$P,"YX;6Q02P$"+0`4
M``8`"````"$`99''#G,"``!V!@``&@````````````````#HN@``>&PO=V]R
M:W-H965T<R]S:&5E=#$P,2YX;6Q02P$"+0`4``8`"````"$`"1]7S_<)``![
M0```&@````````````````"3O0``>&PO=V]R:W-H965T<R]S:&5E=#$R,BYX
M;6Q02P$"+0`4``8`"````"$`LEPQL78&``"7'@``&@````````````````#"
MQP``>&PO=V]R:W-H965T<R]S:&5E=#$R,2YX;6Q02P$"+0`4``8`"````"$`
M2H(*BO,&``!#(```&@````````````````!PS@``>&PO=V]R:W-H965T<R]S
M:&5E=#$R,"YX;6Q02P$"+0`4``8`"````"$`!26*2=T-``!G80``&@``````
M``````````";U0``>&PO=V]R:W-H965T<R]S:&5E=#$Q.2YX;6Q02P$"+0`4
M``8`"````"$`@+%&DMX#``#Z#@``&@````````````````"PXP``>&PO=V]R
M:W-H965T<R]S:&5E=#$Q."YX;6Q02P$"+0`4``8`"````"$`6_NT)@\'``#T
M'P``&@````````````````#&YP``>&PO=V]R:W-H965T<R]S:&5E=#$R,RYX
M;6Q02P$"+0`4``8`"````"$`$!@W/V,"``!:!0``&@`````````````````-
M[P``>&PO=V]R:W-H965T<R]S:&5E=#$R-"YX;6Q02P$"+0`4``8`"````"$`
MXG>A4T0'``!;(```&@````````````````"H\0``>&PO=V]R:W-H965T<R]S
M:&5E=#$R-2YX;6Q02P$"+0`4``8`"````"$`]'[+D0X'``!;'@``&```````
M```````````D^0``>&PO=V]R:W-H965T<R]S:&5E=#(N>&UL4$L!`BT`%``&
M``@````A`![<$#^/`P``ZPL``!@`````````````````:``!`'AL+W=O<FMS
M:&5E=',O<VAE970S+GAM;%!+`0(M`!0`!@`(````(0`R_6RY7,$``'9]`@`4
M`````````````````"T$`0!X;"]S:&%R9613=')I;F=S+GAM;%!+`0(M`!0`
M!@`(````(0!3"P36(1$``*?(```-`````````````````+O%`0!X;"]S='EL
M97,N>&UL4$L!`BT`%``&``@````A`/MBI6V4!@``IQL``!,`````````````
M````!]<!`'AL+W1H96UE+W1H96UE,2YX;6Q02P$"+0`4``8`"````"$`5=E3
M9#`#``#:"@``&@````````````````#,W0$`>&PO=V]R:W-H965T<R]S:&5E
M=#$Q-RYX;6Q02P$"+0`4``8`"````"$`K<&(1\L$``!5$@``&@``````````
M```````TX0$`>&PO=V]R:W-H965T<R]S:&5E=#$Q-BYX;6Q02P$"+0`4``8`
M"````"$`;O85)\4$``!(%```&@`````````````````WY@$`>&PO=V]R:W-H
M965T<R]S:&5E=#$Q-2YX;6Q02P$"+0`4``8`"````"$`1YS\9EP$``#7$0``
M&@`````````````````TZP$`>&PO=V]R:W-H965T<R]S:&5E=#$P-BYX;6Q0
M2P$"+0`4``8`"````"$`+NSGMH4#``!)#@``&@````````````````#([P$`
M>&PO=V]R:W-H965T<R]S:&5E=#$P-2YX;6Q02P$"+0`4``8`"````"$`'^HY
MO/L"``#I"```&@````````````````"%\P$`>&PO=V]R:W-H965T<R]S:&5E
M=#$P-"YX;6Q02P$"+0`4``8`"````"$`J@/E,6D$``!-#P``&@``````````
M``````"X]@$`>&PO=V]R:W-H965T<R]S:&5E=#$P,RYX;6Q02P$"+0`4``8`
M"````"$`]%$VZWD#``!D"P``&@````````````````!9^P$`>&PO=V]R:W-H
M965T<R]S:&5E=#$P,BYX;6Q02P$"+0`4``8`"````"$`TN`7L^0"```2"```
M&@`````````````````*_P$`>&PO=V]R:W-H965T<R]S:&5E=#$P-RYX;6Q0
M2P$"+0`4``8`"````"$`V+?-RD@#``"C"@``&@`````````````````F`@(`
M>&PO=V]R:W-H965T<R]S:&5E=#$P."YX;6Q02P$"+0`4``8`"````"$`V$3?
MF,8#``#-#@``&@````````````````"F!0(`>&PO=V]R:W-H965T<R]S:&5E
M=#$P.2YX;6Q02P$"+0`4``8`"````"$`B:".*]P#``#D#0``&@``````````
M``````"D"0(`>&PO=V]R:W-H965T<R]S:&5E=#$Q-"YX;6Q02P$"+0`4``8`
M"````"$`"]/`3V\$```!$```&@````````````````"X#0(`>&PO=V]R:W-H
M965T<R]S:&5E=#$Q,RYX;6Q02P$"+0`4``8`"````"$`PQI]TQ`%```5%@``
M&@````````````````!?$@(`>&PO=V]R:W-H965T<R]S:&5E=#$Q,BYX;6Q0
M2P$"+0`4``8`"````"$`X810&%8#``">"P``&@````````````````"G%P(`
M>&PO=V]R:W-H965T<R]S:&5E=#$Q,2YX;6Q02P$"+0`4``8`"````"$`9_;%
M'OT%``"1&0``&@`````````````````U&P(`>&PO=V]R:W-H965T<R]S:&5E
M=#$Q,"YX;6Q02P$"+0`4``8`"````"$`M?_;!DP$``#,$```&```````````
M``````!J(0(`>&PO=V]R:W-H965T<R]S:&5E=#$N>&UL4$L!`BT`%``&``@`
M```A`/E@+N9;"```/"P``!D`````````````````["4"`'AL+W=O<FMS:&5E
M=',O<VAE970V."YX;6Q02P$"+0`4``8`"````"$`CC&F^;P"```$!P``&0``
M``````````````!^+@(`>&PO=V]R:W-H965T<R]S:&5E=#8V+GAM;%!+`0(M
M`!0`!@`(````(0""[RC@JP4``.`5```9`````````````````'$Q`@!X;"]W
M;W)K<VAE971S+W-H965T,C4N>&UL4$L!`BT`%``&``@````A`"XQC/&]`@``
M>@<``!D`````````````````4S<"`'AL+W=O<FMS:&5E=',O<VAE970R-"YX
M;6Q02P$"+0`4``8`"````"$`NZ)9X@\%``"V$0``&0````````````````!'
M.@(`>&PO=V]R:W-H965T<R]S:&5E=#(S+GAM;%!+`0(M`!0`!@`(````(0!T
MIYS><B(``#NS```9`````````````````(T_`@!X;"]W;W)K<VAE971S+W-H
M965T,C(N>&UL4$L!`BT`%``&``@````A`+F:J=ZP%```?VH``!D`````````
M````````-F("`'AL+W=O<FMS:&5E=',O<VAE970R,2YX;6Q02P$"+0`4``8`
M"````"$`D,AO<GT.```910``&0`````````````````==P(`>&PO=V]R:W-H
M965T<R]S:&5E=#(V+GAM;%!+`0(M`!0`!@`(````(0#T:_@#9PL```4S```9
M`````````````````-&%`@!X;"]W;W)K<VAE971S+W-H965T,C<N>&UL4$L!
M`BT`%``&``@````A`*EXDVA\`@``,08``!D`````````````````;Y$"`'AL
M+W=O<FMS:&5E=',O<VAE970R."YX;6Q02P$"+0`4``8`"````"$`OX^4^1X1
M```#4P``&0`````````````````BE`(`>&PO=V]R:W-H965T<R]S:&5E=#,S
M+GAM;%!+`0(M`!0`!@`(````(0!SB*[\X1<``-!S```9````````````````
M`'>E`@!X;"]W;W)K<VAE971S+W-H965T,S(N>&UL4$L!`BT`%``&``@````A
M`/M=.&A\&```SW4``!D`````````````````C[T"`'AL+W=O<FMS:&5E=',O
M<VAE970S,2YX;6Q02P$"+0`4``8`"````"$`W^E55.45``"^;@``&0``````
M``````````!"U@(`>&PO=V]R:W-H965T<R]S:&5E=#,P+GAM;%!+`0(M`!0`
M!@`(````(0`)%9A,\`D``-4N```9`````````````````%[L`@!X;"]W;W)K
M<VAE971S+W-H965T,CDN>&UL4$L!`BT`%``&``@````A`&ID\%_3%P``!(4`
M`!D`````````````````A?8"`'AL+W=O<FMS:&5E=',O<VAE970R,"YX;6Q0
M2P$"+0`4``8`"````"$`%RL'/;L:``"SCP``&0````````````````"/#@,`
M>&PO=V]R:W-H965T<R]S:&5E=#$Y+GAM;%!+`0(M`!0`!@`(````(0"&];*D
MT`D``'XJ```9`````````````````($I`P!X;"]W;W)K<VAE971S+W-H965T
M,3@N>&UL4$L!`BT`%``&``@````A`-WW72FM%0``UWP``!@`````````````
M````B#,#`'AL+W=O<FMS:&5E=',O<VAE970Y+GAM;%!+`0(M`!0`!@`(````
M(0":JSJG)PD``(TI```8`````````````````&M)`P!X;"]W;W)K<VAE971S
M+W-H965T."YX;6Q02P$"+0`4``8`"````"$`N,JXK\4"```E!P``&```````
M``````````#(4@,`>&PO=V]R:W-H965T<R]S:&5E=#<N>&UL4$L!`BT`%``&
M``@````A`)C$VS=D"```^B\``!@`````````````````PU4#`'AL+W=O<FMS
M:&5E=',O<VAE970V+GAM;%!+`0(M`!0`!@`(````(0`AHP@;YP,``.D,```8
M`````````````````%U>`P!X;"]W;W)K<VAE971S+W-H965T-2YX;6Q02P$"
M+0`4``8`"````"$`P,U+:($"```6!@``&0````````````````!Z8@,`>&PO
M=V]R:W-H965T<R]S:&5E=#$P+GAM;%!+`0(M`!0`!@`(````(0#XQK(+5D$`
M`+5C`0`9`````````````````#)E`P!X;"]W;W)K<VAE971S+W-H965T,3$N
M>&UL4$L!`BT`%``&``@````A`(>=12"!!@``?AD``!D`````````````````
MOZ8#`'AL+W=O<FMS:&5E=',O<VAE970Q,BYX;6Q02P$"+0`4``8`"````"$`
M@(MGM5$*``"A+P``&0````````````````!WK0,`>&PO=V]R:W-H965T<R]S
M:&5E=#$W+GAM;%!+`0(M`!0`!@`(````(0#G0;$O3P\``'U&```9````````
M`````````/^W`P!X;"]W;W)K<VAE971S+W-H965T,38N>&UL4$L!`BT`%``&
M``@````A`+FI>G3-!@``HAH``!D`````````````````A<<#`'AL+W=O<FMS
M:&5E=',O<VAE970Q-2YX;6Q02P$"+0`4``8`"````"$`P3`I;S(6``#P<P``
M&0````````````````")S@,`>&PO=V]R:W-H965T<R]S:&5E=#$T+GAM;%!+
M`0(M`!0`!@`(````(0#)@3P3X4X``("Q`0`9`````````````````/+D`P!X
M;"]W;W)K<VAE971S+W-H965T,3,N>&UL4$L!`BT`%``&``@````A`(&HGWS&
M"P``%E,``!D`````````````````"C0$`'AL+W=O<FMS:&5E=',O<VAE970V
M-RYX;6Q02P$"+0`4``8`"````"$`%6A:QM<:``!HG0``&0``````````````
M```'0`0`>&PO=V]R:W-H965T<R]S:&5E=#,T+GAM;%!+`0(M`!0`!@`(````
M(0`Q="3!1SX``&-/`0`9`````````````````!5;!`!X;"]W;W)K<VAE971S
M+W-H965T,S8N>&UL4$L!`BT`%``&``@````A`)OAW(26!@``T2$``!D`````
M````````````DYD$`'AL+W=O<FMS:&5E=',O<VAE970U-RYX;6Q02P$"+0`4
M``8`"````"$`"M9N3%00``!-3@``&0````````````````!@H`0`>&PO=V]R
M:W-H965T<R]S:&5E=#4V+GAM;%!+`0(M`!0`!@`(````(0`U3&I89Q<``!)R
M```9`````````````````.NP!`!X;"]W;W)K<VAE971S+W-H965T-34N>&UL
M4$L!`BT`%``&``@````A`(_&?7V;%@``'VD``!D`````````````````B<@$
M`'AL+W=O<FMS:&5E=',O<VAE970U-"YX;6Q02P$"+0`4``8`"````"$`@HO7
M-E04```@9```&0````````````````!;WP0`>&PO=V]R:W-H965T<R]S:&5E
M=#4S+GAM;%!+`0(M`!0`!@`(````(0#PKOI3<P4``!H:```9````````````
M`````.;S!`!X;"]W;W)K<VAE971S+W-H965T-3@N>&UL4$L!`BT`%``&``@`
M```A`&/DQ8[``@``)`<``!D`````````````````D/D$`'AL+W=O<FMS:&5E
M=',O<VAE970U.2YX;6Q02P$"+0`4``8`"````"$`$/ET`8`"``#G!0``&0``
M``````````````"'_`0`>&PO=V]R:W-H965T<R]S:&5E=#8P+GAM;%!+`0(M
M`!0`!@`(````(0#30?U[KP,``'0-```9`````````````````#[_!`!X;"]W
M;W)K<VAE971S+W-H965T-C4N>&UL4$L!`BT`%``&``@````A`!X`I:7'!0``
MBQL``!D`````````````````)`,%`'AL+W=O<FMS:&5E=',O<VAE970V-"YX
M;6Q02P$"+0`4``8`"````"$`,N27A7@'```V)0``&0`````````````````B
M"04`>&PO=V]R:W-H965T<R]S:&5E=#8S+GAM;%!+`0(M`!0`!@`(````(0`A
M4>S/VPX``(5=```9`````````````````-$0!0!X;"]W;W)K<VAE971S+W-H
M965T-C(N>&UL4$L!`BT`%``&``@````A`,A/%=N^!@``XA\``!D`````````
M````````XQ\%`'AL+W=O<FMS:&5E=',O<VAE970V,2YX;6Q02P$"+0`4``8`
M"````"$``5&0Y4T*``#Y+```&0````````````````#8)@4`>&PO=V]R:W-H
M965T<R]S:&5E=#,U+GAM;%!+`0(M`!0`!@`(````(0#">+5P/0<```D>```9
M`````````````````%PQ!0!X;"]W;W)K<VAE971S+W-H965T-3(N>&UL4$L!
M`BT`%``&``@````A`%7[%F_S#```ICH``!D`````````````````T#@%`'AL
M+W=O<FMS:&5E=',O<VAE970U,"YX;6Q02P$"+0`4``8`"````"$`$PZ3;<X.
M```,0P``&0````````````````#Z104`>&PO=V]R:W-H965T<R]S:&5E=#0Q
M+GAM;%!+`0(M`!0`!@`(````(0#Y56-6%P8``*06```9````````````````
M`/]4!0!X;"]W;W)K<VAE971S+W-H965T-#`N>&UL4$L!`BT`%``&``@````A
M`!6.X!-G$@``ZUD``!D`````````````````35L%`'AL+W=O<FMS:&5E=',O
M<VAE970S.2YX;6Q02P$"+0`4``8`"````"$`W6*2&F=%```&=0$`&0``````
M``````````#K;04`>&PO=V]R:W-H965T<R]S:&5E=#,X+GAM;%!+`0(M`!0`
M!@`(````(0#.&\V6E04``%84```9`````````````````(FS!0!X;"]W;W)K
M<VAE971S+W-H965T,S<N>&UL4$L!`BT`%``&``@````A`/VQ"X_B"@``=S``
M`!D`````````````````5;D%`'AL+W=O<FMS:&5E=',O<VAE970U,2YX;6Q0
M2P$"+0`4``8`"````"$`>@Z*RWH)``"E*@``&0````````````````!NQ`4`
M>&PO=V]R:W-H965T<R]S:&5E=#0R+GAM;%!+`0(M`!0`!@`(````(0"=`]#4
MQQ8``.5U```9`````````````````!_.!0!X;"]W;W)K<VAE971S+W-H965T
M-#0N>&UL4$L!`BT`%``&``@````A`.1V3WR(!```>0\``!D`````````````
M````'>4%`'AL+W=O<FMS:&5E=',O<VAE970T.2YX;6Q02P$"+0`4``8`"```
M`"$`U%J:38,$````#P``&0````````````````#<Z04`>&PO=V]R:W-H965T
M<R]S:&5E=#0X+GAM;%!+`0(M`!0`!@`(````(0#\(@UOB`@``/HB```9````
M`````````````);N!0!X;"]W;W)K<VAE971S+W-H965T-#,N>&UL4$L!`BT`
M%``&``@````A`(AVY]?Z$@``+UX``!D`````````````````5?<%`'AL+W=O
M<FMS:&5E=',O<VAE970T-BYX;6Q02P$"+0`4``8`"````"$`EUIB4P\4``"0
M:0``&0````````````````"&"@8`>&PO=V]R:W-H965T<R]S:&5E=#0U+GAM
M;%!+`0(M`!0`!@`(````(0#"-&#_U1\``':B```9`````````````````,P>
M!@!X;"]W;W)K<VAE971S+W-H965T-#<N>&UL4$L!`BT`%``&``@````A`$3M
M!'8S`0``0`(``!$`````````````````V#X&`&1O8U!R;W!S+V-O<F4N>&UL
M4$L!`BT`%``&``@````A`(KZZ>-L!0``VQH``!``````````````````0D$&
G`&1O8U!R;W!S+V%P<"YX;6Q02P4&`````(8`A@#V)```Y$<&````
`
end

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>22
<FILENAME>R70.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EOGAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Average Recorded Investment in Impaired Loans and Related Interest Income Recognized) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment in impaired loans and related interest income recognized</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">$ 2,509<span></span></td>
        <td class="nump">$ 3,770<span></span></td>
        <td class="nump">$ 4,982<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndOtherIncomeAbstract', window );"><strong>Interest income recognized:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Interest income recognized on a cash basis on impaired loans</a></td>
        <td class="nump">14<span></span></td>
        <td class="nump">4<span></span></td>
        <td class="nump">167<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment in impaired loans and related interest income recognized</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">13<span></span></td>
        <td class="nump">13<span></span></td>
        <td class="nump">503<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndOtherIncomeAbstract', window );"><strong>Interest income recognized:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Interest income recognized on a cash basis on impaired loans</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">17<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial loans secured by real estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment in impaired loans and related interest income recognized</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">2,459<span></span></td>
        <td class="nump">3,754<span></span></td>
        <td class="nump">4,479<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndOtherIncomeAbstract', window );"><strong>Interest income recognized:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Interest income recognized on a cash basis on impaired loans</a></td>
        <td class="nump">11<span></span></td>
        <td class="nump">4<span></span></td>
        <td class="nump">150<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract', window );"><strong>Average recorded investment in impaired loans and related interest income recognized</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">37<span></span></td>
        <td class="nump">3<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndOtherIncomeAbstract', window );"><strong>Interest income recognized:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Interest income recognized on a cash basis on impaired loans</a></td>
        <td class="nump">$ 3<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Average amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5212-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 17<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5258-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest income recognized on a cash-basis method of accounting that the financing receivables (with related allowance for credit losses and without a related allowance for credit losses) were impaired.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndOtherIncomeAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndOtherIncomeAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>23
<FILENAME>R124.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ESE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>PARENT COMPANY FINANCIAL INFORMATION (Narrative) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract', window );"><strong>PARENT COMPANY FINANCIAL INFORMATION [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1', window );">Restricted surplus and retained earnings</a></td>
        <td class="nump">$ 105,600<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of statutory capital and surplus computed using prescribed or permitted statutory accounting practice.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6486098&amp;loc=d3e24708-158529<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendPaymentsRestrictionsScheduleStatutoryCapitalAndSurplus1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>24
<FILENAME>R55.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EKH">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PARENT COMPANY FINANCIAL INFORMATION (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract', window );"><strong>PARENT COMPANY FINANCIAL INFORMATION [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock', window );">Balance Sheets</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> BALANCE SHEETS</h5> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> ASSETS<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Cash</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>100</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">100</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Short-term investments in money market funds</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6,561</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,085</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Investment securities available for sale</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>11,909</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 10,534</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Equity investment in banking subsidiary</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>99,250</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 99,121</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Equity investment in non-banking subsidiaries</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>5,321</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,017</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Guaranteed junior subordinated deferrable interest debenture issuance costs</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>224</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">240</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other assets</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>4,352</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,713</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> TOTAL ASSETS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>127,717</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 123,810</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> LIABILITIES<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Guaranteed junior subordinated deferrable interest debentures</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>13,085</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 13,085</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other liabilities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,325</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 257</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> TOTAL LIABILITIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>14,410</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 13,342</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> STOCKHOLDERS&#39; EQUITY<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total stockholders&#39; equity</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>113,307</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 110,468</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> TOTAL LIABILITIES AND STOCKHOLDERS&#39; EQUITY</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>127,717</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 123,810</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock', window );">Statements of Operations</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> STATEMENTS OF OPERATIONS</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> INCOME<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Inter-entity management and other fees</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,355</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,355</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,329</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Dividends from banking subsidiary</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>5,500</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8,000</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,500</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Dividends from non-banking subsidiaries</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>675</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">710</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">620</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest and dividend income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>243</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 306</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 415</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> TOTAL INCOME</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>8,773</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 11,371</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 5,864</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> EXPENSE<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,121</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,121</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,121</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Salaries and employee benefits</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,502</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,368</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,394</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,608</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,582</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,477</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> TOTAL EXPENSE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>5,231</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 5,071</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 4,992</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> INCOME BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,542</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,300</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">872</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Benefit for income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>895</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">819</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">764</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Equity in undistributed earnings of subsidiaries</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>756</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (2,080</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 4,901</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> NET INCOME</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>5,193</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 5,039</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 6,537</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> COMPREHENSIVE INCOME</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>4,697</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 3,320</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 7,739</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock', window );">Statements of Cash Flows</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> STATEMENTS OF CASH FLOWS</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> OPERATING ACTIVITIES<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>5,193</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,039</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,537</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Adjustment to reconcile net income to net cash provided by operating activities:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Equity in undistributed earnings of subsidiaries</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(756)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,080</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (4,901</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Stock compensation expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>82</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">38</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">15</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other&nbsp;-&nbsp;net</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(718)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (989</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (285</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> NET CASH PROVIDED BY OPERATING ACTIVITIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>3,801</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 6,168</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,366</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> INVESTING ACTIVITIES<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Purchase of investment securities&nbsp;-&nbsp;available for sale</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(3,885)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (2,077</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (3,049</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Proceeds from maturity of investment securities&nbsp;-&nbsp;available for sale</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>2,506</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,809</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 5,942</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> NET CASH (USED IN) PROVIDED BY INVESTING ACTIVITIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(1,379)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 732</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,893</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> FINANCING ACTIVITIES<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Purchase of treasury stock</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,171)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (4,417</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (582</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> TARP warrant repurchase</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (825</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Preferred stock dividends paid</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(209)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (828</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,054</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Common stock dividends paid</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(566)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> NET CASH USED IN FINANCING ACTIVITIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(1,946)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (5,245</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (2,461</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> NET INCREASE IN CASH AND CASH EQUIVALENTS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>476</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,655</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,798</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> CASH AND CASH EQUIVALENTS AT JANUARY 1</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>6,185</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 4,530</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,732</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> CASH AND CASH EQUIVALENTS AT DECEMBER 31</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>6,661</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 6,185</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,530</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of condensed balance sheet, including, but not limited to, balance sheets of consolidated entities and consolidation eliminations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of condensed cash flow statement, including, but not limited to, cash flow statements of consolidated entities and consolidation eliminations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of condensed income statement, including, but not limited to, income statements of consolidated entities and consolidation eliminations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>25
<FILENAME>R78.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E1GAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of Interest Income) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableAdditionalDisclosuresAbstract', window );"><strong>Schedule of Interest Income</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome', window );">Interest income due in accordance with original terms</a></td>
        <td class="nump">$ 178<span></span></td>
        <td class="nump">$ 231<span></span></td>
        <td class="nump">$ 376<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_InterestIncomeRecordedNonaccrualLoans', window );">Interest income recorded</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="num">(167)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NetReductionInInterestIncome', window );">Net reduction in interest income</a></td>
        <td class="nump">$ 178<span></span></td>
        <td class="nump">$ 231<span></span></td>
        <td class="nump">$ 209<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_InterestIncomeRecordedNonaccrualLoans">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income recorded for nonaccrual loans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_InterestIncomeRecordedNonaccrualLoans</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_NetReductionInInterestIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net reduction in interest income</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_NetReductionInInterestIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsReceivableAdditionalDisclosuresAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsReceivableAdditionalDisclosuresAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The gross interest income that would have been recorded in the period on troubled debt restructurings, if the loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination, if held for part of the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5212-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 40<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25495931&amp;loc=d3e18794-111554<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableImpairedTroubledDebtInterestIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>26
<FILENAME>R104.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EEOAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Weighted Average Assumptions Used to Determine Net Periodic Benefit Cost) (Details) (Pension Plans, Defined Benefit [Member])<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans, Defined Benefit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract', window );"><strong>WEIGHTED AVERAGE ASSUMPTIONS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate', window );">Discount rate</a></td>
        <td class="nump">4.00%<span></span></td>
        <td class="nump">4.75%<span></span></td>
        <td class="nump">5.25%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets', window );">Expected return on plan assets</a></td>
        <td class="nump">8.00%<span></span></td>
        <td class="nump">8.00%<span></span></td>
        <td class="nump">8.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease', window );">Rate of compensation increase</a></td>
        <td class="nump">2.50%<span></span></td>
        <td class="nump">2.50%<span></span></td>
        <td class="nump">2.50%<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The interest rate used to adjust for the time value of money.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (k)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>An assumption as to the rate of return on plan assets reflecting the average rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the benefit obligation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Glossary Expected Long-Term Rate of Return on Plan Assets<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6512013<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (k)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Expected rate of compensation increases (for pay-related plans).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (k)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>27
<FILENAME>R46.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E1AAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INCOME TAXES (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>INCOME TAXES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock', window );">Schedule of Expense for Income Taxes</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Current</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>139</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">140</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">95</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Deferred</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>2,150</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,101</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,758</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income tax expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>2,289</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,241</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,853</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock', window );">Schedule of Reconciliation Between Federal Statutory Tax Rate and Effective Income Tax Rate</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23">(IN THOUSANDS, EXCEPT PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income tax expense based on federal statutory rate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,544</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>34.0%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,475</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 34.0</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,193</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 34.0</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Tax exempt income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(359)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(4.8)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (315</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (4.3</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (325</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (3.5</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>104</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1.4</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 81</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1.1</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (15</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (0.1</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total expense for income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>2,289</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>30.6%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,241</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 30.8</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,853</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 30.4</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock', window );">Schedule of Deferred Tax Assets and Liabilities</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> DEFERRED TAX ASSETS:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Allowance for loan losses</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,437</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,274</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Unfunded commitment reserve</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>264</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">221</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Premises and equipment</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,832</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,626</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Accrued pension obligation</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,462</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,916</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Net operating loss carryforwards</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,307</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,883</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Alternative minimum tax credits</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,749</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,635</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Other</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>393</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 368</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 30pt; TEXT-INDENT: -10pt"> Total tax assets</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>10,444</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 13,923</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> DEFERRED TAX LIABILITIES:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Investment accretion</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(18)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(28</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Unrealized investment security gains</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(545)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (2,133</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Other</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(309)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (295</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 30pt; TEXT-INDENT: -10pt"> Total tax liabilities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(872)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (2,456</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net deferred tax asset</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>9,572</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 11,467</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfChangesInDeferredTaxesTableTextBlock', window );">Schedule of Change in Net Deferred Tax Assets and Liabilities</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Unrealized gains recognized in comprehensive income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,595</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">162</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Pension obligation of the defined benefit plan not yet recognized in income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,340)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">725</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Deferred provision for income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(2,150)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (2,101</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net decrease</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(1,895)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (1,214</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ScheduleOfChangesInDeferredTaxesTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule Of Changes In Deferred Taxes [Table Text Block].</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ScheduleOfChangesInDeferredTaxesTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>28
<FILENAME>R33.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_QuarterlyFinancialInformationDisclosureAbstract', window );"><strong>SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_QuarterlyFinancialInformationTextBlock', window );">SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 25.&nbsp;&nbsp;SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table sets forth certain unaudited quarterly consolidated financial data regarding the Company:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">2013 QUARTER ENDED</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">DEC. 31</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SEPT. 30</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">JUNE 30</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">MARCH 31</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS, EXCEPT PER SHARE DATA)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>10,203</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>9,811</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>9,627</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>9,702</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,605</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,611</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,606</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,660</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8,598</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8,200</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8,021</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8,042</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Provision (credit) for loan losses</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(1,000)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>150</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(250)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net interest income after provision (credit) for loan losses</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>9,598</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8,200</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>7,871</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8,292</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,867</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,986</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4,075</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,816</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>10,746</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>10,413</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>10,442</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>10,622</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income before income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,719</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,773</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,504</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,486</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Provision for income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>878</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>547</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>434</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>430</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,841</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,226</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,070</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,056</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Basic earnings per common share</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.10</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.06</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.05</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.05</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Diluted earnings per common share</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.09</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.06</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.05</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.05</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Cash dividends declared per common share</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.01</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.01</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.01</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">2012 QUARTER ENDED</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">DEC. 31</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SEPT. 30</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">JUNE 30</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">MARCH 31</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS, EXCEPT PER SHARE DATA)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9,878</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 10,030</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9,885</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 10,124</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,796</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,888</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,964</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,066</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8,082</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8,142</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,921</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8,058</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Provision (credit) for loan losses</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 550</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (200</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (500</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (625</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net interest income after provision (credit) for loan losses</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,532</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8,342</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8,421</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8,683</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,887</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,649</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,733</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,674</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 10,373</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 10,087</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 10,067</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 10,114</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income before income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,046</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,904</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,087</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,243</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Provision for income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 311</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 597</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 655</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 678</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 735</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,307</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,432</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,565</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Basic earnings per common share</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.04</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.05</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.06</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.06</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Diluted earnings per common share</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.04</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.05</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.06</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.06</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Cash dividends declared per common share</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_QuarterlyFinancialInformationDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_QuarterlyFinancialInformationDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_QuarterlyFinancialInformationTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for the quarterly financial data in the annual financial statements.  The disclosure may include a tabular presentation of financial information for each fiscal quarter for the current and previous year, including revenues, gross profit, income or loss before extraordinary items and earnings per share data. It also includes an indication if the information in the note is unaudited, comments on the aggregate effect of year-end adjustments, and an explanation of matters or transactions that affect comparability or are pertinent to an understanding of the information furnished.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 270<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6372559&amp;loc=d3e765-108305<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 270<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6372559&amp;loc=d3e725-108305<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 270<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)-(j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25249566&amp;loc=d3e1280-108306<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section G<br><br> -Subsection 1<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-K (SK)<br><br> -Number 229<br><br> -Section 302<br><br> -Paragraph a<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_QuarterlyFinancialInformationTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>29
<FILENAME>R79.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EDHAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Narrative) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
        <th class="th" colspan="1"></th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract', window );"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays', window );">Aggregate of multiple consecutive maturity date extensions delay in payment, days</a></td>
        <td class="text">120 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_BorrowersAggregateExposureForLoanModificationMinimum', window );">Borrowers aggregate exposure for loan modification minimum</a></td>
        <td class="nump">$ 250<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus', window );">Timely payments on contract terms for minimum consecutive months prior to consideration for removing loan from TDR status</a></td>
        <td class="text">6 months<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus', window );">Minimum consecutive months payment for removing the loan from non-accrual status</a></td>
        <td class="text">6 months<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings', window );">ALL reserve for loans modified as TDR's</a></td>
        <td class="nump">$ 344<span></span></td>
        <td class="nump">$ 1,500<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate of multiple consecutive maturity date extensions delay in payment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AggregateOfMultipleConsecutiveMaturityDateExtensionsDelayInPaymentDays</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The specific ALL reserve for loans modified as TDR's.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AllowanceForLoanLossesReserveForLoansModifiedAsTroubledDebtRestructurings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_BorrowersAggregateExposureForLoanModificationMinimum">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Borrowers aggregate exposure for loan modification minimum.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_BorrowersAggregateExposureForLoanModificationMinimum</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Minimum number of consecutive months payment for removing the loan from non-accrual status.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_MinimumNumberOfConsecutiveMonthsPaymentForRemovingLoanFromNonaccrualStatus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Timely payments on contract terms for minimum consecutive months prior to consideration for removing loan from TDR status.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_TimelyPaymentsOnContractTermsForMinimumConsecutiveMonthsPriorToConsiderationForRemovingLoanFromTdrStatus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>30
<FILENAME>R118.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EBTAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>DERIVATIVE HEDGING INSTRUMENTS (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_MaximumNotionalAmountOfDerivativesOutstanding', window );">Maximum notional amount outstanding permitted</a></td>
        <td class="nump">$ 500,000,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Interest Rate Swap [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1', window );">Increase (decrease) in interest expense</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Interest Rate Swap One [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInceptionDates', window );">Start date</a></td>
        <td class="text">Dec. 12,
				 2008<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeMaturityDates', window );">Maturity date</a></td>
        <td class="text">Sep. 24,
				 2013<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_DerivativeNotionalAmount', window );">Notional amount</a></td>
        <td class="nump">9,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeVariableInterestRate', window );">Variable interest rate</a></td>
        <td class="nump">5.25%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFixedInterestRate', window );">Fixed interest rate</a></td>
        <td class="nump">2.73%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1', window );">Increase (decrease) in interest expense</a></td>
        <td class="nump">165,488<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Interest Rate Swap Two [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLineItems', window );"><strong>Derivative [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInceptionDates', window );">Start date</a></td>
        <td class="text">Dec. 12,
				 2008<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeMaturityDates', window );">Maturity date</a></td>
        <td class="text">Sep. 24,
				 2013<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_DerivativeNotionalAmount', window );">Notional amount</a></td>
        <td class="nump">9,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeVariableInterestRate', window );">Variable interest rate</a></td>
        <td class="nump">2.73%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeFixedInterestRate', window );">Fixed interest rate</a></td>
        <td class="nump">5.25%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1', window );">Increase (decrease) in interest expense</a></td>
        <td class="num">$ (165,488)<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_MaximumNotionalAmountOfDerivativesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Maximum Notional Amount Of Derivatives Outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_MaximumNotionalAmountOfDerivativesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_invest_DerivativeNotionalAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate notional amount specified by the derivative(s). Expressed as an absolute value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 12<br><br> -Section 13<br><br> -Sentence Column B<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>invest_DerivativeNotionalAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>invest_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeFixedInterestRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fixed interest rate related to the interest rate derivative.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeFixedInterestRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInceptionDates">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Date the entity entered into the derivative contract, in CCYY-MM-DD format.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeInceptionDates</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:dateItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeMaturityDates">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Date the derivative contract matures, in CCYY-MM-DD format.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeMaturityDates</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:dateItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeVariableInterestRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Variable interest rate in effect as of the balance sheet date related to the interest rate derivative.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeVariableInterestRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of unrealized gain (loss) included in earnings related to the fair value of the hedged item in an interest rate fair value hedge, offset by the gain (loss) on the hedging instrument to the extent that the fair value hedge is determined to be effective.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4A<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5618551-113959<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4C<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624171-113959<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInFairValueOfHedgedItemInInterestRateFairValueHedge1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>31
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	word-wrap: break-word;
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>32
<FILENAME>R73.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EUCBG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Classes of Loan Portfolio by Aging Categories) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump">$ 783,346<span></span></td>
        <td class="nump">$ 721,165<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump">120,102<span></span></td>
        <td class="nump">102,775<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 Days Past Due</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 Days Past Due</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">47<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 Days Past Due</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">47<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump">120,102<span></span></td>
        <td class="nump">102,822<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 Days Past Due and Still Accruing</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial loans secured by real estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump">410,619<span></span></td>
        <td class="nump">379,834<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 Days Past Due</a></td>
        <td class="nump">457<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 Days Past Due</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">2,545<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 Days Past Due</a></td>
        <td class="nump">615<span></span></td>
        <td class="nump">960<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
        <td class="nump">1,072<span></span></td>
        <td class="nump">3,505<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump">411,691<span></span></td>
        <td class="nump">383,339<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 Days Past Due and Still Accruing</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Real estate-mortgage [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump">231,740<span></span></td>
        <td class="nump">213,300<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 Days Past Due</a></td>
        <td class="nump">2,232<span></span></td>
        <td class="nump">3,240<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 Days Past Due</a></td>
        <td class="nump">670<span></span></td>
        <td class="nump">303<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 Days Past Due</a></td>
        <td class="nump">1,047<span></span></td>
        <td class="nump">741<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
        <td class="nump">3,949<span></span></td>
        <td class="nump">4,284<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump">235,689<span></span></td>
        <td class="nump">217,584<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 Days Past Due and Still Accruing</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump">15,804<span></span></td>
        <td class="nump">17,371<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue', window );">30-59 Days Past Due</a></td>
        <td class="nump">33<span></span></td>
        <td class="nump">16<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue', window );">60-89 Days Past Due</a></td>
        <td class="nump">27<span></span></td>
        <td class="nump">33<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 Days Past Due</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">Total Past Due</a></td>
        <td class="nump">60<span></span></td>
        <td class="nump">49<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump">15,864<span></span></td>
        <td class="nump">17,420<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 Days Past Due and Still Accruing</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are less than 60 days past due but more than 29 days past due.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are less than 90 days past due but more than 59 days past due.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Recorded investment in financing receivables that are 90 days or more past due and still accruing.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5111-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are current.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestmentCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are equal to or greater than 90 days past due.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Recorded Investment in financing receivables that are past due at the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestmentPastDue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5074-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>33
<FILENAME>R89.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EHAAI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Schedule of Assets Measured at Fair Value on Non-Recurring Basis) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Carrying value of impaired loans</a></td>
        <td class="nump">$ 3,066<span></span></td>
        <td class="nump">$ 4,806<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Nonrecurring Basis [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedOtherAtFairValue', window );">Other real estate owned</a></td>
        <td class="nump">1,017<span></span></td>
        <td class="nump">1,228<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Carrying value of impaired loans</a></td>
        <td class="nump">2,253<span></span></td>
        <td class="nump">3,220<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Nonrecurring Basis [Member] | Impaired Loans [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueLiquidationExpenses', window );">Liquidation Expense</a></td>
        <td class="nump">10.00%<span></span></td>
        <td class="nump">10.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueAppraisalOfAdjustments', window );">Appraisal of Adjustment</a></td>
        <td class="nump">30.00%<span></span></td>
        <td class="nump">20.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Nonrecurring Basis [Member] | Other Real Estate Owned [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueLiquidationExpenses', window );">Liquidation Expense</a></td>
        <td class="nump">10.00%<span></span></td>
        <td class="nump">10.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueAppraisalOfAdjustments', window );">Appraisal of Adjustment</a></td>
        <td class="nump">38.00%<span></span></td>
        <td class="nump">15.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Nonrecurring Basis [Member] | Minimum [Member] | Impaired Loans [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueLiquidationExpenses', window );">Liquidation Expense</a></td>
        <td class="nump">1.00%<span></span></td>
        <td class="nump">1.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueAppraisalOfAdjustments', window );">Appraisal of Adjustment</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="nump">1.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Nonrecurring Basis [Member] | Minimum [Member] | Other Real Estate Owned [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueLiquidationExpenses', window );">Liquidation Expense</a></td>
        <td class="nump">1.00%<span></span></td>
        <td class="nump">1.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueAppraisalOfAdjustments', window );">Appraisal of Adjustment</a></td>
        <td class="nump">31.00%<span></span></td>
        <td class="nump">1.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Nonrecurring Basis [Member] | Maximum [Member] | Impaired Loans [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueLiquidationExpenses', window );">Liquidation Expense</a></td>
        <td class="nump">15.00%<span></span></td>
        <td class="nump">15.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueAppraisalOfAdjustments', window );">Appraisal of Adjustment</a></td>
        <td class="nump">37.00%<span></span></td>
        <td class="nump">35.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Nonrecurring Basis [Member] | Maximum [Member] | Other Real Estate Owned [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueLiquidationExpenses', window );">Liquidation Expense</a></td>
        <td class="nump">20.00%<span></span></td>
        <td class="nump">20.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FairValueAppraisalOfAdjustments', window );">Appraisal of Adjustment</a></td>
        <td class="nump">48.00%<span></span></td>
        <td class="nump">20.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Nonrecurring Basis [Member] | Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedOtherAtFairValue', window );">Other real estate owned</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Carrying value of impaired loans</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Nonrecurring Basis [Member] | Level 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedOtherAtFairValue', window );">Other real estate owned</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Carrying value of impaired loans</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Nonrecurring Basis [Member] | Level 3 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedOtherAtFairValue', window );">Other real estate owned</a></td>
        <td class="nump">1,017<span></span></td>
        <td class="nump">1,228<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Carrying value of impaired loans</a></td>
        <td class="nump">$ 2,253<span></span></td>
        <td class="nump">$ 3,220<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FairValueAppraisalOfAdjustments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value appraisal of adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_FairValueAppraisalOfAdjustments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FairValueLiquidationExpenses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value liquidation expenses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_FairValueLiquidationExpenses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentsOwnedOtherAtFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The fair value as of the balance sheet date of firm holdings in other positions not elsewhere specified in the taxonomy. Includes both pledged (to counterparties as collateral for financing transactions) and unpledged holdings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 940<br><br> -SubTopic 320<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29643736&amp;loc=d3e42546-110969<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancialInstrumentsOwnedOtherAtFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 14A<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953550-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableRecordedInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>34
<FILENAME>R57.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ENDAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Narrative) (Details) (USD $)<br>In Thousands, except Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract', window );"><strong>BUSINESS AND NATURE OF OPERATIONS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NumberOfStores', window );">Number of locations</a></td>
        <td class="nump">18<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NumberOfCountiesInWhichEntityOperates', window );">Number of counties</a></td>
        <td class="nump">5<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsHeldInTrust', window );">Trust and financial services and administers assets</a></td>
        <td class="nump">$ 1,700,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract', window );"><strong>FEDERAL HOME LOAN BANK STOCK:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FederalHomeLoanBankStockParValue', window );">Par value</a></td>
        <td class="nump">$ 100<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReceivablesAbstract', window );"><strong>LOANS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable', window );">Threshold for discontinuing accrual of interest income</a></td>
        <td class="text">90 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment', window );">Threshold for individually evaluating loans</a></td>
        <td class="nump">250<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems', window );"><strong>EARNINGS PER COMMON SHARE:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount', window );">Shares not included in computation of earnings per common share</a></td>
        <td class="nump">103,570<span></span></td>
        <td class="nump">49,842<span></span></td>
        <td class="nump">185,917<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Exercisable at end of year</a></td>
        <td class="nump">$ 2.25<span></span></td>
        <td class="nump">$ 2.29<span></span></td>
        <td class="nump">$ 3.81<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RepurchaseOfWarrantsShares', window );">Warrants repurchased, shares</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,312,500<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>STOCK-BASED COMPENSATION:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllocatedShareBasedCompensationExpense', window );">Pretax compensation expense</a></td>
        <td class="nump">82<span></span></td>
        <td class="nump">38<span></span></td>
        <td class="nump">15<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SupplementalCashFlowInformationAbstract', window );"><strong>CONSOLIDATED STATEMENT OF CASH FLOWS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxesPaid', window );">Income tax payments</a></td>
        <td class="nump">137<span></span></td>
        <td class="nump">142<span></span></td>
        <td class="nump">97<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransferOfOtherRealEstate', window );">Non-cash transfers to other real estate owned</a></td>
        <td class="nump">766<span></span></td>
        <td class="nump">1,266<span></span></td>
        <td class="nump">169<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestPaid', window );">Total interest payments</a></td>
        <td class="nump">6,781<span></span></td>
        <td class="nump">8,154<span></span></td>
        <td class="nump">10,699<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Minimum [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems', window );"><strong>EARNINGS PER COMMON SHARE:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Exercisable at end of year</a></td>
        <td class="nump">$ 3.05<span></span></td>
        <td class="nump">$ 2.80<span></span></td>
        <td class="nump">$ 2.07<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Maximum [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems', window );"><strong>EARNINGS PER COMMON SHARE:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Exercisable at end of year</a></td>
        <td class="nump">$ 5.75<span></span></td>
        <td class="nump">$ 5.75<span></span></td>
        <td class="nump">$ 6.10<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment', window );">Threshold for individually evaluating loans</a></td>
        <td class="nump">250<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Small Business Loans [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment', window );">Threshold for collectively evaluating loans</a></td>
        <td class="nump">$ 250<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Buildings [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>PREMISES AND EQUIPMENT:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Useful life</a></td>
        <td class="text">30 years<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Equipment [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>PREMISES AND EQUIPMENT:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Useful life</a></td>
        <td class="text">10 years<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FederalHomeLoanBankStockParValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The par value of Federal Home Loan Bank Stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_FederalHomeLoanBankStockParValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing Receivable, Allowance For Credit Losses, Threshold For Collectively Evaluating Of Impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_FinancingReceivableAllowanceForCreditLossesThresholdForCollecitvelyEvaluatingOfImpairment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing Receivable, Allowance For Credit Losses, Threshold For Individually Evaluating Of Impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_FinancingReceivableAllowanceForCreditLossesThresholdForIndividuallyEvaluatingOfImpairment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_NumberOfCountiesInWhichEntityOperates">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of counties in which the entity operates as of balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_NumberOfCountiesInWhichEntityOperates</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_RepurchaseOfWarrantsShares">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Repurchase Of Warrants, Shares.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_RepurchaseOfWarrantsShares</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Threshold period past due for financing receivable to write off as uncollectible, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ThresholdPeriodPastDueForWriteOffOfFinancingReceivable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllocatedShareBasedCompensationExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the expense recognized during the period arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 14.F)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27013229&amp;loc=d3e301413-122809<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (h)(1)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 14<br><br> -Section F<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllocatedShareBasedCompensationExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) or earnings per unit (EPU) in the future that were not included in the computation of diluted EPS or EPU because to do so would increase EPS or EPU amounts or decrease loss per share or unit amounts for the period presented.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Antidilution<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6505113<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Diluted Earnings Per Share<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510752<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Contingent Stock Agreement<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6508534<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsHeldInTrust">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of cash and securities held by third party trustees pursuant to terms of debt instruments or other agreements as of the date of each statement of financial position presented, which can be used by the trustee only to pay the noncurrent portion of specified obligations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AssetsHeldInTrust</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxesPaid">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4297-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3536-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxesPaid</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestPaid">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash paid for interest during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4297-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3536-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestPaid</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NumberOfStores">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the number of stores.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NumberOfStores</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PropertyPlantAndEquipmentLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentUsefulLife">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Useful life of long lived, physical assets used in the normal conduct of business and not intended for resale, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Examples include, but not limited to, land, buildings, machinery and equipment, office equipment, furniture and fixtures, and computer equipment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PropertyPlantAndEquipmentUsefulLife</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReceivablesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ReceivablesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted-average price as of the balance sheet date at which grantees can acquire the shares reserved for issuance on vested portions of options outstanding and currently exercisable under the stock option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SupplementalCashFlowInformationAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SupplementalCashFlowInformationAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TransferOfOtherRealEstate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value transferred out of real estate owned (REO) in noncash transactions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4332-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4313-108586<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TransferOfOtherRealEstate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>35
<FILENAME>R109.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EWQAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>COMMITMENTS AND CONTINGENT LIABILITIES (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="2">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013

</div>
          <div>Commitments To Extend Credit [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012

</div>
          <div>Commitments To Extend Credit [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013

</div>
          <div>Standby Letters Of Credit [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012

</div>
          <div>Standby Letters Of Credit [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013

</div>
          <div>Standby Letters Of Credit [Member]

</div>
          <div>Minimum [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013

</div>
          <div>Standby Letters Of Credit [Member]

</div>
          <div>Maximum [Member]</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingenciesLineItems', window );"><strong>Loss Contingencies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingencyRangeOfPossibleLossMaximum', window );">Amount of commitment</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 146,008<span></span></td>
        <td class="nump">$ 132,804<span></span></td>
        <td class="nump">$ 13,229<span></span></td>
        <td class="nump">$ 11,365<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LossContingencyTermOfCommitment', window );">Term of commitment</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">1 year<span></span></td>
        <td class="text">2 years<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCollateralForSecuredBorrowings', window );">Amount of commitments secured</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,900<span></span></td>
        <td class="nump">4,200<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability', window );">Carrying value of commitment</a></td>
        <td class="nump">$ 776<span></span></td>
        <td class="nump">$ 648<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_LossContingencyTermOfCommitment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Loss ontingency, Term Of Commitment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_LossContingencyTermOfCommitment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The face amount of financial liabilities, which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueDisclosureOffbalanceSheetRisksFaceAmountLiability</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableCollateralForSecuredBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate value of loans, trade receivables, securities and financial instruments that serve as collateral for obligations arising from a transfer of financial assets recorded as a secured borrowing.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5086-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7523297&amp;loc=SL6224234-111729<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableCollateralForSecuredBorrowings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LossContingenciesLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LossContingenciesLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LossContingencyRangeOfPossibleLossMaximum">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The estimated maximum amount of possible loss from the contingency.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25496072&amp;loc=d3e14435-108349<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25496072&amp;loc=d3e14557-108349<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LossContingencyRangeOfPossibleLossMaximum</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>36
<FILENAME>R76.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EZEAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of TDRs) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Loans in accrual status [Member] | Commercial loans secured by real estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract', window );"><strong>Schedule of TDRs</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Number of loans</a></td>
        <td class="nump">2<span></span></td>
        <td class="nump">2<span></span></td>
        <td class="nump">5<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Current Balance</a></td>
        <td class="nump">$ 161<span></span></td>
        <td class="nump">$ 169<span></span></td>
        <td class="nump">$ 2,870<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1', window );">Concession Granted</a></td>
        <td class="text">Extension of maturity date<span></span></td>
        <td class="text">Extension of maturity date<span></span></td>
        <td class="text">Extension of maturity date<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Loans in accrual status [Member] | Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract', window );"><strong>Schedule of TDRs</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Number of loans</a></td>
        <td class="nump">2<span></span></td>
        <td class="nump">1<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Current Balance</a></td>
        <td class="nump">61<span></span></td>
        <td class="nump">13<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1', window );">Concession Granted</a></td>
        <td class="text">Extension of maturity date<span></span></td>
        <td class="text">Extension of maturity date<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Loans in non-accrual status [Member] | Commercial loans secured by real estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract', window );"><strong>Schedule of TDRs</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Number of loans</a></td>
        <td class="nump">2<span></span></td>
        <td class="nump">4<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Current Balance</a></td>
        <td class="nump">$ 1,250<span></span></td>
        <td class="nump">$ 3,772<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1', window );">Concession Granted</a></td>
        <td class="text">Extension of maturity date<span></span></td>
        <td class="text">Extension of maturity date<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_TroubleDebtRestructuringForNonPerformingAssetsGrantedAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Description of how troubled debt restructurings that occurred during the period are factored into the determination of the allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953676-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableModificationsDeterminationOfAllowanceForCreditLosses1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of financing receivables that have been modified by troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953676-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableModificationsNumberOfContracts2</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Post-modification amount of investment in financing receivables modified by troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953676-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>37
<FILENAME>R86.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ETLAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Schedule of Balances and Advances) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract', window );"><strong>FEDERAL HOME LOAN BANK STOCK:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate', window );">Overnight</a></td>
        <td class="nump">0.25%<span></span></td>
        <td class="nump">0.25%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate', window );">2015</a></td>
        <td class="nump">0.52%<span></span></td>
        <td class="nump">0.52%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate', window );">2016</a></td>
        <td class="nump">0.81%<span></span></td>
        <td class="nump">0.74%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate', window );">2017</a></td>
        <td class="nump">1.07%<span></span></td>
        <td class="nump">0.92%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate', window );">2018</a></td>
        <td class="nump">1.47%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate', window );">Total advances</a></td>
        <td class="nump">0.89%<span></span></td>
        <td class="nump">0.73%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd', window );">Total FHLB borrowings</a></td>
        <td class="nump">0.49%<span></span></td>
        <td class="nump">0.47%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAbstract', window );"><strong>BALANCE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernight', window );">Overnight</a></td>
        <td class="nump">$ 41,555<span></span></td>
        <td class="nump">$ 15,660<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate', window );">2015</a></td>
        <td class="nump">4,000<span></span></td>
        <td class="nump">4,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate', window );">2016</a></td>
        <td class="nump">12,000<span></span></td>
        <td class="nump">5,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate', window );">2017</a></td>
        <td class="nump">7,000<span></span></td>
        <td class="nump">4,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate', window );">2018</a></td>
        <td class="nump">2,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm', window );">Total advances</a></td>
        <td class="nump">25,000<span></span></td>
        <td class="nump">13,000<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanks', window );">Total FHLB borrowings</a></td>
        <td class="nump">$ 66,555<span></span></td>
        <td class="nump">$ 28,660<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernight">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Borrowings And Advances From FHLB Maturing Overnight.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernight</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Borrowings And Advances From FHLB Maturing Overnight Weighted Average Interest Rate.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_BorrowingsAndAdvancesFromFhlbMaturingOvernightWeightedAverageInterestRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdvancesFromFederalHomeLoanBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of borrowings as of the balance sheet date from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and liquidity shortages.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdvancesFromFederalHomeLoanBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesActivityForYearAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The calculated weighted average interest rate for Federal Home Loan Bank advances outstanding as of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(3)(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Describes the weighted average interest rate applicable to the specific advances from the Federal Home Loan Bank, by branch, as of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64711-112823<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankWeightedAverageInterestRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including both current and noncurrent portions, Federal Home Loan Bank borrowings initially due beyond one year or beyond the normal operating cycle if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 16<br><br> -Article 9<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64702-112823<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesLongTerm</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average interest rate applicable to the Federal Home Loan Bank advances which are due after five years of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(3)(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average interest rate applicable to the Federal Home Loan Bank advances which are due from four to five years of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(3)(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average interest rate applicable to the Federal Home Loan Bank advances which are due from three to four years of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section VII<br><br> -Paragraph 3<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average interest rate applicable to the Federal Home Loan Bank advances which are due from two to three years of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(3)(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of federal home loan bank advances maturing after the fifth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of federal home loan bank advances maturing in the fifth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of federal home loan bank advances maturing in the fourth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of federal home loan bank advances maturing in the third fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>38
<FILENAME>R81.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EALAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DEPOSITS (Schedule of Balances of Deposits) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract', window );"><strong>Demand:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestBearingDomesticDepositDemand', window );">Non-interest bearing</a></td>
        <td class="nump">$ 154,002<span></span></td>
        <td class="nump">$ 156,223<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositDemand', window );">Interest bearing</a></td>
        <td class="nump">84,926<span></span></td>
        <td class="nump">61,774<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsSavingsDeposits', window );">Savings</a></td>
        <td class="nump">87,655<span></span></td>
        <td class="nump">86,135<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsMoneyMarketDeposits', window );">Money market</a></td>
        <td class="nump">219,801<span></span></td>
        <td class="nump">215,870<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits100000OrMore', window );">Certificates of deposit in denominations of $100,000 or more</a></td>
        <td class="nump">47,287<span></span></td>
        <td class="nump">35,339<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsLessThan100000', window );">Other time</a></td>
        <td class="nump">260,851<span></span></td>
        <td class="nump">280,393<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
        <td class="nump">$ 854,522<span></span></td>
        <td class="nump">$ 835,734<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Deposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsInterestBearingAndNoninterestBearingAlternativeAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsMoneyMarketDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsMoneyMarketDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsSavingsDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsSavingsDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDomesticDepositDemand">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of money in interest-bearing domestic accounts that entitle the depositor to withdraw funds at any time without prior notice, also known as demand deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestBearingDomesticDepositDemand</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestBearingDomesticDepositDemand">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of money in noninterest-bearing domestic accounts that entitle the depositor to withdraw funds at any time without prior notice, also known as demand deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestBearingDomesticDepositDemand</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits100000OrMore">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph A<br><br> -Subparagraph 4<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDeposits100000OrMore</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositsLessThan100000">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of domestic or foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) that total to less than $100,000.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositsLessThan100000</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>39
<FILENAME>R87.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EVYAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Narrative) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013

</div>
          <div>Guaranteed Junior Subordinated Deferrable Interest Debentures [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2005

</div>
          <div>Guaranteed Junior Subordinated Deferrable Interest Debentures [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2004

</div>
          <div>Guaranteed Junior Subordinated Deferrable Interest Debentures [Member]</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtAbstract', window );"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds', window );">Overnight borrowing capability at the FHLB</a></td>
        <td class="nump">$ 318,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable', window );">Unsecured federal funds lines with correspondent banks</a></td>
        <td class="nump">81,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Debt instrument, principal amount</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">34,500<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest rate</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">8.45%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentMaturityDate', window );">Maturity date</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">Jun. 30,
				 2028<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentCallDateEarliest', window );">Earliest redemption date</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">Jun. 30,
				 2003<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredFinanceCostsNet', window );">Unamortized deferred issuance costs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">224<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarlyRepaymentOfSubordinatedDebt', window );">Early redemption of debt</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">22,500<span></span></td>
        <td class="nump">22,500<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedNotes', window );">Guaranteed junior subordinated deferrable interest debentures</a></td>
        <td class="nump">$ 13,085<span></span></td>
        <td class="nump">$ 13,085<span></span></td>
        <td class="nump">$ 13,100<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentCallDateEarliest">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Earliest date before maturity when the issuer can call the outstanding debt instrument for repayment or conversion to equity, in CCYY-MM-DD format.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21475-112644<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64711-112823<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtInstrumentCallDateEarliest</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:dateItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentFaceAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Face (par) amount of debt instrument at time of issuance.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6451184&amp;loc=d3e28551-108399<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 30<br><br> -Section 55<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584090&amp;loc=d3e28878-108400<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtInstrumentFaceAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentInterestRateStatedPercentage">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Contractual interest rate for funds borrowed, under the debt agreement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22(a)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtInstrumentInterestRateStatedPercentage</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtInstrumentLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentMaturityDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Date when the debt instrument is scheduled to be fully repaid, in CCYY-MM-DD format.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22(a)(2))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtInstrumentMaturityDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:dateItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredFinanceCostsNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, the carrying amount (net of accumulated amortization) as of the balance sheet date of capitalized costs associated with the issuance of debt instruments (for example, legal, accounting, underwriting, printing, and registration costs) that will be charged against earnings over the life of the debt instruments to which such costs pertain.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6451184&amp;loc=d3e28555-108399<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.17)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 17<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredFinanceCostsNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarlyRepaymentOfSubordinatedDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow from the repayment of long-term borrowing where a lender is placed in a lien position behind debt having a higher priority of repayment (senior) in case of liquidation of the entity's assets before its maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarlyRepaymentOfSubordinatedDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of advances or credit lines available from the Federal Home Loan Bank (FHLB).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(3)(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22 (b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13<br><br> -Subparagraph 3(a)<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of maximum advances or credit lines available from the Federal Home Loan Bank (FHLB).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Subparagraph b<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(3)(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22 (b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13<br><br> -Subparagraph 3(a)<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_JuniorSubordinatedNotes">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including the current and noncurrent portions, carrying value as of the balance sheet date of long-term debt (with maturities initially due after one year or beyond the operating cycle if longer) identified as Junior Subordinated Notes, which have a lower priority than senior instruments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.16(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 20, 22<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13, 16<br><br> -Article 9<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX210.5-02.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_JuniorSubordinatedNotes</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebtAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LongTermDebtAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>40
<FILENAME>R77.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EGOAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of Recorded Investment of Defaults) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RecordedInvestmentOfDefaults', window );"><strong>Recorded investment of defaults</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_CommercialLoanReceivableModificationsRecordedInvestment', window );">Recorded investment default, total</a></td>
        <td class="nump">$ 1,480<span></span></td>
        <td class="nump">$ 595<span></span></td>
        <td class="nump">$ 1,312<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial loan secured by real estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RecordedInvestmentOfDefaults', window );"><strong>Recorded investment of defaults</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_CommercialLoanReceivableModificationsRecordedInvestment', window );">Recorded investment default, total</a></td>
        <td class="nump">$ 1,480<span></span></td>
        <td class="nump">$ 595<span></span></td>
        <td class="nump">$ 1,312<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_CommercialLoanReceivableModificationsRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Commercial loan receivable modifications, recorded investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_CommercialLoanReceivableModificationsRecordedInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_RecordedInvestmentOfDefaults">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_RecordedInvestmentOfDefaults</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>41
<FILENAME>R71.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E4LAI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Loan Portfolio Summarized by Categories) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump">$ 531,793<span></span></td>
        <td class="nump">$ 486,161<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump">120,102<span></span></td>
        <td class="nump">102,822<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial loans secured by real estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump">411,691<span></span></td>
        <td class="nump">383,339<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pass [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump">505,411<span></span></td>
        <td class="nump">443,771<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pass [Member] | Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump">108,623<span></span></td>
        <td class="nump">99,886<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pass [Member] | Commercial loans secured by real estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump">396,788<span></span></td>
        <td class="nump">343,885<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Special Mention [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump">15,841<span></span></td>
        <td class="nump">20,864<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Special Mention [Member] | Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump">8,880<span></span></td>
        <td class="nump">28<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Special Mention [Member] | Commercial loans secured by real estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump">6,961<span></span></td>
        <td class="nump">20,836<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Substandard [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump">10,081<span></span></td>
        <td class="nump">19,918<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Substandard [Member] | Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump">2,599<span></span></td>
        <td class="nump">2,908<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Substandard [Member] | Commercial loans secured by real estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump">7,482<span></span></td>
        <td class="nump">17,010<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Doubtful [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump">460<span></span></td>
        <td class="nump">1,608<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Doubtful [Member] | Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Doubtful [Member] | Commercial loans secured by real estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableCommercialRealEstateAbstract', window );"><strong>Loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Loan portfolio</a></td>
        <td class="nump">$ 460<span></span></td>
        <td class="nump">$ 1,608<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableCommercial">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allowance of commercial loans and leases receivable includes, but not limited to, commercial and industrial loans, agricultural loans, mortgage loans, promissory notes, interbank and other loans to financial institutions, draws against credit facilities, trade financing, lease financings. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph a, b<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(a),(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableCommercial</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableCommercialRealEstateAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansReceivableCommercialRealEstateAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>42
<FILENAME>R25.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PREFERRED STOCK<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract', window );"><strong>PREFERRED STOCK [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockTextBlock', window );">PREFERRED STOCK</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 17.&nbsp;&nbsp;PREFERRED STOCK</h2> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> SBLF:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> On August 11, 2011, pursuant to the Small Business Lending Fund (SBLF), the Company issued and sold to the US Treasury 21,000 shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series E (Series E Preferred Stock) for the aggregate proceeds of $21 million. The SBLF is a voluntary program sponsored by the US Treasury that encourages small business lending by providing capital to qualified community banks at favorable rates. The initial interest rate on the Series E Preferred Stock has been initially set at 5% per annum and may be decreased to as low as 1% per annum if growth thresholds are met for qualified outstanding small business loans. The Company used the proceeds from the Series E Preferred Stock issued to the US Treasury to repurchase all 21,000 shares of its outstanding preferred shares previously issued to the US Treasury under the TARP Capital Purchase Program.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Series E Preferred Stock has an aggregate liquidation preference of approximately $21 million and qualifies as Tier 1 Capital for regulatory purposes. The terms of the Series E Preferred Stock provide for the payment of non-cumulative dividends on a quarterly basis. The dividend rate, as a percentage of the liquidation amount, may fluctuate while the Series E Preferred Stock is outstanding based upon changes in the level of "qualified small business lending" ("QSBL") by the Bank from its average level of QSBL at each of the four quarter ends leading up to June 30, 2010 (the "Baseline") as follows:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-top; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="384"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td>&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">DIVIDEND PERIOD ANNUALIZED</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center" rowspan="2"><!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" rowspan="2">ANNUALIZED<br /> DIVIDEND RATE</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal"> BEGINNING</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal"> ENDING</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="TEXT-ALIGN: center">August 11, 2011</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">December 31, 2011</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">5.0%</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="TEXT-ALIGN: center">January 1, 2012</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">December 31, 2013</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">1.0% to 5.0%</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="TEXT-ALIGN: center">January 1, 2014</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">February 7, 2016</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">1.0% to 7.0%<sup>(1)</sup></td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="TEXT-ALIGN: center">February 8, 2016</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">Redemption</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">9.0%<sup>(2)</sup></td> </tr> </table> </div> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 1px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">(1)</td> <td style="TEXT-ALIGN: left">Between January 1, 2014 and February 7, 2016, the dividend rate will be fixed at a rate in such range based upon the level of percentage change in QSBL between September 30, 2013 and the Baseline.</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 1px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">(2)</td> <td style="TEXT-ALIGN: left">Beginning on February 8, 2016, the dividend rate will be fixed at nine percent (9%) per annum.</td> </tr> </table> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> In addition to the applicable dividend rates described above, beginning on January 1, 2014 and on all dividend payment dates thereafter ending on April 1, 2016, if we fail to increase our level of QSBL compared to the Baseline, we will be required to pay a quarterly lending incentive fee of 0.5% of the liquidation value. As of September 30, 2013, the Company had increased its QSBL to a level that reduced the dividend rate to 1%. Accordingly, this 1% rate will continue through February 7, 2016.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> As long as shares of Series E Preferred Stock remain outstanding, we may not pay dividends to our common shareholders (nor may we repurchase or redeem any shares of our common stock) during any quarter in which we fail to declare and pay dividends on the Series E Preferred Stock and for the next three quarters following such failure. In addition, under the terms of the Series E Preferred Stock, we may only declare and pay dividends on our common stock (or repurchase shares of our common stock), if, after payment of such dividend, the dollar amount of our Tier 1 capital would be at least ninety percent (90%) of Tier 1 capital as of June 30, 2011, excluding any charge-offs and redemptions of the Series E Preferred Stock (the "Tier 1 Dividend Threshold"). The Tier 1 Dividend Threshold is subject to reduction, beginning January 1, 2014, based upon the extent by which, if at all, the QSBL at September 30, 2013 has increased over the Baseline.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> We may redeem the Series E Preferred Stock at any time at our option, at a redemption price of 100% of the liquidation amount plus accrued but unpaid dividends, subject to the approval of our federal banking regulator.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for terms, amounts, nature of changes, rights and privileges, dividends, and other matters related to preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>43
<FILENAME>R50.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E2F">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>STOCK COMPENSATION PLANS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>STOCK COMPENSATION PLANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock', window );">Schedule of Stock Incentive Plan Activity</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23">YEAR ENDED DECEMBER 31</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SHARES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">WEIGHTED AVERAGE EXERCISE PRICE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SHARES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">WEIGHTED AVERAGE EXERCISE PRICE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SHARES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">WEIGHTED AVERAGE EXERCISE PRICE</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Outstanding at beginning of year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>398,371</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.43</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 313,612</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3.02</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 257,287</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3.18</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Granted</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>102,445</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3.19</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 164,241</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2.73</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 58,575</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2.25</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Exercised</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(3,467)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.81</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,500</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1.70</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (750</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1.70</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Forfeited</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(10,000)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>4.25</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (77,982</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> 5.47</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (1,500</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> 1.70</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Outstanding at end of year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>487,349</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> <strong>2.55</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 398,371</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> 2.43</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 313,612</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> 3.02</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Exercisable at end of year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>257,253</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.25</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 167,624</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2.29</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 179,874</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3.81</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Weighted average fair value of options granted in current year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.83</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.80</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.51</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock', window );">Schedule of Assumptions</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> BLACK-SCHOLES ASSUMPTION RANGES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Risk-free interest rate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <strong>1.82&nbsp;-&nbsp;2.03%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> 1.66&nbsp;-&nbsp;2.28%</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> 2.19&nbsp;-&nbsp;3.62%</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Expected lives in years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>10</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">10</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">10</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Expected volatility</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <strong>30.06&nbsp;-&nbsp;32.32%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> 33.26&nbsp;-&nbsp;35.77%</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> 35.03&nbsp;-&nbsp;35.25%</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Expected dividend rate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.30%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">0%</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">0%</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the number and weighted-average exercise prices (or conversion ratios) for share options (or share units) that were outstanding at the beginning and end of the year, vested and expected to vest, exercisable or convertible at the end of the year, and the number of share options or share units that were granted, exercised or converted, forfeited, and expired during the year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the significant assumptions used during the year to estimate the fair value of stock options, including, but not limited to: (a) expected term of share options and similar instruments, (b) expected volatility of the entity's shares, (c) expected dividends, (d) risk-free rate(s), and (e) discount for post-vesting restrictions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (f)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>44
<FILENAME>R42.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SHORT-TERM BORROWINGS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowingsAbstract', window );"><strong>SHORT-TERM BORROWINGS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfShortTermDebtTextBlock', window );">Schedule of Balances and Related Information for Federal Funds Purchased and Other Short-term Borrowings</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FEDERAL FUNDS PURCHASED</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SHORT-TERM BORROWINGS</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS, EXCEPT RATES)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>41,555</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Maximum indebtedness at any month end</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>41,555</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Average balance during year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>959</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>16,482</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Average rate paid for the year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.34%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.26%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest rate on year end balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.25</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FEDERAL FUNDS PURCHASED</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SHORT-TERM BORROWINGS</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS, EXCEPT RATES)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 15,660</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Maximum indebtedness at any month end</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 19,755</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Average balance during year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">117</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,225</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Average rate paid for the year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.34</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.20</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest rate on year end balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.25</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31, 2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FEDERAL FUNDS PURCHASED</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">OTHER SHORT-TERM BORROWINGS</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS, EXCEPT RATES)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 15,765</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Maximum indebtedness at any month end</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 15,765</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Average balance during year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">49</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,167</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Average rate paid for the year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.32</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.51</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest rate on year-end balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.34</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfShortTermDebtTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of short-term debt arrangements (having initial terms of repayment within one year or the normal operating cycle, if longer) including: (1) description of the short-term debt arrangement; (2) identification of the lender or type of lender; (3) repayment terms; (4) weighted average interest rate; (5) carrying amount of funds borrowed under the specified short-term debt arrangement as of the balance sheet date; (6) description of the refinancing of a short-term obligation when that obligation is excluded from current liabilities in the balance sheet; and (7) amount of a short-term obligation that has been excluded from current liabilities in the balance sheet because of a refinancing of the obligation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfShortTermDebtTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermBorrowingsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShortTermBorrowingsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>45
<FILENAME>R75.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EJYAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of Non-performing Assets Including TDR) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract', window );"><strong>Non-performing assets including TDR</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest', window );">Non-accrual loans</a></td>
        <td class="nump">$ 2,871<span></span></td>
        <td class="nump">$ 5,814<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstate', window );">Other real estate owned</a></td>
        <td class="nump">1,017<span></span></td>
        <td class="nump">1,228<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_TroubledDebtRestructuringModificationsRecordedInvestment', window );">TDR's not in non-accrual</a></td>
        <td class="nump">221<span></span></td>
        <td class="nump">182<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings', window );">Total non-performing assets including TDR</a></td>
        <td class="nump">4,109<span></span></td>
        <td class="nump">7,224<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans', window );">Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned</a></td>
        <td class="nump">0.52%<span></span></td>
        <td class="nump">1.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract', window );"><strong>Non-performing assets including TDR</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest', window );">Non-accrual loans</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial loans secured by real estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract', window );"><strong>Non-performing assets including TDR</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest', window );">Non-accrual loans</a></td>
        <td class="nump">1,632<span></span></td>
        <td class="nump">4,623<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstate', window );">Other real estate owned</a></td>
        <td class="nump">344<span></span></td>
        <td class="nump">1,101<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Real estate-mortgage [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract', window );"><strong>Non-performing assets including TDR</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest', window );">Non-accrual loans</a></td>
        <td class="nump">1,239<span></span></td>
        <td class="nump">1,191<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstate', window );">Other real estate owned</a></td>
        <td class="nump">$ 673<span></span></td>
        <td class="nump">$ 127<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_NonPerformingAssetsDueToLoanInclusionOfRestructuringAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_NonperformingAssetsIncludingTroubleDebtRestructurings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total non-performing assets including trouble debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_NonperformingAssetsIncludingTroubleDebtRestructurings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_TroubledDebtRestructuringModificationsRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_TroubledDebtRestructuringModificationsRecordedInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the carrying amount of loans deemed to be questionable as to collection on which no interest is continuing to be recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5111-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the percentage derived from dividing impaired loans on which interest has ceased to be accrued by total loans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherRealEstate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount of other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This does not include real estate assets taken in settlement of troubled loans through surrender or foreclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.10(4))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherRealEstate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>46
<FILENAME>R97.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E1FBG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Narrative) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="4">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th" colspan="2">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>PENSION PLANS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss', window );">Estimated net loss that will be amortized from accumulated other comprehensive income (loss)</a></td>
        <td class="nump">$ 683<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit', window );">Estimated prior service cost that will be amortized from accumulated other comprehensive income (loss)</a></td>
        <td class="num">(10)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation', window );">Transition asset</a></td>
        <td class="num">(4)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract', window );"><strong>401(k) PLAN:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanCostRecognized', window );">Contributions to charged to operations</a></td>
        <td class="nump">327<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">277<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch', window );">Employer match percentage</a></td>
        <td class="nump">6.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">2.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent', window );">Maximum percent of salary</a></td>
        <td class="nump">3.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">1.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent', window );">Contribution for union members</a></td>
        <td class="nump">4.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">4.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld', window );">AmeriServ Financial, Inc. common stock and Trust Preferred securities held</a></td>
        <td class="nump">802<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans, Defined Benefit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>PENSION PLANS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours', window );">Minimum number of annual hours</a></td>
        <td class="nump">1,000<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DefinedBenefitPlanVestingPeriod', window );">Vesting term</a></td>
        <td class="text">5 years<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets', window );">AmeriServ Financial, Inc. common stock held</a></td>
        <td class="nump">631<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock', window );">Maximum percent of plan assets comprised of AmeriServ Financial, Inc. common stock</a></td>
        <td class="nump">10.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock', window );">Percent of plan assets comprised of common stock</a></td>
        <td class="nump">2.40%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss', window );">Estimated net loss that will be amortized from accumulated other comprehensive income (loss)</a></td>
        <td class="nump">1,085<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit', window );">Estimated prior service cost that will be amortized from accumulated other comprehensive income (loss)</a></td>
        <td class="num">(19)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets', window );">Expected return on plan assets</a></td>
        <td class="nump">8.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">8.00%<span></span></td>
        <td class="nump">8.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear', window );">Expected contribution in 2014</a></td>
        <td class="nump">$ 2,000<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans, Defined Benefit [Member] | Domestic Equities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>PENSION PLANS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocations', window );">Target allocation</a></td>
        <td class="nump">60.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum', window );">Target allocation, minimum</a></td>
        <td class="nump">50.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum', window );">Target allocation, maximum</a></td>
        <td class="nump">60.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans, Defined Benefit [Member] | Fixed Income Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>PENSION PLANS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum', window );">Target allocation, minimum</a></td>
        <td class="nump">40.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum', window );">Target allocation, maximum</a></td>
        <td class="nump">50.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr>
        <td colspan="5"></td>
      </tr>
      <tr>
        <td colspan="5">
          <table class="outerFootnotes" width="100%">
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[1]</td>
              <td style="vertical-align: top;" valign="top">These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).</td>
            </tr>
          </table>
        </td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Defined Benefit Plan, Maximum Percent Of Assets Comprised Of Entity Common Stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_DefinedBenefitPlanMaximumPercentOfAssetsComprisedOfEntityCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Defined Benefit Plan, Minimum Number Of Annual Employee Hours.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_DefinedBenefitPlanMinimumNumberOfAnnualEmployeeHours</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The percentage of assets comprised of common stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_DefinedBenefitPlanPercentOfAssetsComprisedOfEntityCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DefinedBenefitPlanVestingPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Defined Benefit Plan, Vesting Period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_DefinedBenefitPlanVestingPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Defined Contribution Plan, Amount Of Entity Common Stock And Securities Held.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_DefinedContributionPlanAmountOfEntityCommonStockAndSecuritiesHeld</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Maximum percentage of union employee gross pay, by the terms of the plan, that the employer may contribute to a defined contribution plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_DefinedContributionPlanMaximumAnnualContributionPerUnionEmployeePercent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount included in accumulated other comprehensive income (AOCI) related to transition obligation (asset) expected to be recognized as components of net periodic benefit cost (credit) for the fiscal year that follows the most recent annual statement of financial position.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (s)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of employer securities or securities of parties related to the employer that are included in plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (n)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAmountOfEmployerAndRelatedPartySecuritiesIncludedInPlanAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>An assumption as to the rate of return on plan assets reflecting the average rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the benefit obligation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Glossary Expected Long-Term Rate of Return on Plan Assets<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6512013<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (k)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanDisclosureLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanDisclosureLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount included in accumulated other comprehensive income (AOCI) related to gain (loss) expected to be recognized as components of net periodic benefit cost for the fiscal year that follows the most recent annual statement of financial position.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount included in accumulated other comprehensive income (AOCI) related to prior service cost (credit) expected to be recognized as components of net periodic benefit cost for the fiscal year that follows the most recent annual statement of financial position.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of employer's best estimate of contributions expected to be paid to the plan during the next fiscal year beginning after the date of the latest statement of financial position.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlansEstimatedFutureEmployerContributionsInNextFiscalYear</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Target allocation of investments of this type to total plan assets presented on a weighted average basis.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (c)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e2446-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanTargetPlanAssetAllocations</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Target allocation maximum percentage of investments of this type to total plan assets presented on a weighted average basis.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (c)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e2446-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMaximum</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Target allocation minimum percentage of investments of this type to total plan assets presented on a weighted average basis.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (c)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e2446-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanTargetPlanAssetAllocationsRangeMinimum</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedContributionPensionAndOtherPostretirementPlansDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedContributionPlanCostRecognized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the cost recognized during the period for defined contribution plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 70<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6414718&amp;loc=d3e28014-114942<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedContributionPlanCostRecognized</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage employer matches of the employee's percentage contribution matched.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Maximum percentage of employee gross pay the employee may contribute to a defined contribution plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>47
<FILENAME>R37.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>LOANS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableNetAbstract', window );"><strong>LOANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock', window );">Summary of Loan Portfolio</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>120,102</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 102,822</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>411,691</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 383,339</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>235,689</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 217,584</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>15,864</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 17,420</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Loans, net of unearned income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>783,346</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 721,165</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsReceivableNetAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsReceivableNetAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3,4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3, 4<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>48
<FILENAME>R52.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>DERIVATIVE HEDGING INSTRUMENTS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract', window );"><strong>DERIVATIVE HEDGING INSTRUMENTS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDerivativeInstrumentsTextBlock', window );">Schedule of Interest Rate Swaps</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> START DATE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">MATURITY DATE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">HEDGE TYPE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">NOTIONAL AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATE RECEIVED</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATE PAID</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">REPRICING FREQUENCY</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">INCREASE (DECREASE) IN INTEREST EXPENSE</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> 12/12/08</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> 09/24/13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center">FAIR VALUE</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9,000,000</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5.25</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2.73</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> MONTHLY</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>165,488</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> 12/12/08</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> 09/24/13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> FAIR VALUE</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> 9,000,000</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> 2.73</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> 5.25</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> MONTHLY</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(165,488)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfDerivativeInstrumentsTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of pertinent information about a derivative or group of derivatives on a disaggregated basis, such as for individual instruments, or small groups of similar instruments. May include a combination of the type of instrument, risks being hedged, notional amount, hedge designation, related hedged item, inception date, maturity date, or other relevant item.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 25<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6886632&amp;loc=d3e76258-113986<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41678-113959<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41620-113959<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5579245-113959<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5580258-113959<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5579240-113959<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41641-113959<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41638-113959<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4C<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624171-113959<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624163-113959<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(n)(2))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfDerivativeInstrumentsTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>49
<FILENAME>R67.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EIDCK">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Rollforward of the Allowance for Loan Losses by Portfolio Segment) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2013</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2012</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2012</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at beginning of period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 12,571<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 14,623<span></span></td>
        <td class="nump">$ 12,571<span></span></td>
        <td class="nump">$ 14,623<span></span></td>
        <td class="nump">$ 19,765<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,120)<span></span></td>
        <td class="num">(1,761)<span></span></td>
        <td class="num">(2,941)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">753<span></span></td>
        <td class="nump">484<span></span></td>
        <td class="nump">1,374<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="num">(1,000)<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">150<span></span></td>
        <td class="num">(250)<span></span></td>
        <td class="nump">550<span></span></td>
        <td class="num">(200)<span></span></td>
        <td class="num">(500)<span></span></td>
        <td class="num">(625)<span></span></td>
        <td class="num">(1,100)<span></span></td>
        <td class="num">(775)<span></span></td>
        <td class="num">(3,575)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at end of period</a></td>
        <td class="nump">10,104<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">12,571<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">10,104<span></span></td>
        <td class="nump">12,571<span></span></td>
        <td class="nump">14,623<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at beginning of period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,596<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,365<span></span></td>
        <td class="nump">2,596<span></span></td>
        <td class="nump">2,365<span></span></td>
        <td class="nump">3,851<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(50)<span></span></td>
        <td class="num">(345)<span></span></td>
        <td class="num">(953)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">80<span></span></td>
        <td class="nump">138<span></span></td>
        <td class="nump">831<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">218<span></span></td>
        <td class="nump">438<span></span></td>
        <td class="num">(1,364)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at end of period</a></td>
        <td class="nump">2,844<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,596<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,844<span></span></td>
        <td class="nump">2,596<span></span></td>
        <td class="nump">2,365<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial loans secured by real estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at beginning of period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">7,796<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">9,400<span></span></td>
        <td class="nump">7,796<span></span></td>
        <td class="nump">9,400<span></span></td>
        <td class="nump">12,717<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,777)<span></span></td>
        <td class="num">(796)<span></span></td>
        <td class="num">(1,700)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">481<span></span></td>
        <td class="nump">245<span></span></td>
        <td class="nump">331<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,615)<span></span></td>
        <td class="num">(1,053)<span></span></td>
        <td class="num">(1,948)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at end of period</a></td>
        <td class="nump">4,885<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">7,796<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,885<span></span></td>
        <td class="nump">7,796<span></span></td>
        <td class="nump">9,400<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Real estate-mortgage [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at beginning of period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,269<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,270<span></span></td>
        <td class="nump">1,269<span></span></td>
        <td class="nump">1,270<span></span></td>
        <td class="nump">1,117<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(139)<span></span></td>
        <td class="num">(420)<span></span></td>
        <td class="num">(85)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">122<span></span></td>
        <td class="nump">54<span></span></td>
        <td class="nump">53<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">8<span></span></td>
        <td class="nump">365<span></span></td>
        <td class="nump">185<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at end of period</a></td>
        <td class="nump">1,260<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,269<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,260<span></span></td>
        <td class="nump">1,269<span></span></td>
        <td class="nump">1,270<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at beginning of period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">150<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">174<span></span></td>
        <td class="nump">150<span></span></td>
        <td class="nump">174<span></span></td>
        <td class="nump">206<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(154)<span></span></td>
        <td class="num">(200)<span></span></td>
        <td class="num">(203)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">70<span></span></td>
        <td class="nump">47<span></span></td>
        <td class="nump">159<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">70<span></span></td>
        <td class="nump">129<span></span></td>
        <td class="nump">12<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at end of period</a></td>
        <td class="nump">136<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">150<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">136<span></span></td>
        <td class="nump">150<span></span></td>
        <td class="nump">174<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Allocation for general risk [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at beginning of period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">760<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,414<span></span></td>
        <td class="nump">760<span></span></td>
        <td class="nump">1,414<span></span></td>
        <td class="nump">1,874<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Charge-offs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery', window );">Recoveries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">219<span></span></td>
        <td class="num">(654)<span></span></td>
        <td class="num">(460)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at end of period</a></td>
        <td class="nump">$ 979<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 760<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 979<span></span></td>
        <td class="nump">$ 760<span></span></td>
        <td class="nump">$ 1,414<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsNotesAndLoansReceivableLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A valuation allowance for financing receivables that are expected to be uncollectible.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of recovery of financing receivables doubtful of collection that were previously charged off.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of direct write-downs of financing receivables charged against the allowance.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 11<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForLoanLeaseAndOtherLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>50
<FILENAME>R111.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E6IAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PREFERRED STOCK (Narrative) (Details) (Series E Preferred Stock [Member], USD $)<br>In Thousands, except Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1">1 Months Ended</th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Aug. 11, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Shares of stock issued</a></td>
        <td class="nump">21,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueNewIssues', window );">Value of stock issued</a></td>
        <td class="nump">$ 21,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockDividendRatePercentage', window );">Dividend rate</a></td>
        <td class="nump">5.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockLiquidationPreferenceValue', window );">Aggregate liquidation preference</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 21,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PercentageOfLendingIncentiveFeePayable', window );">Lending incentive fee</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0.50%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_MinimumPercentageTierOneCapitalToBeMaintained', window );">Minimum Tier 1 capital required to pay dividends</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">90.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PreferredStockRedemptionPricePercentage', window );">Redemption price, percent of liquidation amount</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">100.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Minimum [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfStockLineItems', window );"><strong>Class of Stock [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockDividendRatePercentage', window );">Dividend rate</a></td>
        <td class="nump">1.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_MinimumPercentageTierOneCapitalToBeMaintained">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Minimum percentage tier one capital to be maintained.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_MinimumPercentageTierOneCapitalToBeMaintained</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_PercentageOfLendingIncentiveFeePayable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of lending incentive fee payable.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_PercentageOfLendingIncentiveFeePayable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_PreferredStockRedemptionPricePercentage">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Preferred Stock, Redemption, Price Percentage.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_PreferredStockRedemptionPricePercentage</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ClassOfStockLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ClassOfStockLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockDividendRatePercentage">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The percentage rate used to calculate dividend payments on preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockDividendRatePercentage</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockLiquidationPreferenceValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value of the difference between preference in liquidation and the par or stated values of the preferred shares.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockLiquidationPreferenceValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of new stock issued during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodSharesNewIssues</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodValueNewIssues">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity impact of the value of new stock issued during the period. Includes shares issued in an initial public offering or a secondary public offering.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodValueNewIssues</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>51
<FILENAME>R61.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EEPBG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>INVESTMENT SECURITIES (Schedule of Cost Basis and Fair Values of Investment Securities) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Available-For-Sale-Securities-And-Held-To-Maturity-Securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Investment securities available for sale, Cost Basis</a></td>
        <td class="nump">$ 140,398<span></span></td>
        <td class="nump">$ 145,265<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Gains</a></td>
        <td class="nump">3,185<span></span></td>
        <td class="nump">6,393<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Losses</a></td>
        <td class="num">(1,605)<span></span></td>
        <td class="num">(120)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for Sale, Fair Value, Total</a></td>
        <td class="nump">141,978<span></span></td>
        <td class="nump">151,538<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Investment securities held to maturity, Cost Basis</a></td>
        <td class="nump">18,187<span></span></td>
        <td class="nump">13,723<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain', window );">Investment securities held to maturity, Gross Unrealized Gains</a></td>
        <td class="nump">289<span></span></td>
        <td class="nump">598<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Investment securities held to maturity, Gross Unrealized Losses</a></td>
        <td class="num">(688)<span></span></td>
        <td class="num">(55)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Held to Maturity, Fair Value, Total</a></td>
        <td class="nump">17,788<span></span></td>
        <td class="nump">14,266<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Agency [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Available-For-Sale-Securities-And-Held-To-Maturity-Securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Investment securities available for sale, Cost Basis</a></td>
        <td class="nump">6,926<span></span></td>
        <td class="nump">5,848<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Gains</a></td>
        <td class="nump">35<span></span></td>
        <td class="nump">70<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Losses</a></td>
        <td class="num">(126)<span></span></td>
        <td class="num">(7)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for Sale, Fair Value, Total</a></td>
        <td class="nump">6,835<span></span></td>
        <td class="nump">5,911<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Agency mortgage-backed securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Available-For-Sale-Securities-And-Held-To-Maturity-Securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Investment securities available for sale, Cost Basis</a></td>
        <td class="nump">121,480<span></span></td>
        <td class="nump">131,425<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Gains</a></td>
        <td class="nump">3,129<span></span></td>
        <td class="nump">6,320<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Losses</a></td>
        <td class="num">(1,227)<span></span></td>
        <td class="num">(10)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for Sale, Fair Value, Total</a></td>
        <td class="nump">123,382<span></span></td>
        <td class="nump">137,735<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Investment securities held to maturity, Cost Basis</a></td>
        <td class="nump">12,671<span></span></td>
        <td class="nump">9,318<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain', window );">Investment securities held to maturity, Gross Unrealized Gains</a></td>
        <td class="nump">289<span></span></td>
        <td class="nump">578<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Investment securities held to maturity, Gross Unrealized Losses</a></td>
        <td class="num">(477)<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Held to Maturity, Fair Value, Total</a></td>
        <td class="nump">12,483<span></span></td>
        <td class="nump">9,896<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate bonds [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Available-For-Sale-Securities-And-Held-To-Maturity-Securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Investment securities available for sale, Cost Basis</a></td>
        <td class="nump">11,992<span></span></td>
        <td class="nump">7,992<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Gains</a></td>
        <td class="nump">21<span></span></td>
        <td class="nump">3<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Losses</a></td>
        <td class="num">(252)<span></span></td>
        <td class="num">(103)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for Sale, Fair Value, Total</a></td>
        <td class="nump">11,761<span></span></td>
        <td class="nump">7,892<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate bonds and other securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Available-For-Sale-Securities-And-Held-To-Maturity-Securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Investment securities held to maturity, Cost Basis</a></td>
        <td class="nump">3,995<span></span></td>
        <td class="nump">3,995<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain', window );">Investment securities held to maturity, Gross Unrealized Gains</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">14<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Investment securities held to maturity, Gross Unrealized Losses</a></td>
        <td class="num">(91)<span></span></td>
        <td class="num">(55)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Held to Maturity, Fair Value, Total</a></td>
        <td class="nump">3,904<span></span></td>
        <td class="nump">3,954<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Taxable Municipal [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Available-For-Sale-Securities-And-Held-To-Maturity-Securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Investment securities held to maturity, Cost Basis</a></td>
        <td class="nump">1,521<span></span></td>
        <td class="nump">410<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain', window );">Investment securities held to maturity, Gross Unrealized Gains</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">6<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss', window );">Investment securities held to maturity, Gross Unrealized Losses</a></td>
        <td class="num">(120)<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Held to Maturity, Fair Value, Total</a></td>
        <td class="nump">$ 1,401<span></span></td>
        <td class="nump">$ 416<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of accumulated pre-tax unrealized gains on investments in available-for-sale securities that are recognized in Accumulated Other Comprehensive Income (AOCI).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInAOCI</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of accumulated pre-tax unrealized loss before deducting unrealized gain on investments in available-for-sale securities recognized in Accumulated Other Comprehensive Income (AOCI).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInAOCI</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the excess of amortized cost basis over fair value of securities in a gain position and which are categorized as held-to-maturinty.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the excess of amortized cost basis over fair value of securities in a loss position and which are categorized as held-to-maturinty.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the cost of debt and equity securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after other than temporary impairment (OTTI) accretion, of investments in debt securities classified as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value of investments in debt securities classified as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>52
<FILENAME>R47.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EUJAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CompensationAndRetirementDisclosureAbstract', window );"><strong>EMPLOYEE BENEFIT PLANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock', window );">Schedule of Changes in Benefit Obligations and Plan Assets and Funded Status</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> CHANGE IN BENEFIT OBLIGATION:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Benefit obligation at beginning of year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>29,844</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 25,709</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Service cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,703</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,593</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,189</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,234</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Actuarial (gain) loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(757)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,882</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Benefits paid</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(1,730)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (1,574</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Benefit obligation at end of year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>30,249</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 29,844</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> CHANGE IN PLAN ASSETS:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Fair value of plan assets at beginning of year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>21,368</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 18,180</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Actual return on plan assets</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,850</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,162</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Employer contributions</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,800</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,600</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Benefits paid</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(1,730)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (1,574</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Fair value of plan assets at end of year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>26,288</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 21,368</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Funded status of the plan&nbsp;-&nbsp;under funded</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(3,961)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (8,476</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock', window );">Schedule of Amounts Not Yet Recognized as a Component of Net Periodic Pension Cost</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> &nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> AMOUNTS NOT YET RECOGNIZED AS A COMPONENT OF NET PERIODIC PENSION COST:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Amounts recognized in accumulated other comprehensive loss consists of:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Transition asset</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(8</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Prior service cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(19)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(38</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net actuarial loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>10,107</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 14,315</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>10,088</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 14,269</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock', window );">Schedule of Accumulated Benefit Obligation</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">YEAR ENDED<br /> DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> ACCUMULATED BENEFIT OBLIGATION:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Accumulated benefit obligation</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>27,566</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 26,662</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock', window );">Schedule of Weighted Average Assumptions Used to Determine Benefit Obligations</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> WEIGHTED AVERAGE ASSUMPTIONS:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Discount rate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4.50%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Salary scale</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.50</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2.50</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock', window );">Schedule of Components of Net Periodic Benefit Cost</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> COMPONENTS OF NET PERIODIC BENEFIT COST:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Service cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,703</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,593</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,335</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,189</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,234</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,198</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Expected return on plan assets</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,775)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,656</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,582</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Amortization of prior year service cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(19)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(19</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">7</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Amortization of transition asset</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(8)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(17</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(17</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Recognized net actuarial loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,375</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,094</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 800</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net periodic pension cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>2,465</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,229</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,741</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock', window );">Schedule of Other Changes in Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income (Loss)</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE LOSS<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net (gain) loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(2,832)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,376</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,090</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Recognized loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,375)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,094</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (800</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Recognized prior service cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>19</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">19</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(7</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Recognized net initial asset</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>8</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 17</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 17</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total recognized in other comprehensive loss before tax effect</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(4,180)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,318</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,300</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total recognized in net benefit cost and other comprehensive loss before tax effect</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(1,715)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 3,547</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,041</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock', window );">Schedule of Weighted-Average Assumptions Used to Determine Net Periodic Benefit Cost</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> WEIGHTED AVERAGE ASSUMPTIONS:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Discount rate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4.00%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4.75</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5.25</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Expected return on plan assets</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Rate of compensation increase</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.50</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2.50</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2.50</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock', window );">Schedule of Plan's Asset Allocations</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> ASSET CATEGORY:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Cash and cash equivalents</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Domestic equities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>10</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">22</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Mutual funds/ETFs</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>79</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">63</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> International equities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">2</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Corporate bonds</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>5</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>100%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 100</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfFairValueOfPlanAssetsTableTextBlock', window );">Schedule of Assets Measured at Fair Value</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Level 1:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Cash and cash equivalents</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Domestic equities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,741</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,731</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> International equities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,478</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">336</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Mutual funds/ETFs</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>20,744</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 13,566</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Level 2:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Corporate bonds</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,325</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,735</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total fair value of plan assets</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>26,288</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 21,368</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock', window );">Schedule of Estimated Future Benefit Payments</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> YEAR:</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">ESTIMATED FUTURE BENEFIT PAYMENTS</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2014</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,444</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2015</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,268</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2016</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,752</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2017</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,809</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2018</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,430</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Years 2019&nbsp;-&nbsp;2023</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 14,200</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the assumptions used to determine for pension plans and/or other employee benefit plans the benefit obligation, including assumed discount rates, rate increase in compensation increase, and expected long-term rates of return on plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ScheduleOfAssumptionsUsedToCalculateBenefitObligationsTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the assumptions used to determine for pension plans and/or other employee benefit plans the net periodic benefit cost, including assumed discount rates, rate increase in compensation increase, and expected long-term rates of return on plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ScheduleOfAssumptionsUsedToCalculateNetPeriodicBenefitCostTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ScheduleOfFairValueOfPlanAssetsTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule Of Fair Value Of Plan Assets [Table Text Block]</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ScheduleOfFairValueOfPlanAssetsTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CompensationAndRetirementDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CompensationAndRetirementDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of benefit obligations including accumulated benefit obligation and projected benefit obligation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfAccumulatedAndProjectedBenefitObligationsTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the major categories of plan assets of pension plans and/or other employee benefit plans.  This information may include, but is not limited to, the target allocation of plan assets, the fair value of each major category of plan assets, and the level within the fair value hierarchy in which the fair value measurements fall.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)(5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the amounts related to pension plans and/or other employee benefit plans in accumulated other comprehensive income (loss) expected to be recognized as components of net periodic benefit cost over the next fiscal year, including the net gain (loss), net prior service cost or credit, and net transition asset or obligation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (s)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfAmountsInAccumulatedOtherComprehensiveIncomeLossToBeRecognizedOverNextFiscalYearTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the changes in plan assets and benefit obligations recognized in other comprehensive income (loss) during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of one or more of the entity's defined benefit pension plans or one or more other defined benefit postretirement plans, separately for pension plans and other postretirement benefit plans including the entity's schedule of fair value of plan assets for defined benefit or other postretirement plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e2417-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 17<br><br> -URI http://asc.fasb.org/extlink&amp;oid=32704760&amp;loc=d3e4179-114921<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e2439-114920<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e2410-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of benefits expected to be paid by pension plans and/or other employee benefit plans in each of the next five fiscal years and in the aggregate for the five fiscal years thereafter.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the components of net benefit costs for pension plans and/or other employee benefit plans including service cost, interest cost, expected return on plan assets, gain (loss), prior service cost or credit, transition asset or obligation, and gain (loss) recognized due to settlements or curtailments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfNetBenefitCostsTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>53
<FILENAME>R9.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SignificantAccountingPoliciesTextBlock', window );">SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 1.&nbsp;&nbsp;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</h2> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> BUSINESS AND NATURE OF OPERATIONS:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> AmeriServ Financial, Inc. (the Company) is a bank holding company, headquartered in Johnstown, Pennsylvania. Through its banking subsidiary the Company operates 18 banking locations in five southwestern Pennsylvania counties. These branches provide a full range of consumer, mortgage, and commercial financial products. The AmeriServ Trust and Financial Services Company (Trust Company) offers a complete range of trust and financial services and administers assets valued at approximately $1.7 billion that are not recognized on the Company&#39;s Consolidated Balance Sheet at December 31, 2013.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> PRINCIPLES OF CONSOLIDATION:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The consolidated financial statements include the accounts of AmeriServ Financial, Inc. and its wholly-owned subsidiaries, AmeriServ Financial Bank (the Bank), Trust Company, and AmeriServ Life Insurance Company (AmeriServ Life). The Bank is a state-chartered full service bank with 18 locations in Pennsylvania. AmeriServ Life is a captive insurance company that engages in underwriting as a reinsurer of credit life and disability insurance.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Intercompany accounts and transactions have been eliminated in preparing the Consolidated Financial Statements. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (generally accepted accounting principles, or GAAP) requires management to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying notes. Actual results may differ from these estimates and the differences may be material to the Consolidated Financial Statements. The Company&#39;s most significant estimates relate to the allowance for loan losses, goodwill, income taxes and investment securities.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> INVESTMENT SECURITIES:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Securities are classified at the time of purchase as investment securities held to maturity if it is management&#39;s intent and the Company has the ability to hold the securities until maturity. These held to maturity securities are carried on the Company&#39;s books at cost, adjusted for amortization of premium and accretion of discount which is computed using the level yield method which approximates the effective interest method. Alternatively, securities are classified as available for sale if it is management&#39;s intent at the time of purchase to hold the securities for an indefinite period of time and/or to use the securities as part of the Company&#39;s asset/liability management strategy. Securities classified as available for sale include securities which may be sold to effectively manage interest rate risk exposure, prepayment risk, and other factors (such as liquidity requirements). These available for sale securities are reported at fair value with unrealized aggregate appreciation/depreciation excluded from income and credited/charged to accumulated other comprehensive income/loss within stockholders&#39; equity on a net of tax basis. Any securities classified as trading assets are reported at fair value with unrealized aggregate appreciation/depreciation included in income on a net of tax basis. The Company does not engage in trading activity.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Realized gains or losses on securities sold are computed upon the adjusted cost of the specific securities sold. Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security&#39;s performance, the creditworthiness of the issuer and the Company&#39;s intent and ability to hold the security to recovery. The Company believes the unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> FEDERAL HOME LOAN BANK STOCK:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB) and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. The stock is bought from and sold to the FHLB based upon its $100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated for by management. The stock&#39;s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time any such situation has persisted (b) Commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) The impact of legislative and regulatory changes on the customer base of FHLB and (d) The liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> LOANS:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Interest income is recognized using the level yield method related to principal amounts outstanding. The Company discontinues the accrual of interest income when loans become 90 days past due in either principal or interest. In addition, if circumstances warrant, the accrual of interest may be discontinued prior to 90 days. Payments received on non-accrual loans are credited to principal until full recovery of principal has been recognized; or the loan has been returned to accrual status. The only exception to this policy is for residential mortgage loans wherein interest income is recognized on a cash basis as payments are received. A non-accrual commercial loan is placed on accrual status after becoming current and remaining current for twelve consecutive payments. Residential mortgage loans are placed on accrual status upon becoming current.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> LOAN FEES:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Loan origination and commitment fees, net of associated direct costs, are deferred and amortized into interest and fees on loans over the loan or commitment period. Fee amortization is determined by the effective interest method.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> LOANS HELD FOR SALE:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management&#39;s intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> TRANSFERS OF FINANCIAL ASSETS</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company; (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets; and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> PREMISES AND EQUIPMENT:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Premises and equipment are stated at cost less accumulated depreciation and amortization. Land is carried at cost. Depreciation is charged to operations over the estimated useful lives of the premises and equipment using the straight-line method with a half-year convention. Useful lives of up to 30 years for buildings and up to 10 years for equipment are utilized. Leasehold improvements are amortized using the straight-line method over the terms of the respective leases or useful lives of the improvements, whichever is shorter. Maintenance, repairs, and minor alterations are charged to current operations as expenditures are incurred.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> As a financial institution, which assumes lending and credit risks as a principal element of its business, the Company anticipates that credit losses will be experienced in the normal course of business. Accordingly, the Company consistently applies a comprehensive methodology and procedural discipline to perform an analysis which is updated on a quarterly basis at the Bank level to determine both the adequacy of the allowance for loan losses and the necessary provision for loan losses to be charged against earnings. This methodology includes:</p> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">-</td> <td style="TEXT-ALIGN: left">Review of all criticized, classified and impaired loans with aggregate balances over $250,000 to determine if any specific reserve allocations are required on an individual loan basis. The specific reserve allocations established for these criticized, classified and impaired loans are based on careful analysis of the loan&#39;s performance, the related collateral value, cash flow considerations and the financial capability of any guarantor. All loans classified as doubtful or worse are specifically reserved. For impaired loans the measurement of impairment may be based upon: 1) the present value of expected future cash flows discounted at the loan&#39;s effective interest rate; 2) the observable market price of the impaired loan; or 3) the fair value of the collateral of a collateral dependent loan.</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">-</td> <td style="TEXT-ALIGN: left">The application of formula driven reserve allocations for all commercial and commercial real-estate loans by using a three-year migration analysis of net losses incurred within each risk grade for the entire commercial loan portfolio. The difference between estimated and actual losses is reconciled through the nature of the migration analysis.</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">-</td> <td style="TEXT-ALIGN: left">The application of formula driven reserve allocations to consumer and residential mortgage loans which are based upon historical net charge-off experience for those loan types. The residential mortgage loan and consumer loan allocations are based upon the Company&#39;s three-year historical average of actual loan net charge-offs experienced in each of those categories.</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">-</td> <td style="TEXT-ALIGN: left">The application of formula driven reserve allocations to all outstanding loans is based upon review of historical losses and qualitative factors, which include but are not limited to, economic trends, delinquencies, levels of non-accrual and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies and trends in policy, financial information and documentation exceptions.</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">-</td> <td style="TEXT-ALIGN: left">Management recognizes that there may be events or economic factors that have occurred affecting specific borrowers or segments of borrowers that may not yet be fully reflected in the information that the Company uses for arriving at reserves for a specific loan or portfolio segment. Therefore, the Company believes that there is estimation risk associated with the use of specific and formula driven allowances.</td> </tr> </table> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> After completion of this process, a formal meeting of the Loan Loss Reserve Committee is held to evaluate the adequacy of the reserve.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> When it is determined that the prospects for recovery of the principal of a loan have significantly diminished, the loan is charged against the allowance account; subsequent recoveries, if any, are credited to the allowance account. In addition, non-accrual and large delinquent loans are reviewed monthly to determine potential losses.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company&#39;s policy is to individually review, as circumstances warrant, its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. The Company defines classified loans as those loans rated substandard or doubtful. The Company has also identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances of $250,000 or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and evaluated for specific impairment if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The allowance for unfunded loan commitments and letters of credit is maintained at a level believed by management to be sufficient to absorb estimated losses related to these unfunded credit facilities. The determination of the adequacy of the allowance is based on periodic evaluations of the unfunded credit facilities including an assessment of the probability of commitment usage, credit risk factors for loans outstanding to these same customers and the terms and expiration dates of the unfunded credit facilities. Net adjustments to the allowance for unfunded loan commitments and letters of credit are provided for in the unfunded commitment reserve expense line item within other expense in the Consolidated Statements of Operations and a separate reserve is recorded within the other liabilities section of the Consolidated Balance Sheets in other liabilities.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> TRUST FEES:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Trust fees are recorded on the cash basis which approximates the accrual basis for such income.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> BANK-OWNED LIFE INSURANCE:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company has purchased life insurance policies on certain employees. These policies are recorded on the Consolidated Balance Sheets at their cash surrender value, or the amount that can be realized. Income from these policies and changes in the cash surrender value are recorded in bank owned life insurance within non-interest income.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> INTANGIBLE ASSETS:</h5> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> Goodwill</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company accounts for goodwill using a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company&#39;s reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an annual impairment analysis of goodwill.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> EARNINGS PER COMMON SHARE:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Basic earnings per share include only the weighted average common shares outstanding. Diluted earnings per share include the weighted average common shares outstanding and any potentially dilutive common stock equivalent shares in the calculation. Treasury shares are treated as retired for earnings per share purposes. Options and warrant to purchase 103,570, 49,842, and 185,917 shares of common stock were outstanding during 2013, 2012 and 2011, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. Exercise prices of anti-dilutive options and warrant to purchase common stock outstanding were $3.05&nbsp;-&nbsp;$5.75, $2.80&nbsp;-&nbsp;$5.75, and $2.07&nbsp;-&nbsp;$6.10 during 2013, 2012 and 2011, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share.</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">Year ended December 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(In thousands, except per share data)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Numerator:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>5,193</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,039</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,537</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Preferred stock dividends and accretion of preferred stock discount</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>209</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 828</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,385</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net income available to common shareholders</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>4,984</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,211</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 5,152</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Denominator:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Weighted average common shares outstanding (basic)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>18,942</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 19,685</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 21,184</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Effect of stock options/warrants</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>92</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 62</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 21</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Weighted average common shares outstanding (diluted)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>19,034</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 19,747</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 21,205</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Earnings per common share:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Basic</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.26</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.21</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.24</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Diluted</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.26</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.21</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.24</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> STOCK-BASED COMPENSATION:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company uses the modified prospective method for accounting of stock-based compensation. The Company recognized $82,000, $38,000 and $15,000 of pretax compensation expense for the years 2013, 2012 and 2011. The fair value of each option grant is estimated on the grant date using the Black-Scholes option pricing model. See Note 18 for details on the assumptions used.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> ACCUMULATED OTHER COMPREHENSIVE LOSS:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company presents the components of other comprehensive income (loss) in the Consolidated Statements of Comprehensive Income. These components are comprised of the change in the defined benefit pension obligation and the unrealized holding gains (losses) on available for sale securities, net of any reclassification adjustments for realized gains and losses.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table sets forth the components of accumulated other comprehensive loss, net of tax:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Pension obligation for defined benefit plan</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(6,918)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (9,520</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Unrealized holding gains on available for sale securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,043</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 4,141</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total accumulated other comprehensive loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(5,875)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (5,379</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> CONSOLIDATED STATEMENT OF CASH FLOWS:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> On a consolidated basis, cash and cash equivalents include cash and due from depository institutions, interest bearing deposits, and short-term investments in money market funds. The Company made $137,000 in income tax payments in 2013; $142,000 in 2012; and $97,000 in 2011. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $766,000 in 2013; $1,266,000 in 2012; and $169,000 in 2011. The Company made total interest payments of $6,781,000 in 2013; $8,154,000 in 2012; and $10,699,000 in 2011.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> INCOME TAXES:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Deferred tax assets or liabilities are computed based on the difference between the financial statement and income tax basis of assets and liabilities using the enacted marginal tax rate. Deferred income tax expenses or credits are based on the changes in the corresponding asset or liability from period to period. Deferred tax assets are reduced, if necessary, by the amounts of such benefits that are not expected to be realized based upon available evidence.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> INTEREST RATE CONTRACTS:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company recognizes all derivatives as either assets or liabilities on the Consolidated Balance Sheets and measures those instruments at fair value. For derivatives designated as fair value hedges, changes in the fair value of the derivative and hedged item related to the hedged risk are recognized in earnings. Changes in fair value of derivatives designated and accounted as cash flow hedges, to the extent they are effective as hedges, are recorded in "Other Comprehensive Income," net of deferred taxes and are subsequently reclassified to earnings when the hedged transaction affects earnings. Any hedge ineffectiveness would be recognized in the income statement line item pertaining to the hedged item.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company periodically enters into derivative instruments to meet the financing, interest rate and equity risk management needs of its customers. Upon entering into these instruments to meet customer needs, the Company enters into offsetting positions to minimize interest rate and equity risk to the Company. These derivative financial instruments are reported at fair value with any resulting gain or loss recorded in current period earnings. These instruments and their offsetting positions are recorded in other assets and other liabilities on the Consolidated Balance Sheets.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> RECENT ACCOUNTING STANDARDS:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> In July 2013, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2013-11, <em>Income Taxes (Topic 740): Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists.</em> This Update applies to all entities that have unrecognized tax benefits when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists at the reporting date. An unrecognized tax benefit, or a portion of an unrecognized tax benefit, should be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except as follows. To the extent a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date under the tax law of the applicable jurisdiction to settle any additional income taxes that would result from the disallowance of a tax position or the tax law of the applicable jurisdiction does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose, the unrecognized tax benefit should be presented in the financial statements as a liability and should not be combined with deferred tax assets. The assessment of whether a deferred tax asset is available is based on the unrecognized tax benefit and deferred tax asset that exist at the reporting date and should be made presuming disallowance of the tax position at the reporting date. The amendments in this Update are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. Early adoption is permitted. The amendments should be applied prospectively to all unrecognized tax benefits that exist at the effective date. Retrospective application is permitted. This ASU did not have a significant impact on the Company&#39;s financial statements.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> In January 2014, the FASB issued ASU 2014-04, <em>Receivables&nbsp;-&nbsp;Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.</em> The amendments in this Update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in this Update using either a modified retrospective transition method or a prospective transition method. This ASU is not expected to have a significant impact on the Company&#39;s financial statements.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountingPoliciesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SignificantAccountingPoliciesTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for all significant accounting policies of the reporting entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18726-107790<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18861-107790<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18743-107790<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18854-107790<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SignificantAccountingPoliciesTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>54
<FILENAME>R116.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EVNAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ACCUMULATED OTHER COMPREHENSIVE LOSS (Schedule of Amounts Reclassified out of Each Component of Accumulated Other Comprehensive Loss) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="4">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th" colspan="2">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Unrealized gains and losses on sale of securities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfInvestments', window );">Net realized gains on available for sale securities</a></td>
        <td class="num">$ (204)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="num">$ (12)<span></span></td>
        <td class="nump">$ 358<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax', window );">Total before tax</a></td>
        <td class="num">(204)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="num">(12)<span></span></td>
        <td class="nump">358<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax', window );">Provision for income tax expense</a></td>
        <td class="nump">69<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">4<span></span></td>
        <td class="num">(122)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent', window );">Net of tax</a></td>
        <td class="num">(135)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Amortization of defined benefit items</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss', window );">Estimated net loss that will be amortized from accumulated other comprehensive income (loss)</a></td>
        <td class="nump">683<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit', window );">Estimated prior service cost that will be amortized from accumulated other comprehensive income (loss)</a></td>
        <td class="num">(10)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation', window );">Transition asset</a></td>
        <td class="num">(4)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax', window );">Total before tax</a></td>
        <td class="nump">669<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax', window );">Provision for income tax expense</a></td>
        <td class="num">(228)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax', window );">Net of tax</a></td>
        <td class="nump">441<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss', window );">Total reclassifications for the period</a></td>
        <td class="nump">$ 306<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr>
        <td colspan="5"></td>
      </tr>
      <tr>
        <td colspan="5">
          <table class="outerFootnotes" width="100%">
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[1]</td>
              <td style="vertical-align: top;" valign="top">These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).</td>
            </tr>
          </table>
        </td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amounts Reclassified From Accumulated Other Comprehensive Income Loss</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount included in accumulated other comprehensive income (AOCI) related to transition obligation (asset) expected to be recognized as components of net periodic benefit cost (credit) for the fiscal year that follows the most recent annual statement of financial position.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (s)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAmortizationOfNetTransitionAssetObligation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount included in accumulated other comprehensive income (AOCI) related to gain (loss) expected to be recognized as components of net periodic benefit cost for the fiscal year that follows the most recent annual statement of financial position.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanFutureAmortizationOfGainLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount included in accumulated other comprehensive income (AOCI) related to prior service cost (credit) expected to be recognized as components of net periodic benefit cost for the fiscal year that follows the most recent annual statement of financial position.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanFutureAmortizationOfPriorServiceCostCredit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net realized gain (loss) on investments sold during the period, not including gains (losses) on securities separately or otherwise categorized as trading, available-for-sale, or held-to-maturity, which, for cash flow reporting, is a component of proceeds from investing activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSaleOfInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax and reclassification adjustments, of appreciation (loss) in value of unsold available-for-sale securities, attributable to parent entity. Excludes amounts related to other than temporary impairment (OTTI) loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesAdjustmentNetOfTaxPortionAttributableToParent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before tax of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e689-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax expense (benefit) of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e640-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before tax of reclassification adjustment from accumulated other comprehensive income (loss) for actuarial gain (loss) related to pension and other postretirement benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e689-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of reclassification adjustment from accumulated other comprehensive income (loss) for actuarial gain (loss) related to pension and other postretirement benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e689-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax expense (benefit) of reclassification adjustment from accumulated other comprehensive income (loss) for actuarial gain (loss) related to pension and other postretirement benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e689-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e640-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>55
<FILENAME>R62.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EFKBK">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>INVESTMENT SECURITIES (Schedule of Contractual Maturities of Securities) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract', window );"><strong>Contractual maturities of securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Available for Sale, Cost Basis, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">Available for Sale, Cost Basis, After 1 year but within 5 years</a></td>
        <td class="nump">15,733<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">Available for Sale, Cost Basis, After 5 years but within 10 years</a></td>
        <td class="nump">17,379<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis', window );">Available for Sale, Cost Basis, After 10 years but within15 years</a></td>
        <td class="nump">64,347<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost', window );">Available for Sale, Cost Basis, Over 15 years</a></td>
        <td class="nump">42,939<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost', window );">Available for Sale, Cost Basis, Total</a></td>
        <td class="nump">140,398<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear', window );">Available for Sale, Within 1 year, Yield</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">Available for Sale, After 1 year but within 5 years, Yield</a></td>
        <td class="nump">1.90%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears', window );">Available for Sale, After 5 year but within 10 years, Yield</a></td>
        <td class="nump">2.59%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears', window );">Available for Sale, After 10 year but within 15 years, Yield</a></td>
        <td class="nump">2.74%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Available for Sale, Over 15 years, Yield</a></td>
        <td class="nump">2.74%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield', window );">Available for Sale, Yield, Total</a></td>
        <td class="nump">2.63%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Available for Sale, Fair Value, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Available for Sale, Fair Value, After 1 year but within 5 years</a></td>
        <td class="nump">15,779<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Available for Sale, Fair Value, After 5 years but within 10 years</a></td>
        <td class="nump">17,486<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">Available for Sale, Fair Value, After 10 years but within15 years</a></td>
        <td class="nump">64,751<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Available for Sale, Fair Value, Over 15 years</a></td>
        <td class="nump">43,962<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for Sale, Fair Value, Total</a></td>
        <td class="nump">141,978<span></span></td>
        <td class="nump">151,538<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount', window );">Held to Maturity, Cost Basis, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, After 1 year but within 5 years</a></td>
        <td class="nump">3,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, After 5 years but within 10 years</a></td>
        <td class="nump">1,760<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, After 10 years but within 15 years</a></td>
        <td class="nump">1,011<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, Over 15 years</a></td>
        <td class="nump">12,416<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Held to Maturity, Cost Basis, Total</a></td>
        <td class="nump">18,187<span></span></td>
        <td class="nump">13,723<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear', window );">Held to Maturity, Within 1 year, Yield</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">Held to Maturity, After 1 year but within 5 years, Yield</a></td>
        <td class="nump">1.46%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears', window );">Held to Maturity, After 5 years but within 10 years, Yield</a></td>
        <td class="nump">2.10%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears', window );">Held to Maturity, After 10 years but within 15 years, Yield</a></td>
        <td class="nump">3.14%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Held to Maturity, Over 15 years, Yield</a></td>
        <td class="nump">3.62%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYield', window );">Held to Maturity, Yield, Total</a></td>
        <td class="nump">3.09%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Held to Maturity, Fair Value, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Held to Maturity, Fair Value, After 1 year but within 5 years</a></td>
        <td class="nump">2,966<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Held to Maturity, Fair Value, After 5 years but within 10 years</a></td>
        <td class="nump">1,618<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">Held to Maturity, Fair Value, After 10 years but within 15 years</a></td>
        <td class="nump">891<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Held to Maturity, Fair Value, Over 15 years</a></td>
        <td class="nump">12,313<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Held to Maturity, Fair Value, Total</a></td>
        <td class="nump">17,788<span></span></td>
        <td class="nump">14,266<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Agency [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract', window );"><strong>Contractual maturities of securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Available for Sale, Cost Basis, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">Available for Sale, Cost Basis, After 1 year but within 5 years</a></td>
        <td class="nump">5,926<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">Available for Sale, Cost Basis, After 5 years but within 10 years</a></td>
        <td class="nump">1,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis', window );">Available for Sale, Cost Basis, After 10 years but within15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost', window );">Available for Sale, Cost Basis, Over 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost', window );">Available for Sale, Cost Basis, Total</a></td>
        <td class="nump">6,926<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear', window );">Available for Sale, Within 1 year, Yield</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">Available for Sale, After 1 year but within 5 years, Yield</a></td>
        <td class="nump">1.50%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears', window );">Available for Sale, After 5 year but within 10 years, Yield</a></td>
        <td class="nump">1.43%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears', window );">Available for Sale, After 10 year but within 15 years, Yield</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Available for Sale, Over 15 years, Yield</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield', window );">Available for Sale, Yield, Total</a></td>
        <td class="nump">1.49%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Available for Sale, Fair Value, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Available for Sale, Fair Value, After 1 year but within 5 years</a></td>
        <td class="nump">5,898<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Available for Sale, Fair Value, After 5 years but within 10 years</a></td>
        <td class="nump">937<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">Available for Sale, Fair Value, After 10 years but within15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Available for Sale, Fair Value, Over 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for Sale, Fair Value, Total</a></td>
        <td class="nump">6,835<span></span></td>
        <td class="nump">5,911<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Agency mortgage-backed securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract', window );"><strong>Contractual maturities of securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Available for Sale, Cost Basis, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">Available for Sale, Cost Basis, After 1 year but within 5 years</a></td>
        <td class="nump">1,813<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">Available for Sale, Cost Basis, After 5 years but within 10 years</a></td>
        <td class="nump">12,381<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis', window );">Available for Sale, Cost Basis, After 10 years but within15 years</a></td>
        <td class="nump">64,347<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost', window );">Available for Sale, Cost Basis, Over 15 years</a></td>
        <td class="nump">42,939<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost', window );">Available for Sale, Cost Basis, Total</a></td>
        <td class="nump">121,480<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear', window );">Available for Sale, Within 1 year, Yield</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">Available for Sale, After 1 year but within 5 years, Yield</a></td>
        <td class="nump">4.54%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears', window );">Available for Sale, After 5 year but within 10 years, Yield</a></td>
        <td class="nump">2.88%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears', window );">Available for Sale, After 10 year but within 15 years, Yield</a></td>
        <td class="nump">2.74%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Available for Sale, Over 15 years, Yield</a></td>
        <td class="nump">2.74%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield', window );">Available for Sale, Yield, Total</a></td>
        <td class="nump">2.78%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Available for Sale, Fair Value, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Available for Sale, Fair Value, After 1 year but within 5 years</a></td>
        <td class="nump">1,934<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Available for Sale, Fair Value, After 5 years but within 10 years</a></td>
        <td class="nump">12,735<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">Available for Sale, Fair Value, After 10 years but within15 years</a></td>
        <td class="nump">64,751<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Available for Sale, Fair Value, Over 15 years</a></td>
        <td class="nump">43,962<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for Sale, Fair Value, Total</a></td>
        <td class="nump">123,382<span></span></td>
        <td class="nump">137,735<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount', window );">Held to Maturity, Cost Basis, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, After 1 year but within 5 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, After 5 years but within 10 years</a></td>
        <td class="nump">1,760<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, After 10 years but within 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, Over 15 years</a></td>
        <td class="nump">10,911<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Held to Maturity, Cost Basis, Total</a></td>
        <td class="nump">12,671<span></span></td>
        <td class="nump">9,318<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear', window );">Held to Maturity, Within 1 year, Yield</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">Held to Maturity, After 1 year but within 5 years, Yield</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears', window );">Held to Maturity, After 5 years but within 10 years, Yield</a></td>
        <td class="nump">2.10%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears', window );">Held to Maturity, After 10 years but within 15 years, Yield</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Held to Maturity, Over 15 years, Yield</a></td>
        <td class="nump">3.49%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYield', window );">Held to Maturity, Yield, Total</a></td>
        <td class="nump">3.30%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Held to Maturity, Fair Value, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Held to Maturity, Fair Value, After 1 year but within 5 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Held to Maturity, Fair Value, After 5 years but within 10 years</a></td>
        <td class="nump">1,618<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">Held to Maturity, Fair Value, After 10 years but within 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Held to Maturity, Fair Value, Over 15 years</a></td>
        <td class="nump">10,865<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Held to Maturity, Fair Value, Total</a></td>
        <td class="nump">12,483<span></span></td>
        <td class="nump">9,896<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate bonds [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract', window );"><strong>Contractual maturities of securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Available for Sale, Cost Basis, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">Available for Sale, Cost Basis, After 1 year but within 5 years</a></td>
        <td class="nump">7,994<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">Available for Sale, Cost Basis, After 5 years but within 10 years</a></td>
        <td class="nump">3,998<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis', window );">Available for Sale, Cost Basis, After 10 years but within15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost', window );">Available for Sale, Cost Basis, Over 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost', window );">Available for Sale, Cost Basis, Total</a></td>
        <td class="nump">11,992<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear', window );">Available for Sale, Within 1 year, Yield</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">Available for Sale, After 1 year but within 5 years, Yield</a></td>
        <td class="nump">1.56%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears', window );">Available for Sale, After 5 year but within 10 years, Yield</a></td>
        <td class="nump">1.91%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears', window );">Available for Sale, After 10 year but within 15 years, Yield</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Available for Sale, Over 15 years, Yield</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield', window );">Available for Sale, Yield, Total</a></td>
        <td class="nump">1.68%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Available for Sale, Fair Value, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Available for Sale, Fair Value, After 1 year but within 5 years</a></td>
        <td class="nump">7,947<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Available for Sale, Fair Value, After 5 years but within 10 years</a></td>
        <td class="nump">3,814<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">Available for Sale, Fair Value, After 10 years but within15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Available for Sale, Fair Value, Over 15 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for Sale, Fair Value, Total</a></td>
        <td class="nump">11,761<span></span></td>
        <td class="nump">7,892<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate bonds and other securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract', window );"><strong>Contractual maturities of securities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount', window );">Held to Maturity, Cost Basis, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, After 1 year but within 5 years</a></td>
        <td class="nump">3,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, After 5 years but within 10 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, After 10 years but within 15 years</a></td>
        <td class="nump">1,011<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount', window );">Held to Maturity, Cost Basis, Over 15 years</a></td>
        <td class="nump">1,505<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Held to Maturity, Cost Basis, Total</a></td>
        <td class="nump">5,516<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear', window );">Held to Maturity, Within 1 year, Yield</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears', window );">Held to Maturity, After 1 year but within 5 years, Yield</a></td>
        <td class="nump">1.46%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears', window );">Held to Maturity, After 5 years but within 10 years, Yield</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears', window );">Held to Maturity, After 10 years but within 15 years, Yield</a></td>
        <td class="nump">3.14%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears', window );">Held to Maturity, Over 15 years, Yield</a></td>
        <td class="nump">4.54%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYield', window );">Held to Maturity, Yield, Total</a></td>
        <td class="nump">2.61%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Held to Maturity, Fair Value, Within 1 year</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Held to Maturity, Fair Value, After 1 year but within 5 years</a></td>
        <td class="nump">2,966<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Held to Maturity, Fair Value, After 5 years but within 10 years</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue', window );">Held to Maturity, Fair Value, After 10 years but within 15 years</a></td>
        <td class="nump">891<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue', window );">Held to Maturity, Fair Value, Over 15 years</a></td>
        <td class="nump">1,448<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Held to Maturity, Fair Value, Total</a></td>
        <td class="nump">$ 5,305<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Available-for-sale securities debt maturities after fifteen years amortized cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Available-for-sale securities debt maturities after fifteen years fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterFifteenYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Available-for-sale securities debt maturities after ten through fifteen years amortized cost basis.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsAmortizedCostBasis</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Available-for-sale securities debt maturities after ten through fifteen years fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableforsaleSecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYield">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableForSaleSecuritiesDebtMaturitiesYield</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are expected to mature after fifteen years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are expected to mature after five years through ten years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are expected to mature after one year through five years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are expected to mature after ten years through fifteen years of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are expected to mature within one year of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldWithinOneYear</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Held-to-maturity securities debt maturities after fifteen years fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Held-to-maturity securities debt maturities after fifteen years net carrying amount.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterFifteenYearsNetCarryingAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of held-to-maturity debt securities at fair value maturing in the tenth fiscal year through the fifteenth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing in the tenth through fifteenth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_HeldtomaturitySecuritiesDebtMaturitiesAfterTenThroughFifteenYearsNetCarryingAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYield">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_HeldToMaturitySecuritiesDebtMaturitiesYield</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are expected to mature after fifteen years from the balance sheet date which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFifteenYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are expected to mature after five years and through ten years from the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are expected to mature after one year and through five years from the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent of debt securities which are expected to mature after ten years and through fifteen years from the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the yield percent for debt securities which are expected to mature within one year of the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldWithinOneYear</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at cost, net of adjustments, maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at fair value maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at cost, net of adjustments, maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at fair value maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at cost, net of adjustments, which include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at cost, net of adjustments, maturing in the next fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of available-for-sale debt securities at fair value maturing in the next fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27198-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after other than temporary impairment (OTTI) accretion, of investments in debt securities classified as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of held-to-maturity debt securities at fair value maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing in the fifth through tenth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of held-to-maturity debt securities at fair value maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing in the next fiscal year through the fifth fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of held-to-maturity debt securities at fair value maturing in the next fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount of debt securities accounted for as held-to-maturity, net of adjustments including, but not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized, and fair value hedge accounting adjustments, maturing in the next fiscal year following the latest fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value of investments in debt securities classified as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>56
<FILENAME>Financial_Report.xls
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xls
M[[N_34E-12U697)S:6]N.B`Q+C`-"E@M1&]C=6UE;G0M5'EP93H@5V]R:V)O
M;VL-"D-O;G1E;G0M5'EP93H@;75L=&EP87)T+W)E;&%T960[(&)O=6YD87)Y
M/2(M+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P
M-S8Q,SDQ-F,B#0H-"E1H:7,@9&]C=6UE;G0@:7,@82!3:6YG;&4@1FEL92!7
M96(@4&%G92P@86QS;R!K;F]W;B!A<R!A(%=E8B!!<F-H:79E(&9I;&4N("!)
M9B!Y;W4@87)E('-E96EN9R!T:&ES(&UE<W-A9V4L('EO=7(@8G)O=W-E<B!O
M<B!E9&ET;W(@9&]E<VXG="!S=7!P;W)T(%=E8B!!<F-H:79E(&9I;&5S+B`@
M4&QE87-E(&1O=VYL;V%D(&$@8G)O=W-E<B!T:&%T('-U<'!O<G1S(%=E8B!!
M<F-H:79E+"!S=6-H(&%S($UI8W)O<V]F="!);G1E<FYE="!%>'!L;W)E<BX-
M"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W
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M;V9T+6-O;3IO9F9I8V4Z97AC96PB('AM;&YS/3-$(FAT='`Z+R]W=W<N=S,N
M;W)G+U12+U)%0RUH=&UL-#`B/@T*/&AE860^#0H\;65T82!N86UE/3-$(D5X
M8V5L(%=O<FMB;V]K($9R86UE<V5T(CX-"@T*/&UE=&$@;F%M93TS1%!R;V=)
M9"!C;VYT96YT/3-$17AC96PN4VAE970^#0H\;&EN:R!R96P],T1&:6QE+4QI
M<W0@:')E9CTS1")7;W)K<VAE971S+V9I;&5L:7-T+GAM;"(^#0H-"CPA+2U;
M:68@9W1E(&US;R`Y73X\>&UL/@T*(#QX.D5X8V5L5V]R:V)O;VL^#0H@(#QX
M.D5X8V5L5V]R:W-H965T<SX-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@
M(#QX.DYA;64^1&]C=6UE;G1?86YD7T5N=&ET>5]);F9O<FUA=&EO/"]X.DYA
M;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T
M<R]3:&5E=#`Q+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@
M(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^0T].4T],241!5$5$
M7T)!3$%.0T5?4TA%1513/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U
M<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#`R+FAT;6PB+SX-"B`@(#PO
M>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@
M(#QX.DYA;64^0T].4T],241!5$5$7T)!3$%.0T5?4TA%15137U!A/"]X.DYA
M;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T
M<R]3:&5E=#`S+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@
M(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^0T].4T],241!5$5$
M7U-4051%345.5%-?3T9?3U!%/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T
M4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#`T+FAT;6PB+SX-"B`@
M(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*
M("`@(#QX.DYA;64^0T].4T],241!5$5$7U-4051%345.5%-?3T9?0T]-/"]X
M.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H
M965T<R]3:&5E=#`U+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-
M"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^0T].4T],241!
M5$5$7U-4051%345.5%-?3T9?0TA!/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H
M965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#`V+FAT;6PB+SX-
M"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T
M/@T*("`@(#QX.DYA;64^0T].4T],241!5$5$7U-4051%345.5%-?3T9?0TA!
M,3PO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O
M<FMS:&5E=',O4VAE970P-RYH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE
M970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/D-/3E-/
M3$E$051%1%]35$%414U%3E137T]&7T-!4SPO>#I.86UE/@T*("`@(#QX.E=O
M<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970P."YH=&UL
M(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS
M:&5E=#X-"B`@("`\>#I.86UE/E-534U!4EE?3T9?4TE'3DE&24-!3E1?04-#
M3U5.5#PO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$
M(E=O<FMS:&5E=',O4VAE970P.2YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K
M<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/D-!
M4TA?04Y$7T1515]&4D]-7T1%4$]3251/4EE?23PO>#I.86UE/@T*("`@(#QX
M.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970Q,"YH
M=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O
M<FMS:&5E=#X-"B`@("`\>#I.86UE/DE.5D535$U%3E1?4T5#55))5$E%4SPO
M>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS
M:&5E=',O4VAE970Q,2YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^
M#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/DQ/04Y3/"]X
M.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H
M965T<R]3:&5E=#$R+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-
M"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^04Q,3U=!3D-%
M7T9/4E],3T%.7TQ/4U-%4SPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O
M=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970Q,RYH=&UL(B\^#0H@("`\
M+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@
M("`\>#I.86UE/DY/3E!%4D9/4DU)3D=?05-315137TE.0TQ51$E.1SPO>#I.
M86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E
M=',O4VAE970Q-"YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@
M("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/E!214U)4T537T%.
M1%]%455)4$U%3E0\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@
M2%)E9CTS1")7;W)K<VAE971S+U-H965T,34N:'1M;"(O/@T*("`@/"]X.D5X
M8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z
M3F%M93Y$15!/4TE44SPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C
M92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970Q-BYH=&UL(B\^#0H@("`\+W@Z
M17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\
M>#I.86UE/E-(3U)45$5235]"3U)23U=)3D=3/"]X.DYA;64^#0H@("`@/'@Z
M5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#$W+FAT
M;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R
M:W-H965T/@T*("`@(#QX.DYA;64^041604Y#15-?1E)/35]&141%4D%,7TA/
M345?3$]!/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968]
M,T0B5V]R:W-H965T<R]3:&5E=#$X+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O
M<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^
M1$E30TQ/4U5215-?04)/551?1D%)4E]604Q515]-/"]X.DYA;64^#0H@("`@
M/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#$Y
M+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L
M5V]R:W-H965T/@T*("`@(#QX.DYA;64^1$E30TQ/4U5215-?04)/551?1D%)
M4E]604Q515]//"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2
M968],T0B5V]R:W-H965T<R]3:&5E=#(P+FAT;6PB+SX-"B`@(#PO>#I%>&-E
M;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA
M;64^24Y#3TU%7U1!6$53/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U
M<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#(Q+FAT;6PB+SX-"B`@(#PO
M>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@
M(#QX.DYA;64^14U03$]9145?0D5.149)5%]03$%.4SPO>#I.86UE/@T*("`@
M(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970R
M,BYH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E
M;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/DQ%05-%7T-/34U)5$U%3E13/"]X
M.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H
M965T<R]3:&5E=#(S+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-
M"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^0T]-34E4345.
M5%-?04Y$7T-/3E1)3D=%3E1?3$E!/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H
M965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#(T+FAT;6PB+SX-
M"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T
M/@T*("`@(#QX.DYA;64^4%)%1D524D5$7U-43T-+/"]X.DYA;64^#0H@("`@
M/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#(U
M+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L
M5V]R:W-H965T/@T*("`@(#QX.DYA;64^4U1/0TM?0T]-4$5.4T%424].7U!,
M04Y3/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B
M5V]R:W-H965T<R]3:&5E=#(V+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS
M:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^04-#
M54U53$%4141?3U1(15)?0T]-4%)%2$5.4TE6/"]X.DYA;64^#0H@("`@/'@Z
M5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#(W+FAT
M;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R
M:W-H965T/@T*("`@(#QX.DYA;64^24Y404Y'24),15]!4U-%5%,\+W@Z3F%M
M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S
M+U-H965T,C@N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@
M/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y$15))5D%4259%7TA%
M1$=)3D=?24Y35%)5345.5%,\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713
M;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T,CDN:'1M;"(O/@T*("`@
M/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@
M("`@/'@Z3F%M93Y314=-14Y47U)%4U5,5%,\+W@Z3F%M93X-"B`@("`\>#I7
M;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T,S`N:'1M
M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K
M<VAE970^#0H@("`@/'@Z3F%M93Y214=53$%43U)97T-!4$E404P\+W@Z3F%M
M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S
M+U-H965T,S$N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@
M/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y005)%3E1?0T]-4$%.
M65]&24Y!3D-)04Q?24Y&3U(\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713
M;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T,S(N:'1M;"(O/@T*("`@
M/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@
M("`@/'@Z3F%M93Y314Q%0U1%1%]154%25$523%E?0T].4T],241!5$4\+W@Z
M3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE
M971S+U-H965T,S,N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*
M("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y354U-05)97T]&
M7U-)1TY)1DE#04Y47T%#0T]53E0Q/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H
M965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#,T+FAT;6PB+SX-
M"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T
M/@T*("`@(#QX.DYA;64^4U5-34%265]/1E]324=.249)0T%.5%]!0T-/54Y4
M,CPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O
M<FMS:&5E=',O4VAE970S-2YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE
M970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/DE.5D53
M5$U%3E1?4T5#55))5$E%4U]486)L97,\+W@Z3F%M93X-"B`@("`\>#I7;W)K
M<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T,S8N:'1M;"(O
M/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE
M970^#0H@("`@/'@Z3F%M93Y,3T%.4U]486)L97,\+W@Z3F%M93X-"B`@("`\
M>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T,S<N
M:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7
M;W)K<VAE970^#0H@("`@/'@Z3F%M93Y!3$Q/5T%.0T5?1D]27TQ/04Y?3$]3
M4T537U1A8FP\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E
M9CTS1")7;W)K<VAE971S+U-H965T,S@N:'1M;"(O/@T*("`@/"]X.D5X8V5L
M5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M
M93Y.3TY015)&3U)-24Y'7T%34T544U])3D-,541)3D<Q/"]X.DYA;64^#0H@
M("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E
M=#,Y+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X
M8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^4%)%34E315-?04Y$7T5154E0
M345.5%]486)L97,\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@
M2%)E9CTS1")7;W)K<VAE971S+U-H965T-#`N:'1M;"(O/@T*("`@/"]X.D5X
M8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z
M3F%M93Y$15!/4TE44U]486)L97,\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE
M9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T-#$N:'1M;"(O/@T*
M("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^
M#0H@("`@/'@Z3F%M93Y32$]25%1%4DU?0D]24D]724Y'4U]486)L97,\+W@Z
M3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE
M971S+U-H965T-#(N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*
M("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y!1%9!3D-%4U]&
M4D]-7T9%1$5204Q?2$]-15],3T$Q/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H
M965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#0S+FAT;6PB+SX-
M"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T
M/@T*("`@(#QX.DYA;64^1$E30TQ/4U5215-?04)/551?1D%)4E]604Q515]-
M,3PO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O
M<FMS:&5E=',O4VAE970T-"YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE
M970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/D1)4T-,
M3U-54D537T%"3U547T9!25)?5D%,545?3S$\+W@Z3F%M93X-"B`@("`\>#I7
M;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T-#4N:'1M
M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K
M<VAE970^#0H@("`@/'@Z3F%M93Y)3D-/345?5$%815-?5&%B;&5S/"]X.DYA
M;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T
M<R]3:&5E=#0V+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@
M(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^14U03$]9145?0D5.
M149)5%]03$%.4U]486)L97,\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713
M;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T-#<N:'1M;"(O/@T*("`@
M/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@
M("`@/'@Z3F%M93Y,14%315]#3TU-251-14Y44U]486)L97,\+W@Z3F%M93X-
M"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H
M965T-#@N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z
M17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y04D5&15)2141?4U1/0TM?
M5&%B;&5S/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968]
M,T0B5V]R:W-H965T<R]3:&5E=#0Y+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O
M<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^
M4U1/0TM?0T]-4$5.4T%424].7U!,04Y37U1A8FQE/"]X.DYA;64^#0H@("`@
M/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#4P
M+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L
M5V]R:W-H965T/@T*("`@(#QX.DYA;64^04-#54U53$%4141?3U1(15)?0T]-
M4%)%2$5.4TE6,3PO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(
M4F5F/3-$(E=O<FMS:&5E=',O4VAE970U,2YH=&UL(B\^#0H@("`\+W@Z17AC
M96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.
M86UE/D1%4DE6051)5D5?2$5$1TE.1U])3E-44E5-14Y44S$\+W@Z3F%M93X-
M"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H
M965T-3(N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z
M17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y314=-14Y47U)%4U5,5%-?
M5&%B;&5S/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968]
M,T0B5V]R:W-H965T<R]3:&5E=#4S+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O
M<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^
M4D5'54Q!5$]265]#05!)5$%,7U1A8FQE<SPO>#I.86UE/@T*("`@(#QX.E=O
M<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970U-"YH=&UL
M(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS
M:&5E=#X-"B`@("`\>#I.86UE/E!!4D5.5%]#3TU004Y97T9)3D%.0TE!3%])
M3D9/4C$\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS
M1")7;W)K<VAE971S+U-H965T-34N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R
M:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y3
M14Q%0U1%1%]154%25$523%E?0T].4T],241!5$4Q/"]X.DYA;64^#0H@("`@
M/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#4V
M+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L
M5V]R:W-H965T/@T*("`@(#QX.DYA;64^4U5-34%265]/1E]324=.249)0T%.
M5%]!0T-/54Y4,SPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(
M4F5F/3-$(E=O<FMS:&5E=',O4VAE970U-RYH=&UL(B\^#0H@("`\+W@Z17AC
M96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.
M86UE/E-534U!4EE?3T9?4TE'3DE&24-!3E1?04-#3U5.5#0\+W@Z3F%M93X-
M"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H
M965T-3@N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z
M17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y354U-05)97T]&7U-)1TY)
M1DE#04Y47T%#0T]53E0U/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U
M<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#4Y+FAT;6PB+SX-"B`@(#PO
M>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@
M(#QX.DYA;64^0T%32%]!3D1?1%5%7T923TU?1$503U-)5$]265]),3PO>#I.
M86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E
M=',O4VAE970V,"YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@
M("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/DE.5D535$U%3E1?
M4T5#55))5$E%4U]38VAE9'5L93PO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E
M=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970V,2YH=&UL(B\^#0H@
M("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-
M"B`@("`\>#I.86UE/DE.5D535$U%3E1?4T5#55))5$E%4U]38VAE9'5L93$\
M+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K
M<VAE971S+U-H965T-C(N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T
M/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y)3E9%4U1-
M14Y47U-%0U52251)15-?4V-H961U;&4R/"]X.DYA;64^#0H@("`@/'@Z5V]R
M:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#8S+FAT;6PB
M+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H
M965T/@T*("`@(#QX.DYA;64^24Y615-4345.5%]314-54DE424537TYA<G)A
M=&EV/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B
M5V]R:W-H965T<R]3:&5E=#8T+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS
M:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^3$]!
M3E-?4W5M;6%R>5]O9E],;V%N7U!O<G1F;VQI/"]X.DYA;64^#0H@("`@/'@Z
M5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#8U+FAT
M;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R
M:W-H965T/@T*("`@(#QX.DYA;64^3$]!3E-?3F%R871I=F5?1&5T86EL<SPO
M>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS
M:&5E=',O4VAE970V-BYH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^
M#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/D%,3$]704Y#
M15]&3U)?3$]!3E],3U-315-?4F]L;#PO>#I.86UE/@T*("`@(#QX.E=O<FMS
M:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970V-RYH=&UL(B\^
M#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E
M=#X-"B`@("`\>#I.86UE/D%,3$]704Y#15]&3U)?3$]!3E],3U-315-?4W5M
M;3PO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O
M<FMS:&5E=',O4VAE970V."YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE
M970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/D%,3$]7
M04Y#15]&3U)?3$]!3E],3U-315-?4V-H93PO>#I.86UE/@T*("`@(#QX.E=O
M<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970V.2YH=&UL
M(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS
M:&5E=#X-"B`@("`\>#I.86UE/D%,3$]704Y#15]&3U)?3$]!3E],3U-315-?
M079E<CPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$
M(E=O<FMS:&5E=',O4VAE970W,"YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K
M<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/D%,
M3$]704Y#15]&3U)?3$]!3E],3U-315-?3&]A;CPO>#I.86UE/@T*("`@(#QX
M.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970W,2YH
M=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O
M<FMS:&5E=#X-"B`@("`\>#I.86UE/D%,3$]704Y#15]&3U)?3$]!3E],3U-3
M15-?4&5R9CPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F
M/3-$(E=O<FMS:&5E=',O4VAE970W,BYH=&UL(B\^#0H@("`\+W@Z17AC96Q7
M;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE
M/D%,3$]704Y#15]&3U)?3$]!3E],3U-315-?0VQA<SPO>#I.86UE/@T*("`@
M(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970W
M,RYH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E
M;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/D%,3$]704Y#15]&3U)?3$]!3E],
M3U-315-?3F%R<CPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(
M4F5F/3-$(E=O<FMS:&5E=',O4VAE970W-"YH=&UL(B\^#0H@("`\+W@Z17AC
M96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.
M86UE/DY/3E!%4D9/4DU)3D=?05-315137TE.0TQ51$E.1S(\+W@Z3F%M93X-
M"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H
M965T-S4N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z
M17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y.3TY015)&3U)-24Y'7T%3
M4T544U])3D-,541)3D<S/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U
M<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#<V+FAT;6PB+SX-"B`@(#PO
M>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@
M(#QX.DYA;64^3D].4$521D]234E.1U]!4U-%5%-?24Y#3%5$24Y'-#PO>#I.
M86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E
M=',O4VAE970W-RYH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@
M("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/DY/3E!%4D9/4DU)
M3D=?05-315137TE.0TQ51$E.1S4\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE
M9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T-S@N:'1M;"(O/@T*
M("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^
M#0H@("`@/'@Z3F%M93Y.3TY015)&3U)-24Y'7T%34T544U])3D-,541)3D<V
M/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R
M:W-H965T<R]3:&5E=#<Y+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E
M=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^4%)%34E3
M15-?04Y$7T5154E0345.5%]$971A:6QS/"]X.DYA;64^#0H@("`@/'@Z5V]R
M:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#@P+FAT;6PB
M+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H
M965T/@T*("`@(#QX.DYA;64^1$503U-)5%-?4V-H961U;&5?;V9?0F%L86YC
M97-?/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B
M5V]R:W-H965T<R]3:&5E=#@Q+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS
M:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^1$50
M3U-)5%-?4V-H961U;&5?;V9?26YT97)E<W1?/"]X.DYA;64^#0H@("`@/'@Z
M5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#@R+FAT
M;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R
M:W-H965T/@T*("`@(#QX.DYA;64^1$503U-)5%-?4V-H961U;&5?;V9?0F%L
M86YC97-?,3PO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F
M/3-$(E=O<FMS:&5E=',O4VAE970X,RYH=&UL(B\^#0H@("`\+W@Z17AC96Q7
M;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE
M/D1%4$]325137U-C:&5D=6QE7V]F7TUA='5R:71I93PO>#I.86UE/@T*("`@
M(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970X
M-"YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E
M;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/E-(3U)45$5235]"3U)23U=)3D=3
M7T1E=&%I;',\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E
M9CTS1")7;W)K<VAE971S+U-H965T.#4N:'1M;"(O/@T*("`@/"]X.D5X8V5L
M5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M
M93Y!1%9!3D-%4U]&4D]-7T9%1$5204Q?2$]-15],3T$R/"]X.DYA;64^#0H@
M("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E
M=#@V+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X
M8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^041604Y#15-?1E)/35]&141%
M4D%,7TA/345?3$]!,SPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C
M92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970X-RYH=&UL(B\^#0H@("`\+W@Z
M17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\
M>#I.86UE/D1)4T-,3U-54D537T%"3U547T9!25)?5D%,545?33(\+W@Z3F%M
M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S
M+U-H965T.#@N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@
M/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y$25-#3$]355)%4U]!
M0D]55%]&04E27U9!3%5%7TTS/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T
M4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#@Y+FAT;6PB+SX-"B`@
M(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*
M("`@(#QX.DYA;64^1$E30TQ/4U5215-?04)/551?1D%)4E]604Q515]--#PO
M>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS
M:&5E=',O4VAE970Y,"YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^
M#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/D1)4T-,3U-5
M4D537T%"3U547T9!25)?5D%,545?3S(\+W@Z3F%M93X-"B`@("`\>#I7;W)K
M<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T.3$N:'1M;"(O
M/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE
M970^#0H@("`@/'@Z3F%M93Y)3D-/345?5$%815-?4V-H961U;&5?;V9?17AP
M96X\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7
M;W)K<VAE971S+U-H965T.3(N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H
M965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y)3D-/
M345?5$%815-?4V-H961U;&5?;V9?4F5C;VX\+W@Z3F%M93X-"B`@("`\>#I7
M;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T.3,N:'1M
M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K
M<VAE970^#0H@("`@/'@Z3F%M93Y)3D-/345?5$%815-?4V-H961U;&5?;V9?
M1&5F97(\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS
M1")7;W)K<VAE971S+U-H965T.30N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R
M:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y)
M3D-/345?5$%815-?4V-H961U;&5?;V9?0VAA;F<\+W@Z3F%M93X-"B`@("`\
M>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T.34N
M:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7
M;W)K<VAE970^#0H@("`@/'@Z3F%M93Y)3D-/345?5$%815-?3F%R<F%T:79E
M7T1E=&%I;',\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E
M9CTS1")7;W)K<VAE971S+U-H965T.38N:'1M;"(O/@T*("`@/"]X.D5X8V5L
M5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M
M93Y%35!,3UE%15]"14Y%1DE47U!,04Y37TYA<G)A=&D\+W@Z3F%M93X-"B`@
M("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T
M.3<N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC
M96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y%35!,3UE%15]"14Y%1DE47U!,
M04Y37U-C:&5D=6P\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@
M2%)E9CTS1")7;W)K<VAE971S+U-H965T.3@N:'1M;"(O/@T*("`@/"]X.D5X
M8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z
M3F%M93Y%35!,3UE%15]"14Y%1DE47U!,04Y37U-C:&5D=6PQ/"]X.DYA;64^
M#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3
M:&5E=#DY+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX
M.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^14U03$]9145?0D5.149)
M5%]03$%.4U]38VAE9'5L,CPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O
M=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970Q,#`N:'1M;"(O/@T*("`@
M/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@
M("`@/'@Z3F%M93Y%35!,3UE%15]"14Y%1DE47U!,04Y37U-C:&5D=6PS/"]X
M.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H
M965T<R]3:&5E=#$P,2YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^
M#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/D5-4$Q/645%
M7T)%3D5&251?4$Q!3E-?4V-H961U;#0\+W@Z3F%M93X-"B`@("`\>#I7;W)K
M<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T,3`R+FAT;6PB
M+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H
M965T/@T*("`@(#QX.DYA;64^14U03$]9145?0D5.149)5%]03$%.4U]38VAE
M9'5L-3PO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$
M(E=O<FMS:&5E=',O4VAE970Q,#,N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R
M:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y%
M35!,3UE%15]"14Y%1DE47U!,04Y37U-C:&5D=6PV/"]X.DYA;64^#0H@("`@
M/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#$P
M-"YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E
M;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/D5-4$Q/645%7T)%3D5&251?4$Q!
M3E-?4V-H961U;#<\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@
M2%)E9CTS1")7;W)K<VAE971S+U-H965T,3`U+FAT;6PB+SX-"B`@(#PO>#I%
M>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX
M.DYA;64^14U03$]9145?0D5.149)5%]03$%.4U]38VAE9'5L.#PO>#I.86UE
M/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O
M4VAE970Q,#8N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@
M/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y%35!,3UE%15]"14Y%
M1DE47U!,04Y37U-C:&5D=6PY/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T
M4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#$P-RYH=&UL(B\^#0H@
M("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-
M"B`@("`\>#I.86UE/DQ%05-%7T-/34U)5$U%3E137T1E=&%I;',\+W@Z3F%M
M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S
M+U-H965T,3`X+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@
M(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^0T]-34E4345.5%-?
M04Y$7T-/3E1)3D=%3E1?3$E!,3PO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E
M=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970Q,#DN:'1M;"(O/@T*
M("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^
M#0H@("`@/'@Z3F%M93Y04D5&15)2141?4U1/0TM?4V-H961U;&5?;V9?4'(\
M+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K
M<VAE971S+U-H965T,3$P+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E
M=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^4%)%1D52
M4D5$7U-43T-+7TYA<G)A=&EV95]$971A/"]X.DYA;64^#0H@("`@/'@Z5V]R
M:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#$Q,2YH=&UL
M(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS
M:&5E=#X-"B`@("`\>#I.86UE/E-43T-+7T-/35!%3E-!5$E/3E]03$%.4U].
M87)R83PO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$
M(E=O<FMS:&5E=',O4VAE970Q,3(N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R
M:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y3
M5$]#2U]#3TU014Y3051)3TY?4$Q!3E-?4V-H960\+W@Z3F%M93X-"B`@("`\
M>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T,3$S
M+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L
M5V]R:W-H965T/@T*("`@(#QX.DYA;64^4U1/0TM?0T]-4$5.4T%424].7U!,
M04Y37U-C:&5D,3PO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(
M4F5F/3-$(E=O<FMS:&5E=',O4VAE970Q,30N:'1M;"(O/@T*("`@/"]X.D5X
M8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z
M3F%M93Y!0T-5355,051%1%]/5$A%4E]#3TU04D5(14Y3258R/"]X.DYA;64^
M#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3
M:&5E=#$Q-2YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\
M>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/D%#0U5-54Q!5$5$7T]4
M2$527T-/35!214A%3E-)5C,\+W@Z3F%M93X-"B`@("`\>#I7;W)K<VAE9713
M;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T,3$V+FAT;6PB+SX-"B`@
M(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R:W-H965T/@T*
M("`@(#QX.DYA;64^24Y404Y'24),15]!4U-%5%-?1&5T86EL<SPO>#I.86UE
M/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O
M4VAE970Q,3<N:'1M;"(O/@T*("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@
M/'@Z17AC96Q7;W)K<VAE970^#0H@("`@/'@Z3F%M93Y$15))5D%4259%7TA%
M1$=)3D=?24Y35%)5345.5%,R/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T
M4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3:&5E=#$Q."YH=&UL(B\^#0H@
M("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-
M"B`@("`\>#I.86UE/E-%1TU%3E1?4D5354Q44U]$971A:6QS/"]X.DYA;64^
M#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R:W-H965T<R]3
M:&5E=#$Q.2YH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE970^#0H@("`\
M>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/E)%1U5,051/4EE?0T%0
M251!3%]$971A:6QS/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E
M($A2968],T0B5V]R:W-H965T<R]3:&5E=#$R,"YH=&UL(B\^#0H@("`\+W@Z
M17AC96Q7;W)K<VAE970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\
M>#I.86UE/E!!4D5.5%]#3TU004Y97T9)3D%.0TE!3%])3D9/4C(\+W@Z3F%M
M93X-"B`@("`\>#I7;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S
M+U-H965T,3(Q+FAT;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@
M(#QX.D5X8V5L5V]R:W-H965T/@T*("`@(#QX.DYA;64^4$%214Y47T-/35!!
M3EE?1DE.04Y#24%,7TE.1D]2,SPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E
M=%-O=7)C92!(4F5F/3-$(E=O<FMS:&5E=',O4VAE970Q,C(N:'1M;"(O/@T*
M("`@/"]X.D5X8V5L5V]R:W-H965T/@T*("`@/'@Z17AC96Q7;W)K<VAE970^
M#0H@("`@/'@Z3F%M93Y005)%3E1?0T]-4$%.65]&24Y!3D-)04Q?24Y&3U(T
M/"]X.DYA;64^#0H@("`@/'@Z5V]R:W-H965T4V]U<F-E($A2968],T0B5V]R
M:W-H965T<R]3:&5E=#$R,RYH=&UL(B\^#0H@("`\+W@Z17AC96Q7;W)K<VAE
M970^#0H@("`\>#I%>&-E;%=O<FMS:&5E=#X-"B`@("`\>#I.86UE/E!!4D5.
M5%]#3TU004Y97T9)3D%.0TE!3%])3D9/4C4\+W@Z3F%M93X-"B`@("`\>#I7
M;W)K<VAE9713;W5R8V4@2%)E9CTS1")7;W)K<VAE971S+U-H965T,3(T+FAT
M;6PB+SX-"B`@(#PO>#I%>&-E;%=O<FMS:&5E=#X-"B`@(#QX.D5X8V5L5V]R
M:W-H965T/@T*("`@(#QX.DYA;64^4T5,14-4141?455!4E1%4DQ97T-/3E-/
M3$E$051%,CPO>#I.86UE/@T*("`@(#QX.E=O<FMS:&5E=%-O=7)C92!(4F5F
M/3-$(E=O<FMS:&5E=',O4VAE970Q,C4N:'1M;"(O/@T*("`@/"]X.D5X8V5L
M5V]R:W-H965T/@T*("`\+W@Z17AC96Q7;W)K<VAE971S/@T*("`\>#I3='EL
M97-H965T($A2968],T0B5V]R:W-H965T<R]R97!O<G0N8W-S(B\^#0H@(#QX
M.D%C=&EV95-H965T/C`\+W@Z06-T:79E4VAE970^#0H@(#QX.E!R;W1E8W13
M=')U8W1U<F4^1F%L<V4\+W@Z4')O=&5C=%-T<G5C='5R93X-"B`@/'@Z4')O
M=&5C=%=I;F1O=W,^1F%L<V4\+W@Z4')O=&5C=%=I;F1O=W,^#0H@/"]X.D5X
M8V5L5V]R:V)O;VL^#0H\+WAM;#X\(5ME;F1I9ETM+3X-"CPO:&5A9#X-"B`@
M/&)O9'D^#0H@("`\<#Y4:&ES('!A9V4@<VAO=6QD(&)E(&]P96YE9"!W:71H
M($UI8W)O<V]F="!%>&-E;"!84"!O<B!N97=E<BX\+W`^#0H@(#PO8F]D>3X-
M"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y
M-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z
M+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O
M<FMS:&5E=',O4VAE970P,2YH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D
M:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M
M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@
M("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G
M=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT
M+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H
M:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@
M/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P1592044^#0H@("`@("`\
M='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P
M86X],T0R/CQS=')O;F<^1&]C=6UE;G0@86YD($5N=&ET>2!);F9O<FUA=&EO
M;B`H55-$("0I/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1H(&-O;'-P86X],T0Q/C$R($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/CPO=&@^#0H@("`@("`@
M(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/CPO=&@^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q
M+"`R,#$S/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/DIA;BX@
M,S$L(#(P,30\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^2G5N
M+B`S,"P@,C`Q,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^/'-T<F]N9SY$;V-U;65N="!A;F0@16YT:71Y($EN9F]R;6%T:6]N(%M!
M8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^1&]C=6UE;G0@5'EP93PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)S$P+4L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^06UE;F1M96YT($9L86<\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B=F86QS93QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$;V-U;65N="!097)I;V0@
M16YD($1A=&4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/D1E8R`S
M,2P-"@D),C`Q,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y%;G1I='D@1FEL97(@0V%T96=O<GD\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B=3;6%L;&5R(%)E<&]R=&EN9R!#;VUP
M86YY/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D5N=&ET>2!296=I<W1R86YT($YA;64\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B=!345225-%4E8@1DE.04Y#24%,($E.0R`O4$$O
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D5N=&ET>2!#96YT<F%L($EN9&5X($ME>3PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)S`P,#`W,#<V,#4\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0W5R<F5N="!&:7-C86P@
M665A<B!%;F0@1&%T93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)RTM,3(M,S$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^1&]C=6UE;G0@1FES8V%L(%!E<FEO9"!&;V-U<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)T99/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D1O8W5M96YT($9I
M<V-A;"!996%R($9O8W5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG,C`Q,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y%;G1I='D@0V]M;6]N(%-T;V-K+"!3:&%R97,@3W5T<W1A
M;F1I;F<\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ."PW.#0L
M,3@X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^16YT:71Y(%!U8FQI8R!&;&]A=#PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XD(#4Q+#0V."PV-S4\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5N=&ET>2!796QL+6MN;W=N
M(%-E87-O;F5D($ES<W5E<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)TYO/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D5N=&ET>2!6;VQU;G1A<GD@1FEL97)S/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG3F\\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^16YT:71Y($-U<G)E;G0@4F5P
M;W)T:6YG(%-T871U<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)UEE<SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO
M=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R
M=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E
M;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR
M,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970P,BYH=&UL#0I#;VYT
M96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT
M96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH
M=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N
M="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\
M<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO
M*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A
M9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$
M240P14]!0D<^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L
M(&-O;'-P86X],T0Q(')O=W-P86X],T0Q/CQS=')O;F<^0T].4T],241!5$5$
M($)!3$%.0T4@4TA%1513("A54T0@)"D\8G(^26X@5&AO=7-A;F1S+"!U;FQE
M<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@
M(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,CQB<CX\+W1H/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!4U-%5%,\+W-T<F]N
M9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#87-H(&%N
M9"!D=64@9G)O;2!D97!O<VET;W)Y(&EN<W1I='5T:6]N<SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R,"PR.#@\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$W+#@P.#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YT97)E
M<W0@8F5A<FEN9R!D97!O<VET<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,BPY-C<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ+#<S,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^4VAO<G0M=&5R;2!I;G9E<W1M96YT<R!I;B!M
M;VYE>2!M87)K970@9G5N9',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C8L.#$Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-RPR.#(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!C87-H(&%N9"!C87-H(&5Q=6EV86QE
M;G1S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS,"PP-C8\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR-BPX
M,C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/CQS=')O;F<^26YV97-T;65N="!S96-U<FET:65S.CPO<W1R;VYG/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F
M;W(@<V%L93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,30Q+#DW
M.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$U,2PU,S@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DAE;&0@=&\@;6%T=7)I='D@*&9A:7(@=F%L=64@)#$W+#<X
M."!A="!$96-E;6)E<B`S,2P@,C`Q,R!A;F0@)#$T+#(V-B!A="!$96-E;6)E
M<B`S,2P@,C`Q,BD\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$X
M+#$X-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$S+#<R,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^3&]A;G,@:&5L9"!F;W(@<V%L93PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,RPT,#(\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,"PU-S8\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DQO86YS/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XW.#,L.3(W/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-S(Q+#@P,CQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3&5S<SH@
M56YE87)N960@:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XU.#$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XV,S<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D%L;&]W86YC92!F;W(@;&]A;B!L;W-S97,\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$P+#$P-#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$R+#4W,3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!L;V%N
M<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-S<S+#(T,CQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<P."PU
M.30\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E!R96UI<V5S(&%N9"!E<75I<&UE;G0L(&YE=#PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,3,L,3$Y/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3$L-SDX/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!8V-R=65D(&EN=&5R
M97-T(&EN8V]M92!R96-E:79A8FQE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XR+#DP.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C(L.38P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y';V]D=VEL;#PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,3(L-C$S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,3(L-C$S/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y"86YK(&]W;F5D(&QI9F4@
M:6YS=7)A;F-E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS-BPV
M-CD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XS-BPR,30\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DYE="!D969E<G)E9"!T87@@87-S970\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/CDL-3<R/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3$L-#8W/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y&961E<F%L($AO;64@
M3&]A;B!"86YK('-T;V-K/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XT+#8W-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C0L,3<Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y&961E<F%L(%)E<V5R=F4@0F%N:R!S=&]C:SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPQ,C4\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#$R-3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4')E<&%I
M9"!F961E<F%L(&1E<&]S:70@:6YS=7)A;F-E/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PT-#0\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]T:&5R(&%S<V5T
M<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-RPT-S@\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV+#DT,#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/E1/5$%,($%34T544SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,2PP-38L,#,V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,2PP,#`L.3DQ/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/DQ)04))3$E42453/"]S=')O
M;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F]N+6EN
M=&5R97-T(&)E87)I;F<@9&5P;W-I=',\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$U-"PP,#(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ-38L,C(S/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G1E<F5S="!B96%R:6YG(&1E
M<&]S:71S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW,#`L-3(P
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-C<Y+#4Q,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E1O=&%L(&1E<&]S:71S/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XX-30L-3(R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^.#,U+#<S-#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4VAO<G0M=&5R;2!B;W)R;W=I
M;F=S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT,2PU-34\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-2PV
M-C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D%D=F%N8V5S(&9R;VT@1F5D97)A;"!(;VUE($QO86X@0F%N:SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C4L,#`P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3,L,#`P/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y'=6%R
M86YT965D(&IU;FEO<B!S=6)O<F1I;F%T960@9&5F97)R86)L92!I;G1E<F5S
M="!D96)E;G1U<F5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ
M,RPP.#4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ,RPP.#4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y4;W1A;"!B;W)R;W=E9"!F=6YD<SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^-SDL-C0P/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#$L-S0U/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y/=&AE<B!L:6%B
M:6QI=&EE<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^."PU-C<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ
M,RPP-#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y43U1!3"!,24%"24Q)5$E%4SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^.30R+#<R.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C@Y,"PU,C,\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4U1/0TM(3TQ$
M15)3)R!%455)5%D\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y0<F5F97)R960@<W1O8VLL(&YO('!A<B!V86QU93L@)#$L
M,#`P('!E<B!S:&%R92!L:7%U:61A=&EO;B!P<F5F97)E;F-E.R`R+#`P,"PP
M,#`@<VAA<F5S(&%U=&AO<FEZ960[('1H97)E('=E<F4@,C$L,#`P('-H87)E
M<R!I<W-U960@86YD(&]U='-T86YD:6YG(&]N($1E8V5M8F5R(#,Q+"`R,#$S
M(&%N9"`R,#$R/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,2PP
M,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XR,2PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D-O;6UO;B!S=&]C:RP@<&%R('9A;'5E("0P+C`Q('!E<B!S
M:&%R93L@,S`L,#`P+#`P,"!S:&%R97,@875T:&]R:7IE9#H@,C8L-#`R+#`P
M-R!S:&%R97,@:7-S=65D(&%N9"`Q."PW.#0L,3@X('-H87)E<R!O=71S=&%N
M9&EN9R!O;B!$96-E;6)E<B`S,2P@,C`Q,SL@,C8L,SDX+#4T,"!S:&%R97,@
M:7-S=65D(&%N9"`Q.2PQ-C0L-S(Q('-H87)E<R!O=71S=&%N9&EN9R!O;B!$
M96-E;6)E<B`S,2P@,C`Q,CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,C8T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,C8T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y4<F5A<W5R>2!S=&]C:R!A="!C;W-T+"`W+#8Q-RPX,3D@
M<VAA<F5S(&]N($1E8V5M8F5R(#,Q+"`R,#$S(&%N9"`W+#(S,RPX,3D@<VAA
M<F5S(&]N($1E8V5M8F5R(#,Q+"`R,#$R/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@W-"PX,CDI/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;3XH-S,L-C4X*3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V%P:71A;"!S=7)P;'5S/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-#4L,3DP/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,30U+#$P,CQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M4F5T86EN960@96%R;FEN9W,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C(W+#4U-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C(S+#$S.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^06-C=6UU;&%T960@;W1H97(@8V]M<')E:&5N
M<VEV92!L;W-S+"!N970\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^
M*#4L.#<U*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6T^*#4L,S<Y*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E1/5$%,(%-43T-+2$],1$524R<@15%52519/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,3,L,S`W/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3$P+#0V.#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/E1/5$%,($Q)04))3$E42453($%.1"!35$]#2TA/3$1%4E,G($5154E463PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+#`U-BPP,S8\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$L
M,#`P+#DY,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\
M+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A
M<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT
M96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y
M,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T,#,N:'1M;`T*0V]N
M=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N
M=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\
M:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E
M;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^
M/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^
M+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE
M860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS
M1$E$,$5514%%/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T
M;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,3X\<W1R;VYG/D-/3E-/3$E$051%
M1"!"04Q!3D-%(%-(14544R`H4&%R96YT:&5T:6-A;"D@*%531"`D*3QB<CY)
M;B!4:&]U<V%N9',L(&5X8V5P="!3:&%R92!D871A+"!U;FQE<W,@;W1H97)W
M:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L
M87-S/3-$=&@^1&5C+B`S,2P@,C`Q,CQB<CX\+W1H/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^/'-T<F]N9SY#3TY33TQ)1$%4140@0D%,04Y#12!3
M2$5%5%,@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DAE;&0@=&\@;6%T=7)I='D@<V5C=7)I=&EE<RP@
M9F%I<B!V86QU93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q
M-RPW.#@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XD(#$T+#(V-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^4')E9F5R<F5D('-T;V-K+"!P87(@=F%L=64\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4')E9F5R<F5D
M('-T;V-K+"!L:7%U:61A=&EO;B!P<F5F97)E;F-E('!E<B!S:&%R93PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+#`P,#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,2PP,#`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!R
M969E<G)E9"!S=&]C:RP@<VAA<F5S(&%U=&AO<FEZ960\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C(L,#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L,#`P+#`P,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4')E9F5R
M<F5D('-T;V-K+"!S:&%R97,@:7-S=65D/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XR,2PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XR,2PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!R969E<G)E9"!S=&]C:RP@<VAA
M<F5S(&]U='-T86YD:6YG/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XR,2PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XR,2PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/D-O;6UO;B!S=&]C:RP@<&%R('9A;'5E/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#`N,#$\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#`N,#$\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-O;6UO
M;B!S=&]C:RP@<VAA<F5S(&%U=&AO<FEZ960\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C,P+#`P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XS,"PP,#`L,#`P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;VUM;VX@<W1O
M8VLL('-H87)E<R!I<W-U960\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C(V+#0P,BPP,#<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XR-BPS.3@L-30P/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;VUM;VX@<W1O8VLL('-H87)E
M<R!O=71S=&%N9&EN9SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,3@L-S@T+#$X.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$Y+#$V-"PW,C$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1R96%S=7)Y('-T;V-K+"!S:&%R97,\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<L-C$W+#@Q.3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<L,C,S
M+#@Q.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A
M8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?
M.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT96YT
M+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X
M7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T,#0N:'1M;`T*0V]N=&5N
M="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N
M="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M
M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M
M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C
M<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@
M1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^
M#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$
M,$5.5T%)/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C
M;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/D-/3E-/3$E$051%1"!3
M5$%414U%3E13($]&($]015)!5$E/3E,@*%531"`D*3QB<CY);B!4:&]U<V%N
M9',L(&5X8V5P="!097(@4VAA<F4@9&%T82P@=6YL97-S(&]T:&5R=VES92!S
M<&5C:69I960\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T
M:"!C;VQS<&%N/3-$,SXQ,B!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S
M,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N
M(#,Q+"`R,#$R/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E
M8RX@,S$L(#(P,3$\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/CQS=')O;F<^26YT97)E<W0@86YD(&9E97,@;VX@;&]A;G,Z/"]S=')O
M;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1A>&%B
M;&4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,S4L,#8S/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`S
M-"PW-3(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XD(#,U+#8S,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^5&%X(&5X96UP=#PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^-3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XV,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C8Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y);G1E<F5S="!B96%R:6YG(&1E<&]S:71S
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XY/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y3:&]R="UT
M97)M(&EN=F5S=&UE;G1S(&EN(&UO;F5Y(&UA<FME="!F=6YD<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$X/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1F5D97)A;"!F=6YD<R!S
M;VQD/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB
M<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^26YV97-T;65N="!S96-U<FET
M:65S.CPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y!=F%I;&%B;&4@9F]R('-A;&4\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C,L-S`Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-"PV,S0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XU+#@S-SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^2&5L9"!T;R!M871U<FET>3PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-3`X/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#0P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#`S/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T
M86P@26YT97)E<W0@26YC;VUE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XS.2PS-#,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XS.2PY,3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XT,2PY-C0\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^24Y415)%4U0@15A0
M14Y313PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y$97!O<VET<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-2PQ-C0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XV+#4P,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C@L,S,U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y3:&]R="UT97)M(&)O<G)O=VEN9W,\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0V/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3$\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!9'9A;F-E<R!F<F]M
M($9E9&5R86P@2&]M92!,;V%N($)A;FL\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$U,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C@Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,C(P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y'=6%R86YT965D(&IU;FEO<B!S=6)O<F1I
M;F%T960@9&5F97)R86)L92!I;G1E<F5S="!D96)E;G1U<F5S/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#$R,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,3(P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PQ,C`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;W4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A
M;"!);G1E<F5S="!%>'!E;G-E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XV+#0X,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C<L-S$T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^.2PV.#$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.970@26YT97)E<W0@26YC;VUE/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS,BPX-C$\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS,BPR,#,\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS,BPR
M.#,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D-R961I="!P<F]V:7-I;VX@9F]R(&QO86X@;&]S<V5S/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q+#$P,"D\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@W-S4I/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,RPU-S4I/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F5U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T
M($EN=&5R97-T($EN8V]M92!A9G1E<B!C<F5D:70@<')O=FES:6]N(&9O<B!,
M;V%N($QO<W-E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S,L
M.38Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,S(L.3<X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,S4L.#4X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/DY/3BU)3E1%4D535"!)3D-/344\
M+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M5')U<W0@9F5E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-BPY
M,3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XV+#4R-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C8L,3<S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y);G9E<W1M96YT(&%D=FES;W)Y(&9E97,\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@Y-3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<T,3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<U-#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T(&=A:6YS
M(&]N(&QO86YS(&AE;&0@9F]R('-A;&4\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$L,#@Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,2PQ,S(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XX,3(\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!R96%L:7IE9"!G86EN<R`H
M;&]S<V5S*2!O;B!I;G9E<W1M96YT('-E8W5R:71I97,\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C(P-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$R/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,S4X*3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4V5R=FEC92!C:&%R9V5S
M(&]N(&1E<&]S:70@86-C;W5N=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C(L,3<S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,BPQ.34\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XR+#(T,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0F%N:R!O=VYE9"!L:69E(&EN<W5R
M86YC93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.3DX/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.#8S/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.#@U
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y/=&AE<B!I;F-O;64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C,L-#8X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,RPT-S,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XS+#`V,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O=3X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L($YO;BU);G1E<F5S="!);F-O;64\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$U+#<T-#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$T+#DT,SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$S
M+#4V.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^/'-T<F]N9SY.3TXM24Y415)%4U0@15A014Y313PO<W1R;VYG/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y386QA<FEE<R!A
M;F0@96UP;&]Y964@8F5N969I=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C(U+#$Q-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C(T+#0R-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C(R+#8Q-CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T(&]C8W5P86YC>2!E>'!E
M;G-E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#DS-SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L.#`P
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,BPY,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D5Q=6EP;65N="!E>'!E;G-E/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ+#@U,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C$L-S8T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,2PV.#8\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!R;V9E<W-I;VYA;"!F965S
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT+#,R-SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,L.#<P/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPX
M-S4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E-U<'!L:65S+"!P;W-T86=E(&%N9"!F<F5I9VAT/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XX,3`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XX,S`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XX.#8\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DUI<V-E;&QA;F5O=7,@
M=&%X97,@86YD(&EN<W5R86YC93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,2PT-C<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ+#0S.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C$L,S<R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y&961E<F%L(&1E<&]S:70@:6YS=7)A
M;F-E(&5X<&5N<V4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8Q
M,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C0T,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$L,S,X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y&961E<F%L($AO;64@3&]A;B!"86YK('!R97!A>6UE;G0@
M<&5N86QT:65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB
M<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C(T,#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3W1H97(@97AP96YS93PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-2PQ,#4\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU+#`W,SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4L,3(T/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F5U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M5&]T86P@3F]N+4EN=&5R97-T($5X<&5N<V4\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C0R+#(R,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C0P+#8T,3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0P+#`S-SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O=3X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!2151!6"!)3D-/
M344\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<L-#@R/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-RPR.#`\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XY
M+#,Y,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^4')O=FES:6]N(&9O<B!I;F-O;64@=&%X97,\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C(L,C@Y/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPR-#$\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#@U,SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O=3X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DY%5"!)3D-/
M344\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4L,3DS/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-2PP,SD\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV
M+#4S-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^4')E9F5R<F5D('-T;V-K(&1I=FED96YD<R!A;F0@86-C<F5T:6]N
M(&]F('!R969E<G)E9"!S=&]C:R!D:7-C;W5N=#PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,C`Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^.#(X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,2PS.#4\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;W4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.150@24Y#3TU%($%604E,
M04),12!43R!#3TU-3TX@4TA!4D5(3TQ$15)3/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XD(#0L.3@T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`T+#(Q,3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-2PQ-3(\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^
M0F%S:6,Z/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/DYE="!I;F-O;64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/B0@,"XR-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/B0@,"XR,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/B0@,"XR-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^079E<F%G92!N=6UB97(@;V8@<VAA
M<F5S(&]U='-T86YD:6YG/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XQ."PY-#(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ.2PV.#4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XR,2PQ.#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1&EL=71E9#H\+W-T<F]N
M9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T(&EN
M8V]M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`P+C(V/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`P
M+C(Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^)"`P+C(T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y!=F5R86=E(&YU;6)E<B!O9B!S:&%R97,@;W5T<W1A;F1I
M;F<\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$Y+#`S-#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$Y+#<T
M-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C(Q+#(P-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^0V%S:"!D:79I9&5N9',@9&5C;&%R960\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@,"XP,SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\
M+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X
M7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O
M+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K
M<VAE971S+U-H965T,#4N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN
M9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[
M(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@
M/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E
M>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J
M879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES
M($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT
M86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$4R2T%%/@T*("`@("`@/'1R
M/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N
M/3-$,CX\<W1R;VYG/D-/3E-/3$E$051%1"!35$%414U%3E13($]&($-/35!2
M14A%3E-)5D4@24Y#3TU%("A54T0@)"D\8G(^26X@5&AO=7-A;F1S+"!U;FQE
M<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@
M(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0S/C$R($UO;G1H<R!%;F1E9#PO
M=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA
M<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1H/D1E8RX@,S$L(#(P,3(\8G(^/"]T:#X-"B`@("`@("`@/'1H
M(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,3QB<CX\+W1H/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY#3TU04D5(14Y3259%($E.0T]-
M13PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y.970@:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD
M(#4L,3DS/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`U+#`S.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@-BPU,S<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^3W1H97(@8V]M<')E:&5N
M<VEV92!I;F-O;64@*&QO<W,I+"!B969O<F4@=&%X.CPO<W1R;VYG/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y096YS:6]N(&]B;&EG
M871I;VX@8VAA;F=E(&9O<B!D969I;F5D(&)E;F5F:70@<&QA;CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPY-#(\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@R+#$R."D\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q+#@P,RD\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN
M8V]M92!T87@@969F96-T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B@Q+#,T,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XW,C4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XV,3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E5N<F5A;&EZ960@:&]L9&EN9R!G86EN<R`H;&]S
M<V5S*2!O;B!A=F%I;&%B;&4@9F]R('-A;&4@<V5C=7)I=&EE<R!A<FES:6YG
M(&1U<FEN9R!P97)I;V0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^
M*#0L-#@Y*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6T^*#0V-BD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XS+#(V-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^26YC;VUE('1A>"!E9F9E8W0\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$L-3(V/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,34X/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,2PQ,3`I/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y296-L87-S
M:69I8V%T:6]N(&%D:G5S=&UE;G0@9F]R(&QO<W-E<R`H9V%I;G,I(&]N(&%V
M86EL86)L92!F;W(@<V%L92!S96-U<FET:65S(&EN8VQU9&5D(&EN(&YE="!I
M;F-O;64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#(P-"D\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q,BD\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS
M-3@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/DEN8V]M92!T87@@969F96-T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XV.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@Q,C(I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F]U/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^3W1H97(@8V]M<')E:&5N<VEV92!I;F-O;64@
M*&QO<W,I/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@T.38I/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,2PW
M,3DI/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,2PR,#(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y#;VUP<F5H96YS:79E(&EN8V]M93PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^)"`T+#8Y-SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,RPS,C`\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#<L-S,Y/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO
M8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T
M-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ
M(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y
M,39C+U=O<FMS:&5E=',O4VAE970P-BYH=&UL#0I#;VYT96YT+51R86YS9F5R
M+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E
M>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A
M9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E
M;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4]
M,T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M
M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^
M#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P14@S0TD^#0H@
M("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q
M(')O=W-P86X],T0Q/CQS=')O;F<^0T].4T],241!5$5$(%-4051%345.5%,@
M3T8@0TA!3D=%4R!)3B!35$]#2TA/3$1%4E,G($5154E462`H55-$("0I/&)R
M/DEN(%1H;W5S86YD<SPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1H/E1O=&%L/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H
M/E!R969E<G)E9"!3=&]C:R!;365M8F5R73QB<CX\+W1H/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T:#Y#;VUM;VX@4W1O8VL@6TUE;6)E<ET\8G(^/"]T:#X-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&@^5')E87-U<GD@4W1O8VL@6TUE;6)E
M<ET\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^0V%P:71A;"!3
M=7)P;'5S(%M-96UB97)=/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1H/E)E=&%I;F5D($5A<FYI;F=S(%M-96UB97)=/&)R/CPO=&@^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1H/D%C8W5M=6QA=&5D($]T:&5R($-O;7!R96AE
M;G-I=F4@3&]S<RP@3F5T(%M-96UB97)=/&)R/CPO=&@^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F,^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y"86QA;F-E(&%T($1E8RX@,S$L(#(P,3`\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#(P+#8V.3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,C8T/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XD("@V
M."PV-3DI/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`Q-#4L,#0U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^)"`Q-"PV,#$\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M/B0@*#0L.#8R*3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T(&EN8V]M93PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-BPU,S<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-BPU,S<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y405)0('=A<G)A;G0@<F5P=7)C:&%S92`H,2PS,3(L-3`P('-H87)E<RD\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH.#(U*3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%C
M8W)E=&EO;B!O9B!P<F5F97)R960@<W1O8VL@9&ES8V]U;G0\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XS,S$\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@S,S$I/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5W(&-O;6UO
M;B!S:&%R97,@:7-S=65D(&9O<B!E>&5R8VES92!O9B!S=&]C:R!O<'1I;VYS
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y3=&]C
M:R!O<'1I;VX@97AP96YS93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C$U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/E1R96%S=7)Y('-T;V-K+"!P=7)C:&%S960@870@8V]S
M="`H,S@T+#`P,"P@,2PW-3<L.#`P(&%N9"`R.#<L-#`P('-H87)E<RP@<F5S
M<&5C=&EV96QY*3PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH
M-3@R*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^0V%S:"!D:79I9&5N9"!D96-L87)E9"!O;B!C;VUM;VX@<W1O
M8VL\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P
M.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D-A<V@@9&EV:61E;F0@9&5C;&%R960@;VX@<')E9F5R<F5D
M('-T;V-K/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$L
M,#4T*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D]T:&5R(&-O;7!R96AE;G-I=F4@:6YC;VUE("AL;W-S*3PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PR,#(\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,C`R/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F,^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y"
M86QA;F-E(&%T($1E8RX@,S$L(#(P,3$\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$Q,BPS-3(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XR,2PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XR-C0\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@V.2PR-#$I/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,30U+#`V,3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$X+#DR
M.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^
M*#,L-C8P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^3F5T(&EN8V]M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^-2PP,SD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-2PP,SD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y405)0('=A<G)A;G0@<F5P=7)C:&%S
M92`H,2PS,3(L-3`P('-H87)E<RD\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%C8W)E=&EO;B!O9B!P<F5F
M97)R960@<W1O8VL@9&ES8V]U;G0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE=R!C
M;VUM;VX@<VAA<F5S(&ES<W5E9"!F;W(@97AE<F-I<V4@;V8@<W1O8VL@;W!T
M:6]N<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M4W1O8VL@;W!T:6]N(&5X<&5N<V4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XS.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y4<F5A<W5R>2!S=&]C:RP@<'5R8VAA<V5D(&%T
M(&-O<W0@*#,X-"PP,#`L(#$L-S4W+#@P,"!A;F0@,C@W+#0P,"!S:&%R97,L
M(')E<W!E8W1I=F5L>2D\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6T^*#0L-#$W*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^0V%S:"!D:79I9&5N9"!D96-L87)E9"!O;B!C;VUM
M;VX@<W1O8VL\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/D-A<V@@9&EV:61E;F0@9&5C;&%R960@;VX@<')E
M9F5R<F5D('-T;V-K/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6T^*#@R."D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y/=&AE<B!C;VUP<F5H96YS:79E(&EN8V]M92`H;&]S<RD\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$L-S$Y*3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,2PW
M,3DI/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F,^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y"86QA;F-E(&%T($1E8RX@,S$L(#(P,3(\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C$Q,"PT-C@\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,2PP,#`\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR-C0\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@W,RPV-3@I/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,30U+#$P
M,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C(S+#$S.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6T^*#4L,S<Y*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^3F5T(&EN8V]M93PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^-2PQ.3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^-2PQ.3,\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y405)0('=A<G)A;G0@<F5P
M=7)C:&%S92`H,2PS,3(L-3`P('-H87)E<RD\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%C8W)E=&EO;B!O
M9B!P<F5F97)R960@<W1O8VL@9&ES8V]U;G0\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/DYE=R!C;VUM;VX@<VAA<F5S(&ES<W5E9"!F;W(@97AE<F-I<V4@;V8@<W1O
M8VL@;W!T:6]N<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^4W1O8VL@;W!T:6]N(&5X<&5N<V4\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XX,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4<F5A<W5R>2!S=&]C:RP@<'5R8VAA
M<V5D(&%T(&-O<W0@*#,X-"PP,#`L(#$L-S4W+#@P,"!A;F0@,C@W+#0P,"!S
M:&%R97,L(')E<W!E8W1I=F5L>2D\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6T^*#$L,3<Q*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^0V%S:"!D:79I9&5N9"!D96-L87)E9"!O
M;B!C;VUM;VX@<W1O8VL\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;3XH-38V*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D-A<V@@9&EV:61E;F0@9&5C;&%R960@;VX@<')E9F5R
M<F5D('-T;V-K/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^
M*#(P.2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y/=&AE<B!C;VUP<F5H96YS:79E(&EN8V]M92`H;&]S<RD\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#0Y-BD\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#0Y-BD\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R8SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D)A
M;&%N8V4@870@1&5C+B`S,2P@,C`Q,SPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^)"`Q,3,L,S`W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^)"`R,2PP,#`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#(V-#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^)"`H-S0L.#(Y*3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,30U
M+#$Y,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/B0@,C<L-34W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;3XD("@U+#@W-2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM
M+2TM+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W
M-C$S.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A
M.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E
M=#`W+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP
M<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U
M<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M
M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H
M87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S
M<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO
M/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,]
M,T1R97!O<G0@:60],T1)1#!%245!0SX-"B`@("`@(#QT<CX-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N
M9SY#3TY33TQ)1$%4140@4U1!5$5-14Y44R!/1B!#2$%.1T53($E.(%-43T-+
M2$],1$524R<@15%52519("A087)E;G1H971I8V%L*3QB<CX\+W-T<F]N9SX\
M+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,SXQ,B!-
M;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@
M("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$R/&)R/CPO=&@^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3$\8G(^/"]T
M:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^0T].4T],
M241!5$5$(%-4051%345.5%,@3T8@0TA!3D=%4R!)3B!35$]#2TA/3$1%4E,G
M($5154E462!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/E1R96%S=7)Y('-T;V-K+"!P=7)C:&%S960@
M870@8V]S="P@<VAA<F5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XS.#0L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,2PW-3<L.#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,C@W+#0P,#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5V%R<F%N=',@<F5P=7)C:&%S
M960L('-H87)E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ
M+#,Q,BPU,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'10
M87)T7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N
M=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?
M.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E=#`X+FAT;6P-"D-O
M;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O
M;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*
M/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT
M96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G
M/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS
M/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H
M96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60]
M,T1)1#!%54E!23X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY#3TY33TQ)1$%4
M140@4U1!5$5-14Y44R!/1B!#05-(($9,3U=3("A54T0@)"D\8G(^26X@5&AO
M=7-A;F1S+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO
M=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0S/C$R($UO
M;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3(\8G(^/"]T:#X-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,3QB<CX\+W1H
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY/4$52051)
M3D<@04-4259)5$E%4SPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y.970@:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XD(#4L,3DS/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^)"`U+#`S.3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-BPU,S<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^061J
M=7-T;65N=',@=&\@<F5C;VYC:6QE(&YE="!I;F-O;64@=&\@;F5T(&-A<V@@
M<')O=FED960@8GD@;W!E<F%T:6YG(&%C=&EV:71I97,Z/"]S=')O;F<^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-R961I="!P<F]V
M:7-I;VX@9F]R(&QO86X@;&]S<V5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M/B@Q+#$P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M/B@W-S4I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;3XH,RPU-S4I/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$97!R96-I871I;VX@86YD(&%M
M;W)T:7IA=&EO;B!E>'!E;G-E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ+#8X,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$L-3(S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,2PT-S<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!A;6]R=&EZ871I;VX@;V8@:6YV
M97-T;65N="!S96-U<FET:65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XW-34\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ+#$R-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C<S-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^3F5T(')E86QI>F5D("AG86EN<RD@;&]S<V5S
M(&]N(&EN=F5S=&UE;G0@<V5C=7)I=&EE<R`M(&%V86EL86)L92!F;W(@<V%L
M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,C`T*3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$R*3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,U.#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M3F5T(&=A:6YS(&]N(&QO86YS(&AE;&0@9F]R('-A;&4\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6T^*#$L,#@Y*3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$L,3,R*3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#@Q,BD\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%M;W)T:7IA
M=&EO;B!O9B!D969E<G)E9"!L;V%N(&9E97,\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6T^*#,P-"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M/B@R-#`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;3XH,C,Q*3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3W)I9VEN871I;VX@;V8@;6]R
M=&=A9V4@;&]A;G,@:&5L9"!F;W(@<V%L93PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;3XH-C`L.#(V*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6T^*#<V+#8X."D\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@U."PV-#`I/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y386QE<R!O9B!M
M;W)T9V%G92!L;V%N<R!H96QD(&9O<B!S86QE/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XV.2PP.#D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XW-"PS-30\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU.2PW-#<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D1E8W)E87-E("AI
M;F-R96%S92D@:6X@86-C<G5E9"!I;G1E<F5S="!R96-E:79A8FQE/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU,CQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(U-CQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#8I/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$96-R96%S92!I
M;B!A8V-R=65D(&EN=&5R97-T('!A>6%B;&4\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6T^*#(Y.2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M/B@T-#`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;3XH,2PP,3@I/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%87)N:6YG<R!O;B!B86YK
M(&]W;F5D(&QI9F4@:6YS=7)A;F-E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M/B@X,3$I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;3XH.#8S*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6T^*#@X-2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/D1E9F5R<F5D(&EN8V]M92!T87AE<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPQ-3`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#$P,3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L-S4X
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y3=&]C:R!C;VUP96YS871I;VX@97AP96YS93PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^.#@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XT,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$96-R96%S92!I;B!P<F5P86ED($9E
M9&5R86P@1&5P;W-I="!);G-U<F%N8V4\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$L-#0T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,S<P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,2PR-3D\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]T:&5R+"!N970\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6T^*#DV-RD\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q+#0T-BD\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS+#`W-#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!C
M87-H('!R;W9I9&5D(&)Y(&]P97)A=&EN9R!A8W1I=FET:65S/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-"PX-30\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS+#(Q,CQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$P+#<Y-#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T
M<F]N9SY)3E9%4U1)3D<@04-4259)5$E%4SPO<W1R;VYG/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y0=7)C:&%S97,@;V8@:6YV97-T
M;65N="!S96-U<FET:65S("T@879A:6QA8FQE(&9O<B!S86QE/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M/B@U,"PQ,C4I/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,S0L,3DY*3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#@U+#,U,BD\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/E!U<F-H87-E<R!O9B!I;G9E<W1M96YT('-E8W5R:71I97,@+2!H96QD('1O
M(&UA='5R:71Y/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@X+#DT
M,BD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B@T+#DX-RD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M/B@V+#4W-BD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E!R;V-E961S(&9R;VT@;6%T=7)I=&EE<R!O9B!I
M;G9E<W1M96YT('-E8W5R:71I97,@+2!A=F%I;&%B;&4@9F]R('-A;&4\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0S+#,P-SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4Y+#@P,#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4S+#(T
M,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^4')O8V5E9',@9G)O;2!M871U<FET:65S(&]F(&EN=F5S=&UE;G0@<V5C
M=7)I=&EE<R`M(&AE;&0@=&\@;6%T=7)I='D\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C0L-#(U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,RPU,3@\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#$R-3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4')O8V5E9',@9G)O;2!S
M86QE<R!O9B!I;G9E<W1M96YT('-E8W5R:71I97,@+2!A=F%I;&%B;&4@9F]R
M('-A;&4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$Q+#$X-3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0L
M,C(Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,38L-3$X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y0=7)C:&%S92!O9B!R96=U;&%T;W)Y('-T;V-K/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@U+#@V-2D\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^4')O8V5E9',@9G)O;2!R961E;7!T:6]N(&]F(')E
M9W5L871O<GD@<W1O8VL\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C4L,S8W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,2PW,3(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ+#,T,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^3&]N9RUT97)M(&QO86YS(&]R:6=I;F%T960\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#(P-2PU-#DI/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,C,R+#8X
M-2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B@Q-#<L.#8T*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^4')I;F-I<&%L(&-O;&QE8W1E9"!O;B!L;VYG+71E<FT@
M;&]A;G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$T-BPW,C`\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ
M.#(L,C0U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,38Q+#,U-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^3&]A;G,@<'5R8VAA<V5D(&]R('!A<G1I8VEP871E
M9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,3(L.3DP*3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$W+#0Y
M,BD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B@X+#4P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DQO86YS('-O;&0@;W(@<&%R=&EC:7!A=&5D/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XX+#4P,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@L-3`P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PP,#`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!I
M;F-R96%S92!I;B!O=&AE<B!S:&]R="UT97)M(&QO86YS/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M/B@V-SDI/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,S`P*3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#0T,RD\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!U<F-H87-E<R!O
M9B!P<F5M:7-E<R!A;F0@97%U:7!M96YT/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@S+#`P-"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M/B@R+#8T-RD\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q+#8V-BD\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!R;V-E961S(&9R;VT@
M<V%L92!O9B!O=&AE<B!R96%L(&5S=&%T92!O=VYE9#PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^.3DS/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,38P/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-S0S/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y0<F]C965D<R!F<F]M(&EN
M<W5R86YC92!P;VQI8VEE<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,S4V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;W4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.970@8V%S:"!U
M<V5D(&EN(&EN=F5S=&EN9R!A8W1I=FET:65S/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M/B@V-BPS,#$I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;3XH,S(L,34T*3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$T+#`W-"D\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^
M1DE.04Y#24Y'($%#5$E6251)15,\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^3F5T(&EN8W)E87-E(&EN(&1E<&]S:70@
M8F%L86YC97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$X+#<T
M-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$Y+#,R.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C$S+#<R,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^3F5T(&EN8W)E87-E("AD96-R96%S92D@:6X@;W1H
M97(@<VAO<G0M=&5R;2!B;W)R;W=I;F=S/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XR-2PX.34\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M/B@Q,#4I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,3$L,C$U/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y0<FEN8VEP86P@8F]R<F]W
M:6YG<R!O;B!A9'9A;F-E<R!F<F]M($9E9&5R86P@2&]M92!,;V%N($)A;FL\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$X+#`P,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(Q+#`P,#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L
M,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y0<FEN8VEP86P@<F5P87EM96YT<R!O;B!A9'9A;F-E<R!F<F]M($9E
M9&5R86P@2&]M92!,;V%N($)A;FL\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6T^*#8L,#`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6T^*#$T+#`P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M/B@U+#<U,"D\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!R969E<G)E9"!S=&]C:R!D
M:79I9&5N9"!P86ED/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@R
M,#DI/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;3XH.#(X*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6T^*#$L,#4T*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^0V]M;6]N('-T;V-K(&1I=FED96YD('!A:60\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#4V-BD\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^5$%24"!W87)R86YT(')E<'5R8VAA<V4\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[
M)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;3XH.#(U*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^4'5R8VAA<V4@;V8@=')E87-U<GD@<W1O8VL\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$L,3<Q*3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#0L-#$W*3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#4X,BD\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;W4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.
M970@8V%S:"!P<F]V:61E9"!B>2!F:6YA;F-I;F<@86-T:79I=&EE<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-30L-CDS/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C`L.3<Y/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3@L-S(V
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F5U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^3D54($E.0U)%05-%("A$14-214%312D@24X@0T%32"!!3D0@0T%32"!%
M455)5D%,14Y44SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPR
M-#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B@W+#DV,RD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ-2PT-#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/D-!4T@@04Y$($-!4T@@15%5259!3$5.5%,@050@
M2D%.54%262`Q/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR-BPX
M,C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XS-"PW.#,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ.2PS,S<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/D-!4T@@04Y$($-!4T@@15%5259!3$5.5%,@050@
M1$5#14U"15(@,S$\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@
M,S`L,#8V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`R-BPX,C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XD(#,T+#<X,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-
M"BTM+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S
M,#<V,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C
M-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H
M965T,#DN:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D
M+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970]
M(G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T
M<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@
M8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T
M('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@
M*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S
M<STS1')E<&]R="!I9#TS1$E$,$5-13X-"B`@("`@(#QT<CX-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N
M9SY354U-05)9($]&(%-)1TY)1DE#04Y4($%#0T]53E1)3D<@4$],24-)15,\
M8G(^/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L
M<W!A;CTS1#$^,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P
M,3,\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O
M;F<^4U5-34%262!/1B!324=.249)0T%.5"!!0T-/54Y424Y'(%!/3$E#2453
M(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E-534U!4ED@3T8@4TE'3DE&24-!3E0@04-#3U5.5$E.1R!0
M3TQ)0TE%4SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SPA+2U$
M3T-465!%(&AT;6P@4%5"3$E#("(M+R]7,T,O+T141"!82%1-3"`Q+C`@5')A
M;G-I=&EO;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N;W)G+U12+WAH=&UL,2]$
M5$0O>&AT;6PQ+71R86YS:71I;VYA;"YD=&0B("TM/CQD:78^(#QD:78@<W1Y
M;&4],T0G34E.+5=)1%1(.B`W,#AP>#L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+5-T87)T1G)A9VUE;G0M+3X@/&@R('-T>6QE/3-$)U1%6%0M5%)!3E-&
M3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L
M969T.R!0041$24Y'+51/4#H@-7!T.R!&3TY4.B!B;VQD(#$P<'0O,3)P="!4
M:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T
M<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$
M14Y4.B`P<'0G/B`Q+B9N8G-P.R9N8G-P.U-534U!4ED@3T8@4TE'3DE&24-!
M3E0@04-#3U5.5$E.1R!03TQ)0TE%4SPO:#(^(#QH-2!S='EL93TS1"=415A4
M+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!
M3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T
M(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z
M(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)
M3D1%3E0Z(#!P="<^($)54TE.15-3($%.1"!.05154D4@3T8@3U!%4D%424].
M4SH\+V@U/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$
M1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU4
M3U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM
M97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!
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M($-O;G-O;&ED871E9"!"86QA;F-E(%-H965T(&%T($1E8V5M8F5R(#,Q+"`R
M,#$S+CPO<#X@/&@U('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0
M041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'
M+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4
M:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@
M4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!T)SX@4%))3D-)
M4$Q%4R!/1B!#3TY33TQ)1$%424]..CPO:#4^(#QP('-T>6QE/3-$)U1%6%0M
M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,
M24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@
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M($%M97)I4V5R=B!&:6YA;F-I86P@0F%N:R`H=&AE($)A;FLI+"!4<G5S="!#
M;VUP86YY+"!A;F0@06UE<FE397)V($QI9F4@26YS=7)A;F-E($-O;7!A;GD@
M*$%M97)I4V5R=B!,:69E*2X@5&AE($)A;FL@:7,@82!S=&%T92UC:&%R=&5R
M960@9G5L;"!S97)V:6-E(&)A;FL@=VET:"`Q."!L;V-A=&EO;G,@:6X@4&5N
M;G-Y;'9A;FEA+B!!;65R:5-E<G8@3&EF92!I<R!A(&-A<'1I=F4@:6YS=7)A
M;F-E(&-O;7!A;GD@=&AA="!E;F=A9V5S(&EN('5N9&5R=W)I=&EN9R!A<R!A
M(')E:6YS=7)E<B!O9B!C<F5D:70@;&EF92!A;F0@9&ES86)I;&ET>2!I;G-U
M<F%N8V4N/"]P/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@
M4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.
M1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@
M5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[
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M('!R:6YC:7!L97,L(&]R($=!05`I(')E<75I<F5S(&UA;F%G96UE;G0@=&\@
M;6%K92!E<W1I;6%T97,@86YD(&%S<W5M<'1I;VYS('1H870@869F96-T('1H
M92!A;6]U;G1S(')E<&]R=&5D(&EN('1H92!#;VYS;VQI9&%T960@1FEN86YC
M:6%L(%-T871E;65N=',@86YD(&%C8V]M<&%N>6EN9R!N;W1E<RX@06-T=6%L
M(')E<W5L=',@;6%Y(&1I9F9E<B!F<F]M('1H97-E(&5S=&EM871E<R!A;F0@
M=&AE(&1I9F9E<F5N8V5S(&UA>2!B92!M871E<FEA;"!T;R!T:&4@0V]N<V]L
M:61A=&5D($9I;F%N8VEA;"!3=&%T96UE;G1S+B!4:&4@0V]M<&%N>28C,SD[
M<R!M;W-T('-I9VYI9FEC86YT(&5S=&EM871E<R!R96QA=&4@=&\@=&AE(&%L
M;&]W86YC92!F;W(@;&]A;B!L;W-S97,L(&=O;V1W:6QL+"!I;F-O;64@=&%X
M97,@86YD(&EN=F5S=&UE;G0@<V5C=7)I=&EE<RX\+W`^(#QH-2!S='EL93TS
M1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@
M5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P
M="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'
M+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@
M5$585"U)3D1%3E0Z(#!P="<^($E.5D535$U%3E0@4T5#55))5$E%4SH\+V@U
M/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"
M3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P
M=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E
M<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M
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M9F%C=&]R<R`H<W5C:"!A<R!L:7%U:61I='D@<F5Q=6ER96UE;G1S*2X@5&AE
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M;B!T<F%D:6YG(&%C=&EV:71Y+CPO<#X@/'`@<W1Y;&4],T0G5$585"U44D%.
M4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE
M<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[
M($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4
M.B`R,'!X)SX@4F5A;&EZ960@9V%I;G,@;W(@;&]S<V5S(&]N('-E8W5R:71I
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M<B!I;B!V86QU92X\+W`^(#QH-2!S='EL93TS1"=415A4+51204Y31D]233H@
M;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@
M4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2
M;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE.
M.B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^
M($9%1$5204P@2$]-12!,3T%.($)!3DL@4U1/0TLZ/"]H-3X@/'`@<W1Y;&4]
M,T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[
M(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P
M<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.
M1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[
M(%1%6%0M24Y$14Y4.B`R,'!X)SX@5&AE($)A;FL@:7,@82!M96UB97(@;V8@
M=&AE($9E9&5R86P@2&]M92!,;V%N($)A;FL@;V8@4&ET='-B=7)G:"`H1DA,
M0BD@86YD(&%S('-U8V@L(&ES(')E<75I<F5D('1O(&UA:6YT86EN(&$@;6EN
M:6UU;2!I;G9E<W1M96YT(&EN('-T;V-K(&]F('1H92!&2$Q"('1H870@=F%R
M:65S('=I=&@@=&AE(&QE=F5L(&]F(&%D=F%N8V5S(&]U='-T86YD:6YG('=I
M=&@@=&AE($9(3$(N(%1H92!S=&]C:R!I<R!B;W5G:'0@9G)O;2!A;F0@<V]L
M9"!T;R!T:&4@1DA,0B!B87-E9"!U<&]N(&ET<R`D,3`P('!A<B!V86QU92X@
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M;B!T:&4@8W5S=&]M97(@8F%S92!O9B!&2$Q"(&%N9"`H9"D@5&AE(&QI<75I
M9&ET>2!P;W-I=&EO;B!O9B!T:&4@1DA,0BX@36%N86=E;65N="!E=F%L=6%T
M960@=&AE('-T;V-K(&%N9"!C;VYC;'5D960@=&AA="!T:&4@<W1O8VL@=V%S
M(&YO="!I;7!A:7)E9"!F;W(@=&AE('!E<FEO9',@<')E<V5N=&5D(&AE<F5I
M;BX\+W`^(#QH-2!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$
M1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU4
M3U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM
M97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!
M1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^($Q/04Y3.CPO
M:#4^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'
M+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@
M,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@
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M97-T(&EN8V]M92!W:&5N(&QO86YS(&)E8V]M92`Y,"!D87ES('!A<W0@9'5E
M(&EN(&5I=&AE<B!P<FEN8VEP86P@;W(@:6YT97)E<W0N($EN(&%D9&ET:6]N
M+"!I9B!C:7)C=6US=&%N8V5S('=A<G)A;G0L('1H92!A8V-R=6%L(&]F(&EN
M=&5R97-T(&UA>2!B92!D:7-C;VYT:6YU960@<')I;W(@=&\@.3`@9&%Y<RX@
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M8W)U86P@<W1A='5S('5P;VX@8F5C;VUI;F<@8W5R<F5N="X\+W`^(#QH-2!S
M='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ
M(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].
M5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0
M041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z
M(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^($Q/04X@1D5%4SH\+V@U/B`\<"!S
M='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ
M(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].
M5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0
M041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z
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M=&AE(&5F9F5C=&EV92!I;G1E<F5S="!M971H;V0N/"]P/B`\:#4@<W1Y;&4]
M,T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[
M(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P
M<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.
M1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[
M(%1%6%0M24Y$14Y4.B`P<'0G/B!,3T%.4R!(14Q$($9/4B!304Q%.CPO:#4^
M(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/
M5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T
M.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R
M:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU2
M24=(5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^($-E<G1A:6X@;F5W;'D@
M;W)I9VEN871E9"!F:7AE9"UR871E(')E<VED96YT:6%L(&UO<G1G86=E(&QO
M86YS(&%R92!C;&%S<VEF:65D(&%S(&AE;&0@9F]R('-A;&4L(&)E8V%U<V4@
M:70@:7,@;6%N86=E;65N="8C,SD[<R!I;G1E;G0@=&\@<V5L;"!T:&5S92!R
M97-I9&5N=&EA;"!M;W)T9V%G92!L;V%N<RX@5&AE(')E<VED96YT:6%L(&UO
M<G1G86=E(&QO86YS(&AE;&0@9F]R('-A;&4@87)E(&-A<G)I960@870@=&AE
M(&QO=V5R(&]F(&%G9W)E9V%T92!C;W-T(&]R(&UA<FME="!V86QU92X\+W`^
M(#QH-2!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"
M3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P
M=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E
M<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M
M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^(%1204Y31D524R!/1B!&
M24Y!3D-)04P@05-31513/"]H-3X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/
M4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE
M9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.
M97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!
M4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R
M,'!X)SX@5')A;G-F97)S(&]F(&9I;F%N8VEA;"!A<W-E=',@87)E(&%C8V]U
M;G1E9"!F;W(@87,@<V%L97,@=VAE;B!C;VYT<F]L(&]V97(@=&AE(&%S<V5T
M<R!H87,@8F5E;B!S=7)R96YD97)E9"X@0V]N=')O;"!O=F5R('1R86YS9F5R
M<F5D(&%S<V5T<R!I<R!D965M960@=&\@8F4@<W5R<F5N9&5R960@=VAE;B`H
M,2D@=&AE(&%S<V5T<R!H879E(&)E96X@:7-O;&%T960@9G)O;2!T:&4@0V]M
M<&%N>3L@*#(I('1H92!T<F%N<V9E<F5E(&]B=&%I;G,@=&AE(')I9VAT("AF
M<F5E(&]F(&-O;F1I=&EO;G,@=&AA="!C;VYS=')A:6X@:70@9G)O;2!T86MI
M;F<@861V86YT86=E(&]F('1H870@<FEG:'0I('1O('!L961G92!O<B!E>&-H
M86YG92!T:&4@=')A;G-F97)R960@87-S971S.R!A;F0@*#,I('1H92!#;VUP
M86YY(&1O97,@;F]T(&UA:6YT86EN(&5F9F5C=&EV92!C;VYT<F]L(&]V97(@
M=&AE('1R86YS9F5R<F5D(&%S<V5T<R!T:')O=6=H(&%N(&%G<F5E;65N="!T
M;R!R97!U<F-H87-E('1H96T@8F5F;W)E('1H96ER(&UA='5R:71Y+CPO<#X@
M/&@U('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/
M5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T
M.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R
M:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU2
M24=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!T)SX@4%)%34E315,@04Y$($51
M54E0345.5#H\+V@U/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N
M93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$
M1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA
M;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P
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M;VXN(%5S969U;"!L:79E<R!O9B!U<"!T;R`S,"!Y96%R<R!F;W(@8G5I;&1I
M;F=S(&%N9"!U<"!T;R`Q,"!Y96%R<R!F;W(@97%U:7!M96YT(&%R92!U=&EL
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M041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O
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M24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N
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M041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O
M;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ
M(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C
M96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$,3`P)3X@
M/'1R('-T>6QE/3-$)T9/3E0M4TE:13H@,3!P=#L@5D525$E#04PM04Q)1TXZ
M('1O<#L@1D].5"U714E'2%0Z(&YO<FUA;#L@1D].5"U35%E,13H@;F]R;6%L
M.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@,3)P="<^(#QT9"!S
M='EL93TS1"=724142#H@,C%P>"<^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`R,'!X.R!415A4+4%,24=..B!L969T)SXM/"]T9#X@/'1D('-T
M>6QE/3-$)U1%6%0M04Q)1TXZ(&QE9G0G/E)E=FEE=R!O9B!A;&P@8W)I=&EC
M:7IE9"P@8VQA<W-I9FEE9"!A;F0@:6UP86ER960@;&]A;G,@=VET:"!A9V=R
M96=A=&4@8F%L86YC97,@;W9E<B`D,C4P+#`P,"!T;R!D971E<FUI;F4@:68@
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M1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z
M(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L
M(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`P<'0[(%!!1$1)
M3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<]
M,T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#$P,"4^(#QT<B!S='EL93TS
M1"=&3TY4+5-)6D4Z(#$P<'0[(%9%4E1)0T%,+4%,24=..B!T;W`[($9/3E0M
M5T5)1TA4.B!N;W)M86P[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'
M3CH@;&5F=#L@3$E.12U(14E'2%0Z(#$R<'0G/B`\=&0@<W1Y;&4],T0G5TE$
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M+W1D/B`\+W1R/B`\+W1A8FQE/B`\=&%B;&4@<W1Y;&4],T0G5$585"U44D%.
M4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE
M<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`P<'0[
M($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4
M.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@]
M,T0Q,#`E/B`\='(@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!615)424-!
M3"U!3$E'3CH@=&]P.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!&3TY4+5-464Q%
M.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B`Q,G!T
M)SX@/'1D('-T>6QE/3-$)U=)1%1(.B`R,7!X)SXF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#(P<'@[(%1%6%0M04Q)1TXZ(&QE9G0G/BT\+W1D
M/B`\=&0@<W1Y;&4],T0G5$585"U!3$E'3CH@;&5F="<^5&AE(&%P<&QI8V%T
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M+W1D/B`\+W1R/B`\+W1A8FQE/B`\=&%B;&4@<W1Y;&4],T0G5$585"U44D%.
M4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE
M<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`P<'0[
M($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4
M.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@]
M,T0Q,#`E/B`\='(@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!615)424-!
M3"U!3$E'3CH@=&]P.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!&3TY4+5-464Q%
M.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B`Q,G!T
M)SX@/'1D('-T>6QE/3-$)U=)1%1(.B`R,7!X)SXF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#(P<'@[(%1%6%0M04Q)1TXZ(&QE9G0G/BT\+W1D
M/B`\=&0@<W1Y;&4],T0G5$585"U!3$E'3CH@;&5F="<^5&AE(&%P<&QI8V%T
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M8W5M96YT871I;VX@97AC97!T:6]N<RX\+W1D/B`\+W1R/B`\+W1A8FQE/B`\
M=&%B;&4@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M
M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S
M<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!3
M97)I9CL@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@,'!T.R!0041$24Y'
M+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$
M,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0Q,#`E/B`\='(@<W1Y;&4],T0G
M1D].5"U325I%.B`Q,'!T.R!615)424-!3"U!3$E'3CH@=&]P.R!&3TY4+5=%
M24=(5#H@;F]R;6%L.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ
M(&QE9G0[($Q)3D4M2$5)1TA4.B`Q,G!T)SX@/'1D('-T>6QE/3-$)U=)1%1(
M.B`R,7!X)SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#(P<'@[
M(%1%6%0M04Q)1TXZ(&QE9G0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5$585"U!
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M.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!
M1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@
M,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^($%F=&5R(&-O;7!L971I;VX@;V8@
M=&AI<R!P<F]C97-S+"!A(&9O<FUA;"!M965T:6YG(&]F('1H92!,;V%N($QO
M<W,@4F5S97)V92!#;VUM:71T964@:7,@:&5L9"!T;R!E=F%L=6%T92!T:&4@
M861E<75A8WD@;V8@=&AE(')E<V5R=F4N/"]P/B`\<"!S='EL93TS1"=415A4
M+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!
M3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T
M(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z
M(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)
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M=&AL>2!T;R!D971E<FUI;F4@<&]T96YT:6%L(&QO<W-E<RX\+W`^(#QP('-T
M>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@
M,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4
M.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!
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M(&5X8V5S<R!O9B`D,C4P+#`P,"!W:71H:6X@82`Q,BUM;VYT:"!P97)I;V0N
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M:&EP<R!W:71H(&%G9W)E9V%T92!B86QA;F-E<R!O9B`D,C4P+#`P,"!O<B!L
M97-S+"!R97-I9&5N=&EA;"!M;W)T9V%G92!L;V%N<R!A;F0@8V]N<W5M97(@
M;&]A;G,N($EN9&EV:61U86P@;&]A;G,@=VET:&EN('1H97-E('!O;VQS(&%R
M92!R979I97=E9"!A;F0@979A;'5A=&5D(&9O<B!S<&5C:69I8R!I;7!A:7)M
M96YT(&EF(&9A8W1O<G,@<W5C:"!A<R!S:6=N:69I8V%N="!D96QI;G%U96YC
M>2!I;B!P87EM96YT<R!O9B`Y,"!D87ES(&]R(&UO<F4L(&)A;FMR=7!T8WDL
M(&]R(&]T:&5R(&YE9V%T:79E(&5C;VYO;6EC(&-O;F-E<FYS(&EN9&EC871E
M(&EM<&%I<FUE;G0N/"]P/B`\:#4@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ
M(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[
M(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@
M4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)
M3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'0G
M/B!!3$Q/5T%.0T4@1D]2(%5.1E5.1$5$($Q/04X@0T]-34E4345.5%,@04Y$
M($Q%5%1%4E,@3T8@0U)%1$E4.CPO:#4^(#QP('-T>6QE/3-$)U1%6%0M5%)!
M3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=.
M.B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM
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M+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R
M<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&
M5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4
M+4E.1$5.5#H@,'!T)SX@5%)54U0@1D5%4SH\+V@U/B`\<"!S='EL93TS1"=4
M15A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$58
M5"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q
M,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%
M1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$58
M5"U)3D1%3E0Z(#(P<'@G/B!4<G5S="!F965S(&%R92!R96-O<F1E9"!O;B!T
M:&4@8V%S:"!B87-I<R!W:&EC:"!A<'!R;WAI;6%T97,@=&AE(&%C8W)U86P@
M8F%S:7,@9F]R('-U8V@@:6YC;VUE+CPO<#X@/&@U('-T>6QE/3-$)U1%6%0M
M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,
M24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@
M5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@
M-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.
M1$5.5#H@,'!T)SX@0D%.2RU/5TY%1"!,249%($E.4U5204Y#13H\+V@U/B`\
M<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U14
M3TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@
M1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF
M.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'
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M24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N
M+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P
M=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!T)SX@24Y4
M04Y'24),12!!4U-%5%,Z/"]H-3X@/&@U('-T>6QE/3-$)U1%6%0M5%)!3E-&
M3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L
M969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@
M3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-
M05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@
M,'!T)SX@1V]O9'=I;&P\+V@U/B`\<"!S='EL93TS1"=415A4+51204Y31D]2
M33H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F
M=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE
M=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%2
M1TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P
M<'@G/B!';V]D=VEL;"!A<FES:6YG(&9R;VT@8G5S:6YE<W,@8V]M8FEN871I
M;VYS(')E<')E<V5N=',@=&AE('9A;'5E(&%T=')I8G5T86)L92!T;R!U;FED
M96YT:69I86)L92!I;G1A;F=I8FQE(&5L96UE;G1S(&EN('1H92!B=7-I;F5S
M<R!A8W%U:7)E9"X@5&AE($-O;7!A;GD@86-C;W5N=',@9F]R(&=O;V1W:6QL
M('5S:6YG(&$@='=O+7-T97`@<')O8V5S<R!F;W(@=&5S=&EN9R!T:&4@:6UP
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M;V]D=VEL;"X\+W`^(#QH-2!S='EL93TS1"=415A4+51204Y31D]233H@;F]N
M93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$
M1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA
M;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P
M<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^($5!
M4DY)3D=3(%!%4B!#3TU-3TX@4TA!4D4Z/"]H-3X@/'`@<W1Y;&4],T0G5$58
M5"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M
M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P
M="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494
M.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M
M24Y$14Y4.B`R,'!X)SX@0F%S:6,@96%R;FEN9W,@<&5R('-H87)E(&EN8VQU
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M<F-H87-E(#$P,RPU-S`L(#0Y+#@T,BP@86YD(#$X-2PY,3<@<VAA<F5S(&]F
M(&-O;6UO;B!S=&]C:R!W97)E(&]U='-T86YD:6YG(&1U<FEN9R`R,#$S+"`R
M,#$R(&%N9"`R,#$Q+"!R97-P96-T:79E;'DL(&)U="!W97)E(&YO="!I;F-L
M=61E9"!I;B!T:&4@8V]M<'5T871I;VX@;V8@9&EL=71E9"!E87)N:6YG<R!P
M97(@8V]M;6]N('-H87)E(&)E8V%U<V4@=&\@9&\@<V\@=V]U;&0@8F4@86YT
M:2UD:6QU=&EV92X@17AE<F-I<V4@<')I8V5S(&]F(&%N=&DM9&EL=71I=F4@
M;W!T:6]N<R!A;F0@=V%R<F%N="!T;R!P=7)C:&%S92!C;VUM;VX@<W1O8VL@
M;W5T<W1A;F1I;F<@=V5R92`D,RXP-29N8G-P.RTF;F)S<#LD-2XW-2P@)#(N
M.#`F;F)S<#LM)FYB<W`[)#4N-S4L(&%N9"`D,BXP-R9N8G-P.RTF;F)S<#LD
M-BXQ,"!D=7)I;F<@,C`Q,RP@,C`Q,B!A;F0@,C`Q,2P@<F5S<&5C=&EV96QY
M+B!$:79I9&5N9',@;VX@<')E9F5R<F5D('-H87)E<R!A<F4@9&5D=6-T960@
M9G)O;2!N970@:6YC;VUE(&EN('1H92!C86QC=6QA=&EO;B!O9B!E87)N:6YG
M<R!P97(@8V]M;6]N('-H87)E+CPO<#X@/&1I=B!S='EL93TS1"=415A4+4%,
M24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T
M.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[
M($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R
M;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[
M(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M
M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'
M2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E
M;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[
M($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,3$^665A<B!E;F1E9"!$96-E
M;6)E<B`S,2P\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)
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M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N
M;W)M86PG(&-O;'-P86X],T0S/C(P,3,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$R/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(
M14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,3PO=&0^(#PO='(^(#QT
M<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&
M3TY4+5=%24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!
M3$E'3CH@8V5N=&5R.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O
M;'-P86X],T0Q,3XH26X@=&AO=7-A;F1S+"!E>&-E<'0@<&5R('-H87)E(&1A
M=&$I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!&3TY4+5=%24=(5#H@8F]L9#L@4$%$1$E.1RU,
M1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!.=6UE<F%T;W(Z/&)R
M("\^(#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F
M;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C4L,3DS/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#4L
M,#,Y/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#8L-3,W/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!0<F5F97)R960@
M<W1O8VL@9&EV:61E;F1S(&%N9"!A8V-R971I;VX@;V8@<')E9F5R<F5D('-T
M;V-K(&1I<V-O=6YT/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,C`Y/"]S=')O;F<^/"]T9#X@/'1D('-T
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M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`X,C@\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
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M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0L.3@T/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H
M="<^(#0L,C$Q/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!R:6=H="<^(#4L,34R/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@
M<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/
M3E0M5T5)1TA4.B!B;VQD.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^($1E;F]M:6YA=&]R.CQB<B`O/B`\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^(%=E:6=H=&5D(&%V97)A9V4@8V]M;6]N
M('-H87)E<R!O=71S=&%N9&EN9R`H8F%S:6,I/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3@L.30R/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,3DL-C@U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,C$L,3@T/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!%9F9E8W0@;V8@<W1O8VL@;W!T:6]N<R]W87)R86YT
M<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/CDR/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
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M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`V,CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,C$\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!796EG:'1E9"!A
M=F5R86=E(&-O;6UO;B!S:&%R97,@;W5T<W1A;F1I;F<@*&1I;'5T960I/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^,3DL,#,T/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3DL-S0W/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,C$L,C`U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M
M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@16%R;FEN9W,@<&5R
M(&-O;6UO;B!S:&%R93H\8G(@+SX@/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N
M8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`R,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!"87-I8SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C`N,C8\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,"XR,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`P+C(T/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C`N,C8\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`P+C(Q/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,"XR-#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QH-2!S='EL93TS1"=4
M15A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$58
M5"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q
M,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%
M1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$58
M5"U)3D1%3E0Z(#!P="<^(%-43T-++4)!4T5$($-/35!%3E-!5$E/3CH\+V@U
M/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"
M3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P
M=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E
M<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M
M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!4:&4@0V]M<&%N>2!U
M<V5S('1H92!M;V1I9FEE9"!P<F]S<&5C=&EV92!M971H;V0@9F]R(&%C8V]U
M;G1I;F<@;V8@<W1O8VLM8F%S960@8V]M<&5N<V%T:6]N+B!4:&4@0V]M<&%N
M>2!R96-O9VYI>F5D("0X,BPP,#`L("0S."PP,#`@86YD("0Q-2PP,#`@;V8@
M<')E=&%X(&-O;7!E;G-A=&EO;B!E>'!E;G-E(&9O<B!T:&4@>65A<G,@,C`Q
M,RP@,C`Q,B!A;F0@,C`Q,2X@5&AE(&9A:7(@=F%L=64@;V8@96%C:"!O<'1I
M;VX@9W)A;G0@:7,@97-T:6UA=&5D(&]N('1H92!G<F%N="!D871E('5S:6YG
M('1H92!";&%C:RU38VAO;&5S(&]P=&EO;B!P<FEC:6YG(&UO9&5L+B!3964@
M3F]T92`Q."!F;W(@9&5T86EL<R!O;B!T:&4@87-S=6UP=&EO;G,@=7-E9"X\
M+W`^(#QH-2!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.
M1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z
M(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L
M(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)
M3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^($%#0U5-54Q!5$5$
M($]42$52($-/35!214A%3E-)5D4@3$]34SH\+V@U/B`\<"!S='EL93TS1"=4
M15A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$58
M5"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q
M,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%
M1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$58
M5"U)3D1%3E0Z(#(P<'@G/B!4:&4@0V]M<&%N>2!P<F5S96YT<R!T:&4@8V]M
M<&]N96YT<R!O9B!O=&AE<B!C;VUP<F5H96YS:79E(&EN8V]M92`H;&]S<RD@
M:6X@=&AE($-O;G-O;&ED871E9"!3=&%T96UE;G1S(&]F($-O;7!R96AE;G-I
M=F4@26YC;VUE+B!4:&5S92!C;VUP;VYE;G1S(&%R92!C;VUP<FES960@;V8@
M=&AE(&-H86YG92!I;B!T:&4@9&5F:6YE9"!B96YE9FET('!E;G-I;VX@;V)L
M:6=A=&EO;B!A;F0@=&AE('5N<F5A;&EZ960@:&]L9&EN9R!G86EN<R`H;&]S
M<V5S*2!O;B!A=F%I;&%B;&4@9F]R('-A;&4@<V5C=7)I=&EE<RP@;F5T(&]F
M(&%N>2!R96-L87-S:69I8V%T:6]N(&%D:G5S=&UE;G1S(&9O<B!R96%L:7IE
M9"!G86EN<R!A;F0@;&]S<V5S+CPO<#X@/'`@<W1Y;&4],T0G5$585"U44D%.
M4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE
M<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[
M($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4
M.B`R,'!X)SX@5&AE(&9O;&QO=VEN9R!T86)L92!S971S(&9O<G1H('1H92!C
M;VUP;VYE;G1S(&]F(&%C8W5M=6QA=&5D(&]T:&5R(&-O;7!R96AE;G-I=F4@
M;&]S<RP@;F5T(&]F('1A>#H\+W`^(#QD:78@<W1Y;&4],T0G5$585"U!3$E'
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M1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4
M.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL
M<&%D9&EN9STS1#`@=VED=&@],T0U-30^(#QT<CX@/'1D/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO
M=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
M.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M
M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS
M1#<^050@1$5#14U"15(@,S$L/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M
M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$S/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@
M3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,CPO=&0^(#PO
M='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
M.'!T.R!&3TY4+5=%24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@
M5$585"U!3$E'3CH@8V5N=&5R.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VTG(&-O;'-P86X],T0W/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%!E;G-I
M;VX@;V)L:6=A=&EO;B!F;W(@9&5F:6YE9"!B96YE9FET('!L86X\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXH-BPY,3@I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("@Y+#4R,#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+
M1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!5;G)E86QI>F5D(&AO;&1I;F<@9V%I;G,@;VX@879A:6QA8FQE(&9O<B!S
M86QE('-E8W5R:71I97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#`T,SPO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M-"PQ-#$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^(%1O=&%L(&%C8W5M=6QA=&5D(&]T:&5R(&-O;7!R96AE;G-I
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M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N
M9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@U+#@W-2D\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
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M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
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M("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@
M/"]D:78^(#QH-2!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$
M1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU4
M3U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM
M97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!
M1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^($-/3E-/3$E$
M051%1"!35$%414U%3E0@3T8@0T%32"!&3$]74SH\+V@U/B`\<"!S='EL93TS
M1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@
M5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P
M="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'
M+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@
M5$585"U)3D1%3E0Z(#(P<'@G/B!/;B!A(&-O;G-O;&ED871E9"!B87-I<RP@
M8V%S:"!A;F0@8V%S:"!E<75I=F%L96YT<R!I;F-L=61E(&-A<V@@86YD(&1U
M92!F<F]M(&1E<&]S:71O<GD@:6YS=&ET=71I;VYS+"!I;G1E<F5S="!B96%R
M:6YG(&1E<&]S:71S+"!A;F0@<VAO<G0M=&5R;2!I;G9E<W1M96YT<R!I;B!M
M;VYE>2!M87)K970@9G5N9',N(%1H92!#;VUP86YY(&UA9&4@)#$S-RPP,#`@
M:6X@:6YC;VUE('1A>"!P87EM96YT<R!I;B`R,#$S.R`D,30R+#`P,"!I;B`R
M,#$R.R!A;F0@)#DW+#`P,"!I;B`R,#$Q+B!4:&4@0V]M<&%N>2!H860@;F]N
M+6-A<V@@=')A;G-F97)S('1O(&]T:&5R(')E86P@97-T871E(&]W;F5D("A/
M4D5/*2!I;B!T:&4@86UO=6YT<R!O9B`D-S8V+#`P,"!I;B`R,#$S.R`D,2PR
M-C8L,#`P(&EN(#(P,3([(&%N9"`D,38Y+#`P,"!I;B`R,#$Q+B!4:&4@0V]M
M<&%N>2!M861E('1O=&%L(&EN=&5R97-T('!A>6UE;G1S(&]F("0V+#<X,2PP
M,#`@:6X@,C`Q,SL@)#@L,34T+#`P,"!I;B`R,#$R.R!A;F0@)#$P+#8Y.2PP
M,#`@:6X@,C`Q,2X\+W`^(#QH-2!S='EL93TS1"=415A4+51204Y31D]233H@
M;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@
M4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2
M;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE.
M.B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^
M($E.0T]-12!405A%4SH\+V@U/B`\<"!S='EL93TS1"=415A4+51204Y31D]2
M33H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F
M=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE
M=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%2
M1TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P
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M86EL86)L92!E=FED96YC92X\+W`^(#QH-2!S='EL93TS1"=415A4+51204Y3
M1D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@
M;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S
M($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@
M34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z
M(#!P="<^($E.5$5215-4(%)!5$4@0T].5%)!0U13.CPO:#4^(#QP('-T>6QE
M/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T
M.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q
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M:&4@:&5D9V5D(&ET96TN/"]P/B`\<"!S='EL93TS1"=415A4+51204Y31D]2
M33H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F
M=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE
M=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%2
M1TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P
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M<RX\+W`^(#QH-2!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$
M1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU4
M3U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM
M97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!
M1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^(%)%0T5.5"!!
M0T-/54Y424Y'(%-404Y$05)$4SH\+V@U/B`\<"!S='EL93TS1"=415A4+512
M04Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'
M3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I
M;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P
M>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%
M3E0Z(#(P<'@G/B!);B!*=6QY(#(P,3,L('1H92!&:6YA;F-I86P@06-C;W5N
M=&EN9R!3=&%N9&%R9',@0F]A<F0@*$9!4T(I(&ES<W5E9"!!8V-O=6YT:6YG
M(%-T86YD87)D<R!5<&1A=&4@*$%352D@,C`Q,RTQ,2P@/&5M/DEN8V]M92!4
M87AE<R`H5&]P:6,@-S0P*3H@4')E<V5N=&%T:6]N(&]F(&%N(%5N<F5C;V=N
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M8V5M8F5R(#$U+"`R,#$S+B!%87)L>2!A9&]P=&EO;B!I<R!P97)M:71T960N
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M:6%L('-T871E;65N=',N/"]P/B`\<"!S='EL93TS1"=415A4+51204Y31D]2
M33H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F
M=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE
M=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%2
M1TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P
M<'@G/B!);B!*86YU87)Y(#(P,30L('1H92!&05-"(&ES<W5E9"!!4U4@,C`Q
M-"TP-"P@/&5M/E)E8V5I=F%B;&5S)FYB<W`[+29N8G-P.U1R;W5B;&5D($1E
M8G0@4F5S=')U8W1U<FEN9W,@8GD@0W)E9&ET;W)S("A3=6)T;W!I8R`S,3`M
M-#`I.B!296-L87-S:69I8V%T:6]N(&]F(%)E<VED96YT:6%L(%)E86P@17-T
M871E($-O;&QA=&5R86QI>F5D($-O;G-U;65R($UO<G1G86=E($QO86YS('5P
M;VX@1F]R96-L;W-U<F4N/"]E;3X@5&AE(&%M96YD;65N=',@:6X@=&AI<R!5
M<&1A=&4@8VQA<FEF>2!T:&%T(&%N(&EN('-U8G-T86YC92!R97!O<W-E<W-I
M;VX@;W(@9F]R96-L;W-U<F4@;V-C=7)S+"!A;F0@82!C<F5D:71O<B!I<R!C
M;VYS:61E<F5D('1O(&AA=F4@<F5C96EV960@<&AY<VEC86P@<&]S<V5S<VEO
M;B!O9B!R97-I9&5N=&EA;"!R96%L(&5S=&%T92!P<F]P97)T>2!C;VQL871E
M<F%L:7II;F<@82!C;VYS=6UE<B!M;W)T9V%G92!L;V%N+"!U<&]N(&5I=&AE
M<B`H,2D@=&AE(&-R961I=&]R(&]B=&%I;FEN9R!L96=A;"!T:71L92!T;R!T
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M8V5M8F5R(#$U+"`R,#$T+B!!;B!E;G1I='D@8V%N(&5L96-T('1O(&%D;W!T
M('1H92!A;65N9&UE;G1S(&EN('1H:7,@57!D871E('5S:6YG(&5I=&AE<B!A
M(&UO9&EF:65D(')E=')O<W!E8W1I=F4@=')A;G-I=&EO;B!M971H;V0@;W(@
M82!P<F]S<&5C=&EV92!T<F%N<VET:6]N(&UE=&AO9"X@5&AI<R!!4U4@:7,@
M;F]T(&5X<&5C=&5D('1O(&AA=F4@82!S:6=N:69I8V%N="!I;7!A8W0@;VX@
M=&AE($-O;7!A;GDF(S,Y.W,@9FEN86YC:6%L('-T871E;65N=',N/"]P/B`\
M(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO
M:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?
M.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O
M0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS
M:&5E=',O4VAE970Q,"YH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG
M.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@
M8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\
M345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X
M="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA
M=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@
M0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A
M8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P14U%/@T*("`@("`@/'1R/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$
M,CX\<W1R;VYG/D-!4T@@04Y$($1512!&4D]-($1%4$]3251/4ED@24Y35$E4
M551)3TY3/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1H(&-O;'-P86X],T0Q/C$R($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N
M(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#X\<W1R;VYG/D-!4T@@04Y$($1512!&4D]-($1%4$]3251/4ED@24Y35$E4
M551)3TY3(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/D-!4T@@04Y$($1512!&4D]-($1%4$]3251/4ED@
M24Y35$E4551)3TY3/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/"$M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N
M,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT
M;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I
M=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\:#(@<W1Y;&4],T0G5$585"U4
M4D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)
M1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`U<'0[($9/3E0Z(&)O;&0@,3!P="\Q
M,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%
M1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$58
M5"U)3D1%3E0Z(#!P="<^(#(N)FYB<W`[)FYB<W`[0T%32"!!3D0@1%5%($92
M3TT@1$503U-)5$]262!)3E-425155$E/3E,\+V@R/B`\<"!S='EL93TS1"=4
M15A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$58
M5"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q
M,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%
M1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$58
M5"U)3D1%3E0Z(#(P<'@G/B!);F-L=61E9"!I;B`B0V%S:"!A;F0@9'5E(&9R
M;VT@9&5P;W-I=&]R>2!I;G-T:71U=&EO;G,B(&%R92!R97%U:7)E9"!F961E
M<F%L(')E<V5R=F5S(&]F("0V,2PP,#`@86YD("0P(&%T($1E8V5M8F5R(#,Q
M+"`R,#$S(&%N9"`R,#$R+"!R97-P96-T:79E;'DL(&9O<B!F86-I;&ET871I
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M<V5R=F4@0F%N:RX\+W`^(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV/B`\+V1I
M=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L
M93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R
M,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,
M;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W
M-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E=#$Q+FAT;6P-"D-O;G1E;G0M
M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M
M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^
M#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y
M<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I
M<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O
M($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*
M("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%
M344^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P
M86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^24Y615-4345.5"!314-54DE4
M2453/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H
M(&-O;'-P86X],T0Q/C$R($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q
M+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\
M<W1R;VYG/DE.5D535$U%3E0@4T5#55))5$E%4R!;06)S=')A8W1=/"]S=')O
M;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y)3E9%4U1-
M14Y4(%-%0U52251)15,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\(2TM1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@
M,2XP(%1R86YS:71I;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X
M:'1M;#$O1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\
M9&EV('-T>6QE/3-$)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2U3=&%R=$9R86=M96YT+2T^(#QH,B!S='EL93TS1"=415A4
M+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!
M3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#5P=#L@1D].5#H@8F]L9"`Q,'!T
M+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M
M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!4
M15A4+4E.1$5.5#H@,'!T)SX@,RXF;F)S<#LF;F)S<#M)3E9%4U1-14Y4(%-%
M0U52251)15,\+V@R/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N
M93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$
M1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA
M;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P
M<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!4
M:&4@8V]S="!B87-I<R!A;F0@9F%I<B!V86QU97,@;V8@:6YV97-T;65N="!S
M96-U<FET:65S(&%R92!S=6UM87)I>F5D(&%S(&9O;&QO=W,Z/"]P/B`\<"!S
M='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ
M(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].
M5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0
M041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z
M(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!);G9E<W1M96YT('-E8W5R:71I
M97,@879A:6QA8FQE(&9O<B!S86QE.CPO<#X@/&1I=B!S='EL93TS1"=415A4
M+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q
M,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R
M:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@
M;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M
M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)
M3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M
M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P
M(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M
M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L
M9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C
M;VQS<&%N/3-$,34^050@1$5#14U"15(@,S$L(#(P,3,\+W1D/B`\+W1R/B`\
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M;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D-/
M4U0@0D%325,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS
M<&%N/3-$,SY'4D]34R!53E)%04Q)6D5$($=!24Y3/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^1U)/4U,@54Y214%,25I%
M1"!,3U-315,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS
M<&%N/3-$,SY&04E2/&)R("\^(%9!3%5%/"]T9#X@/"]T<CX@/'1R/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[
M($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)
M1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C
M96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS
M1#$U/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%4N4RX@06=E;F-Y/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^-BPY,C8\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C,U/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXH,3(V*3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^-BPX,S4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
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M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3$L.3DR/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXR,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^*#(U,BD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$Q
M+#<V,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P
M-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&
M5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@52Y3+B!!9V5N8WD@;6]R
M=&=A9V4M8F%C:V5D('-E8W5R:71I97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
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M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C,L,3(Y/"]S=')O;F<^/"]T9#X@/'1D('-T
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M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/B@Q+#(R-RD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3(S+#,X,CPO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M(%1O=&%L/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG
M/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,30P+#,Y.#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R
M;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,RPQ.#4\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T
M<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@Q+#8P-2D\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#
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M86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$T,2PY-S@\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\
M<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U14
M3TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@
M1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF
M.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'
M2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!);G9E<W1M96YT('-E8W5R
M:71I97,@:&5L9"!T;R!M871U<FET>3H\+W`^(#QD:78@<W1Y;&4],T0G5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/'1A8FQE('-T>6QE/3-$)T9/3E0M4TE:13H@
M,3!P=#L@1D].5"U&04U)3%DZ(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E
M<FEF.R!&3TY4+59!4DE!3E0Z(&YO<FUA;#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+51204Y31D]233H@;F]N93L@1D].5"U714E'2%0Z
M(&YO<FUA;#L@4$%$1$E.1RU"3U143TTZ(#-P=#L@1D].5"U35%E,13H@;F]R
M;6%L.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!0041$
M24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'
M+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$
M,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0V,#@^(#QT<CX@/'1D/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S
M/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/
M3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O
M;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@
M8V]L<W!A;CTS1#$U/D%4($1%0T5-0D52(#,Q+"`R,#$S/"]T9#X@/"]T<CX@
M/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'
M3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY#
M3U-4($)!4TE3/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
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M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D=23U-3(%5.4D5!3$E:
M140@3$]34T53/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L
M<W!A;CTS1#,^1D%)4CQB<B`O/B!604Q513PO=&0^(#PO='(^(#QT<CX@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%
M24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@
M8V5N=&5R.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X]
M,T0Q-3XH24X@5$A/55-!3D13*3PO=&0^(#PO='(^(#QT<B!S='EL93TS1"="
M04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494
M.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!5+E,N($%G96YC>2!M;W)T
M9V%G92UB86-K960@<V5C=7)I=&EE<SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$R+#8W,3PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG
M/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,C@Y
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O
M;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH
M-#<W*3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\
M<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,3(L-#@S/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1A>&%B;&4@
M;75N:6-I<&%L/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,2PU,C$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@Q,C`I/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#0P,3PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)
M3D1%3E0Z("TQ,'!T)SX@0V]R<&]R871E(&)O;F1S(&%N9"!O=&AE<B!S96-U
M<FET:65S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^,RPY.34\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
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M9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C,L.3`T/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
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M5"U)3D1%3E0Z("TQ,'!T)SX@5&]T86P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXQ."PQ.#<\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
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M/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C(X.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^*#8X."D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
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M/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C$W+#<X.#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L
M93X@/"]D:78^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0
M041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'
M+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4
M:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@
M4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^($EN=F5S
M=&UE;G0@<V5C=7)I=&EE<R!A=F%I;&%B;&4@9F]R('-A;&4Z/"]P/B`\9&EV
M('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS
M1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M
M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[
M($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/
M3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU4
M3U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T
M(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C
M96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\
M='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C
M;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL
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M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)
M1TA4.B!N;W)M86PG(&-O;'-P86X],T0Q-3Y!5"!$14-%34)%4B`S,2P@,C`Q
M,CPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/
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M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M
M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4
M.B!N;W)M86PG(&-O;'-P86X],T0S/D=23U-3(%5.4D5!3$E:140@1T%)3E,\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
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M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M
M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4
M.B!N;W)M86PG(&-O;'-P86X],T0S/D9!25(\8G(@+SX@5D%,544\+W1D/B`\
M+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#
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M=&]M)R!C;VQS<&%N/3-$,34^*$E.(%1(3U5304Y$4RD\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T
M*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@52Y3
M+B!!9V5N8WD\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#4L
M.#0X/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^-S`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXH-SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-2PY,3$\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#<L.3DR/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXS
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@*#$P,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`W+#@Y,CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%
M3E0Z("TQ,'!T)SX@52Y3+B!!9V5N8WD@;6]R=&=A9V4M8F%C:V5D('-E8W5R
M:71I97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,3,Q+#0R-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@-BPS,C`\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^("@Q,#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M(#$S-RPW,S4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
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M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,30U+#(V-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@<FEG:'0G/B`V+#,Y,SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`H,3(P/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q
M-3$L-3,X/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/'`@
M<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-
M.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/
M3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@
M4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4
M.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@26YV97-T;65N="!S96-U<FET
M:65S(&AE;&0@=&\@;6%T=7)I='DZ/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P
M<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I
M9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N
M;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA
M;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.
M1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU2
M24=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@
M8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
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M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O
M;'-P86X],T0Q-3Y!5"!$14-%34)%4B`S,2P@,C`Q,CPO=&0^(#PO='(^(#QT
M<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0S/D=23U-3(%5.4D5!3$E:140@1T%)3E,\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0S/D9!25(\8G(@+SX@5D%,544\+W1D/B`\+W1R/B`\='(^(#QT9"!S
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M,34^*$E.(%1(3U5304Y$4RD\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@
M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@52Y3+B!!9V5N8WD@;6]R=&=A
M9V4M8F%C:V5D('-E8W5R:71I97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#DL,S$X/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^-3<X/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`Y+#@Y-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!487AA8FQE(&UU;FEC:7!A;#PO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C0Q,#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^-#$V/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!#;W)P;W)A=&4@8F]N9',@86YD(&]T:&5R('-E8W5R
M:71I97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,RPY.34\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
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M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`H-34\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`S+#DU
M-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q
M,RPW,C,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#
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M86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
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M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!R:6=H="<^("@U-3PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,30L,C8V/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/'`@<W1Y;&4],T0G5$58
M5"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M
M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P
M="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494
M.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M
M24Y$14Y4.B`R,'!X)SX@36%I;G1A:6YI;F<@:6YV97-T;65N="!Q=6%L:71Y
M(&ES(&$@<')I;6%R>2!O8FIE8W1I=F4@;V8@=&AE($-O;7!A;GDF(S,Y.W,@
M:6YV97-T;65N="!P;VQI8WD@=VAI8V@L('-U8FIE8W0@=&\@8V5R=&%I;B!L
M:6UI=&5D(&5X8V5P=&EO;G,L('!R;VAI8FET<R!T:&4@<'5R8VAA<V4@;V8@
M86YY(&EN=F5S=&UE;G0@<V5C=7)I='D@8F5L;W<@82!-;V]D>28C,SD[<R!)
M;G9E<W1O<G,@4V5R=FEC92!O<B!3=&%N9&%R9"`F86UP.R!0;V]R)B,S.3MS
M(')A=&EN9R!O9B!!+B!!="!$96-E;6)E<B`S,2P@,C`Q,RP@.#DN,"4@;V8@
M=&AE('!O<G1F;VQI;R!W87,@<F%T960@04%!(&%S(&-O;7!A<F5D('1O(#DR
M+C(E(&%T($1E8V5M8F5R(#,Q+"`R,#$R+B`Q+CDE(&]F('1H92!P;W)T9F]L
M:6\@=V%S(')A=&5D(&)E;&]W($$@;W(@=6YR871E9"!O;B!$96-E;6)E<B`S
M,2P@,C`Q,RX@5&AE($-O;7!A;GD@86YD(&ET<R!S=6)S:61I87)I97,L(&-O
M;&QE8W1I=F5L>2P@9&ED(&YO="!H;VQD('-E8W5R:71I97,@;V8@86YY('-I
M;F=L92!I<W-U97(L(&5X8VQU9&EN9R!5+E,N(%1R96%S=7)Y(&%N9"!5+E,N
M($%G96YC:65S+"!T:&%T(&5X8V5E9&5D(#$P)2!O9B!S:&%R96AO;&1E<G,F
M(S,Y.R!E<75I='D@870@1&5C96UB97(@,S$L(#(P,3,N/"]P/B`\<"!S='EL
M93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P
M=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@
M,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$
M24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P
M=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!4:&4@8F]O:R!V86QU92!O9B!S96-U
M<FET:65S+"!B;W1H(&%V86EL86)L92!F;W(@<V%L92!A;F0@:&5L9"!T;R!M
M871U<FET>2P@<&QE9&=E9"!T;R!S96-U<F4@<'5B;&EC(&%N9"!T<G5S="!D
M97!O<VET<RP@86YD(&-E<G1A:6X@1F5D97)A;"!(;VUE($QO86X@0F%N:R!B
M;W)R;W=I;F=S('=A<R`D,3$P+#<X,"PP,#`@870@1&5C96UB97(@,S$L(#(P
M,3,@86YD("0Y-"PR,#8L,#`P(&%T($1E8V5M8F5R(#,Q+"`R,#$R+CPO<#X@
M/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]4
M5$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[
M($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I
M9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))
M1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@5&AE($-O;7!A;GD@<F5A
M;&EZ960@)#(X.2PP,#`@;V8@9W)O<W,@:6YV97-T;65N="!S96-U<FET>2!G
M86EN<R!A;F0@)#@U+#`P,"!O9B!I;G9E<W1M96YT('-E8W5R:71Y(&QO<W-E
M<R!I;B`R,#$S+"!A;F0@)#$R+#`P,"!O9B!G<F]S<R!I;G9E<W1M96YT(&=A
M:6YS(&%N9"!N;R!I;G9E<W1M96YT('-E8W5R:71Y(&QO<W-E<R!I;B`R,#$R
M+"!A;F0@)#,U."PP,#`@;V8@9W)O<W,@:6YV97-T;65N="!L;W-S97,@86YD
M(&YO(&EN=F5S=&UE;G0@<V5C=7)I='D@9V%I;G,@:6X@,C`Q,2X@3VX@82!N
M970@8F%S:7,L('1H92!R96%L:7IE9"!G86EN(&9O<B`R,#$S('=A<R`D,3,U
M+#`P,"!A9G1E<B!F86-T;W)I;F<@:6X@=&%X(&5X<&5N<V4@;V8@)#8Y+#`P
M,"P@=&AE(')E86QI>F5D(&=A:6X@9F]R(#(P,3(@=V%S("0X+#`P,"!A9G1E
M<B!F86-T;W)I;F<@:6X@=&%X(&5X<&5N<V4@;V8@)#0L,#`P+"!T:&4@<F5A
M;&EZ960@;&]S<R!F;W(@,C`Q,2!W87,@)#(S-BPP,#`L(&%F=&5R(&9A8W1O
M<FEN9R!T:&4@=&%X(&)E;F5F:70@;V8@)#$R,BPP,#`N(%!R;V-E961S(&9R
M;VT@<V%L97,@;V8@:6YV97-T;65N="!S96-U<FET:65S(&%V86EL86)L92!F
M;W(@<V%L92!W97)E("0Q,2XR(&UI;&QI;VX@9F]R(#(P,3,L("0T+C(@;6EL
M;&EO;B!F;W(@,C`Q,BP@86YD("0Q-BXU(&UI;&QI;VX@9'5R:6YG(#(P,3$N
M/"]P/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.
M1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z
M(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L
M(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)
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M9B!M871U<FET>2!A<R!O9B!$96-E;6)E<B`S,2P@,C`Q,RX@66EE;&1S(&%R
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M($1E8V5M8F5R(#,Q+"`R,#$S(&9O<B!5+E,N($%G96YC>2P@52Y3+B!!9V5N
M8WD@36]R=&=A9V4M0F%C:V5D(&%N9"!#;W)P;W)A=&4@0F]N9"!S96-U<FET
M:65S('=A<R`S+C@T+"`U+C`W(&%N9"`T+C<S('EE87)S+"!R97-P96-T:79E
M;'DN(%1H92!W96EG:'1E9"!A=F5R86=E(&5X<&5C=&5D(&UA='5R:71Y(&9O
M<B!H96QD('1O(&UA='5R:71Y('-E8W5R:71I97,@870@1&5C96UB97(@,S$L
M(#(P,3,@9F]R(%4N4RX@06=E;F-Y($UO<G1G86=E+4)A8VME9"!A;F0@0V]R
M<&]R871E($)O;F1S+U1A>&%B;&4@375N:6-I<&%L<R!A;F0@;W1H97(@<V5C
M=7)I=&EE<R!W97)E(#8N-S,@86YD(#4N.#(@>65A<G,N/"]P/B`\<"!S='EL
M93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P
M=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@
M,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$
M24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P
M=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!);G9E<W1M96YT('-E8W5R:71I97,@
M879A:6QA8FQE(&9O<B!S86QE.CPO<#X@/&1I=B!S='EL93TS1"=415A4+4%,
M24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T
M.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[
M($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R
M;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[
M(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M
M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'
M2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E
M;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N
M;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS
M1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N
M;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@
M8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L
M)R!C;VQS<&%N/3-$,S$^050@1$5#14U"15(@,S$L(#(P,3,\+W1D/B`\+W1R
M/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM
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M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
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M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
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M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M
M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4
M.B!N;W)M86PG(&-O;'-P86X],T0W/E1/5$%,($E.5D535$U%3E0@4T5#55))
M5$E%4R!!5D%)3$%"3$4@1D]2(%-!3$4\+W1D/B`\+W1R/B`\='(^(#QT9"!S
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M,S$^*$E.(%1(3U5304Y$4RP@15A#15!4(%E)14Q$4RD\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T
M*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0T]3
M5"!"05-)4SQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/
M4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^(%=I=&AI;B`Q('EE87(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXM)3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^+24\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BTE
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O
M;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM)3PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($%F=&5R(#$@>65A<B!B=70@
M=VET:&EN/&)R("\^(#4@>65A<G,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXU+#DR-CPO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^,2XU,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^,2PX,3,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0N
M-30\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C<L.3DT/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+C4V/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXQ-2PW,S,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C$N.3`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,2PP,#`\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$N-#,\+W-T<F]N9SX\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C$R+#,X,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^,BXX.#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,RPY.3@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$N.3$\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$W+#,W.3PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,BXU.3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^($%F=&5R(#$P('EE87)S(&)U="!W:71H:6X@
M,34@>65A<G,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXV-"PS-#<\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(N-S0\+W-T<F]N9SX\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8T+#,T-SPO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,BXW-#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($]V97(@,34@>65A<G,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
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M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
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M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C(N-S0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
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M9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C0R+#DS.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR+C<T
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+
M1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
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M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8L
M.3(V/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+C0Y/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O
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M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
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M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,2PY.3(\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
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M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C$N-C@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C$T,"PS.3@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C(N-C,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P
M=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@1D%)4B!604Q513QB<B`O/B`\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S
M<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C4L.#DX/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#DS
M-#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^-RPY-#<\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F
M;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$U+#<W.3PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^($%F=&5R(#4@>65A<G,@8G5T('=I=&AI;B`Q,"!Y
M96%R<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/CDS-SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3(L-S,U/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXS
M+#@Q-#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^,3<L-#@V/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($%F=&5R(#$P('EE
M87)S(&)U="!W:71H:6X@,34@>65A<G,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXV-"PW
M-3$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S
M<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8T+#<U,3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@
M3W9E<B`Q-2!Y96%R<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXT,RPY-C(\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
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M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!4;W1A;#PO=&0^
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C8L.#,U/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
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M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXQ,2PW-C$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
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M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T
M<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$T,2PY-S@\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#
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M:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO
M=&%B;&4^(#PO9&EV/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N
M93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$
M1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA
M;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P
M<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!)
M;G9E<W1M96YT('-E8W5R:71I97,@:&5L9"!T;R!M871U<FET>3H\+W`^(#QD
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M+51/4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P
M<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G
M(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0V,#@^
M(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#(S/D%4($1%0T5-0D52(#,Q
M+"`R,#$S/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M
M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
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M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O
M;'-P86X],T0W/D-/4E!/4D%412!"3TY$4R!!3D0@3U1(15(\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
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M24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!&3TY4+5=%24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG
M(&-O;'-P86X],T0R,SXH24X@5$A/55-!3D13+"!%6$-%4%0@64E%3$13*3PO
M=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H
M,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B!#3U-4($)!4TE3/&)R("\^(#PO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BTE/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXM)3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M+24\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!!9G1E
M<B`Q('EE87(@8G5T('=I=&AI;B`U('EE87)S/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^,RPP,#`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$N
M-#8\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,L,#`P/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+C0V/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^($%F=&5R(#4@>65A<G,@8G5T('=I=&AI;B`Q,"!Y96%R
M<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C$L-S8P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR+C$P
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXQ+#<V,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,BXQ,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P
M-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($%F
M=&5R(#$P('EE87)S(&)U="!W:71H:6X@,34@>65A<G,\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXQ+#`Q,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,RXQ-#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,2PP,3$\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,N,30\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="
M04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!/=F5R(#$U('EE87)S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3`L.3$Q/"]S=')O;F<^/"]T
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M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C,N-#D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,2PU
M,#4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-"XU-#PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXQ,BPT,38\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,RXV
M,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)
M3D1%3E0Z("TQ,'!T)SX@5&]T86P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ
M,BPV-S$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
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M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,N,S`\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
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M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T
M<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C4L-3$V/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
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M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ."PQ.#<\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
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M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C,N,#D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^
M(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M
M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@1D%)4B!604Q513QB
M<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C(L.38V/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR+#DV-CPO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($%F=&5R(#4@>65A<G,@8G5T('=I=&AI;B`Q,"!Y96%R<SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$L-C$X
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#8Q.#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H
M:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!!
M9G1E<B`Q,"!Y96%R<R!B=70@=VET:&EN(#$U('EE87)S/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^.#DQ/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXX.3$\+W-T<F]N9SX\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U
M-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($]V97(@,34@>65A
M<G,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXQ,"PX-C4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXQ+#0T.#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[/"]T9#X@
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M9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C$R+#,Q,SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[/"]T9#X@
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M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@5&]T86P\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXQ,BPT.#,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`F
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#
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M86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C4L,S`U/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXQ-RPW.#@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\<"!S='EL93TS
M1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@
M5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P
M="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'
M+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@
M5$585"U)3D1%3E0Z(#(P<'@G/B!4:&4@9F]L;&]W:6YG('1A8FQE<R!P<F5S
M96YT(&EN9F]R;6%T:6]N(&-O;F-E<FYI;F<@:6YV97-T;65N=',@=VET:"!U
M;G)E86QI>F5D(&QO<W-E<R!A<R!O9B!$96-E;6)E<B`S,2P@,C`Q,R`H:6X@
M=&AO=7-A;F1S*3H\+W`^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N
M;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0
M041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O
M;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ
M(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^
M($EN=F5S=&UE;G0@<V5C=7)I=&EE<R!A=F%I;&%B;&4@9F]R('-A;&4Z/"]P
M/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S
M='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.
M97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ
M(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S
M<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$
M1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T
M<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@
M,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$
M-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO
M;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^
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M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([
M($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0W/DQ%4U,@5$A!3B`Q
M,B!-3TY42%,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS
M<&%N/3-$-SXQ,B!-3TY42%,@3U(@3$].1T52/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(
M14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#<^5$]404P\+W1D/B`\+W1R/B`\
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M;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D9!
M25(@5D%,544\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS
M<&%N/3-$,SY53E)%04Q)6D5$($Q/4U-%4SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)
M1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D9!25(@5D%,544\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0S/D9!25(@5D%,544\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
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M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXS+#@Q,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^*#8T*3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^.3,X/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH-C(I/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXT+#<U,#PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#$R-BD\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="
M04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494
M.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!5+E,N($%G96YC>2!M;W)T
M9V%G92UB86-K960\8G(@+SX@<V5C=7)I=&EE<SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0S+#0P,CPO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#$L,C(T*3PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^-C8Y/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXH,RD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0T
M+#`W,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#$L,C(W*3PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^($-O<G!O<F%T92!B;VYD<SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8L-S<W/"]S
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M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@R,34I/"]S=')O;F<^/"]T9#X@/'1D
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M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\
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M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@S-RD\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^."PW-#`\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^*#(U,BD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#(P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^-3,L.3DQ/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT
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M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXS+#4W,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^*#$P,BD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C4W+#4V,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^*#$L-C`U*3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QP('-T>6QE/3-$)U1%6%0M5%)!
M3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=.
M.B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM
M97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X
M.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.
M5#H@,C!P>"<^($EN=F5S=&UE;G0@<V5C=7)I=&EE<R!H96QD('1O(&UA='5R
M:71Y.CPO<#X@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT97(G/B`\
M=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@
M5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@
M;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!
M3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/
M5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE
M9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'
M24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)
M3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W
M:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N
M;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS
M1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU
M;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A
M;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE
M9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M
M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@
M8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$-SY,15-3
M(%1(04X@,3(@34].5$A3/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
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M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([
M($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0W/E1/5$%,/"]T9#X@
M/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N
M/3-$,SY&04E2(%9!3%5%/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA
M;"<@8V]L<W!A;CTS1#,^54Y214%,25I%1"!,3U-315,\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY&04E2(%9!3%5%/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^54Y2
M14%,25I%1"!,3U-315,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@
M8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L
M)R!C;VQS<&%N/3-$,SY&04E2(%9!3%5%/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'
M2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^54Y214%,25I%1"!,3U-315,\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-O<G!O
M<F%T92!B;VYD<R]T87AA8FQE(&UU;FEC:7!A;',@86YD(&]T:&5R('-E8W5R
M:71I97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXS+#@P,3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#(P-2D\+W-T<F]N9SX\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/CDY-#PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#8I/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXT+#<Y-3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#(Q,2D\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^(%4N4RX@06=E;F-Y(&UO<G1G86=E+6)A
M8VME9"!S96-U<FET:65S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^."PW-C$\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^*#0W-RD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
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M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
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M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@T-S<I/"]S=')O;F<^
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M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,BPU-C(\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
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M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@V.#(I/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXY.30\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
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M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@V*3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3,L-34V/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH-C@X*3PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QP('-T>6QE/3-$)U1%
M6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4
M+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R
M<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&
M5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4
M+4E.1$5.5#H@,C!P>"<^(%1H92!F;VQL;W=I;F<@=&%B;&5S('!R97-E;G0@
M:6YF;W)M871I;VX@8V]N8V5R;FEN9R!I;G9E<W1M96YT<R!W:71H('5N<F5A
M;&EZ960@;&]S<V5S(&%S(&]F($1E8V5M8F5R(#,Q+"`R,#$R("AI;B!T:&]U
M<V%N9',I.CPO<#X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[
M(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)
M3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL
M(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T
M.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@26YV
M97-T;65N="!S96-U<FET:65S(&%V86EL86)L92!F;W(@<V%L93H\+W`^(#QD
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M+51/4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P
M<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G
M(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0V,#@^
M(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
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M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X]
M,T0W/C$R($U/3E1(4R!/4B!,3TY'15(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
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M969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E
M;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^1D%)4B!6
M04Q513PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
M(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X]
M,T0S/E5.4D5!3$E:140@3$]34T53/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
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M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E5.4D5!3$E:140@3$]3
M4T53/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
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M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG
M(&-O;'-P86X],T0S/E5.4D5!3$E:140@3$]34T53/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494
M.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!5+E,N($%G96YC>3PO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXY.3,\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXH-SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/CDY,SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B@W/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%4N4RX@06=E;F-Y(&UO<G1G
M86=E+6)A8VME9"!S96-U<FET:65S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#$L,30P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXH.#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#
M14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/C,T.3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^*#(\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PT
M.#D\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B@Q,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;W)P;W)A=&4@8F]N9',\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-BPX
M.3@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!R:6=H="<^("@Q,#,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@<FEG:'0G/B`M/"]T9#X@/'1D('-T>6QE/3-$)U9%
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M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`M/"]T9#X@/'1D('-T
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M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`V+#@Y
M.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@*#$P,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^("D\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$
M)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#(P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@<FEG:'0G/B`Y+#`S,3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`H,3$X/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G
M/B`S-#D\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#
M14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H
M:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@*#(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!R:6=H="<^(#DL,S@P/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^("@Q,C`\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/'`@<W1Y;&4],T0G5$58
M5"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M
M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P
M="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494
M.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M
M24Y$14Y4.B`R,'!X)SX@26YV97-T;65N="!S96-U<FET:65S(&AE;&0@=&\@
M;6%T=7)I='DZ/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-
M24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))
M04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)
M3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'
M3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[
M($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!4
M15A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<]
M,T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N
M/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D
M:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS
M<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C
M;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D
M/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@;&5F=#L@3$E.12U(14E'2%0Z(&YO<FUA;"<^("9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
M=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0W
M/DQ%4U,@5$A!3B`Q,B!-3TY42%,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$-SXQ,B!-3TY42%,@3U(@3$].1T52/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E
M;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#<^5$]404P\
M+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@
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M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O
M;'-P86X],T0S/D9!25(@5D%,544\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
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M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT
M97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D9!25(@5D%,
M544\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
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M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N
M;W)M86PG(&-O;'-P86X],T0S/D9!25(@5D%,544\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
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M1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;W)P;W)A=&4@8F]N
M9',@86YD(&]T:&5R('-E8W5R:71I97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!R:6=H="<^(#DV-3PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!R:6=H="<^("@S-3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#DX,3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^("@R,#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G
M/B`R+#DT-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!R:6=H="<^("@U-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^("D\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$
M)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#(P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@<FEG:'0G/B`Y-C4\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#,U/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q
M+#DX,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@<FEG:'0G/B`H,C`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!R:6=H="<^(#(L.30V/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^("@U-3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\<"!S='EL93TS1"=415A4
M+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!
M3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T
M(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z
M(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)
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M=64@;V8@<V5C=7)I=&EE<R!W:6QL(&EN8W)E87-E+B!4:&5R92!A<F4@-C`@
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M92!O<B!M871U<F4N/"]P/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D
M:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B
M;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X
M,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M
M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?
M-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970Q,BYH=&UL#0I#;VYT96YT
M+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT
M+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL
M/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4
M>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R
M:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$
M;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-
M"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P
M14U%/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS
M<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/DQ/04Y3/&)R/CPO<W1R;VYG
M/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/C$R
M($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/DQ/04Y3(%M!
M8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/DQ/04Y3/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/"$M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N
M,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT
M;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I
M=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\:#(@<W1Y;&4],T0G5$585"U4
M4D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)
M1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`U<'0[($9/3E0Z(&)O;&0@,3!P="\Q
M,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%
M1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$58
M5"U)3D1%3E0Z(#!P="<^(#0N)FYB<W`[)FYB<W`[3$]!3E,\+V@R/B`\<"!S
M='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ
M(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].
M5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0
M041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z
M(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!4:&4@;&]A;B!P;W)T9F]L:6\@
M;V8@=&AE($-O;7!A;GD@8V]N<VES=&5D(&]F('1H92!F;VQL;W=I;F<Z/"]P
M/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S
M='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.
M97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ
M(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S
M<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$
M1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T
M<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@
M,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$
M-34T/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S
M='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@;&5F=#L@
M3$E.12U(14E'2%0Z(&YO<FUA;"<^("9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
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M<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L
M<W!A;CTS1#,^,C`Q,SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&
M3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG
M(&-O;'-P86X],T0S/C(P,3(\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS
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M+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
M15A4+4E.1$5.5#H@+3$P<'0G/B!#;VUM97)C:6%L/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R
M;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,3(P+#$P,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q,#(L.#(R/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C0Q,2PV.3$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`S.#,L,S,Y/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@
M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@4F5A;"!E<W1A=&4M;6]R=&=A
M9V4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXR,S4L-C@Y/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,C$W+#4X-#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($-O;G-U;65R/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
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M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q
M-RPT,C`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^($QO86YS+"!N970@;V8@=6YE87)N960@:6YC;VUE/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^-S@S+#,T-CPO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`W,C$L
M,38U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/'`@<W1Y
M;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S
M<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z
M(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$
M1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P
M<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@3&]A;B!B86QA;F-E<R!A="!$96-E
M;6)E<B`S,2P@,C`Q,R!A;F0@,C`Q,B!A<F4@;F5T(&]F('5N96%R;F5D(&EN
M8V]M92!O9B`D-3@Q+#`P,"!A;F0@)#8S-RPP,#`L(')E<W!E8W1I=F5L>2X@
M4F5A;"!E<W1A=&4@8V]N<W1R=6-T:6]N(&QO86YS(&-O;7!R:7-E9"`S+C`E
M(&%N9"`R+C`E(&]F('1O=&%L(&QO86YS(&YE="!O9B!U;F5A<FYE9"!I;F-O
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M8VQA<W-I9FEC871I;VYS+"!D:60@;F]T(&5X8V5E9"`Q,"4@;V8@=&]T86P@
M;&]A;G,N($%D9&ET:6]N86QL>2P@=&AE(&UA:F]R:71Y(&]F('1H92!#;VUP
M86YY)B,S.3MS(&QE;F1I;F<@;V-C=7)S('=I=&AI;B!A(#$U,"!M:6QE(')A
M9&EU<R!O9B!T:&4@2F]H;G-T;W=N(&UA<FME="X\+W`^(#QP('-T>6QE/3-$
M)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!4
M15A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T
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M;G,@=&]T86QE9"`D.#4S+#`P,"!A;F0@)#$N,"!M:6QL:6]N(&%T($1E8V5M
M8F5R(#,Q+"`R,#$S(&%N9"`R,#$R+"!R97-P96-T:79E;'DN/"]P/B`\(2TM
M16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M
M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P
M.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO
M.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E
M=',O4VAE970Q,RYH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q
M=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA
M<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\3454
M02!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H
M=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S
M8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M
M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE
M(&-L87-S/3-$<F5P;W)T(&ED/3-$240P14U%/@T*("`@("`@/'1R/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\
M<W1R;VYG/D%,3$]704Y#12!&3U(@3$]!3B!,3U-315,\8G(^/"]S=')O;F<^
M/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^,3(@
M36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^04Q,3U=!3D-%
M($9/4B!,3T%.($Q/4U-%4R!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!3$Q/5T%.0T4@1D]2($Q/04X@
M3$]34T53/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/
M0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N
M<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T14
M1"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL
M93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM4W1A<G1&<F%G;65N="TM/B`\:#(@<W1Y;&4],T0G5$585"U44D%.4T9/
M4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE
M9G0[(%!!1$1)3D<M5$]0.B`U<'0[($9/3E0Z(&)O;&0@,3!P="\Q,G!T(%1I
M;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P
M>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%
M3E0Z(#!P="<^(#4N)FYB<W`[)FYB<W`[04Q,3U=!3D-%($9/4B!,3T%.($Q/
M4U-%4SPO:#(^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0
M041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'
M+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4
M:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@
M4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^(%1H92!F
M;VQL;W=I;F<@=&%B;&4@<W5M;6%R:7IE<R!T:&4@<F]L;&9O<G=A<F0@;V8@
M=&AE(&%L;&]W86YC92!F;W(@;&]A;B!L;W-S97,@8GD@<&]R=&9O;&EO('-E
M9VUE;G0@*&EN('1H;W5S86YD<RDN/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P
M<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I
M9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N
M;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA
M;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.
M1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU2
M24=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@
M8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO
M;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^
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M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([
M($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D)!3$%.0T4@050@
M1$5#14U"15(@,S$L(#(P,3(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(
M5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)R!C;VQS<&%N/3-$,SY#2$%21T4M/&)R("\^($]&1E,\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY214-/5D522453
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^
M4%)/5DE324].("A#4D5$250I/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO
M<FUA;"<@8V]L<W!A;CTS1#,^0D%,04Y#12!!5"!$14-%34)%4B`S,2P@,C`Q
M,SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R
M9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!#;VUM97)C:6%L/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,BPU.38\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@U,"D\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N
M9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C@P
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O
M;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR
M,3@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T
M<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C(L.#0T/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-O;6UE<F-I86P@
M;&]A;G,@<V5C=7)E9"!B>2!R96%L(&5S=&%T93PO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C<L-SDV/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH,2PW-S<I/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXT.#$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/B@Q+#8Q-2D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C0L.#@U/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L
M,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@
M4F5A;"!E<W1A=&4M;6]R=&=A9V4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#(V.3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^*#$S.2D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C$R,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^.#PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,2PR-C`\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="
M04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$58
M5"U)3D1%3E0Z("TQ,'!T)SX@0V]N<W5M97(\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ-3`\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/B@Q-30I/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXW,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M-S`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$S-CPO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$
M)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$58
M5"U)3D1%3E0Z("TQ,'!T)SX@06QL;V-A=&EO;B!F;W(@9V5N97)A;"!R:7-K
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
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M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR
M,3D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
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M3$5&5#H@,C!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@5&]T86P\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXQ,BPU-S$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/B@R+#$R,"D\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C<U,SPO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^*#$L,3`P*3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3`L,3`T/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/&1I=B!S='EL93TS1"=4
M15A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%
M.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@
M4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(
M5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N
M;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!
M1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)
M3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<]
M,T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N
M;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS
M1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU
M;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N
M=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY"04Q!3D-%
M($%4($1%0T5-0D52(#,Q+"`R,#$Q/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z
M(&YO<FUA;"<@8V]L<W!A;CTS1#,^0TA!4D=%+3QB<B`O/B!/1D93/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E
M;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^4D5#3U9%
M4DE%4SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
M(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X]
M,T0S/E!23U9)4TE/3B`H0U)%1$E4*3PO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M
M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4
M.B!N;W)M86PG(&-O;'-P86X],T0S/D)!3$%.0T4@050@1$5#14U"15(@,S$L
M(#(P,3(\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/
M4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,BPS-C4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#,T-3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ
M,S@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SXT,S@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPU.38\+W1D/B`\=&0@<W1Y;&4]
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M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#DL-#`P/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@*#<Y-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C(T-3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^("@Q+#`U,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`W+#<Y-CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^(%)E86P@97-T871E+6UO<G1G86=E/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$L,C<P/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@*#0R,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C4T/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXS-C4\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`Q+#(V.3PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;VYS=6UE
M<CPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C$W-#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^("@R,#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXT-SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^,3(Y/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SXQ-3`\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H
M,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($%L;&]C
M871I;VX@9F]R(&=E;F5R86P@<FES:SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#0Q-#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@+3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@*#8U-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^("D\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!R:6=H="<^(#<V,#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#(P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q-"PV,C,\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=6
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M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG
M:'0G/B`T.#0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
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M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@*#<W-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
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M9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3(L-3<Q/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/&1I=B!S='EL93TS1"=415A4+4%,
M24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T
M.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[
M($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R
M;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[
M(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M
M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'
M2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E
M;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE
M9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY"04Q!3D-%($%4($1%
M0T5-0D52(#,Q+"`R,#$P/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA
M;"<@8V]L<W!A;CTS1#,^0TA!4D=%+3QB<B`O/B!/1D93/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
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M;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E!2
M3U9)4TE/3B`H0U)%1$E4*3PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0S/D)!3$%.0T4@050@1$5#14U"15(@,S$L(#(P,3$\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B
M*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,RPX-3$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#DU,SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXX,S$\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@*#$L,S8T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#,V-3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!#;VUM97)C:6%L(&QO86YS('-E8W5R960@8GD@<F5A;"!E<W1A=&4\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3(L-S$W/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@*#$L-S`P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^,S,Q/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@*#$L.30X/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#DL-#`P/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$58
M5"U)3D1%3E0Z("TQ,'!T)SX@4F5A;"!E<W1A=&4M;6]R=&=A9V4\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PQ,3<\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B@X-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C4S/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ.#4\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`Q+#(W,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;VYS=6UE
M<CPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C(P-CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^("@R,#,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ-3D\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/C$R/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SXQ-S0\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H
M,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($%L;&]C
M871I;VX@9F]R(&=E;F5R86P@<FES:SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#@W-#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@+3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@*#0V,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^("D\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
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M5$585"U)3D1%3E0Z("TQ,'!T)SX@5&]T86P\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!R:6=H="<^(#$Y+#<V-3PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`H,BPY-#$\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R
M:6=H="<^(#$L,S<T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!R:6=H="<^("@S+#4W-3PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,30L-C(S/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/'`@<W1Y;&4],T0G5$58
M5"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M
M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P
M="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494
M.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M
M24Y$14Y4.B`R,'!X)SX@07,@82!R97-U;'0@;V8@<W5C8V5S<V9U;"!O;F=O
M:6YG('!R;V)L96T@8W)E9&ET(')E<V]L=71I;VX@969F;W)T<RP@=&AE($-O
M;7!A;GD@86-H:65V960@9G5R=&AE<B!A<W-E="!Q=6%L:71Y(&EM<')O=F5M
M96YT<R!I;B`R,#$S+B!4:&5S92!I;7!R;W9E;65N=',@87)E(&5V:61E;F-E
M9"!B>2!R961U8V5D(&QE=F5L<R!O9B!N;VXM86-C<G5A;"!L;V%N<RP@;F]N
M+7!E<F9O<FUI;F<@87-S971S+"!C;&%S<VEF:65D(&%S<V5T<R!A;F0@;&]W
M(&QO86X@9&5L:6YQ=65N8WD@;&5V96QS('1H870@8V]N=&EN=64@=&\@8F4@
M=V5L;"!B96QO=R`Q)2!O9B!T;W1A;"!L;V%N<RX@5&AE(&AI9VAE<B!C:&%R
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M=6-T:6]N(&]F('1H92!R96QA=&5D('%U86QI=&%T:79E(&9A8W1O<BX\+W`^
M(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/
M5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T
M.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R
M:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU2
M24=(5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^(%1H92!F;VQL;W=I;F<@
M=&%B;&5S('-U;6UA<FEZ92!T:&4@;&]A;B!P;W)T9F]L:6\@86YD(&%L;&]W
M86YC92!F;W(@;&]A;B!L;W-S(&)Y('1H92!P<FEM87)Y('-E9VUE;G1S(&]F
M('1H92!L;V%N('!O<G1F;VQI;RX\+W`^(#QD:78@<W1Y;&4],T0G5$585"U!
M3$E'3CH@8V5N=&5R)SX@/'1A8FQE('-T>6QE/3-$)T9/3E0M4TE:13H@,3!P
M=#L@1D].5"U&04U)3%DZ(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF
M.R!&3TY4+59!4DE!3E0Z(&YO<FUA;#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+51204Y31D]233H@;F]N93L@1D].5"U714E'2%0Z(&YO
M<FUA;#L@4$%$1$E.1RU"3U143TTZ(#-P=#L@1D].5"U35%E,13H@;F]R;6%L
M.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!0041$24Y'
M+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'+5))
M1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C
M96QL<&%D9&EN9STS1#`@=VED=&@],T0V,#@^(#QT<CX@/'1D/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L
M969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@
M3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#$Y/D%4($1%0T5-0D52
M(#,Q+"`R,#$S/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N
M;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@
M3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#$Y/BA)3B!42$]54T%.
M1%,I/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG
M/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@
M8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L
M)R!C;VQS<&%N/3-$,SY#3TU-15)#24%,/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'
M2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^0T]-34520TE!3"!,3T%.4R!314-5
M4D5$($)9(%)%04P@15-4051%/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO
M<FUA;"<@8V]L<W!A;CTS1#,^4D5!3#QB<B`O/B!%4U1!5$4M($U/4E1'04=%
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^
M0T].4U5-15(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS
M<&%N/3-$,SY43U1!3#PO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/
M54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[
M(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@3&]A
M;G,Z/&)R("\^(#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S
M<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
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M/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C,L,#`U/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXV,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,RPP-C8\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$
M+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M
M,3!P="<^($-O;&QE8W1I=F5L>2!E=F%L=6%T960@9F]R(&EM<&%I<FUE;G0\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXQ,C`L,3`R/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
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M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0P."PV
M.#8\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,C,U+#8X.3PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXQ-2PX,#,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M-S@P+#(X,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^(%1O=&%L(&QO86YS/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,3(P+#$P,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^-#$Q+#8Y,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^,C,U+#8X.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^,34L.#8T/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT
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M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\+W1A8FQE/B`\+V1I=CX@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C
M96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M
M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U6
M05))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!
M1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!
M3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P
M<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T
M.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I
M;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS
M<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C
M;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\
M+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@
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M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X]
M,T0R,SY!5"!$14-%34)%4B`S,2P@,C`Q,SPO=&0^(#PO='(^(#QT<CX@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
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M+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^0T]-34520TE!3#PO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
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M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0S/D-/3E-53452/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'
M2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^04Q,3T-!5$E/3B!&3U(@1T5.15)!
M3"!225-+/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A
M;CTS1#,^5$]404P\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($%L;&]W
M86YC92!F;W(@;&]A;B!L;W-S97,Z/&)R("\^(#PO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S
M<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
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M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^.#$R/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXQ/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXX,3,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T
M+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($=E;F5R86P@
M<F5S97)V92!A;&QO8V%T:6]N/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,BPX-#0\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^-"PP-S,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,2PR
M-C`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
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M9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/CDW.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXY+#(Y,3PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M(%1O=&%L(&%L;&]W86YC92!F;W(@;&]A;B!L;W-S97,\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXR+#@T-#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^-"PX.#4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C$L,C8P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXQ,S8\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/CDW.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,3`L,3`T/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\+W1A8FQE/B`\+V1I=CX@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C
M96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4
M+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M
M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0
M041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M
M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@
M,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P
M=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D
M:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q
M,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)
M3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&
M3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%
M24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,3D^050@1$5#14U"15(@,S$L(#(P
M,3(\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
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M/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0S/D-/34U%4D-)04P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(
M5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)R!C;VQS<&%N/3-$,SY#3TU-15)#24%,($Q/04Y3(%-%0U52140@0ED@
M4D5!3"!%4U1!5$4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L
M9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C
M;VQS<&%N/3-$,SY214%,/&)R("\^($535$%412T@34]25$=!1T4\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
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M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S
M/E1/5$%,/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^($QO86YS.CQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB
M<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@
M<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($EN9&EV:61U86QL>2!E=F%L
M=6%T960@9F]R(&EM<&%I<FUE;G0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`T+#<Y,SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ
M,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`T+#@P-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U
M+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M
M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0V]L;&5C=&EV96QY
M(&5V86QU871E9"!F;W(@:6UP86ER;65N=#PO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q,#(L.#(R/"]T9#X@/'1D('-T
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M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`S-S@L
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M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@<FEG:'0G/B`R,3<L-3@T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
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M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q-RPT,#<\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#<Q-BPS
M-3D\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!4;W1A
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M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,3`R+#@R,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@<FEG:'0G/B`S.#,L,S,Y/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#(Q-RPU.#0\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
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M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT
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M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!R:6=H="<^(#<R,2PQ-C4\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO
M=&%B;&4^(#PO9&EV/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@1D].5"U&04U)
M3%DZ(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!&3TY4+59!4DE!
M3E0Z(&YO<FUA;#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+51204Y31D]233H@;F]N93L@1D].5"U714E'2%0Z(&YO<FUA;#L@4$%$1$E.
M1RU"3U143TTZ(#-P=#L@1D].5"U35%E,13H@;F]R;6%L.R!415A4+4%,24=.
M.B!L969T.R!0041$24Y'+51/4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@
M34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%
M6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS
M1#`@=VED=&@],T0V,#@^(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X]
M,T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I
M=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P
M86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M
M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O
M;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#(S
M/D%4($1%0T5-0D52(#,Q+"`R,#$R/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)
M3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,C,^*$E.(%1(3U5304Y$
M4RD\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
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M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG
M(&-O;'-P86X],T0S/D-/34U%4D-)04P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY#3TU-15)#24%,($Q/04Y3(%-%0U52
M140@0ED@4D5!3"!%4U1!5$4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(
M5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)R!C;VQS<&%N/3-$,SY214%,/&)R("\^($535$%412T@34]25$=!1T4\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
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M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([
M($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E1/5$%,/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($%L;&]W86YC92!F;W(@;&]A;B!L;W-S97,Z/&)R("\^(#PO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S
M<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="
M04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$58
M5"U)3D1%3E0Z("TQ,'!T)SX@4W!E8VEF:6,@<F5S97)V92!A;&QO8V%T:6]N
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M,2PU.#8\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M,2PU.#8\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^($=E;F5R86P@<F5S97)V92!A;&QO8V%T
M:6]N/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
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M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`V+#(Q,#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PR-CD\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#$U
M,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
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M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@<FEG:'0G/B`Q,"PY.#4\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
M15A4+4E.1$5.5#H@+3$P<'0G/B!4;W1A;"!A;&QO=V%N8V4@9F]R(&QO86X@
M;&]S<V5S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG
M:'0G/B`R+#4Y-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`W+#<Y-CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#(V.3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q-3`\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^
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M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!R:6=H="<^(#$R+#4W,3PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T
M86)L93X@/"]D:78^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE
M.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$
M24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N
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M(&1E<&]S:70@86-C;W5N=',N/"]P/B`\<"!S='EL93TS1"=415A4+51204Y3
M1D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@
M;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S
M($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@
M34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z
M(#(P<'@G/B!-86YA9V5M96YT(&5V86QU871E<R!F;W(@<&]S<VEB;&4@:6UP
M86ER;65N="!A;GD@:6YD:79I9'5A;"!L;V%N(&EN('1H92!C;VUM97)C:6%L
M(&]R(&-O;6UE<F-I86P@<F5A;"!E<W1A=&4@<V5G;65N="!W:71H(&$@;&]A
M;B!B86QA;F-E(&EN(&5X8V5S<R!O9B`D,3`P+#`P,"!T:&%T(&ES(&EN(&YO
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M:65D(&%S(&$@5$12+CPO<#X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ
M(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[
M(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@
M4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)
M3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X
M)SX@3VYC92!T:&4@9&5T97)M:6YA=&EO;B!H87,@8F5E;B!M861E('1H870@
M82!L;V%N(&ES(&EM<&%I<F5D+"!T:&4@9&5T97)M:6YA=&EO;B!O9B!W:&5T
M:&5R(&$@<W!E8VEF:6,@86QL;V-A=&EO;B!O9B!T:&4@86QL;W=A;F-E(&ES
M(&YE8V5S<V%R>2!I<R!M96%S=7)E9"!B>2!C;VUP87)I;F<@=&AE(')E8V]R
M9&5D(&EN=F5S=&UE;G0@:6X@=&AE(&QO86X@=&\@=&AE(&9A:7(@=F%L=64@
M;V8@=&AE(&QO86X@=7-I;F<@;VYE(&]F('1H<F5E(&UE=&AO9',Z("AA*2!T
M:&4@<')E<V5N="!V86QU92!O9B!E>'!E8W1E9"!F=71U<F4@8V%S:"!F;&]W
M<R!D:7-C;W5N=&5D(&%T('1H92!L;V%N)B,S.3MS(&5F9F5C=&EV92!I;G1E
M<F5S="!R871E.R`H8BD@=&AE(&QO86XF(S,Y.W,@;V)S97)V86)L92!M87)K
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M;"!P;VQI8WD@9F]R(&EN=&5R97-T(')E8V]G;FET:6]N+CPO<#X@/'`@<W1Y
M;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S
M<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z
M(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$
M1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P
M<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@5&AE(&YE960@9F]R(&%N('5P9&%T
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M<G1Y+CPO<#X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!
M1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M
M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I
M;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0
M041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@5VAE;B!R
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M(&EN8VQU9&4Z/"]P/B`\=&%B;&4@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ
M(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[
M(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@
M4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)
M3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G
M(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0Q,#`E
M/B`\='(@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!615)424-!3"U!3$E'
M3CH@=&]P.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!&3TY4+5-464Q%.B!N;W)M
M86P[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B`Q,G!T)SX@/'1D
M('-T>6QE/3-$)U=)1%1(.B`R,7!X)SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#(P<'@[(%1%6%0M04Q)1TXZ(&QE9G0G/GQ",CPO=&0^(#QT
M9"!S='EL93TS1"=415A4+4%,24=..B!L969T)SYT:&4@<&%S<V%G92!O9B!T
M:6UE.SPO=&0^(#PO='(^(#PO=&%B;&4^(#QT86)L92!S='EL93TS1"=415A4
M+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!
M3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T
M(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z
M(#!P=#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)
M3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W
M:61T:#TS1#$P,"4^(#QT<B!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[(%9%
M4E1)0T%,+4%,24=..B!T;W`[($9/3E0M5T5)1TA4.B!N;W)M86P[($9/3E0M
M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@3$E.12U(14E'2%0Z
M(#$R<'0G/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#(Q<'@G/B9N8G-P.SPO=&0^
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M+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4
M:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ(#!P=#L@
M4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A
M8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$,3`P)3X@/'1R('-T
M>6QE/3-$)T9/3E0M4TE:13H@,3!P=#L@5D525$E#04PM04Q)1TXZ('1O<#L@
M1D].5"U714E'2%0Z(&YO<FUA;#L@1D].5"U35%E,13H@;F]R;6%L.R!415A4
M+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@,3)P="<^(#QT9"!S='EL93TS
M1"=724142#H@,C%P>"<^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`R,'!X.R!415A4+4%,24=..B!L969T)SY\0C(\+W1D/B`\=&0@<W1Y;&4]
M,T0G5$585"U!3$E'3CH@;&5F="<^=&AE(&%V86EL86)I;&ET>2!O9B!F:6YA
M;F-I;F<[/"]T9#X@/"]T<CX@/"]T86)L93X@/'1A8FQE('-T>6QE/3-$)U1%
M6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4
M+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R
M<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&
M5#H@,'!T.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4
M+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P
M('=I9'1H/3-$,3`P)3X@/'1R('-T>6QE/3-$)T9/3E0M4TE:13H@,3!P=#L@
M5D525$E#04PM04Q)1TXZ('1O<#L@1D].5"U714E'2%0Z(&YO<FUA;#L@1D].
M5"U35%E,13H@;F]R;6%L.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(
M5#H@,3)P="<^(#QT9"!S='EL93TS1"=724142#H@,C%P>"<^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`R,'!X.R!415A4+4%,24=..B!L969T
M)SY\0C(\+W1D/B`\=&0@<W1Y;&4],T0G5$585"U!3$E'3CH@;&5F="<^;F%T
M=7)A;"!D:7-A<W1E<G,[/"]T9#X@/"]T<CX@/"]T86)L93X@/'1A8FQE('-T
M>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@
M,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4
M.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!
M1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@
M,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A
M9&1I;F<],T0P('=I9'1H/3-$,3`P)3X@/'1R('-T>6QE/3-$)T9/3E0M4TE:
M13H@,3!P=#L@5D525$E#04PM04Q)1TXZ('1O<#L@1D].5"U714E'2%0Z(&YO
M<FUA;#L@1D].5"U35%E,13H@;F]R;6%L.R!415A4+4%,24=..B!L969T.R!,
M24Y%+4A%24=(5#H@,3)P="<^(#QT9"!S='EL93TS1"=724142#H@,C%P>"<^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`R,'!X.R!415A4+4%,
M24=..B!L969T)SY\0C(\+W1D/B`\=&0@<W1Y;&4],T0G5$585"U!3$E'3CH@
M;&5F="<^=&AE(&EN=F5N=&]R>2!O9B!C;VUP971I;F<@<')O<&5R=&EE<SL\
M+W1D/B`\+W1R/B`\+W1A8FQE/B`\=&%B;&4@<W1Y;&4],T0G5$585"U44D%.
M4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE
M<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`P<'0[
M($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4
M.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@]
M,T0Q,#`E/B`\='(@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!615)424-!
M3"U!3$E'3CH@=&]P.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!&3TY4+5-464Q%
M.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B`Q,G!T
M)SX@/'1D('-T>6QE/3-$)U=)1%1(.B`R,7!X)SXF;F)S<#L\+W1D/B`\=&0@
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M+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4
M:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ(#!P=#L@
M4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A
M8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$,3`P)3X@/'1R('-T
M>6QE/3-$)T9/3E0M4TE:13H@,3!P=#L@5D525$E#04PM04Q)1TXZ('1O<#L@
M1D].5"U714E'2%0Z(&YO<FUA;#L@1D].5"U35%E,13H@;F]R;6%L.R!415A4
M+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@,3)P="<^(#QT9"!S='EL93TS
M1"=724142#H@,C%P>"<^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`R,'!X.R!415A4+4%,24=..B!L969T)SY\0C(\+W1D/B`\=&0@<W1Y;&4]
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M.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R
M:68[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU2
M24=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@
M8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$,3`P)3X@/'1R('-T>6QE/3-$)T9/
M3E0M4TE:13H@,3!P=#L@5D525$E#04PM04Q)1TXZ('1O<#L@1D].5"U714E'
M2%0Z(&YO<FUA;#L@1D].5"U35%E,13H@;F]R;6%L.R!415A4+4%,24=..B!L
M969T.R!,24Y%+4A%24=(5#H@,3)P="<^(#QT9"!S='EL93TS1"=724142#H@
M,C%P>"<^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`R,'!X.R!4
M15A4+4%,24=..B!L969T)SY\0C(\+W1D/B`\=&0@<W1Y;&4],T0G5$585"U!
M3$E'3CH@;&5F="<^96YV:7)O;FUE;G1A;"!C;VYT86UI;F%T:6]N+CPO=&0^
M(#PO='(^(#PO=&%B;&4^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N
M;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0
M041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O
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M="!T:&4@;W)I9VEN871I;F<@86-C;W5N="!O9F9I8V5R+CPO<#X@/'`@<W1Y
M;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S
M<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z
M(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$
M1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P
M<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@5&AE(&9O;&QO=VEN9R!T86)L97,@
M<')E<V5N="!I;7!A:7)E9"!L;V%N<R!B>2!C;&%S<RP@<V5G<F5G871E9"!B
M>2!T:&]S92!F;W(@=VAI8V@@82!S<&5C:69I8R!A;&QO=V%N8V4@=V%S(')E
M<75I<F5D(&%N9"!T:&]S92!F;W(@=VAI8V@@82!S<&5C:69I8R!A;&QO=V%N
M8V4@=V%S(&YO="!N96-E<W-A<GDN/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P
M<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I
M9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N
M;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA
M;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.
M1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU2
M24=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@
M8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO
M;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^
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M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([
M($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0Q.3Y$14-%34)%4B`S
M,2P@,C`Q,SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO
M<FUA;"<@8V]L<W!A;CTS1#<^24U004E2140@3$]!3E,@5TE42"!34$5#249)
M0R!!3$Q/5T%.0T4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0W/E1/5$%,($E-4$%)4D5$($Q/04Y3/"]T9#X@/"]T<CX@/'1R/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE
M9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N
M=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY214-/4D1%
M1"!)3E9%4U1-14Y4/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/
M3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O
M;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@
M8V]L<W!A;CTS1#,^4D5,051%1"!!3$Q/5T%.0T4\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY214-/4D1%1"!)3E9%4U1-
M14Y4/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
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M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M
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M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/
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M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\
M<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,RPP,#4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C@Q,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^,RPP,#4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C,L,3$X/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#
M;VYS=6UE<CPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C8Q/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
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M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXV,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXV,3PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/
M4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L(&EM
M<&%I<F5D(&QO86YS/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\
M<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,RPP-C8\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#
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M86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C@Q,SPO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\
M<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R
M;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,RPP-C8\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
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M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T
M<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,L,3<Y/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/&1I=B!S
M='EL93TS1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G
M1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N
M+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&
M3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4
M+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0
M.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P
M<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L
M;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R
M/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE
M9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q
M,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T
M9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!
M3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$
M,3D^1$5#14U"15(@,S$L(#(P,3(\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL
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M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0W/DE-4$%)4D5$($Q/04Y3
M(%=)5$@@4U!%0TE&24,@04Q,3U=!3D-%/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'
M2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^24U004E2140@3$]!3E,@5TE42"!.
M3R!34$5#249)0R!!3$Q/5T%.0T4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
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M15A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:
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M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)
M1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E)%3$%4140@04Q,3U=!3D-%/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0S/E)%0T]21$5$($E.5D535$U%3E0\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY53E!!240@4%))
M3D-)4$%,($)!3$%.0T4\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&
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M3U5304Y$4RD\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M
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M/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-"PR,SD\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,2PU.#8\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SXU-30\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-"PW.3,\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@-"PX-3`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S
M='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-O;G-U;65R/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^("T\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^("T\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
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M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`Q,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3,\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-"PR
M,SD\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
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M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,2PU.#8\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
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M3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
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M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#0L.#`V/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#0L
M.#8S/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/'`@<W1Y
M;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S
M<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z
M(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$
M1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P
M<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@5&AE(&9O;&QO=VEN9R!T86)L92!P
M<F5S96YT<R!T:&4@879E<F%G92!R96-O<F1E9"!I;G9E<W1M96YT(&EN(&EM
M<&%I<F5D(&QO86YS(&%N9"!R96QA=&5D(&EN=&5R97-T(&EN8V]M92!R96-O
M9VYI>F5D(&9O<B!T:&4@<&5R:6]D<R!I;F1I8V%T960N/"]P/B`\9&EV('-T
M>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&
M3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL
M(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/
M3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M
M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z
M(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P
M=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL
M<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^
M(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D
M:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS
M<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\
M+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#
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M;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0Q,3Y9
M14%2($5.1$5$($1%0T5-0D52(#,Q+#PO=&0^(#PO='(^(#QT<CX@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@
M3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT
M97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C(P,3(\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@
M8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$Q
M/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O
M;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F
M;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@
M;F]R;6%L.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;2<@8V]L<W!A;CTS1#$Q/BA)3B!42$]54T%.1%,I/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($%V97)A9V4@:6UP86ER960@8F%L86YC93H\8G(@+SX@/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P
M.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;VUM97)C:6%L/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^,3,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ,SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C4P,SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-O;6UE<F-I86P@;&]A;G,@<V5C
M=7)E9"!B>2!R96%L(&5S=&%T93PO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(L-#4Y/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,RPW-30\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`T+#0W.3PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-O;G-U;65R
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^,S<\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#,\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^("T\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G
M8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($%V
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C(L-3`Y/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#,L-S<P/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^
M(#0L.3@R/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^($EN=&5R97-T(&EN8V]M92!R96-O9VYI>F5D.CQB<B`O
M/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB
M<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@0V]M;65R8VEA;#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^,3<\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3$\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C$U,#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@
M0V]N<W5M97(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
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M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`M/"]T9#X@/'1D
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M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`M
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M<F5D(&QO86YS/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R
M;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,30\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
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M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@<FEG:'0G/B`Q-C<\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^
M(#PO9&EV/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$
M1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU4
M3U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM
M97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!
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M92`B4&%S<R(@8V%T96=O<FEE<R!A<F4@86=G<F5G871E9"P@=VAI;&4@=&AE
M(%!A<W,M-BP@4W!E8VEA;"!-96YT:6]N+"!3=6)S=&%N9&%R9"!A;F0@1&]U
M8G1F=6P@8V%T96=O<FEE<R!A<F4@9&ES86=G<F5G871E9"!T;R!S97!A<F%T
M92!P;V]L<RX@5&AE(&-R:71I8VEZ960@<F%T:6YG(&-A=&5G;W)I97,@=71I
M;&EZ960@8GD@;6%N86=E;65N="!G96YE<F%L;'D@9F]L;&]W(&)A;FL@<F5G
M=6QA=&]R>2!D969I;FET:6]N<RX@5&AE(%-P96-I86P@365N=&EO;B!C871E
M9V]R>2!I;F-L=61E<R!A<W-E=',@=&AA="!A<F4@8W5R<F5N=&QY('!R;W1E
M8W1E9"!B=70@87)E('!O=&5N=&EA;&QY('=E86LL(')E<W5L=&EN9R!I;B!A
M;B!U;F1U92!A;F0@=6YW87)R86YT960@8W)E9&ET(')I<VLL(&)U="!N;W0@
M=&\@=&AE('!O:6YT(&]F(&IU<W1I9GEI;F<@82!3=6)S=&%N9&%R9"!C;&%S
M<VEF:6-A=&EO;BX@3&]A;G,@:6X@=&AE(%-U8G-T86YD87)D(&-A=&5G;W)Y
M(&AA=F4@=V5L;"UD969I;F5D('=E86MN97-S97,@=&AA="!J96]P87)D:7IE
M('1H92!L:7%U:61A=&EO;B!O9B!T:&4@9&5B="P@86YD(&AA=F4@82!D:7-T
M:6YC="!P;W-S:6)I;&ET>2!T:&%T('-O;64@;&]S<R!W:6QL(&)E('-U<W1A
M:6YE9"!I9B!T:&4@=V5A:VYE<W-E<R!A<F4@;F]T(&-O<G)E8W1E9"X@06QL
M(&QO86YS(&=R96%T97(@=&AA;B`Y,"!D87ES('!A<W0@9'5E+"!O<B!F;W(@
M=VAI8V@@86YY('!O<G1I;VX@;V8@=&AE(&QO86X@<F5P<F5S96YT<R!A('-P
M96-I9FEC(&%L;&]C871I;VX@;V8@=&AE(&%L;&]W86YC92!F;W(@;&]A;B!L
M;W-S97,@87)E('!L86-E9"!I;B!3=6)S=&%N9&%R9"!O<B!$;W5B=&9U;"X\
M+W`^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'
M+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@
M,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@
M4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.
M1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^(%1O(&AE;'`@96YS
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M8V5S(&EN(&5X8V5S<R!O9B`D,C4P+#`P,"!W:71H:6X@82`Q,BUM;VYT:"!P
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M;GDF(S,Y.W,@8V]M;65R8VEA;"!R96QA=&EO;G-H:7`@;6%N86=E<G,@87)E
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M9B!C;W9E<F%G92!F;W(@,C`Q,R!R97%U:7)E9"!R979I97<@;V8@82!M:6YI
M;75M(')A;F=E(&]F(#4P)2!T;R`U-24@;V8@=&AE(&-O;6UE<F-I86P@;&]A
M;B!P;W)T9F]L:6\N/"]P/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@
M;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@
M4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2
M;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE.
M.B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G
M/B!);B!A9&1I=&EO;B!T;R!L;V%N(&UO;FET;W)I;F<@8GD@=&AE(&%C8V]U
M;G0@;V9F:6-E<B!A;F0@3&]A;B!2979I97<@1&5P87)T;65N="P@=&AE($-O
M;7!A;GD@86QS;R!R97%U:7)E<R!P<F5S96YT871I;VX@;V8@86QL(&-R961I
M=',@<F%T960@4&%S<RTV('=I=&@@86=G<F5G871E(&)A;&%N8V5S(&=R96%T
M97(@=&AA;B`D,2PP,#`L,#`P+"!A;&P@8W)E9&ET<R!R871E9"!3<&5C:6%L
M($UE;G1I;VX@;W(@4W5B<W1A;F1A<F0@=VET:"!A9V=R96=A=&4@8F%L86YC
M97,@9W)E871E<B!T:&%N("0R-3`L,#`P+"!A;F0@86QL(&-R961I=',@<F%T
M960@1&]U8G1F=6P@=VET:"!A9V=R96=A=&4@8F%L86YC97,@9W)E871E<B!T
M:&%N("0Q,#`L,#`P(&]N(&%N(&EN9&EV:61U86P@8F%S:7,@=&\@=&AE($-O
M;7!A;GDF(S,Y.W,@3&]A;B!,;W-S(%)E<V5R=F4@0V]M;6ET=&5E(&]N(&$@
M<75A<G1E<FQY(&)A<VES+B!!9&1I=&EO;F%L;'DL('1H92!!<W-E="!1=6%L
M:71Y(%1A<VL@1F]R8V4L('=H:6-H(&ES(&$@9W)O=7`@8V]M<')I<V5D(&]F
M('-E;FEO<B!L979E;"!P97)S;VYN96PL(&UE971S(&)I+7=E96ML>2!T;R!M
M;VYI=&]R('1H92!S=&%T=7,@;V8@<')O8FQE;2!L;V%N<RX\+W`^(#QP('-T
M>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@
M,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4
M.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!
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M97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!
M34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%2
M24%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$
M24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)
M1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T
M.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@
M5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG
M/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A
M;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE
M9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M
M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$,3D^1&5C96UB97(@,S$L(#(P,3,\+W1D
M/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0S/E!!4U,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L
M9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C
M;VQS<&%N/3-$,SY34$5#24%,($U%3E1)3TX\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
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M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT
M97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D1/54)41E5,
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^
M5$]404P\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
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M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B
M*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z
M("TQ,'!T)SX@0V]M;65R8VEA;#PO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$P."PV,C,\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C@L.#@P
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O
M;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR
M+#4Y.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\
M<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\
M<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,3(P+#$P,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-O;6UE<F-I86P@;&]A;G,@<V5C
M=7)E9"!B>2!R96%L(&5S=&%T93PO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,Y-BPW.#@\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^-BPY-C$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M-RPT.#(\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
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M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C0Q,2PV.3$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U
M+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^-3`U+#0Q,3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,34L.#0Q/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,"PP.#$\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
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M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0V,#PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^-3,Q+#<Y,SPO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QD:78@<W1Y;&4],T0G
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M041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$
M24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG
M/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0V,#@^(#QT<CX@/'1D/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@
M;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X]
M,T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I
M=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^
M(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E
M;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#$Y/D1E8V5M
M8F5R(#,Q+"`R,#$R/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4
M.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY005-3/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(
M14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^4U!%0TE!3"!-14Y424]./"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^4U5"
M4U1!3D1!4D0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0S/E1/5$%,/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)
M3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)1TA4
M.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C96YT
M97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS1#$Y
M/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-O;6UE<F-I86P\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#DY+#@X-CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C(X/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#(L.3`X/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q,#(L.#(R/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@
M0V]M;65R8VEA;"!L;V%N<R!S96-U<F5D(&)Y(')E86P@97-T871E/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#,T,RPX
M.#4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!R:6=H="<^(#(P+#@S-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
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M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#8P.#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,S@S+#,S.3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#-P="!D;W5B;&4[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$58
M5"U)3D1%3E0Z("TQ,'!T)SX@5&]T86P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!R:6=H="<^(#0T,RPW-S$\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,C`L.#8T/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H
M="<^(#$Y+#DQ.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`Q+#8P.#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`T.#8L,38Q/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/'`@<W1Y;&4],T0G5$585"U4
M4D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)
M1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4
M:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T
M<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$
M14Y4.B`R,'!X)SX@270@:7,@9V5N97)A;&QY('1H92!P;VQI8WD@;V8@=&AE
M(&)A;FL@=&AA="!T:&4@;W5T<W1A;F1I;F<@8F%L86YC92!O9B!A;GD@<F5S
M:61E;G1I86P@;6]R=&=A9V4@;&]A;B!T:&%T(&5X8V5E9',@.3`M9&%Y<R!P
M87-T(&1U92!A<R!T;R!P<FEN8VEP86P@86YD+V]R(&EN=&5R97-T(&ES('1R
M86YS9F5R<F5D('1O(&YO;BUA8V-R=6%L('-T871U<R!A;F0@86X@979A;'5A
M=&EO;B!I<R!C;VUP;&5T960@=&\@9&5T97)M:6YE('1H92!F86ER('9A;'5E
M(&]F('1H92!C;VQL871E<F%L(&QE<W,@<V5L;&EN9R!C;W-T<RP@=6YL97-S
M('1H92!B86QA;F-E(&ES(&UI;F]R+B!!(&-H87)G92!D;W=N(&ES(')E8V]R
M9&5D(&9O<B!A;GD@9&5F:6-I96YC>2!B86QA;F-E(&1E=&5R;6EN960@9G)O
M;2!T:&4@8V]L;&%T97)A;"!E=F%L=6%T:6]N+B!4:&4@<F5M86EN:6YG(&YO
M;BUA8V-R=6%L(&)A;&%N8V4@:7,@<F5P;W)T960@87,@:6UP86ER960@=VET
M:"!N;R!S<&5C:69I8R!A;&QO=V%N8V4N($ET(&ES('1H92!P;VQI8WD@;V8@
M=&AE(&)A;FL@=&AA="!T:&4@;W5T<W1A;F1I;F<@8F%L86YC92!O9B!A;GD@
M8V]N<W5M97(@;&]A;B!T:&%T(&5X8V5E9',@.3`M9&%Y<R!P87-T(&1U92!A
M<R!T;R!P<FEN8VEP86P@86YD+V]R(&EN=&5R97-T(&ES(&-H87)G960@;V9F
M+B!4:&4@9F]L;&]W:6YG('1A8FQE<R!P<F5S96YT('1H92!P97)F;W)M:6YG
M(&%N9"!N;VXM<&5R9F]R;6EN9R!O=71S=&%N9&EN9R!B86QA;F-E<R!O9B!T
M:&4@<F5S:61E;G1I86P@86YD(&-O;G-U;65R('!O<G1F;VQI;W,@*&EN('1H
M;W5S86YD<RDN/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-
M24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))
M04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)
M3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'
M3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[
M($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!4
M15A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<]
M,T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N
M/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D
M:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R
M/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM
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M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
M96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0W/D1E8V5M
M8F5R(#,Q+"`R,#$S/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4
M.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY015)&3U)-24Y'/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@
M3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^3D].+3QB<B`O/B!0
M15)&3U)-24Y'/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N
M;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%
M+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS1#<^*$E.(%1(3U5304Y$
M4RD\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%
M3E0Z("TQ,'!T)SX@4F5A;"!E<W1A=&4M;6]R=&=A9V4\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS
M=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXR,S0L-#4P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXQ+#(S.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-O;G-U;65R/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,34L.#`S/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
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M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8Q/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
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M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N
M9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(U,"PR-3,\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
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M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T
M<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$L,S`P/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/&1I=B!S
M='EL93TS1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G
M1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N
M+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&
M3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4
M+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0
M.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P
M<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L
M;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R
M/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE
M9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)
M1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$-SY$96-E;6)E<B`S,2P@,C`Q,CPO=&0^(#PO
M='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
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M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG
M(&-O;'-P86X],T0S/DY/3BT\8G(@+SX@4$521D]234E.1SPO=&0^(#PO='(^
M(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!&3TY4+5=%24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG
M(&-O;'-P86X],T0W/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%)E86P@97-T
M871E+6UO<G1G86=E/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`R,38L,SDS/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#$L,3DQ/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI
M=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&
M5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0V]N<W5M97(\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3<L-#`W
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M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M<FEG:'0G/B`Q,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)
M3D1%3E0Z("TQ,'!T)SX@5&]T86P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!R:6=H="<^(#(S,RPX,#`\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PR,#0\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\<"!S='EL93TS1"=415A4
M+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!
M3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T
M(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z
M(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)
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M9R!L;V%N<R!A;F0@;F]N86-C<G5A;"!L;V%N<RX\+W`^(#QD:78@<W1Y;&4]
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M.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0
M041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C
M:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0V,#@^(#QT<CX@/'1D
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@
M;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X]
M,T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I
M=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P
M86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M
M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O
M;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#(W
M/D1E8V5M8F5R(#,Q+"`R,#$S/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M
M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY#55)214Y4/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E
M<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,S`F;F)S<#LM
M)FYB<W`[-3D@1$%94R!005-4($1513PO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M
M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4
M.B!N;W)M86PG(&-O;'-P86X],T0S/C8P)FYB<W`[+29N8G-P.S@Y($1!65,@
M4$%35"!$544\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS
M<&%N/3-$,SXY,"!$05E3(%!!4U0@1%5%/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'
M2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^5$]404P@4$%35"!$544\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
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M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X]
M,T0S/CDP($1!65,@4$%35"!$544@04Y$(%-424Q,($%#0U)524Y'/"]T9#X@
M/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L
M.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;2<@8V]L<W!A;CTS1#(W/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P
M-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-O
M;6UE<F-I86P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,C`L,3`R/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,C`L,3`R/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^($-O;6UE<F-I86P@;&]A;G,@<V5C=7)E9"!B
M>2!R96%L(&5S=&%T93PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C0Q,"PV,3D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C0U-SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-C$U/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#`W,CPO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^-#$Q+#8Y,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^(%)E86P@97-T871E+6UO<G1G86=E/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,C,Q+#<T,#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,BPR,S(\+W-T<F]N9SX\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C8W,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,2PP-#<\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,L.30Y
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR,S4L-C@Y/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0V]N
M<W5M97(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXQ-2PX,#0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,S,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,C<\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXV,#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXQ-2PX-C0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#-P="!D;W5B;&4[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$58
M5"U)3D1%3E0Z("TQ,'!T)SX@5&]T86P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
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M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXR+#<R,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^-CDW/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXQ+#8V,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^-2PP.#$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L
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M9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C<X,RPS-#8\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
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M(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B
M;&4^(#PO9&EV/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9
M.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4
M.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U4
M4D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M
M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@
M;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!
M4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4
M+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P
M('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$
M,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M
M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N
M/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D
M:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS
M<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C
M;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS
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M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M
M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4
M.B!N;W)M86PG(&-O;'-P86X],T0R-SY$96-E;6)E<B`S,2P@,C`Q,CPO=&0^
M(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:
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M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG
M(&-O;'-P86X],T0S/C,P)FYB<W`[+29N8G-P.S4Y($1!65,@4$%35"!$544\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'
M3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXV
M,"9N8G-P.RTF;F)S<#LX.2!$05E3(%!!4U0@1%5%/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^.3`@1$%94R!005-4($15
M13PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
M=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S
M/E1/5$%,(%!!4U0@1%5%/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA
M;"<@8V]L<W!A;CTS1#,^5$]404P@3$]!3E,\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
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M24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%24=(5#H@8F]L
M9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@8V5N=&5R.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X],T0R-SXH24X@
M5$A/55-!3D13*3PO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$
M+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
M15A4+4E.1$5.5#H@+3$P<'0G/B!#;VUM97)C:6%L/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`Q,#(L-S<U/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/C0W/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/C0W/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$P,BPX,C(\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-O;6UE<F-I86P@;&]A;G,@<V5C
M=7)E9"!B>2!R96%L(&5S=&%T93PO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`S-SDL.#,T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,BPU-#4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/CDV,#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#,L
M-3`U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@,S@S+#,S.3PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%)E86P@97-T871E+6UO<G1G86=E
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#(Q,RPS
M,#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`S+#(T,#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^,S`S/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SXW-#$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`T+#(X-#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#(Q-RPU.#0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET
M92<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494
M.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;VYS=6UE<CPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q-RPS-S$\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
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M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`S,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@+3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-#D\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M(#$W+#0R,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%!!1$1)3D<M3$5&5#H@,3!P=#L@
M5$585"U)3D1%3E0Z("TQ,'!T)SX@5&]T86P\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!R:6=H="<^(#<Q,RPR.#`\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,RPR-38\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
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M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,BPY,C@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
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M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@,2PW,#$\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
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M(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-RPX.#4\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-S(Q
M+#$V-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@<FEG:'0G/B`M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I
M=CX@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M
M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S
M<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!3
M97)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'
M+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@06X@86QL;W=A;F-E
M(&9O<B!L;V%N(&QO<W-E<R`H(D%,3"(I(&ES(&UA:6YT86EN960@=&\@86)S
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M9"!T:&4@86UO=6YT(&]F(&YO;BUP97)F;W)M:6YG(&QO86YS+CPO<#X@/'`@
M<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-
M.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/
M3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@
M4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4
M.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@3&]A;G,@=&AA="!A<F4@8V]L
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M;VX@;V8@;W1H97(@<75A;&ET871I=F4@9F%C=&]R<RX\+W`^(#QP('-T>6QE
M/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T
M.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q
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M<&5R:65N8V4N/"]P/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N
M93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$
M1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA
M;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P
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M<W1S(&]F('1H<F5E(&5L96UE;G1S.B`Q*2!A;B!A;&QO=V%N8V4@97-T86)L
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M8V5P=&EO;G,L(&%N9"`S*2!A(&=E;F5R86P@<FES:R!R97-E<G9E('=H:6-H
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M979A;'5A=&5D('%U87)T97)L>2`H86YD(')E=FES960@:68@;F5C97-S87)Y
M*2!B>2!T:&4@0V]M<&%N>28C,SD[<R!M86YA9V5M96YT('1O(&5S=&%B;&ES
M:"!A;&QO8V%T:6]N<R!W:&EC:"!A8V-O;6UO9&%T92!E86-H(&]F('1H92!L
M:7-T960@<FES:R!F86-T;W)S+CPO<#X@/'`@<W1Y;&4],T0G5$585"U44D%.
M4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE
M<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[
M($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4
M.B`R,'!X)SX@(E!A<W,B(')A=&5D(&-R961I=',@87)E('-E9W)E9V%T960@
M9G)O;2`B0W)I=&EC:7IE9"(@86YD(")#;&%S<VEF:65D(B!C<F5D:71S(&9O
M<B!T:&4@87!P;&EC871I;VX@;V8@<75A;&ET871I=F4@9F%C=&]R<RX\+W`^
M(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/
M5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T
M.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R
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M(&%G86EN<W0@=&AE($%,3"X\+W`^(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV
M/B`\+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'10
M87)T7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N
M=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?
M.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E=#$T+FAT;6P-"D-O
M;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O
M;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*
M/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT
M96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G
M/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS
M/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H
M96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60]
M,T1)1#!%344^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L
M(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^3D].+5!%4D9/4DU)
M3D<@05-31513($E.0TQ51$E.1R!44D]50DQ%1"!$14)4(%)%4U1254-455))
M3D=3("A41%(I/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1H(&-O;'-P86X],T0Q/C$R($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$
M96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/DY/3BU015)&3U)-24Y'($%34T544R!)3D-,541)3D<@
M5%)/54),140@1$5"5"!215-44E5#5%5224Y'4R`H5$12*2!;06)S=')A8W1=
M/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.
M3TXM4$521D]234E.1R!!4U-%5%,@24Y#3%5$24Y'(%123U5"3$5$($1%0E0@
M4D535%)50U154DE.1U,@*%1$4BD\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\(2TM1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@
M6$A434P@,2XP(%1R86YS:71I;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R
M9R]44B]X:'1M;#$O1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\
M9&EV/B`\9&EV('-T>6QE/3-$)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2U3=&%R=$9R86=M96YT+2T^(#QH,B!S='EL93TS
M1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@
M5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#5P=#L@1D].5#H@8F]L
M9"`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!
M1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@
M,'!T.R!415A4+4E.1$5.5#H@,'!T)SX@-BXF;F)S<#LF;F)S<#M.3TXM4$52
M1D]234E.1R!!4U-%5%,@24Y#3%5$24Y'(%123U5"3$5$($1%0E0@4D535%)5
M0U154DE.1U,\8G(@+SX@)FYB<W`[)FYB<W`[)FYB<W`[)FYB<W`[*%1$4BD\
M+V@R/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.
M1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z
M(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L
M(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)
M3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!.;VXM<&5R9F]R
M;6EN9R!A<W-E=',@87)E(&-O;7!R:7-E9"!O9B`H:2D@;&]A;G,@=VAI8V@@
M87)E(&]N(&$@;F]N+6%C8W)U86P@8F%S:7,L("AI:2D@;&]A;G,@=VAI8V@@
M87)E(&-O;G1R86-T=6%L;'D@<&%S="!D=64@.3`@9&%Y<R!O<B!M;W)E(&%S
M('1O(&EN=&5R97-T(&]R('!R:6YC:7!A;"!P87EM96YT<RP@*&EI:2D@<&5R
M9F]R;6EN9R!L;V%N<R!C;&%S<VEF:65D(&%S('1R;W5B;&5D(&1E8G0@<F5S
M=')U8W1U<FEN9R!A;F0@*&EV*2!O=&AE<B!R96%L(&5S=&%T92!O=VYE9"`H
M<F5A;"!E<W1A=&4@86-Q=6ER960@=&AR;W5G:"!F;W)E8VQO<W5R92P@:6XM
M<W5B<W1A;F-E(&9O<F5C;&]S=7)E<R!A;F0@<F5P;W-S97-S960@87-S971S
M*2X\+W`^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$
M24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/
M4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE
M<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$
M1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^(%1H92!F;VQL
M;W=I;F<@=&%B;&5S('!R97-E;G0@:6YF;W)M871I;VX@8V]N8V5R;FEN9R!N
M;VXM<&5R9F]R;6EN9R!A<W-E=',@:6YC;'5D:6YG(%1$4CH\+W`^(#QD:78@
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M4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@
M,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E
M;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0U-30^(#QT
M<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M
M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O
M;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%
M24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z
M(&YO<FUA;"<@8V]L<W!A;CTS1#<^050@1$5#14U"15(@,S$L/"]T9#X@/"]T
M<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M
M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!
M3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$
M,SXR,#$S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A
M;CTS1#,^,C`Q,CPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M
M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%24=(5#H@8F]L9#L@3$E.
M12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@8V5N=&5R.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X],T0W/BA)3B!42$]54T%.
M1%,L($580T505"!015)#14Y404=%4RD\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M
M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@3F]N+6%C8W)U86P@
M;&]A;G,Z/&)R("\^(#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T
M<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P
M-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@0V]M;65R8VEA;"!L;V%N<R!S96-U<F5D(&)Y(')E86P@97-T871E
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,2PV,S(\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`T+#8R,SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%)E
M86P@97-T871E+6UO<G1G86=E/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,2PR,SD\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H
M="<^(#$L,3DQ/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+
M1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^(%1O=&%L/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,BPX-S$\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H
M="<^(#4L.#$T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+
M1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)
M3D1%3E0Z("TQ,'!T)SX@3W1H97(@<F5A;"!E<W1A=&4@;W=N960Z/&)R("\^
M(#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S
M<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$
M+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
M15A4+4E.1$5.5#H@+3$P<'0G/B!#;VUM97)C:6%L(&QO86YS('-E8W5R960@
M8GD@<F5A;"!E<W1A=&4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXS-#0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q
M+#$P,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^(%)E86P@97-T871E+6UO<G1G86=E/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
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M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@<FEG:'0G/B`Q,C<\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@
M5$585"U)3D1%3E0Z("TQ,'!T)SX@5&]T86P\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#`Q-SPO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,2PR,C@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^(%1O=&%L(')E<W1R=6-T=7)E9"!L;V%N<R!N;W0@:6X@;F]N
M+6%C8W)U86P@*%1$4BD\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR,C$\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#$X
M,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P
M="!D;W5B;&4[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@5&]T86P@;F]N+7!E<F9O<FUI;F<@87-S971S(&EN8VQU9&EN9R!4
M1%(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXT+#$P.3PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G
M/B`W+#(R-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!4;W1A;"!N;VXM<&5R9F]R;6EN9R!A<W-E=',@87,@
M82!P97)C96YT(&]F(&QO86YS+"!N970@;V8@=6YE87)N960@:6YC;VUE+"!A
M;F0@;W1H97(@<F5A;"!E<W1A=&4@;W=N960\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXP+C4R)3PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#$N,#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@)3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\+W1A8FQE/B`\+V1I=CX@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/
M4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE
M9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.
M97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!
M4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R
M,'!X)SX@5&AE($-O;7!A;GD@:&%D(&YO(&QO86YS('!A<W0@9'5E(#DP(&1A
M>7,@;W(@;6]R92!F;W(@=&AE('!E<FEO9',@<')E<V5N=&5D('=H:6-H('=E
M<F4@86-C<G5I;F<@:6YT97)E<W0N/"]P/B`\<"!S='EL93TS1"=415A4+512
M04Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'
M3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I
M;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P
M>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%
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M(')E<&%Y;65N="!O9B!T:&4@8F]R<F]W97(F(S,Y.W,@;&]A;BX\+W`^(#QP
M('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/
M33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&
M3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[
M(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(
M5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^(%1O(&)E(&-O;G-I9&5R960@
M82!41%(L(&)O=&@@;V8@=&AE(&9O;&QO=VEN9R!C<FET97)I82!M=7-T(&)E
M(&UE=#H\+W`^(#QT86)L92!S='EL93TS1"=415A4+51204Y31D]233H@;F]N
M93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$
M1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA
M;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`P
M<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L
M;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#$P,"4^(#QT
M<B!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[(%9%4E1)0T%,+4%,24=..B!T
M;W`[($9/3E0M5T5)1TA4.B!N;W)M86P[($9/3E0M4U193$4Z(&YO<FUA;#L@
M5$585"U!3$E'3CH@;&5F=#L@3$E.12U(14E'2%0Z(#$R<'0G/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#(Q<'@G/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@,C1P>#L@5$585"U!3$E'3CH@;&5F="<^)F)U;&P[/"]T9#X@/'1D
M('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&QE9G0G/G1H92!B;W)R;W=E<B!M=7-T
M(&)E(&5X<&5R:65N8VEN9R!F:6YA;F-I86P@9&EF9FEC=6QT:65S.R!A;F0\
M+W1D/B`\+W1R/B`\+W1A8FQE/B`\=&%B;&4@<W1Y;&4],T0G5$585"U44D%.
M4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE
M<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`P<'0[
M($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4
M.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@]
M,T0Q,#`E/B`\='(@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!615)424-!
M3"U!3$E'3CH@=&]P.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!&3TY4+5-464Q%
M.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B`Q,G!T
M)SX@/'1D('-T>6QE/3-$)U=)1%1(.B`R,7!X)SXF;F)S<#L\+W1D/B`\=&0@
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M93X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M
M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S
M<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!3
M97)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'
M+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@1F%C=&]R<R!T:&%T
M(&EN9&EC871E(&$@8F]R<F]W97(@:7,@97AP97)I96YC:6YG(&9I;F%N8VEA
M;"!D:69F:6-U;'1I97,@:6YC;'5D92P@8G5T(&%R92!N;W0@;&EM:71E9"!T
M;SH\+W`^(#QT86)L92!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@
M4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.
M1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@
M5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`P<'0[
M(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P
M86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#$P,"4^(#QT<B!S
M='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[(%9%4E1)0T%,+4%,24=..B!T;W`[
M($9/3E0M5T5)1TA4.B!N;W)M86P[($9/3E0M4U193$4Z(&YO<FUA;#L@5$58
M5"U!3$E'3CH@;&5F=#L@3$E.12U(14E'2%0Z(#$R<'0G/B`\=&0@<W1Y;&4]
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M1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA
M;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`P
M<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L
M;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#$P,"4^(#QT
M<B!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[(%9%4E1)0T%,+4%,24=..B!T
M;W`[($9/3E0M5T5)1TA4.B!N;W)M86P[($9/3E0M4U193$4Z(&YO<FUA;#L@
M5$585"U!3$E'3CH@;&5F=#L@3$E.12U(14E'2%0Z(#$R<'0G/B`\=&0@<W1Y
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M.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R
M:68[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU2
M24=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@
M8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$,3`P)3X@/'1R('-T>6QE/3-$)T9/
M3E0M4TE:13H@,3!P=#L@5D525$E#04PM04Q)1TXZ('1O<#L@1D].5"U714E'
M2%0Z(&YO<FUA;#L@1D].5"U35%E,13H@;F]R;6%L.R!415A4+4%,24=..B!L
M969T.R!,24Y%+4A%24=(5#H@,3)P="<^(#QT9"!S='EL93TS1"=724142#H@
M,C%P>"<^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`R-'!X.R!4
M15A4+4%,24=..B!L969T)SXF8G5L;#L\+W1D/B`\=&0@<W1Y;&4],T0G5$58
M5"U!3$E'3CH@;&5F="<^=&AE(&)O<G)O=V5R(&AA<R!I;G-U9F9I8VEE;G0@
M8V%S:"!F;&]W<R!T;R!S97)V:6-E('1H96ER(&QO86XH<RD[(#QU/F%N9#PO
M=3X@/"]T9#X@/"]T<CX@/"]T86)L93X@/'1A8FQE('-T>6QE/3-$)U1%6%0M
M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,
M24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@
M5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@
M,'!T.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.
M1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I
M9'1H/3-$,3`P)3X@/'1R('-T>6QE/3-$)T9/3E0M4TE:13H@,3!P=#L@5D52
M5$E#04PM04Q)1TXZ('1O<#L@1D].5"U714E'2%0Z(&YO<FUA;#L@1D].5"U3
M5%E,13H@;F]R;6%L.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@
M,3)P="<^(#QT9"!S='EL93TS1"=724142#H@,C%P>"<^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`R-'!X.R!415A4+4%,24=..B!L969T)SXF
M8G5L;#L\+W1D/B`\=&0@<W1Y;&4],T0G5$585"U!3$E'3CH@;&5F="<^=&AE
M(&)O<G)O=V5R(&ES('5N86)L92!T;R!O8G1A:6X@<F5F:6YA;F-I;F<@9G)O
M;2!O=&AE<B!S;W5R8V5S(&%T(&$@;6%R:V5T(')A=&4@<VEM:6QA<B!T;R!R
M871E<R!A=F%I;&%B;&4@=&\@82!N;VXM=')O=6)L960@9&5B=&]R+CPO=&0^
M(#PO='(^(#PO=&%B;&4^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N
M;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0
M041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O
M;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ
M(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^
M($9A8W1O<G,@=&AA="!I;F1I8V%T92!T:&%T(&$@8V]N8V5S<VEO;B!H87,@
M8F5E;B!G<F%N=&5D(&EN8VQU9&4L(&)U="!A<F4@;F]T(&QI;6ET960@=&\Z
M/"]P/B`\=&%B;&4@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!
M1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M
M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I
M;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@,'!T.R!0
M041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C
M:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0Q,#`E/B`\='(@<W1Y
M;&4],T0G1D].5"U325I%.B`Q,'!T.R!615)424-!3"U!3$E'3CH@=&]P.R!&
M3TY4+5=%24=(5#H@;F]R;6%L.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M
M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B`Q,G!T)SX@/'1D('-T>6QE/3-$
M)U=)1%1(.B`R,7!X)SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
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M5"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q
M,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%
M1E0Z(#!P=#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$58
M5"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$
M,"!W:61T:#TS1#$P,"4^(#QT<B!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[
M(%9%4E1)0T%,+4%,24=..B!T;W`[($9/3E0M5T5)1TA4.B!N;W)M86P[($9/
M3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@3$E.12U(14E'
M2%0Z(#$R<'0G/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#(Q<'@G/B9N8G-P.SPO
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M4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE
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M;G0N/"]P/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$
M1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU4
M3U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM
M97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!
M1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!!;GD@;&]A
M;B!M;V1I9FEC871I;VX@=VAE<F4@=&AE(&)O<G)O=V5R)B,S.3MS(&%G9W)E
M9V%T92!E>'!O<W5R92!I<R!A="!L96%S="`D,C4P+#`P,"!A;F0@=VAE<F4@
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M1%(F(S,Y.W,@=V%S("0S-#0L,#`P(&%N9"`D,2XU(&UI;&QI;VX@87,@;V8@
M1&5C96UB97(@,S$L(#(P,3,@86YD(#(P,3(L(')E<W!E8W1I=F5L>2X\+W`^
M(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/
M5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T
M.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R
M:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU2
M24=(5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^(%1H92!F;VQL;W=I;F<@
M=&%B;&4@9&5T86EL<R!T:&4@5$12<R!A="!$96-E;6)E<B`S,2P@,C`Q,R`H
M9&]L;&%R<R!I;B!T:&]U<V%N9',I+CPO<#X@/&1I=B!S='EL93TS1"=415A4
M+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q
M,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R
M:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@
M;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M
M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)
M3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M
M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P
M(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
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M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
M96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/B,@;V8@
M3&]A;G,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N
M/3-$,SY#=7)R96YT($)A;&%N8V4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$,SY#;VYC97-S:6]N($=R86YT960\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@0V]M;65R8VEA;"!L;V%N('-E8W5R960@8GD@<F5A;"!E<W1A=&4\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXR/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#$L,C4P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/D5X=&5N<VEO;B!O9B!M871U<FET>2!D871E
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I
M=CX@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@
M<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@
M3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-
M.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@
M,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!
M1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR
M-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z
M(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS
M1#8P.#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!
M3$E'3CH@;&5F=#L@3$E.12U(14E'2%0Z(&YO<FUA;"<^($QO86YS(&EN(&%C
M8W)U86P@<W1A='5S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/
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M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M
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M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT
M97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D-O;F-E<W-I
M;VX@1W)A;G1E9#PO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$
M+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/C(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SXQ-C$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^17AT96YS:6]N(&]F
M(&UA='5R:71Y(&1A=&4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXR/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SXV,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SY%>'1E;G-I;VX@;V8@;6%T=7)I='D@9&%T
M93PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D
M:78^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'
M+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@
M,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@
M4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.
M1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^(%1H92!F;VQL;W=I
M;F<@=&%B;&4@9&5T86EL<R!T:&4@5$12<R!A="!$96-E;6)E<B`S,2P@,C`Q
M,B`H9&]L;&%R<R!I;B!T:&]U<V%N9',I+CPO<#X@/&1I=B!S='EL93TS1"=4
M15A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%
M.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@
M4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(
M5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N
M;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!
M1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)
M3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<]
M,T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N
M;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
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M;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/B,@
M;V8@3&]A;G,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS
M<&%N/3-$,SY#=7)R96YT($)A;&%N8V4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY#;VYC97-S:6]N($=R86YT960\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P
M-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@0V]M;65R8VEA;"!L;V%N('-E8W5R960@8GD@<F5A;"!E<W1A=&4\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXT/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#,L-S<R/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/D5X=&5N<VEO;B!O9B!M871U<FET>2!D
M871E/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\
M+V1I=CX@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B
M;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM
M97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R
M;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&
M3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/
M33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[
M(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ
M("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%
M3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T
M:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@;&5F=#L@3$E.12U(14E'2%0Z(&YO<FUA;"<^($QO86YS(&EN
M(&%C8W)U86P@<W1A='5S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
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M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
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M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
M96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D-O;F-E
M<W-I;VX@1W)A;G1E9#PO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/
M54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;VUM97)C:6%L(&QO86X@<V5C=7)E
M9"!B>2!R96%L(&5S=&%T93PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/C(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SXQ-CD\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^17AT96YS:6]N
M(&]F(&UA='5R:71Y(&1A=&4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SXQ,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SY%>'1E;G-I;VX@;V8@;6%T=7)I='D@
M9&%T93PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@
M/"]D:78^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$
M24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/
M4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE
M<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$
M1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^(%1H92!F;VQL
M;W=I;F<@=&%B;&4@9&5T86EL<R!T:&4@5$12<R!A="!$96-E;6)E<B`S,2P@
M,C`Q,2`H9&]L;&%R<R!I;B!T:&]U<V%N9',I+CPO<#X@/&1I=B!S='EL93TS
M1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U3
M25I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE
M<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%
M24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%
M.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[
M(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!
M1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I
M;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N
M;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS
M1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU
M;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@;&5F=#L@3$E.
M12U(14E'2%0Z(&YO<FUA;"<^($QO86YS(&EN(&%C8W)U86P@<W1A='5S/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0S/D-U<G)E;G0@0F%L86YC93PO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M
M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4
M.B!N;W)M86PG(&-O;'-P86X],T0S/D-O;F-E<W-I;VX@1W)A;G1E9#PO=&0^
M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T
M+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!#;VUM97)C:6%L(&QO86X@<V5C=7)E9"!B>2!R96%L(&5S=&%T93PO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C4\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@,BPX-S`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^17AT96YS:6]N(&]F(&UA='5R:71Y(&1A
M=&4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO
M9&EV/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.
M1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z
M(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L
M(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)
M3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!);B!A;&P@:6YS
M=&%N8V5S('=H97)E(&QO86YS(&AA=F4@8F5E;B!M;V1I9FEE9"!I;B!T<F]U
M8FQE9"!D96)T(')E<W1R=6-T=7)I;F=S('1H92!P<F4M(&%N9"!P;W-T+6UO
M9&EF:65D(&)A;&%N8V5S(&%R92!T:&4@<V%M92X\+W`^(#QP('-T>6QE/3-$
M)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!4
M15A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T
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M92!L;V%N+CPO<#X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[
M(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)
M3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL
M(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T
M.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@5&AE
M(&9O;&QO=VEN9R!T86)L92!P<F5S96YT<R!T:&4@<F5C;W)D960@:6YV97-T
M;65N="!I;B!L;V%N<R!T:&%T('=E<F4@;6]D:69I960@87,@5$12)B,S.3MS
M(&EN('1H92!P<F5V:6]U<R`Q,B!M;VYT:',@86YD(&1E9F%U;'1E9"!D=7)I
M;F<@=&AE<V4@<F5P;W)T:6YG('!E<FEO9',@*&EN('1H;W5S86YD<RDN/"]P
M/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S
M='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.
M97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ
M(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S
M<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$
M1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T
M<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@
M,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$
M-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S
M<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0Q,3Y996%R(&5N9&5D($1E8V5M8F5R(#,Q+#PO=&0^(#PO='(^(#QT
M<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q
M,SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
M=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S
M/C(P,3(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N
M/3-$,SXR,#$Q/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B`\=3Y296-O<F1E9"!I;G9E<W1M96YT(&]F(&1E9F%U;'1S/"]U
M/CQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B
M*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M4$%$1$E.1RU,1494.B`R,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;VUM
M97)C:6%L(&QO86X@<V5C=7)E9"!B>2!R96%L(&5S=&%T93PO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C$L-#@P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
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M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
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M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PS,3(\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H
M:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,
M1494.B`S,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!4;W1A;#PO=&0^(#QT
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C$L-#@P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#4Y-3PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G
M/B`Q+#,Q,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QP
M('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/
M33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&
M3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[
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M9F]R(&%N=&EC:7!A=&5D(&QO<W-E<RX\+W`^(#QP('-T>6QE/3-$)U1%6%0M
M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,
M24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@
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M<G)Y:6YG(&-O<W0N/"]P/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@
M;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@
M4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2
M;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE.
M.B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G
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M:&5L9"!F;W(@<&%R="!O9B!T:&4@<&5R:6]D+"`H,BD@=&AE(&%M;W5N="!O
M9B!I;G1E<F5S="!I;F-O;64@86-T=6%L;'D@<F5C;W)D960@;VX@<W5C:"!L
M;V%N<RP@86YD("@S*2!T:&4@;F5T(')E9'5C=&EO;B!I;B!I;G1E<F5S="!I
M;F-O;64@871T<FEB=71A8FQE('1O('-U8V@@;&]A;G,N/"]P/B`\9&EV('-T
M>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&
M3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL
M(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/
M3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M
M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z
M(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P
M=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL
M<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^
M(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D
M:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS
M<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\
M+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#
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M;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0Q,3Y9
M14%2($5.1$5$($1%0T5-0D52(#,Q+#PO=&0^(#PO='(^(#QT<CX@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@
M3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT
M97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C(P,3(\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@
M8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$Q
M/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O
M;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F
M;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@
M;F]R;6%L.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;2<@8V]L<W!A;CTS1#$Q/BA)3B!42$]54T%.1%,I/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($EN=&5R97-T(&EN8V]M92!D=64@:6X@86-C;W)D86YC92!W:71H(&]R
M:6=I;F%L('1E<FUS/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3<X/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^,C,Q/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^,S<V/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P
M=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@26YT97)E<W0@:6YC;VUE(')E8V]R
M9&5D/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@+3PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#$V-SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($YE="!R961U8W1I;VX@:6X@:6YT97)E<W0@:6YC;VUE/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^,3<X/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#(S,3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`R
M,#D\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\(2TM16YD
M1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-
M"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W
M-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S
M,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O
M4VAE970Q-2YH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T
M960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E
M=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H
M='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL
M.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I
M<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N
M="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L
M87-S/3-$<F5P;W)T(&ED/3-$240P14U%/@T*("`@("`@/'1R/@T*("`@("`@
M("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R
M;VYG/E!214U)4T53($%.1"!%455)4$U%3E0\8G(^/"]S=')O;F<^/"]T:#X-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^,3(@36]N=&AS
M($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@
M(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4%)%34E315,@04Y$($51
M54E0345.5"!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y04D5-25-%4R!!3D0@15%525!-14Y4/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/0U194$4@:'1M;"!0
M54),24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.
M(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A
M;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS1"=-24XM5TE$
M5$@Z(#<P.'!X.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM4W1A<G1&<F%G
M;65N="TM/B`\:#(@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!
M1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M
M5$]0.B`U<'0[($9/3E0Z(&)O;&0@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA
M;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P
M<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^(#<N
M)FYB<W`[)FYB<W`[4%)%34E315,@04Y$($5154E0345.5#PO:#(^(#QP('-T
M>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@
M,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4
M.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!
M1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@
M,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^($%N(&%N86QY<VES(&]F('!R96UI
M<V5S(&%N9"!E<75I<&UE;G0@9F]L;&]W<SH\+W`^(#QD:78@<W1Y;&4],T0G
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M041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$
M24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG
M/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0U-30^(#QT<CX@/'1D/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S
M/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/
M3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O
M;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@
M8V]L<W!A;CTS1#<^050@1$5#14U"15(@,S$L/"]T9#X@/"]T<CX@/'1R/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE
M9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N
M=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$S/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q
M,CPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/
M3E0M4TE:13H@.'!T.R!&3TY4+5=%24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z
M(&YO<FUA;#L@5$585"U!3$E'3CH@8V5N=&5R.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VTG(&-O;'-P86X],T0W/BA)3B!42$]54T%.1%,I/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($QA;F0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#(P.#PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`Q+#(P.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!0<F5M:7-E<SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(U+#<U,CPO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#(T+#0S,#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^($9U<FYI='5R92!A;F0@97%U:7!M96YT/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^."PY,3(\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`W+#4W,CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($QE87-E:&]L9"!I
M;7!R;W9E;65N=',\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXX,#,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#8Y,#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/
M4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,V+#8W-3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#,S+#DP,#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($QE<W,Z($%C8W5M=6QA=&5D
M(&1E<')E8VEA=&EO;B!A;F0@86UO<G1I>F%T:6]N/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
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M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`R,BPQ,#(\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($YE="!B;V]K('9A;'5E/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,3,L,3$Y/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#$Q
M+#<Y.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QP('-T
M>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@
M,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4
M.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!
M1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@
M,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^(%1H92!#;VUP86YY(')E8V]R9&5D
M(&1E<')E8VEA=&EO;B!E>'!E;G-E(&]F("0Q+C<@;6EL;&EO;B!F;W(@,C`Q
M,R!A;F0@)#$N-2!F;W(@96%C:"!O9B!T:&4@>65A<G,@,C`Q,B!A;F0@,C`Q
M,2P@<F5S<&5C=&EV96QY+CPO<#X@/"$M+45N9$9R86=M96YT+2T^/"]D:78^
M(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\
M+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A
M<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT
M96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y
M,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T,38N:'1M;`T*0V]N
M=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N
M=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\
M:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E
M;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^
M/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^
M+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE
M860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS
M1$E$,$5-13X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@
M8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY$15!/4TE44SQB<CX\
M+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N
M/3-$,3XQ,B!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB
M<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY$
M15!/4TE44R!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y$15!/4TE44SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SPA+2U$3T-465!%(&AT;6P@4%5"3$E#("(M+R]7,T,O
M+T141"!82%1-3"`Q+C`@5')A;G-I=&EO;F%L+R]%3B(@(FAT='`Z+R]W=W<N
M=S,N;W)G+U12+WAH=&UL,2]$5$0O>&AT;6PQ+71R86YS:71I;VYA;"YD=&0B
M("TM/CQD:78^(#QD:78@<W1Y;&4],T0G34E.+5=)1%1(.B`W,#AP>#L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+5-T87)T1G)A9VUE;G0M+3X@/&@R('-T
M>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@
M,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@-7!T.R!&3TY4
M.B!B;VQD(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I
M9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))
M1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'0G/B`X+B9N8G-P.R9N8G-P.T1%
M4$]32513/"]H,CX@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[
M(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)
M3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL
M(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T
M.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@5&AE
M(&9O;&QO=VEN9R!T86)L92!S971S(&9O<G1H('1H92!B86QA;F-E(&]F('1H
M92!#;VUP86YY)B,S.3MS(&1E<&]S:71S.CPO<#X@/&1I=B!S='EL93TS1"=4
M15A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%
M.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@
M4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(
M5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N
M;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!
M1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)
M3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<]
M,T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#4U-#X@/'1R/B`\=&0^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M
M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L
M9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C
M;VQS<&%N/3-$-SY!5"!$14-%34)%4B`S,2P\+W1D/B`\+W1R/B`\='(^(#QT
M9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@;&5F
M=#L@3$E.12U(14E'2%0Z(&YO<FUA;"<^("9N8G-P.R9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT
M97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C(P,3,\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@
M8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$R
M/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O
M;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F
M;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@
M;F]R;6%L.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;2<@8V]L<W!A;CTS1#<^*$E.(%1(3U5304Y$4RD\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@1&5M86YD.CQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#(P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($YO;BUI;G1E<F5S="!B96%R:6YG
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^,34T+#`P,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q-38L
M,C(S/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C@T+#DR-CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#8Q+#<W-#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4
M+4E.1$5.5#H@+3$P<'0G/B!3879I;F=S/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^.#<L-C4U/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@.#8L,3,U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@36]N97D@;6%R:V5T/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^,C$Y+#@P,3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#(Q-2PX-S`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M(&1E<&]S:70@:6X@9&5N;VUI;F%T:6]N<R!O9B`D,3`P+#`P,"!O<B!M;W)E
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^-#<L,C@W/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,S4L,S,Y/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!/=&AE<B!T:6UE/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,C8P+#@U,3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,C@P+#,Y,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^(%1O=&%L(&1E<&]S:71S/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^.#4T+#4R,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`X,S4L-S,T/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/'`@<W1Y;&4],T0G5$585"U44D%.
M4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE
M<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[
M($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4
M.B`R,'!X)SX@26YT97)E<W0@97AP96YS92!O;B!D97!O<VET<R!C;VYS:7-T
M960@;V8@=&AE(&9O;&QO=VEN9SH\+W`^(#QD:78@<W1Y;&4],T0G5$585"U!
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M+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'+5))
M1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C
M96QL<&%D9&EN9STS1#`@=VED=&@],T0U-30^(#QT<CX@/'1D/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#$Q/EE%05(@14Y$140@1$5#
M14U"15(@,S$L/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N
M;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$S/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'
M2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,CPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M
M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C(P,3$\+W1D/B`\+W1R/B`\
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M;VQS<&%N/3-$,3$^*$E.(%1(3U5304Y$4RD\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)
M3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@26YT97)E<W0@
M8F5A<FEN9R!D96UA;F0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,S@\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SXQ,38\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SXQ-3,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C$S.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^,3@Q/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SXR-38\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!-;VYE>2!M87)K
M970\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXW,S8\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C@Y-3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#$L,#8S/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@
M<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-E<G1I9FEC871E<R!O9B!D
M97!O<VET(&EN(&1E;F]M:6YA=&EO;G,@;V8@)#$P,"PP,#`@;W(\8G(@+SX@
M;6]R93PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C(X.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^-#,U/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SXV,S<\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S
M='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($]T:&5R('1I;64\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXS
M+#@V,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@-"PX-S4\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
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M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T
M<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C4L,38T/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!R:6=H="<^(#8L-3`R/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!R:6=H="<^(#@L,S,U/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\+W1A8FQE/B`\+V1I=CX@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ
M(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[
M(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@
M4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)
M3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X
M)SX@5&AE(&9O;&QO=VEN9R!T86)L92!S971S(&9O<G1H('1H92!B86QA;F-E
M(&]F(&]T:&5R('1I;64@9&5P;W-I=',@86YD(&-E<G1I9FEC871E<R!O9B!D
M97!O<VET(&]F("0Q,#`L,#`P(&]R(&UO<F4@87,@;V8@1&5C96UB97(@,S$L
M(#(P,3,@;6%T=7)I;F<@:6X@=&AE('!E<FEO9',@<')E<V5N=&5D.CPO<#X@
M/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y
M;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W
M(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N
M;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T
M.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)
M3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T
M(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P
M>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#4U
M-#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q
M,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@;&5F=#L@3$E.12U(14E'2%0Z(&YO
M<FUA;"<^(%E%05(Z/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/
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M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D-%4E1)1DE#051%4R!/
M1B!$15!/4TE4($]&("0Q,#`L,#`P($]2($U/4D4\+W1D/B`\+W1R/B`\='(^
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M5$585"U)3D1%3E0Z("TQ,'!T)SX@,C`Q-#PO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$R."PW
M,C4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T
M<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C,R+#$P.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U
M+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M(#(P,34\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXT,BPT.3<\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C$S+#,Q,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B`R,#$V/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,C`L
M,#,S/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#4U,3PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(#(P,3<\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,2PV
M.#0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(Q-SPO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$
M)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
M15A4+4E.1$5.5#H@+3$P<'0G/B`R,#$X/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3`L-30Q/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T
M*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494
M.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B`R,#$Y(&%N9"!A9G1E<CPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C0W+#,W,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,#`\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!4
M;W1A;#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(V,"PX-3$\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
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M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N
M9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0W+#(X-SPO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QP('-T>6QE
M/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T
M.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q
M,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)
M3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T
M.R!415A4+4E.1$5.5#H@,C!P>"<^(%1H92!M871U<FET:65S(&]N(&-E<G1I
M9FEC871E<R!O9B!D97!O<VET(&=R96%T97(@=&AA;B`D,3`P+#`P,"!O<B!M
M;W)E(&%S(&]F($1E8V5M8F5R(#,Q+"`R,#$S+"!A<F4@87,@9F]L;&]W<SH\
M+W`^(#QD:78@<W1Y;&4],T0G5$585"U!3$E'3CH@8V5N=&5R)SX@/'1A8FQE
M('-T>6QE/3-$)T9/3E0M4TE:13H@,3!P=#L@1D].5"U&04U)3%DZ(%1I;65S
M($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!&3TY4+59!4DE!3E0Z(&YO<FUA
M;#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+51204Y31D]2
M33H@;F]N93L@1D].5"U714E'2%0Z(&YO<FUA;#L@4$%$1$E.1RU"3U143TTZ
M(#-P=#L@1D].5"U35%E,13H@;F]R;6%L.R!415A4+4%,24=..B!L969T.R!0
M041$24Y'+51/4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M
M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4
M.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@]
M,T0U-30^(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P
M.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B!-05154DE.1R!)3CH\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'
M3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXH
M24X@5$A/55-!3D13*3PO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/
M54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!4:')E92!M;VYT:',@;W(@;&5S<SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C<L,SDY/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M($]V97(@=&AR964@=&AR;W5G:"!S:7@@;6]N=&AS/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,C`L-S8S/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M
M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@3W9E<B!S:7@@=&AR
M;W5G:"!T=V5L=F4@;6]N=&AS/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,RPY-#<\+W-T<F]N9SX\+W1D/B`\=&0@
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M4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!/=F5R
M('1W96QV92!M;VYT:',\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ-2PQ-S@\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G
M8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O
M=&%L/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-#<L,C@W/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/"$M+45N9$9R86=M
M96YT+2T^/"]D:78^(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM
M+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V
M,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y
M7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T
M,3<N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R
M:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S
M+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE
M<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA
M<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R
M8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\
M+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS
M1')E<&]R="!I9#TS1$E$,$5-13X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H
M(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY3
M2$]25"U415)-($)/4E)/5TE.1U,\8G(^/"]S=')O;F<^/"]T:#X-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^,3(@36]N=&AS($5N9&5D
M/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4TA/4E0M5$5232!"3U)23U=)3D=3
M(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E-(3U)4+51%4DT@0D]24D]724Y'4SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SPA+2U$3T-465!%(&AT;6P@4%5"3$E#("(M
M+R]7,T,O+T141"!82%1-3"`Q+C`@5')A;G-I=&EO;F%L+R]%3B(@(FAT='`Z
M+R]W=W<N=S,N;W)G+U12+WAH=&UL,2]$5$0O>&AT;6PQ+71R86YS:71I;VYA
M;"YD=&0B("TM/CQD:78^(#QD:78@<W1Y;&4],T0G34E.+5=)1%1(.B`W,#AP
M>#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+5-T87)T1G)A9VUE;G0M+3X@
M/&@R('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/
M5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@-7!T
M.R!&3TY4.B!B;VQD(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S
M+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$
M24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'0G/B`Y+B9N8G-P.R9N
M8G-P.U-(3U)4+51%4DT@0D]24D]724Y'4SPO:#(^(#QP('-T>6QE/3-$)U1%
M6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4
M+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R
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M=W,Z/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT
M86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4
M:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N
M;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.
M4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]4
M5$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F
M=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)
M3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.
M1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I
M9'1H/3-$-34T/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO
M;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^
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M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([
M($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0W/D%4($1%0T5-0D52
M(#,Q+"`R,#$S/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N
M;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
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M;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E-(
M3U)4+51%4DT@0D]24D]724Y'4SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%24=(5#H@
M8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@8V5N=&5R
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X],T0W/BA)
M3B!42$]54T%.1%,L($580T505"!2051%4RD\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C0Q+#4U-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!-87AI;75M(&EN9&5B=&5D;F5S<R!A="!A;GD@;6]N=&@@96YD/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^-#$L-34U/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%
M3E0Z("TQ,'!T)SX@079E<F%G92!B86QA;F-E(&1U<FEN9R!Y96%R/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^.34Y
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ-BPT.#(\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M92!Y96%R/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^,"XS-"4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C`N,C8E/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L
M,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@
M26YT97)E<W0@<F%T92!O;B!Y96%R(&5N9"!B86QA;F-E/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,"XR-3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QD:78@
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M4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@
M,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E
M;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0U-30^(#QT
M<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M
M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O
M;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%
M24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z
M(&YO<FUA;"<@8V]L<W!A;CTS1#<^050@1$5#14U"15(@,S$L(#(P,3(\+W1D
M/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0S/D9%1$5204P@1E5.1%,@4%520TA!4T5$/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^4TA/4E0M5$5232!"3U)2
M3U=)3D=3/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M
M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%
M24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS1#<^*$E.(%1(3U5304Y$4RP@
M15A#15!4(%)!5$53*3PO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/
M54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!"86QA;F-E/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,34L-C8P/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^($UA>&EM=6T@:6YD96)T961N97-S(&%T(&%N>2!M;VYT:"!E
M;F0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,3DL-S4U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@079E<F%G92!B86QA;F-E(&1U<FEN9R!Y96%R/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^,3$W/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-2PR
M,C4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M92!Y96%R/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#`N,S0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@)3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,"XR,#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`E/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R
M9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!);G1E<F5S="!R871E(&]N('EE87(@96YD(&)A;&%N8V4\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,"XR-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
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M=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[
M(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN
M9STS1#`@=VED=&@],T0U-30^(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P
M86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M
M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#<^050@
M1$5#14U"15(@,S$L(#(P,3$\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS
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M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M
M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D9%1$5204P@1E5.1%,@4%52
M0TA!4T5$/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A
M;CTS1#,^3U1(15(@4TA/4E0M5$5232!"3U)23U=)3D=3/"]T9#X@/"]T<CX@
M/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4
M+4%,24=..B!C96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@
M8V]L<W!A;CTS1#<^*$E.(%1(3U5304Y$4RP@15A#15!4(%)!5$53*3PO=&0^
M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T
M+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!"86QA;F-E/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,34L-S8U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($UA>&EM=6T@
M:6YD96)T961N97-S(&%T(&%N>2!M;VYT:"!E;F0\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,34L-S8U
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&
M5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@079E<F%G92!B86QA;F-E
M(&1U<FEN9R!Y96%R/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^-#D\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#$V-SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!!=F5R86=E(')A=&4@<&%I9"!F;W(@=&AE('EE87(\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,"XS,CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`E/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`P+C4Q/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^("4\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($EN=&5R97-T
M(')A=&4@;VX@>65A<BUE;F0@8F%L86YC93PO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`P+C,T/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/'`@
M<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-
M.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/
M3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@
M4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4
M.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@079E<F%G92!A;6]U;G1S(&]U
M='-T86YD:6YG(&1U<FEN9R!T:&4@>65A<B!R97!R97-E;G0@9&%I;'D@879E
M<F%G97,N($%V97)A9V4@:6YT97)E<W0@<F%T97,@<F5P<F5S96YT(&EN=&5R
M97-T(&5X<&5N<V4@9&EV:61E9"!B>2!T:&4@<F5L871E9"!A=F5R86=E(&)A
M;&%N8V5S+CPO<#X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[
M(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)
M3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL
M(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T
M.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@5&AE
M<V4@8F]R<F]W:6YG('1R86YS86-T:6]N<R!C86X@<F%N9V4@9G)O;2!O=F5R
M;FEG:'0@=&\@;VYE('EE87(@:6X@;6%T=7)I='DN(%1H92!A=F5R86=E(&UA
M='5R:71Y('=A<R!O;F4@9&%Y(&%T(&)O=&@@=&AE(&5N9"!O9B`R,#$S(&%N
M9"`R,#$R(&%N9"!T:')E92!D87ES(&%T('1H92!E;F0@;V8@,C`Q,2X\+W`^
M(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV/B`\+V1I=CX\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*
M/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?-#DW
M.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO
M+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R
M:W-H965T<R]3:&5E=#$X+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I
M;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL
M.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@
M(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T
M97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O
M:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI
M<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\
M=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%344^#0H@("`@("`\='(^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X]
M,T0R/CQS=')O;F<^041604Y#15,@1E)/32!&141%4D%,($A/344@3$]!3B!"
M04Y+($%.1"!'54%204Y4145$($I53DE/4B!354)/4D1)3D%4140@1$5&15)2
M04),12!)3E1%4D535"!$14)%3E154D53/&)R/CPO<W1R;VYG/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/C$R($UO;G1H<R!%
M;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D%$5D%.0T53($923TT@1D5$
M15)!3"!(3TU%($Q/04X@0D%.2R!!3D0@1U5!4D%.5$5%1"!*54Y)3U(@4U5"
M3U)$24Y!5$5$($1%1D524D%"3$4@24Y415)%4U0@1$5"14Y455)%4R!;06)S
M=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y!1%9!3D-%4R!&4D]-($9%1$5204P@2$]-12!,3T%.($)!3DL@04Y$
M($=505)!3E1%140@2E5.24]2(%-50D]21$E.051%1"!$149%4E)!0DQ%($E.
M5$5215-4($1%0D5.5%5215,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\(2TM1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A4
M34P@,2XP(%1R86YS:71I;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]4
M4B]X:'1M;#$O1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV
M/B`\9&EV('-T>6QE/3-$)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2U3=&%R=$9R86=M96YT+2T^(#QH,B!S='EL93TS1"=4
M15A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$58
M5"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#5P=#L@1D].5#H@8F]L9"`Q
M,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)
M3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T
M.R!415A4+4E.1$5.5#H@,'!T)SX@,3`N)FYB<W`[)FYB<W`[041604Y#15,@
M1E)/32!&141%4D%,($A/344@3$]!3B!"04Y+($%.1"!'54%204Y4145$($I5
M3DE/4CQB<B`O/B`F;F)S<#LF;F)S<#LF;F)S<#LF;F)S<#LF;F)S<#M354)/
M4D1)3D%4140@1$5&15)204),12!)3E1%4D535"!$14)%3E154D53/"]H,CX@
M/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]4
M5$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[
M($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I
M9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))
M1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@0F]R<F]W:6YG<R!A;F0@
M861V86YC97,@9G)O;2!T:&4@1DA,0B!C;VYS:7-T(&]F('1H92!F;VQL;W=I
M;F<Z/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT
M86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4
M:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N
M;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.
M4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]4
M5$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F
M=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)
M3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.
M1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I
M9'1H/3-$-34T/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO
M;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^
M(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@
M;&5F=#L@3$E.12U(14E'2%0Z(&YO<FUA;"<^("9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([
M($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0W/D%4($1%0T5-0D52
M(#,Q+"`R,#$S/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@;&5F=#L@3$E.12U(14E'2%0Z(&YO<FUA;"<^($U!5%52
M24Y'/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
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M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)
M1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D)!3$%.0T4\+W1D/B`\+W1R/B`\
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M93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!/=F5R;FEG:'0\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXP+C(U)3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^-#$L-34U/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(#(P,34\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXP+C4R/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXT+#`P,#PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(#(P,38\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXP
M+C@Q/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,BPP,#`\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P
M=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@,C`Q-SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$N,#<\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C<L,#`P/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B`R,#$X/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,2XT-SPO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXR+#`P,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%
M3E0Z("TQ,'!T)SX@5&]T86P@861V86YC97,\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXP+C@Y/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C(U+#`P,#PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P
M-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%!!
M1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@5&]T86P@
M1DA,0B!B;W)R;W=I;F=S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,"XT.24\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
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M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8V+#4U-3PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QD:78@<W1Y;&4]
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M.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0
M041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C
M:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0U-30^(#QT<CX@/'1D
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@
M;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X]
M,T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M
M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA
M;"<@8V]L<W!A;CTS1#<^050@1$5#14U"15(@,S$L(#(P,3(\+W1D/B`\+W1R
M/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)SX@34%455))3D<\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY714E'2%1%1"!!5D5204=%
M(%E)14Q$/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:
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M5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%24=(5#H@8F]L9#L@
M3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@8V5N=&5R.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X],T0W/BA)3B!42$]5
M4T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^($]V97)N:6=H=#PO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`P+C(U/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^("4\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q-2PV-C`\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+
M1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)
M3D1%3E0Z("TQ,'!T)SX@,C`Q-3PO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`P+C4R/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-"PP,#`\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#
M14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/
M54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B`R,#$V/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#`N-S0\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`U+#`P
M,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$
M)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M
M,3!P="<^(#(P,3<\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,"XY,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-"PP,#`\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U
M+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M
M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@5&]T86P@861V86YC
M97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@,"XW,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,3,L,#`P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
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M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#`N-#<\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@)3PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R
M:6=H="<^(#(X+#8V,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D
M:78^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'
M+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@
M,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@
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M96-E;6)E<B`S,2P@,C`Q,RP@=&AE($-O;7!A;GD@:&%D(&EM;65D:6%T96QY
M(&%V86EL86)L92`D,S$X(&UI;&QI;VX@;V8@;W9E<FYI9VAT(&)O<G)O=VEN
M9R!C87!A8FEL:71Y(&%T('1H92!&2$Q"(&%N9"`D.#$@;6EL;&EO;B!O9B!U
M;G-E8W5R960@9F5D97)A;"!F=6YD<R!L:6YE<R!W:71H(&-O<G)E<W!O;F1E
M;G0@8F%N:W,N/"]P/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N
M93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$
M1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA
M;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P
M<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!'
M=6%R86YT965D($IU;FEO<B!3=6)O<F1I;F%T960@1&5F97)R86)L92!);G1E
M<F5S="!$96)E;G1U<F5S.CPO<#X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/
M4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE
M9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.
M97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!
M4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R
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M=&EE<R!W:6QL(&UA='5R92!O;B!*=6YE(#,P+"`R,#(X+"!A;F0@87)E(&-A
M;&QA8FQE(&%T('!A<B!A="!T:&4@;W!T:6]N(&]F('1H92!#;VUP86YY(&%F
M=&5R($IU;F4@,S`L(#(P,#,N(%!R;V-E961S(&]F('1H92!I<W-U92!W97)E
M(&EN=F5S=&5D(&)Y($%M97)I4V5R=B!&:6YA;F-I86P@0V%P:71A;"!4<G5S
M="!)(&EN($IU;FEO<B!3=6)O<F1I;F%T960@1&5B96YT=7)E<R!I<W-U960@
M8GD@06UE<FE397)V($9I;F%N8VEA;"P@26YC+B!5;F%M;W)T:7IE9"!D969E
M<G)E9"!I<W-U86YC92!C;W-T<R!A<W-O8VEA=&5D('=I=&@@=&AE(%1R=7-T
M(%!R969E<G)E9"!396-U<FET:65S(&%M;W5N=&5D('1O("0R,C0L,#`P(&%S
M(&]F($1E8V5M8F5R(#,Q+"`R,#$S(&%N9"!A<F4@:6YC;'5D960@:6X@;W1H
M97(@87-S971S(&]N('1H92!#;VYS;VQI9&%T960@0F%L86YC92!3:&5E=',L
M(&%N9"!A<F4@8F5I;F<@86UO<G1I>F5D(&]N(&$@<W1R86EG:'0M;&EN92!B
M87-I<R!O=F5R('1H92!T97)M(&]F('1H92!I<W-U92X@5&AE(%1R=7-T(%!R
M969E<G)E9"!S96-U<FET:65S(&%R92!L:7-T960@;VX@3D%31$%1('5N9&5R
M('1H92!S>6UB;VP@05-25E`N(%1H92!#;VUP86YY('5S960@)#(R+C4@;6EL
M;&EO;B!O9B!P<F]C965D<R!F<F]M(&$@<')I=F%T92!P;&%C96UE;G0@;V8@
M8V]M;6]N('-T;V-K('1O(')E9&5E;2!4<G5S="!0<F5F97)R960@4V5C=7)I
M=&EE<R!I;B`R,#`U(&%N9"`R,#`T+B!4:&4@8F%L86YC92!A<R!O9B!$96-E
M;6)E<B`S,2P@,C`Q,R!A;F0@,C`Q,B!W87,@)#$S+C$@;6EL;&EO;BX\+W`^
M(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV/B`\+V1I=CX\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*
M/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?-#DW
M.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO
M+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R
M:W-H965T<R]3:&5E=#$Y+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I
M;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL
M.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@
M(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T
M97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O
M:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI
M<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\
M=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%344^#0H@("`@("`\='(^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X]
M,T0R/CQS=')O;F<^1$E30TQ/4U5215,@04)/550@1D%)4B!604Q512!-14%3
M55)%345.5%,\8G(^/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S
M/3-$=&@@8V]L<W!A;CTS1#$^,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E
M8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/CQS=')O;F<^1$E30TQ/4U5215,@04)/550@1D%)4B!604Q512!-14%3
M55)%345.5%,@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^1$E30TQ/4U5215,@04)/550@1D%)4B!604Q5
M12!-14%355)%345.5%,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\(2TM1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@
M,2XP(%1R86YS:71I;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X
M:'1M;#$O1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\
M9&EV('-T>6QE/3-$)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2U3=&%R=$9R86=M96YT+2T^(#QH,B!S='EL93TS1"=415A4
M+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!
M3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#5P=#L@1D].5#H@8F]L9"`Q,'!T
M+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M
M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!4
M15A4+4E.1$5.5#H@,'!T)SX@,3$N)FYB<W`[)FYB<W`[1$E30TQ/4U5215,@
M04)/550@1D%)4B!604Q512!-14%355)%345.5%,\+V@R/B`\<"!S='EL93TS
M1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@
M5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P
M="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'
M+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@
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M:6X@=&AI<R!H:65R87)C:'D@87)E(&%S(&9O;&QO=W,Z/"]P/B`\<"!S='EL
M93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P
M=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@
M,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$
M24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P
M=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!,979E;"!).B9N8G-P.R9N8G-P.U%U
M;W1E9"!P<FEC97,@87)E(&%V86EL86)L92!I;B!A8W1I=F4@;6%R:V5T<R!F
M;W(@:61E;G1I8V%L(&%S<V5T<R!O<B!L:6%B:6QI=&EE<R!A<R!O9B!T:&4@
M<F5P;W)T960@9&%T92X\+W`^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-
M.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T
M.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W
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M+CPO<#X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)
M3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0
M.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S
M+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$
M24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@3&5V96P@24E)
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M:6UA=&EO;BX\+W`^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE
M.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$
M24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N
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M;F=S+CPO<#X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!
M1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M
M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I
M;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0
M041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@5&AE(&9A
M:7(@=F%L=64@;V8@=&AE('-W87`@87-S970@:7,@8F%S960@;VX@86X@97AT
M97)N86P@9&5R:79A=&EV92!V86QU871I;VX@;6]D96P@=7-I;F<@9&%T82!I
M;G!U=',@87,@;V8@=&AE('9A;'5A=&EO;B!D871E(&%N9"!C;&%S<VEF:65D
M($QE=F5L(#(N/"]P/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N
M93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$
M1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA
M;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P
M<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!4
M:&4@9F]L;&]W:6YG('1A8FQE('!R97-E;G1S('1H92!A<W-E=',@<F5P;W)T
M960@;VX@=&AE($-O;G-O;&ED871E9"!"86QA;F-E(%-H965T<R!A="!T:&5I
M<B!F86ER('9A;'5E(&%S(&]F($1E8V5M8F5R(#,Q+"`R,#$S(&%N9"`R,#$R
M+"!B>2!L979E;"!W:71H:6X@=&AE(&9A:7(@=F%L=64@:&EE<F%R8VAY+B!&
M:6YA;F-I86P@87-S971S(&%N9"!L:6%B:6QI=&EE<R!A<F4@8VQA<W-I9FEE
M9"!I;B!T:&5I<B!E;G1I<F5T>2!B87-E9"!O;B!T:&4@;&]W97-T(&QE=F5L
M(&]F(&EN<'5T('1H870@:7,@<VEG;FEF:6-A;G0@=&\@=&AE(&9A:7(@=F%L
M=64@;65A<W5R96UE;G0N/"]P/B`\<"!S='EL93TS1"=415A4+51204Y31D]2
M33H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F
M=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE
M=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%2
M1TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P
M<'@G/B`\=3Y!<W-E=',@86YD($QI86)I;&ET>2!-96%S=7)E9"!O;B!A(%)E
M8W5R<FEN9R!"87-I<SPO=3X\+W`^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&
M3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L
M969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@
M3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-
M05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@
M,C!P>"<^($%S<V5T<R!A;F0@;&EA8FEL:71Y(&UE87-U<F5D(&%T(&9A:7(@
M=F%L=64@;VX@82!R96-U<G)I;F<@8F%S:7,@87)E('-U;6UA<FEZ960@8F5L
M;W<@*&EN('1H;W5S86YD<RDZ/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[
M($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@
M1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M
M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@
M5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,
M1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(
M5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L
M;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S
M<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0Q-3Y&04E2(%9!3%5%($U%05-54D5-14Y44R!!5"!$14-%34)%4B`S
M,2P@,C`Q,R!54TE.1SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/
M3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'
M2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^5$]404P\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY154]4140@4%))0T53($E.
M($%#5$E612!-05)+1513($9/4B!)1$5.5$E#04P@05-31513/&)R("\^("A,
M159%3"`Q*3PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)
M6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0S/E-)1TY)1DE#04Y4($]42$52($]"4T525D%"3$4@24Y05513/&)R
M("\^("A,159%3"`R*3PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&
M3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG
M(&-O;'-P86X],T0S/E-)1TY)1DE#04Y4(%5.3T)315)604),12!)3E!55%,\
M8G(@+SX@*$Q%5D5,(#,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!!<W-E=',Z/&)R("\^(#PO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R
M9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`R,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!5+E,N($%G96YC>2!S96-U<FET:65S/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\
M<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^-BPX,S4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXV+#@S-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M8W5R:71I97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXQ,C,L,S@R/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,C,L,S@R/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)
M3D<M3$5&5#H@,C!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0V]R<&]R871E
M(&)O;F1S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^,3$L-S8Q/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXQ,2PW-C$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO
M9&EV/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L
M92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE
M<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M
M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/
M4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-
M.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@
M4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@
M+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.
M5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H
M/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO
M;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^
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M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([
M($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0Q-3Y&04E2(%9!3%5%
M($U%05-54D5-14Y44R!!5"!$14-%34)%4B`S,2P@,C`Q,B!54TE.1SPO=&0^
M(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A
M;CTS1#,^5$]404P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L
M9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C
M;VQS<&%N/3-$,SY154]4140@4%))0T53($E.($%#5$E612!-05)+1513($9/
M4B!)1$5.5$E#04P@05-31513/&)R("\^("A,159%3"`Q*3PO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([
M($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E-)1TY)1DE#04Y4
M($]42$52($]"4T525D%"3$4@24Y05513/&)R("\^("A,159%3"`R*3PO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
M96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E-)1TY)
M1DE#04Y4(%5.3T)315)604),12!)3E!55%,\8G(@+SX@*$Q%5D5,(#,I/"]T
M9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!!<W-E
M=',Z/&)R("\^(#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S
M<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S
M='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$
M1$E.1RU,1494.B`R,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!5+E,N($%G
M96YC>2!S96-U<FET:65S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`U+#DQ,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-2PY,3$\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#(P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^(%4N4RX@06=E;F-Y(&UO<G1G86=E+6)A8VME
M9"!S96-U<FET:65S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#$S-RPW,S4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q
M,S<L-S,U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P
M-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,C!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@0V]R<&]R871E(&)O;F1S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#<L.#DR/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@-RPX.3(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G
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M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^,38T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SXQ-C0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H
M,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`R,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B!&86ER('9A;'5E(&]F('-W87`@;&EA8FEL:71Y/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^,38T/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SXQ-C0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\<"!S='EL
M93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P
M=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@
M,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$
M24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P
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M<VEN9R!,979E;"`S(&EN<'5T<R!B87-E9"!O;B!O8G-E<G9A8FQE(&UA<FME
M="!D871A('=H:6-H(&%T('1I;65S(&%R92!D:7-C;W5N=&5D+B!!="!$96-E
M;6)E<B`S,2P@,C`Q,RP@:6UP86ER960@;&]A;G,@=VET:"!A(&-A<G)Y:6YG
M('9A;'5E(&]F("0S+C$@;6EL;&EO;B!W97)E(')E9'5C960@8GD@<W!E8VEF
M:6,@=F%L=6%T:6]N(&%L;&]W86YC92!T;W1A;&EN9R`D.#$S+#`P,"!R97-U
M;'1I;F<@:6X@82!N970@9F%I<B!V86QU92!O9B`D,BXS(&UI;&QI;VXN($%T
M($1E8V5M8F5R(#,Q+"`R,#$R+"!I;7!A:7)E9"!L;V%N<R!W:71H(&$@8V%R
M<GEI;F<@=F%L=64@;V8@)#0N."!M:6QL:6]N('=E<F4@<F5D=6-E9"!B>2!S
M<&5C:69I8R!V86QU871I;VX@86QL;W=A;F-E('1O=&%L:6YG("0Q+C8@;6EL
M;&EO;B!R97-U;'1I;F<@:6X@82!N970@9F%I<B!V86QU92!O9B`D,RXR(&UI
M;&QI;VXN/"]P/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@
M4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.
M1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@
M5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[
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M;F-L=61E9"!I;B!T:&4@;F5T(&5X<&5N<V5S(&9R;VT@3U)%3RX\+W`^(#QP
M('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/
M33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&
M3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[
M(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(
M5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^(#QU/D%S<V5T<R!-96%S=7)E
M9"!O;B!A($YO;BUR96-U<G)I;F<@0F%S:7,\+W4^/"]P/B`\<"!S='EL93TS
M1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@
M5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P
M="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'
M+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@
M5$585"U)3D1%3E0Z(#(P<'@G/B!!<W-E=',@;65A<W5R960@870@9F%I<B!V
M86QU92!O;B!A(&YO;BUR96-U<G)I;F<@8F%S:7,@87)E('-U;6UA<FEZ960@
M8F5L;W<@*&EN('1H;W5S86YD<RDZ/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P
M<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I
M9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N
M;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA
M;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.
M1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU2
M24=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@
M8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
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M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O
M;'-P86X],T0Q-3Y&04E2(%9!3%5%($U%05-54D5-14Y44R!!5"!$14-%34)%
M4B`S,2P@,C`Q,R!54TE.1SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%
M24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(
M14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^5$]404P\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY154]4140@4%))0T53
M($E.($%#5$E612!-05)+1513($9/4B!)1$5.5$E#04P@05-31513/&)R("\^
M("A,159%3"`Q*3PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4
M+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O
M;'-P86X],T0S/E-)1TY)1DE#04Y4($]42$52($]"4T525D%"3$4@24Y05513
M/&)R("\^("A,159%3"`R*3PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0S/E-)1TY)1DE#04Y4(%5.3T)315)604),12!)3E!5
M5%,\8G(@+SX@*$Q%5D5,(#,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4
M+4E.1$5.5#H@+3$P<'0G/B!!<W-E=',Z/&)R("\^(#PO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`R,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!);7!A:7)E9"!L;V%N<SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N
M9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(L
M,C4S/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(L,C4S/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#(P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^($]T:&5R(')E86P@97-T871E(&]W;F5D/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,2PP,3<\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C$L,#$W/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/&1I=B!S='EL93TS1"=4
M15A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%
M.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@
M4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(
M5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N
M;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!
M1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)
M3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<]
M,T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N
M;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS
M1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N
M;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@
M8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L
M)R!C;VQS<&%N/3-$,34^1D%)4B!604Q512!-14%355)%345.5%,@050@1$5#
M14U"15(@,S$L(#(P,3(@55-)3D<\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL
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M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E1/5$%,/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E
M<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^455/5$5$(%!2
M24-%4R!)3B!!0U1)5D4@34%22T544R!&3U(@241%3E1)0T%,($%34T544SQB
M<B`O/B`H3$5614P@,2D\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@
M8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L
M)R!C;VQS<&%N/3-$,SY324=.249)0T%.5"!/5$A%4B!/0E-%4E9!0DQ%($E.
M4%544SQB<B`O/B`H3$5614P@,BD\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$,SY324=.249)0T%.5"!53D]"4T525D%"3$4@
M24Y05513/&)R("\^("A,159%3"`S*3PO=&0^(#PO='(^(#QT<B!S='EL93TS
M1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@
M5$585"U)3D1%3E0Z("TQ,'!T)SX@07-S971S.CQB<B`O/B`\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,C!P=#L@5$58
M5"U)3D1%3E0Z("TQ,'!T)SX@26UP86ER960@;&]A;G,\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#,L,C(P/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,RPR,C`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)
M3D<M3$5&5#H@,C!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@3W1H97(@<F5A
M;"!E<W1A=&4@;W=N960\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,2PR,C@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`Q+#(R.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/"]T86)L93X@/"]D:78^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&
M3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L
M969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@
M3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-
M05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@
M,C!P>"<^($1E8V5M8F5R(#,Q+"`R,#$S/"]P/B`\9&EV('-T>6QE/3-$)U1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z
M(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!3
M97)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4
M.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO
M<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$
M1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.
M1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS
M1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO
M;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$
M,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)
M6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@;&5F=#L@3$E.12U(14E'2%0Z(&YO
M<FUA;"<^("9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&
M3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
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M.B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0S/E9A;'5A=&EO;CQB<B`O/B!496-H;FEQ=65S/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^56YO
M8G-E<G9A8FQE/&)R("\^($EN<'5T/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z
M(&YO<FUA;"<@8V]L<W!A;CTS1#,^4F%N9V4H5V=T9"!!=F4I/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!);7!A:7)E9"!L
M;V%N<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C(L,C4S/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G
M/D%P<')A:7-A;"!O9B!C;VQL871E<F%L/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#QS=7`^*#$I/"]S=7`^/"$M+2!015)#
M14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^07!P<F%I<V%L(&%D:G5S=&UE;G1S/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#QS=7`^*#(I/"]S=7`^/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^,"4@=&\@,S<E*#,P)2D\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H
M,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB
M<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B!,:7%U:61A=&EO;B!E>'!E;G-E<SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\<W5P
M/B@R*3PO<W5P/CPA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/C$E('1O(#$U)2@Q,"4I/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^($]T:&5R(')E86P@97-T871E(&]W;F5D/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,2PP,3<\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^07!P<F%I<V%L(&]F(&-O;&QA=&5R86P\
M<W5P/B@Q*2PH,RD\+W-U<#X\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^07!P<F%I<V%L(&%D:G5S
M=&UE;G1S/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#QS=7`^*#(I/"]S=7`^/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^,S$E('1O(#0X)2@S
M."4I/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M
M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P
M.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@3&EQ=6ED871I;VX@97AP96YS97,\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!415A4+4%,24=..B!L969T)SX@/'-U<#XH,BD\+W-U<#X\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SXQ)2!T;R`R,"4H,3`E*3PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/"]T86)L93X@/"]D:78^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&
M3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L
M969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@
M3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-
M05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@
M,C!P>"<^($1E8V5M8F5R(#,Q+"`R,#$R/"]P/B`\9&EV('-T>6QE/3-$)U1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z
M(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!3
M97)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4
M.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO
M<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$
M1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.
M1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS
M1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO
M;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$
M,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)
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M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
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M.B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0S/E9A;'5A=&EO;CQB<B`O/B!496-H;FEQ=65S/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^56YO
M8G-E<G9A8FQE/&)R("\^($EN<'5T/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
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M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!);7!A:7)E9"!L
M;V%N<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,RPR,C`\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^07!P<F%I<V%L(&]F(&-O;&QA=&5R86P\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/'-U<#XH,2D\+W-U
M<#X\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SY!<'!R86ES86P@861J=7-T;65N=',\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/'-U<#XH,BD\
M+W-U<#X\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SXQ)2!T;R`S-24H,C`E*3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^($QI<75I9&%T:6]N
M(&5X<&5N<V5S/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#QS=7`^*#(I/"]S=7`^/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^,24@=&\@,34E
M*#$P)2D\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M960\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PR
M,C@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^07!P<F%I<V%L(&]F(&-O;&QA=&5R86P\<W5P/B@Q
M*2PH,RD\+W-U<#X\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^07!P<F%I<V%L(&%D:G5S=&UE;G1S
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#QS
M=7`^*#(I/"]S=7`^/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^,24@=&\@,C`E*#$U)2D\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+
M1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B!,:7%U
M:61A=&EO;B!E>'!E;G-E<SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\<W5P/B@R*3PO<W5P/CPA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/C$E
M('1O(#(P)2@Q,"4I/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M+W1A8FQE/B`\+V1I=CX@/'1A8FQE('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-
M.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T
M.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W
M(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'
M24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X
M)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$,3`P
M)3X@/'1R('-T>6QE/3-$)T9/3E0M4TE:13H@,3!P=#L@5D525$E#04PM04Q)
M1TXZ('1O<#L@1D].5"U714E'2%0Z(&YO<FUA;#L@1D].5"U35%E,13H@;F]R
M;6%L.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@,3)P="<^(#QT
M9"!S='EL93TS1"=724142#H@,7!X)SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#(P<'@[(%1%6%0M04Q)1TXZ(&QE9G0G/B@Q*3PO=&0^(#QT
M9"!S='EL93TS1"=415A4+4%,24=..B!L969T)SY&86ER(%9A;'5E(&ES(&=E
M;F5R86QL>2!D971E<FUI;F5D('1H<F]U9V@@:6YD97!E;F1E;G0@87!P<F%I
M<V%L<R!O9B!T:&4@=6YD97)L>6EN9R!C;VQL871E<F%L+"!W:&EC:"!G96YE
M<F%L;'D@:6YC;'5D92!V87)I;W5S(&QE=F5L(#,@:6YP=71S('=H:6-H(&%R
M92!N;W0@:61E;G1I9FEA8FQE+CPO=&0^(#PO='(^(#PO=&%B;&4^(#QT86)L
M92!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U14
M3TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@
M1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF
M.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'
M2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E
M;&QP861D:6YG/3-$,"!W:61T:#TS1#$P,"4^(#QT<B!S='EL93TS1"=&3TY4
M+5-)6D4Z(#$P<'0[(%9%4E1)0T%,+4%,24=..B!T;W`[($9/3E0M5T5)1TA4
M.B!N;W)M86P[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F
M=#L@3$E.12U(14E'2%0Z(#$R<'0G/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#%P
M>"<^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`R,'!X.R!415A4
M+4%,24=..B!L969T)SXH,BD\+W1D/B`\=&0@<W1Y;&4],T0G5$585"U!3$E'
M3CH@;&5F="<^07!P<F%I<V%L<R!M87D@8F4@861J=7-T960@8GD@;6%N86=E
M;65N="!F;W(@<75A;&ET871I=F4@9F%C=&]R<R!S=6-H(&%S(&5C;VYO;6EC
M(&-O;F1I=&EO;G,@86YD(&5S=&EM871E9"!L:7%U:61A=&EO;B!E>'!E;G-E
M<RX\+W1D/B`\+W1R/B`\+W1A8FQE/B`\=&%B;&4@<W1Y;&4],T0G5$585"U4
M4D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)
M1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4
M:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`P
M<'0[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$
M14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED
M=&@],T0Q,#`E/B`\='(@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!615)4
M24-!3"U!3$E'3CH@=&]P.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!&3TY4+5-4
M64Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B`Q
M,G!T)SX@/'1D('-T>6QE/3-$)U=)1%1(.B`Q<'@G/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@,C!P>#L@5$585"U!3$E'3CH@;&5F="<^*#,I
M/"]T9#X@/'1D('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&QE9G0G/DEN8VQU9&5S
M('%U86QI=&%T:79E(&%D:G5S=&UE;G1S(&)Y(&UA;F%G96UE;G0@86YD(&5S
M=&EM871E9"!L:7%U:61A=&EO;B!E>'!E;G-E<RX\+W1D/B`\+W1R/B`\+W1A
M8FQE/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D
M>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P
M7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I
M;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C
M+U=O<FMS:&5E=',O4VAE970R,"YH=&UL#0I#;VYT96YT+51R86YS9F5R+45N
M8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O
M:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-
M"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0]
M,T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T
M97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E
M(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@
M("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P14U%/@T*("`@("`@
M/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S
M<&%N/3-$,CX\<W1R;VYG/D1)4T-,3U-54D53($%"3U54($9!25(@5D%,544@
M3T8@1DE.04Y#24%,($E.4U1254U%3E13/&)R/CPO<W1R;VYG/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/C$R($UO;G1H<R!%
M;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D1)4T-,3U-54D53($%"3U54
M($9!25(@5D%,544@3T8@1DE.04Y#24%,($E.4U1254U%3E13(%M!8G-T<F%C
M=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D1)4T-,3U-54D53($%"3U54($9!25(@5D%,544@3T8@1DE.04Y#24%,($E.
M4U1254U%3E13/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M
M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4
M<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ
M+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S
M='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\:#(@<W1Y;&4],T0G5$585"U44D%.
M4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`U<'0[($9/3E0Z(&)O;&0@,3!P="\Q,G!T
M(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z
M(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)
M3D1%3E0Z(#!P="<^(#$R+B9N8G-P.R9N8G-P.T1)4T-,3U-54D53($%"3U54
M($9!25(@5D%,544@3T8@1DE.04Y#24%,($E.4U1254U%3E13/"]H,CX@/'`@
M<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-
M.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/
M3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@
M4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4
M.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@1F]R('1H92!#;VUP86YY+"!A
M<R!F;W(@;6]S="!F:6YA;F-I86P@:6YS=&ET=71I;VYS+"!A<'!R;WAI;6%T
M96QY(#DP)2!O9B!I=',@87-S971S(&%N9"!L:6%B:6QI=&EE<R!A<F4@8V]N
M<VED97)E9"!F:6YA;F-I86P@:6YS=')U;65N=',N($UA;GD@;V8@=&AE($-O
M;7!A;GDF(S,Y.W,@9FEN86YC:6%L(&EN<W1R=6UE;G1S+"!H;W=E=F5R+"!L
M86-K(&%N(&%V86EL86)L92!T<F%D:6YG(&UA<FME="!C:&%R86-T97)I>F5D
M(&)Y(&$@=VEL;&EN9R!B=7EE<B!A;F0@=VEL;&EN9R!S96QL97(@96YG86=I
M;F<@:6X@86X@97AC:&%N9V4@=')A;G-A8W1I;VXN(%1H97)E9F]R92P@<VEG
M;FEF:6-A;G0@97-T:6UA=&5S(&%N9"!P<F5S96YT('9A;'5E(&-A;&-U;&%T
M:6]N<R!W97)E('5S960@8GD@=&AE($-O;7!A;GD@9F]R('1H92!P=7)P;W-E
M(&]F('1H:7,@9&ES8VQO<W5R92X\+W`^(#QP('-T>6QE/3-$)U1%6%0M5%)!
M3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=.
M.B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM
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M(#(I(&%N9"!A;B!E<W1I;6%T:6]N(&UE=&AO9&]L;V=Y("A,979E;"`S*2!T
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M(&)A<V5D(&]N(%53($=!05`@;65A<W5R96UE;G1S+"!A;F0@<F5C;W)D960@
M8V%R<GEI;F<@=F%L=65S(&%T($1E8V5M8F5R(#,Q+"`R,#$S(&%N9"`R,#$R
M+"!W97)E(&%S(&9O;&QO=W,Z/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[
M($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@
M1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M
M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@
M5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,
M1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(
M5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L
M;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT
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M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0Q.3Y!="!$96-E;6)E<B`S
M,2P@,C`Q,SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO
M<FUA;"<@8V]L<W!A;CTS1#,^0V%R<GEI;F<@5F%L=64\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY&86ER(%9A;'5E/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^*$QE
M=F5L(#$I/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A
M;CTS1#,^*$QE=F5L(#(I/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA
M;"<@8V]L<W!A;CTS1#,^*$QE=F5L(#,I/"]T9#X@/"]T<CX@/'1R/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[
M($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)
M1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C
M96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS
M1#$Y/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($9)3D%.0TE!3"!!4U-%5%,Z
M/&)R("\^(#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T
M<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C,P+#`V-CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^,S`L,#8V/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXS,"PP-C8\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R
M9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!);G9E<W1M96YT('-E8W5R:71I97,F;F)S<#LM)FYB<W`[
M0493/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^,30Q+#DW.#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,30Q+#DW.#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,30Q+#DW.#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!);G9E<W1M96YT('-E8W5R:71I97,F;F)S<#LM)FYB<W`[2%1-/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,3@L,3@W/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ-RPW.#@\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C$T+#@R,CPO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,BPY-C8\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R
M9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!296=U;&%T;W)Y('-T;V-K/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-BPX,#(\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8L.#`R/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXV+#@P,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!,;V%N<R!H96QD(&9O<B!S86QE/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,RPT,#(\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,L-#4S/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXS+#0U,SPO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C<W,RPR-#(\+W-T<F]N9SX\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C<W,2PT-C`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C<W,2PT-C`\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C(L.3`X/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXR+#DP.#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,BPY,#@\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!"86YK(&]W;F5D(&QI9F4@:6YS=7)A;F-E/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,S8L
M-C8Y/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXS-BPV-CD\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,V+#8V.3PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!&24Y!3D-)
M04P@3$E!0DE,251)15,Z/&)R("\^(#PO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F
M;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS
M1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,
M1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!$97!O<VET<R!W:71H
M(&YO('-T871E9"!M871U<FET:65S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-30V+#,X-#PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG
M/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-30V
M+#,X-#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\
M<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^-30V+#,X-#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!$97!O<VET
M<R!W:71H('-T871E9"!M871U<FET:65S/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,S`X+#$S.#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,S$S+#(W,CPO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,S$S+#(W,CPO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%-H;W)T+71E
M<FT@8F]R<F]W:6YG<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C0Q+#4U-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^-#$L-34U/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXT,2PU-34\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\
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M3E0Z("TQ,'!T)SX@06QL(&]T:&5R(&)O<G)O=VEN9W,\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXS."PP.#4\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0P+#4Y.#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-#`L
M-3DX/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T
M*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@06-C
M<G5E9"!I;G1E<F5S="!P87EA8FQE/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,2PW.#0\+W-T<F]N9SX\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C$L-S@T/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXQ+#<X-#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^
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M24Y'+51/4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P
M="`P<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P
M<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0V
M,#@^(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
M.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L
M)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L
M<W!A;CTS1#$Y/D%T($1E8V5M8F5R(#,Q+"`R,#$R/"]T9#X@/"]T<CX@/'1R
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%
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M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O
M;'-P86X],T0S/D9A:7(@5F%L=64\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$,SXH3&5V96P@,2D\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXH3&5V96P@,BD\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N
M=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXH3&5V96P@
M,RD\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
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M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P
M-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@1DE.04Y#24%,($%34T544SH\8G(@+SX@/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N
M8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494
M.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#87-H(&%N9"!C87-H(&5Q
M=6EV86QE;G1S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R
M-BPX,C`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,C8L.#(P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#(V+#@R,#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T
M*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@26YV
M97-T;65N="!S96-U<FET:65S)FYB<W`[+29N8G-P.T%&4SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q-3$L-3,X/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,34Q+#4S.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$U
M,2PU,S@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M;65N="!S96-U<FET:65S)FYB<W`[+29N8G-P.TA433PO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q,RPW,C,\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`Q-"PR-C8\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q,2PS,C$\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`R+#DT-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^(%)E9W5L871O<GD@<W1O8VL\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@-BPS,#0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`V+#,P-#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#8L,S`T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^($QO86YS(&AE;&0@9F]R('-A;&4\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3`L-3<V/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,3`L-S(R/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3`L-S(R/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P
M-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@3&]A;G,L(&YE="!O9B!A;&QO=V%N8V4@9F]R(&QO86X@;&]S<R!A
M;F0@=6YE87)N960@:6YC;VUE/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#<P."PU.30\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`W,38L-S4V/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-S$V
M+#<U-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!!8V-R=65D(&EN=&5R97-T(&EN8V]M
M92!R96-E:79A8FQE/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#(L.38P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPY-C`\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`R+#DV,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^($)A;FL@;W=N960@;&EF92!I;G-U<F%N
M8V4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,S8L
M,C$T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@,S8L,C$T/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,S8L,C$T
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/
M4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($9A:7(@=F%L=64@<W=A<"!A<W-E=#PO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/C$V-#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^,38T/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ-C0\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+
M1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S
M<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-3(P+#`P,CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`U,C`L,#`R/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#4R,"PP,#(\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($1E<&]S:71S('=I
M=&@@<W1A=&5D(&UA='5R:71I97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,S$U+#<S,CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#,R,"PY,S`\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`S
M,C`L.3,P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%-H;W)T+71E<FT@8F]R<F]W:6YG
M<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q-2PV
M-C`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`Q-2PV-C`\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q-2PV-C`\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!!;&P@;W1H97(@8F]R<F]W:6YG<SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R-BPP.#4\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`S,"PT-#(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`S,"PT-#(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M;G1E<F5S="!P87EA8FQE/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#(L,#@S/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPP.#,\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`R+#`X,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($9A:7(@=F%L=64@<W=A<"!L:6%B
M:6QI='D\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ
M-C0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/C$V-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^,38T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/'`@<W1Y;&4],T0G5$585"U44D%.
M4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE
M<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[
M($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4
M.B`R,'!X)SX@5&AE(&9A:7(@=F%L=64@;V8@8V%S:"!A;F0@8V%S:"!E<75I
M=F%L96YT<RP@<F5G=6QA=&]R>2!S=&]C:RP@86-C<G5E9"!I;G1E<F5S="!I
M;F-O;64@<F5C96EV86)L92P@<VAO<G0M=&5R;2!B;W)R;W=I;F=S+"!A;F0@
M86-C<G5E9"!I;G1E<F5S="!P87EA8FQE(&%R92!E<75A;"!T;R!T:&4@8W5R
M<F5N="!C87)R>6EN9R!V86QU92X\+W`^(#QP('-T>6QE/3-$)U1%6%0M5%)!
M3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=.
M.B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM
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M<FET:65S+CPO<#X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[
M(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)
M3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL
M(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T
M.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@3&]A
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M<')O=&5C="!T:&4@<')I8VEN9R!C;VUM:71M96YT("AT>7!I8V%L;'D@82`S
M,"P@-#4L(&]R(#8P(&1A>2!L;V-K('!E<FEO9"DN/"]P/B`\<"!S='EL93TS
M1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@
M5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P
M="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'
M+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@
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M<W-U;65D('!R97!A>6UE;G0@<FES:RX\+W`^(#QP('-T>6QE/3-$)U1%6%0M
M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,
M24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@
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M=&AE(&)O;VL@=F%L=64N/"]P/B`\<"!S='EL93TS1"=415A4+51204Y31D]2
M33H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F
M=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE
M=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%2
M1TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P
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M86YC92X\+W`^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0
M041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'
M+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4
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M('=I=&@@<VEM:6QA<B!R96UA:6YI;F<@;6%T=7)I=&EE<RX\+W`^(#QP('-T
M>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@
M,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4
M.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!
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M8V@@86=R965M96YT<RX\+W`^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-
M.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T
M.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W
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M;6ET;65N=',@87)E('!R97-E;G1E9"!I;B!.;W1E(#$V+CPO<#X@/'`@<W1Y
M;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S
M<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z
M(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$
M1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P
M<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@0VAA;F=E<R!I;B!A<W-U;7!T:6]N
M<R!O<B!E<W1I;6%T:6]N(&UE=&AO9&]L;V=I97,@;6%Y(&AA=F4@82!M871E
M<FEA;"!E9F9E8W0@;VX@=&AE<V4@97-T:6UA=&5D(&9A:7(@=F%L=65S+B!4
M:&4@0V]M<&%N>28C,SD[<R!R96UA:6YI;F<@87-S971S(&%N9"!L:6%B:6QI
M=&EE<R!W:&EC:"!A<F4@;F]T(&-O;G-I9&5R960@9FEN86YC:6%L(&EN<W1R
M=6UE;G1S(&AA=F4@;F]T(&)E96X@=F%L=65D(&1I9F9E<F5N=&QY('1H86X@
M:&%S(&)E96X@8W5S=&]M87)Y('5N9&5R(&AI<W1O<FEC86P@8V]S="!A8V-O
M=6YT:6YG+CPO<#X@/"$M+45N9$9R86=M96YT+2T^/"]D:78^(#PO9&EV/CQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*
M("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.#(S,F,T
M83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT96YT+4QO8V%T
M:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W
M-C$S.3$V8R]7;W)K<VAE971S+U-H965T,C$N:'1M;`T*0V]N=&5N="U4<F%N
M<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E
M.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@
M/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C
M;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T
M>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T
M(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB
M;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$5-13X-
M"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS
M1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY)3D-/344@5$%815,\8G(^/"]S=')O
M;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^
M,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T
M:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^24Y#3TU%
M(%1!6$53(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DE.0T]-12!405A%4SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SPA+2U$3T-465!%(&AT;6P@4%5"3$E#("(M+R]7
M,T,O+T141"!82%1-3"`Q+C`@5')A;G-I=&EO;F%L+R]%3B(@(FAT='`Z+R]W
M=W<N=S,N;W)G+U12+WAH=&UL,2]$5$0O>&AT;6PQ+71R86YS:71I;VYA;"YD
M=&0B("TM/CQD:78^(#QD:78@<W1Y;&4],T0G34E.+5=)1%1(.B`W,#AP>#L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+5-T87)T1G)A9VUE;G0M+3X@/&@R
M('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/
M33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@-7!T.R!&
M3TY4.B!B;VQD(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!3
M97)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'
M+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'0G/B`Q,RXF;F)S<#LF;F)S
M<#M)3D-/344@5$%815,\+V@R/B`\<"!S='EL93TS1"=415A4+51204Y31D]2
M33H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F
M=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE
M=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%2
M1TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P
M<'@G/B!4:&4@97AP96YS92!F;W(@:6YC;VUE('1A>&5S(&ES('-U;6UA<FEZ
M960@8F5L;W<Z/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-
M24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))
M04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)
M3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'
M3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[
M($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!4
M15A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<]
M,T0P('=I9'1H/3-$-34T/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N
M/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D
M:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS
M<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&
M3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!&
M3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@;&5F=#L@3$E.12U(14E'
M2%0Z(&YO<FUA;"<^("9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)
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M<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L
M<W!A;CTS1#,^,C`Q,SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&
M3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG
M(&-O;'-P86X],T0S/C(P,3(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(
M5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)R!C;VQS<&%N/3-$,SXR,#$Q/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)
M3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)1TA4
M.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C96YT
M97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS1#$Q
M/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-U<G)E;G0\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS
M=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXQ,SD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ-#`\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXY-3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($1E
M9F5R<F5D/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^,BPQ-3`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#(L,3`Q/"]T
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M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG
M:'0G/B`R+#<U.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)
M3D1%3E0Z("TQ,'!T)SX@26YC;VUE('1A>"!E>'!E;G-E/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,BPR.#D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPR-#$\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
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M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M,BPX-3,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#
M14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\<"!S
M='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ
M(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].
M5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0
M041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z
M(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!4:&4@<F5C;VYC:6QI871I;VX@
M8F5T=V5E;B!T:&4@9F5D97)A;"!S=&%T=71O<GD@=&%X(')A=&4@86YD('1H
M92!#;VUP86YY)B,S.3MS(&5F9F5C=&EV92!C;VYS;VQI9&%T960@:6YC;VUE
M('1A>"!R871E(&ES(&%S(&9O;&QO=W,Z/"]P/B`\9&EV('-T>6QE/3-$)U1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z
M(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!3
M97)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4
M.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO
M<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$
M1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.
M1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS
M1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO
M;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$
M,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M
M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N
M/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0R,SY914%2($5.1$5$($1%0T5-0D52(#,Q+#PO=&0^
M(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A
M;CTS1#<^,C`Q,SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4
M+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O
M;'-P86X],T0W/C(P,3(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@
M8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L
M)R!C;VQS<&%N/3-$-SXR,#$Q/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M
M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY!34]53E0\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY2051%/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E
M;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^04U/54Y4
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
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M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
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M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O
M;'-P86X],T0S/E)!5$4\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&
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M(&)A<V5D(&]N(&9E9&5R86P@<W1A='5T;W)Y(')A=&4\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS
M=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXR+#4T-#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,S0N,"4\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@,BPT-S4\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`S-"XP/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("4\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`S+#$Y,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#,T+C`\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@)3PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$58
M5"U)3D1%3E0Z("TQ,'!T)SX@5&%X(&5X96UP="!I;F-O;64\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH,S4Y*3PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#0N."D\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`H,S$U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("@T+C,\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@*#,R-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`H,RXU/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($]T:&5R
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^,3`T/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
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M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$N-#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@.#$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!R:6=H="<^(#$N,3PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#$U/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M*#`N,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^(%1O=&%L(&5X<&5N<V4@9F]R(&EN8V]M92!T87AE<SPO=&0^
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C(L,C@Y/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXS,"XV)3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#(T,3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^
M(#,P+C@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@)3PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!R:6=H="<^(#(L.#4S/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,S`N-#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`E/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\<"!S='EL93TS1"=415A4+512
M04Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'
M3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I
M;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P
M>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%
M3E0Z(#(P<'@G/B!4:&4@9F]L;&]W:6YG('1A8FQE(&AI9VAL:6=H=',@=&AE
M(&UA:F]R(&-O;7!O;F5N=',@8V]M<')I<VEN9R!T:&4@9&5F97)R960@=&%X
M(&%S<V5T<R!A;F0@;&EA8FEL:71I97,@9F]R(&5A8V@@;V8@=&AE('!E<FEO
M9',@<')E<V5N=&5D.CPO<#X@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C
M96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4
M+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M
M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0
M041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M
M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@
M,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P
M=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D
M:6YG/3-$,"!W:61T:#TS1#4U-#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'
M3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$-SY!
M5"!$14-%34)%4B`S,2P\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&
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M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)
M1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C(P,3,\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$R/"]T9#X@/"]T<CX@
M/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4
M+4%,24=..B!C96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@
M8V]L<W!A;CTS1#<^*$E.(%1(3U5304Y$4RD\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)
M3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@1$5&15)2140@
M5$%8($%34T544SH\8G(@+SX@/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P
M.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`R
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!!;&QO=V%N8V4@9F]R(&QO86X@
M;&]S<V5S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,RPT,S<\+W-T<F]N9SX\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M-"PR-S0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.
M1RU,1494.B`R,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!5;F9U;F1E9"!C
M;VUM:71M96YT(')E<V5R=F4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXR-C0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/C(R,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`R,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!0<F5M:7-E<R!A;F0@97%U:7!M96YT
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,2PX,S(\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#8R-CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#(P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^($%C8W)U960@<&5N<VEO;B!O8FQI9V%T
M:6]N/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^,2PT-C(\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#DQ-CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`R,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!.970@;W!E<F%T:6YG(&QO<W,@8V%R<GEF;W)W87)D
M<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C$L,S`W/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPX.#,\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#
M14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/
M54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`R,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!!;'1E<FYA=&EV92!M:6YI;75M('1A
M>"!C<F5D:71S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,2PW-#D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#8S
M-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$
M)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#(P<'0[(%1%6%0M24Y$14Y4.B`M
M,3!P="<^($]T:&5R/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
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M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`S-C@\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%!!1$1)3D<M3$5&5#H@,S!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@5&]T86P@=&%X(&%S<V5T<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$P+#0T-#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I
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M<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,C!P
M=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@26YV97-T;65N="!A8V-R971I;VX\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXH,3@I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXH,C@\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#(P<'0[(%1%6%0M24Y$14Y4.B`M
M,3!P="<^(%5N<F5A;&EZ960@:6YV97-T;65N="!S96-U<FET>2!G86EN<SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/B@U-#4I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#(L,3,S/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,C!P=#L@5$585"U)3D1%3E0Z
M("TQ,'!T)SX@3W1H97(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH,S`Y*3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M*#(Y-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!0041$24Y'+4Q%1E0Z(#,P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O
M=&%L('1A>"!L:6%B:6QI=&EE<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@X-S(I/"]S=')O;F<^/"]T
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M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG
M:'0G/B`H,BPT-38\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="
M04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4
M+4E.1$5.5#H@+3$P<'0G/B!.970@9&5F97)R960@=&%X(&%S<V5T/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^.2PU-S(\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3$L-#8W
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/'`@<W1Y;&4]
M,T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[
M(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P
M<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.
M1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[
M(%1%6%0M24Y$14Y4.B`R,'!X)SX@070@1&5C96UB97(@,S$L(#(P,3,@86YD
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M=&%X(&-R961I=',N/"]P/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@
M;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@
M4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2
M;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE.
M.B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G
M/B!4:&4@8VAA;F=E(&EN(&YE="!D969E<G)E9"!T87@@87-S971S(&%N9"!L
M:6%B:6QI=&EE<R!C;VYS:7-T(&]F('1H92!F;VQL;W=I;F<Z/"]P/B`\9&EV
M('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS
M1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M
M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[
M($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/
M3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU4
M3U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T
M(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C
M96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-34T/B`\
M='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C
M;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS
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M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M
M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4
M.B!N;W)M86PG(&-O;'-P86X],T0W/EE%05(@14Y$140@1$5#14U"15(@,S$L
M/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O
M;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F
M;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L
M9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C
M;VQS<&%N/3-$,SXR,#$S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA
M;"<@8V]L<W!A;CTS1#,^,C`Q,CPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%24=(5#H@
M8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@8V5N=&5R
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X],T0W/BA)
M3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^(%5N<F5A;&EZ960@9V%I;G,@<F5C;V=N
M:7IE9"!I;B!C;VUP<F5H96YS:79E(&EN8V]M93PO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N
M9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$L
M-3DU/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^,38R/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI
M=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%!E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@Q+#,T,"D\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/C<R-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)
M3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@1&5F97)R960@
M<')O=FES:6]N(&9O<B!I;F-O;64@=&%X97,\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH,BPQ-3`I/"]S
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M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@<FEG:'0G/B`H,BPQ,#$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S
M='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)
M3D1%3E0Z("TQ,'!T)SX@3F5T(&1E8W)E87-E/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^*#$L.#DU*3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`H,2PR,30\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/'`@<W1Y;&4],T0G5$585"U4
M4D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)
M1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4
M:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T
M<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$
M14Y4.B`R,'!X)SX@5&AE($-O;7!A;GD@:&%S(&%L=&5R;F%T:79E(&UI;FEM
M=6T@=&%X(&-R961I="!C87)R>69O<G=A<F1S(&]F(&%P<')O>&EM871E;'D@
M)#$N-R!M:6QL:6]N(&%T($1E8V5M8F5R(#,Q+"`R,#$S+B!4:&5S92!C<F5D
M:71S(&AA=F4@86X@:6YD969I;FET92!C87)R>69O<G=A<F0@<&5R:6]D+B!4
M:&4@0V]M<&%N>2!A;'-O(&AA<R!A("0S+C@@;6EL;&EO;B!N970@;W!E<F%T
M:6YG(&QO<W,@8V%R<GEF;W)W87)D('1H870@=VEL;"!B96=I;B!T;R!E>'!I
M<F4@:6X@=&AE('EE87(@,C`R-2X\+W`^(#QP('-T>6QE/3-$)U1%6%0M5%)!
M3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=.
M.B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM
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M8FQE('EE87)S('1H<F]U9V@@,C`P.2!H879E(&)E96X@8VQO<V5D(&9O<B!P
M=7)P;W-E<R!O9B!E>&%M:6YA=&EO;B!B>2!T:&4@26YT97)N86P@4F5V96YU
M92!397)V:6-E(&%N9"!T:&4@4&5N;G-Y;'9A;FEA($1E<&%R=&UE;G0@;V8@
M4F5V96YU92X\+W`^(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV/B`\+V1I=CX\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-
M"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R,S)C
M-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,;V-A
M=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P
M-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E=#(R+FAT;6P-"D-O;G1E;G0M5')A
M;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP
M93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@
M(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@
M8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@
M='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO
M="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\
M8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%344^
M#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X]
M,T0Q(')O=W-P86X],T0R/CQS=')O;F<^14U03$]9144@0D5.149)5"!03$%.
M4SQB<CX\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C
M;VQS<&%N/3-$,3XQ,B!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@
M,C`Q,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T
M<F]N9SY%35!,3UE%12!"14Y%1DE4(%!,04Y3(%M!8G-T<F%C=%T\+W-T<F]N
M9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5-4$Q/645%
M($)%3D5&250@4$Q!3E,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\(2TM1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@
M,2XP(%1R86YS:71I;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X
M:'1M;#$O1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\
M9&EV('-T>6QE/3-$)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2U3=&%R=$9R86=M96YT+2T^(#QH,B!S='EL93TS1"=415A4
M+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!
M3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#5P=#L@1D].5#H@8F]L9"`Q,'!T
M+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M
M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!4
M15A4+4E.1$5.5#H@,'!T)SX@,30N)FYB<W`[)FYB<W`[14U03$]9144@0D5.
M149)5"!03$%.4SPO:#(^(#QH-2!S='EL93TS1"=415A4+51204Y31D]233H@
M;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@
M4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2
M;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE.
M.B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^
M(%!%3E-)3TX@4$Q!3E,Z/"]H-3X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/
M4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE
M9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.
M97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!
M4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R
M,'!X)SX@5&AE($-O;7!A;GD@:&%S(&$@;F]N8V]N=')I8G5T;W)Y(&1E9FEN
M960@8F5N969I="!P96YS:6]N('!L86X@8V]V97)I;F<@86QL(&5M<&QO>65E
M<R!W:&\@=V]R:R!A="!L96%S="`Q+#`P,"!H;W5R<R!P97(@>65A<BX@5&AE
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M=6%R>2`Q+"`R,#$S+"!T:&4@0V]M<&%N>2!I;7!L96UE;G1E9"!A('-O9G0@
M9G)E97IE(&]F(&ET<R!D969I;F5D(&)E;F5F:70@<&5N<VEO;B!P;&%N(&9O
M<B!N;VXM=6YI;VX@96UP;&]Y965S+B!!('-O9G0@9G)E97IE(&UE86YS('1H
M870@86QL(&5X:7-T:6YG(&5M<&QO>65E<R!A<R!O9B!$96-E;6)E<B`S,2P@
M,C`Q,B!W:6QL(')E;6%I;B!I;B!T:&4@9&5F:6YE9"!B96YE9FET('!E;G-I
M;VX@<&QA;B!B=70@86YY(&YE=R!N;VXM=6YI;VX@96UP;&]Y965S(&AI<F5D
M(&%F=&5R($IA;G5A<GD@,2P@,C`Q,R!W:6QL(&YO(&QO;F=E<B!B92!P87)T
M(&]F('1H92!D969I;F5D(&)E;F5F:70@<&QA;B!B=70@:6YS=&5A9"!W:6QL
M(&)E(&]F9F5R960@<F5T:7)E;65N="!B96YE9FET<R!U;F1E<B!A;B!E;FAA
M;F-E9"`T,#%+('!R;V=R86TN(%1H92!#;VUP86YY(&EM<&QE;65N=&5D(&$@
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M=&EE<R`H:6YC;'5D:6YG(%4N4RX@5')E87-U<GD@86YD($%G96YC>2!S96-U
M<FET:65S+"!C;W)P;W)A=&4@;F]T97,@86YD(&)O;F1S*2P@;&ES=&5D(&-O
M;6UO;B!S=&]C:W,@*&EN8VQU9&EN9R!S:&%R97,@;V8@06UE<FE397)V($9I
M;F%N8VEA;"P@26YC+B!C;VUM;VX@<W1O8VL@=F%L=65D(&%T("0V,S$L,#`P
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M/B`\:#4@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M
M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S
M<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!3
M97)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'
M+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'0G/B!014Y324].($)%3D5&
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M1TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M
M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@
M=VED=&@],T0U-30^(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@
M;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E
M<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#<^645!4B!%3D1%
M1"!$14-%34)%4B`S,2P\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&
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M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)
M1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C(P,3,\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$R/"]T9#X@/"]T<CX@
M/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4
M+4%,24=..B!C96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@
M8V]L<W!A;CTS1#<^*$E.(%1(3U5304Y$4RD\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)
M3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0TA!3D=%($E.
M($)%3D5&250@3T),24=!5$E/3CH\8G(@+SX@/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!"96YE9FET(&]B
M;&EG871I;VX@870@8F5G:6YN:6YG(&]F('EE87(\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O
M;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR
M.2PX-#0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,C4L-S`Y/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/
M4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)
M3D1%3E0Z("TQ,'!T)SX@4V5R=FEC92!C;W-T/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,2PW,#,\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`Q+#4Y,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!);G1E<F5S
M="!C;W-T/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^,2PQ.#D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#(S-#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($%C='5A<FEA;"`H9V%I;BD@
M;&]S<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/B@W-3<I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPX.#(\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+
M1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!"96YE9FET<R!P86ED/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#$L-S,P*3PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@*#$L-3<T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!"96YE9FET(&]B;&EG871I;VX@870@96YD(&]F('EE
M87(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXS,"PR-#D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#(Y+#@T-#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M($-(04Y'12!)3B!03$%.($%34T544SH\8G(@+SX@/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($9A:7(@=F%L=64@;V8@<&QA;B!A<W-E=',@870@8F5G:6YN:6YG(&]F
M('EE87(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXR,2PS-C@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q."PQ.#`\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C,L.#4P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPQ-C(\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#
M14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/
M54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!%;7!L;WEE<B!C;VYT<FEB=71I;VYS
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,BPX,#`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#8P,#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($)E
M;F5F:71S('!A:60\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXH,2PW,S`I/"]S=')O;F<^/"]T9#X@/'1D
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M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`H
M,2PU-S0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#
M14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/
M54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^($9A:7(@=F%L=64@;V8@<&QA;B!A<W-E=',@870@96YD(&]F
M('EE87(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXR-BPR.#@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#(Q+#,V.#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/
M4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($9U;F1E9"!S
M=&%T=7,@;V8@=&AE('!L86XF;F)S<#LM)FYB<W`[=6YD97(@9G5N9&5D/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^*#,L.38Q*3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`H
M."PT-S8\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/&1I
M=B!S='EL93TS1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4]
M,T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O
M;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE
M.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&
M3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M
M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P
M="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@
M8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#4U-#X@
M/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M
M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
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M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/
M3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O
M;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@
M8V]L<W!A;CTS1#,^,C`Q,SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0S/C(P,3(\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL
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M54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!!34]53E13($Y/5"!9150@4D5#3T=.
M25I%1"!!4R!!($-/35!/3D5.5"!/1B!.150@4$5224]$24,@4$5.4TE/3B!#
M3U-4.CQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^($%M;W5N=',@<F5C;V=N:7IE9"!I;B!A8V-U
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+
M1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!4<F%N<VET:6]N(&%S<V5T/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B@X/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B!0<FEO<B!S97)V:6-E(&-O<W0\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH,3DI/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SXH,S@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,
M24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L
M,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,
M1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!.970@86-T=6%R:6%L
M(&QO<W,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXQ,"PQ,#<\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#$T+#,Q-3PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/
M4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,3`L,#@X/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#$T
M+#(V.3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QD:78@
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M4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@
M,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E
M;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0U-30^(#QT
M<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M
M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O
M;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%
M24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z
M(&YO<FUA;"<@8V]L<W!A;CTS1#<^645!4B!%3D1%1#QB<B`O/B!$14-%34)%
M4B`S,2P\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0S/C(P,3,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$R/"]T9#X@/"]T<CX@/'1R/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[
M($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)
M1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C
M96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS
M1#<^*$E.(%1(3U5304Y$4RD\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@
M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@04-#54U53$%4140@0D5.149)
M5"!/0DQ)1T%424]..CQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB
M<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@
M<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^($%C8W5M=6QA=&5D(&)E;F5F:70@;V)L:6=A=&EO
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M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(W+#4V-CPO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G
M/B`R-BPV-C(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\
M<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U14
M3TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@
M1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF
M.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'
M2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!4:&4@=V5I9VAT960M879E
M<F%G92!A<W-U;7!T:6]N<R!U<V5D('1O(&1E=&5R;6EN92!B96YE9FET(&]B
M;&EG871I;VYS(&%T($1E8V5M8F5R(#,Q+"`R,#$S(&%N9"`R,#$R('=E<F4@
M87,@9F]L;&]W<SH\+W`^(#QD:78@<W1Y;&4],T0G5$585"U!3$E'3CH@8V5N
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M=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[
M(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN
M9STS1#`@=VED=&@],T0U-30^(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P
M86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M
M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#<^645!
M4B!%3D1%1"!$14-%34)%4B`S,2P\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL
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M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C(P,3,\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$R/"]T9#X@
M/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L
M.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;2<@8V]L<W!A;CTS1#<^*%!%4D-%3E1!1T53*3PO=&0^(#PO='(^(#QT
M<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!714E'
M2%1%1"!!5D5204=%($%34U5-4%1)3TY3.CQB<B`O/B`\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($1I<V-O
M=6YT(')A=&4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXT+C4P)3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#0N,#`\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@)3PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&
M5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@4V%L87)Y('-C86QE/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,BXU,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#(N-3`\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\9&EV('-T>6QE
M/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4
M+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I
M;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M
M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U19
M3$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P
M=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@
M4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A
M8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-34T/B`\='(^(#QT
M9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M
M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N
M/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D
M:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R
M/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM
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M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
M96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0Q,3Y914%2
M($5.1$5$($1%0T5-0D52(#,Q+#PO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([
M($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C(P,3(\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N
M=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$Q/"]T
M9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S
M<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R
M;6%L.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;2<@8V]L<W!A;CTS1#$Q/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U
M+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M($-/35!/3D5.5%,@3T8@3D54(%!%4DE/1$E#($)%3D5&250@0T]35#H\8G(@
M+SX@/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N
M8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!397)V:6-E
M(&-O<W0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#<P,SPO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q
M+#4Y,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`Q+#,S-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($EN=&5R97-T(&-O<W0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#$X.3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#$L,C,T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PQ.3@\+W1D/B`\=&0@<W1Y;&4]
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M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#$L-S<U*3PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^("@Q+#8U-CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`H
M,2PU.#(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)
M3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@06UO<G1I>F%T
M:6]N(&]F('!R:6]R('EE87(@<V5R=FEC92!C;W-T/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#$Y*3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^*#$Y/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^-SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B!!;6]R=&EZ871I;VX@;V8@=')A;G-I=&EO;B!A<W-E=#PO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@X
M*3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^*#$W/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^*#$W
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$
M)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$58
M5"U)3D1%3E0Z("TQ,'!T)SX@4F5C;V=N:7IE9"!N970@86-T=6%R:6%L(&QO
M<W,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXQ+#,W-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PP.30\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M(#@P,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($YE
M="!P97)I;V1I8R!P96YS:6]N(&-O<W0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXR+#0V-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#(R.3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#<T,3PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QD:78@<W1Y;&4],T0G
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M041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$
M24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG
M/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0U-30^(#QT<CX@/'1D/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@
M;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E
M<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#$Q/EE%05(@14Y$
M140@1$5#14U"15(@,S$L/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)
M1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&
M3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%
M24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$S/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,CPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([
M($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C(P,3$\+W1D/B`\
M+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#
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M=&]M)R!C;VQS<&%N/3-$,3$^*$E.(%1(3U5304Y$4RD\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T
M*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@3U1(
M15(@0TA!3D=%4R!)3B!03$%.($%34T544R!!3D0@0D5.149)5"!/0DQ)1T%4
M24].4R!214-/1TY)6D5$($E.($]42$52($-/35!214A%3E-)5D4@3$]34SQB
M<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($YE="`H
M9V%I;BD@;&]S<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@R+#@S,BD\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,BPS-S8\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,RPP.3`\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R
M9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!296-O9VYI>F5D(&QO<W,\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH,2PS-S4I/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@*#$L,#DT/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("@X,#`\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^(%)E8V]G;FEZ960@<')I;W(@<V5R=FEC92!C;W-T
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,3D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C$Y/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXH
M-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS
M1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^(%)E8V]G;FEZ960@;F5T(&EN:71I86P@87-S
M970\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT
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M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q-SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3<\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!4;W1A;"!R96-O
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M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N
M9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@T+#$X,"D\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
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M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,2PS,3@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
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M3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPS,#`\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^
M(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR
M,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,
M1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!4;W1A;"!R96-O9VYI
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M/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/B@Q+#<Q-2D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L
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M9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,RPU-#<\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-"PP-#$\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\<"!S='EL93TS
M1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@
M5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P
M="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'
M+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@
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M,#@U+#`P,"P@)"@Q.2PP,#`I+"!R97-P96-T:79E;'DN/"]P/B`\<"!S='EL
M93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P
M=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@
M,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$
M24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P
M=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!4:&4@=V5I9VAT960M879E<F%G92!A
M<W-U;7!T:6]N<R!U<V5D('1O(&1E=&5R;6EN92!N970@<&5R:6]D:6,@8F5N
M969I="!C;W-T(&9O<B!T:&4@>65A<G,@96YD960@1&5C96UB97(@,S$L(#(P
M,3,L(#(P,3(@86YD(#(P,3$@=V5R92!A<R!F;VQL;W=S.CPO<#X@/&1I=B!S
M='EL93TS1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G
M1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N
M+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&
M3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4
M+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0
M.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P
M<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L
M;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#4U-#X@/'1R
M/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE
M9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'
M3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,3$^
M645!4B!%3D1%1"!$14-%34)%4B`S,2P\+W1D/B`\+W1R/B`\='(^(#QT9"!S
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M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([
M($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C(P,3,\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N
M=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$R/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q
M,3PO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/
M3E0M4TE:13H@.'!T.R!&3TY4+5=%24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z
M(&YO<FUA;#L@5$585"U!3$E'3CH@8V5N=&5R.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VTG(&-O;'-P86X],T0Q,3XH4$520T5.5$%'15,I/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^(%=%24=(5$5$($%615)!1T4@05-354U05$E/3E,Z/&)R("\^(#PO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F
M;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C0N,#`E/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-"XW-3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`E/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`U+C(U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^("4\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($5X<&5C
M=&5D(')E='5R;B!O;B!P;&%N(&%S<V5T<SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C@N,#`\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`X+C`P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@."XP,#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B!2871E(&]F(&-O;7!E;G-A=&EO;B!I;F-R96%S93PO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(N-3`\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R+C4P/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BXU
M,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D
M:78^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'
M+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@
M,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@
M4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.
M1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^(%1H92!#;VUP86YY
M(&AA<R!A<W-U;65D(&%N(#@E(&QO;F<M=&5R;2!E>'!E8W1E9"!R971U<FX@
M;VX@<&QA;B!A<W-E=',N(%1H:7,@87-S=6UP=&EO;B!W87,@8F%S960@=7!O
M;B!T:&4@<&QA;B8C,SD[<R!H:7-T;W)I8V%L(&EN=F5S=&UE;G0@<&5R9F]R
M;6%N8V4@;W9E<B!A(&QO;F=E<BUT97)M('!E<FEO9"!O9B`Q-2!Y96%R<R!C
M;VUB:6YE9"!W:71H('1H92!P;&%N)B,S.3MS(&EN=F5S=&UE;G0@;V)J96-T
M:79E(&]F(&)A;&%N8V5D(&=R;W=T:"!A;F0@:6YC;VUE+B!!9&1I=&EO;F%L
M;'DL('1H:7,@87-S=6UP=&EO;B!A;'-O(&EN8V]R<&]R871E<R!A('1A<F=E
M=&5D(')A;F=E(&9O<B!E<75I='D@<V5C=7)I=&EE<R!O9B!A<'!R;WAI;6%T
M96QY(#8P)2!O9B!P;&%N(&%S<V5T<RX\+W`^(#QH-2!S='EL93TS1"=415A4
M+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!
M3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T
M(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z
M(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)
M3D1%3E0Z(#!P="<^(%!,04X@05-31513.CPO:#4^(#QP('-T>6QE/3-$)U1%
M6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4
M+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R
M<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&
M5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4
M+4E.1$5.5#H@,C!P>"<^(%1H92!P;&%N)B,S.3MS(&UE87-U<F5M96YT(&1A
M=&4@:7,@1&5C96UB97(@,S$L(#(P,3,N(%1H:7,@<&QA;B8C,SD[<R!A<W-E
M="!A;&QO8V%T:6]N<R!A="!$96-E;6)E<B`S,2P@,C`Q,R!A;F0@,C`Q,BP@
M8GD@87-S970@8V%T96=O<GD@87)E(&%S(&9O;&QO=W,Z/"]P/B`\9&EV('-T
M>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&
M3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL
M(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/
M3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M
M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z
M(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P
M=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL
M<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-34T/B`\='(^
M(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D
M:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS
M<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&
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M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N
M;W)M86PG(&-O;'-P86X],T0S/C(P,3,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$R/"]T9#X@/"]T<CX@/'1R/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE
M9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!#87-H(&%N9"!C87-H(&5Q=6EV86QE;G1S/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+24\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!415A4+4%,24=..B!L969T)SX@)3PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI
M=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($1O
M;65S=&EC(&5Q=6ET:65S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^,3`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C(R
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&
M5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@375T=6%L(&9U;F1S+T54
M1G,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXW.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^-C,\+W1D/B`\=&0@<W1Y
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/C(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-O<G!O<F%T92!B;VYD<SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
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M5$585"U)3D1%3E0Z("TQ,'!T)SX@5&]T86P\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,#`E/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@,3`P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^("4\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T
M86)L93X@/"]D:78^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE
M.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$
M24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N
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M/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S
M='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.
M97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ
M(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S
M<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$
M1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T
M<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@
M,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$
M-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S
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M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M
M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0W/EE%05(@14Y$140@1$5#14U"
M15(@,S$L/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M
M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(
M5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)R!C;VQS<&%N/3-$,SXR,#$S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z
M(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,CPO=&0^(#PO='(^(#QT<CX@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%
M24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@
M8V5N=&5R.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X]
M,T0W/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($QE=F5L(#$Z/&)R("\^(#PO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/
M3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,C!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@0V%S:"!A;F0@8V%S:"!E<75I=F%L96YT<SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#(P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^($1O;65S=&EC(&5Q=6ET:65S/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,BPW-#$\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`T+#<S,3PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H
M:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@4$%$1$E.1RU,1494.B`R,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!)
M;G1E<FYA=&EO;F%L(&5Q=6ET:65S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,2PT-S@\+W-T<F]N9SX\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/C,S-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0
M041$24Y'+4Q%1E0Z(#(P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($UU='5A
M;"!F=6YD<R]%5$9S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^,C`L-S0T/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M,3,L-38V/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($QE=F5L(#(Z/&)R("\^(#PO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!0041$24Y'+4Q%1E0Z(#(P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M($-O<G!O<F%T92!B;VYD<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$L,S(U/"]S=')O;F<^/"]T9#X@
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M9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G
M/B`R+#<S-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M(%1O=&%L(&9A:7(@=F%L=64@;V8@<&QA;B!A<W-E=',\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXR-BPR.#@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,C$L,S8X/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/'`@<W1Y;&4],T0G5$58
M5"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M
M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P
M="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494
M.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M
M24Y$14Y4.B`R,'!X)SX@0V%S:"!A;F0@8V%S:"!E<75I=F%L96YT<R!M87D@
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M(&%N>2!C;W)P;W)A=&4@8F]N9"!O<B!N;W1E+CPO<#X@/'`@<W1Y;&4],T0G
M5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%
M6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O
M,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,
M1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%
M6%0M24Y$14Y4.B`R,'!X)SX@5&AE(&EN=F5S=&UE;G0@<W1R871E9WD@;V)J
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M971W965N(#4P)2!A;F0@-C`E(&]F('1H92!P;&%N(&%S<V5T<RX@5&AI<R!M
M96%N<R!T:&%T(&9I>&5D(&EN8V]M92!A;F0@8V%S:"!I;G9E<W1M96YT<R!T
M>7!I8V%L;'D@87!P<F]X:6UA=&4@-#`E('1O(#4P)2!O9B!T:&4@<&QA;B!A
M<W-E=',N(%1H92!P;&%N(&ES(&%L<V\@86)L92!T;R!I;G9E<W0@:6X@05-2
M5B!C;VUM;VX@<W1O8VL@=7`@=&\@82!M87AI;75M(&QE=F5L(&]F(#$P)2!O
M9B!T:&4@;6%R:V5T('9A;'5E(&]F('1H92!P;&%N(&%S<V5T<R`H870@1&5C
M96UB97(@,S$L(#(P,3,L(#(N-"4@;V8@=&AE('!L86X@87-S971S('=E<F4@
M:6YV97-T960@:6X@05-25B!C;VUM;VX@<W1O8VLI+B!4:&ES(&%S<V5T(&UI
M>"!I<R!I;G1E;F1E9"!T;R!E;G-U<F4@=&AA="!T:&5R92!I<R!A('-T96%D
M>2!S=')E86T@;V8@8V%S:"!F<F]M(&UA='5R:6YG(&EN=F5S=&UE;G1S('1O
M(&9U;F0@8F5N969I="!P87EM96YT<RX\+W`^(#QH-2!S='EL93TS1"=415A4
M+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!
M3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T
M(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z
M(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)
M3D1%3E0Z(#!P="<^($-!4T@@1DQ/5U,Z/"]H-3X@/'`@<W1Y;&4],T0G5$58
M5"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M
M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P
M="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494
M.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M
M24Y$14Y4.B`R,'!X)SX@5&AE($-O;7!A;GD@<')E<V5N=&QY(&5X<&5C=',@
M=&AA="!T:&4@8V]N=')I8G5T:6]N('1O(&)E(&UA9&4@=&\@=&AE(%!L86X@
M:6X@,C`Q-"!W:6QL(&)E(&%P<')O>&EM871E;'D@)#(N,"!M:6QL:6]N+CPO
M<#X@/&@U('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'
M+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@
M,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@
M4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.
M1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!T)SX@15-424U!5$5$($95
M5%5212!"14Y%1DE4(%!!64U%3E13.CPO:#4^(#QP('-T>6QE/3-$)U1%6%0M
M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,
M24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@
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M15A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%
M.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@
M4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(
M5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N
M;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!
M1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)
M3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<]
M,T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&
M3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@;&5F=#L@3$E.12U(14E'
M2%0Z(&YO<FUA;"<^(%E%05(Z/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO
M<FUA;"<@8V]L<W!A;CTS1#,^15-424U!5$5$($955%5212!"14Y%1DE4(%!!
M64U%3E13/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M
M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%
M24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS1#,^*$E.(%1(3U5304Y$4RD\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI
M=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(#(P
M,30\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#(L-#0T/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@
M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@,C`Q-3PO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#(V.#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B`R,#$V/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#(L-S4R/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@
M<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!
M1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@,C`Q-SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#@P.3PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4
M+4E.1$5.5#H@+3$P<'0G/B`R,#$X/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#(L-#,P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P
M-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@665A<G,@,C`Q.29N8G-P.RTF;F)S<#LR,#(S/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$T+#(P,#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QH-2!S='EL
M93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P
M=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@
M,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$
M24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P
M=#L@5$585"U)3D1%3E0Z(#!P="<^(#0P,2AK*2!03$%..CPO:#4^(#QP('-T
M>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@
M,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4
M.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!
M1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@
M,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^(%1H92!#;VUP86YY(&UA:6YT86EN
M<R!A('%U86QI9FEE9"`T,#$H:RD@<&QA;B!T:&%T(&%L;&]W<R!F;W(@<&%R
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M;G5A<GD@,2P@,C`Q,RP@86YY(&YE=R!N;VXM=6YI;VX@96UP;&]Y965S(')E
M8V5I=F4@82`T)2!N;VXM96QE8W1I=F4@8V]N=')I8G5T:6]N(&%N9"!T:&5S
M92!E;7!L;WEE97,@;6%Y(&5L96-T('1O(&UA:V4@=F]L=6YT87)Y+"!P<F5T
M87@@8V]N=')I8G5T:6]N<R!T;R!T:&5I<B!A8V-O=6YT<R!W:&EC:"!T:&4@
M0V]M<&%N>2!W:6QL(&UA=&-H(&]N92!H86QF(&]N('1H92!F:7)S="`V)2!O
M9B!C;VYT<FEB=71I;VX@=7`@=&\@82!M87AI;75M(&]F(#,E+B!#;VYT<FEB
M=71I;VYS(&)Y('1H92!#;VUP86YY(&-H87)G960@=&\@;W!E<F%T:6]N<R!W
M97)E("0S,C<L,#`P(&%N9"`D,C<W+#`P,"!F;W(@=&AE('EE87)S(&5N9&5D
M($1E8V5M8F5R(#,Q+"`R,#$S(&%N9"`R,#$R+"!R97-P96-T:79E;'DN(%1H
M92!F86ER('9A;'5E(&]F('!L86X@87-S971S(&EN8VQU9&5S("0X,#(L,#`P
M('!E<G1A:6YI;F<@=&\@=&AE('9A;'5E(&]F('1H92!#;VUP86YY)B,S.3MS
M(&-O;6UO;B!S=&]C:R!A;F0@5')U<W0@4')E9F5R<F5D('-E8W5R:71I97,@
M=&AA="!A<F4@:&5L9"!B>2!T:&4@<&QA;B!A="!$96-E;6)E<B`S,2P@,C`Q
M,RX\+W`^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$
M24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/
M4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE
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M<RX\+W`^(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV/B`\+V1I=CX\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B
M;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V
M,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@
M9FEL93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ
M-F,O5V]R:W-H965T<R]3:&5E=#(S+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M
M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X
M="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D
M/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N
M=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS
M1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO
M=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-
M"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%344^#0H@("`@
M("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O
M=W-P86X],T0R/CQS=')O;F<^3$5!4T4@0T]-34E4345.5%,\8G(^/"]S=')O
M;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^
M,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T
M:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^3$5!4T4@
M0T]-34E4345.5%,@06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y,14%312!#3TU-251-14Y44SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SPA+2U$3T-465!%(&AT;6P@4%5"
M3$E#("(M+R]7,T,O+T141"!82%1-3"`Q+C`@5')A;G-I=&EO;F%L+R]%3B(@
M(FAT='`Z+R]W=W<N=S,N;W)G+U12+WAH=&UL,2]$5$0O>&AT;6PQ+71R86YS
M:71I;VYA;"YD=&0B("TM/CQD:78^(#QD:78@<W1Y;&4],T0G34E.+5=)1%1(
M.B`W,#AP>#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+5-T87)T1G)A9VUE
M;G0M+3X@/&@R('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$
M24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/
M4#H@-7!T.R!&3TY4.B!B;VQD(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL
M(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T
M.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'0G/B`Q-2XF
M;F)S<#LF;F)S<#M,14%312!#3TU-251-14Y44SPO:#(^(#QP('-T>6QE/3-$
M)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!4
M15A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T
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M=W,Z/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT
M86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4
M:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N
M;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.
M4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]4
M5$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F
M=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)
M3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.
M1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I
M9'1H/3-$-34T/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
M(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@645!4CH\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%
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M.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%
M24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@
M8V5N=&5R.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X]
M,T0S/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4
M+4E.1$5.5#H@+3$P<'0G/B`R,#$T/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/C<Q,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P
M-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(#(P
M,34\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXV.#(\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="
M04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$58
M5"U)3D1%3E0Z("TQ,'!T)SX@,C`Q-CPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/C8R-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^(#(P,3<\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SXU,3$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P
M=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@,C`Q.#PO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/C,V-CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G
M8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^(#(P,3D@86YD('1H97)E869T97(\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PY,S$\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\<"!S='EL93TS1"=4
M15A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$58
M5"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q
M,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%
M1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$58
M5"U)3D1%3E0Z(#(P<'@G/B!);B!A9&1I=&EO;B!T;R!T:&4@86UO=6YT<R!S
M970@9F]R=&@@86)O=F4L(&-E<G1A:6X@;V8@=&AE(&QE87-E<R!R97%U:7)E
M('!A>6UE;G1S(&)Y('1H92!#;VUP86YY(&9O<B!T87AE<RP@:6YS=7)A;F-E
M+"!A;F0@;6%I;G1E;F%N8V4N(%)E;G0@97AP96YS92!I;F-L=61E9"!I;B!T
M;W1A;"!N;VXM:6YT97)E<W0@97AP96YS92!A;6]U;G1E9"!T;R`D-S8T+#`P
M,"P@)#<X-2PP,#`@86YD("0V-C4L,#`P+"!I;B`R,#$S+"`R,#$R+"!A;F0@
M,C`Q,2P@<F5S<&5C=&EV96QY+CPO<#X@/"$M+45N9$9R86=M96YT+2T^/"]D
M:78^(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X
M=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#
M;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW
M.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T,C0N:'1M;`T*
M0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*
M0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*
M#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O
M;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M
M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N
M:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\
M+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I
M9#TS1$E$,$5-13X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY#3TU-251-14Y4
M4R!!3D0@0T].5$E.1T5.5"!,24%"24Q)5$E%4SQB<CX\+W-T<F]N9SX\+W1H
M/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,3XQ,B!-;VYT
M:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY#3TU-251-14Y44R!!
M3D0@0T].5$E.1T5.5"!,24%"24Q)5$E%4R!;06)S=')A8W1=/"]S=')O;F<^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#3TU-251-14Y4
M4R!!3D0@0T].5$E.1T5.5"!,24%"24Q)5$E%4SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SPA+2U$3T-465!%(&AT;6P@4%5"3$E#("(M+R]7
M,T,O+T141"!82%1-3"`Q+C`@5')A;G-I=&EO;F%L+R]%3B(@(FAT='`Z+R]W
M=W<N=S,N;W)G+U12+WAH=&UL,2]$5$0O>&AT;6PQ+71R86YS:71I;VYA;"YD
M=&0B("TM/CQD:78^(#QD:78@<W1Y;&4],T0G34E.+5=)1%1(.B`W,#AP>#L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+5-T87)T1G)A9VUE;G0M+3X@/&@R
M('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/
M33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@-7!T.R!&
M3TY4.B!B;VQD(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!3
M97)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'
M+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'0G/B`Q-BXF;F)S<#LF;F)S
M<#M#3TU-251-14Y44R!!3D0@0T].5$E.1T5.5"!,24%"24Q)5$E%4SPO:#(^
M(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/
M5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T
M.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R
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M;F0@9FEX960@87-S971S+CPO<#X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/
M4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE
M9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.
M97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!
M4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R
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M/"]P/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.
M1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z
M(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L
M(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)
M3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!4:&4@0V]M<&%N
M>28C,SD[<R!E>'!O<W5R92!T;R!C<F5D:70@;&]S<R!I;B!T:&4@979E;G0@
M;V8@;F]N<&5R9F]R;6%N8V4@8GD@=&AE(&]T:&5R('!A<G1Y('1O('1H97-E
M(&-O;6UI=&UE;G1S('1O(&5X=&5N9"!C<F5D:70@86YD('-T86YD8GD@;&5T
M=&5R<R!O9B!C<F5D:70@:7,@<F5P<F5S96YT960@8GD@=&AE:7(@8V]N=')A
M8W1U86P@86UO=6YT<RX@5&AE($-O;7!A;GD@=7-E<R!T:&4@<V%M92!C<F5D
M:70@86YD(&-O;&QA=&5R86P@<&]L:6-I97,@:6X@;6%K:6YG(&-O;6UI=&UE
M;G1S(&%N9"!C;VYD:71I;VYA;"!O8FQI9V%T:6]N<R!A<R!F;W(@86QL(&]T
M:&5R(&QE;F1I;F<N($%T($1E8V5M8F5R(#,Q+"`R,#$S+"!T:&4@0V]M<&%N
M>2!H860@=F%R:6]U<R!O=71S=&%N9&EN9R!C;VUM:71M96YT<R!T;R!E>'1E
M;F0@8W)E9&ET(&%P<')O>&EM871I;F<@)#$T-BPP,#@L,#`P(&%N9"!S=&%N
M9&)Y(&QE='1E<G,@;V8@8W)E9&ET(&]F("0Q,RPR,CDL,#`P+"!C;VUP87)E
M9"!T;R!C;VUM:71M96YT<R!T;R!E>'1E;F0@8W)E9&ET(&]F("0Q,S(L.#`T
M+#`P,"!A;F0@<W1A;F1B>2!L971T97)S(&]F(&-R961I="!O9B`D,3$L,S8U
M+#`P,"!A="!$96-E;6)E<B`S,2P@,C`Q,BX@4W1A;F1B>2!L971T97)S(&]F
M(&-R961I="!H860@=&5R;7,@<F%N9VEN9R!F<F]M(#$@=&\@,B!Y96%R<R!W
M:71H(&%N;G5A;"!E>'1E;G-I;VX@;W!T:6]N<R!A=F%I;&%B;&4N(%-T86YD
M8GD@;&5T=&5R<R!O9B!C<F5D:70@;V8@87!P<F]X:6UA=&5L>2`D,RXY(&UI
M;&QI;VX@=V5R92!S96-U<F5D(&%S(&]F($1E8V5M8F5R(#,Q+"`R,#$S(&%N
M9"!A<'!R;WAI;6%T96QY("0T+C(@;6EL;&EO;B!A="!$96-E;6)E<B`S,2P@
M,C`Q,BX@5&AE(&-A<G)Y:6YG(&%M;W5N="!O9B!T:&4@;&EA8FEL:71Y(&9O
M<B!!;65R:5-E<G8@;V)L:6=A=&EO;G,@<F5L871E9"!T;R!U;F9U;F1E9"!C
M;VUM:71M96YT<R!A;F0@<W1A;F1B>2!L971T97)S(&]F(&-R961I="!W87,@
M)#<W-BPP,#`@870@1&5C96UB97(@,S$L(#(P,3,@86YD("0V-#@L,#`P(&%T
M($1E8V5M8F5R(#,Q+"`R,#$R+CPO<#X@/'`@<W1Y;&4],T0G5$585"U44D%.
M4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE
M<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[
M($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4
M.B`R,'!X)SX@4'5R<W5A;G0@=&\@:71S(&)Y;&%W<RP@=&AE($-O;7!A;GD@
M<')O=FED97,@:6YD96UN:69I8V%T:6]N('1O(&ET<R!D:7)E8W1O<G,@86YD
M(&]F9FEC97)S(&%G86EN<W0@8V5R=&%I;B!L:6%B:6QI=&EE<R!I;F-U<G)E
M9"!A<R!A(')E<W5L="!O9B!T:&5I<B!S97)V:6-E(&]N(&)E:&%L9B!O9B!T
M:&4@0V]M<&%N>2X@26X@8V]N;F5C=&EO;B!W:71H('1H:7,@:6YD96UN:69I
M8V%T:6]N(&]B;&EG871I;VXL('1H92!#;VUP86YY(&-A;B!A9'9A;F-E(&]N
M(&)E:&%L9B!O9B!C;W9E<F5D(&EN9&EV:61U86QS(&-O<W1S(&EN8W5R<F5D
M(&EN(&1E9F5N9&EN9R!A9V%I;G-T(&-E<G1A:6X@8VQA:6US+B!!9&1I=&EO
M;F%L;'DL('1H92!#;VUP86YY(&ES(&%L<V\@<W5B:F5C="!T;R!A(&YU;6)E
M<B!O9B!A<W-E<G1E9"!A;F0@=6YA<W-E<G1E9"!P;W1E;G1I86P@8VQA:6US
M(&5N8V]U;G1E<F5D(&EN('1H92!N;W)M86P@8V]U<G-E(&]F(&)U<VEN97-S
M+B!);B!T:&4@;W!I;FEO;B!O9B!T:&4@0V]M<&%N>2P@;F5I=&AE<B!T:&4@
M<F5S;VQU=&EO;B!O9B!T:&5S92!C;&%I;7,@;F]R('1H92!F=6YD:6YG(&]F
M('1H97-E(&-R961I="!C;VUM:71M96YT<R!W:6QL(&AA=F4@82!M871E<FEA
M;"!A9'9E<G-E(&5F9F5C="!O;B!T:&4@0V]M<&%N>28C,SD[<R!C;VYS;VQI
M9&%T960@9FEN86YC:6%L('!O<VET:6]N+"!R97-U;'1S(&]F(&]P97)A=&EO
M;B!O<B!C87-H(&9L;W=S+CPO<#X@/"$M+45N9$9R86=M96YT+2T^/"]D:78^
M(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\
M+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A
M<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT
M96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y
M,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T,C4N:'1M;`T*0V]N
M=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N
M=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\
M:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E
M;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^
M/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^
M+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE
M860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS
M1$E$,$5-13X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@
M8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY04D5&15)2140@4U1/
M0TL\8G(^/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@
M8V]L<W!A;CTS1#$^,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L
M(#(P,3,\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS
M=')O;F<^4%)%1D524D5$(%-43T-+(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!2149%4E)%1"!35$]#
M2SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SPA+2U$3T-465!%
M(&AT;6P@4%5"3$E#("(M+R]7,T,O+T141"!82%1-3"`Q+C`@5')A;G-I=&EO
M;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N;W)G+U12+WAH=&UL,2]$5$0O>&AT
M;6PQ+71R86YS:71I;VYA;"YD=&0B("TM/CQD:78^(#QD:78@<W1Y;&4],T0G
M34E.+5=)1%1(.B`W,#AP>#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+5-T
M87)T1G)A9VUE;G0M+3X@/&@R('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N
M;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0
M041$24Y'+51/4#H@-7!T.R!&3TY4.B!B;VQD(#$P<'0O,3)P="!4:6UE<R!.
M97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!
M4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P
M<'0G/B`Q-RXF;F)S<#LF;F)S<#M04D5&15)2140@4U1/0TL\+V@R/B`\:#4@
M<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-
M.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/
M3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@
M4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4
M.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'0G/B!30DQ&.CPO:#4^(#QP('-T>6QE
M/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T
M.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q
M,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)
M3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T
M.R!415A4+4E.1$5.5#H@,C!P>"<^($]N($%U9W5S="`Q,2P@,C`Q,2P@<'5R
M<W5A;G0@=&\@=&AE(%-M86QL($)U<VEN97-S($QE;F1I;F<@1G5N9"`H4T),
M1BDL('1H92!#;VUP86YY(&ES<W5E9"!A;F0@<V]L9"!T;R!T:&4@55,@5')E
M87-U<GD@,C$L,#`P('-H87)E<R!O9B!I=',@4V5N:6]R($YO;BU#=6UU;&%T
M:79E(%!E<G!E='5A;"!0<F5F97)R960@4W1O8VLL(%-E<FEE<R!%("A397)I
M97,@12!0<F5F97)R960@4W1O8VLI(&9O<B!T:&4@86=G<F5G871E('!R;V-E
M961S(&]F("0R,2!M:6QL:6]N+B!4:&4@4T),1B!I<R!A('9O;'5N=&%R>2!P
M<F]G<F%M('-P;VYS;W)E9"!B>2!T:&4@55,@5')E87-U<GD@=&AA="!E;F-O
M=7)A9V5S('-M86QL(&)U<VEN97-S(&QE;F1I;F<@8GD@<')O=FED:6YG(&-A
M<&ET86P@=&\@<75A;&EF:65D(&-O;6UU;FET>2!B86YK<R!A="!F879O<F%B
M;&4@<F%T97,N(%1H92!I;FET:6%L(&EN=&5R97-T(')A=&4@;VX@=&AE(%-E
M<FEE<R!%(%!R969E<G)E9"!3=&]C:R!H87,@8F5E;B!I;FET:6%L;'D@<V5T
M(&%T(#4E('!E<B!A;FYU;2!A;F0@;6%Y(&)E(&1E8W)E87-E9"!T;R!A<R!L
M;W<@87,@,24@<&5R(&%N;G5M(&EF(&=R;W=T:"!T:')E<VAO;&1S(&%R92!M
M970@9F]R('%U86QI9FEE9"!O=71S=&%N9&EN9R!S;6%L;"!B=7-I;F5S<R!L
M;V%N<RX@5&AE($-O;7!A;GD@=7-E9"!T:&4@<')O8V5E9',@9G)O;2!T:&4@
M4V5R:65S($4@4')E9F5R<F5D(%-T;V-K(&ES<W5E9"!T;R!T:&4@55,@5')E
M87-U<GD@=&\@<F5P=7)C:&%S92!A;&P@,C$L,#`P('-H87)E<R!O9B!I=',@
M;W5T<W1A;F1I;F<@<')E9F5R<F5D('-H87)E<R!P<F5V:6]U<VQY(&ES<W5E
M9"!T;R!T:&4@55,@5')E87-U<GD@=6YD97(@=&AE(%1!4E`@0V%P:71A;"!0
M=7)C:&%S92!0<F]G<F%M+CPO<#X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/
M4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE
M9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.
M97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!
M4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R
M,'!X)SX@5&AE(%-E<FEE<R!%(%!R969E<G)E9"!3=&]C:R!H87,@86X@86=G
M<F5G871E(&QI<75I9&%T:6]N('!R969E<F5N8V4@;V8@87!P<F]X:6UA=&5L
M>2`D,C$@;6EL;&EO;B!A;F0@<75A;&EF:65S(&%S(%1I97(@,2!#87!I=&%L
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M;6%L;"!B=7-I;F5S<R!L96YD:6YG(B`H(E%30DPB*2!B>2!T:&4@0F%N:R!F
M<F]M(&ET<R!A=F5R86=E(&QE=F5L(&]F(%%30DP@870@96%C:"!O9B!T:&4@
M9F]U<B!Q=6%R=&5R(&5N9',@;&5A9&EN9R!U<"!T;R!*=6YE(#,P+"`R,#$P
M("AT:&4@(D)A<V5L:6YE(BD@87,@9F]L;&]W<SH\+W`^(#QD:78@<W1Y;&4]
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M041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$
M24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG
M/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0S.#0^(#QT<CX@/'1D/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&]P)SX@/'1D('-T>6QE/3-$)T9/
M3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O
M;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@
M8V]L<W!A;CTS1#,^1$E6241%3D0@4$5224]$($%.3E5!3$E:140\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<@<F]W<W!A;CTS1#(^/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@
M3$E.12U(14E'2%0Z(&YO<FUA;"<@<F]W<W!A;CTS1#(^04Y.54%,25I%1#QB
M<B`O/B!$259)1$5.1"!2051%/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T;W`G/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!
M3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@0D5'24Y.24Y'
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)SX@14Y$24Y'/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T;W`G/B`\=&0@<W1Y;&4],T0G5$585"U!
M3$E'3CH@8V5N=&5R)SY!=6=U<W0@,3$L(#(P,3$\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=4
M15A4+4%,24=..B!C96YT97(G/D1E8V5M8F5R(#,Q+"`R,#$Q/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5$585"U!3$E'3CH@8V5N=&5R)SXU+C`E/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T;W`G/B`\=&0@<W1Y;&4],T0G
M5$585"U!3$E'3CH@8V5N=&5R)SY*86YU87)Y(#$L(#(P,3(\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=415A4+4%,24=..B!C96YT97(G/D1E8V5M8F5R(#,Q+"`R,#$S/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5$585"U!3$E'3CH@8V5N=&5R)SXQ+C`E('1O(#4N,"4\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1O<"<^
M(#QT9"!S='EL93TS1"=415A4+4%,24=..B!C96YT97(G/DIA;G5A<GD@,2P@
M,C`Q-#PO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^1F5B<G5A
M<GD@-RP@,C`Q-CPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I
M=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^
M,2XP)2!T;R`W+C`E/'-U<#XH,2D\+W-U<#X\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1O<"<^(#QT9"!S='EL93TS1"=415A4
M+4%,24=..B!C96YT97(G/D9E8G)U87)Y(#@L(#(P,38\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=415A4+4%,24=..B!C96YT97(G/E)E9&5M<'1I;VX\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=415A4+4%,24=..B!C96YT97(G/CDN,"4\<W5P/B@R*3PO<W5P/CPO=&0^
M(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\=&%B;&4@<W1Y;&4],T0G5$585"U4
M4D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)
M1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4
M:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`P
M<'0[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$
M14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED
M=&@],T0Q,#`E/B`\='(@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!615)4
M24-!3"U!3$E'3CH@=&]P.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!&3TY4+5-4
M64Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B`Q
M,G!T)SX@/'1D('-T>6QE/3-$)U=)1%1(.B`Q<'@G/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@,C!P>#L@5$585"U!3$E'3CH@;&5F="<^*#$I
M/"]T9#X@/'1D('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&QE9G0G/D)E='=E96X@
M2F%N=6%R>2`Q+"`R,#$T(&%N9"!&96)R=6%R>2`W+"`R,#$V+"!T:&4@9&EV
M:61E;F0@<F%T92!W:6QL(&)E(&9I>&5D(&%T(&$@<F%T92!I;B!S=6-H(')A
M;F=E(&)A<V5D('5P;VX@=&AE(&QE=F5L(&]F('!E<F-E;G1A9V4@8VAA;F=E
M(&EN(%%30DP@8F5T=V5E;B!397!T96UB97(@,S`L(#(P,3,@86YD('1H92!"
M87-E;&EN92X\+W1D/B`\+W1R/B`\+W1A8FQE/B`\=&%B;&4@<W1Y;&4],T0G
M5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%
M6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O
M,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,
M1494.B`P<'0[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%
M6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS
M1#`@=VED=&@],T0Q,#`E/B`\='(@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T
M.R!615)424-!3"U!3$E'3CH@=&]P.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!&
M3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)
M1TA4.B`Q,G!T)SX@/'1D('-T>6QE/3-$)U=)1%1(.B`Q<'@G/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@,C!P>#L@5$585"U!3$E'3CH@;&5F
M="<^*#(I/"]T9#X@/'1D('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&QE9G0G/D)E
M9VEN;FEN9R!O;B!&96)R=6%R>2`X+"`R,#$V+"!T:&4@9&EV:61E;F0@<F%T
M92!W:6QL(&)E(&9I>&5D(&%T(&YI;F4@<&5R8V5N="`H.24I('!E<B!A;FYU
M;2X\+W1D/B`\+W1R/B`\+W1A8FQE/B`\<"!S='EL93TS1"=415A4+51204Y3
M1D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@
M;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S
M($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@
M34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z
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M=6ED871I;VX@=F%L=64N($%S(&]F(%-E<'1E;6)E<B`S,"P@,C`Q,RP@=&AE
M($-O;7!A;GD@:&%D(&EN8W)E87-E9"!I=',@45-"3"!T;R!A(&QE=F5L('1H
M870@<F5D=6-E9"!T:&4@9&EV:61E;F0@<F%T92!T;R`Q)2X@06-C;W)D:6YG
M;'DL('1H:7,@,24@<F%T92!W:6QL(&-O;G1I;G5E('1H<F]U9V@@1F5B<G5A
M<GD@-RP@,C`Q-BX\+W`^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N
M;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0
M041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O
M;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ
M(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^
M($%S(&QO;F<@87,@<VAA<F5S(&]F(%-E<FEE<R!%(%!R969E<G)E9"!3=&]C
M:R!R96UA:6X@;W5T<W1A;F1I;F<L('=E(&UA>2!N;W0@<&%Y(&1I=FED96YD
M<R!T;R!O=7(@8V]M;6]N('-H87)E:&]L9&5R<R`H;F]R(&UA>2!W92!R97!U
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M=&%L(&%S(&]F($IU;F4@,S`L(#(P,3$L(&5X8VQU9&EN9R!A;GD@8VAA<F=E
M+6]F9G,@86YD(')E9&5M<'1I;VYS(&]F('1H92!397)I97,@12!0<F5F97)R
M960@4W1O8VL@*'1H92`B5&EE<B`Q($1I=FED96YD(%1H<F5S:&]L9"(I+B!4
M:&4@5&EE<B`Q($1I=FED96YD(%1H<F5S:&]L9"!I<R!S=6)J96-T('1O(')E
M9'5C=&EO;BP@8F5G:6YN:6YG($IA;G5A<GD@,2P@,C`Q-"P@8F%S960@=7!O
M;B!T:&4@97AT96YT(&)Y('=H:6-H+"!I9B!A="!A;&PL('1H92!14T),(&%T
M(%-E<'1E;6)E<B`S,"P@,C`Q,R!H87,@:6YC<F5A<V5D(&]V97(@=&AE($)A
M<V5L:6YE+CPO<#X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[
M(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)
M3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL
M(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T
M.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@5V4@
M;6%Y(')E9&5E;2!T:&4@4V5R:65S($4@4')E9F5R<F5D(%-T;V-K(&%T(&%N
M>2!T:6UE(&%T(&]U<B!O<'1I;VXL(&%T(&$@<F5D96UP=&EO;B!P<FEC92!O
M9B`Q,#`E(&]F('1H92!L:7%U:61A=&EO;B!A;6]U;G0@<&QU<R!A8V-R=65D
M(&)U="!U;G!A:60@9&EV:61E;F1S+"!S=6)J96-T('1O('1H92!A<'!R;W9A
M;"!O9B!O=7(@9F5D97)A;"!B86YK:6YG(')E9W5L871O<BX\+W`^(#PA+2U%
M;F1&<F%G;65N="TM/CPO9&EV/B`\+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL
M/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X
M7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X
M,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H965T
M<R]3:&5E=#(V+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U
M;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R
M<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!
M(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT
M;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C
M<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM
M96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@
M8VQA<W,],T1R97!O<G0@:60],T1)1#!%344^#0H@("`@("`\='(^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS
M=')O;F<^4U1/0TL@0T]-4$5.4T%424].(%!,04Y3/&)R/CPO<W1R;VYG/CPO
M=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/C$R($UO
M;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E-43T-+($-/35!%
M3E-!5$E/3B!03$%.4R!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y35$]#2R!#3TU014Y3051)3TX@4$Q!
M3E,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\(2TM1$]#5%E0
M12!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@,2XP(%1R86YS:71I
M;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X:'1M;#$O1%1$+WAH
M=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\9&EV('-T>6QE/3-$
M)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2U3
M=&%R=$9R86=M96YT+2T^(#QH,B!S='EL93TS1"=415A4+51204Y31D]233H@
M;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@
M4$%$1$E.1RU43U`Z(#5P=#L@1D].5#H@8F]L9"`Q,'!T+S$R<'0@5&EM97,@
M3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-
M05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@
M,'!T)SX@,3@N)FYB<W`[)FYB<W`[4U1/0TL@0T]-4$5.4T%424].(%!,04Y3
M/"]H,CX@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)
M3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0
M.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S
M+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$
M24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@5&AE($-O;7!A
M;GD@=7-E<R!T:&4@;6]D:69I960@<&5R<W!E8W1I=F4@;65T:&]D(&9O<B!A
M8V-O=6YT:6YG(&9O<B!S=&]C:RUB87-E9"!C;VUP96YS871I;VX@86YD(')E
M8V]G;FEZ960@)#@R+#`P,"!O9B!P<F5T87@@8V]M<&5N<V%T:6]N(&5X<&5N
M<V4@9F]R('1H92!Y96%R(#(P,3,L("0S."PP,#`@:6X@,C`Q,B!A;F0@)#$U
M+#`P,"!I;B`R,#$Q+CPO<#X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ
M(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[
M(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@
M4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)
M3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X
M)SX@1'5R:6YG(#(P,3$L('1H92!#;VUP86YY)B,S.3MS($)O87)D(&]F($1I
M<F5C=&]R<R!A9&]P=&5D+"!A;F0@:71S('-H87)E:&]L9&5R<R!A<'!R;W9E
M9"P@=&AE($%M97)I4V5R=B!&:6YA;F-I86PL($EN8RX@,C`Q,2!3=&]C:R!)
M;F-E;G1I=F4@4&QA;B`H=&AE(%!L86XI(&%U=&AO<FEZ:6YG('1H92!G<F%N
M="!O9B!O<'1I;VYS(&]R(')E<W1R:6-T960@<W1O8VL@8V]V97)I;F<@.#`P
M+#`P,"!S:&%R97,@;V8@8V]M;6]N('-T;V-K+B!4:&ES(%!L86X@<F5P;&%C
M960@=&AE(&5X<&ER960@,C`P,2!3=&]C:R!/<'1I;VX@4&QA;BX@56YD97(@
M=&AE(%!L86XL(&]P=&EO;G,@;W(@<F5S=')I8W1E9"!S=&]C:R!C86X@8F4@
M9W)A;G1E9"`H=&AE($=R86YT($1A=&4I('1O(&1I<F5C=&]R<RP@;V9F:6-E
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M86X@,3`P)2!O9B!T:&4@9F%I<B!M87)K970@=F%L=64@<&5R('-H87)E(&]F
M(&-O;6UO;B!S=&]C:R!O;B!T:&4@1W)A;G0@1&%T92X@5&AE(&UA>&EM=6T@
M=&5R;2!O9B!A;GD@;W!T:6]N(&=R86YT960@=6YD97(@=&AE(%!L86X@8V%N
M;F]T(&5X8V5E9"`Q,"!Y96%R<RX@1V5N97)A;&QY+"!O<'1I;VYS('9E<W0@
M;W9E<B!A('1H<F5E('EE87(@<&5R:6]D(&%N9"!B96-O;64@97AE<F-I<V%B
M;&4@:6X@97%U86P@:6YS=&%L;&UE;G1S(&]V97(@=&AE('9E<W1I;F<@<&5R
M:6]D+B!!="!T:6UE<RP@;W!T:6]N<R!W:71H(&$@;VYE('EE87(@=F5S=&EN
M9R!P97)I;V0@;6%Y(&%L<V\@8F4@:7-S=65D+CPO<#X@/'`@<W1Y;&4],T0G
M5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%
M6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O
M,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,
M1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%
M6%0M24Y$14Y4.B`R,'!X)SX@02!S=6UM87)Y(&]F('1H92!S=&%T=7,@;V8@
M=&AE($-O;7!A;GDF(S,Y.W,@4W1O8VL@26YC96YT:79E(%!L86X@870@1&5C
M96UB97(@,S$L(#(P,3,L(#(P,3(L(&%N9"`R,#$Q+"!A;F0@8VAA;F=E<R!D
M=7)I;F<@=&AE('EE87)S('1H96X@96YD960@:7,@<')E<V5N=&5D(&EN('1H
M92!T86)L92!A;F0@;F%R<F%T:79E(&9O;&QO=VEN9SH\+W`^(#QD:78@<W1Y
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M,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T
M.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS
M<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0V,#@^(#QT<CX@
M/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I
M=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P
M86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M
M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O
M;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'
M2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#(S/EE%05(@14Y$140@1$5#14U"15(@
M,S$\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
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M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG
M(&-O;'-P86X],T0W/C(P,3,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(
M5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)R!C;VQS<&%N/3-$-SXR,#$R/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z
M(&YO<FUA;"<@8V]L<W!A;CTS1#<^,C`Q,3PO=&0^(#PO='(^(#QT<CX@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E
M<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^4TA!4D53/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
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M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
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M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([
M($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E=%24=(5$5$($%6
M15)!1T4@15A%4D-)4T4@4%))0T4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$,SY32$%215,\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&
M3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%
M24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY714E'2%1%1"!!5D5204=%($58
M15)#25-%(%!224-%/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^($]U='-T86YD:6YG(&%T(&)E9VEN;FEN
M9R!O9B!Y96%R/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,SDX+#,W,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^,BXT,SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#,Q,RPV,3(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@,RXP,CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#(U-RPR.#<\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,RXQ.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,
M1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!'<F%N=&5D/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3`R
M+#0T-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,RXQ.3PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#$V-"PR-#$\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R+C<S
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@-3@L-3<U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BXR-3PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($5X97)C:7-E9#PO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@S+#0V-RD\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$N.#$\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`H,2PU,#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!4
M15A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2XW,#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^("@W-3`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,
M24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2XW,#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($9O<F9E
M:71E9#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/B@Q,"PP,#`I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
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M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C0N,C4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!R:6=H="<^("@W-RPY.#(\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`U+C0W/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG
M:'0G/B`H,2PU,#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@<FEG:'0G/B`Q+C<P/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494
M.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!/=71S=&%N9&EN9R!A="!E
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M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0X-RPS-#D\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
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M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C(N-34\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`S.3@L,S<Q
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,BXT,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#,Q,RPV,3(\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G
M/B`S+C`R/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^($5X97)C:7-A8FQE(&%T(&5N9"!O9B!Y96%R/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,C4W
M+#(U,SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,BXR-3PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#$V-RPV,C0\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R+C(Y
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,3<Y+#@W-#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#,N.#$\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+
M1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C`N.#,\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M,"XX,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`P+C4Q
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I
M=CX@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M
M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S
M<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!3
M97)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'
M+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@02!T;W1A;"!O9B`R
M-3<L,C4S(&]F('1H92`T.#<L,S0Y(&]P=&EO;G,@;W5T<W1A;F1I;F<@870@
M1&5C96UB97(@,S$L(#(P,3,L(&%R92!E>&5R8VES86)L92!A;F0@:&%V92!E
M>&5R8VES92!P<FEC97,@8F5T=V5E;B`D,2XU,R!A;F0@)#4N-S4L('=I=&@@
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M<F%G92!E>&5R8VES92!P<FEC92!O9B`D,BXY,"!A;F0@82!W96EG:'1E9"!A
M=F5R86=E(')E;6%I;FEN9R!C;VYT<F%C='5A;"!L:69E(&]F(#@N.#`@>65A
M<G,N(%1H92!F86ER('9A;'5E(&]F(&5A8V@@;W!T:6]N(&=R86YT(&ES(&5S
M=&EM871E9"!O;B!T:&4@9&%T92!O9B!G<F%N="!U<VEN9R!T:&4@0FQA8VLM
M4V-H;VQE<R!O<'1I;VX@<')I8VEN9R!M;V1E;"!W:71H('1H92!F;VQL;W=I
M;F<@87-S=6UP=&EO;G,@=7-E9"!F;W(@9W)A;G1S(&EN(#(P,3,L(#(P,3(L
M(&%N9"`R,#$Q+CPO<#X@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT
M97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!
M34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%2
M24%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$
M24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)
M1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T
M.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@
M5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG
M/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A
M;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE
M9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)
M1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$,3$^645!4B!%3D1%1"!$14-%34)%4B`S,3PO
M=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B!"3$%#2RU30TA/3$53($%3
M4U5-4%1)3TX@4D%.1T53/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA
M;"<@8V]L<W!A;CTS1#,^,C`Q,SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N
M;W)M86PG(&-O;'-P86X],T0S/C(P,3(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$Q/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/'-T<F]N9SXQ+C@R)FYB<W`[+29N8G-P.S(N,#,E/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#$N-C8F;F)S<#LM)FYB<W`[,BXR."4\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@,BXQ.29N8G-P.RTF;F)S<#LS+C8R)3PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G
M8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^($5X<&5C=&5D(&QI=F5S(&EN('EE87)S/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3`\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/C$P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ,#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B!%>'!E8W1E9"!V;VQA=&EL:71Y/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\<W1R;VYG/C,P+C`V)FYB<W`[+29N
M8G-P.S,R+C,R)3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`S,RXR-B9N8G-P
M.RTF;F)S<#LS-2XW-R4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@,S4N,#,F;F)S<#LM)FYB
M<W`[,S4N,C4E/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@
M<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C$N,S`E/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SXP)3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^,"4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I
M=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT
M4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O
M;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X
M7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970R-RYH=&UL#0I#
M;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#
M;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-
M"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N
M=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX
M)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ
M<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO
M:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED
M/3-$240P14U%/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T
M;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/D%#0U5-54Q!5$5$
M($]42$52($-/35!214A%3E-)5D4@3$]34SQB<CX\+W-T<F]N9SX\+W1H/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,3XQ,B!-;VYT:',@
M16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!0T-5355,051%1"!/5$A%
M4B!#3TU04D5(14Y3259%($E.0T]-12`H3$]34RD@6T%B<W1R86-T73PO<W1R
M;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^04-#54U5
M3$%4140@3U1(15(@0T]-4%)%2$5.4TE612!,3U-3/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/0U194$4@:'1M;"!054),24,@(BTO
M+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO
M+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L
M+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\
M:#(@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]4
M5$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`U<'0[
M($9/3E0Z(&)O;&0@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L
M(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)
M3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^(#$Y+B9N8G-P.R9N
M8G-P.T%#0U5-54Q!5$5$($]42$52($-/35!214A%3E-)5D4@3$]34SPO:#(^
M(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/
M5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T
M.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R
M:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU2
M24=(5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^(%1H92!F;VQL;W=I;F<@
M=&%B;&4@<')E<V5N=',@=&AE(&-H86YG97,@:6X@96%C:"!C;VUP;VYE;G0@
M;V8@86-C=6UU;&%T960@;W1H97(@8V]M<')E:&5N<VEV92!L;W-S+"!N970@
M;V8@=&%X+"!F;W(@=&AE('!E<FEO9"!E;F1E9"!$96-E;6)E<B`S,2P@,C`Q
M,R`H:6X@=&AO=7-A;F1S*3H\+W`^(#QD:78@<W1Y;&4],T0G5$585"U!3$E'
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M1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4
M.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL
M<&%D9&EN9STS1#`@=VED=&@],T0U-30^(#QT<CX@/'1D/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
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M<#XH,2D\+W-U<#X\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L
M9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C
M;VQS<&%N/3-$,SY$969I;F5D($)E;F5F:70@4&5N<VEO;B!)=&5M<SQS=7`^
M*#$I/"]S=7`^/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L
M<W!A;CTS1#,^5&]T86P\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P
M=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0F%L86YC92!A="!*86YU87)Y(#$L
M(#(P,3,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#0L,30Q
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^("@Y+#4R,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#4L,S<Y/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`R,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B!/=&AE<B!C;VUP<F5H96YS:79E(&EN8V]M92`H;&]S<RD@8F5F
M;W)E(')E8VQA<W-I9FEC871I;VYS/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^("@R+#DV,SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#$V,3PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^("@X,#(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.
M1RU,1494.B`R,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!!;6]U;G1S(')E
M8VQA<W-I9FEE9"!F<F]M(&%C8W5M=6QA=&5D(&]T:&5R(&-O;7!R96AE;G-I
M=F4@;&]S<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M<FEG:'0G/B`H,3,U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@*3PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
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M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`S,#8\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z
M(#(P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($YE="!C=7)R96YT('!E<FEO
M9"!O=&AE<B!C;VUP<F5H96YS:79E(&EN8V]M92`H;&]S<RD\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#,L,#DX/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,BPV,#(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!R:6=H="<^("@T.38\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494
M.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!"86QA;F-E(&%T($1E8V5M
M8F5R(#,Q+"`R,#$S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@<FEG:'0G/B`Q+#`T,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@<FEG:'0G/B`H-BPY,3@\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^("@U+#@W-3PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\=&%B;&4@<W1Y
M;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S
M<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z
M(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$
M1$E.1RU,1494.B`P<'0[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P
M<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D
M9&EN9STS1#`@=VED=&@],T0Q,#`E/B`\='(@<W1Y;&4],T0G1D].5"U325I%
M.B`Q,'!T.R!615)424-!3"U!3$E'3CH@=&]P.R!&3TY4+5=%24=(5#H@;F]R
M;6%L.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)
M3D4M2$5)1TA4.B`Q,G!T)SX@/'1D('-T>6QE/3-$)U=)1%1(.B`Q<'@G/B9N
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M.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W
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M96YD960@1&5C96UB97(@,S$L(#(P,3,@*&EN('1H;W5S86YD<RDZ/"]P/B`\
M9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL
M93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@
M4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO
M;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[
M($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.
M1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@
M,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X
M)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-3<P
M/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL
M93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)
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M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0S/D%F9F5C=&5D(&QI;F4@:71E;2!I;B!T:&4\8G(@+SX@<W1A=&5M
M96YT(&]F(&]P97)A=&EO;G,\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@
M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@56YR96%L:7IE9"!G86EN<R!A
M;F0@;&]S<V5S(&]N('-A;&4@;V8@<V5C=7)I=&EE<SQB<B`O/B`\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M
M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`H,C`T
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B!.970@<F5A;&EZ960@9V%I;G,@;VX@:6YV97-T;65N="!S96-U
M<FET:65S($%&4SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@
M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@)FYB<W`[)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("@R,#0\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&QE9G0G/E1O=&%L(&)E9F]R92!T87@\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B`F;F)S<#LF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-CD\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L
M969T)SX@4')O=FES:6]N(&9O<B!I;F-O;64@=&%X(&5X<&5N<V4\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G
M8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@)FYB
M<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!R:6=H="<^("@Q,S4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^($YE="!O9B!T87@\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!!;6]R=&EZ
M871I;VX@;V8@9&5F:6YE9"!B96YE9FET(&ET96US/'-U<#XH,BD\+W-U<#X\
M8G(@+SX@/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R
M,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#(P<'0[(%1%6%0M24Y$14Y4.B`M
M,3!P="<^($5S=&EM871E9"!N970@;&]S<SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/C8X,SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SY386QA<FEE<R!A
M;F0@96UP;&]Y964@8F5N969I=',\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M<V5R=FEC92!C;W-T/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^*#$P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SY386QA<FEE<R!A;F0@96UP;&]Y964@
M8F5N969I=',\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S
M='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#(P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1R86YS:71I;VX@87-S970\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#0\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(%-A;&%R:65S(&%N9"!E;7!L;WEE92!B96YE9FET<SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI
M=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^("9N
M8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/C8V.3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SY4;W1A;"!B969O<F4@=&%X/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#(R.#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@4')O=FES:6]N(&9O
M<B!I;F-O;64@=&%X(&5X<&5N<V4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`T-#$\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@3F5T(&]F('1A
M>#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P
M="!D;W5B;&4[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@5&]T86P@<F5C;&%S<VEF:6-A=&EO;G,@9F]R('1H92!P97)I;V0\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#,P
M-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@3F5T(&]F('1A>#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T
M86)L93X@/"]D:78^(#QT86)L92!S='EL93TS1"=415A4+51204Y31D]233H@
M;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@
M4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2
M;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE.
M.B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@
M8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#$P,"4^
M(#QT<B!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[(%9%4E1)0T%,+4%,24=.
M.B!T;W`[($9/3E0M5T5)1TA4.B!N;W)M86P[($9/3E0M4U193$4Z(&YO<FUA
M;#L@5$585"U!3$E'3CH@;&5F=#L@3$E.12U(14E'2%0Z(#$R<'0G/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#%P>"<^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`R,'!X.R!415A4+4%,24=..B!L969T)SXH,2D\+W1D/B`\=&0@
M<W1Y;&4],T0G5$585"U!3$E'3CH@;&5F="<^06UO=6YT<R!I;B!P87)E;G1H
M97-E<R!I;F1I8V%T92!C<F5D:71S+CPO=&0^(#PO='(^(#PO=&%B;&4^(#QT
M86)L92!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"
M3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P
M=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E
M<FEF.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`P<'0[(%!!1$1)3D<M
M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P
M(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#$P,"4^(#QT<B!S='EL93TS1"=&
M3TY4+5-)6D4Z(#$P<'0[(%9%4E1)0T%,+4%,24=..B!T;W`[($9/3E0M5T5)
M1TA4.B!N;W)M86P[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@
M;&5F=#L@3$E.12U(14E'2%0Z(#$R<'0G/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#%P>"<^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`R,'!X.R!4
M15A4+4%,24=..B!L969T)SXH,BD\+W1D/B`\=&0@<W1Y;&4],T0G5$585"U!
M3$E'3CH@;&5F="<^5&AE<V4@86-C=6UU;&%T960@;W1H97(@8V]M<')E:&5N
M<VEV92!L;W-S(&-O;7!O;F5N=',@87)E(&EN8VQU9&5D(&EN('1H92!C;VUP
M=71A=&EO;B!O9B!N970@<&5R:6]D:6,@8F5N969I="!C;W-T("AS964@3F]T
M92`Q-"!F;W(@861D:71I;VYA;"!D971A:6QS*2X\+W1D/B`\+W1R/B`\+W1A
M8FQE/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D
M>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P
M7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I
M;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C
M+U=O<FMS:&5E=',O4VAE970R."YH=&UL#0I#;VYT96YT+51R86YS9F5R+45N
M8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O
M:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-
M"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0]
M,T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T
M97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E
M(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@
M("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P14U%/@T*("`@("`@
M/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S
M<&%N/3-$,CX\<W1R;VYG/DE.5$%.1TE"3$4@05-31513/&)R/CPO<W1R;VYG
M/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/C$R
M($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/DE.5$%.1TE"
M3$4@05-31513(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/DE.5$%.1TE"3$4@05-31513/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/0U194$4@:'1M;"!054),
M24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B
M:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I
M=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z
M(#<P.'!X.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM4W1A<G1&<F%G;65N
M="TM/B`\:#(@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)
M3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0
M.B`U<'0[($9/3E0Z(&)O;&0@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@
M5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[
M(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^(#(P+B9N
M8G-P.R9N8G-P.TE.5$%.1TE"3$4@05-31513/"]H,CX@/'`@<W1Y;&4],T0G
M5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%
M6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O
M,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,
M1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%
M6%0M24Y$14Y4.B`R,'!X)SX@5&AE($-O;7!A;GDF(S,Y.W,@0V]N<V]L:61A
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M($-H97-T97(@0V%P:71A;"!!9'9I<V]R<R`H5T-#02D@86-Q=6ES:71I;VX@
M=VAI8V@@:7,@:6YC;'5D960@:6X@=&AE('1R=7-T('-E9VUE;G0N($=O;V1W
M:6QL(&EN(&)O=&@@;V8@=&AE<V4@<V5G;65N=',@=V%S(&5V86QU871E9"!F
M;W(@:6UP86ER;65N="!O;B!I=',@86YN=6%L(&EM<&%I<FUE;G0@979A;'5A
M=&EO;B!D871E+B!$=7)I;F<@=&AE(&9I<G-T('%U87)T97(@;V8@,C`Q,2P@
M=&AE($-O;7!A;GD@9&ED(')E9'5C92!T:&4@9V]O9'=I;&P@86QL;V-A=&5D
M('1O(%=E<W0@0VAE<W1E<B!#87!I=&%L($%D=FES;W)S(&)Y("0S,S<L,#`P
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M8F%L86YC92!A="!$96-E;6)E<B`S,2P@,C`Q,R!A;F0@,C`Q,B!W87,@)#$R
M+C8@;6EL;&EO;BX\+W`^(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV/B`\+V1I
M=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L
M93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R
M,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,
M;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W
M-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E=#(Y+FAT;6P-"D-O;G1E;G0M
M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M
M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^
M#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y
M<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I
M<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O
M($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*
M("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%
M344^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P
M86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^1$52259!5$E612!(141'24Y'
M($E.4U1254U%3E13/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1H(&-O;'-P86X],T0Q/C$R($UO;G1H<R!%;F1E9#PO=&@^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T
M:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#X\<W1R;VYG/D1%4DE6051)5D4@2$5$1TE.1R!)3E-44E5-14Y4
M4R!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y$15))5D%4259%($A%1$=)3D<@24Y35%)5345.5%,\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\(2TM1$]#5%E012!H=&UL
M(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@,2XP(%1R86YS:71I;VYA;"\O
M14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X:'1M;#$O1%1$+WAH=&UL,2UT
M<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\9&EV('-T>6QE/3-$)TU)3BU7
M24142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2U3=&%R=$9R
M86=M96YT+2T^(#QH,B!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@
M4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.
M1RU43U`Z(#5P=#L@1D].5#H@8F]L9"`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O
M;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ
M(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!T)SX@
M,C$N)FYB<W`[)FYB<W`[1$52259!5$E612!(141'24Y'($E.4U1254U%3E13
M/"]H,CX@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)
M3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0
M.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S
M+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$
M24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@5&AE($-O;7!A
M;GD@8V%N('5S92!V87)I;W5S(&EN=&5R97-T(')A=&4@8V]N=')A8W1S+"!S
M=6-H(&%S(&EN=&5R97-T(')A=&4@<W=A<',L(&-A<',L(&9L;V]R<R!A;F0@
M<W=A<'1I;VYS('1O(&AE;'`@;6%N86=E(&EN=&5R97-T(')A=&4@86YD(&UA
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M<#X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M
M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S
M<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!3
M97)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'
M+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@5&\@86-C;VUM;V1A
M=&4@82!C=7-T;VUE<B!N965D(&%N9"!S=7!P;W)T('1H92!#;VUP86YY)B,S
M.3MS(&%S<V5T+VQI86)I;&ET>2!P;W-I=&EO;FEN9RP@=V4@96YT97)E9"!I
M;G1O(&%N(&EN=&5R97-T(')A=&4@<W=A<"!W:71H('1H92!C=7-T;VUE<B!A
M;F0@4&ET='-B=7)G:"!.871I;VYA;"!"86YK("A03D,I(&EN('1H92!F;W5R
M=&@@<75A<G1E<B!O9B`R,#`X+B!4:&ES(&%R<F%N9V5M96YT(&EN=F]L=F5D
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M<&%N>28C,SD[<R!R97-U;'1S(&]F(&]P97)A=&EO;G,N/"]P/B`\<"!S='EL
M93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P
M=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@
M,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$
M24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P
M=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!4:&4@9F]L;&]W:6YG('1A8FQE('-U
M;6UA<FEZ97,@=&AE(&EN=&5R97-T(')A=&4@<W=A<"!T<F%N<V%C=&EO;G,@
M=&AA="!I;7!A8W1E9"!T:&4@0V]M<&%N>28C,SD[<R`R,#$S('!E<F9O<FUA
M;F-E.CPO<#X@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT97(G/B`\
M=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M1D%-24Q9.B!4
M:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N
M;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.
M4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]4
M5$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F
M=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)
M3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.
M1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I
M9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO
M;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$
M,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M
M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N
M/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D
M:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS
M<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&
M3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@
M4U1!4E0@1$%413PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4
M+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O
M;'-P86X],T0S/DU!5%522519($1!5$4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY(141'12!465!%/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@
M3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^3D]424].04P@04U/
M54Y4/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
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M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)
M1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E)%4%))0TE.1R!&4D51545.0UD\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'
M3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY)
M3D-214%312`H1$5#4D5!4T4I($E.($E.5$5215-4($584$5.4T4\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#$R+S$R+S`X/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`P.2\R-"\Q,SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/D9!25(@5D%,544\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@.2PP,#`L,#`P/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@-2XR-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`E/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R+C<S/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("4\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B!-3TY42$Q9/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS
M=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXQ-C4L-#@X/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#$R+S$R+S`X/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`P.2\R-"\Q,SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^($9!25(@5D%,544\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H
M="<^(#DL,#`P+#`P,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BXW,SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-2XR-3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M($U/3E1(3%D\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
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M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H
M:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT
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M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A
M8FQE/B`\+V1I=CX@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[
M(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)
M3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL
M(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T
M.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@5&AE
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M("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^
M#0H-"BTM+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?
M-S0S,#<V,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R
M,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S
M+U-H965T,S`N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O
M=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S
M970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@
M:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M
M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R
M:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE
M;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C
M;&%S<STS1')E<&]R="!I9#TS1$E$,$5-13X-"B`@("`@(#QT<CX-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T
M<F]N9SY314=-14Y4(%)%4U5,5%,\8G(^/"]S=')O;F<^/"]T:#X-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^,3(@36]N=&AS($5N9&5D
M/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4T5'345.5"!215-53%13(%M!8G-T
M<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E-%1TU%3E0@4D5354Q44SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SPA+2U$3T-465!%(&AT;6P@4%5"3$E#("(M+R]7,T,O+T141"!8
M2%1-3"`Q+C`@5')A;G-I=&EO;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N;W)G
M+U12+WAH=&UL,2]$5$0O>&AT;6PQ+71R86YS:71I;VYA;"YD=&0B("TM/CQD
M:78^(#QD:78@<W1Y;&4],T0G34E.+5=)1%1(.B`W,#AP>#L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+5-T87)T1G)A9VUE;G0M+3X@/&@R('-T>6QE/3-$
M)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!4
M15A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@-7!T.R!&3TY4.B!B;VQD
M(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$
M1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P
M<'0[(%1%6%0M24Y$14Y4.B`P<'0G/B`R,BXF;F)S<#LF;F)S<#M314=-14Y4
M(%)%4U5,5%,\+V@R/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N
M93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$
M1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA
M;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P
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M96YT(&ES(&YE="!I;F-O;64@8V]N=')I8G5T:6]N+CPO<#X@/'`@<W1Y;&4]
M,T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[
M(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P
M<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.
M1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[
M(%1%6%0M24Y$14Y4.B`R,'!X)SX@4F5T86EL(&)A;FMI;F<@:6YC;'5D97,@
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M<BUS96=M96YT(')E=F5N=65S('=E<F4@;F]T(&UA=&5R:6%L+CPO<#X@/'`@
M<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-
M.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/
M3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@
M4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4
M.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@5&AE(&-O;G1R:6)U=&EO;B!O
M9B!T:&4@;6%J;W(@8G5S:6YE<W,@<V5G;65N=',@=&\@=&AE($-O;G-O;&ED
M871E9"!297-U;'1S(&]F($]P97)A=&EO;G,@=V5R92!A<R!F;VQL;W=S.CPO
M<#X@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@
M<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@
M3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-
M.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@
M,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!
M1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR
M-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z
M(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS
M1#8P.#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M
M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L
M9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C
M;VQS<&%N/3-$,3D^645!4B!%3D1%1"!$14-%34)%4B`S,2P@,C`Q,SPO=&0^
M(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A
M;CTS1#,^4D5404E,($)!3DM)3D<\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$,SY#3TU-15)#24%,($)!3DM)3D<\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
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M;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0S/E1/5$%,/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)
M3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)1TA4
M.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C96YT
M97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS1#$Y
M/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($YE="!I;G1E<F5S="!I;F-O;64\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXR,"PR,C,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C$U+#8X-SPO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,S4\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@S+#`X-"D\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,R+#@V,3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$
M)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
M15A4+4E.1$5.5#H@+3$P<'0G/B!#<F5D:70@<')O=FES:6]N(&9O<B!L;V%N
M(&QO<W,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXH.3(I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH
M,2PP,#@I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXH,2PQ,#`I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/
M4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8L-3$R/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXV-#(\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C@L,SDQ/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXQ.3D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C$U+#<T-#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^($YO;BUI;G1E<F5S="!E>'!E;G-E/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
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M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$P+#$T.#PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXV+#8P-3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXR+#8P,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXT,BPR,C,\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($EN8V]M92`H;&]S<RD@8F5F;W)E
M(&EN8V]M92!T87AE<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C,L.34W/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXW+#$X.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,2PX,C$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@U+#0X-2D\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C<L-#@R/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@26YC;VUE('1A>"!E>'!E;G-E("AB96YE9FET*3PO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$L
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M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(L,38V/"]S=')O;F<^/"]T
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M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C8Q.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH,2PV
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M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(L,C@Y/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
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M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(L
M-SDR/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXU
M+#`R,SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,2PR,#(\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
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M3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/B@S+#@R-"D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
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M/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C4L,3DS/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^(%1O=&%L(&%S<V5T<SPO=&0^(#QT9"!S='EL93TS1"=7
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M/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C,T-RPX,C,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L
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M9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C4T-2PU-38\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
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M(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C0L-S(R/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT
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M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXQ+#`U-BPP,S8\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[
M($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@
M1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M
M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@
M5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,
M1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(
M5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L
M;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT
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M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0Q.3Y914%2($5.1$5$($1%
M0T5-0D52(#,Q+"`R,#$R/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)
M1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
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M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
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M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG
M(&-O;'-P86X],T0S/E1255-4/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO
M<FUA;"<@8V]L<W!A;CTS1#,^24Y615-4345.5"\@4$%214Y4/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E
M<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^5$]404P\+W1D
M/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
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M8F]T=&]M)R!C;VQS<&%N/3-$,3D^*$E.(%1(3U5304Y$4RD\+W1D/B`\+W1R
M/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L
M,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,C`L-3@U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$T+#0Y.3PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C,U/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^("@R+#DQ-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,S(L,C`S/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/
M4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($-R961I="!P<F]V:7-I;VX@9F]R(&QO86X@;&]S<SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`H,38P/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^("@V,34\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L
M969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@*#<W-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^
M(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR
M,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!.
M;VXM:6YT97)E<W0@:6YC;VUE/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#8L-38U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXU.#4\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`W+#<X-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^.3PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$T+#DT
M,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$
M)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M
M,3!P="<^($YO;BUI;G1E<F5S="!E>'!E;G-E/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#(R+#@P,CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@."PY
M-S`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
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M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#0X,CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-#`L-C0Q/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!);F-O;64@*&QO<W,I(&)E9F]R92!I;F-O;64@=&%X
M97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-"PU
M,#@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`V+#<R.3PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$L-#,R/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@*#4L,S@Y/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#<L,C@P/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@
M26YC;VUE('1A>"!E>'!E;G-E("AB96YE9FET*3PO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#,U.#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPP
M-#0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!R:6=H="<^(#0X-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#$L-C0X/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPR-#$\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M($YE="!I;F-O;64@*&QO<W,I/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`S+#$U,#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`T+#8X-3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Y-#4\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
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M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^
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M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@<FEG:'0G/B`U+#`S.3PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
M15A4+4E.1$5.5#H@+3$P<'0G/B!4;W1A;"!A<W-E=',\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#,S-BPR-#$\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M-#DW+#,S,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@<FEG:'0G/B`T+#0R.3PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q-C(L.3DP/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#$L,#`P
M+#DY,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QD:78@
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M4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@
M,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E
M;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0V,#@^(#QT
M<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M
M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O
M;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO
M=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
M.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M
M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS
M1#$Y/EE%05(@14Y$140@1$5#14U"15(@,S$L(#(P,3$\+W1D/B`\+W1R/B`\
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M;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E)%
M5$%)3"!"04Y+24Y'/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/
M3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O
M;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@
M8V]L<W!A;CTS1#,^0T]-34520TE!3"!"04Y+24Y'/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^5%)54U0\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY)3E9%4U1-14Y4
M+R!005)%3E0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
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M5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%24=(5#H@8F]L9#L@
M3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@8V5N=&5R.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X],T0Q.3XH24X@5$A/
M55-!3D13*3PO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/
M3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4
M+4E.1$5.5#H@+3$P<'0G/B!.970@:6YT97)E<W0@:6YC;VUE/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R,"PQ,#`\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3,L
M.#8P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^-#$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#$L-S$X/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`S,BPR
M.#,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;B!L;W-S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M("@R-C,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#,L,S$R/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("@S+#4W-3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$
M+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
M15A4+4E.1$5.5#H@+3$P<'0G/B!.;VXM:6YT97)E<W0@:6YC;VUE/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#8L,#4U/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SXU.3<\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`W+#(X,CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M("@S-C4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3,L-38Y/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M
M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@3F]N+6EN=&5R97-T
M(&5X<&5N<V4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
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M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@<FEG:'0G/B`W+#@S,SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-BPQ,3@\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
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M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`T,"PP,S<\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($EN8V]M
M92`H;&]S<RD@8F5F;W)E(&EN8V]M92!T87AE<SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#DT.#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#DL
M.3,V/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@,2PR,#4\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`H-"PV.3D\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@*3PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@.2PS.3`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!);F-O;64@=&%X(&5X<&5N<V4@
M*&)E;F5F:70I/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!R:6=H="<^(#@X,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPY.34\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#0Q,#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M*#$L-#,R/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,BPX-3,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($YE="!I;F-O;64@*&QO<W,I/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#`V
M.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M<FEG:'0G/B`V+#DT,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@<FEG:'0G/B`W.34\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
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M(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#,L,C8W/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`V
M+#4S-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!4
M;W1A;"!A<W-E=',\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!R:6=H="<^(#,S-RPX-CD\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
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M/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-#0R+#`X-SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`S+#DQ-SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG
M:'0G/B`Q.34L,C`S/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!R:6=H="<^(#DW.2PP-S8\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^
M(#PO=&%B;&4^(#PO9&EV/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D
M:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B
M;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X
M,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M
M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?
M-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970S,2YH=&UL#0I#;VYT96YT
M+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT
M+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL
M/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4
M>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R
M:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$
M;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-
M"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P
M14U%/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS
M<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/E)%1U5,051/4ED@0T%0251!
M3#QB<CX\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C
M;VQS<&%N/3-$,3XQ,B!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@
M,C`Q,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T
M<F]N9SY214=53$%43U)9($-!4$E404P@6T%B<W1R86-T73PO<W1R;VYG/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4D5'54Q!5$]262!#
M05!)5$%,/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/
M0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N
M<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T14
M1"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL
M93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM4W1A<G1&<F%G;65N="TM/B`\:#(@<W1Y;&4],T0G5$585"U44D%.4T9/
M4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE
M9G0[(%!!1$1)3D<M5$]0.B`U<'0[($9/3E0Z(&)O;&0@,3!P="\Q,G!T(%1I
M;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P
M>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%
M3E0Z(#!P="<^(#(S+B9N8G-P.R9N8G-P.U)%1U5,051/4ED@0T%0251!3#PO
M:#(^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'
M+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@
M,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@
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M($-O;7!A;GDF(S,Y.W,@9FEN86YC:6%L('-T871E;65N=',N/"]P/B`\<"!S
M='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ
M(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].
M5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0
M041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z
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M-RXV-"4@86YD(#<N-S@E(&9O<B`R,#$S(&%N9"`R,#$R+"!R97-P96-T:79E
M;'DN/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT
M86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4
M:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N
M;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.
M4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]4
M5$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F
M=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)
M3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.
M1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I
M9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO
M;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$
M,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M
M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N
M/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D
M:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R
M/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM
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M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
M96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0R,SY!4R!/
M1B!$14-%34)%4B`S,2P@,C`Q,SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#<^04-454%,/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E
M<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#<^1D]2($-!4$E4
M04P@041%455!0UD\8G(@+SX@4%524$]315,\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&
M3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%
M24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$-SY43R!"12!714Q,($-!4$E404Q)
M6D5$(%5.1$52(%!23TU05"!#3U)214-4259%($%#5$E/3B!04D]625-)3TY3
M/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O
M;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F
M;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L
M9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C
M;VQS<&%N/3-$,SY!34]53E0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
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M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M
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M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M
M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E)!5$E//"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@
M3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^04U/54Y4/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E
M;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^4D%424\\
M+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@
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M(%)!5$E/4RD\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M
M,3!P="<^(%1O=&%L($-A<&ET86P@*%1O(%)I<VL@5V5I9VAT960@07-S971S
M*3QB<B`O/B!#;VYS;VQI9&%T960\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,C@L-#8Y/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ-2XR."4\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8W+#(T-SPO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^."XP,"4\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C@T+#`U.3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3`N,#`E/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,C!P
M=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@06UE<FE397)V($9I;F%N8VEA;"!"
M86YK/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^,3`S+#`P.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,3(N,SD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8V+#4P-CPO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^."XP,#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^.#,L,3,R/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXQ,"XP,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!4:65R(#$@0V%P:71A;"`H5&\@4FES:R!796EG:'1E9"!!<W-E=',I/&)R
M("\^($-O;G-O;&ED871E9#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C$Q-RPY-3<\+W-T<F]N9SX\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C$T+C`S/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXS,RPV,C0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0N
M,#`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C4P+#0S-3PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-BXP,#PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#(P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($%M97)I4V5R=B!&:6YA;F-I86P@
M0F%N:SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/CDR+#8Q,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,3$N,30\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,S+#(U,SPO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-"XP,#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^-#DL.#<Y/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXV+C`P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M(%1I97(@,2!#87!I=&%L("A4;R!!=F5R86=E($%S<V5T<RD\8G(@+SX@0V]N
M<V]L:61A=&5D/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,3$W+#DU-SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^,3$N-#4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0Q
M+#(P-#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-"XP,#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-3$L-3`U/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXU+C`P/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,C!P=#L@5$58
M5"U)3D1%3E0Z("TQ,'!T)SX@06UE<FE397)V($9I;F%N8VEA;"!"86YK/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M.3(L-C$Q/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXY+C(S/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXT,"PQ,C0\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0N,#`\+W-T<F]N9SX\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C4P+#$U-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^-2XP,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
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M1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4
M.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL
M<&%D9&EN9STS1#`@=VED=&@],T0V,#@^(#QT<CX@/'1D/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
M.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L
M)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L
M<W!A;CTS1#(S/D%3($]&($1%0T5-0D52(#,Q+"`R,#$R/"]T9#X@/"]T<CX@
M/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'
M3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$-SY!
M0U1504P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N
M/3-$-SY&3U(@0T%0251!3"!!1$5154%#63QB<B`O/B!055)03U-%4SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
M96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0W/E1/($)%
M(%=%3$P@0T%0251!3$E:140@54Y$15(@4%)/35!4($-/4E)%0U1)5D4@04-4
M24].(%!23U9)4TE/3E,\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&
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M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
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M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E)!5$E//"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E
M<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^04U/54Y4/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^4D%4
M24\\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!
M3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$
M,SY!34]53E0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
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M5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
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M5$585"U)3D1%3E0Z("TQ,'!T)SX@5&]T86P@0V%P:71A;"`H5&\@4FES:R!7
M96EG:'1E9"!!<W-E=',I/&)R("\^($-O;G-O;&ED871E9#PO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3(R+#4X,SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#$U+CDR/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^("4\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`V,2PU.#@\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`X+C`P/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("4\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`W-BPY.#4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q,"XP,#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`E/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$
M+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`R,'!T.R!4
M15A4+4E.1$5.5#H@+3$P<'0G/B!!;65R:5-E<G8@1FEN86YC:6%L($)A;FL\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3`Q+#<X
M-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#$S+C,T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-C$L,#8P/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@."XP,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#<V+#,R-3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#$P+C`P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%
M1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1I97(@,2!#87!I=&%L
M("A4;R!2:7-K(%=E:6=H=&5D($%S<V5T<RD\8G(@+SX@0V]N<V]L:61A=&5D
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$Q,BPY
M,38\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`Q-"XV-SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#,P+#<Y-#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#0N,#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`T-BPQ.3$\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`V+C`P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T
M*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%!!1$1)3D<M3$5&5#H@,C!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@06UE
M<FE397)V($9I;F%N8VEA;"!"86YK/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#DR+#(P,#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$R+C`X/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,S`L-3,P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-"XP,#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#0U+#<Y-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#8N,#`\+W1D/B`\=&0@<W1Y
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M,'!T)SX@5&EE<B`Q($-A<&ET86P@*%1O($%V97)A9V4@07-S971S*3QB<B`O
M/B!#;VYS;VQI9&%T960\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,3$R+#DQ-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$Q+C0T/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,SDL-#<T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-"XP,#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#0Y+#,T,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#4N,#`\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R
M9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`R,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!!;65R:5-E<G8@1FEN86YC:6%L($)A;FL\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@.3(L,C`P/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@.2XU-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#,X+#8Q-CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#0N,#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`T."PR-CD\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`U+C`P
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I
M=CX@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M
M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S
M<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!3
M97)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'
M+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@3VX@2G5L>2`R+"`R
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M92!#;VUP86YY(&]N($IA;G5A<GD@,2P@,C`Q-2P@=VET:"!A;B!I;7!L96UE
M;G1A=&EO;B!P97)I;V0@=&AA="!S=')E=&-H97,@=&\@,C`Q.2X@1F]R(&$@
M;6]R92!D971A:6QE9"!D:7-C=7-S:6]N('-E92!T:&4@0V%P:71A;"!297-O
M=7)C97,@<V5C=&EO;B!O9B!T:&4@340F86UP.T$N/"]P/B`\(2TM16YD1G)A
M9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*
M+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P
M-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T
M83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE
M970S,BYH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M
M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB
M=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P
M+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C
M:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@
M<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J
M+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S
M/3-$<F5P;W)T(&ED/3-$240P14U%/@T*("`@("`@/'1R/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG
M/E!!4D5.5"!#3TU004Y9($9)3D%.0TE!3"!)3D9/4DU!5$E/3CQB<CX\+W-T
M<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$
M,3XQ,B!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\
M+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY005)%
M3E0@0T]-4$%.62!&24Y!3D-)04P@24Y&3U)-051)3TX@6T%B<W1R86-T73PO
M<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4$%2
M14Y4($-/35!!3ED@1DE.04Y#24%,($E.1D]234%424]./"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/0U194$4@:'1M;"!054),24,@
M(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T
M<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO
M;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P
M.'!X.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM4W1A<G1&<F%G;65N="TM
M/B`\:#(@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M
M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`U
M<'0[($9/3E0Z(&)O;&0@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM
M97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!
M1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^(#(T+B9N8G-P
M.R9N8G-P.U!!4D5.5"!#3TU004Y9($9)3D%.0TE!3"!)3D9/4DU!5$E/3CPO
M:#(^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'
M+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@
M,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@
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M97,@;VYL>2!T;R!T:&4@<&%R96YT(&-O;7!A;GD@;W!E<F%T:6]N<SH\+W`^
M(#QH-2!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"
M3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P
M=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E
M<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M
M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^($)!3$%.0T4@4TA%1513
M/"]H-3X@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B
M;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM
M97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R
M;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&
M3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/
M33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[
M(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ
M("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%
M3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T
M:#TS1#4U-#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE
M9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$-SY!5"!$14-%34)%4B`S
M,2P\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
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M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG
M(&-O;'-P86X],T0S/C(P,3,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(
M5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)R!C;VQS<&%N/3-$,SXR,#$R/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)
M3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)1TA4
M.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C96YT
M97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS1#<^
M*$E.(%1(3U5304Y$4RD\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=6
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
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M9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C$P,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C$P,#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%-H;W)T+71E<FT@:6YV97-T
M;65N=',@:6X@;6]N97D@;6%R:V5T(&9U;F1S/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-BPU-C$\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`V+#`X-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!);G9E<W1M
M96YT('-E8W5R:71I97,@879A:6QA8FQE(&9O<B!S86QE/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3$L.3`Y/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3`L-3,T/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%
M3E0Z("TQ,'!T)SX@17%U:71Y(&EN=F5S=&UE;G0@:6X@8F%N:VEN9R!S=6)S
M:61I87)Y/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^.3DL,C4P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@.3DL,3(Q
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^($5Q=6ET>2!I;G9E<W1M96YT(&EN(&YO;BUB
M86YK:6YG('-U8G-I9&EA<FEE<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C4L,S(Q/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@-2PP,3<\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!'=6%R
M86YT965D(&IU;FEO<B!S=6)O<F1I;F%T960@9&5F97)R86)L92!I;G1E<F5S
M="!D96)E;G1U<F4@:7-S=6%N8V4@8V]S=',\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR,C0\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/C(T,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^($]T:&5R(&%S<V5T<SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0L,S4R
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M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`R+#<Q,SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@
M<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%!!1$1)3D<M3$5&5#H@
M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@5$]404P@05-31513/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^,3(W+#<Q-SPO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q,C,L
M.#$P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^($Q)04))3$E42453/&)R("\^(#PO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U
M-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!'=6%R86YT965D(&IU;FEO<B!S=6)O<F1I;F%T960@9&5F97)R86)L92!I
M;G1E<F5S="!D96)E;G1U<F5S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3,L,#@U/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#$S+#`X-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($]T:&5R(&QI86)I;&ET:65S/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^,2PS,C4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#(U-SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!43U1!3"!,24%"
M24Q)5$E%4SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C$T+#0Q,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3,L,S0R
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R
M9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O
M=&%L('-T;V-K:&]L9&5R<R8C,SD[(&5Q=6ET>3PO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$Q,RPS,#<\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!R:6=H="<^(#$Q,"PT-C@\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4
M+4E.1$5.5#H@+3$P<'0G/B!43U1!3"!,24%"24Q)5$E%4R!!3D0@4U1/0TM(
M3TQ$15)3)B,S.3L@15%52519/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3(W
M+#<Q-SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@<FEG:'0G/B`Q,C,L.#$P/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\+W1A8FQE/B`\+V1I=CX@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ
M(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[
M(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@
M4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)
M3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X
M)SX@4U1!5$5-14Y44R!/1B!/4$52051)3TY3/"]P/B`\9&EV('-T>6QE/3-$
M)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)
M6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S
M+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)
M1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z
M(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@
M4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$
M1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN
M9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-34T/B`\='(^(#QT9#XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO
M;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$
M,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M
M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\
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M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
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M24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(
M14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C(P,3(\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$Q/"]T9#X@
M/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L
M.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;2<@8V]L<W!A;CTS1#$Q/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P
M-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($E.
M0T]-13QB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M($EN=&5R+65N=&ET>2!M86YA9V5M96YT(&%N9"!O=&AE<B!F965S/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^,BPS-34\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPS-34\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@,BPS,CD\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S
M='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!$:79I9&5N
M9',@9G)O;2!B86YK:6YG('-U8G-I9&EA<GD\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXU+#4P,#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#@L,#`P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPU,#`\+W1D/B`\
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M:6%R:65S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^-C<U/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXW,3`\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/C8R,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@
M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@26YT97)E<W0@86YD(&1I=FED
M96YD(&EN8V]M93PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C(T,SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,S`V/"]T
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M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG
M:'0G/B`T,34\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M(%1/5$%,($E.0T]-13PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C@L-S<S/"]S=')O;F<^/"]T9#X@/'1D
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M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q
M,2PS-S$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
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M93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!%6%!%3E-%/&)R
M("\^(#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F
M;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C$L,3(Q/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PQ
M,C$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`Q+#$R,3PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R
M,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M
M,3!P="<^(%-A;&%R:65S(&%N9"!E;7!L;WEE92!B96YE9FET<SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(L-3`R
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPS-C@\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R
M+#,Y-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^($]T:&5R(&5X<&5N<V4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#8P.#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,2PU.#(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
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M(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR
M,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%
M1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1/5$%,($584$5.4T4\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXU+#(S,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-2PP-S$\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C,L-30R/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-BPS,#`\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/C@W,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($)E;F5F:70@
M9F]R(&EN8V]M92!T87AE<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C@Y-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M.#$Y/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SXW-C0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!%<75I='D@:6X@=6YD:7-T<FEB
M=71E9"!E87)N:6YG<R!O9B!S=6)S:61I87)I97,\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXW-38\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!R:6=H="<^("@R+#`X,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#0L.3`Q/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T
M+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!.150@24Y#
M3TU%/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-2PQ.3,\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
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M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@-2PP,SD\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
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M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@-BPU,S<\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S
M='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)
M3D1%3E0Z("TQ,'!T)SX@0T]-4%)%2$5.4TE612!)3D-/344\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXT+#8Y-SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`S+#,R,#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G
M/B`W+#<S.3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QP
M('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/
M33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&
M3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[
M(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(
M5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^(%-4051%345.5%,@3T8@0T%3
M2"!&3$]74SPO<#X@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT97(G
M/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,
M63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.
M5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'
M+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-
M05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$58
M5"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$
M,"!W:61T:#TS1#4U-#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS
M1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU
M;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A
M;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4
M.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(
M5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)R!C;VQS<&%N/3-$,3$^645!4B!%3D1%1"!$14-%34)%4B`S,2P\+W1D
M/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0S/C(P,3,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L
M9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C
M;VQS<&%N/3-$,SXR,#$R/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA
M;"<@8V]L<W!A;CTS1#,^,C`Q,3PO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%24=(5#H@
M8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@8V5N=&5R
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X],T0Q,3XH
M24X@5$A/55-!3D13*3PO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/
M54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!/4$52051)3D<@04-4259)5$E%4SQB
M<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($YE="!I
M;F-O;64\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXU+#$Y,SPO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`U
M+#`S.3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`V+#4S-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S
M<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#<U
M-BD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#`X,#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M("@T+#DP,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S
M='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!3=&]C:R!C
M;VUP96YS871I;VX@97AP96YS93PO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C@R/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SXS.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^,34\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!/=&AE<B9N8G-P.RTF;F)S<#MN
M970\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXH-S$X*3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#DX.3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M("@R.#4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#
M14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/
M54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^($Y%5"!#05-((%!23U9)1$5$($)9($]015)!5$E.1R!!0U1)
M5DE42453/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^,RPX,#$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
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M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG
M:'0G/B`Q+#,V-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^($E.5D535$E.1R!!0U1)5DE42453/&)R("\^(#PO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^
M(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR
M,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!0
M=7)C:&%S92!O9B!I;G9E<W1M96YT('-E8W5R:71I97,F;F)S<#LM)FYB<W`[
M879A:6QA8FQE(&9O<B!S86QE/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^*#,L.#@U*3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^("@R+#`W-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`H,RPP-#D\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@4')O
M8V5E9',@9G)O;2!M871U<FET>2!O9B!I;G9E<W1M96YT('-E8W5R:71I97,F
M;F)S<#LM)FYB<W`[879A:6QA8FQE(&9O<B!S86QE/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,BPU,#8\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!R:6=H="<^(#(L.#`Y/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
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M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`U+#DT,CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P
M-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!.150@0T%3
M2"`H55-%1"!)3BD@4%)/5DE$140@0ED@24Y615-424Y'($%#5$E6251)15,\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
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M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`W,S(\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
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M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P
M.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%!U<F-H87-E
M(&]F('1R96%S=7)Y('-T;V-K/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^*#$L,3<Q*3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^("@T+#0Q-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`H-3@R/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B!405)0('=A<G)A;G0@<F5P=7)C:&%S93PO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`H.#(U/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^(%!R969E<G)E9"!S=&]C:R!D:79I9&5N9',@
M<&%I9#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/B@R,#DI/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#@R.#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`H,2PP-30\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P
M=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0V]M;6]N('-T;V-K(&1I=FED96YD
M<R!P86ED/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^*#4V-BD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^("T\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M("T\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@3D54($-!4T@@55-%1"!)3B!&24Y!3D-)3D<@04-4259)5$E%4SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/B@Q+#DT-BD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^("@U+#(T-3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M("@R+#0V,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C0W-CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$L-C4U
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,2PW.3@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T
M+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-!4T@@04Y$
M($-!4T@@15%5259!3$5.5%,@050@2D%.54%262`Q/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-BPQ.#4\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
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M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#<S,CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-!4T@@04Y$($-!4T@@15%5
M259!3$5.5%,@050@1$5#14U"15(@,S$\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXV+#8V,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@<FEG:'0G/B`V+#$X-3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`T+#4S,#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QP('-T>6QE/3-$)U1%
M6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4
M+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R
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M8FEN960@)#$P-2PV,#`L,#`P(&]F(')E<W1R:6-T960@<W5R<&QU<R!A;F0@
M<F5T86EN960@96%R;FEN9W,@870@1&5C96UB97(@,S$L(#(P,3,N/"]P/B`\
M(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO
M:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?
M.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O
M0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS
M:&5E=',O4VAE970S,RYH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG
M.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@
M8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\
M345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X
M="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA
M=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@
M0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A
M8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P14U%/@T*("`@("`@/'1R/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$
M,CX\<W1R;VYG/E-%3$5#5$5$(%%505)415),62!#3TY33TQ)1$%4140@1DE.
M04Y#24%,($1!5$$\8G(^/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L
M87-S/3-$=&@@8V]L<W!A;CTS1#$^,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H
M/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/CQS=')O;F<^4T5,14-4140@455!4E1%4DQ9($-/3E-/3$E$051%
M1"!&24Y!3D-)04P@1$%402!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y314Q%0U1%1"!154%25$523%D@
M0T].4T],241!5$5$($9)3D%.0TE!3"!$051!/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/"$M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S
M0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W
M=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T
M9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\:#(@
M<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-
M.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`U<'0[($9/
M3E0Z(&)O;&0@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E
M<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M
M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^(#(U+B9N8G-P.R9N8G-P
M.U-%3$5#5$5$(%%505)415),62!#3TY33TQ)1$%4140@1DE.04Y#24%,($1!
M5$$\+V@R/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$
M1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU4
M3U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM
M97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!
M1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!4:&4@9F]L
M;&]W:6YG('1A8FQE('-E=',@9F]R=&@@8V5R=&%I;B!U;F%U9&ET960@<75A
M<G1E<FQY(&-O;G-O;&ED871E9"!F:6YA;F-I86P@9&%T82!R96=A<F1I;F<@
M=&AE($-O;7!A;GDZ/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M
M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U6
M05))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!
M1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!
M3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P
M<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T
M.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I
M;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS
M<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C
M;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D
M/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
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M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0Q
M-3XR,#$S(%%505)415(@14Y$140\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL
M93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@;&5F=#L@3$E.
M12U(14E'2%0Z(&YO<FUA;"<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D1%0RX@,S$\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N
M=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY315!4+B`S
M,#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
M=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S
M/DI53D4@,S`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS
M<&%N/3-$,SY-05)#2"`S,3PO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%
M24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
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M-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($EN
M=&5R97-T(&EN8V]M93PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$P+#(P,SPO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^.2PX,3$\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/CDL-C(W/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^
M)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXY+#<P
M,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^($EN=&5R97-T(&5X<&5N<V4\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#8P
M-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#8Q,3PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXQ+#8P-CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#8V
M,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C@L-3DX/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXX+#(P
M,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^."PP,C$\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C@L,#0R/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@
M4')O=FES:6]N("AC<F5D:70I(&9O<B!L;V%N(&QO<W-E<SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@Q
M+#`P,"D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXQ-3`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#(U,"D\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($YE="!I;G1E<F5S="!I;F-O;64@
M869T97(@<')O=FES:6]N("AC<F5D:70I(&9O<B!L;V%N(&QO<W-E<SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/CDL
M-3DX/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXX+#(P,#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-RPX-S$\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C@L,CDR/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M
M,3!P="<^($YO;BUI;G1E<F5S="!I;F-O;64\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXS+#@V-SPO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,RPY.#8\+W-T<F]N9SX\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C0L,#<U/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXS+#@Q-CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)
M3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@3F]N+6EN=&5R
M97-T(&5X<&5N<V4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,"PW-#8\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^,3`L-#$S/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
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M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$P+#0T,CPO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,"PV,C(\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H
M:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!)
M;F-O;64@8F5F;W)E(&EN8V]M92!T87AE<SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(L-S$Y/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#<W,SPO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,2PU,#0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C$L-#@V/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!0<F]V:7-I;VX@
M9F]R(&EN8V]M92!T87AE<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C@W.#PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXU-#<\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-#,T/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C0S,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($YE="!I;F-O;64\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXQ+#@T,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^,2PR,C8\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C$L,#<P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXQ+#`U-CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($)A<VEC(&5A<FYI;F=S('!E<B!C;VUM;VX@<VAA<F4\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXP+C$P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXP+C`V/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXP+C`U/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXP+C`U/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M($1I;'5T960@96%R;FEN9W,@<&5R(&-O;6UO;B!S:&%R93PO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C`N,#D\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C`N,#8\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C`N,#4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C`N,#4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H
M,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B!#87-H(&1I=FED96YD<R!D96-L87)E9"!P97(@8V]M;6]N('-H
M87)E/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^,"XP,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,"XP
M,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,"XP,3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,"XP,#PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QD:78@
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M4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@
M,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E
M;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0V,#@^(#QT
M<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M
M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O
M;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
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M<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L
M<W!A;CTS1#,^1$5#+B`S,3PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0S/E-%4%0N(#,P/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'
M2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^2E5.12`S,#PO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/DU!4D-((#,Q/"]T9#X@
M/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L
M.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;2<@8V]L<W!A;CTS1#$U/BA)3B!42$]54T%.1%,L($580T505"!015(@
M4TA!4D4@1$%402D\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@
M5$585"U)3D1%3E0Z("TQ,'!T)SX@26YT97)E<W0@:6YC;VUE/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Y+#@W.#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q,"PP
M,S`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@.2PX.#4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3`L,3(T/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!
M1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@26YT97)E
M<W0@97AP96YS93PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@<FEG:'0G/B`Q+#<Y-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PX.#@\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#$L.38T/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG
M:'0G/B`R+#`V-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`X+#`X
M,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#@L,30R/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-RPY,C$\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`X+#`U.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^(%!R;W9I<VEO;B`H8W)E9&ET*2!F;W(@
M;&]A;B!L;W-S97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
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M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@<FEG:'0G/B`H,C`P/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#4P,#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H
M="<^("@V,C4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+
M1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!.970@:6YT97)E<W0@:6YC;VUE
M(&%F=&5R('!R;W9I<VEO;B`H8W)E9&ET*2!F;W(@;&]A;B!L;W-S97,\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-RPU,S(\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`X+#,T,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#@L-#(Q/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@."PV.#,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`S
M+#@X-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#,L-C0Y/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,RPW,S,\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`S+#8W-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)
M3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@3F]N+6EN=&5R
M97-T(&5X<&5N<V4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,3`L,S<S/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
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M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q,"PP.#<\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#$P+#`V
M-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,3`L,3$T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
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M97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PP
M-#8\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`Q+#DP-#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#(L,#@W/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,BPR-#,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U
M-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%!R;W9I<VEO;B!F
M;W(@:6YC;VUE('1A>&5S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!R:6=H="<^(#,Q,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
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M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`V-34\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H
M="<^(#8W.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M($YE="!I;F-O;64\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!R:6=H="<^(#<S-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@<FEG:'0G/B`Q+#,P-SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#0S,CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q
M+#4V-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^($)A<VEC(&5A<FYI;F=S('!E<B!C;VUM
M;VX@<VAA<F4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#`N
M,#0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,"XP-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`P+C`V/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#`N,#8\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M('-H87)E/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#`N,#0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`P+C`U/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,"XP-CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#`N,#8\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U
M-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!#87-H(&1I=FED96YD<R!D96-L87)E9"!P97(@8V]M;6]N('-H87)E/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#`N,#`\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`P+C`P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,"XP,#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#`N,#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B
M;&4^(#PO9&EV/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@
M(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A
M.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I
M;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V
M,3,Y,39C+U=O<FMS:&5E=',O4VAE970S-"YH=&UL#0I#;VYT96YT+51R86YS
M9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z
M('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\
M:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O
M;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y
M<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@
M4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O
M9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P13%*044^
M#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X]
M,T0Q(')O=W-P86X],T0R/CQS=')O;F<^4U5-34%262!/1B!324=.249)0T%.
M5"!!0T-/54Y424Y'(%!/3$E#2453("A0;VQI8WDI/&)R/CPO<W1R;VYG/CPO
M=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/C$R($UO
M;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E-534U!4ED@3T8@
M4TE'3DE&24-!3E0@04-#3U5.5$E.1R!03TQ)0TE%4R!;06)S=')A8W1=/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y"55-)
M3D534R!!3D0@3D%455)%($]&($]015)!5$E/3E,\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\(2TM1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O
M5S-#+R]$5$0@6$A434P@,2XP(%1R86YS:71I;VYA;"\O14XB(")H='1P.B\O
M=W=W+G<S+F]R9R]44B]X:'1M;#$O1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN
M9'1D(B`M+3X\9&EV/B`\9&EV('-T>6QE/3-$)TU)3BU724142#H@-S`X<'@[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2U3=&%R=$9R86=M96YT+2T^(#QH
M-2!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U14
M3TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@
M1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF
M.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'
M2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^($)54TE.15-3($%.1"!.0515
M4D4@3T8@3U!%4D%424].4SH\+V@U/B`\<"!S='EL93TS1"=415A4+51204Y3
M1D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@
M;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S
M($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@
M34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z
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M($1E8V5M8F5R(#,Q+"`R,#$S+CPO<#X@/"$M+45N9$9R86=M96YT+2T^/"]D
M:78^(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^4%))3D-)4$Q%4R!/1B!#3TY33TQ)1$%424]./"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/0U194$4@:'1M;"!0
M54),24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.
M(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A
M;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS1"=-24XM5TE$
M5$@Z(#<P.'!X.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM4W1A<G1&<F%G
M;65N="TM/B`\:#4@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!
M1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M
M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I
M;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0
M041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'0G/B!04DE.0TE0
M3$53($]&($-/3E-/3$E$051)3TXZ/"]H-3X@/'`@<W1Y;&4],T0G5$585"U4
M4D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)
M1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4
M:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T
M<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$
M14Y4.B`R,'!X)SX@5&AE(&-O;G-O;&ED871E9"!F:6YA;F-I86P@<W1A=&5M
M96YT<R!I;F-L=61E('1H92!A8V-O=6YT<R!O9B!!;65R:5-E<G8@1FEN86YC
M:6%L+"!);F,N(&%N9"!I=',@=VAO;&QY+6]W;F5D('-U8G-I9&EA<FEE<RP@
M06UE<FE397)V($9I;F%N8VEA;"!"86YK("AT:&4@0F%N:RDL(%1R=7-T($-O
M;7!A;GDL(&%N9"!!;65R:5-E<G8@3&EF92!);G-U<F%N8V4@0V]M<&%N>2`H
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M86YC92X\+W`^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0
M041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'
M+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4
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M97,@;V8@06UE<FEC82`H9V5N97)A;&QY(&%C8V5P=&5D(&%C8V]U;G1I;F<@
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M96YT+2T^/"]D:78^(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^24Y615-4345.5"!314-54DE42453/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/0U194$4@:'1M
M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO
M+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M
M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS1"=-24XM
M5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM4W1A<G1&
M<F%G;65N="TM/B`\:#4@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[
M(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)
M3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL
M(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T
M.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'0G/B!)3E9%
M4U1-14Y4(%-%0U52251)15,Z/"]H-3X@/'`@<W1Y;&4],T0G5$585"U44D%.
M4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE
M<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[
M($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4
M.B`R,'!X)SX@4V5C=7)I=&EE<R!A<F4@8VQA<W-I9FEE9"!A="!T:&4@=&EM
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M<&%N>2!D;V5S(&YO="!E;F=A9V4@:6X@=')A9&EN9R!A8W1I=FET>2X\+W`^
M(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/
M5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T
M.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R
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M:65S(&)E9F]R92!T:&5Y(')E8V]V97(@:6X@=F%L=64N/"]P/B`\(2TM16YD
M1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y&141%4D%,($A/344@3$]!3B!"
M04Y+(%-43T-+/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M
M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4
M<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ
M+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S
M='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\:#4@<W1Y;&4],T0G5$585"U44D%.
M4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE
M<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[
M($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4
M.B`P<'0G/B!&141%4D%,($A/344@3$]!3B!"04Y+(%-43T-+.CPO:#4^(#QP
M('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/
M33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&
M3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[
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M;&]W:6YG.B`H82D@5&AE('-I9VYI9FEC86YC92!O9B!T:&4@9&5C;&EN92!I
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M9"!H97)E:6XN/"]P/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y,3T%.4SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SPA+2U$
M3T-465!%(&AT;6P@4%5"3$E#("(M+R]7,T,O+T141"!82%1-3"`Q+C`@5')A
M;G-I=&EO;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N;W)G+U12+WAH=&UL,2]$
M5$0O>&AT;6PQ+71R86YS:71I;VYA;"YD=&0B("TM/CQD:78^(#QD:78@<W1Y
M;&4],T0G34E.+5=)1%1(.B`W,#AP>#L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+5-T87)T1G)A9VUE;G0M+3X@/&@U('-T>6QE/3-$)U1%6%0M5%)!3E-&
M3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L
M969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@
M3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-
M05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@
M,'!T)SX@3$]!3E,Z/"]H-3X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ
M(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[
M(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@
M4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)
M3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X
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M<B!T;R`Y,"!D87ES+B!087EM96YT<R!R96-E:79E9"!O;B!N;VXM86-C<G5A
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M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3$]!
M3B!&1453/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/
M0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N
M<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T14
M1"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL
M93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM4W1A<G1&<F%G;65N="TM/B`\:#4@<W1Y;&4],T0G5$585"U44D%.4T9/
M4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE
M9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.
M97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!
M4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P
M<'0G/B!,3T%.($9%15,Z/"]H-3X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/
M4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE
M9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.
M97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!
M4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R
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M/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^3$]!3E,@2$5,1"!&3U(@4T%,13PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SPA+2U$3T-465!%(&AT;6P@4%5"3$E#("(M+R]7,T,O+T14
M1"!82%1-3"`Q+C`@5')A;G-I=&EO;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N
M;W)G+U12+WAH=&UL,2]$5$0O>&AT;6PQ+71R86YS:71I;VYA;"YD=&0B("TM
M/CQD:78^(#QD:78@<W1Y;&4],T0G34E.+5=)1%1(.B`W,#AP>#L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+5-T87)T1G)A9VUE;G0M+3X@/&@U('-T>6QE
M/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T
M.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q
M,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)
M3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T
M.R!415A4+4E.1$5.5#H@,'!T)SX@3$]!3E,@2$5,1"!&3U(@4T%,13H\+V@U
M/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"
M3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P
M=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E
M<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M
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M/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y44D%.4T9%4E,@
M3T8@1DE.04Y#24%,($%34T544SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SPA+2U$3T-465!%(&AT;6P@4%5"3$E#("(M+R]7,T,O+T141"!8
M2%1-3"`Q+C`@5')A;G-I=&EO;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N;W)G
M+U12+WAH=&UL,2]$5$0O>&AT;6PQ+71R86YS:71I;VYA;"YD=&0B("TM/CQD
M:78^(#QD:78@<W1Y;&4],T0G34E.+5=)1%1(.B`W,#AP>#L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+5-T87)T1G)A9VUE;G0M+3X@/&@U('-T>6QE/3-$
M)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!4
M15A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T
M+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M
M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!4
M15A4+4E.1$5.5#H@,'!T)SX@5%)!3E-&15)3($]&($9)3D%.0TE!3"!!4U-%
M5%,\+V@U/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$
M1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU4
M3U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM
M97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!
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M(&AA=F4@8F5E;B!I<V]L871E9"!F<F]M('1H92!#;VUP86YY.R`H,BD@=&AE
M('1R86YS9F5R964@;V)T86EN<R!T:&4@<FEG:'0@*&9R964@;V8@8V]N9&ET
M:6]N<R!T:&%T(&-O;G-T<F%I;B!I="!F<F]M('1A:VEN9R!A9'9A;G1A9V4@
M;V8@=&AA="!R:6=H="D@=&\@<&QE9&=E(&]R(&5X8VAA;F=E('1H92!T<F%N
M<V9E<G)E9"!A<W-E=',[(&%N9"`H,RD@=&AE($-O;7!A;GD@9&]E<R!N;W0@
M;6%I;G1A:6X@969F96-T:79E(&-O;G1R;VP@;W9E<B!T:&4@=')A;G-F97)R
M960@87-S971S('1H<F]U9V@@86X@86=R965M96YT('1O(')E<'5R8VAA<V4@
M=&AE;2!B969O<F4@=&AE:7(@;6%T=7)I='DN/"]P/B`\(2TM16YD1G)A9VUE
M;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y04D5-25-%4R!!3D0@15%525!-14Y4/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/0U194$4@:'1M
M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO
M+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M
M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS1"=-24XM
M5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM4W1A<G1&
M<F%G;65N="TM/B`\:#4@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[
M(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)
M3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL
M(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T
M.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'0G/B!04D5-
M25-%4R!!3D0@15%525!-14Y4.CPO:#4^(#QP('-T>6QE/3-$)U1%6%0M5%)!
M3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=.
M.B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM
M97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X
M.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.
M5#H@,C!P>"<^(%!R96UI<V5S(&%N9"!E<75I<&UE;G0@87)E('-T871E9"!A
M="!C;W-T(&QE<W,@86-C=6UU;&%T960@9&5P<F5C:6%T:6]N(&%N9"!A;6]R
M=&EZ871I;VXN($QA;F0@:7,@8V%R<FEE9"!A="!C;W-T+B!$97!R96-I871I
M;VX@:7,@8VAA<F=E9"!T;R!O<&5R871I;VYS(&]V97(@=&AE(&5S=&EM871E
M9"!U<V5F=6P@;&EV97,@;V8@=&AE('!R96UI<V5S(&%N9"!E<75I<&UE;G0@
M=7-I;F<@=&AE('-T<F%I9VAT+6QI;F4@;65T:&]D('=I=&@@82!H86QF+7EE
M87(@8V]N=F5N=&EO;BX@57-E9G5L(&QI=F5S(&]F('5P('1O(#,P('EE87)S
M(&9O<B!B=6EL9&EN9W,@86YD('5P('1O(#$P('EE87)S(&9O<B!E<75I<&UE
M;G0@87)E('5T:6QI>F5D+B!,96%S96AO;&0@:6UP<F]V96UE;G1S(&%R92!A
M;6]R=&EZ960@=7-I;F<@=&AE('-T<F%I9VAT+6QI;F4@;65T:&]D(&]V97(@
M=&AE('1E<FUS(&]F('1H92!R97-P96-T:79E(&QE87-E<R!O<B!U<V5F=6P@
M;&EV97,@;V8@=&AE(&EM<')O=F5M96YT<RP@=VAI8VAE=F5R(&ES('-H;W)T
M97(N($UA:6YT96YA;F-E+"!R97!A:7)S+"!A;F0@;6EN;W(@86QT97)A=&EO
M;G,@87)E(&-H87)G960@=&\@8W5R<F5N="!O<&5R871I;VYS(&%S(&5X<&5N
M9&ET=7)E<R!A<F4@:6YC=7)R960N/"]P/B`\(2TM16YD1G)A9VUE;G0M+3X\
M+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y!3$Q/5T%.0T4@1D]2($Q/04X@3$]34T53($%.1"!#
M2$%21T4M3T9&(%!23T-%1%5215,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\(2TM1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@
M6$A434P@,2XP(%1R86YS:71I;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R
M9R]44B]X:'1M;#$O1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\
M9&EV/B`\9&EV('-T>6QE/3-$)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2U3=&%R=$9R86=M96YT+2T^(#QH-2!S='EL93TS
M1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@
M5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P
M="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'
M+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@
M5$585"U)3D1%3E0Z(#!P="<^($%,3$]704Y#12!&3U(@3$]!3B!,3U-315,@
M04Y$($-(05)'12U/1D8@4%)/0T5$55)%4SH\+V@U/B`\<"!S='EL93TS1"=4
M15A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$58
M5"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q
M,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%
M1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$58
M5"U)3D1%3E0Z(#(P<'@G/B!!<R!A(&9I;F%N8VEA;"!I;G-T:71U=&EO;BP@
M=VAI8V@@87-S=6UE<R!L96YD:6YG(&%N9"!C<F5D:70@<FES:W,@87,@82!P
M<FEN8VEP86P@96QE;65N="!O9B!I=',@8G5S:6YE<W,L('1H92!#;VUP86YY
M(&%N=&EC:7!A=&5S('1H870@8W)E9&ET(&QO<W-E<R!W:6QL(&)E(&5X<&5R
M:65N8V5D(&EN('1H92!N;W)M86P@8V]U<G-E(&]F(&)U<VEN97-S+B!!8V-O
M<F1I;F=L>2P@=&AE($-O;7!A;GD@8V]N<VES=&5N=&QY(&%P<&QI97,@82!C
M;VUP<F5H96YS:79E(&UE=&AO9&]L;V=Y(&%N9"!P<F]C961U<F%L(&1I<V-I
M<&QI;F4@=&\@<&5R9F]R;2!A;B!A;F%L>7-I<R!W:&EC:"!I<R!U<&1A=&5D
M(&]N(&$@<75A<G1E<FQY(&)A<VES(&%T('1H92!"86YK(&QE=F5L('1O(&1E
M=&5R;6EN92!B;W1H('1H92!A9&5Q=6%C>2!O9B!T:&4@86QL;W=A;F-E(&9O
M<B!L;V%N(&QO<W-E<R!A;F0@=&AE(&YE8V5S<V%R>2!P<F]V:7-I;VX@9F]R
M(&QO86X@;&]S<V5S('1O(&)E(&-H87)G960@86=A:6YS="!E87)N:6YG<RX@
M5&AI<R!M971H;V1O;&]G>2!I;F-L=61E<SH\+W`^(#QT86)L92!S='EL93TS
M1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@
M5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P
M="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'
M+4Q%1E0Z(#!P=#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@
M5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG
M/3-$,"!W:61T:#TS1#$P,"4^(#QT<B!S='EL93TS1"=&3TY4+5-)6D4Z(#$P
M<'0[(%9%4E1)0T%,+4%,24=..B!T;W`[($9/3E0M5T5)1TA4.B!N;W)M86P[
M($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@3$E.12U(
M14E'2%0Z(#$R<'0G/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#(Q<'@G/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,C!P>#L@5$585"U!3$E'3CH@
M;&5F="<^+3PO=&0^(#QT9"!S='EL93TS1"=415A4+4%,24=..B!L969T)SY2
M979I97<@;V8@86QL(&-R:71I8VEZ960L(&-L87-S:69I960@86YD(&EM<&%I
M<F5D(&QO86YS('=I=&@@86=G<F5G871E(&)A;&%N8V5S(&]V97(@)#(U,"PP
M,#`@=&\@9&5T97)M:6YE(&EF(&%N>2!S<&5C:69I8R!R97-E<G9E(&%L;&]C
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M=7)E;65N="!O9B!I;7!A:7)M96YT(&UA>2!B92!B87-E9"!U<&]N.B`Q*2!T
M:&4@<')E<V5N="!V86QU92!O9B!E>'!E8W1E9"!F=71U<F4@8V%S:"!F;&]W
M<R!D:7-C;W5N=&5D(&%T('1H92!L;V%N)B,S.3MS(&5F9F5C=&EV92!I;G1E
M<F5S="!R871E.R`R*2!T:&4@;V)S97)V86)L92!M87)K970@<')I8V4@;V8@
M=&AE(&EM<&%I<F5D(&QO86X[(&]R(#,I('1H92!F86ER('9A;'5E(&]F('1H
M92!C;VQL871E<F%L(&]F(&$@8V]L;&%T97)A;"!D97!E;F1E;G0@;&]A;BX\
M+W1D/B`\+W1R/B`\+W1A8FQE/B`\=&%B;&4@<W1Y;&4],T0G5$585"U44D%.
M4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE
M<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`P<'0[
M($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4
M.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@]
M,T0Q,#`E/B`\='(@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!615)424-!
M3"U!3$E'3CH@=&]P.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!&3TY4+5-464Q%
M.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B`Q,G!T
M)SX@/'1D('-T>6QE/3-$)U=)1%1(.B`R,7!X)SXF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#(P<'@[(%1%6%0M04Q)1TXZ(&QE9G0G/BT\+W1D
M/B`\=&0@<W1Y;&4],T0G5$585"U!3$E'3CH@;&5F="<^5&AE(&%P<&QI8V%T
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M3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[
M(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(
M5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L
M;'!A9&1I;F<],T0P('=I9'1H/3-$,3`P)3X@/'1R('-T>6QE/3-$)T9/3E0M
M4TE:13H@,3!P=#L@5D525$E#04PM04Q)1TXZ('1O<#L@1D].5"U714E'2%0Z
M(&YO<FUA;#L@1D].5"U35%E,13H@;F]R;6%L.R!415A4+4%,24=..B!L969T
M.R!,24Y%+4A%24=(5#H@,3)P="<^(#QT9"!S='EL93TS1"=724142#H@,C%P
M>"<^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`R,'!X.R!415A4
M+4%,24=..B!L969T)SXM/"]T9#X@/'1D('-T>6QE/3-$)U1%6%0M04Q)1TXZ
M(&QE9G0G/E1H92!A<'!L:6-A=&EO;B!O9B!F;W)M=6QA(&1R:79E;B!R97-E
M<G9E(&%L;&]C871I;VYS('1O(&-O;G-U;65R(&%N9"!R97-I9&5N=&EA;"!M
M;W)T9V%G92!L;V%N<R!W:&EC:"!A<F4@8F%S960@=7!O;B!H:7-T;W)I8V%L
M(&YE="!C:&%R9V4M;V9F(&5X<&5R:65N8V4@9F]R('1H;W-E(&QO86X@='EP
M97,N(%1H92!R97-I9&5N=&EA;"!M;W)T9V%G92!L;V%N(&%N9"!C;VYS=6UE
M<B!L;V%N(&%L;&]C871I;VYS(&%R92!B87-E9"!U<&]N('1H92!#;VUP86YY
M)B,S.3MS('1H<F5E+7EE87(@:&ES=&]R:6-A;"!A=F5R86=E(&]F(&%C='5A
M;"!L;V%N(&YE="!C:&%R9V4M;V9F<R!E>'!E<FEE;F-E9"!I;B!E86-H(&]F
M('1H;W-E(&-A=&5G;W)I97,N/"]T9#X@/"]T<CX@/"]T86)L93X@/'1A8FQE
M('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/
M33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&
M3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[
M(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(
M5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L
M;'!A9&1I;F<],T0P('=I9'1H/3-$,3`P)3X@/'1R('-T>6QE/3-$)T9/3E0M
M4TE:13H@,3!P=#L@5D525$E#04PM04Q)1TXZ('1O<#L@1D].5"U714E'2%0Z
M(&YO<FUA;#L@1D].5"U35%E,13H@;F]R;6%L.R!415A4+4%,24=..B!L969T
M.R!,24Y%+4A%24=(5#H@,3)P="<^(#QT9"!S='EL93TS1"=724142#H@,C%P
M>"<^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`R,'!X.R!415A4
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M969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@
M3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@,'!T.R!-
M05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@
M,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$
M,3`P)3X@/'1R('-T>6QE/3-$)T9/3E0M4TE:13H@,3!P=#L@5D525$E#04PM
M04Q)1TXZ('1O<#L@1D].5"U714E'2%0Z(&YO<FUA;#L@1D].5"U35%E,13H@
M;F]R;6%L.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@,3)P="<^
M(#QT9"!S='EL93TS1"=724142#H@,C%P>"<^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`R,'!X.R!415A4+4%,24=..B!L969T)SXM/"]T9#X@
M/'1D('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&QE9G0G/DUA;F%G96UE;G0@<F5C
M;V=N:7IE<R!T:&%T('1H97)E(&UA>2!B92!E=F5N=',@;W(@96-O;F]M:6,@
M9F%C=&]R<R!T:&%T(&AA=F4@;V-C=7)R960@869F96-T:6YG('-P96-I9FEC
M(&)O<G)O=V5R<R!O<B!S96=M96YT<R!O9B!B;W)R;W=E<G,@=&AA="!M87D@
M;F]T('EE="!B92!F=6QL>2!R969L96-T960@:6X@=&AE(&EN9F]R;6%T:6]N
M('1H870@=&AE($-O;7!A;GD@=7-E<R!F;W(@87)R:79I;F<@870@<F5S97)V
M97,@9F]R(&$@<W!E8VEF:6,@;&]A;B!O<B!P;W)T9F]L:6\@<V5G;65N="X@
M5&AE<F5F;W)E+"!T:&4@0V]M<&%N>2!B96QI979E<R!T:&%T('1H97)E(&ES
M(&5S=&EM871I;VX@<FES:R!A<W-O8VEA=&5D('=I=&@@=&AE('5S92!O9B!S
M<&5C:69I8R!A;F0@9F]R;75L82!D<FEV96X@86QL;W=A;F-E<RX\+W1D/B`\
M+W1R/B`\+W1A8FQE/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N
M93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$
M1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA
M;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P
M<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!!
M9G1E<B!C;VUP;&5T:6]N(&]F('1H:7,@<')O8V5S<RP@82!F;W)M86P@;65E
M=&EN9R!O9B!T:&4@3&]A;B!,;W-S(%)E<V5R=F4@0V]M;6ET=&5E(&ES(&AE
M;&0@=&\@979A;'5A=&4@=&AE(&%D97%U86-Y(&]F('1H92!R97-E<G9E+CPO
M<#X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M
M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S
M<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!3
M97)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'
M+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@5VAE;B!I="!I<R!D
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M;"!L;W-S97,N/"]P/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N
M93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$
M1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA
M;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P
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M9W)E9V%T92!B86QA;F-E<R!I;B!E>&-E<W,@;V8@)#(U,"PP,#`@=VET:&EN
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M97,@;V8@)#(U,"PP,#`@;W(@;&5S<RP@<F5S:61E;G1I86P@;6]R=&=A9V4@
M;&]A;G,@86YD(&-O;G-U;65R(&QO86YS+B!);F1I=FED=6%L(&QO86YS('=I
M=&AI;B!T:&5S92!P;V]L<R!A<F4@<F5V:65W960@86YD(&5V86QU871E9"!F
M;W(@<W!E8VEF:6,@:6UP86ER;65N="!I9B!F86-T;W)S('-U8V@@87,@<VEG
M;FEF:6-A;G0@9&5L:6YQ=65N8WD@:6X@<&%Y;65N=',@;V8@.3`@9&%Y<R!O
M<B!M;W)E+"!B86YK<G5P=&-Y+"!O<B!O=&AE<B!N96=A=&EV92!E8V]N;VUI
M8R!C;VYC97)N<R!I;F1I8V%T92!I;7!A:7)M96YT+CPO<#X@/"$M+45N9$9R
M86=M96YT+2T^/"]D:78^(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^04Q,3U=!3D-%($9/4B!53D953D1%
M1"!,3T%.($-/34U)5$U%3E13($%.1"!,151415)3($]&($-2141)5#PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SPA+2U$3T-465!%(&AT;6P@
M4%5"3$E#("(M+R]7,T,O+T141"!82%1-3"`Q+C`@5')A;G-I=&EO;F%L+R]%
M3B(@(FAT='`Z+R]W=W<N=S,N;W)G+U12+WAH=&UL,2]$5$0O>&AT;6PQ+71R
M86YS:71I;VYA;"YD=&0B("TM/CQD:78^(#QD:78@<W1Y;&4],T0G34E.+5=)
M1%1(.B`W,#AP>#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+5-T87)T1G)A
M9VUE;G0M+3X@/&@U('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0
M041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'
M+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4
M:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@
M4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!T)SX@04Q,3U=!
M3D-%($9/4B!53D953D1%1"!,3T%.($-/34U)5$U%3E13($%.1"!,151415)3
M($]&($-2141)5#H\+V@U/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@
M;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@
M4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2
M;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE.
M.B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G
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M=&AE<B!L:6%B:6QI=&EE<RX\+W`^(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV
M/B`\+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E1255-4($9%15,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\(2TM1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@
M6$A434P@,2XP(%1R86YS:71I;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R
M9R]44B]X:'1M;#$O1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\
M9&EV/B`\9&EV('-T>6QE/3-$)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2U3=&%R=$9R86=M96YT+2T^(#QH-2!S='EL93TS
M1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@
M5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P
M="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'
M+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@
M5$585"U)3D1%3E0Z(#!P="<^(%1255-4($9%15,Z/"]H-3X@/'`@<W1Y;&4]
M,T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[
M(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P
M<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.
M1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[
M(%1%6%0M24Y$14Y4.B`R,'!X)SX@5')U<W0@9F5E<R!A<F4@<F5C;W)D960@
M;VX@=&AE(&-A<V@@8F%S:7,@=VAI8V@@87!P<F]X:6UA=&5S('1H92!A8V-R
M=6%L(&)A<VES(&9O<B!S=6-H(&EN8V]M92X\+W`^(#PA+2U%;F1&<F%G;65N
M="TM/CPO9&EV/B`\+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/D)!3DLM3U=.140@3$E&12!)3E-54D%.0T4\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\(2TM1$]#5%E012!H
M=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@,2XP(%1R86YS:71I;VYA
M;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X:'1M;#$O1%1$+WAH=&UL
M,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\9&EV('-T>6QE/3-$)TU)
M3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2U3=&%R
M=$9R86=M96YT+2T^(#QH-2!S='EL93TS1"=415A4+51204Y31D]233H@;F]N
M93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$
M1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA
M;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P
M<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^($)!
M3DLM3U=.140@3$E&12!)3E-54D%.0T4Z/"]H-3X@/'`@<W1Y;&4],T0G5$58
M5"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M
M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P
M="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494
M.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M
M24Y$14Y4.B`R,'!X)SX@5&AE($-O;7!A;GD@:&%S('!U<F-H87-E9"!L:69E
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M(&EN<W5R86YC92!W:71H:6X@;F]N+6EN=&5R97-T(&EN8V]M92X\+W`^(#PA
M+2U%;F1&<F%G;65N="TM/CPO9&EV/B`\+V1I=CX\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DE.5$%.1TE"3$4@05-3
M1513/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/0U19
M4$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET
M:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X
M:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS
M1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M4W1A<G1&<F%G;65N="TM/B`\:#4@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ
M(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[
M(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@
M4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)
M3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'0G
M/B!)3E1!3D=)0DQ%($%34T544SH\+V@U/B`\:#4@<W1Y;&4],T0G5$585"U4
M4D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)
M1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4
M:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T
M<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$
M14Y4.B`P<'0G/B!';V]D=VEL;#PO:#4^(#QP('-T>6QE/3-$)U1%6%0M5%)!
M3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=.
M.B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM
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M9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^14%23DE.1U,@4$52($-/34U/3B!32$%213PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SPA+2U$3T-465!%(&AT;6P@4%5"3$E#("(M
M+R]7,T,O+T141"!82%1-3"`Q+C`@5')A;G-I=&EO;F%L+R]%3B(@(FAT='`Z
M+R]W=W<N=S,N;W)G+U12+WAH=&UL,2]$5$0O>&AT;6PQ+71R86YS:71I;VYA
M;"YD=&0B("TM/CQD:78^(#QD:78@<W1Y;&4],T0G34E.+5=)1%1(.B`W,#AP
M>#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+5-T87)T1G)A9VUE;G0M+3X@
M/&@U('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/
M5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T
M.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R
M:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU2
M24=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!T)SX@14%23DE.1U,@4$52($-/
M34U/3B!32$%213H\+V@U/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@
M;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@
M4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2
M;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE.
M.B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G
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M<&]S97,N($]P=&EO;G,@86YD('=A<G)A;G0@=&\@<'5R8VAA<V4@,3`S+#4W
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M97)E("0S+C`U)FYB<W`[+29N8G-P.R0U+C<U+"`D,BXX,"9N8G-P.RTF;F)S
M<#LD-2XW-2P@86YD("0R+C`W)FYB<W`[+29N8G-P.R0V+C$P(&1U<FEN9R`R
M,#$S+"`R,#$R(&%N9"`R,#$Q+"!R97-P96-T:79E;'DN($1I=FED96YD<R!O
M;B!P<F5F97)R960@<VAA<F5S(&%R92!D961U8W1E9"!F<F]M(&YE="!I;F-O
M;64@:6X@=&AE(&-A;&-U;&%T:6]N(&]F(&5A<FYI;F=S('!E<B!C;VUM;VX@
M<VAA<F4N/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9
M.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4
M.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U4
M4D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M
M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@
M;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!
M4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4
M+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P
M('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$
M,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M
M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N
M/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0Q,3Y996%R(&5N9&5D($1E8V5M8F5R(#,Q+#PO=&0^
M(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A
M;CTS1#,^,C`Q,SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4
M+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O
M;'-P86X],T0S/C(P,3(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@
M8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L
M)R!C;VQS<&%N/3-$,SXR,#$Q/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M
M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)1TA4.B!B
M;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C96YT97([
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS1#$Q/BA)
M;B!T:&]U<V%N9',L(&5X8V5P="!P97(@<VAA<F4@9&%T82D\+W1D/B`\+W1R
M/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L
M,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^($YU;65R871O<CH\8G(@+SX@/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P
M.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!.970@:6YC;VUE/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^-2PQ.3,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-2PP,SD\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M-BPU,S<\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^(%!R969E<G)E9"!S=&]C:R!D:79I9&5N
M9',@86YD(&%C8W)E=&EO;B!O9B!P<F5F97)R960@<W1O8VL@9&ES8V]U;G0\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXR,#D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#@R.#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PS.#4\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!.970@:6YC
M;VUE(&%V86EL86)L92!T;R!C;VUM;VX@<VAA<F5H;VQD97)S/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^-"PY.#0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-"PR,3$\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@-2PQ-3(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+
M1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S
M<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$
M+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z
M("TQ,'!T)SX@5V5I9VAT960@879E<F%G92!C;VUM;VX@<VAA<F5S(&]U='-T
M86YD:6YG("AB87-I8RD\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXQ."PY-#(\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`Q.2PV.#4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R,2PQ.#0\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M($5F9F5C="!O9B!S=&]C:R!O<'1I;VYS+W=A<G)A;G1S/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^.3(\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
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M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`R,3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^(%=E:6=H=&5D(&%V97)A9V4@8V]M;6]N
M('-H87)E<R!O=71S=&%N9&EN9R`H9&EL=71E9"D\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ.2PP
M,S0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
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M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q.2PW-#<\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`R,2PR
M,#4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$
M+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
M15A4+4E.1$5.5#H@+3$P<'0G/B!%87)N:6YG<R!P97(@8V]M;6]N('-H87)E
M.CQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI
M=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!0041$24Y'+4Q%1E0Z(#(P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($)A
M<VEC/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^,"XR-CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`P+C(Q
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#`N,C0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^
M(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR
M,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@4$%$1$E.1RU,1494.B`R,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!$
M:6QU=&5D/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^,"XR-CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#`N,C$\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`P+C(T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\+W1A8FQE/B`\+V1I=CX@/"$M+45N9$9R86=M96YT+2T^/"]D:78^(#PO
M9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^4U1/0TLM0D%3140@0T]-4$5.4T%424]./"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/0U194$4@:'1M;"!054),24,@(BTO
M+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO
M+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L
M+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\
M:#4@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]4
M5$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[
M($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I
M9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))
M1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'0G/B!35$]#2RU"05-%1"!#3TU0
M14Y3051)3TXZ/"]H-3X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO
M;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!
M1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M
M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@
M,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@
M5&AE($-O;7!A;GD@=7-E<R!T:&4@;6]D:69I960@<')O<W!E8W1I=F4@;65T
M:&]D(&9O<B!A8V-O=6YT:6YG(&]F('-T;V-K+6)A<V5D(&-O;7!E;G-A=&EO
M;BX@5&AE($-O;7!A;GD@<F5C;V=N:7IE9"`D.#(L,#`P+"`D,S@L,#`P(&%N
M9"`D,34L,#`P(&]F('!R971A>"!C;VUP96YS871I;VX@97AP96YS92!F;W(@
M=&AE('EE87)S(#(P,3,L(#(P,3(@86YD(#(P,3$N(%1H92!F86ER('9A;'5E
M(&]F(&5A8V@@;W!T:6]N(&=R86YT(&ES(&5S=&EM871E9"!O;B!T:&4@9W)A
M;G0@9&%T92!U<VEN9R!T:&4@0FQA8VLM4V-H;VQE<R!O<'1I;VX@<')I8VEN
M9R!M;V1E;"X@4V5E($YO=&4@,3@@9F]R(&1E=&%I;',@;VX@=&AE(&%S<W5M
M<'1I;VYS('5S960N/"]P/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D
M:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y!0T-5355,051%1"!/5$A%4B!#3TU04D5(14Y3259%($Q/4U,\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\(2TM1$]#5%E012!H=&UL
M(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@,2XP(%1R86YS:71I;VYA;"\O
M14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X:'1M;#$O1%1$+WAH=&UL,2UT
M<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\9&EV('-T>6QE/3-$)TU)3BU7
M24142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2U3=&%R=$9R
M86=M96YT+2T^(#QH-2!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@
M4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.
M1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@
M5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[
M(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P="<^($%#0U5-
M54Q!5$5$($]42$52($-/35!214A%3E-)5D4@3$]34SH\+V@U/B`\<"!S='EL
M93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P
M=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@
M,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$
M24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P
M=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!4:&4@0V]M<&%N>2!P<F5S96YT<R!T
M:&4@8V]M<&]N96YT<R!O9B!O=&AE<B!C;VUP<F5H96YS:79E(&EN8V]M92`H
M;&]S<RD@:6X@=&AE($-O;G-O;&ED871E9"!3=&%T96UE;G1S(&]F($-O;7!R
M96AE;G-I=F4@26YC;VUE+B!4:&5S92!C;VUP;VYE;G1S(&%R92!C;VUP<FES
M960@;V8@=&AE(&-H86YG92!I;B!T:&4@9&5F:6YE9"!B96YE9FET('!E;G-I
M;VX@;V)L:6=A=&EO;B!A;F0@=&AE('5N<F5A;&EZ960@:&]L9&EN9R!G86EN
M<R`H;&]S<V5S*2!O;B!A=F%I;&%B;&4@9F]R('-A;&4@<V5C=7)I=&EE<RP@
M;F5T(&]F(&%N>2!R96-L87-S:69I8V%T:6]N(&%D:G5S=&UE;G1S(&9O<B!R
M96%L:7IE9"!G86EN<R!A;F0@;&]S<V5S+CPO<#X@/'`@<W1Y;&4],T0G5$58
M5"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M
M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P
M="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494
M.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M
M24Y$14Y4.B`R,'!X)SX@5&AE(&9O;&QO=VEN9R!T86)L92!S971S(&9O<G1H
M('1H92!C;VUP;VYE;G1S(&]F(&%C8W5M=6QA=&5D(&]T:&5R(&-O;7!R96AE
M;G-I=F4@;&]S<RP@;F5T(&]F('1A>#H\+W`^(#QD:78@<W1Y;&4],T0G5$58
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M24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'
M+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$
M,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0U-30^(#QT<CX@/'1D/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
M.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L
M)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L
M<W!A;CTS1#<^050@1$5#14U"15(@,S$L/"]T9#X@/"]T<CX@/'1R/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[
M($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$S/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E
M;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,CPO
M=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB
M<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!&3TY4+5=%24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z(&YO
M<FUA;#L@5$585"U!3$E'3CH@8V5N=&5R.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VTG(&-O;'-P86X],T0W/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U
M+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M(%!E;G-I;VX@;V)L:6=A=&EO;B!F;W(@9&5F:6YE9"!B96YE9FET('!L86X\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXH-BPY,3@I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("@Y+#4R
M,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS
M1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B!5;G)E86QI>F5D(&AO;&1I;F<@9V%I;G,@;VX@879A:6QA8FQE
M(&9O<B!S86QE('-E8W5R:71I97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#`T,SPO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@-"PQ-#$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^(%1O=&%L(&%C8W5M=6QA=&5D(&]T:&5R(&-O;7!R
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M86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@U+#@W-2D\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
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M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
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M;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T
M86)L93X@/"]D:78^(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV/B`\+V1I=CX\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D-/3E-/3$E$051%1"!35$%414U%3E0@3T8@0T%32"!&3$]74SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SPA+2U$3T-465!%(&AT;6P@4%5"
M3$E#("(M+R]7,T,O+T141"!82%1-3"`Q+C`@5')A;G-I=&EO;F%L+R]%3B(@
M(FAT='`Z+R]W=W<N=S,N;W)G+U12+WAH=&UL,2]$5$0O>&AT;6PQ+71R86YS
M:71I;VYA;"YD=&0B("TM/CQD:78^(#QD:78@<W1Y;&4],T0G34E.+5=)1%1(
M.B`W,#AP>#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+5-T87)T1G)A9VUE
M;G0M+3X@/&@U('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$
M24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/
M4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE
M<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$
M1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!T)SX@0T].4T],241!
M5$5$(%-4051%345.5"!/1B!#05-(($9,3U=3.CPO:#4^(#QP('-T>6QE/3-$
M)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!4
M15A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T
M+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M
M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!4
M15A4+4E.1$5.5#H@,C!P>"<^($]N(&$@8V]N<V]L:61A=&5D(&)A<VES+"!C
M87-H(&%N9"!C87-H(&5Q=6EV86QE;G1S(&EN8VQU9&4@8V%S:"!A;F0@9'5E
M(&9R;VT@9&5P;W-I=&]R>2!I;G-T:71U=&EO;G,L(&EN=&5R97-T(&)E87)I
M;F<@9&5P;W-I=',L(&%N9"!S:&]R="UT97)M(&EN=F5S=&UE;G1S(&EN(&UO
M;F5Y(&UA<FME="!F=6YD<RX@5&AE($-O;7!A;GD@;6%D92`D,3,W+#`P,"!I
M;B!I;F-O;64@=&%X('!A>6UE;G1S(&EN(#(P,3,[("0Q-#(L,#`P(&EN(#(P
M,3([(&%N9"`D.3<L,#`P(&EN(#(P,3$N(%1H92!#;VUP86YY(&AA9"!N;VXM
M8V%S:"!T<F%N<V9E<G,@=&\@;W1H97(@<F5A;"!E<W1A=&4@;W=N960@*$]2
M14\I(&EN('1H92!A;6]U;G1S(&]F("0W-C8L,#`P(&EN(#(P,3,[("0Q+#(V
M-BPP,#`@:6X@,C`Q,CL@86YD("0Q-CDL,#`P(&EN(#(P,3$N(%1H92!#;VUP
M86YY(&UA9&4@=&]T86P@:6YT97)E<W0@<&%Y;65N=',@;V8@)#8L-S@Q+#`P
M,"!I;B`R,#$S.R`D."PQ-30L,#`P(&EN(#(P,3([(&%N9"`D,3`L-CDY+#`P
M,"!I;B`R,#$Q+CPO<#X@/"$M+45N9$9R86=M96YT+2T^/"]D:78^(#PO9&EV
M/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^24Y#3TU%(%1!6$53/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/"$M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,
M(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O
M>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@
M/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\:#4@<W1Y;&4],T0G5$58
M5"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M
M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P
M="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494
M.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M
M24Y$14Y4.B`P<'0G/B!)3D-/344@5$%815,Z/"]H-3X@/'`@<W1Y;&4],T0G
M5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%
M6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O
M,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,
M1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%
M6%0M24Y$14Y4.B`R,'!X)SX@1&5F97)R960@=&%X(&%S<V5T<R!O<B!L:6%B
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M8F%S960@=7!O;B!A=F%I;&%B;&4@979I9&5N8V4N/"]P/B`\(2TM16YD1G)A
M9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y)3E1%4D535"!2051%($-/3E1204-4
M4SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SPA+2U$3T-465!%
M(&AT;6P@4%5"3$E#("(M+R]7,T,O+T141"!82%1-3"`Q+C`@5')A;G-I=&EO
M;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N;W)G+U12+WAH=&UL,2]$5$0O>&AT
M;6PQ+71R86YS:71I;VYA;"YD=&0B("TM/CQD:78^(#QD:78@<W1Y;&4],T0G
M34E.+5=)1%1(.B`W,#AP>#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+5-T
M87)T1G)A9VUE;G0M+3X@/&@U('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N
M;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0
M041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O
M;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ
M(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!T)SX@
M24Y415)%4U0@4D%412!#3TY44D%#5%,Z/"]H-3X@/'`@<W1Y;&4],T0G5$58
M5"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M
M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P
M="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494
M.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M
M24Y$14Y4.B`R,'!X)SX@5&AE($-O;7!A;GD@<F5C;V=N:7IE<R!A;&P@9&5R
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M960@:71E;2X\+W`^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE
M.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$
M24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N
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M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4D5#14Y4($%#0T]5
M3E1)3D<@4U1!3D1!4D13/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/"$M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,
M(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O
M>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@
M/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\:#4@<W1Y;&4],T0G5$58
M5"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M
M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P
M="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494
M.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M
M24Y$14Y4.B`P<'0G/B!214-%3E0@04-#3U5.5$E.1R!35$%.1$%21%,Z/"]H
M-3X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M
M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S
M<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!3
M97)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'
M+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@26X@2G5L>2`R,#$S
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M<G,L(&)E9VEN;FEN9R!A9G1E<B!$96-E;6)E<B`Q-2P@,C`Q,RX@16%R;'D@
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M92!#;VUP86YY)B,S.3MS(&9I;F%N8VEA;"!S=&%T96UE;G1S+CPO<#X@/'`@
M<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-
M.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/
M3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@
M4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4
M.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@26X@2F%N=6%R>2`R,#$T+"!T
M:&4@1D%30B!I<W-U960@05-5(#(P,30M,#0L(#QE;3Y296-E:79A8FQE<R9N
M8G-P.RTF;F)S<#M4<F]U8FQE9"!$96)T(%)E<W1R=6-T=7)I;F=S(&)Y($-R
M961I=&]R<R`H4W5B=&]P:6,@,S$P+30P*3H@4F5C;&%S<VEF:6-A=&EO;B!O
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M9',L(&)E9VEN;FEN9R!A9G1E<B!$96-E;6)E<B`Q-2P@,C`Q-"X@06X@96YT
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M(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\
M+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A
M<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT
M96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y
M,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T,S4N:'1M;`T*0V]N
M=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N
M=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\
M:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E
M;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^
M/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^
M+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE
M860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS
M1$E$,$4R1CX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@
M8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY354U-05)9($]&(%-)
M1TY)1DE#04Y4($%#0T]53E1)3D<@4$],24-)15,@*%1A8FQE<RD\8G(^/"]S
M=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS
M1#$^,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^
M/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4U5-
M34%262!/1B!324=.249)0T%.5"!!0T-/54Y424Y'(%!/3$E#2453(%M!8G-T
M<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D5A<FYI;F=S(%!E<B!3:&%R93PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SPA+2U$3T-465!%(&AT;6P@4%5"3$E#("(M+R]7,T,O+T14
M1"!82%1-3"`Q+C`@5')A;G-I=&EO;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N
M;W)G+U12+WAH=&UL,2]$5$0O>&AT;6PQ+71R86YS:71I;VYA;"YD=&0B("TM
M/CQD:78^(#QD:78@<W1Y;&4],T0G34E.+5=)1%1(.B`W,#AP>#L@5$585"U!
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M24Y'+51/4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P
M="`P<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P
M<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0V
M,#@^(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P
M.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A
M;CTS1#$Q/EEE87(@96YD960@1&5C96UB97(@,S$L/"]T9#X@/"]T<CX@/'1R
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@
M8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$S
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^
M,C`Q,CPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
M(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X]
M,T0S/C(P,3$\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)
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M93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U7
M14E'2%0Z(&)O;&0[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z
M("TQ,'!T)SX@3G5M97)A=&]R.CQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^($YE="!I;F-O;64\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^
M)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXU+#$Y
M,SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`U+#`S.3PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`V+#4S-SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%
M3E0Z("TQ,'!T)SX@4')E9F5R<F5D('-T;V-K(&1I=FED96YD<R!A;F0@86-C
M<F5T:6]N(&]F('!R969E<G)E9"!S=&]C:R!D:7-C;W5N=#PO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(P
M.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
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M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#,X-3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($YE="!I;F-O;64@879A:6QA
M8FQE('1O(&-O;6UO;B!S:&%R96AO;&1E<G,\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXT+#DX-#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`T+#(Q,3PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`U+#$U,CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!&3TY4+5=%24=(5#H@8F]L9#L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!$96YO;6EN871O
M<CH\8G(@+SX@/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H
M:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!7
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C$X+#DT,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$Y+#8X-3PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#(Q+#$X-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)
M3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@169F96-T(&]F
M('-T;V-K(&]P=&EO;G,O=V%R<F%N=',\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXY,CPO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@-C(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
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M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$Y+#`S-#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!R:6=H="<^(#$Y+#<T-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#(Q+#(P-3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G
M8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^($5A<FYI;F=S('!E<B!C;VUM;VX@<VAA<F4Z/&)R("\^(#PO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^
M(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M
M3$5&5#H@,C!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0F%S:6,\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXP+C(V/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#`N,C$\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M,"XR-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'
M+4Q%1E0Z(#(P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($1I;'5T960\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXP
M+C(V/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,"XR,3PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#`N,C0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^
M(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV/B`\+V1I=CX\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-C:&5D=6QE(&]F
M($-H86YG97,@:6X@16%C:"!#;VUP;VYE;G0@;V8@06-C=6UU;&%T960@3W1H
M97(@0V]M<')E:&5N<VEV92!,;W-S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/"$M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$
M(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO
M<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^
M/&1I=CX@/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\=&%B;&4@<W1Y
M;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W
M(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N
M;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T
M.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)
M3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T
M(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P
M>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#4U
M-#X@/'1R/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$-SY!5"!$14-%34)%
M4B`S,2P\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0S/C(P,3,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$R/"]T9#X@/"]T<CX@/'1R/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[
M($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)
M1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C
M96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS
M1#<^*$E.(%1(3U5304Y$4RD\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@V+#DQ
M."D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#DL-3(P/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%5N<F5A;&EZ960@
M:&]L9&EN9R!G86EN<R!O;B!A=F%I;&%B;&4@9F]R('-A;&4@<V5C=7)I=&EE
M<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C$L,#0S/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
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M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`T+#$T,3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B
M*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@5&]T
M86P@86-C=6UU;&%T960@;W1H97(@8V]M<')E:&5N<VEV92!L;W-S/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^*#4L.#<U*3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`H-2PS
M-SD\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\(2TM16YD1G)A9VUE
M;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM
M+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q
M,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?
M-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970S
M-BYH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I
M;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M
M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q
M=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R
M<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C
M/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO
M<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$
M<F5P;W)T(&ED/3-$240P14M(/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@
M8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/DE.
M5D535$U%3E0@4T5#55))5$E%4R`H5&%B;&5S*3QB<CX\+W-T<F]N9SX\+W1H
M/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,3XQ,B!-;VYT
M:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY)3E9%4U1-14Y4(%-%
M0U52251)15,@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^4V-H961U;&4@;V8@0V]S="!"87-I<R!A;F0@
M1F%I<B!686QU97,@;V8@26YV97-T;65N="!396-U<FET:65S/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/0U194$4@:'1M;"!054),
M24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B
M:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I
M=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z
M(#<P.'!X.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM4W1A<G1&<F%G;65N
M="TM/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.
M1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z
M(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L
M(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)
M3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!);G9E<W1M96YT
M('-E8W5R:71I97,@879A:6QA8FQE(&9O<B!S86QE.CPO<#X@/&1I=B!S='EL
M93TS1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].
M5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4
M:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4
M+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-4
M64Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S
M<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[
M(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P
M86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\
M=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU
M;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A
M;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE
M9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)
M1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$,34^050@1$5#14U"15(@,S$L(#(P,3,\+W1D
M/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0S/D-/4U0@0D%325,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(
M5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)R!C;VQS<&%N/3-$,SY'4D]34R!53E)%04Q)6D5$($=!24Y3/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E
M;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^1U)/4U,@
M54Y214%,25I%1"!,3U-315,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(
M5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)R!C;VQS<&%N/3-$,SY&04E2/&)R("\^(%9!3%5%/"]T9#X@/"]T<CX@
M/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4
M+4%,24=..B!C96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@
M8V]L<W!A;CTS1#$U/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%4N4RX@06=E
M;F-Y/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^-BPY,C8\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,U/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH,3(V*3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-BPX,S4\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3$L.3DR/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR,3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^*#(U,BD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C$Q+#<V,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R
M,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!
M1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@52Y3+B!!
M9V5N8WD@;6]R=&=A9V4M8F%C:V5D('-E8W5R:71I97,\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,C$L
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M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,L,3(Y/"]S=')O;F<^/"]T
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M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/B@Q+#(R-RD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,3(S+#,X,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^(%1O=&%L/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,30P+#,Y
M.#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,RPQ
M.#4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
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M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@Q
M+#8P-2D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
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M3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C$T,2PY-S@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^
M(#PO9&EV/B`\<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$
M1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU4
M3U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM
M97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!
M1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!);G9E<W1M
M96YT('-E8W5R:71I97,@:&5L9"!T;R!M871U<FET>3H\+W`^(#QD:78@<W1Y
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M,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T
M.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS
M<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0V,#@^(#QT<CX@
M/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I
M=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P
M86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M
M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O
M;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%
M24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z
M(&YO<FUA;"<@8V]L<W!A;CTS1#$U/D%4($1%0T5-0D52(#,Q+"`R,#$S/"]T
M9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S
M<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS
M<&%N/3-$,SY#3U-4($)!4TE3/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
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M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
M96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D=23U-3
M(%5.4D5!3$E:140@3$]34T53/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO
M<FUA;"<@8V]L<W!A;CTS1#,^1D%)4CQB<B`O/B!604Q513PO=&0^(#PO='(^
M(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!&3TY4+5=%24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG
M(&-O;'-P86X],T0Q-3XH24X@5$A/55-!3D13*3PO=&0^(#PO='(^(#QT<B!S
M='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!5+E,N($%G
M96YC>2!M;W)T9V%G92UB86-K960@<V5C=7)I=&EE<SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T
M<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C$R+#8W,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^,C@Y/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXH-#<W*3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,3(L-#@S/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M(%1A>&%B;&4@;75N:6-I<&%L/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,2PU,C$\+W-T<F]N9SX\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/B@Q,C`I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#0P,3PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P
M=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0V]R<&]R871E(&)O;F1S(&%N9"!O
M=&AE<B!S96-U<FET:65S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,RPY.34\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
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M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C,L.3`T/"]S=')O;F<^/"]T9#X@/'1D('-T
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M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@5&]T86P\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXQ."PQ.#<\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C(X.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^*#8X."D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C$W+#<X.#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/"]T86)L93X@/"]D:78^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-
M.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T
M.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W
M(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'
M24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P
M>"<^($EN=F5S=&UE;G0@<V5C=7)I=&EE<R!A=F%I;&%B;&4@9F]R('-A;&4Z
M/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L
M92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE
M<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M
M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/
M4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-
M.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@
M4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@
M+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.
M5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H
M/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO
M;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^
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M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([
M($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0Q-3Y!5"!$14-%34)%
M4B`S,2P@,C`Q,CPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M
M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
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M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D=23U-3(%5.4D5!3$E:
M140@1T%)3E,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
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M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D9!25(\8G(@+SX@5D%,
M544\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
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M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P
M-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@52Y3+B!!9V5N8WD\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#4L.#0X/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^-S`\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXH-SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M-2PY,3$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#<L.3DR/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SXS/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#$P,SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`W
M+#@Y,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@
M5$585"U)3D1%3E0Z("TQ,'!T)SX@52Y3+B!!9V5N8WD@;6]R=&=A9V4M8F%C
M:V5D('-E8W5R:71I97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,3,Q+#0R-3PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-BPS,C`\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^("@Q
M,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!R:6=H="<^(#$S-RPW,S4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
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M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,30U+#(V-3PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`V+#,Y,SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`H,3(P
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M<FEG:'0G/B`Q-3$L-3,X/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\
M+V1I=CX@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)
M3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0
M.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S
M+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$
M24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X)SX@26YV97-T;65N
M="!S96-U<FET:65S(&AE;&0@=&\@;6%T=7)I='DZ/"]P/B`\9&EV('-T>6QE
M/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4
M+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I
M;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M
M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U19
M3$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P
M=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@
M4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A
M8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT
M9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M
M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N
M/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D
M:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS
M<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&
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M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N
M;W)M86PG(&-O;'-P86X],T0Q-3Y!5"!$14-%34)%4B`S,2P@,C`Q,CPO=&0^
M(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0S/D=23U-3(%5.4D5!3$E:140@1T%)3E,\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N
M=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY'4D]34R!5
M3E)%04Q)6D5$($Q/4U-%4SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0S/D9!25(\8G(@+SX@5D%,544\+W1D/B`\+W1R/B`\
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M;VQS<&%N/3-$,34^*$E.(%1(3U5304Y$4RD\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)
M3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@52Y3+B!!9V5N
M8WD@;6]R=&=A9V4M8F%C:V5D('-E8W5R:71I97,\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#DL,S$X/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^-3<X/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`Y+#@Y-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!487AA8FQE(&UU
M;FEC:7!A;#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/C0Q,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^-#$V/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;W)P;W)A=&4@8F]N9',@86YD(&]T
M:&5R('-E8W5R:71I97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,RPY.34\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
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M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`H-34\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG
M:'0G/B`S+#DU-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^(%1O=&%L/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M<FEG:'0G/B`Q,RPW,C,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
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M3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
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M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^("@U-3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL
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M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/"$M+45N
M9$9R86=M96YT+2T^/"]D:78^(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4V-H961U;&4@;V8@0V]N=')A
M8W1U86P@36%T=7)I=&EE<R!O9B!396-U<FET:65S/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/0U194$4@:'1M;"!054),24,@(BTO
M+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO
M+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L
M+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\
M<"!S='EL93TS1"=415A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U14
M3TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@
M1D].5#H@,3!P="\Q,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF
M.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'
M2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P<'@G/B!);G9E<W1M96YT('-E8W5R
M:71I97,@879A:6QA8FQE(&9O<B!S86QE.CPO<#X@/&1I=B!S='EL93TS1"=4
M15A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%
M.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@
M4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(
M5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N
M;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!
M1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)
M3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<]
M,T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N
M;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS
M1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU
M;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A
M;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE
M9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)
M1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$,S$^050@1$5#14U"15(@,S$L(#(P,3,\+W1D
M/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
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M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N
M;W)M86PG(&-O;'-P86X],T0W/E4N4RX@04=%3D-9($U/4E1'04=%+2!"04-+
M140@4T5#55))5$E%4SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&
M3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
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M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M
M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0W/E1/5$%,($E.5D535$U%3E0@
M4T5#55))5$E%4R!!5D%)3$%"3$4@1D]2(%-!3$4\+W1D/B`\+W1R/B`\='(^
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M<&%N/3-$,S$^*$E.(%1(3U5304Y$4RP@15A#15!4(%E)14Q$4RD\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@0T]35"!"05-)4SQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB
M<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB
M<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^(%=I=&AI;B`Q('EE87(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM)3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^+24\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/BTE/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM)3PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($%F=&5R(#$@>65A
M<B!B=70@=VET:&EN/&)R("\^(#4@>65A<G,\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXU+#DR-CPO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,2XU,#PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,2PX,3,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C0N-30\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C<L.3DT
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+C4V/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ-2PW,S,\+W-T<F]N9SX\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C$N.3`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
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M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,2PP,#`\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$N-#,\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$R+#,X,3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^,BXX.#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^,RPY.3@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$N
M.3$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$W+#,W.3PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,BXU.3PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($%F=&5R(#$P('EE87)S(&)U="!W
M:71H:6X@,34@>65A<G,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXV-"PS-#<\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(N-S0\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8T
M+#,T-SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,BXW-#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^($]V97(@,34@>65A<G,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
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M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
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M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(N-S0\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
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M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C0R+#DS.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXR+C<T/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS
M1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
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M/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C8L.3(V/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
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M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
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M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR+C<X/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^
M)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,2PY.3(\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
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M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C$N-C@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C$T,"PS.3@\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C(N-C,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&
M5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@1D%)4B!604Q513QB<B`O
M/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB
M<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB
M<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@5VET:&EN(#$@>65A<CPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C4L.#DX/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXQ+#DS-#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^-RPY-#<\+W-T<F]N9SX\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$U+#<W
M.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^($%F=&5R(#4@>65A<G,@8G5T('=I=&AI
M;B`Q,"!Y96%R<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/CDS-SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P
M.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3(L-S,U/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXS+#@Q-#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3<L-#@V/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($%F=&5R
M(#$P('EE87)S(&)U="!W:71H:6X@,34@>65A<G,\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXV-"PW-3$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8T+#<U,3PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@3W9E<B`Q-2!Y96%R<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M("9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXT,RPY-C(\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M("9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
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M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
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M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!4;W1A
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M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8L.#,U/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
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M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,2PW-C$\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G
M/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
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M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$T,2PY
M-S@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
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M3TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#PO=&%B;&4^(#PO9&EV/B`\<"!S='EL93TS1"=415A4+51204Y31D]2
M33H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'3CH@;&5F
M=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I;65S($YE
M=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#1P>#L@34%2
M1TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#(P
M<'@G/B!);G9E<W1M96YT('-E8W5R:71I97,@:&5L9"!T;R!M871U<FET>3H\
M+W`^(#QD:78@<W1Y;&4],T0G5$585"U!3$E'3CH@8V5N=&5R)SX@/'1A8FQE
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M041$24Y'+51/4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M
M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4
M.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@]
M,T0V,#@^(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@
M;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E
M<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#(S/D%4($1%0T5-
M0D52(#,Q+"`R,#$S/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4
M.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$-SY5+E,N($%'14Y#62!-3U)41T%'12U"
M04-+140@4T5#55))5$E%4SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0W/D-/4E!/4D%412!"3TY$4R!!3D0@3U1(15(\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%
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M15A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!&3TY4+5=%24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA
M;#L@5$585"U!3$E'3CH@8V5N=&5R.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VTG(&-O;'-P86X],T0R,SXH24X@5$A/55-!3D13+"!%6$-%4%0@64E%
M3$13*3PO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!#3U-4($)!4TE3/&)R("\^(#PO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F
M;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#
M14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/
M54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%
M3E0Z("TQ,'!T)SX@5VET:&EN(#$@>65A<CPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BTE/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXM)3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^+24\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U
M-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!!9G1E<B`Q('EE87(@8G5T('=I=&AI;B`U('EE87)S/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,RPP,#`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C$N-#8\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,L,#`P
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+C0V/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^($%F=&5R(#4@>65A<G,@8G5T('=I=&AI;B`Q
M,"!Y96%R<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C$L-S8P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXR+C$P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXQ+#<V,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^,BXQ,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($%F=&5R(#$P('EE87)S(&)U="!W:71H:6X@,34@>65A<G,\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXQ+#`Q,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^,RXQ-#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,2PP,3$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,N,30\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!/=F5R(#$U('EE87)S/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3`L.3$Q/"]S=')O
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M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C,N-#D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,2PU,#4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-"XU-#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXQ,BPT,38\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,RXV,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%!!1$1)3D<M3$5&5#H@,3!P=#L@
M5$585"U)3D1%3E0Z("TQ,'!T)SX@5&]T86P\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXQ,BPV-S$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,N,S`\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
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M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C4L-3$V
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
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M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^
M)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ."PQ.#<\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
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M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C,N,#D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!
M1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@1D%)4B!6
M04Q513QB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB
M<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C(L.38V/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR+#DV-CPO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G
M8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^($%F=&5R(#4@>65A<G,@8G5T('=I=&AI;B`Q,"!Y96%R<SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C$L-C$X/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#8Q.#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!!9G1E<B`Q,"!Y96%R<R!B=70@=VET:&EN(#$U('EE87)S/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^.#DQ/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXX.3$\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H
M,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($]V97(@
M,34@>65A<G,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXQ,"PX-C4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXQ+#0T.#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C$R+#,Q,SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[
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M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,BPT.#,\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
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M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG
M:'0G/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
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M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C4L
M,S`U/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXQ-RPW.#@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`F
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#
M14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\(2TM
M16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y38VAE9'5L92!O9B!);F9O
M<FUA=&EO;B!#;VYC97)N:6YG($EN=F5S=&UE;G1S('=I=&@@56YR96%L:7IE
M9"!,;W-S97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\(2TM
M1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@,2XP(%1R
M86YS:71I;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X:'1M;#$O
M1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\9&EV('-T
M>6QE/3-$)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2U3=&%R=$9R86=M96YT+2T^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&
M3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L
M969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@
M3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-
M05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@
M,C!P>"<^($EN=F5S=&UE;G0@<V5C=7)I=&EE<R!A=F%I;&%B;&4@9F]R('-A
M;&4Z/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT
M86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4
M:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N
M;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.
M4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]4
M5$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F
M=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)
M3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.
M1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I
M9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO
M;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$
M,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M
M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N
M/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D
M:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R
M/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!
M3$E'3CH@;&5F=#L@3$E.12U(14E'2%0Z(&YO<FUA;"<^("9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
M96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0W/DQ%4U,@
M5$A!3B`Q,B!-3TY42%,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@
M8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L
M)R!C;VQS<&%N/3-$-SXQ,B!-3TY42%,@3U(@3$].1T52/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@
M3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#<^5$]404P\+W1D/B`\
M+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#
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M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X]
M,T0S/D9!25(@5D%,544\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
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M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D9!25(@5D%,544\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%
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M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG
M(&-O;'-P86X],T0S/D9!25(@5D%,544\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
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M9V5N8WD\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXS+#@Q,CPO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#8T*3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^.3,X/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH-C(I/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXT+#<U,#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#$R-BD\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!5+E,N($%G96YC
M>2!M;W)T9V%G92UB86-K960\8G(@+SX@<V5C=7)I=&EE<SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0S+#0P,CPO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#$L,C(T*3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^-C8Y/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXH,RD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C0T+#`W,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#$L
M,C(W*3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^($-O<G!O<F%T92!B;VYD<SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8L
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M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@R,34I/"]S=')O;F<^/"]T
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M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C$L.38S/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
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M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@S
M-RD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^."PW-#`\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^*#(U,BD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P
M-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%
M1E0Z(#(P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^-3,L.3DQ/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO
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M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXS+#4W,#PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^*#$P,BD\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C4W+#4V,3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#$L-C`U*3PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QP('-T>6QE/3-$)U1%
M6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4
M+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R
M<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&
M5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4
M+4E.1$5.5#H@,C!P>"<^($EN=F5S=&UE;G0@<V5C=7)I=&EE<R!H96QD('1O
M(&UA='5R:71Y.CPO<#X@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT
M97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!
M34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%2
M24%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$
M24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)
M1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T
M.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@
M5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG
M/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A
M;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE
M9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q
M,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T
M9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!
M3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$
M-SY,15-3(%1(04X@,3(@34].5$A3/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
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M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
M96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0W/E1/5$%,
M/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O
M;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F
M;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L
M9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C
M;VQS<&%N/3-$,SY&04E2(%9!3%5%/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z
M(&YO<FUA;"<@8V]L<W!A;CTS1#,^54Y214%,25I%1"!,3U-315,\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N
M=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY&04E2(%9!
M3%5%/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
M.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M
M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS
M1#,^54Y214%,25I%1"!,3U-315,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$,SY&04E2(%9!3%5%/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^54Y214%,25I%1"!,3U-3
M15,\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M($-O<G!O<F%T92!B;VYD<R]T87AA8FQE(&UU;FEC:7!A;',@86YD(&]T:&5R
M('-E8W5R:71I97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXS+#@P,3PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#(P-2D\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/CDY-#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#8I/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXT+#<Y-3PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG
M/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#(Q
M,2D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%4N4RX@06=E;F-Y(&UO<G1G
M86=E+6)A8VME9"!S96-U<FET:65S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^."PW-C$\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^*#0W-RD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
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M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\
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M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@T-S<I/"]S
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M5&]T86P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^
M)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,BPU-C(\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
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M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N
M9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@V.#(I/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O
M;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXY.30\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
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M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N
M9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@V*3PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG
M/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3,L-34V/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O
M;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH-C@X*3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QP('-T>6QE
M/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T
M.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q
M,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)
M3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T
M.R!415A4+4E.1$5.5#H@,C!P>"<^(%1H92!F;VQL;W=I;F<@=&%B;&5S('!R
M97-E;G0@:6YF;W)M871I;VX@8V]N8V5R;FEN9R!I;G9E<W1M96YT<R!W:71H
M('5N<F5A;&EZ960@;&]S<V5S(&%S(&]F($1E8V5M8F5R(#,Q+"`R,#$R("AI
M;B!T:&]U<V%N9',I.CPO<#X@/'`@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ
M(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[
M(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@
M4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`T<'@[($U!4D=)
M3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`R,'!X
M)SX@26YV97-T;65N="!S96-U<FET:65S(&%V86EL86)L92!F;W(@<V%L93H\
M+W`^(#QD:78@<W1Y;&4],T0G5$585"U!3$E'3CH@8V5N=&5R)SX@/'1A8FQE
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M041$24Y'+51/4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M
M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4
M.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@]
M,T0V,#@^(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@
M;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
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M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O
M;'-P86X],T0W/C$R($U/3E1(4R!/4B!,3TY'15(\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
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M24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
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M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O
M;'-P86X],T0S/E5.4D5!3$E:140@3$]34T53/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
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M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT
M97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E5.4D5!3$E:
M140@3$]34T53/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
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M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N
M;W)M86PG(&-O;'-P86X],T0S/E5.4D5!3$E:140@3$]34T53/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!5+E,N($%G96YC
M>3PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXY.3,\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SXH-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/CDY,SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B@W/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%4N4RX@06=E;F-Y
M(&UO<G1G86=E+6)A8VME9"!S96-U<FET:65S/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#$L,30P/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXH.#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/C,T.3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^*#(\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@,2PT.#D\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B@Q,#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W
M:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,
M1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;W)P;W)A=&4@8F]N
M9',\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@-BPX.3@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!R:6=H="<^("@Q,#,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`M/"]T9#X@/'1D('-T>6QE
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M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`M/"]T9#X@
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M9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G
M/B`V+#@Y.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@*#$P,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#(P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Y+#`S,3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`H,3$X
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M<FEG:'0G/B`S-#D\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
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M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@*#(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L
M969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#DL,S@P/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^("@Q,C`\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/'`@<W1Y;&4]
M,T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[
M(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P
M<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.
M1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[
M(%1%6%0M24Y$14Y4.B`R,'!X)SX@26YV97-T;65N="!S96-U<FET:65S(&AE
M;&0@=&\@;6%T=7)I='DZ/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/
M3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].
M5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[
M(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$58
M5"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494
M.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@
M,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A
M9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C
M;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S
M<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0W/DQ%4U,@5$A!3B`Q,B!-3TY42%,\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&
M3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%
M24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$-SXQ,B!-3TY42%,@3U(@3$].1T52
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#<^
M5$]404P\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0S/D9!25(@5D%,544\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
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M;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D9!
M25(@5D%,544\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
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M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)
M1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D9!25(@5D%,544\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY53E)%04Q)6D5$
M($Q/4U-%4SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/
M3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;W)P;W)A
M=&4@8F]N9',@86YD(&]T:&5R('-E8W5R:71I97,\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!R:6=H="<^(#DV-3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^("@S-3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#DX,3PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M("@R,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M<FEG:'0G/B`R+#DT-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!R:6=H="<^("@U-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#(P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Y-C4\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS
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M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG
M:'0G/B`Q+#DX,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`H,C`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L
M969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#(L.30V/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^("@U-3PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\(2TM16YD1G)A
M9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*
M+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P
M-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T
M83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE
M970S-RYH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M
M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB
M=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P
M+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C
M:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@
M<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J
M+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S
M/3-$<F5P;W)T(&ED/3-$240P14U%/@T*("`@("`@/'1R/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG
M/DQ/04Y3("A486)L97,I/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/C$R($UO;G1H<R!%;F1E9#PO=&@^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#X\<W1R;VYG/DQ/04Y3(%M!8G-T<F%C=%T\+W-T<F]N9SX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-U;6UA<GD@;V8@
M3&]A;B!0;W)T9F]L:6\\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\(2TM1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@
M,2XP(%1R86YS:71I;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X
M:'1M;#$O1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\
M9&EV('-T>6QE/3-$)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2U3=&%R=$9R86=M96YT+2T^(#QT86)L92!S='EL93TS1"=&
M3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL
M(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/
M3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M
M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z
M(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P
M=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL
M<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-34T/B`\='(^
M(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D
M:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS
M<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&
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M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N
M;W)M86PG(&-O;'-P86X],T0W/D%4($1%0T5-0D52(#,Q+#PO=&0^(#PO='(^
M(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^
M,C`Q,SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
M(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X]
M,T0S/C(P,3(\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)
M6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@;&5F=#L@3$E.12U(14E'2%0Z(&YO
M<FUA;"<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=&3TY4+5-)6D4Z(#AP=#L@1D].5"U714E'2%0Z(&)O;&0[($Q)3D4M
M2$5)1TA4.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M)R!C;VQS<&%N/3-$-SXH24X@5$A/55-!3D13
M*3PO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R
M9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!#;VUM97)C:6%L/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3(P+#$P,CPO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`Q,#(L.#(R/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI
M=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-O
M;6UE<F-I86P@;&]A;G,@<V5C=7)E9"!B>2!R96%L(&5S=&%T93PO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0Q,2PV
M.3$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`S.#,L,S,Y/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$58
M5"U)3D1%3E0Z("TQ,'!T)SX@4F5A;"!E<W1A=&4M;6]R=&=A9V4\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR,S4L
M-C@Y/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,C$W+#4X-#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-O;G-U
M;65R/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
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M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q-RPT,C`\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M($QO86YS+"!N970@;V8@=6YE87)N960@:6YC;VUE/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^-S@S+#,T-CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`W,C$L,38U/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I
M=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT
M4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O
M;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X
M7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970S."YH=&UL#0I#
M;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#
M;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-
M"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N
M=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX
M)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ
M<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO
M:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED
M/3-$240P14A&04,^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^04Q,3U=!3D-%
M($9/4B!,3T%.($Q/4U-%4R`H5&%B;&5S*3QB<CX\+W-T<F]N9SX\+W1H/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,3XQ,B!-;VYT:',@
M16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!3$Q/5T%.0T4@1D]2($Q/
M04X@3$]34T53(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/E)O;&QF;W)W87)D(&]F('1H92!!;&QO=V%N
M8V4@9F]R($QO86X@3&]S<V5S(&)Y(%!O<G1F;VQI;R!396=M96YT/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/0U194$4@:'1M;"!0
M54),24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.
M(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A
M;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS1"=-24XM5TE$
M5$@Z(#<P.'!X.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM4W1A<G1&<F%G
M;65N="TM/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT
M86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4
M:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N
M;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.
M4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]4
M5$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F
M=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)
M3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.
M1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I
M9'1H/3-$-C`X/B`\='(^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\
M+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#
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M;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D)!
M3$%.0T4@050@1$5#14U"15(@,S$L(#(P,3(\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&
M3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%
M24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY#2$%21T4M/&)R("\^($]&1E,\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'
M3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY2
M14-/5D522453/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L
M<W!A;CTS1#,^4%)/5DE324].("A#4D5$250I/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(
M14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^0D%,04Y#12!!5"!$14-%34)%
M4B`S,2P@,C`Q,SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$
M+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
M15A4+4E.1$5.5#H@+3$P<'0G/B!#;VUM97)C:6%L/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R
M;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,BPU.38\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/B@U,"D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C@P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXR,3@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C(L.#0T/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI
M=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-O
M;6UE<F-I86P@;&]A;G,@<V5C=7)E9"!B>2!R96%L(&5S=&%T93PO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C<L-SDV
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH,2PW-S<I/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXT.#$\+W-T<F]N9SX\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/B@Q+#8Q-2D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C0L.#@U/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B
M*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z
M("TQ,'!T)SX@4F5A;"!E<W1A=&4M;6]R=&=A9V4\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#(V.3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#$S.2D\+W-T<F]N9SX\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C$R,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^.#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,2PR-C`\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S
M='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@
M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0V]N<W5M97(\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ-3`\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@Q-30I/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXW,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^-S`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$S
M-CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@
M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@06QL;V-A=&EO;B!F;W(@9V5N
M97)A;"!R:7-K/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
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M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXR,3D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
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M86P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,BPU-S$\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@R+#$R,"D\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
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M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N
M9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C<U,SPO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG
M/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#$L,3`P*3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R
M;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3`L,3`T/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/&1I=B!S
M='EL93TS1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G
M1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N
M+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&
M3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4
M+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0
M.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P
M<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L
M;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R
M/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE
M9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q
M,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T
M9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!
M3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$
M,SY"04Q!3D-%($%4($1%0T5-0D52(#,Q+"`R,#$Q/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^0TA!4D=%+3QB<B`O/B!/
M1D93/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
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M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG
M(&-O;'-P86X],T0S/E!23U9)4TE/3B`H0U)%1$E4*3PO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D)!3$%.0T4@050@1$5#
M14U"15(@,S$L(#(P,3(\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=6
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPS-C4\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#,T-3PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SXQ,S@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SXT,S@\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPU.38\+W1D/B`\
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M97-T871E/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#DL-#`P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#<Y-CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C(T-3PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^("@Q+#`U,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`W+#<Y-CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%)E86P@97-T871E+6UO<G1G86=E
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$L,C<P
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@*#0R,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C4T/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SXS-C4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#(V.3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!#;VYS=6UE<CPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/C$W-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^("@R,#`\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXT-SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^,3(Y/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ-3`\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/
M3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($%L;&]C871I;VX@9F]R(&=E;F5R86P@<FES:SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#0Q-#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@*#8U-#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#<V,#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z
M(#(P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q-"PV,C,\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
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M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S
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M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@<FEG:'0G/B`T.#0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
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M/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#<W-3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3(L-3<Q/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/&1I=B!S='EL93TS
M1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U3
M25I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE
M<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%
M24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%
M.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[
M(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!
M1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I
M;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N
M;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS
M1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU
M;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A
M;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE
M9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M
M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@
M8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY"04Q!
M3D-%($%4($1%0T5-0D52(#,Q+"`R,#$P/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'
M2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^0TA!4D=%+3QB<B`O/B!/1D93/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^4D5#
M3U9%4DE%4SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)
M6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0S/E!23U9)4TE/3B`H0U)%1$E4*3PO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)
M1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D)!3$%.0T4@050@1$5#14U"15(@
M,S$L(#(P,3$\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@,RPX-3$\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#DU,SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#
M14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SXX,S$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@*#$L,S8T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#,V-3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!#;VUM97)C:6%L(&QO86YS('-E8W5R960@8GD@<F5A;"!E
M<W1A=&4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M,3(L-S$W/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#$L-S`P/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^,S,Q
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@*#$L.30X/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#DL-#`P/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@
M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@4F5A;"!E<W1A=&4M;6]R=&=A
M9V4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PQ
M,3<\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B@X-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C4S/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SXQ.#4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#(W,#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!#;VYS=6UE<CPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/C(P-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^("@R,#,\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ-3D\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/C$R/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ-S0\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/
M3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($%L;&]C871I;VX@9F]R(&=E;F5R86P@<FES:SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#@W-#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@*#0V,#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
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M5#H@,C!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@5&]T86P\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#$Y+#<V-3PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G
M/B`H,BPY-#$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!R:6=H="<^(#$L,S<T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^("@S+#4W-3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL
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M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/"$M+45N
M9$9R86=M96YT+2T^/"]D:78^(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4W5M;6%R>2!O9B!0<FEM87)Y
M(%-E9VUE;G1S(&]F($QO86X@4&]R=&9O;&EO/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/"$M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S
M0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W
M=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T
M9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\9&EV
M('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS
M1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M
M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[
M($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/
M3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU4
M3U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T
M(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C
M96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\
M='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C
M;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\
M+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@
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M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X]
M,T0Q.3Y!5"!$14-%34)%4B`S,2P@,C`Q,SPO=&0^(#PO='(^(#QT<CX@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
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M+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
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M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
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M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0S/D-/3E-53452/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'
M2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^5$]404P\+W1D/B`\+W1R/B`\='(@
M<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/
M3E0M5T5)1TA4.B!B;VQD.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^($QO86YS.CQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($EN9&EV:61U86QL>2!E=F%L=6%T
M960@9F]R(&EM<&%I<FUE;G0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXS+#`P-3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-C$\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,L,#8V/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;VQL96-T:79E;'D@979A;'5A=&5D
M(&9O<B!I;7!A:7)M96YT/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3(P+#$P,CPO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT
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M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(S
M-2PV.#D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,34L.#`S/"]S=')O;F<^
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M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C<X,"PR.#`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!4;W1A;"!L;V%N<SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C$R,"PQ,#(\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C0Q,2PV.3$\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(S-2PV.#D\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
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M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$U+#@V-#PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-S@S+#,T-CPO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QD:78@<W1Y;&4]
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M.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[
M(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!
M1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I
M;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N
M;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS
M1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU
M;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A
M;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE
M9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)
M1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$,C,^050@1$5#14U"15(@,S$L(#(P,3,\+W1D
M/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
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M;F]R;6%L)R!C;VQS<&%N/3-$,C,^*$E.(%1(3U5304Y$4RD\+W1D/B`\+W1R
M/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM
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M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S
M/D-/34U%4D-)04P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L
M9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C
M;VQS<&%N/3-$,SY#3TU-15)#24%,($Q/04Y3(%-%0U52140@0ED@4D5!3"!%
M4U1!5$4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N
M/3-$,SY214%,/&)R("\^($535$%412T@34]25$=!1T4\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
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M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
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M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M
M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4
M.B!N;W)M86PG(&-O;'-P86X],T0S/E1/5$%,/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!&3TY4
M+5=%24=(5#H@8F]L9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!!;&QO=V%N8V4@9F]R(&QO86X@;&]S<V5S.CQB<B`O/B`\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%-P96-I9FEC(')E<V5R=F4@86QL
M;V-A=&EO;CPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C@Q,CPO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^.#$S/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B!'96YE<F%L(')E<V5R=F4@86QL;V-A=&EO;CPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(L
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M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0L,#<S/"]S=')O;F<^/"]T
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M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C$L,C8P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
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M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$S
M-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXY-SD\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^.2PR.3$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4
M+4E.1$5.5#H@+3$P<'0G/B!4;W1A;"!A;&QO=V%N8V4@9F]R(&QO86X@;&]S
M<V5S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,BPX-#0\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
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M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0L.#@U/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^
M)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#(V,#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG
M/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3,V/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^
M)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXY-SD\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
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M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$P+#$P-#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QD:78@<W1Y;&4]
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M.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0
M041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C
M:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0V,#@^(#QT<CX@/'1D
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@
M;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X]
M,T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I
M=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P
M86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M
M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#$Y/D%4
M($1%0T5-0D52(#,Q+"`R,#$R/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M
M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#$Y/BA)
M3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4
M.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY#3TU-15)#24%,/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
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M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(
M14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^4D5!3#QB<B`O/B!%4U1!5$4M
M($U/4E1'04=%/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L
M<W!A;CTS1#,^0T].4U5-15(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(
M5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)R!C;VQS<&%N/3-$,SY43U1!3#PO=&0^(#PO='(^(#QT<B!S='EL93TS
M1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,
M1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!,;V%N<SH\8G(@+SX@
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P
M.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H
M:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!)
M;F1I=FED=6%L;'D@979A;'5A=&5D(&9O<B!I;7!A:7)M96YT/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-"PW.3,\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^,3,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-"PX,#8\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/
M3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($-O;&QE8W1I=F5L>2!E=F%L=6%T960@9F]R(&EM<&%I<FUE;G0\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3`R
M+#@R,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,S<X+#4T-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,C$W+#4X-#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3<L
M-#`W/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
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M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@<FEG:'0G/B`W,38L,S4Y/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
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M3E0Z("TQ,'!T)SX@5&]T86P@;&]A;G,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!R:6=H="<^(#$P,BPX,C(\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,S@S+#,S.3PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG
M:'0G/B`R,3<L-3@T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!R:6=H="<^(#$W+#0R,#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`W,C$L,38U/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/&1I=B!S='EL93TS1"=4
M15A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!3
M97)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4
M.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO
M<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$
M1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.
M1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS
M1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO
M;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$
M,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M
M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N
M/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0R,SY!5"!$14-%34)%4B`S,2P@,C`Q,CPO=&0^(#PO
M='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
M.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M
M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS
M1#(S/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M
M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY#3TU-15)#24%,/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E
M;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^0T]-3452
M0TE!3"!,3T%.4R!314-54D5$($)9(%)%04P@15-4051%/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@
M3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^4D5!3#QB<B`O/B!%
M4U1!5$4M($U/4E1'04=%/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA
M;"<@8V]L<W!A;CTS1#,^0T].4U5-15(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY!3$Q/0T%424].($9/4B!'14Y%4D%,
M(%))4TL\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N
M/3-$,SY43U1!3#PO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$
M+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
M15A4+4E.1$5.5#H@+3$P<'0G/B!!;&QO=V%N8V4@9F]R(&QO86X@;&]S<V5S
M.CQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%-P96-I9FEC(')E
M<V5R=F4@86QL;V-A=&EO;CPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#$L-3@V/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#$L-3@V/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P
M-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!'96YE<F%L
M(')E<V5R=F4@86QL;V-A=&EO;CPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@<FEG:'0G/B`R+#4Y-CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-BPR,3`\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
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M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@<FEG:'0G/B`Q-3`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!R:6=H="<^(#<V,#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3`L.3@U/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%!!1$1)
M3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@5&]T86P@86QL
M;W=A;F-E(&9O<B!L;V%N(&QO<W-E<SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPU.38\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-RPW.38\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
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M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M,2PR-CD\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#
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M86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
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M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!R:6=H="<^(#<V,#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q,BPU-S$\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\(2TM16YD1G)A9VUE;G0M
M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y38VAE9'5L92!O9B!);7!A:7)E9"!,;V%N<R!B
M>2!#;&%S<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SPA+2U$
M3T-465!%(&AT;6P@4%5"3$E#("(M+R]7,T,O+T141"!82%1-3"`Q+C`@5')A
M;G-I=&EO;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N;W)G+U12+WAH=&UL,2]$
M5$0O>&AT;6PQ+71R86YS:71I;VYA;"YD=&0B("TM/CQD:78^(#QD:78@<W1Y
M;&4],T0G34E.+5=)1%1(.B`W,#AP>#L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+5-T87)T1G)A9VUE;G0M+3X@/&1I=B!S='EL93TS1"=415A4+4%,24=.
M.B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&
M3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/
M3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L
M.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%
M6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&
M5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z
M(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP
M861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0@8V]L<W!A;CTS1#,^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N
M;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS
M1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU
M;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A
M;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4
M.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(
M5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)R!C;VQS<&%N/3-$,3D^1$5#14U"15(@,S$L(#(P,3,\+W1D/B`\+W1R
M/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM
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M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0W
M/DE-4$%)4D5$($Q/04Y3(%=)5$@@4U!%0TE&24,@04Q,3U=!3D-%/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E
M;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^24U004E2
M140@3$]!3E,@5TE42"!.3R!34$5#249)0R!!3$Q/5T%.0T4\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
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M;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
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M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
M96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E)%3$%4
M140@04Q,3U=!3D-%/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/
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M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E)%0T]21$5$($E.5D53
M5$U%3E0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N
M/3-$,SY53E!!240@4%))3D-)4$%,($)!3$%.0T4\+W1D/B`\+W1R/B`\='(^
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M<&%N/3-$,3D^*$E.(%1(3U5304Y$4RD\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^($-O;6UE<F-I86P@;&]A;G,@<V5C=7)E
M9"!B>2!R96%L(&5S=&%T93PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,L,#`U/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXX,3(\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,L,#`U/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^
M)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXS+#$Q
M.#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@
M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0V]N<W5M97(\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXV
M,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
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M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-C$\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^-C$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C,L,#8V/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXX,3,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C,L,#8V/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXS+#$W.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
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M1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4
M.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL
M<&%D9&EN9STS1#`@=VED=&@],T0V,#@^(#QT<CX@/'1D/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#$Y/D1%0T5-0D52(#,Q+"`R
M,#$R/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG
M/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@
M8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L
M)R!C;VQS<&%N/3-$-SY)35!!25)%1"!,3T%.4R!7251((%-014-)1DE#($%,
M3$]704Y#13PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)
M6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0S/DE-4$%)4D5$($Q/04Y3(%=)5$@@3D\@4U!%0TE&24,@04Q,3U=!
M3D-%/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
M.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M
M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS
M1#<^5$]404P@24U004E2140@3$]!3E,\+W1D/B`\+W1R/B`\='(^(#QT9"!S
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M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([
M($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E)%0T]21$5$($E.
M5D535$U%3E0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
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M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)
M1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E)%0T]21$5$($E.5D535$U%3E0\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'
M3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY2
M14-/4D1%1"!)3E9%4U1-14Y4/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO
M<FUA;"<@8V]L<W!A;CTS1#,^54Y004E$(%!224Y#25!!3"!"04Q!3D-%/"]T
M9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S
M<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R
M;6%L.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;2<@8V]L<W!A;CTS1#$Y/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;VUM97)C:6%L
M(&QO86YS('-E8W5R960@8GD@<F5A;"!E<W1A=&4\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#0L,C,Y/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$L-3@V/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^-34T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#0L-SDS/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#0L.#4P/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B!#;VYS=6UE<CPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
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M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`M/"]T9#X@/'1D('-T>6QE/3-$
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M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q,SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M,3,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!R:6=H="<^(#$S/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="
M04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P
M="!D;W5B;&4[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@5&]T86P@:6UP86ER960@;&]A;G,\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!R:6=H="<^(#0L,C,Y/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#$L-3@V/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H
M="<^(#4V-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@<FEG:'0G/B`T+#@P-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`T+#@V,SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/"]T86)L93X@/"]D:78^(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV
M/B`\+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D%V97)A9V4@4F5C;W)D960@26YV97-T;65N="!I;B!);7!A
M:7)E9"!,;V%N<R!A;F0@4F5L871E9"!);G1E<F5S="!);F-O;64@4F5C;V=N
M:7IE9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SPA+2U$3T-4
M65!%(&AT;6P@4%5"3$E#("(M+R]7,T,O+T141"!82%1-3"`Q+C`@5')A;G-I
M=&EO;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N;W)G+U12+WAH=&UL,2]$5$0O
M>&AT;6PQ+71R86YS:71I;VYA;"YD=&0B("TM/CQD:78^(#QD:78@<W1Y;&4]
M,T0G34E.+5=)1%1(.B`W,#AP>#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
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M24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'
M+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$
M,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0V,#@^(#QT<CX@/'1D/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L
M969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@
M3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#$Q/EE%05(@14Y$140@
M1$5#14U"15(@,S$L/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4
M.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$S/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(
M14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,CPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C(P,3$\+W1D/B`\+W1R
M/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM
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M)R!C;VQS<&%N/3-$,3$^*$E.(%1(3U5304Y$4RD\+W1D/B`\+W1R/B`\='(@
M<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!
M1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@079E<F%G
M92!I;7!A:7)E9"!B86QA;F-E.CQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^($-O;6UE<F-I86P\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^
M)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,SPO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/C$S/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^-3`S/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/
M4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)
M3D1%3E0Z("TQ,'!T)SX@0V]M;65R8VEA;"!L;V%N<R!S96-U<F5D(&)Y(')E
M86P@97-T871E/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,BPT-3D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`S+#<U
M-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#0L-#<Y/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@
M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0V]N<W5M97(\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXS
M-SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@+3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L
M,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%!!1$1)3D<M
M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@079E<F%G92!I;G9E
M<W1M96YT(&EN(&EM<&%I<F5D(&QO86YS/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,BPU,#D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
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M/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,RPW-S`\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-"PY.#(\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S
M<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S
M='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;VUM97)C
M:6%L/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SXQ-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;VUM97)C:6%L(&QO86YS('-E8W5R
M960@8GD@<F5A;"!E<W1A=&4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^,34P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;VYS=6UE<CPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!R:6=H="<^("T\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^("T\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494
M.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!);G1E<F5S="!I;F-O;64@
M<F5C;V=N:7IE9"!O;B!A(&-A<V@@8F%S:7,@;VX@:6UP86ER960@;&]A;G,\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ-#PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`M/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H
M="<^(#$V-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"$M+45N9$9R
M86=M96YT+2T^/"]D:78^(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3&]A;B!0;W)T9F]L:6\@4W5M;6%R
M:7IE9"!B>2!#871E9V]R:65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/"$M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$(%A(
M5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O
M5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I
M=CX@/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\9&EV('-T>6QE/3-$
M)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)
M6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S
M+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)
M1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z
M(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@
M4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$
M1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN
M9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9"!C
M;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\
M+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@
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M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X]
M,T0Q.3Y$96-E;6)E<B`S,2P@,C`Q,SPO=&0^(#PO='(^(#QT<CX@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
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M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0S/E-50E-404Y$05)$/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO
M<FUA;"<@8V]L<W!A;CTS1#,^1$]50E1&54P\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
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M.B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&
M3TY4+5=%24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!
M3$E'3CH@8V5N=&5R.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O
M;'-P86X],T0Q.3XH24X@5$A/55-!3D13*3PO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;VUM97)C:6%L
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^,3`X+#8R,SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^."PX.#`\+W-T<F]N9SX\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(L-3DY/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,C`L,3`R/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@0V]M;65R8VEA;"!L;V%N<R!S96-U<F5D(&)Y(')E86P@97-T871E
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^,SDV+#<X.#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXV+#DV
M,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXW+#0X,CPO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXT-C`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-#$Q+#8Y
M,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)
M3D1%3E0Z("TQ,'!T)SX@5&]T86P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
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M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXQ-2PX-#$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
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M/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C$P+#`X,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^-#8P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
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M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A
M8FQE/B`\+V1I=CX@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT97(G
M/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,
M63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.
M5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'
M+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-
M05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$58
M5"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$
M,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS
M1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU
M;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A
M;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE
M9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)
M1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$,3D^1&5C96UB97(@,S$L(#(P,3(\+W1D/B`\
M+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#
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M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X]
M,T0S/E!!4U,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS
M<&%N/3-$,SY34$5#24%,($U%3E1)3TX\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
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M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([
M($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D1/54)41E5,/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^5$]4
M04P\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
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M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P
M-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@.3DL.#@V/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^,C@\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPY,#@\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#$P,BPX,C(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;VUM97)C:6%L(&QO86YS('-E
M8W5R960@8GD@<F5A;"!E<W1A=&4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,S0S+#@X-3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,C`L.#,V/"]T
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M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG
M:'0G/B`Q-RPP,3`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!R:6=H="<^(#$L-C`X/"]T9#X@/'1D('-T>6QE/3-$)U9%
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M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`S.#,L,S,Y/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R
M9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!4
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M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@-#0S+#<W,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`R,"PX-C0\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
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M(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3DL.3$X/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#$L
M-C`X/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!R:6=H="<^(#0X-BPQ-C$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^
M(#PO9&EV/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y097)F
M;W)M:6YG(&%N9"!.;VXM<&5R9F]R;6EN9R!/=71S=&%N9&EN9R!"86QA;F-E
M<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SPA+2U$3T-465!%
M(&AT;6P@4%5"3$E#("(M+R]7,T,O+T141"!82%1-3"`Q+C`@5')A;G-I=&EO
M;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N;W)G+U12+WAH=&UL,2]$5$0O>&AT
M;6PQ+71R86YS:71I;VYA;"YD=&0B("TM/CQD:78^(#QD:78@<W1Y;&4],T0G
M34E.+5=)1%1(.B`W,#AP>#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+5-T
M87)T1G)A9VUE;G0M+3X@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT
M97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!
M34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%2
M24%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$
M24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)
M1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T
M.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@
M5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG
M/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O
M;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N
M/3-$-SY$96-E;6)E<B`S,2P@,C`Q,SPO=&0^(#PO='(^(#QT<CX@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
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M;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/DY/
M3BT\8G(@+SX@4$521D]234E.1SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%24=(5#H@
M8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@8V5N=&5R
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X],T0W/BA)
M3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^(%)E86P@97-T871E+6UO<G1G86=E/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,C,T+#0U,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^,2PR,SD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
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M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;VYS=6UE
M<CPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C$U+#@P,SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXV,3PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H
M:71E(#-P="!D;W5B;&4[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%
M3E0Z("TQ,'!T)SX@5&]T86P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR-3`L
M,C4S/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ
M+#,P,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D
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M041$24Y'+51/4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M
M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4
M.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@]
M,T0V,#@^(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#<^1&5C96UB97(@,S$L(#(P
M,3(\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
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M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG
M(&-O;'-P86X],T0S/E!%4D9/4DU)3D<\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY.3TXM/&)R("\^(%!%4D9/4DU)3D<\
M+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@
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M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U
M-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!296%L(&5S=&%T92UM;W)T9V%G93PO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,C$V+#,Y,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#$Y,3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-O;G-U
M;65R/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H
M="<^(#$W+#0P-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@,3,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`R,S,L.#`P/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#$L
M,C`T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/"$M+45N
M9$9R86=M96YT+2T^/"]D:78^(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0VQA<W-E<R!O9B!,;V%N(%!O
M<G1F;VQI;R!B>2!!9VEN9R!#871E9V]R:65S/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/"$M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S
M0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W
M=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T
M9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\9&EV
M('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS
M1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M
M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[
M($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/
M3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU4
M3U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T
M(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C
M96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\
M='(^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO
M;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^
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M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([
M($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0R-SY$96-E;6)E<B`S
M,2P@,C`Q,SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
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M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)
M1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C,P)FYB<W`[+29N8G-P.S4Y($1!
M65,@4$%35"!$544\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L
M9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C
M;VQS<&%N/3-$,SXV,"9N8G-P.RTF;F)S<#LX.2!$05E3(%!!4U0@1%5%/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^.3`@
M1$%94R!005-4($1513PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&
M3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG
M(&-O;'-P86X],T0S/E1/5$%,(%!!4U0@1%5%/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(
M14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^5$]404P@3$]!3E,\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
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M969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4
M+5=%24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'
M3CH@8V5N=&5R.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P
M86X],T0R-SXH24X@5$A/55-!3D13*3PO=&0^(#PO='(^(#QT<B!S='EL93TS
M1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,
M1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;VUM97)C:6%L/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,3(P+#$P,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^,3(P+#$P,CPO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B!#;VUM97)C:6%L(&QO86YS('-E8W5R960@8GD@<F5A;"!E<W1A
M=&4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXT,3`L-C$Y/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXT
M-3<\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8Q-3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,2PP-S(\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C0Q,2PV.3$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S
M='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!296%L(&5S
M=&%T92UM;W)T9V%G93PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C(S,2PW-#`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C(L,C,R/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXV-S`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$L,#0W/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXS+#DT.3PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,C,U+#8X.3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H
M:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%
M1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-O;G-U;65R/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,34L.#`T/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
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M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,S/"]S=')O;F<^
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M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C(W/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
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M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^-C`\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
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M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
M<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M
M,3!P="<^(%1O=&%L/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\
M<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-S<X+#(V-3PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,BPW,C(\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
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M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8Y-SPO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,2PV-C(\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
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M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C4L,#@Q
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
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M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
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M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@
M/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y
M;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W
M(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N
M;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T
M.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)
M3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T
M(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P
M>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P
M.#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q
M,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M
M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L
M9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C
M;VQS<&%N/3-$,C<^1&5C96UB97(@,S$L(#(P,3(\+W1D/B`\+W1R/B`\='(^
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M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
M96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D-54E)%
M3E0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!
M3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$
M,SXS,"9N8G-P.RTF;F)S<#LU.2!$05E3(%!!4U0@1%5%/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@
M3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^-C`F;F)S<#LM)FYB
M<W`[.#D@1$%94R!005-4($1513PO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N
M;W)M86PG(&-O;'-P86X],T0S/CDP($1!65,@4$%35"!$544\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
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M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X]
M,T0S/E1/5$%,($Q/04Y3/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA
M;"<@8V]L<W!A;CTS1#,^.3`@1$%94R!005-4($1512!!3D0@4U1)3$P@04-#
M4E5)3D<\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
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M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B
M*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,3`R+#<W-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXT-SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SXT-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q,#(L.#(R/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!#;VUM97)C:6%L(&QO86YS('-E8W5R960@8GD@<F5A
M;"!E<W1A=&4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@,S<Y+#@S-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#(L-30U
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SXY-C`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`S+#4P-3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#,X,RPS,SD\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!296%L(&5S=&%T92UM;W)T9V%G93PO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R,3,L,S`P/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,RPR-#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C,P,SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^-S0Q
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@-"PR.#0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R,3<L-3@T/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$58
M5"U)3D1%3E0Z("TQ,'!T)SX@0V]N<W5M97(\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
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M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q-CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,S,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!R:6=H="<^("T\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
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M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q-RPT,C`\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H
M="<^("T\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^(%1O=&%L/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@<FEG:'0G/B`W,3,L,C@P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#,L,C4V/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#(L.3(X
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R
M:6=H="<^(#$L-S`Q/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!R:6=H="<^(#<L.#@U/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#<R,2PQ-C4\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
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M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#PA+2U%;F1&
M<F%G;65N="TM/CPO9&EV/B`\+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*
M#0HM+2TM+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T
M,S`W-C$S.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R
M8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3
M:&5E=#,Y+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E
M9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T
M/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT
M='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[
M(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP
M="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT
M("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA
M<W,],T1R97!O<G0@:60],T1)1#!%,4%!0SX-"B`@("`@(#QT<CX-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T
M<F]N9SY.3TXM4$521D]234E.1R!!4U-%5%,@24Y#3%5$24Y'(%123U5"3$5$
M($1%0E0@4D535%)50U154DE.1U,@*%1$4BD@*%1A8FQE<RD\8G(^/"]S=')O
M;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^
M,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T
M:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^3D].+5!%
M4D9/4DU)3D<@05-31513($E.0TQ51$E.1R!44D]50DQ%1"!$14)4(%)%4U12
M54-455))3D=3("A41%(I(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-C:&5D=6QE(&]F($YO;BUP97)F
M;W)M:6YG($%S<V5T<R!);F-L=61I;F<@5$12/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/"$M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S
M0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W
M=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T
M9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\=&%B
M;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM
M97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R
M;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&
M3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/
M33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[
M(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ
M("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%
M3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T
M:#TS1#4U-#X@/'1R/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)
M1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$-SY!5"!$14-%34)%4B`S,2P\+W1D/B`\+W1R
M/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM
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M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S
M/C(P,3,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N
M/3-$,SXR,#$R/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N
M;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%
M+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS1#<^*$E.(%1(3U5304Y$
M4RP@15A#15!4(%!%4D-%3E1!1T53*3PO=&0^(#PO='(^(#QT<B!S='EL93TS
M1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,
M1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!.;VXM86-C<G5A;"!L
M;V%N<SH\8G(@+SX@/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$
M)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
M15A4+4E.1$5.5#H@+3$P<'0G/B!#;VUM97)C:6%L/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R
M;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T
M+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!#;VUM97)C:6%L(&QO86YS('-E8W5R960@8GD@<F5A;"!E<W1A=&4\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXQ+#8S,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#0L-C(S/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@4F5A
M;"!E<W1A=&4M;6]R=&=A9V4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#(S.3PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@,2PQ.3$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%
M3E0Z("TQ,'!T)SX@5&]T86P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR+#@W,3PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@-2PX,30\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!/=&AE<B!R96%L(&5S=&%T92!O=VYE9#H\8G(@+SX@
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P
M.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^($-O;6UE<F-I86P@;&]A;G,@<V5C=7)E9"!B
M>2!R96%L(&5S=&%T93PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C,T-#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$L
M,3`Q/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z
M("TQ,'!T)SX@4F5A;"!E<W1A=&4M;6]R=&=A9V4\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXV-S,\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!R:6=H="<^(#$R-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
M15A4+4E.1$5.5#H@+3$P<'0G/B!4;W1A;#PO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$L,#$W/"]S=')O
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M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@<FEG:'0G/B`Q+#(R.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z
M("TQ,'!T)SX@5&]T86P@<F5S=')U8W1U<F5D(&QO86YS(&YO="!I;B!N;VXM
M86-C<G5A;"`H5$12*3PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(R,3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3@R
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/
M3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
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M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0L,3`Y/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^
M(#<L,C(T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^(%1O=&%L(&YO;BUP97)F;W)M:6YG(&%S<V5T<R!A<R!A
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C`N-3(E/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,2XP,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`E/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#PO=&%B;&4^(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV/B`\+V1I=CX\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/E-C:&5D=6QE(&]F(%1$4G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\(2TM1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A4
M34P@,2XP(%1R86YS:71I;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]4
M4B]X:'1M;#$O1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV
M/B`\9&EV('-T>6QE/3-$)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2U3=&%R=$9R86=M96YT+2T^(#QP('-T>6QE/3-$)U1%
M6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4
M+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R
M<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&
M5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4
M+4E.1$5.5#H@,C!P>"<^(%1H92!F;VQL;W=I;F<@=&%B;&4@9&5T86EL<R!T
M:&4@5$12<R!A="!$96-E;6)E<B`S,2P@,C`Q,R`H9&]L;&%R<R!I;B!T:&]U
M<V%N9',I+CPO<#X@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT97(G
M/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,
M63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.
M5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'
M+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-
M05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$58
M5"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$
M,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS
M1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU
M;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A
M;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
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M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)
M1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/B,@;V8@3&]A;G,\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY#=7)R96YT($)A
M;&%N8V4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N
M/3-$,SY#;VYC97-S:6]N($=R86YT960\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M
M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0V]M;65R8VEA;"!L
M;V%N('-E8W5R960@8GD@<F5A;"!E<W1A=&4\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SXR/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$L,C4P/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/D5X=&5N<VEO;B!O9B!M871U<FET>2!D871E/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/&1I=B!S='EL93TS
M1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U3
M25I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE
M<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%
M24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%
M.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[
M(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!
M1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I
M;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N
M;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS
M1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU
M;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@;&5F=#L@3$E.
M12U(14E'2%0Z(&YO<FUA;"<^($QO86YS(&EN(&%C8W)U86P@<W1A='5S/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
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M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M
M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4
M.B!N;W)M86PG(&-O;'-P86X],T0S/D-O;F-E<W-I;VX@1W)A;G1E9#PO=&0^
M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T
M+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!#;VUM97)C:6%L(&QO86X@<V5C=7)E9"!B>2!R96%L(&5S=&%T93PO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C(\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SXQ-C$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^17AT96YS:6]N(&]F(&UA='5R:71Y(&1A=&4\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="
M04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$58
M5"U)3D1%3E0Z("TQ,'!T)SX@0V]N<W5M97(\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SXR/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXV,3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SY%>'1E;G-I;VX@;V8@;6%T=7)I='D@9&%T93PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QP('-T>6QE/3-$
M)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!4
M15A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T
M+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M
M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!4
M15A4+4E.1$5.5#H@,C!P>"<^(%1H92!F;VQL;W=I;F<@=&%B;&4@9&5T86EL
M<R!T:&4@5$12<R!A="!$96-E;6)E<B`S,2P@,C`Q,B`H9&]L;&%R<R!I;B!T
M:&]U<V%N9',I+CPO<#X@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT
M97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!
M34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%2
M24%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$
M24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)
M1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T
M.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@
M5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG
M/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A
M;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE
M9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
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M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M
M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/B,@;V8@3&]A;G,\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N
M=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY#=7)R96YT
M($)A;&%N8V4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS
M<&%N/3-$,SY#;VYC97-S:6]N($=R86YT960\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)
M3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0V]M;65R8VEA
M;"!L;V%N('-E8W5R960@8GD@<F5A;"!E<W1A=&4\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXT/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#,L-S<R/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&QE9G0G/D5X=&5N<VEO;B!O9B!M871U<FET>2!D871E/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/&1I=B!S='EL
M93TS1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].
M5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4
M:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4
M+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-4
M64Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S
M<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[
M(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P
M86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\
M=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU
M;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A
M;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE
M9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@;&5F=#L@
M3$E.12U(14E'2%0Z(&YO<FUA;"<^($QO86YS(&EN(&%C8W)U86P@<W1A='5S
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
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M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O
M;'-P86X],T0S/D-U<G)E;G0@0F%L86YC93PO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)
M1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D-O;F-E<W-I;VX@1W)A;G1E9#PO
M=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H
M,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C(\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SXQ-CD\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^17AT96YS:6]N(&]F(&UA='5R:71Y(&1A
M=&4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS
M1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@
M5$585"U)3D1%3E0Z("TQ,'!T)SX@0V]N<W5M97(\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ,SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SY%>'1E;G-I;VX@;V8@;6%T=7)I='D@9&%T93PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QP('-T>6QE
M/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T
M.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q
M,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)
M3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T
M.R!415A4+4E.1$5.5#H@,C!P>"<^(%1H92!F;VQL;W=I;F<@=&%B;&4@9&5T
M86EL<R!T:&4@5$12<R!A="!$96-E;6)E<B`S,2P@,C`Q,2`H9&]L;&%R<R!I
M;B!T:&]U<V%N9',I+CPO<#X@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C
M96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4
M+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M
M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0
M041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M
M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@
M,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P
M=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D
M:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(
M5#H@8F]L9#L@5$585"U!3$E'3CH@;&5F=#L@3$E.12U(14E'2%0Z(&YO<FUA
M;"<^($QO86YS(&EN(&%C8W)U86P@<W1A='5S/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(
M14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^(R!O9B!,;V%N<SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0S/D-O;F-E<W-I;VX@1W)A;G1E9#PO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#;VUM97)C:6%L
M(&QO86X@<V5C=7)E9"!B>2!R96%L(&5S=&%T93PO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/C4\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPX-S`\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^17AT96YS:6]N(&]F(&UA='5R:71Y(&1A=&4\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\(2TM16YD1G)A
M9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y38VAE9'5L92!O9B!296-O<F1E9"!)
M;G9E<W1M96YT(&]F($1E9F%U;'1S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/"$M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$
M(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO
M<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^
M/&1I=CX@/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\=&%B;&4@<W1Y
M;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W
M(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N
M;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T
M.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)
M3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T
M(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P
M>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P
M.#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q
M,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O
M;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N
M/3-$,3$^665A<B!E;F1E9"!$96-E;6)E<B`S,2P\+W1D/B`\+W1R/B`\='(^
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M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
M96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C(P,3,\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'
M3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR
M,#$R/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
M.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M
M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS
M1#,^,C`Q,3PO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/
M3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@/'4^4F5C;W)D960@:6YV97-T;65N="!O9B!D969A=6QT<SPO=3X\
M8G(@+SX@/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R
M,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!
M1$1)3D<M3$5&5#H@,C!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0V]M;65R
M8VEA;"!L;V%N('-E8W5R960@8GD@<F5A;"!E<W1A=&4\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXQ+#0X,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!R:6=H="<^(#4Y-3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
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M5#H@,S!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@5&]T86P\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXQ+#0X,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`U.34\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
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M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M,2PS,3(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#
M14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PA+2U%;F1&<F%G
M;65N="TM/CPO9&EV/B`\+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-C:&5D=6QE(&]F($EN=&5R97-T($EN
M8V]M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SPA+2U$3T-4
M65!%(&AT;6P@4%5"3$E#("(M+R]7,T,O+T141"!82%1-3"`Q+C`@5')A;G-I
M=&EO;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N;W)G+U12+WAH=&UL,2]$5$0O
M>&AT;6PQ+71R86YS:71I;VYA;"YD=&0B("TM/CQD:78^(#QD:78@<W1Y;&4]
M,T0G34E.+5=)1%1(.B`W,#AP>#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+5-T87)T1G)A9VUE;G0M+3X@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C
M96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4
M+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M
M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0
M041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M
M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@
M,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P
M=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D
M:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M
M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$,3$^645!4B!%3D1%1"!$14-%34)%4B`S
M,2P\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
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M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG
M(&-O;'-P86X],T0S/C(P,3,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(
M5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)R!C;VQS<&%N/3-$,SXR,#$R/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z
M(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,3PO=&0^(#PO='(^(#QT<CX@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%
M24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@
M8V5N=&5R.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X]
M,T0Q,3XH24X@5$A/55-!3D13*3PO=&0^(#PO='(^(#QT<B!S='EL93TS1"="
M04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494
M.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!);G1E<F5S="!I;F-O;64@
M9'5E(&EN(&%C8V]R9&%N8V4@=VET:"!O<FEG:6YA;"!T97)M<SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C$W.#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C(S,3PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C,W-CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($EN=&5R97-T(&EN8V]M92!R96-O<F1E9#PO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!R:6=H="<^("T\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!R:6=H="<^("@Q-C<\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494
M.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!.970@<F5D=6-T:6]N(&EN
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M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$W.#PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@<FEG:'0G/B`R,S$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
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M/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,C`Y/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\+W1A8FQE/B`\+V1I=CX@/"$M+45N9$9R86=M96YT+2T^/"]D:78^(#PO
M9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A
M8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?
M.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT96YT
M+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X
M7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T-#`N:'1M;`T*0V]N=&5N
M="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N
M="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M
M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M
M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C
M<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@
M1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^
M#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$
M,$5-13X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L
M<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY04D5-25-%4R!!3D0@15%5
M25!-14Y4("A486)L97,I/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/C$R($UO;G1H<R!%;F1E9#PO=&@^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#X\<W1R;VYG/E!214U)4T53($%.1"!%455)4$U%3E0@6T%B
M<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^4V-H961U;&4@;V8@4')E;6ES97,@86YD($5Q=6EP;65N=#PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SPA+2U$3T-465!%(&AT;6P@
M4%5"3$E#("(M+R]7,T,O+T141"!82%1-3"`Q+C`@5')A;G-I=&EO;F%L+R]%
M3B(@(FAT='`Z+R]W=W<N=S,N;W)G+U12+WAH=&UL,2]$5$0O>&AT;6PQ+71R
M86YS:71I;VYA;"YD=&0B("TM/CQD:78^(#QD:78@<W1Y;&4],T0G34E.+5=)
M1%1(.B`W,#AP>#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+5-T87)T1G)A
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M(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4.B`P
M<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D
M9&EN9STS1#`@=VED=&@],T0U-30^(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O
M;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#<^
M050@1$5#14U"15(@,S$L/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)
M1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&
M3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%
M24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$S/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,CPO=&0^(#PO='(^
M(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!&3TY4+5=%24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG
M(&-O;'-P86X],T0W/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($QA;F0\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXQ+#(P.#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#(P.#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!0<F5M:7-E<SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(U+#<U,CPO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#(T+#0S,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U
M+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M($9U<FYI='5R92!A;F0@97%U:7!M96YT/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^."PY,3(\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`W+#4W,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^($QE87-E:&]L9"!I;7!R;W9E;65N=',\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXX,#,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#8Y,#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@5&]T86P@870@8V]S=#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C,V+#8W-3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#,S+#DP,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^($QE<W,Z($%C8W5M=6QA=&5D(&1E<')E8VEA=&EO
M;B!A;F0@86UO<G1I>F%T:6]N/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
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M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG
M:'0G/B`R,BPQ,#(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^($YE="!B;V]K('9A;'5E/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^,3,L,3$Y/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#$Q+#<Y.#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/"]T<CX@/"]T86)L93X@/"$M+45N9$9R86=M96YT+2T^/"]D:78^
M(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\
M+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A
M<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT
M96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y
M,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T-#$N:'1M;`T*0V]N
M=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N
M=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\
M:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E
M;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^
M/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^
M+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE
M860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS
M1$E$,$4Q04%#/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T
M;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/D1%4$]32513("A4
M86)L97,I/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1H(&-O;'-P86X],T0Q/C$R($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N
M(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#X\<W1R;VYG/D1%4$]32513(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-C:&5D=6QE(&]F($)A;&%N
M8V5S(&]F($1E<&]S:71S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/"$M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,
M(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O
M>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@
M/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\=&%B;&4@<W1Y;&4],T0G
M1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N
M+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&
M3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4
M+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0
M.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P
M<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L
M;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#4U-#X@/'1R
M/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE
M9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)
M1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$-SY!5"!$14-%34)%4B`S,2P\+W1D/B`\+W1R
M/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM
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M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S
M/C(P,3,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N
M/3-$,SXR,#$R/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N
M;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%
M+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS1#<^*$E.(%1(3U5304Y$
M4RD\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%
M3E0Z("TQ,'!T)SX@1&5M86YD.CQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'
M+4Q%1E0Z(#(P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($YO;BUI;G1E<F5S
M="!B96%R:6YG/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,34T+#`P,CPO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`Q-38L,C(S/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C@T+#DR-CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#8Q+#<W-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!3879I;F=S/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^.#<L-C4U/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@.#8L,3,U/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%
M3E0Z("TQ,'!T)SX@36]N97D@;6%R:V5T/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,C$Y+#@P,3PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#(Q-2PX-S`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M:6-A=&5S(&]F(&1E<&]S:70@:6X@9&5N;VUI;F%T:6]N<R!O9B`D,3`P+#`P
M,"!O<B!M;W)E/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^-#<L,C@W/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,S4L
M,S,Y/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
M15A4+4E.1$5.5#H@+3$P<'0G/B!/=&AE<B!T:6UE/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,C8P+#@U
M,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@,C@P+#,Y,SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L(&1E<&]S:71S/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^.#4T+#4R,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`X,S4L-S,T/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\(2TM16YD1G)A9VUE;G0M+3X\
M+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y38VAE9'5L92!O9B!);G1E<F5S="!%>'!E;G-E(&]N
M($1E<&]S:71S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M
M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4
M<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ
M+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S
M='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U3
M25I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE
M<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%
M24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%
M.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[
M(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!
M1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I
M;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#4U-#X@/'1R/B`\=&0^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N
M;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS
M1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU
M;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N
M=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,3$^645!4B!%
M3D1%1"!$14-%34)%4B`S,2P\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS
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M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M
M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C(P,3,\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$R/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E
M<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,3PO=&0^
M(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!&3TY4+5=%24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA
M;#L@5$585"U!3$E'3CH@8V5N=&5R.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VTG(&-O;'-P86X],T0Q,3XH24X@5$A/55-!3D13*3PO=&0^(#PO='(^
M(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR
M,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!)
M;G1E<F5S="!B96%R:6YG(&1E;6%N9#PO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$S.#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/C$Q-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C$U,SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!3879I;F=S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,3,Y/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ.#$\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/C(U-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P
M-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($UO
M;F5Y(&UA<FME=#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C<S-CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^.#DU/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,2PP-C,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M=&5S(&]F(&1E<&]S:70@:6X@9&5N;VUI;F%T:6]N<R!O9B`D,3`P+#`P,"!O
M<CQB<B`O/B!M;W)E/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^,C@Y/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXT,S4\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/C8S-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U
M+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M
M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@3W1H97(@=&EM93PO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\
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M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`T+#@W-3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-BPR
M,C8\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!4;W1A
M;"!I;G1E<F5S="!E>'!E;G-E/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-2PQ
M-C0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
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M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@-BPU,#(\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
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M(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@."PS,S4\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#PO='(^(#PO=&%B;&4^(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV/B`\
M+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/E-C:&5D=6QE(&]F($)A;&%N8V5S(&]F($1E<&]S:71S(&]F("0Q
M,#`L,#`P(&]R($UO<F4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\(2TM1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@
M,2XP(%1R86YS:71I;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X
M:'1M;#$O1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\
M9&EV('-T>6QE/3-$)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2U3=&%R=$9R86=M96YT+2T^(#QT86)L92!S='EL93TS1"=&
M3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL
M(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/
M3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M
M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z
M(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P
M=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL
M<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-34T/B`\='(^
M(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S
M<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
M=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@645!4CH\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N
M=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY/5$A%4B!4
M24U%($1%4$]32513/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/
M3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O
M;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@
M8V]L<W!A;CTS1#,^0T525$E&24-!5$53($]&($1%4$]3250@3T8@)#$P,"PP
M,#`@3U(@34]213PO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M
M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
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M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B`R,#$T/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,3(X+#<R-3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,S(L,3`Y/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@
M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@,C`Q-3PO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0R+#0Y-SPO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3,L,S$P/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^(#(P,38\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR,"PP,S,\+W-T<F]N9SX\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C$L-34Q/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/
M4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)
M3D1%3E0Z("TQ,'!T)SX@,C`Q-SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$Q+#8X-#PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^,C$W/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M(#(P,3@\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXQ,"PU-#$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#
M14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/
M54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^(#(P,3D@86YD(&%F=&5R/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
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M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C$P,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^,C8P+#@U,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^-#<L,C@W/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\+W1A8FQE/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y3
M8VAE9'5L92!O9B!-871U<FET:65S(&]F($1E<&]S:71S(&]F("0Q,#`L,#`P
M(&]R($UO<F4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\(2TM
M1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@,2XP(%1R
M86YS:71I;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X:'1M;#$O
M1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\9&EV('-T
M>6QE/3-$)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2U3=&%R=$9R86=M96YT+2T^(#QT86)L92!S='EL93TS1"=&3TY4+5-)
M6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S
M+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)
M1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z
M(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@
M4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$
M1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN
M9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-34T/B`\='(^(#QT9"!C
M;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS
M1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L
M)SX@34%455))3D<@24XZ/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA
M;"<@8V]L<W!A;CTS1#,^*$E.(%1(3U5304Y$4RD\+W1D/B`\+W1R/B`\='(@
M<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!
M1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@5&AR964@
M;6]N=&AS(&]R(&QE<W,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXW+#,Y.3PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C(P+#<V,SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($]V97(@<VEX('1H<F]U9V@@='=E;'9E(&UO;G1H<SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,L.30W/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%
M3E0Z("TQ,'!T)SX@3W9E<B!T=V5L=F4@;6]N=&AS/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
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M1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
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M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0W
M+#(X-SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"$M
M+45N9$9R86=M96YT+2T^/"]D:78^(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT
M;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR
M,#A?-S0S,#<V,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z
M+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE
M971S+U-H965T-#(N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@
M<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H
M87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%
M5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O
M:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A
M<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O
M;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L
M92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$5-13X-"B`@("`@(#QT<CX-"B`@
M("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^
M/'-T<F]N9SY32$]25"U415)-($)/4E)/5TE.1U,@*%1A8FQE<RD\8G(^/"]S
M=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS
M1#$^,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^
M/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4TA/
M4E0M5$5232!"3U)23U=)3D=3(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-C:&5D=6QE(&]F($)A;&%N
M8V5S(&%N9"!296QA=&5D($EN9F]R;6%T:6]N(&9O<B!&961E<F%L($9U;F1S
M(%!U<F-H87-E9"!A;F0@3W1H97(@4VAO<G0M=&5R;2!";W)R;W=I;F=S/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/0U194$4@:'1M
M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO
M+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M
M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS1"=-24XM
M5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM4W1A<G1&
M<F%G;65N="TM/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9
M.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4
M.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U4
M4D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M
M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@
M;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!
M4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4
M+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P
M('=I9'1H/3-$-34T/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$
M,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M
M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\
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M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT
M97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0W/D%4($1%0T5-
M0D52(#,Q+"`R,#$S/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4
M.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
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M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S
M/E-(3U)4+51%4DT@0D]24D]724Y'4SPO=&0^(#PO='(^(#QT<CX@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%24=(
M5#H@8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@8V5N
M=&5R.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X],T0W
M/BA)3B!42$]54T%.1%,L($580T505"!2051%4RD\+W1D/B`\+W1R/B`\='(@
M<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^
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M/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C0Q+#4U-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!-87AI;75M(&EN9&5B=&5D;F5S<R!A="!A;GD@;6]N=&@@96YD/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^-#$L-34U/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/
M4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)
M3D1%3E0Z("TQ,'!T)SX@079E<F%G92!B86QA;F-E(&1U<FEN9R!Y96%R/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M.34Y/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ-BPT.#(\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P
M=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@079E<F%G92!R871E('!A:60@9F]R
M('1H92!Y96%R/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,"XS-"4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C`N,C8E/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@26YT97)E<W0@<F%T92!O;B!Y96%R(&5N9"!B86QA;F-E/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,"XR-3PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#QD
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M+51/4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P
M<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G
M(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0U-30^
M(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'
M2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#<^050@1$5#14U"15(@,S$L(#(P,3(\
M+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@
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M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O
M;'-P86X],T0S/D9%1$5204P@1E5.1%,@4%520TA!4T5$/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@
M3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^4TA/4E0M5$5232!"
M3U)23U=)3D=3/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N
M;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%
M+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS1#<^*$E.(%1(3U5304Y$
M4RP@15A#15!4(%)!5$53*3PO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+
M1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!"86QA;F-E/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,34L-C8P/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^($UA>&EM=6T@:6YD96)T961N97-S(&%T(&%N>2!M;VYT
M:"!E;F0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,3DL-S4U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P
M-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@079E<F%G92!B86QA;F-E(&1U<FEN9R!Y96%R/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^,3$W/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M-2PR,C4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M('1H92!Y96%R/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#`N,S0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L
M969T)SX@)3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,"XR,#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`E/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!);G1E<F5S="!R871E(&]N('EE87(@96YD(&)A;&%N
M8V4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,"XR-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
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M(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4.B`P
M<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D
M9&EN9STS1#`@=VED=&@],T0U-30^(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O
M;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#<^
M050@1$5#14U"15(@,S$L(#(P,3$\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL
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M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D9%1$5204P@1E5.1%,@
M4%520TA!4T5$/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L
M<W!A;CTS1#,^3U1(15(@4TA/4E0M5$5232!"3U)23U=)3D=3/"]T9#X@/"]T
M<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M
M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!4
M15A4+4%,24=..B!C96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;2<@8V]L<W!A;CTS1#<^*$E.(%1(3U5304Y$4RP@15A#15!4(%)!5$53*3PO
M=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H
M,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B!"86QA;F-E/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,34L-S8U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($UA>&EM
M=6T@:6YD96)T961N97-S(&%T(&%N>2!M;VYT:"!E;F0\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,34L
M-S8U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M
M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@079E<F%G92!B86QA
M;F-E(&1U<FEN9R!Y96%R/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^-#D\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#$V-SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!!=F5R86=E(')A=&4@<&%I9"!F;W(@=&AE('EE87(\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,"XS,CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`E/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`P+C4Q/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^("4\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($EN=&5R
M97-T(')A=&4@;VX@>65A<BUE;F0@8F%L86YC93PO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`P+C,T/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@
M/"$M+45N9$9R86=M96YT+2T^/"]D:78^(#PO9&EV/CQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\
M+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X
M7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O
M+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K
M<VAE971S+U-H965T-#,N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN
M9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[
M(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@
M/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E
M>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J
M879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES
M($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT
M86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$5-13X-"B`@("`@(#QT<CX-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS
M1#(^/'-T<F]N9SY!1%9!3D-%4R!&4D]-($9%1$5204P@2$]-12!,3T%.($)!
M3DL@04Y$($=505)!3E1%140@2E5.24]2(%-50D]21$E.051%1"!$149%4E)!
M0DQ%($E.5$5215-4($1%0D5.5%5215,@*%1A8FQE<RD\8G(^/"]S=')O;F<^
M/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^,3(@
M36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^041604Y#15,@
M1E)/32!&141%4D%,($A/344@3$]!3B!"04Y+($%.1"!'54%204Y4145$($I5
M3DE/4B!354)/4D1)3D%4140@1$5&15)204),12!)3E1%4D535"!$14)%3E15
M4D53(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/E-C:&5D=6QE(&]F($)A;&%N8V5S(&%N9"!!9'9A;F-E
M<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SPA+2U$3T-465!%
M(&AT;6P@4%5"3$E#("(M+R]7,T,O+T141"!82%1-3"`Q+C`@5')A;G-I=&EO
M;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N;W)G+U12+WAH=&UL,2]$5$0O>&AT
M;6PQ+71R86YS:71I;VYA;"YD=&0B("TM/CQD:78^(#QD:78@<W1Y;&4],T0G
M34E.+5=)1%1(.B`W,#AP>#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+5-T
M87)T1G)A9VUE;G0M+3X@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT
M97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!
M34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%2
M24%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$
M24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)
M1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T
M.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@
M5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG
M/3-$,"!W:61T:#TS1#4U-#X@/'1R/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[
M($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$-SY!5"!$14-%34)%4B`S,2P@
M,C`Q,SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
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M;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E=%
M24=(5$5$($%615)!1T4@64E%3$0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$,SY"04Q!3D-%/"]T9#X@/"]T<CX@/'1R/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE
M9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M
M5T5)1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=.
M.B!C96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A
M;CTS1#<^*$E.(%1(3U5304Y$4RD\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&
M5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@3W9E<FYI9VAT/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,"XR
M-24\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T
M<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C0Q+#4U-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B`R,#$U/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,"XU
M,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-"PP,#`\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS
M1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,
M1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B`R,#$V/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,"XX,3PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3(L,#`P/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^(#(P,3<\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+C`W/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXW+#`P,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@,C`Q.#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C$N-#<\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,BPP,#`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$
M)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M
M,3!P="<^(%1O=&%L(&%D=F%N8V5S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,"XX.3PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXR-2PP,#`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U
M+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L($9(3$(@
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M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C`N-#DE/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXV-BPU-34\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\9&EV('-T>6QE/3-$)U1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z
M(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!3
M97)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4
M.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO
M<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$
M1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.
M1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS
M1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-34T/B`\='(^(#QT9#XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
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M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O
M;'-P86X],T0W/D%4($1%0T5-0D52(#,Q+"`R,#$R/"]T9#X@/"]T<CX@/'1R
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@;&5F=#L@3$E.12U(
M14E'2%0Z(&YO<FUA;"<^($U!5%5224Y'/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
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M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S
M/D)!3$%.0T4\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)
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M9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!/=F5R;FEG:'0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,"XR-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`E/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,34L-C8P/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^(#(P,34\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,"XU,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#0L,#`P/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$58
M5"U)3D1%3E0Z("TQ,'!T)SX@,C`Q-CPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`P+C<T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-2PP,#`\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+
M1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B`R,#$W/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!R
M:6=H="<^(#`N.3(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!R:6=H="<^(#0L,#`P/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L(&%D=F%N8V5S/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#`N
M-S,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!R:6=H="<^(#$S+#`P,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^(%1O=&%L($9(3$(@8F]R<F]W:6YG<SPO=&0^(#QT9"!S='EL
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`P+C0W/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^("4\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G
M/B`R."PV-C`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\
M(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO
M:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?
M.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O
M0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS
M:&5E=',O4VAE970T-"YH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG
M.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@
M8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\
M345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X
M="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA
M=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@
M0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A
M8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P13)&/@T*("`@("`@/'1R/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$
M,CX\<W1R;VYG/D1)4T-,3U-54D53($%"3U54($9!25(@5D%,544@345!4U52
M14U%3E13("A486)L97,I/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/C$R($UO;G1H<R!%;F1E9#PO=&@^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#X\<W1R;VYG/D1)4T-,3U-54D53($%"3U54($9!25(@5D%,
M544@345!4U5214U%3E13(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-C:&5D=6QE(&]F($%S<V5T<R!A
M;F0@3&EA8FEL:71I97,@365A<W5R960@;VX@4F5C=7)R:6YG($)A<VES/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/0U194$4@:'1M
M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO
M+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M
M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS1"=-24XM
M5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM4W1A<G1&
M<F%G;65N="TM/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9
M.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4
M.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U4
M4D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M
M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@
M;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!
M4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4
M+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P
M('=I9'1H/3-$-C`X/B`\='(^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D
M/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
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M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0Q
M-3Y&04E2(%9!3%5%($U%05-54D5-14Y44R!!5"!$14-%34)%4B`S,2P@,C`Q
M,R!54TE.1SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO
M<FUA;"<@8V]L<W!A;CTS1#,^5$]404P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY154]4140@4%))0T53($E.($%#5$E6
M12!-05)+1513($9/4B!)1$5.5$E#04P@05-31513/&)R("\^("A,159%3"`Q
M*3PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
M=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S
M/E-)1TY)1DE#04Y4($]42$52($]"4T525D%"3$4@24Y05513/&)R("\^("A,
M159%3"`R*3PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)
M6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0S/E-)1TY)1DE#04Y4(%5.3T)315)604),12!)3E!55%,\8G(@+SX@
M*$Q%5D5,(#,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B!!<W-E=',Z/&)R("\^(#PO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F
M;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#
M14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T
M+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@4$%$1$E.1RU,1494.B`R,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!5+E,N($%G96YC>2!S96-U<FET:65S/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG
M/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-BPX
M,S4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXV+#@S-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@
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M97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXQ,C,L,S@R/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXQ,C,L,S@R/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&
M5#H@,C!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0V]R<&]R871E(&)O;F1S
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,3$L-S8Q/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXQ,2PW-C$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\
M9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL
M93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@
M4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO
M;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[
M($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.
M1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@
M,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X
M)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X
M/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S
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M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M
M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0Q-3Y&04E2(%9!3%5%($U%05-5
M4D5-14Y44R!!5"!$14-%34)%4B`S,2P@,C`Q,B!54TE.1SPO=&0^(#PO='(^
M(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^
M5$]404P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N
M/3-$,SY154]4140@4%))0T53($E.($%#5$E612!-05)+1513($9/4B!)1$5.
M5$E#04P@05-31513/&)R("\^("A,159%3"`Q*3PO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M
M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E-)1TY)1DE#04Y4($]42$52
M($]"4T525D%"3$4@24Y05513/&)R("\^("A,159%3"`R*3PO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
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M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!!<W-E=',Z/&)R
M("\^(#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F
M;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS
M1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,
M1494.B`R,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!5+E,N($%G96YC>2!S
M96-U<FET:65S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`U
M+#DQ,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-2PY,3$\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#(P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^(%4N4RX@06=E;F-Y(&UO<G1G86=E+6)A8VME9"!S96-U
M<FET:65S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#$S-RPW,S4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q,S<L-S,U
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L
M,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%!!1$1)3D<M3$5&5#H@,C!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@
M0V]R<&]R871E(&)O;F1S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#<L.#DR/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M-RPX.3(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M86QU92!O9B!S=V%P(&%S<V5T/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^,38T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ
M-C0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U
M-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`R,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!&86ER('9A;'5E(&]F('-W87`@;&EA8FEL:71Y/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^,38T/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SXQ-C0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\(2TM16YD1G)A9VUE
M;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y38VAE9'5L92!O9B!!<W-E=',@365A<W5R
M960@870@1F%I<B!686QU92!O;B!.;VXM4F5C=7)R:6YG($)A<VES/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/0U194$4@:'1M;"!0
M54),24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.
M(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A
M;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL93TS1"=-24XM5TE$
M5$@Z(#<P.'!X.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM4W1A<G1&<F%G
M;65N="TM/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT
M86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4
M:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N
M;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.
M4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]4
M5$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F
M=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)
M3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.
M1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I
M9'1H/3-$-C`X/B`\='(^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\
M+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#
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M;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0Q-3Y&
M04E2(%9!3%5%($U%05-54D5-14Y44R!!5"!$14-%34)%4B`S,2P@,C`Q,R!5
M4TE.1SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
M.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L
M)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA
M;"<@8V]L<W!A;CTS1#,^5$]404P\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$,SY154]4140@4%))0T53($E.($%#5$E612!-
M05)+1513($9/4B!)1$5.5$E#04P@05-31513/&)R("\^("A,159%3"`Q*3PO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E-)
M1TY)1DE#04Y4($]42$52($]"4T525D%"3$4@24Y05513/&)R("\^("A,159%
M3"`R*3PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
M(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X]
M,T0S/E-)1TY)1DE#04Y4(%5.3T)315)604),12!)3E!55%,\8G(@+SX@*$Q%
M5D5,(#,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!!<W-E=',Z/&)R("\^(#PO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S
M<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U
M-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`R,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!);7!A:7)E9"!L;V%N<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(L,C4S/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C(L,C4S/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI
M=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!0041$24Y'+4Q%1E0Z(#(P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($]T
M:&5R(')E86P@97-T871E(&]W;F5D/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,2PP,3<\+W-T<F]N9SX\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C$L,#$W/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\+W1A8FQE/B`\+V1I=CX@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C
M96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4
M+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M
M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0
M041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M
M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@
M,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P
M=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D
M:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q
M,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T
M9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!
M3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$
M,34^1D%)4B!604Q512!-14%355)%345.5%,@050@1$5#14U"15(@,S$L(#(P
M,3(@55-)3D<\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)
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M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N
M;W)M86PG(&-O;'-P86X],T0S/E1/5$%,/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'
M2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^455/5$5$(%!224-%4R!)3B!!0U1)
M5D4@34%22T544R!&3U(@241%3E1)0T%,($%34T544SQB<B`O/B`H3$5614P@
M,2D\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!
M3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$
M,SY324=.249)0T%.5"!/5$A%4B!/0E-%4E9!0DQ%($E.4%544SQB<B`O/B`H
M3$5614P@,BD\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS
M<&%N/3-$,SY324=.249)0T%.5"!53D]"4T525D%"3$4@24Y05513/&)R("\^
M("A,159%3"`S*3PO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$
M+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z
M("TQ,'!T)SX@07-S971S.CQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P
M-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,C!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@26UP86ER960@;&]A;G,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#,L,C(P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M,RPR,C`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M960\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PR
M,C@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`Q+#(R.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L
M93X@/"]D:78^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0
M041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'
M+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4
M:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@
M4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^($1E8V5M
M8F5R(#,Q+"`R,#$S/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M
M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U6
M05))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!
M1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!
M3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P
M<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T
M.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I
M;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS
M<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C
M;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D
M/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@;&5F=#L@3$E.12U(14E'2%0Z(&YO<FUA;"<^("9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
M=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
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M+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
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M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X]
M,T0S/E9A;'5A=&EO;CQB<B`O/B!496-H;FEQ=65S/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^56YO8G-E<G9A8FQE/&)R
M("\^($EN<'5T/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
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M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!);7!A:7)E9"!L;V%N<SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C(L,C4S/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/D%P<')A:7-A;"!O
M9B!C;VQL871E<F%L/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#QS=7`^*#$I/"]S=7`^/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^07!P<F%I
M<V%L(&%D:G5S=&UE;G1S/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#QS=7`^*#(I/"]S=7`^/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^,"4@
M=&\@,S<E*#,P)2D\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B`F;F)S
M<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B!,:7%U:61A=&EO;B!E>'!E;G-E<SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\<W5P/B@R*3PO<W5P/CPA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&QE9G0G/C$E('1O(#$U)2@Q,"4I/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M($]T:&5R(')E86P@97-T871E(&]W;F5D/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,2PP,3<\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^07!P<F%I<V%L(&]F(&-O;&QA=&5R86P\<W5P/B@Q*2PH,RD\
M+W-U<#X\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^07!P<F%I<V%L(&%D:G5S=&UE;G1S/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#QS=7`^*#(I
M/"]S=7`^/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^,S$E('1O(#0X)2@S."4I/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@
M5$585"U)3D1%3E0Z("TQ,'!T)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@3&EQ=6ED871I
M;VX@97AP96YS97,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=.
M.B!L969T)SX@/'-U<#XH,BD\+W-U<#X\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SXQ)2!T;R`R
M,"4H,3`E*3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L
M93X@/"]D:78^(#QP('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0
M041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'
M+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4
M:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@-'!X.R!-05)'24XZ(#!P=#L@
M4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,C!P>"<^($1E8V5M
M8F5R(#,Q+"`R,#$R/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M
M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U6
M05))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!
M1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!
M3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P
M<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T
M.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I
M;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS
M<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C
M;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D
M/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
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M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
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M+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^1F%I<B!686QU92!%<W1I
M;6%T93PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
M(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X]
M,T0S/E9A;'5A=&EO;CQB<B`O/B!496-H;FEQ=65S/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^56YO8G-E<G9A8FQE/&)R
M("\^($EN<'5T/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L
M<W!A;CTS1#,^4F%N9V4H5V=T9"!!=F4I/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!);7!A:7)E9"!L;V%N<SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,RPR,C`\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M07!P<F%I<V%L(&]F(&-O;&QA=&5R86P\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!415A4+4%,24=..B!L969T)SX@/'-U<#XH,2D\+W-U<#X\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SY!<'!R86ES86P@861J=7-T;65N=',\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@/'-U<#XH,BD\+W-U<#X\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SXQ)2!T;R`S-24H,C`E*3PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R
M,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M
M,3!P="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S
M<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^($QI<75I9&%T:6]N(&5X<&5N<V5S/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#QS=7`^
M*#(I/"]S=7`^/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^,24@=&\@,34E*#$P)2D\+W1D/B`\
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M3E0Z("TQ,'!T)SX@3W1H97(@<F5A;"!E<W1A=&4@;W=N960\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PR,C@\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^07!P<F%I<V%L(&]F(&-O;&QA=&5R86P\<W5P/B@Q*2PH,RD\+W-U<#X\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^07!P<F%I<V%L(&%D:G5S=&UE;G1S/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#QS=7`^*#(I/"]S=7`^
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^,24@=&\@,C`E*#$U)2D\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B!,:7%U:61A=&EO;B!E>'!E
M;G-E<SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\<W5P/B@R*3PO<W5P/CPA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/C$E('1O(#(P)2@Q,"4I
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I
M=CX@/'1A8FQE('-T>6QE/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$
M24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/
M4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE
M<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ(#!P=#L@4$%$
M1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN
M9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$,3`P)3X@/'1R('-T>6QE
M/3-$)T9/3E0M4TE:13H@,3!P=#L@5D525$E#04PM04Q)1TXZ('1O<#L@1D].
M5"U714E'2%0Z(&YO<FUA;#L@1D].5"U35%E,13H@;F]R;6%L.R!415A4+4%,
M24=..B!L969T.R!,24Y%+4A%24=(5#H@,3)P="<^(#QT9"!S='EL93TS1"=7
M24142#H@,7!X)SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#(P
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M5"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q
M,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%
M1E0Z(#!P=#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$58
M5"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$
M,"!W:61T:#TS1#$P,"4^(#QT<B!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[
M(%9%4E1)0T%,+4%,24=..B!T;W`[($9/3E0M5T5)1TA4.B!N;W)M86P[($9/
M3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@3$E.12U(14E'
M2%0Z(#$R<'0G/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#%P>"<^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`R,'!X.R!415A4+4%,24=..B!L969T
M)SXH,BD\+W1D/B`\=&0@<W1Y;&4],T0G5$585"U!3$E'3CH@;&5F="<^07!P
M<F%I<V%L<R!M87D@8F4@861J=7-T960@8GD@;6%N86=E;65N="!F;W(@<75A
M;&ET871I=F4@9F%C=&]R<R!S=6-H(&%S(&5C;VYO;6EC(&-O;F1I=&EO;G,@
M86YD(&5S=&EM871E9"!L:7%U:61A=&EO;B!E>'!E;G-E<RX\+W1D/B`\+W1R
M/B`\+W1A8FQE/B`\=&%B;&4@<W1Y;&4],T0G5$585"U44D%.4T9/4DTZ(&YO
M;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!
M1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P="!4:6UE<R!.97<@4F]M
M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@
M,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E
M;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0Q,#`E/B`\
M='(@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!615)424-!3"U!3$E'3CH@
M=&]P.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!&3TY4+5-464Q%.B!N;W)M86P[
M(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B`Q,G!T)SX@/'1D('-T
M>6QE/3-$)U=)1%1(.B`Q<'@G/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@,C!P>#L@5$585"U!3$E'3CH@;&5F="<^*#,I/"]T9#X@/'1D('-T
M>6QE/3-$)U1%6%0M04Q)1TXZ(&QE9G0G/DEN8VQU9&5S('%U86QI=&%T:79E
M(&%D:G5S=&UE;G1S(&)Y(&UA;F%G96UE;G0@86YD(&5S=&EM871E9"!L:7%U
M:61A=&EO;B!E>'!E;G-E<RX\+W1D/B`\+W1R/B`\+W1A8FQE/B`\(2TM16YD
M1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-
M"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W
M-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S
M,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O
M4VAE970T-2YH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T
M960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E
M=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H
M='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL
M.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I
M<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N
M="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L
M87-S/3-$<F5P;W)T(&ED/3-$240P14U%/@T*("`@("`@/'1R/@T*("`@("`@
M("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R
M;VYG/D1)4T-,3U-54D53($%"3U54($9!25(@5D%,544@3T8@1DE.04Y#24%,
M($E.4U1254U%3E13("A486)L97,I/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/C$R($UO;G1H<R!%;F1E
M9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@
M8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D1)4T-,3U-54D53($%"3U54($9!
M25(@5D%,544@3T8@1DE.04Y#24%,($E.4U1254U%3E13(%M!8G-T<F%C=%T\
M+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-C
M:&5D=6QE(&]F($9I;F%N8VEA;"!);G-T<G5M96YT<SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SPA+2U$3T-465!%(&AT;6P@4%5"3$E#("(M
M+R]7,T,O+T141"!82%1-3"`Q+C`@5')A;G-I=&EO;F%L+R]%3B(@(FAT='`Z
M+R]W=W<N=S,N;W)G+U12+WAH=&UL,2]$5$0O>&AT;6PQ+71R86YS:71I;VYA
M;"YD=&0B("TM/CQD:78^(#QD:78@<W1Y;&4],T0G34E.+5=)1%1(.B`W,#AP
M>#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+5-T87)T1G)A9VUE;G0M+3X@
M/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y
M;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W
M(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N
M;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T
M.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)
M3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T
M(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P
M>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P
M.#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q
M,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG
M/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS
M<&%N/3-$,3D^070@1&5C96UB97(@,S$L(#(P,3,\+W1D/B`\+W1R/B`\='(^
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M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
M96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D-A<G)Y
M:6YG(%9A;'5E/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
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M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N
M;W)M86PG(&-O;'-P86X],T0S/BA,979E;"`Q*3PO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M
M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/BA,979E;"`R*3PO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT
M97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/BA,979E;"`S
M*3PO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/
M3E0M4TE:13H@.'!T.R!&3TY4+5=%24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z
M(&YO<FUA;#L@5$585"U!3$E'3CH@8V5N=&5R.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VTG(&-O;'-P86X],T0Q.3XH24X@5$A/55-!3D13*3PO=&0^
M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T
M+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!&24Y!3D-)04P@05-31513.CQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB
M<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@
M<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-A<V@@86YD(&-A<V@@97%U
M:79A;&5N=',\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXS,"PP-C8\+W-T<F]N9SX\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,P+#`V-CPO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,S`L,#8V/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M
M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@26YV97-T;65N="!S
M96-U<FET:65S)FYB<W`[+29N8G-P.T%&4SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$T,2PY-S@\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$T,2PY-S@\+W-T<F]N9SX\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C$T,2PY-S@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M:65S)FYB<W`[+29N8G-P.TA433PO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$X+#$X-SPO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^,3<L-S@X/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ-"PX
M,C(\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(L.38V/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C8L.#`R/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXV
M+#@P,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-BPX,#(\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,L-#`R/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXS+#0U,SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^,RPT-3,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+
M1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!,;V%N<RP@;F5T(&]F(&%L;&]W
M86YC92!F;W(@;&]A;B!L;W-S(&%N9"!U;F5A<FYE9"!I;F-O;64\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXW-S,L
M,C0R/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXW-S$L-#8P/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXW-S$L-#8P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($%C8W)U
M960@:6YT97)E<W0@:6YC;VUE(')E8V5I=F%B;&4\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR+#DP.#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,BPY,#@\+W-T<F]N9SX\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C(L.3`X/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXM/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C,V+#8V.3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,S8L-C8Y/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXS-BPV-CD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+
M1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)
M3D1%3E0Z("TQ,'!T)SX@1DE.04Y#24%,($Q)04))3$E42453.CQB<B`O/B`\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B
M*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z
M("TQ,'!T)SX@1&5P;W-I=',@=VET:"!N;R!S=&%T960@;6%T=7)I=&EE<SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C4T-BPS.#0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C4T-BPS.#0\+W-T<F]N9SX\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C4T-BPS.#0\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C,P."PQ,S@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,Q
M,RPR-S(\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C,Q,RPR-S(\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!3:&]R="UT97)M(&)O<G)O=VEN9W,\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXT,2PU-34\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0Q+#4U-3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^-#$L-34U/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXM/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($%L;"!O=&AE<B!B
M;W)R;W=I;F=S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,S@L,#@U/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXT,"PU.3@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C0P+#4Y.#PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^($%C8W)U960@:6YT97)E<W0@<&%Y86)L93PO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C$L-S@T/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#<X-#PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,2PW.#0\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[
M($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@
M1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M
M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@
M5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,
M1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(
M5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L
M;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT
M9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@;&5F
M=#L@3$E.12U(14E'2%0Z(&YO<FUA;"<^("9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0Q.3Y!="!$96-E;6)E<B`S
M,2P@,C`Q,CPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO
M<FUA;"<@8V]L<W!A;CTS1#,^0V%R<GEI;F<@5F%L=64\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY&86ER(%9A;'5E/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^*$QE
M=F5L(#$I/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A
M;CTS1#,^*$QE=F5L(#(I/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA
M;"<@8V]L<W!A;CTS1#,^*$QE=F5L(#,I/"]T9#X@/"]T<CX@/'1R/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[
M($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)
M1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C
M96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS
M1#$Y/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($9)3D%.0TE!3"!!4U-%5%,Z
M/&)R("\^(#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,C8L.#(P/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#(V+#@R,#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`R-BPX,C`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^($EN=F5S=&UE;G0@<V5C=7)I=&EE<R9N8G-P
M.RTF;F)S<#M!1E,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,34Q+#4S.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$U,2PU,S@\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`Q-3$L-3,X/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^($EN=F5S=&UE;G0@<V5C=7)I=&EE<R9N8G-P.RTF
M;F)S<#M(5$T\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@,3,L-S(S/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,30L,C8V/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,3$L,S(Q/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPY-#4\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+
M1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!296=U;&%T;W)Y('-T;V-K/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#8L,S`T/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@-BPS,#0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`V+#,P-#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!,;V%N
M<R!H96QD(&9O<B!S86QE/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#$P+#4W-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$P+#<R,CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#$P+#<R,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($QO86YS+"!N970@;V8@86QL
M;W=A;F-E(&9O<B!L;V%N(&QO<W,@86YD('5N96%R;F5D(&EN8V]M93PO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`W,#@L-3DT/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@-S$V+#<U-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#<Q-BPW-38\+W1D/B`\=&0@<W1Y;&4],T0G
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#DV,#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#(L.38P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPY-C`\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^
M(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR
M,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!"
M86YK(&]W;F5D(&QI9F4@:6YS=7)A;F-E/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#,V+#(Q-#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#,V+#(Q
M-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#,V+#(Q-#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!&86ER('9A;'5E('-W87`@87-S
M970\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ-C0\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/C$V-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M,38T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@1DE.04Y#24%,($Q)04))3$E42453.CQB<B`O/B`\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%
M1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($1E<&]S:71S('=I=&@@
M;F\@<W1A=&5D(&UA='5R:71I97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#4R,"PP,#(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-3(P+#`P,CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`U
M,C`L,#`R/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R
M9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!$97!O<VET<R!W:71H('-T871E9"!M871U<FET:65S/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#,Q-2PW,S(\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`S,C`L.3,P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,S(P+#DS,#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!3:&]R="UT97)M(&)O<G)O=VEN9W,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@,34L-C8P/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,34L-C8P
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,34L-C8P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)
M3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@06QL(&]T:&5R
M(&)O<G)O=VEN9W,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,C8L,#@U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,S`L-#0R/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,S`L-#0R/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^($%C8W)U960@:6YT97)E<W0@<&%Y86)L93PO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#`X,SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#(L,#@S/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPP.#,\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U
M-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!&86ER('9A;'5E('-W87`@;&EA8FEL:71Y/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^,38T/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ-C0\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C$V-#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^
M(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV/B`\+V1I=CX\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*
M/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?-#DW
M.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO
M+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R
M:W-H965T<R]3:&5E=#0V+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I
M;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL
M.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@
M(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T
M97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O
M:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI
M<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\
M=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%,4%!0SX-"B`@("`@(#QT
M<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A
M;CTS1#(^/'-T<F]N9SY)3D-/344@5$%815,@*%1A8FQE<RD\8G(^/"]S=')O
M;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^
M,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T
M:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^24Y#3TU%
M(%1!6$53(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E-C:&5D=6QE(&]F($5X<&5N<V4@9F]R($EN8V]M
M92!487AE<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SPA+2U$
M3T-465!%(&AT;6P@4%5"3$E#("(M+R]7,T,O+T141"!82%1-3"`Q+C`@5')A
M;G-I=&EO;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N;W)G+U12+WAH=&UL,2]$
M5$0O>&AT;6PQ+71R86YS:71I;VYA;"YD=&0B("TM/CQD:78^(#QD:78@<W1Y
M;&4],T0G34E.+5=)1%1(.B`W,#AP>#L@5$585"U!3$E'3CH@8V5N=&5R)SX@
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M041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$
M24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG
M/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0U-30^(#QT<CX@/'1D(&-O
M;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'
M2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#$Q/EE%05(@14Y$140@1$5#14U"15(@
M,S$L/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG
M/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@
M8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L
M)R!C;VQS<&%N/3-$,SXR,#$S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO
M<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,CPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M
M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4
M.B!N;W)M86PG(&-O;'-P86X],T0S/C(P,3$\+W1D/B`\+W1R/B`\='(^(#QT
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M/3-$,3$^*$E.(%1(3U5304Y$4RD\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C$S.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C$T,#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/CDU/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@1&5F97)R960\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXR+#$U,#PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPQ
M,#$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
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M1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
M15A4+4E.1$5.5#H@+3$P<'0G/B!);F-O;64@=&%X(&5X<&5N<V4\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXR+#(X.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#(T,3PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG
M:'0G/B`R+#@U,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"$M+45N
M9$9R86=M96YT+2T^/"]D:78^(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4V-H961U;&4@;V8@4F5C;VYC
M:6QI871I;VX@0F5T=V5E;B!&961E<F%L(%-T871U=&]R>2!487@@4F%T92!A
M;F0@169F96-T:79E($EN8V]M92!487@@4F%T93PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SPA+2U$3T-465!%(&AT;6P@4%5"3$E#("(M+R]7
M,T,O+T141"!82%1-3"`Q+C`@5')A;G-I=&EO;F%L+R]%3B(@(FAT='`Z+R]W
M=W<N=S,N;W)G+U12+WAH=&UL,2]$5$0O>&AT;6PQ+71R86YS:71I;VYA;"YD
M=&0B("TM/CQD:78^(#QD:78@<W1Y;&4],T0G34E.+5=)1%1(.B`W,#AP>#L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+5-T87)T1G)A9VUE;G0M+3X@/&1I
M=B!S='EL93TS1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4]
M,T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O
M;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE
M.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&
M3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M
M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P
M="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@
M8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@
M/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q
M,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[
M($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,C,^645!4B!%3D1%1"!$14-%
M34)%4B`S,2P\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)
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M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N
M;W)M86PG(&-O;'-P86X],T0W/C(P,3,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$-SXR,#$R/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(
M14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#<^,C`Q,3PO=&0^(#PO='(^(#QT
M<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^04U/
M54Y4/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
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M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG
M(&-O;'-P86X],T0S/E)!5$4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(
M5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)R!C;VQS<&%N/3-$,SY!34]53E0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY2051%/"]T9#X@/"]T<CX@/'1R/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE
M9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M
M5T5)1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=.
M.B!C96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A
M;CTS1#(S/BA)3B!42$]54T%.1%,L($580T505"!015)#14Y404=%4RD\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($EN8V]M
M92!T87@@97AP96YS92!B87-E9"!O;B!F961E<F%L('-T871U=&]R>2!R871E
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^,BPU-#0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C,T+C`E/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#(L-#<U/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,S0N,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`E/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,RPQ.3,\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`S-"XP
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("4\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$
M)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%
M1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1A>"!E>&5M<'0@:6YC
M;VUE/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^*#,U.2D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@T
M+C@I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#,Q-3PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`H-"XS/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^("@S,C4\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#,N
M-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS
M1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B!/=&AE<CPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$P-#PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXQ+C0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
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M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+C$\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M("@Q-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!R:6=H="<^("@P+C$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!4;W1A;"!E>'!E;G-E(&9O<B!I;F-O
M;64@=&%X97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O
M;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR+#(X.3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,S`N-B4\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPR
M-#$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
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M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@<FEG:'0G/B`S,"XX/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F
M="<^("4\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#@U,SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#,P
M+C0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@)3PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/"$M+45N
M9$9R86=M96YT+2T^/"]D:78^(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4V-H961U;&4@;V8@1&5F97)R
M960@5&%X($%S<V5T<R!A;F0@3&EA8FEL:71I97,\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\(2TM1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O
M5S-#+R]$5$0@6$A434P@,2XP(%1R86YS:71I;VYA;"\O14XB(")H='1P.B\O
M=W=W+G<S+F]R9R]44B]X:'1M;#$O1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN
M9'1D(B`M+3X\9&EV/B`\9&EV('-T>6QE/3-$)TU)3BU724142#H@-S`X<'@[
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M+51/4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P
M<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G
M(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0U-30^
M(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'
M2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#<^050@1$5#14U"15(@,S$L/"]T9#X@
M/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N
M/3-$,SXR,#$S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L
M<W!A;CTS1#,^,C`Q,CPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/
M3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%24=(5#H@8F]L9#L@
M3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@8V5N=&5R.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X],T0W/BA)3B!42$]5
M4T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^($1%1D524D5$(%1!6"!!4U-%5%,Z/&)R("\^(#PO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T
M<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C,L-#,W/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#0L,C<T/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/
M4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,C!P=#L@5$585"U)
M3D1%3E0Z("TQ,'!T)SX@56YF=6YD960@8V]M;6ET;65N="!R97-E<G9E/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,C8T/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXR,C$\+W1D/B`\=&0@<W1Y;&4]
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$L.#,R/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,2PV,C8\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U
M-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`R,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!!8V-R=65D('!E;G-I;VX@;V)L:6=A=&EO;CPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$L-#8R/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,BPY,38\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M97)A=&EN9R!L;W-S(&-A<G)Y9F]R=V%R9',\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#,P-SPO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#(L.#@S/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$L-S0Y/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PV,S4\+W1D/B`\=&0@<W1Y;&4],T0G
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M1494.B`R,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!/=&AE<CPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C,Y,SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,S8X/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z
M(#,P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L('1A>"!A<W-E=',\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXQ,"PT-#0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#$S+#DR,SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI
M=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($1%
M1D524D5$(%1!6"!,24%"24Q)5$E%4SH\8G(@+SX@/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#(P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($EN=F5S=&UE;G0@86-C<F5T:6]N/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#$X*3PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^*#(X/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,
M1494.B`R,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!5;G)E86QI>F5D(&EN
M=F5S=&UE;G0@<V5C=7)I='D@9V%I;G,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH-30U*3PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^("@R+#$S,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U
M-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'
M+4Q%1E0Z(#(P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($]T:&5R/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^*#,P.2D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!R:6=H="<^("@R.34\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`S,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!4;W1A;"!T87@@;&EA8FEL:71I97,\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXH.#<R*3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#(L-#4V/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B
M*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
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M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/CDL
M-3<R/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!R:6=H="<^(#$Q+#0V-SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/"]T86)L93X@/"]D:78^(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV/B`\+V1I
M=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E-C:&5D=6QE(&]F($-H86YG92!I;B!.970@1&5F97)R960@5&%X($%S
M<V5T<R!A;F0@3&EA8FEL:71I97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\(2TM1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@
M6$A434P@,2XP(%1R86YS:71I;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R
M9R]44B]X:'1M;#$O1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\
M9&EV/B`\9&EV('-T>6QE/3-$)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2U3=&%R=$9R86=M96YT+2T^(#QT86)L92!S='EL
M93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@
M4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO
M;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[
M($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.
M1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@
M,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X
M)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-34T
M/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL
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M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)
M1TA4.B!N;W)M86PG(&-O;'-P86X],T0W/EE%05(@14Y$140@1$5#14U"15(@
M,S$L/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG
M/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@
M8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L
M)R!C;VQS<&%N/3-$,SXR,#$S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO
M<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,CPO=&0^(#PO='(^(#QT<CX@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%24=(
M5#H@8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@8V5N
M=&5R.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X],T0W
M/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%5N<F5A;&EZ960@9V%I;G,@<F5C
M;V=N:7IE9"!I;B!C;VUP<F5H96YS:79E(&EN8V]M93PO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T
M<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C$L-3DU/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^,38R/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@Q+#,T,"D\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/C<R-3PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R
M,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!
M1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@1&5F97)R
M960@<')O=FES:6]N(&9O<B!I;F-O;64@=&%X97,\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH,BPQ-3`I
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
M15)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`H,BPQ,#$\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#-P="!D;W5B;&4[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$58
M5"U)3D1%3E0Z("TQ,'!T)SX@3F5T(&1E8W)E87-E/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^*#$L.#DU*3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`H,2PR,30\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I
M=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT
M4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O
M;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X
M7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970T-RYH=&UL#0I#
M;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#
M;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-
M"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N
M=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX
M)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ
M<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO
M:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED
M/3-$240P155*04,^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^14U03$]9144@
M0D5.149)5"!03$%.4R`H5&%B;&5S*3QB<CX\+W-T<F]N9SX\+W1H/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,3XQ,B!-;VYT:',@16YD
M960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H
M(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY%35!,3UE%12!"14Y%1DE4(%!,
M04Y3(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/E-C:&5D=6QE(&]F($-H86YG97,@:6X@0F5N969I="!/
M8FQI9V%T:6]N<R!A;F0@4&QA;B!!<W-E=',@86YD($9U;F1E9"!3=&%T=7,\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\(2TM1$]#5%E012!H
M=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@,2XP(%1R86YS:71I;VYA
M;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X:'1M;#$O1%1$+WAH=&UL
M,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\9&EV('-T>6QE/3-$)TU)
M3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2U3=&%R
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M34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%
M6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS
M1#`@=VED=&@],T0U-30^(#QT<CX@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(
M14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#<^645!4B!%3D1%1"!$14-%34)%
M4B`S,2P\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0S/C(P,3,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$R/"]T9#X@/"]T<CX@/'1R/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[
M($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)
M1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C
M96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS
M1#<^*$E.(%1(3U5304Y$4RD\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@
M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0TA!3D=%($E.($)%3D5&250@
M3T),24=!5$E/3CH\8G(@+SX@/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P
M.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!"96YE9FET(&]B;&EG871I;VX@
M870@8F5G:6YN:6YG(&]F('EE87(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR.2PX-#0\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,C4L-S`Y/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P
M-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ
M,'!T)SX@4V5R=FEC92!C;W-T/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,2PW,#,\+W-T<F]N9SX\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`Q+#4Y,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494
M.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!);G1E<F5S="!C;W-T/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,2PQ.#D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#(S-#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^($%C='5A<FEA;"`H9V%I;BD@;&]S<SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@W
M-3<I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPX.#(\+W1D/B`\=&0@<W1Y
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M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!"96YE9FET
M<R!P86ED/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^*#$L-S,P*3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#$L-3<T
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!"96YE9FET(&]B;&EG871I;VX@870@96YD(&]F('EE87(\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXS,"PR-#D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!R:6=H="<^(#(Y+#@T-#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-(04Y'12!)
M3B!03$%.($%34T544SH\8G(@+SX@/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N
M8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($9A:7(@
M=F%L=64@;V8@<&QA;B!A<W-E=',@870@8F5G:6YN:6YG(&]F('EE87(\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR
M,2PS-C@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q."PQ.#`\+W1D/B`\=&0@
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,L.#4P
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPQ-C(\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!%;7!L;WEE<B!C;VYT<FEB=71I;VYS/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,BPX,#`\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#8P,#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($)E;F5F:71S('!A
M:60\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXH,2PW,S`I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
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M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`H,2PU-S0\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M($9A:7(@=F%L=64@;V8@<&QA;B!A<W-E=',@870@96YD(&]F('EE87(\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXR-BPR.#@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#(Q+#,V.#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($9U;F1E9"!S=&%T=7,@;V8@
M=&AE('!L86XF;F)S<#LM)FYB<W`[=6YD97(@9G5N9&5D/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^*#,L.38Q*3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`H."PT-S8\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/&1I=B!S='EL93TS
M1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U3
M25I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE
M<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%
M24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%
M.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[
M(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!
M1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I
M;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#4U-#X@/'1R/B`\=&0^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N
M;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS
M1#,^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D:78^(#PA+2U%;F1&
M<F%G;65N="TM/CPO9&EV/B`\+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-C:&5D=6QE(&]F($%M;W5N=',@
M3F]T(%EE="!296-O9VYI>F5D(&%S(&$@0V]M<&]N96YT(&]F($YE="!097)I
M;V1I8R!096YS:6]N($-O<W0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\(2TM1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A4
M34P@,2XP(%1R86YS:71I;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]4
M4B]X:'1M;#$O1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV
M/B`\9&EV('-T>6QE/3-$)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ
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M041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$
M24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG
M/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0U-30^(#QT<CX@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO
M<FUA;"<@8V]L<W!A;CTS1#<^645!4B!%3D1%1"!$14-%34)%4B`S,2P\+W1D
M/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0S/C(P,3,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L
M9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C
M;VQS<&%N/3-$,SXR,#$R/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)
M1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD
M.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C96YT97([(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS1#<^*$E.(%1(
M3U5304Y$4RD\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$58
M5"U)3D1%3E0Z("TQ,'!T)SX@04U/54Y44R!.3U0@6454(%)%0T]'3DE:140@
M05,@02!#3TU03TY%3E0@3T8@3D54(%!%4DE/1$E#(%!%3E-)3TX@0T]35#H\
M8G(@+SX@/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!!;6]U;G1S(')E8V]G;FEZ960@:6X@86-C=6UU;&%T
M960@;W1H97(@8V]M<')E:&5N<VEV92!L;W-S(&-O;G-I<W1S(&]F.CQB<B`O
M/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB
M<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@
M5$585"U)3D1%3E0Z("TQ,'!T)SX@5')A;G-I=&EO;B!A<W-E=#PO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/BT\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXH.#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@4')I;W(@<V5R=FEC92!C;W-T/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#$Y*3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^*#,X/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@
M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@3F5T(&%C='5A<FEA;"!L;W-S
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^,3`L,3`W/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
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M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q-"PS,34\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H
M:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,
M1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!4;W1A;#PO=&0^(#QT
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C$P+#`X.#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q-"PR-CD\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\9&EV('-T>6QE
M/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4
M+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I
M;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M
M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U19
M3$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P
M=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@
M4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A
M8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-34T/B`\='(^(#QT
M9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M
M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N
M/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4
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M;&4^(#PO9&EV/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y3
M8VAE9'5L92!O9B!!8V-U;75L871E9"!"96YE9FET($]B;&EG871I;VX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\(2TM1$]#5%E012!H=&UL
M(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@,2XP(%1R86YS:71I;VYA;"\O
M14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X:'1M;#$O1%1$+WAH=&UL,2UT
M<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\9&EV('-T>6QE/3-$)TU)3BU7
M24142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2U3=&%R=$9R
M86=M96YT+2T^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/
M3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].
M5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[
M(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$58
M5"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494
M.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@
M,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A
M9&1I;F<],T0P('=I9'1H/3-$-34T/B`\='(^(#QT9"!S='EL93TS1"=&3TY4
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0W/EE%05(@14Y$140\8G(@+SX@1$5#14U"15(@,S$L
M/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O
M;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F
M;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L
M9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C
M;VQS<&%N/3-$,SXR,#$S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA
M;"<@8V]L<W!A;CTS1#,^,C`Q,CPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%24=(5#H@
M8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@8V5N=&5R
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X],T0W/BA)
M3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^($%#0U5-54Q!5$5$($)%3D5&250@3T),
M24=!5$E/3CH\8G(@+SX@/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!!8V-U;75L871E9"!B96YE9FET(&]B;&EG871I;VX\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXR-RPU-C8\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL
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M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\(2TM16YD1G)A9VUE
M;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y38VAE9'5L92!O9B!796EG:'1E9"!!=F5R
M86=E($%S<W5M<'1I;VYS(%5S960@=&\@1&5T97)M:6YE($)E;F5F:70@3V)L
M:6=A=&EO;G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\(2TM
M1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@,2XP(%1R
M86YS:71I;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X:'1M;#$O
M1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\9&EV('-T
M>6QE/3-$)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
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M1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4
M.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL
M<&%D9&EN9STS1#`@=VED=&@],T0U-30^(#QT<CX@/'1D('-T>6QE/3-$)T9/
M3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O
M;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@
M8V]L<W!A;CTS1#<^645!4B!%3D1%1"!$14-%34)%4B`S,2P\+W1D/B`\+W1R
M/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM
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M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S
M/C(P,3,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N
M/3-$,SXR,#$R/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N
M;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%
M+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS1#<^*%!%4D-%3E1!1T53
M*3PO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R
M9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!714E'2%1%1"!!5D5204=%($%34U5-4%1)3TY3.CQB<B`O
M/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB
M<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^($1I<V-O=6YT(')A=&4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXT+C4P)3PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#0N,#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,
M24=..B!L969T)SX@)3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L
M,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@
M4V%L87)Y('-C86QE/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^,BXU,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#(N
M-3`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO
M9&EV/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L
M92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE
M<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M
M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/
M4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-
M.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@
M4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@
M+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.
M5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H
M/3-$-34T/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
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M9&EV/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y38VAE9'5L
M92!O9B!#;VUP;VYE;G1S(&]F($YE="!097)I;V1I8R!"96YE9FET($-O<W0\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\(2TM1$]#5%E012!H
M=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@,2XP(%1R86YS:71I;VYA
M;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X:'1M;#$O1%1$+WAH=&UL
M,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\9&EV('-T>6QE/3-$)TU)
M3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2U3=&%R
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M34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%
M6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS
M1#`@=VED=&@],T0U-30^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
M.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M
M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS
M1#$Q/EE%05(@14Y$140@1$5#14U"15(@,S$L/"]T9#X@/"]T<CX@/'1R/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE
M9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N
M=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$S/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q
M,CPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
M=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S
M/C(P,3$\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
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M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B
M*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z
M("TQ,'!T)SX@0T]-4$].14Y44R!/1B!.150@4$5224]$24,@0D5.149)5"!#
M3U-4.CQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M(%-E<G9I8V4@8V]S=#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$L-S`S/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#$L-3DS/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#$L,S,U/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$L,3@Y/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,2PR,S0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#$Y.#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!%>'!E8W1E9"!R971U<FX@;VX@<&QA;B!A<W-E=',\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH
M,2PW-S4I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#$L-C4V/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^("@Q+#4X,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^
M(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR
M,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!!
M;6]R=&EZ871I;VX@;V8@<')I;W(@>65A<B!S97)V:6-E(&-O<W0\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH,3DI
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXH,3D\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXW/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^($%M;W)T:7IA=&EO;B!O9B!T<F%N<VET:6]N(&%S
M<V5T/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^*#@I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXH,3<\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SXH,3<\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L
M969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@
M<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q
M,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!296-O9VYI>F5D(&YE="!A8W1U
M87)I86P@;&]S<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C$L,S<U/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#`Y
M-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@.#`P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
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M(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C(L-#8U/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#(L,C(Y/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#$L
M-S0Q/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/&1I=B!S
M='EL93TS1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G
M1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N
M+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&
M3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4
M+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0
M.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P
M<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L
M;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#4U-#X@/'1R
M/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE
M9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@
M/"]T<CX@/"]T86)L93X@/"]D:78^(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV
M/B`\+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E-C:&5D=6QE(&]F($]T:&5R($-H86YG97,@:6X@4&QA;B!!
M<W-E=',@86YD($)E;F5F:70@3V)L:6=A=&EO;G,@4F5C;V=N:7IE9"!I;B!/
M=&AE<B!#;VUP<F5H96YS:79E($EN8V]M92`H3&]S<RD\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\(2TM1$]#5%E012!H=&UL(%!50DQ)0R`B
M+2\O5S-#+R]$5$0@6$A434P@,2XP(%1R86YS:71I;VYA;"\O14XB(")H='1P
M.B\O=W=W+G<S+F]R9R]44B]X:'1M;#$O1%1$+WAH=&UL,2UT<F%N<VET:6]N
M86PN9'1D(B`M+3X\9&EV/B`\9&EV('-T>6QE/3-$)TU)3BU724142#H@-S`X
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M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@
M;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!
M4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4
M+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P
M('=I9'1H/3-$-34T/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P
M86X],T0Q,3Y914%2($5.1$5$($1%0T5-0D52(#,Q+#PO=&0^(#PO='(^(#QT
M<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q
M,SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
M=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S
M/C(P,3(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N
M/3-$,SXR,#$Q/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N
M;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%
M+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS1#$Q/BA)3B!42$]54T%.
M1%,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^($]42$52($-(04Y'15,@24X@4$Q!3B!!4U-%5%,@04Y$
M($)%3D5&250@3T),24=!5$E/3E,@4D5#3T=.25I%1"!)3B!/5$A%4B!#3TU0
M4D5(14Y3259%($Q/4U,\8G(@+SX@/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N
M8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!.970@*&=A:6XI(&QO<W,\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^
M)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH,BPX
M,S(I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#(L,S<V/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#,L,#DP/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@
M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@4F5C;V=N:7IE9"!L;W-S/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M*#$L,S<U*3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("@Q+#`Y-#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#
M14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`H.#`P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,
M1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!296-O9VYI>F5D('!R
M:6]R('-E<G9I8V4@8V]S=#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C$Y/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ
M.3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^*#<\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!296-O9VYI>F5D
M(&YE="!I;FET:6%L(&%S<V5T/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^.#PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M,3<\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
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M(&QO<W,@8F5F;W)E('1A>"!E9F9E8W0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXH-"PQ.#`I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!R:6=H="<^(#$L,S$X/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#(L,S`P/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/
M4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@5&]T86P@<F5C;V=N:7IE9"!I;B!N970@8F5N969I="!C;W-T(&%N9"!O
M=&AE<B!C;VUP<F5H96YS:79E(&QO<W,@8F5F;W)E('1A>"!E9F9E8W0\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXH,2PW,34I/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#,L
M-30W/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!R:6=H="<^(#0L,#0Q/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\
M(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y38VAE9'5L92!O9B!7
M96EG:'1E9"U!=F5R86=E($%S<W5M<'1I;VYS(%5S960@=&\@1&5T97)M:6YE
M($YE="!097)I;V1I8R!"96YE9FET($-O<W0\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\(2TM1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O5S-#
M+R]$5$0@6$A434P@,2XP(%1R86YS:71I;VYA;"\O14XB(")H='1P.B\O=W=W
M+G<S+F]R9R]44B]X:'1M;#$O1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN9'1D
M(B`M+3X\9&EV/B`\9&EV('-T>6QE/3-$)TU)3BU724142#H@-S`X<'@[(%1%
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M4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@
M,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E
M;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0U-30^(#QT
M<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M
M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O
M;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#$Q
M/EE%05(@14Y$140@1$5#14U"15(@,S$L/"]T9#X@/"]T<CX@/'1R/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[
M($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR,#$S/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E
M;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,CPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C(P
M,3$\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
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M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T
M+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!714E'2%1%1"!!5D5204=%($%34U5-4%1)3TY3.CQB<B`O/B`\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%
M1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($1I<V-O=6YT(')A=&4\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXT+C`P)3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#0N-S4\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@)3PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@-2XR-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`E/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!%>'!E
M8W1E9"!R971U<FX@;VX@<&QA;B!A<W-E=',\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXX+C`P/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@."XP,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#@N,#`\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$
M+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z
M("TQ,'!T)SX@4F%T92!O9B!C;VUP96YS871I;VX@:6YC<F5A<V4\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR+C4P
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BXU,#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#(N
M-3`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO
M9&EV/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y38VAE9'5L
M92!O9B!0;&%N)W,@07-S970@06QL;V-A=&EO;G,\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\(2TM1$]#5%E012!H=&UL(%!50DQ)0R`B+2\O
M5S-#+R]$5$0@6$A434P@,2XP(%1R86YS:71I;VYA;"\O14XB(")H='1P.B\O
M=W=W+G<S+F]R9R]44B]X:'1M;#$O1%1$+WAH=&UL,2UT<F%N<VET:6]N86PN
M9'1D(B`M+3X\9&EV/B`\9&EV('-T>6QE/3-$)TU)3BU724142#H@-S`X<'@[
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M+51/4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P
M<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G
M(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0U-30^
M(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'
M2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M
M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C(P,3(\+W1D/B`\+W1R/B`\
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M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!!4U-%5"!#051%1T]263H\8G(@+SX@
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P
M.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^($-A<V@@86YD(&-A<V@@97%U:79A;&5N=',\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXM)3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`E/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@1&]M97-T:6,@97%U:71I97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,#PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^,C(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!-=71U86P@9G5N
M9',O151&<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`\<W1R;VYG/C<Y/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXV,SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!);G1E<FYA=&EO;F%L(&5Q=6ET:65S/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-CPO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U
M+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M
M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0V]R<&]R871E(&)O
M;F1S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3,\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`R
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$P
M,"4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
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M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q,#`\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@)3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\+W1A8FQE/B`\+V1I=CX@/"$M+45N9$9R86=M96YT+2T^/"]D:78^(#PO
M9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^4V-H961U;&4@;V8@07-S971S($UE87-U<F5D(&%T($9A:7(@5F%L
M=64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\(2TM1$]#5%E0
M12!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@,2XP(%1R86YS:71I
M;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X:'1M;#$O1%1$+WAH
M=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\9&EV('-T>6QE/3-$
M)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2U3
M=&%R=$9R86=M96YT+2T^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P
M<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I
M9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N
M;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA
M;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.
M1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU2
M24=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@
M8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9"!C;VQS<&%N
M/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0W/EE%05(@14Y$140@1$5#14U"15(@,S$L/"]T9#X@
M/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%
M6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N
M/3-$,SXR,#$S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L
M<W!A;CTS1#,^,C`Q,CPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/
M3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%24=(5#H@8F]L9#L@
M3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@8V5N=&5R.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X],T0W/BA)3B!42$]5
M4T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^($QE=F5L(#$Z/&)R("\^(#PO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SXM/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#(P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($1O;65S=&EC(&5Q=6ET:65S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,BPW-#$\+W-T<F]N9SX\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`T+#<S,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,
M1494.B`R,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!);G1E<FYA=&EO;F%L
M(&5Q=6ET:65S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^,2PT-S@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C,S-CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z
M(#(P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($UU='5A;"!F=6YD<R]%5$9S
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,C`L-S0T/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3,L-38V/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^($QE=F5L(#(Z/&)R("\^(#PO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U
M-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'
M+4Q%1E0Z(#(P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-O<G!O<F%T92!B
M;VYD<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C$L,S(U/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
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M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#<S-3PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L(&9A:7(@
M=F%L=64@;V8@<&QA;B!A<W-E=',\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR
M-BPR.#@\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
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M3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
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M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\+W1A8FQE/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y3
M8VAE9'5L92!O9B!%<W1I;6%T960@1G5T=7)E($)E;F5F:70@4&%Y;65N=',\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\(2TM1$]#5%E012!H
M=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@,2XP(%1R86YS:71I;VYA
M;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X:'1M;#$O1%1$+WAH=&UL
M,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\9&EV('-T>6QE/3-$)TU)
M3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2U3=&%R
M=$9R86=M96YT+2T^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[
M($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@
M1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M
M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@
M5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,
M1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(
M5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L
M;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9"!C;VQS<&%N/3-$
M,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)
M6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@645!4CH\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'
M3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY%
M4U1)34%4140@1E5455)%($)%3D5&250@4$%9345.5%,\+W1D/B`\+W1R/B`\
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M=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@,C`Q-#PO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@,BPT-#0\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H
M,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B`R,#$U/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#(L,C8X/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%
M1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(#(P,38\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPW-3(\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$
M+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
M15A4+4E.1$5.5#H@+3$P<'0G/B`R,#$W/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#(L.#`Y/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI
M=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(#(P
M,3@\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPT
M,S`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS
M1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,
M1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!996%R<R`R,#$Y)FYB
M<W`[+29N8G-P.S(P,C,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,30L,C`P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R
M/B`\+W1A8FQE/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@
M(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A
M.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I
M;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V
M,3,Y,39C+U=O<FMS:&5E=',O4VAE970T."YH=&UL#0I#;VYT96YT+51R86YS
M9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z
M('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\
M:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O
M;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y
M<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@
M4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O
M9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P14U%/@T*
M("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$
M,2!R;W=S<&%N/3-$,CX\<W1R;VYG/DQ%05-%($-/34U)5$U%3E13("A486)L
M97,I/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H
M(&-O;'-P86X],T0Q/C$R($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q
M+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\
M<W1R;VYG/DQ%05-%($-/34U)5$U%3E13($%B<W1R86-T73PO<W1R;VYG/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4V-H961U;&4@;V8@
M1G5T=7)E($UI;FEM=6T@4&%Y;65N=',@;VX@3W!E<F%T:6YG($QE87-E<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SPA+2U$3T-465!%(&AT
M;6P@4%5"3$E#("(M+R]7,T,O+T141"!82%1-3"`Q+C`@5')A;G-I=&EO;F%L
M+R]%3B(@(FAT='`Z+R]W=W<N=S,N;W)G+U12+WAH=&UL,2]$5$0O>&AT;6PQ
M+71R86YS:71I;VYA;"YD=&0B("TM/CQD:78^(#QD:78@<W1Y;&4],T0G34E.
M+5=)1%1(.B`W,#AP>#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+5-T87)T
M1G)A9VUE;G0M+3X@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT97(G
M/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,
M63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.
M5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'
M+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-
M05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$58
M5"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$
M,"!W:61T:#TS1#4U-#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS
M1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@;&5F=#L@3$E.12U(14E'2%0Z(&YO<FUA;"<^(%E%05(Z
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^
M1E5455)%($U)3DE-54T@3$5!4T4@4$%9345.5%,\+W1D/B`\+W1R/B`\='(^
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M5$585"U)3D1%3E0Z("TQ,'!T)SX@,C`Q-#PO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SXW,3(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U
M-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B`R,#$U/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M-C@R/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^(#(P,38\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SXV,C4\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H
M,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B`R,#$W/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^-3$Q/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@
M<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(#(P,3@\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXS-C8\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B`R,#$Y(&%N9"!T:&5R96%F=&5R/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$L.3,Q/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/"$M+45N9$9R
M86=M96YT+2T^/"]D:78^(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-
M"BTM+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S
M,#<V,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C
M-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H
M965T-#DN:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D
M+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970]
M(G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T
M<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@
M8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T
M('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@
M*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S
M<STS1')E<&]R="!I9#TS1$E$,$5-13X-"B`@("`@(#QT<CX-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N
M9SY04D5&15)2140@4U1/0TL@*%1A8FQE<RD\8G(^/"]S=')O;F<^/"]T:#X-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#$^,3(@36]N=&AS
M($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@
M(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4%)%1D524D5$(%-43T-+
M(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E-C:&5D=6QE(&]F(%!R969E<G)E9"!$:79I9&5N9"!3=&]C
M:R!097)I;V0@06YN=6%L:7IE9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SPA+2U$3T-465!%(&AT;6P@4%5"3$E#("(M+R]7,T,O+T141"!8
M2%1-3"`Q+C`@5')A;G-I=&EO;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N;W)G
M+U12+WAH=&UL,2]$5$0O>&AT;6PQ+71R86YS:71I;VYA;"YD=&0B("TM/CQD
M:78^(#QD:78@<W1Y;&4],T0G34E.+5=)1%1(.B`W,#AP>#L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+5-T87)T1G)A9VUE;G0M+3X@/&1I=B!S='EL93TS
M1"=415A4+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U3
M25I%.B`Q,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE
M<RP@4V5R:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'
M3CH@=&5X="UT;W`[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(
M5#H@;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N
M;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!
M1$1)3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)
M3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<]
M,T0P(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#,X-#X@/'1R/B`\=&0^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T;W`G/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
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M3CH@8V5N=&5R)R!R;W=S<&%N/3-$,CX\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)R!R;W=S<&%N/3-$,CY!3DY504Q)6D5$/&)R
M("\^($1)5DE$14Y$(%)!5$4\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1O<"<^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
M=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG/B!"14=)3DY)3D<\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M
M2$5)1TA4.B!N;W)M86PG/B!%3D1)3D<\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1O<"<^(#QT9"!S='EL93TS1"=415A4+4%,
M24=..B!C96YT97(G/D%U9W5S="`Q,2P@,C`Q,3PO=&0^(#QT9"!S='EL93TS
M1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U1%
M6%0M04Q)1TXZ(&-E;G1E<B<^1&5C96UB97(@,S$L(#(P,3$\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=415A4+4%,24=..B!C96YT97(G/C4N,"4\+W1D/B`\+W1R/B`\='(@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1O<"<^(#QT9"!S='EL93TS1"=4
M15A4+4%,24=..B!C96YT97(G/DIA;G5A<GD@,2P@,C`Q,CPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^1&5C96UB97(@,S$L(#(P,3,\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=415A4+4%,24=..B!C96YT97(G/C$N,"4@=&\@-2XP)3PO
M=&0^(#PO='(^(#QT<B!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&]P)SX@
M/'1D('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^2F%N=6%R>2`Q+"`R
M,#$T/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5$585"U!3$E'3CH@8V5N=&5R)SY&96)R=6%R
M>2`W+"`R,#$V/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU
M;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5$585"U!3$E'3CH@8V5N=&5R)SXQ
M+C`E('1O(#<N,"4\<W5P/B@Q*3PO<W5P/CPO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&]P)SX@/'1D('-T>6QE/3-$)U1%6%0M
M04Q)1TXZ(&-E;G1E<B<^1F5B<G5A<GD@."P@,C`Q-CPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U1%6%0M04Q)1TXZ(&-E;G1E<B<^4F5D96UP=&EO;CPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U1%6%0M04Q)1TXZ(&-E;G1E<B<^.2XP)3QS=7`^*#(I/"]S=7`^/"]T9#X@
M/"]T<CX@/"]T86)L93X@/"]D:78^(#QT86)L92!S='EL93TS1"=415A4+512
M04Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$585"U!3$E'
M3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q,G!T(%1I
M;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%1E0Z(#!P
M=#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$585"U)3D1%
M3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$,"!W:61T
M:#TS1#$P,"4^(#QT<B!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[(%9%4E1)
M0T%,+4%,24=..B!T;W`[($9/3E0M5T5)1TA4.B!N;W)M86P[($9/3E0M4U19
M3$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@3$E.12U(14E'2%0Z(#$R
M<'0G/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#%P>"<^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`R,'!X.R!415A4+4%,24=..B!L969T)SXH,2D\
M+W1D/B`\=&0@<W1Y;&4],T0G5$585"U!3$E'3CH@;&5F="<^0F5T=V5E;B!*
M86YU87)Y(#$L(#(P,30@86YD($9E8G)U87)Y(#<L(#(P,38L('1H92!D:79I
M9&5N9"!R871E('=I;&P@8F4@9FEX960@870@82!R871E(&EN('-U8V@@<F%N
M9V4@8F%S960@=7!O;B!T:&4@;&5V96P@;V8@<&5R8V5N=&%G92!C:&%N9V4@
M:6X@45-"3"!B971W965N(%-E<'1E;6)E<B`S,"P@,C`Q,R!A;F0@=&AE($)A
M<V5L:6YE+CPO=&0^(#PO='(^(#PO=&%B;&4^(#QT86)L92!S='EL93TS1"=4
M15A4+51204Y31D]233H@;F]N93L@4$%$1$E.1RU"3U143TTZ(#-P=#L@5$58
M5"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@1D].5#H@,3!P="\Q
M,G!T(%1I;65S($YE=R!2;VUA;BP@5&EM97,L(%-E<FEF.R!0041$24Y'+4Q%
M1E0Z(#!P=#L@34%21TE..B`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$58
M5"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$
M,"!W:61T:#TS1#$P,"4^(#QT<B!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[
M(%9%4E1)0T%,+4%,24=..B!T;W`[($9/3E0M5T5)1TA4.B!N;W)M86P[($9/
M3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@3$E.12U(14E'
M2%0Z(#$R<'0G/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#%P>"<^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`R,'!X.R!415A4+4%,24=..B!L969T
M)SXH,BD\+W1D/B`\=&0@<W1Y;&4],T0G5$585"U!3$E'3CH@;&5F="<^0F5G
M:6YN:6YG(&]N($9E8G)U87)Y(#@L(#(P,38L('1H92!D:79I9&5N9"!R871E
M('=I;&P@8F4@9FEX960@870@;FEN92!P97)C96YT("@Y)2D@<&5R(&%N;G5M
M+CPO=&0^(#PO='(^(#PO=&%B;&4^(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV
M/B`\+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'10
M87)T7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N
M=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?
M.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E=#4P+FAT;6P-"D-O
M;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O
M;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*
M/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT
M96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G
M/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS
M/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H
M96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60]
M,T1)1#!%,D8^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L
M(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^4U1/0TL@0T]-4$5.
M4T%424].(%!,04Y3("A486)L97,I/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/C$R($UO;G1H<R!%;F1E
M9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@
M8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E-43T-+($-/35!%3E-!5$E/3B!0
M3$%.4R!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y38VAE9'5L92!O9B!3=&]C:R!);F-E;G1I=F4@4&QA
M;B!!8W1I=FET>3PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SPA
M+2U$3T-465!%(&AT;6P@4%5"3$E#("(M+R]7,T,O+T141"!82%1-3"`Q+C`@
M5')A;G-I=&EO;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N;W)G+U12+WAH=&UL
M,2]$5$0O>&AT;6PQ+71R86YS:71I;VYA;"YD=&0B("TM/CQD:78^(#QD:78@
M<W1Y;&4],T0G34E.+5=)1%1(.B`W,#AP>#L@5$585"U!3$E'3CH@8V5N=&5R
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M.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0
M041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C
M:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0V,#@^(#QT<CX@/'1D
M(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.
M12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#(S/EE%05(@14Y$140@1$5#
M14U"15(@,S$\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)
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M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N
M;W)M86PG(&-O;'-P86X],T0W/C(P,3,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4
M+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)R!C;VQS<&%N/3-$-SXR,#$R/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(
M14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#<^,C`Q,3PO=&0^(#PO='(^(#QT
M<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^4TA!
M4D53/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
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M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
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M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
M96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E=%24=(
M5$5$($%615)!1T4@15A%4D-)4T4@4%))0T4\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&
M3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%
M24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY32$%215,\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY714E'2%1%1"!!5D52
M04=%($5815)#25-%(%!224-%/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($]U='-T86YD:6YG(&%T(&)E
M9VEN;FEN9R!O9B!Y96%R/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^,SDX+#,W,3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,BXT,SPO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#,Q,RPV,3(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,RXP,CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#(U
M-RPR.#<\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,RXQ.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!'<F%N=&5D
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,3`R+#0T-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,RXQ
M.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$V-"PR-#$\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`R+C<S/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@-3@L-3<U/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BXR
M-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$
M)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%
M1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($5X97)C:7-E9#PO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/B@S
M+#0V-RD\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$N.#$\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`H,2PU,#`\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2XW
M,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^("@W-3`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!4
M15A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2XW,#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M($9O<F9E:71E9#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/B@Q,"PP,#`I/"]S=')O;F<^/"]T9#X@/'1D
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M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C0N,C4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^("@W-RPY.#(\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`U
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M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@<FEG:'0G/B`H,2PU,#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+C<P/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U
M-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!/=71S=&%N9&EN
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M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0X-RPS-#D\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
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M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C(N-34\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`S
M.3@L,S<Q/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@,BXT,SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#,Q,RPV,3(\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
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M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M<FEG:'0G/B`S+C`R/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^($5X97)C:7-A8FQE(&%T(&5N9"!O9B!Y96%R
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,C4W+#(U,SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,BXR
M-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$V-RPV,C0\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`R+C(Y/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3<Y+#@W-#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#,N
M.#$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS
M1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,
M1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!796EG:'1E9"!A=F5R
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F
M;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T
M<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C`N.#,\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,"XX,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`P+C4Q/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE
M/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y38VAE9'5L92!O
M9B!!<W-U;7!T:6]N<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SPA+2U$3T-465!%(&AT;6P@4%5"3$E#("(M+R]7,T,O+T141"!82%1-3"`Q
M+C`@5')A;G-I=&EO;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N;W)G+U12+WAH
M=&UL,2]$5$0O>&AT;6PQ+71R86YS:71I;VYA;"YD=&0B("TM/CQD:78^(#QD
M:78@<W1Y;&4],T0G34E.+5=)1%1(.B`W,#AP>#L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+5-T87)T1G)A9VUE;G0M+3X@/&1I=B!S='EL93TS1"=415A4
M+4%,24=..B!C96YT97(G/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q
M,'!T.R!&3TY4+49!34E,63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R
M:68[($9/3E0M5D%224%.5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@
M;F]R;6%L.R!0041$24Y'+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M
M86P[(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)
M3D<M3$5&5#H@,'!T.R!-05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M
M4DE'2%0Z(#!P=#L@5$585"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P
M(&-E;&QP861D:6YG/3-$,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\
M=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE
M9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,3$^645!4B!%3D1%1"!$
M14-%34)%4B`S,3PO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B!"3$%#
M2RU30TA/3$53($%34U5-4%1)3TX@4D%.1T53/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(
M14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)
M3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C(P,3(\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
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M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!2:7-K+69R
M964@:6YT97)E<W0@<F%T93PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/'-T<F]N9SXQ+C@R)FYB<W`[+29N8G-P.S(N,#,E/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#$N-C8F;F)S<#LM)FYB<W`[,BXR."4\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@,BXQ.29N8G-P.RTF;F)S<#LS+C8R)3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]5
M3D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^($5X<&5C=&5D(&QI=F5S(&EN('EE87)S
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,3`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C$P/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ
M,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$
M)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!4
M15A4+4E.1$5.5#H@+3$P<'0G/B!%>'!E8W1E9"!V;VQA=&EL:71Y/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\<W1R;VYG/C,P
M+C`V)FYB<W`[+29N8G-P.S,R+C,R)3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`S,RXR-B9N8G-P.RTF;F)S<#LS-2XW-R4\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@,S4N
M,#,F;F)S<#LM)FYB<W`[,S4N,C4E/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P
M-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$N,S`E/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SXP)3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^,"4\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\(2TM16YD1G)A
M9VUE;G0M+3X\+V1I=CX@/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*
M+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P
M-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T
M83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE
M970U,2YH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M
M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB
M=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P
M+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C
M:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@
M<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J
M+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S
M/3-$<F5P;W)T(&ED/3-$240P13)&/@T*("`@("`@/'1R/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG
M/D%#0U5-54Q!5$5$($]42$52($-/35!214A%3E-)5D4@3$]34R`H5&%B;&5S
M*3QB<CX\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C
M;VQS<&%N/3-$,3XQ,B!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@
M,C`Q,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T
M<F]N9SY!0T-5355,051%1"!/5$A%4B!#3TU04D5(14Y3259%($E.0T]-12`H
M3$]34RD@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^4V-H961U;&4@;V8@0VAA;F=E<R!I;B!%86-H($-O
M;7!O;F5N="!O9B!!8V-U;75L871E9"!/=&AE<B!#;VUP<F5H96YS:79E($QO
M<W,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\(2TM1$]#5%E0
M12!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@,2XP(%1R86YS:71I
M;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X:'1M;#$O1%1$+WAH
M=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\9&EV('-T>6QE/3-$
M)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2U3
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M=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[
M(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN
M9STS1#`@=VED=&@],T0U-30^(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P
M86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M
M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O
M;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%
M24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
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M+W-U<#X\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$58
M5"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N
M/3-$,SY$969I;F5D($)E;F5F:70@4&5N<VEO;B!)=&5M<SQS=7`^*#$I/"]S
M=7`^/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
M.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M
M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS
M1#,^5&]T86P\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$58
M5"U)3D1%3E0Z("TQ,'!T)SX@0F%L86YC92!A="!*86YU87)Y(#$L(#(P,3,\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#0L,30Q/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^("@Y+#4R,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#4L,S<Y/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`R,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!/=&AE<B!C;VUP<F5H96YS:79E(&EN8V]M92`H;&]S<RD@8F5F;W)E(')E
M8VQA<W-I9FEC871I;VYS/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^("@R+#DV,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#$V,3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^("@X,#(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=.
M.B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T
M*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494
M.B`R,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!!;6]U;G1S(')E8VQA<W-I
M9FEE9"!F<F]M(&%C8W5M=6QA=&5D(&]T:&5R(&-O;7!R96AE;G-I=F4@;&]S
M<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G
M/B`H,3,U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
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M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`S,#8\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#(P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^($YE="!C=7)R96YT('!E<FEO9"!O=&AE
M<B!C;VUP<F5H96YS:79E(&EN8V]M92`H;&]S<RD\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#,L,#DX/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M,BPV,#(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!R:6=H="<^("@T.38\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T
M.R!415A4+4E.1$5.5#H@+3$P<'0G/B!"86QA;F-E(&%T($1E8V5M8F5R(#,Q
M+"`R,#$S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG
M:'0G/B`Q+#`T,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`H-BPY,3@\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^("@U+#@W-3PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\=&%B;&4@<W1Y;&4],T0G
M5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%
M6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O
M,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,
M1494.B`P<'0[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%
M6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS
M1#`@=VED=&@],T0Q,#`E/B`\='(@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T
M.R!615)424-!3"U!3$E'3CH@=&]P.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!&
M3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)
M1TA4.B`Q,G!T)SX@/'1D('-T>6QE/3-$)U=)1%1(.B`Q<'@G/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@,C!P>#L@5$585"U!3$E'3CH@;&5F
M="<^*#$I/"]T9#X@/'1D('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&QE9G0G/D%M
M;W5N=',@:6X@<&%R96YT:&5S97,@:6YD:6-A=&4@9&5B:71S+CPO=&0^(#PO
M='(^(#PO=&%B;&4^(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV/B`\+V1I=CX\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/E-C:&5D=6QE(&]F($%M;W5N=',@4F5C;&%S<VEF:65D(&]U="!O9B!%86-H
M($-O;7!O;F5N="!O9B!!8V-U;75L871E9"!/=&AE<B!#;VUP<F5H96YS:79E
M($QO<W,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\(2TM1$]#
M5%E012!H=&UL(%!50DQ)0R`B+2\O5S-#+R]$5$0@6$A434P@,2XP(%1R86YS
M:71I;VYA;"\O14XB(")H='1P.B\O=W=W+G<S+F]R9R]44B]X:'1M;#$O1%1$
M+WAH=&UL,2UT<F%N<VET:6]N86PN9'1D(B`M+3X\9&EV/B`\9&EV('-T>6QE
M/3-$)TU)3BU724142#H@-S`X<'@[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
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M(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4.B`P
M<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D
M9&EN9STS1#`@=VED=&@],T0U-S`^(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O
M;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^
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M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^06UO
M=6YT(')E8VQA<W-I9FEE9"!F<F]M(&%C8W5M=6QA=&5D(&]T:&5R(&-O;7!R
M96AE;G-I=F4@;&]S<SQS=7`^*#$I/"]S=7`^/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(
M14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^069F96-T960@;&EN92!I=&5M
M(&EN('1H93QB<B`O/B!S=&%T96UE;G0@;V8@;W!E<F%T:6]N<SPO=&0^(#PO
M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U
M-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS
M1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!R:6=H="<^("@R,#0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
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M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U
M-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@*#(P-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^5&]T86P@8F5F;W)E('1A>#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!
M0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`V.3PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B!0<F]V:7-I;VX@9F]R(&EN8V]M
M92!T87@@97AP96YS93PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4
M+4E.1$5.5#H@+3$P<'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#$S-3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@3F5T
M(&]F('1A>#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^($%M;W)T:7IA=&EO;B!O9B!D969I;F5D(&)E;F5F:70@
M:71E;7,\<W5P/B@R*3PO<W5P/CQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@
M,C!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@17-T:6UA=&5D(&YE="!L;W-S
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^-C@S/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&QE9G0G/E-A;&%R:65S(&%N9"!E;7!L;WEE92!B96YE9FET<SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`R,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!0<FEO<B!S97)V:6-E(&-O<W0\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXH,3`\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/E-A
M;&%R:65S(&%N9"!E;7!L;WEE92!B96YE9FET<SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%!!1$1)3D<M3$5&5#H@,C!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@
M5')A;G-I=&EO;B!A<W-E=#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`H-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
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M5"U)3D1%3E0Z("TQ,'!T)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^-C8Y/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/E1O=&%L
M(&)E9F]R92!T87@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z
M(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^("9N8G-P.R9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`H,C(X
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B!0<F]V:7-I;VX@9F]R(&EN8V]M92!T87@@97AP96YS93PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M
M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^
M(#0T,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B!.970@;V8@=&%X/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S
M='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q
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M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@,S`V/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B!.970@;V8@=&%X/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/'1A8FQE('-T>6QE
M/3-$)U1%6%0M5%)!3E-&3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T
M.R!415A4+4%,24=..B!L969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q
M,'!T+S$R<'0@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)
M3D<M3$5&5#H@,'!T.R!-05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T
M.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I
M;F<],T0P('=I9'1H/3-$,3`P)3X@/'1R('-T>6QE/3-$)T9/3E0M4TE:13H@
M,3!P=#L@5D525$E#04PM04Q)1TXZ('1O<#L@1D].5"U714E'2%0Z(&YO<FUA
M;#L@1D].5"U35%E,13H@;F]R;6%L.R!415A4+4%,24=..B!L969T.R!,24Y%
M+4A%24=(5#H@,3)P="<^(#QT9"!S='EL93TS1"=724142#H@,7!X)SXF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#(P<'@[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B@Q*3PO=&0^(#QT9"!S='EL93TS1"=415A4+4%,24=..B!L969T
M)SY!;6]U;G1S(&EN('!A<F5N=&AE<V5S(&EN9&EC871E(&-R961I=',N/"]T
M9#X@/"]T<CX@/"]T86)L93X@/'1A8FQE('-T>6QE/3-$)U1%6%0M5%)!3E-&
M3U)-.B!N;VYE.R!0041$24Y'+4)/5%1/33H@,W!T.R!415A4+4%,24=..B!L
M969T.R!0041$24Y'+51/4#H@,W!T.R!&3TY4.B`Q,'!T+S$R<'0@5&EM97,@
M3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[(%!!1$1)3D<M3$5&5#H@,'!T.R!-
M05)'24XZ(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@
M,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$
M,3`P)3X@/'1R('-T>6QE/3-$)T9/3E0M4TE:13H@,3!P=#L@5D525$E#04PM
M04Q)1TXZ('1O<#L@1D].5"U714E'2%0Z(&YO<FUA;#L@1D].5"U35%E,13H@
M;F]R;6%L.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@,3)P="<^
M(#QT9"!S='EL93TS1"=724142#H@,7!X)SXF;F)S<#L\+W1D/B`\=&0@<W1Y
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M9&EV/B`\+V1I=CX\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE
M>'1087)T7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*
M0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y
M-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E=#4R+FAT;6P-
M"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-
M"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-
M"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#
M;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F
M+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W
M+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^
M/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@
M:60],T1)1#!%344^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^1$52259!5$E6
M12!(141'24Y'($E.4U1254U%3E13("A486)L97,I/&)R/CPO<W1R;VYG/CPO
M=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0Q/C$R($UO
M;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D1%4DE6051)5D4@
M2$5$1TE.1R!)3E-44E5-14Y44R!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y38VAE9'5L92!O9B!);G1E
M<F5S="!2871E(%-W87!S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/"$M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,
M(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O
M>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@
M/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\=&%B;&4@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL
M(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/
M3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M
M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z
M(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P
M=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL
M<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^
M(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S
M='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M
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M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N
M;W)M86PG(&-O;'-P86X],T0S/DU!5%522519($1!5$4\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY(141'12!465!%/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^3D]4
M24].04P@04U/54Y4/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/
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M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
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M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([
M($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E)%4%))0TE.1R!&
M4D51545.0UD\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS
M<&%N/3-$,SY)3D-214%312`H1$5#4D5!4T4I($E.($E.5$5215-4($584$5.
M4T4\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#$R+S$R+S`X
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`P.2\R
M-"\Q,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/D9!25(@5D%,544\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@.2PP,#`L
M,#`P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@-2XR-3PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`E/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`R+C<S/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("4\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B!-3TY42$Q9/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@/'-T<F]N9SXQ-C4L-#@X/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#$R+S$R+S`X/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`P.2\R-"\Q,SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^($9!25(@
M5D%,544\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!R:6=H="<^(#DL,#`P+#`P,#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BXW,SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-2XR
M-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^($U/3E1(3%D\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
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M54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H
M:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG
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M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\+W1A8FQE/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@/"]D:78^
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^
M#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R
M8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C
M871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S
M,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970U,RYH=&UL#0I#;VYT96YT+51R
M86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y
M<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*
M("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E
M(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T
M('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.
M;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@
M/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P14U%
M/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N
M/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/E-%1TU%3E0@4D5354Q44R`H5&%B
M;&5S*3QB<CX\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T
M:"!C;VQS<&%N/3-$,3XQ,B!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S
M,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M/'-T<F]N9SY314=-14Y4(%)%4U5,5%,@6T%B<W1R86-T73PO<W1R;VYG/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4V-H961U;&4@;V8@
M4V5G;65N="!297-U;'1S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/"$M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,
M(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O
M>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@
M/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\9&EV('-T>6QE/3-$)U1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z
M(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!3
M97)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4
M.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO
M<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$
M1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.
M1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS
M1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9"!S='EL
M93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!4
M15A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#$Y
M/EE%05(@14Y$140@1$5#14U"15(@,S$L(#(P,3,\+W1D/B`\+W1R/B`\='(^
M(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@
M;&5F=#L@3$E.12U(14E'2%0Z(&YO<FUA;"<^("9N8G-P.R9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
M96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E)%5$%)
M3"!"04Y+24Y'/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[
M(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L
M<W!A;CTS1#,^0T]-34520TE!3"!"04Y+24Y'/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(
M14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^5%)54U0\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY)3E9%4U1-14Y4+R!0
M05)%3E0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
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M;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%24=(5#H@8F]L9#L@3$E.
M12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@8V5N=&5R.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X],T0Q.3XH24X@5$A/55-!
M3D13*3PO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!.970@:6YT97)E<W0@:6YC;VUE/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\
M<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,C`L,C(S/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXQ-2PV.#<\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C,U/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXH,RPP.#0I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXS,BPX-C$\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$
M+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z
M("TQ,'!T)SX@0W)E9&ET('!R;W9I<VEO;B!F;W(@;&]A;B!L;W-S/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#DR
M*3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#$L,#`X*3PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^*#$L,3`P*3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($YO;BUI;G1E<F5S="!I;F-O;64\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXV+#4Q,CPO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#QS=')O;F<^-C0R/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXX+#,Y,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,3DY/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ-2PW-#0\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!.;VXM:6YT97)E<W0@97AP96YS93PO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(R+#@W
M,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,"PQ-#@\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^-BPV,#4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,BPV
M,#`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
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M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
M1$5.5#H@+3$P<'0G/B!);F-O;64@*&QO<W,I(&)E9F]R92!I;F-O;64@=&%X
M97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXS+#DU-SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-RPQ
M.#D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$L.#(Q/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH-2PT.#4I/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXW+#0X,CPO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0
M041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($EN8V]M
M92!T87@@97AP96YS92`H8F5N969I="D\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#$V-3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXR+#$V-CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXV,3D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^*#$L-C8Q*3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXR+#(X.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%!!1$1)
M3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@3F5T(&EN8V]M
M92`H;&]S<RD\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O
M;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR+#<Y,CPO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R
M;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-2PP,C,\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
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M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T
M<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$L,C`R/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS
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M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXU+#$Y,SPO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!4;W1A;"!A<W-E=',\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
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M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
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M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXT
M+#<R,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M,34W+#DS-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^,2PP-38L,#,V/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A
M8FQE/B`\+V1I=CX@/&1I=B!S='EL93TS1"=415A4+4%,24=..B!C96YT97(G
M/B`\=&%B;&4@<W1Y;&4],T0G1D].5"U325I%.B`Q,'!T.R!&3TY4+49!34E,
M63H@5&EM97,@3F5W(%)O;6%N+"!4:6UE<RP@4V5R:68[($9/3E0M5D%224%.
M5#H@;F]R;6%L.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M5%)!3E-&3U)-.B!N;VYE.R!&3TY4+5=%24=(5#H@;F]R;6%L.R!0041$24Y'
M+4)/5%1/33H@,W!T.R!&3TY4+5-464Q%.B!N;W)M86P[(%1%6%0M04Q)1TXZ
M(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[(%!!1$1)3D<M3$5&5#H@,'!T.R!-
M05)'24XZ("TR-'!T(#!P="`P<'0[(%!!1$1)3D<M4DE'2%0Z(#!P=#L@5$58
M5"U)3D1%3E0Z(#!P>"<@8V5L;'-P86-I;F<],T0P(&-E;&QP861D:6YG/3-$
M,"!W:61T:#TS1#8P.#X@/'1R/B`\=&0^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS
M1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU
M;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A
M;CTS1#,^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE
M9&EU;2!N;VYE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@8V]L<W!A;CTS1#,^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`Q,G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&UE9&EU;2!N;VYE.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@8V]L
M<W!A;CTS1#,^)FYB<W`[/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)
M1TA4.B!N;W)M86PG/B`F;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%
M24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@
M;F]R;6%L)R!C;VQS<&%N/3-$,3D^645!4B!%3D1%1"!$14-%34)%4B`S,2P@
M,C`Q,CPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
M.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L
M)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA
M;"<@8V]L<W!A;CTS1#,^4D5404E,($)!3DM)3D<\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY#3TU-15)#24%,($)!3DM)
M3D<\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!
M3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$
M,SY44E535#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)
M6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
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M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)
M1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E1/5$%,/"]T9#X@/"]T<CX@/'1R
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/
M3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%24=(5#H@;F]R;6%L.R!415A4+4%,
M24=..B!C96YT97([(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;2<@8V]L
M<W!A;CTS1#$Y/BA)3B!42$]54T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($YE="!I;G1E<F5S
M="!I;F-O;64\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#(P
M+#4X-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`Q-"PT.3D\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXS-3PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`H,BPY
M,38\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@
M*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#,R+#(P,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$
M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!#<F5D:70@
M<')O=FES:6]N(&9O<B!L;V%N(&QO<W,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@*#$V,#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`H-C$U/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^+3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("@W
M-S4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@
M*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`V+#4V-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^-3@U/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-RPW.#0\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/CD\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q-"PY-#,\+W1D/B`\=&0@
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M4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!.;VXM
M:6YT97)E<W0@97AP96YS93PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`R,BPX,#(\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
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M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`V
M+#,X-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,BPT.#(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!R:6=H="<^(#0P+#8T,3PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@26YC;VUE("AL;W-S*2!B969O<F4@:6YC;VUE('1A>&5S/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#0L-3`X/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@-BPW,CD\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#0S,CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M("@U+#,X.3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`W+#(X,#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($EN8V]M92!T87@@
M97AP96YS92`H8F5N969I="D\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@,2PS-3@\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
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M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`T
M.#<\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!R:6=H="<^("@Q+#8T.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
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M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U
M-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!.970@:6YC;VUE
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M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,RPQ-3`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
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M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@-"PV.#4\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=.
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M(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@.30U/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^("@S+#<T
M,3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4
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M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@-2PP,SD\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@
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M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@<FEG:'0G/B`S,S8L,C0Q/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#0Y-RPS,S$\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@
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M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@-"PT,CD\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
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M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,38R+#DY,#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#`P,"PY.3$\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#PO='(^(#PO=&%B;&4^(#PO9&EV/B`\9&EV('-T>6QE/3-$)U1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z
M(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!3
M97)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4
M.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO
M<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$
M1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.
M1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS
M1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9#XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO
M;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$
M,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M
M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\
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M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT
M97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0Q.3Y914%2($5.
M1$5$($1%0T5-0D52(#,Q+"`R,#$Q/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y
M;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)
M3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
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M.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
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M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N
M;W)M86PG(&-O;'-P86X],T0S/E1255-4/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'
M2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^24Y615-4345.5"\@4$%214Y4/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^5$]4
M04P\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP
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M/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P
M-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,C`L,3`P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$S+#@V,#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/C0Q/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^("@Q+#<Q.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,S(L,C@S/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^($-R961I="!P<F]V:7-I;VX@9F]R(&QO86X@;&]S<SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`H,C8S/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^("@S+#,Q,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/BT\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/BT\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`H,RPU-S4\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B
M*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`V+#`U-3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^-3DW
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@-RPR.#(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`H,S8U/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#$S+#4V.3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^($YO;BUI;G1E<F5S="!E>'!E;G-E/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#(S
M+#0W,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@-RPX,S,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
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M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`R+#8Q-CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@-#`L,#,W/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="
M04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494
M.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!);F-O;64@*&QO<W,I(&)E
M9F]R92!I;F-O;64@=&%X97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@,BPY-#@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Y+#DS-CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#$L,C`U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#0L-CDY/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#DL,SDP/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@
M<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)
M3D1%3E0Z("TQ,'!T)SX@26YC;VUE('1A>"!E>'!E;G-E("AB96YE9FET*3PO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`X
M.#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
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M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@<FEG:'0G/B`T,3`\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^("@Q+#0S,CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
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M1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
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M(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P
M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPP-C@\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-BPY
M-#$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
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M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!R:6=H="<^("@S+#(V-SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-BPU,S<\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
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M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`S
M,S<L.#8Y/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,
M24=..B!R:6=H="<^(#0T,BPP.#<\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L
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M9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,RPY,3<\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3DU+#(P
M,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M<FEG:'0G/B`Y-SDL,#<V/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\
M+V1I=CX@/"$M+45N9$9R86=M96YT+2T^/"]D:78^(#PO9&EV/CQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O
M9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P
M,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F
M:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V
M8R]7;W)K<VAE971S+U-H965T-30N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%
M;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT
M+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^
M#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT
M/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$
M=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V
M92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*
M("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$5-13X-"B`@("`@
M(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W
M<W!A;CTS1#(^/'-T<F]N9SY214=53$%43U)9($-!4$E404P@*%1A8FQE<RD\
M8G(^/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L
M<W!A;CTS1#$^,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P
M,3,\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O
M;F<^4D5'54Q!5$]262!#05!)5$%,(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-U;6UA<FEZ960@4F5G
M=6QA=&]R>2!#87!I=&%L(%)A=&EO/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/"$M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$
M(%A(5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO
M<F<O5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^
M/&1I=CX@/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\9&EV('-T>6QE
M/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4
M+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I
M;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M
M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U19
M3$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P
M=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@
M4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A
M8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT
M9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL
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M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)
M1TA4.B!N;W)M86PG(&-O;'-P86X],T0R,SY!4R!/1B!$14-%34)%4B`S,2P@
M,C`Q,SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
M.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L
M)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA
M;"<@8V]L<W!A;CTS1#<^04-454%,/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z
M(&YO<FUA;"<@8V]L<W!A;CTS1#<^1D]2($-!4$E404P@041%455!0UD\8G(@
M+SX@4%524$]315,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L
M9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C
M;VQS<&%N/3-$-SY43R!"12!714Q,($-!4$E404Q)6D5$(%5.1$52(%!23TU0
M5"!#3U)214-4259%($%#5$E/3B!04D]625-)3TY3/"]T9#X@/"]T<CX@/'1R
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ
M(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@
M8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY!34]5
M3E0\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
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M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!4
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M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B
M;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG
M(&-O;'-P86X],T0S/E)!5$E//"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO
M<FUA;"<@8V]L<W!A;CTS1#,^04U/54Y4/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'
M2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^4D%424\\+W1D/B`\+W1R/B`\='(^
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M<&%N/3-$,C,^*$E.(%1(3U5304Y$4RP@15A#15!4(%)!5$E/4RD\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1O=&%L($-A
M<&ET86P@*%1O(%)I<VL@5V5I9VAT960@07-S971S*3QB<B`O/B!#;VYS;VQI
M9&%T960\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,C@L-#8Y/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXQ-2XR."4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C8W+#(T-SPO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^."XP,"4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C@T+#`U.3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#QS=')O;F<^,3`N,#`E/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B
M*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,C!P=#L@5$585"U)3D1%3E0Z
M("TQ,'!T)SX@06UE<FE397)V($9I;F%N8VEA;"!"86YK/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3`S+#`P.3PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3(N,SD\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8V+#4P-CPO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^."XP,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^.#,L,3,R/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ
M,"XP,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,
M1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!4:65R(#$@0V%P:71A
M;"`H5&\@4FES:R!796EG:'1E9"!!<W-E=',I/&)R("\^($-O;G-O;&ED871E
M9#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C$Q-RPY-3<\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$T
M+C`S/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXS,RPV,C0\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0N,#`\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C4P+#0S-3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^-BXP,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G
M8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#(P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^($%M97)I4V5R=B!&:6YA;F-I86P@0F%N:SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/CDR+#8Q,3PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3$N,30\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C,S+#(U,SPO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^-"XP,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^-#DL.#<Y/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXV
M+C`P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%
M1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1I97(@,2!#87!I=&%L
M("A4;R!!=F5R86=E($%S<V5T<RD\8G(@+SX@0V]N<V]L:61A=&5D/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3$W
M+#DU-SPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,3$N-#4\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0Q+#(P-#PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^-"XP,#PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#QS=')O;F<^-3$L-3`U/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXU+C`P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR
M-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%!!1$1)3D<M3$5&5#H@,C!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@06UE<FE397)V($9I;F%N8VEA;"!"86YK/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^.3(L-C$Q/"]S=')O;F<^
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXY+C(S/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXT,"PQ,C0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C0N,#`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
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M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C4P
M+#$U-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-2XP,#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@
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M.B`M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$
M14Y4.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED
M=&@],T0V,#@^(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@
M;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X]
M,T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I
M=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^
M(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E
M;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#(S/D%3($]&
M($1%0T5-0D52(#,Q+"`R,#$R/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M
M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%
M+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$-SY!0U1504P\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T
M('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$-SY&3U(@0T%0251!
M3"!!1$5154%#63QB<B`O/B!055)03U-%4SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)
M1TA4.B!N;W)M86PG(&-O;'-P86X],T0W/E1/($)%(%=%3$P@0T%0251!3$E:
M140@54Y$15(@4%)/35!4($-/4E)%0U1)5D4@04-424].(%!23U9)4TE/3E,\
M+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@
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M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
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M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4
M.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M
M86PG(&-O;'-P86X],T0S/E)!5$E//"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U7
M14E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z
M(&YO<FUA;"<@8V]L<W!A;CTS1#,^04U/54Y4/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(
M14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^4D%424\\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,
M24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SY!34]53E0\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)
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M<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M
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M,'!T)SX@5&]T86P@0V%P:71A;"`H5&\@4FES:R!796EG:'1E9"!!<W-E=',I
M/&)R("\^($-O;G-O;&ED871E9#PO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,3(R+#4X,SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$U+CDR/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("4\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`V,2PU.#@\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`X+C`P/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("4\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`W-BPY.#4\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`Q,"XP,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`E/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T
M+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@4$%$1$E.1RU,1494.B`R,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!!;65R:5-E<G8@1FEN86YC:6%L($)A;FL\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3`Q+#<X-CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#$S+C,T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@-C$L,#8P/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@."XP
M,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#<V+#,R-3PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$P+C`P/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^(%1I97(@,2!#87!I=&%L("A4;R!2:7-K(%=E:6=H
M=&5D($%S<V5T<RD\8G(@+SX@0V]N<V]L:61A=&5D/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#$Q,BPY,38\+W1D/B`\=&0@<W1Y
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M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`Q-"XV-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#,P+#<Y-#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#0N
M,#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`T-BPQ.3$\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`V+C`P/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@
M,C!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@06UE<FE397)V($9I;F%N8VEA
M;"!"86YK/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#DR+#(P,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#$R+C`X/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,S`L
M-3,P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@-"XP,#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#0U+#<Y-3PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#8N,#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)
M3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@5&EE<B`Q($-A
M<&ET86P@*%1O($%V97)A9V4@07-S971S*3QB<B`O/B!#;VYS;VQI9&%T960\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3$R+#DQ
M-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^(#$Q+C0T/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,SDL-#<T/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@-"XP,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#0Y+#,T,SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#4N,#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M4$%$1$E.1RU,1494.B`R,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!!;65R
M:5-E<G8@1FEN86YC:6%L($)A;FL\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@.3(L,C`P/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@.2XU-3PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#,X+#8Q-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#0N,#`\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`T."PR-CD\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`U+C`P/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/"$M+45N9$9R86=M
M96YT+2T^/"]D:78^(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM
M+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V
M,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y
M7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T
M-34N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R
M:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S
M+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE
M<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA
M<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R
M8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\
M+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS
M1')E<&]R="!I9#TS1$E$,$5+2#X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H
M(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY0
M05)%3E0@0T]-4$%.62!&24Y!3D-)04P@24Y&3U)-051)3TX@*%1A8FQE<RD\
M8G(^/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L
M<W!A;CTS1#$^,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P
M,3,\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O
M;F<^4$%214Y4($-/35!!3ED@1DE.04Y#24%,($E.1D]234%424].(%M!8G-T
M<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D)A;&%N8V4@4VAE971S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/"$M+41/0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$(%A(
M5$U,(#$N,"!4<F%N<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O
M5%(O>&AT;6PQ+T141"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I
M=CX@/&1I=B!S='EL93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM4W1A<G1&<F%G;65N="TM/B`\:#4@<W1Y;&4],T0G
M5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%
M6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O
M,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,
M1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%
M6%0M24Y$14Y4.B`P<'0G/B!"04Q!3D-%(%-(14544SPO:#4^(#QD:78@<W1Y
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M,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M,C1P="`P<'0@,'!T
M.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4.B`P<'@G(&-E;&QS
M<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@],T0U-30^(#QT<CX@
M/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I
M=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P
M86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/
M3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(
M5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO
M<FUA;"<@8V]L<W!A;CTS1#<^050@1$5#14U"15(@,S$L/"]T9#X@/"]T<CX@
M/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X<'0[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!3$E'
M3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$,SXR
M,#$S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@
M.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M
M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS
M1#,^,C`Q,CPO=&0^(#PO='(^(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:
M13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)
M1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%24=(5#H@8F]L9#L@3$E.12U(
M14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@8V5N=&5R.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X],T0W/BA)3B!42$]54T%.1%,I
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G
M8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^($%34T544SQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%
M1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($-A<V@\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXQ,#`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
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M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXQ,#`\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`\<W1R;VYG/C8L-38Q/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M-BPP.#4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$Q+#DP.3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#$P+#4S-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P
M-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($5Q
M=6ET>2!I;G9E<W1M96YT(&EN(&)A;FMI;F<@<W5B<VED:6%R>3PO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/CDY+#(U
M,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#DY+#$R,3PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!%<75I='D@:6YV97-T;65N="!I;B!N;VXM8F%N:VEN9R!S=6)S:61I
M87)I97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXU+#,R,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#4L,#$W/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@
M,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@1W5A<F%N=&5E9"!J=6YI;W(@
M<W5B;W)D:6YA=&5D(&1E9F5R<F%B;&4@:6YT97)E<W0@9&5B96YT=7)E(&ES
M<W5A;F-E(&-O<W1S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^,C(T/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXR-#`\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="
M04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!/=&AE<B!A<W-E=',\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXT+#,U,CPO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@,BPW,3,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'
M4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^(%1/5$%,($%34T544SPO=&0^(#QT9"!S='EL93TS1"=7
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M/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
M;VYG/C$R-RPW,3<\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L
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M9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3(S+#@Q,#PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E
M)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!,24%"
M24Q)5$E%4SQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S
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M9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C$S+#`X-3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q
M,RPP.#4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!/=&AE<B!L:6%B:6QI=&EE<SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$L,S(U/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#
M14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@<FEG:'0G/B`R-3<\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@
M5$585"U)3D1%3E0Z("TQ,'!T)SX@5$]404P@3$E!0DE,251)15,\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N
M9SXQ-"PT,3`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!R:6=H="<^(#$S+#,T,CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%-43T-+2$],
M1$524R8C,SD[($5154E463QB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T
M*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494
M.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!4;W1A;"!S=&]C:VAO;&1E
M<G,F(S,Y.R!E<75I='D\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,3,L,S`W/"]S=')O;F<^/"]T9#X@
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M9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G
M/B`Q,3`L-#8X/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
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M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$R-RPW,3<\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S
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M="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,3(S+#@Q,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D
M:78^(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV/B`\+V1I=CX\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-T871E;65N
M=',@;V8@3W!E<F%T:6]N<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SPA+2U$3T-465!%(&AT;6P@4%5"3$E#("(M+R]7,T,O+T141"!82%1-
M3"`Q+C`@5')A;G-I=&EO;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N;W)G+U12
M+WAH=&UL,2]$5$0O>&AT;6PQ+71R86YS:71I;VYA;"YD=&0B("TM/CQD:78^
M(#QD:78@<W1Y;&4],T0G34E.+5=)1%1(.B`W,#AP>#L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+5-T87)T1G)A9VUE;G0M+3X@/'`@<W1Y;&4],T0G5$58
M5"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[(%1%6%0M
M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P<'0O,3)P
M="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.1RU,1494
M.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M
M24Y$14Y4.B`R,'!X)SX@4U1!5$5-14Y44R!/1B!/4$52051)3TY3/"]P/B`\
M9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L92!S='EL
M93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE<R!.97<@
M4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M86P[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/4DTZ(&YO
M;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-.B`S<'0[
M($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@4$%$1$E.
M1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@+3(T<'0@
M,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.5#H@,'!X
M)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H/3-$-34T
M/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U54
M5$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\
M+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@
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M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X]
M,T0Q,3Y914%2($5.1$5$($1%0T5-0D52(#,Q+#PO=&0^(#PO='(^(#QT<CX@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L
M969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E
M;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^,C`Q,SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=.
M.B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/C(P
M,3(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!
M3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$
M,SXR,#$Q/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%
M.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M
M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%
M24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS1#$Q/BA)3B!42$]54T%.1%,I
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G
M8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^($E.0T]-13QB<B`O/B`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=2
M3U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^($EN=&5R+65N=&ET>2!M86YA9V5M96YT(&%N9"!O=&AE
M<B!F965S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,BPS-34\+W-T<F]N9SX\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M,BPS-34\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@,BPS,CD\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T
M+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!$:79I9&5N9',@9G)O;2!B86YK:6YG('-U8G-I9&EA<GD\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXU+#4P
M,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#@L,#`P/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M,BPU,#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;FMI;F<@<W5B<VED:6%R:65S/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^-C<U/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SXW,3`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/C8R,#PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R
M,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!
M1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@26YT97)E
M<W0@86YD(&1I=FED96YD(&EN8V]M93PO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI
M9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(T,SPO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,S`V/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
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M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`T,34\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^(%1/5$%,($E.0T]-13PO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C@L-S<S/"]S=')O
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M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@<FEG:'0G/B`Q,2PS-S$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!R:6=H="<^(#4L.#8T/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U
M-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!%6%!%3E-%/&)R("\^(#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$L,3(Q/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,2PQ,C$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#$R,3PO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^(%-A;&%R:65S(&%N9"!E;7!L;WEE92!B96YE
M9FET<SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/C(L-3`R/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPS-C@\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`R+#,Y-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T
M<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[
M(%1%6%0M24Y$14Y4.B`M,3!P="<^($]T:&5R(&5X<&5N<V4\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ
M+#8P.#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PU.#(\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
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M9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%1/
M5$%,($584$5.4T4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXU+#(S,3PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-2PP
M-S$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C,L-30R/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-BPS
M,#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
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M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@<FEG:'0G/C@W,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L
M,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P
M="<^($)E;F5F:70@9F]R(&EN8V]M92!T87AE<SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C@Y-3PO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^.#$Y/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SXW-C0\+W1D/B`\=&0@<W1Y
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M1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!%<75I='D@
M:6X@=6YD:7-T<FEB=71E9"!E87)N:6YG<R!O9B!S=6)S:61I87)I97,\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXW-38\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!R:6=H="<^("@R+#`X,#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#0L.3`Q
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/
M3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T
M(&1O=6)L93L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P
M<'0G/B!.150@24Y#3TU%/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3X\<W1R;VYG/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S
M<'0@9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-2PQ.3,\
M+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2!0
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M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@-2PP,SD\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L
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M9G0G/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-BPU,S<\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!4
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M344\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXT+#8Y-SPO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G
M/B`S+#,R,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!
M3$E'3CH@<FEG:'0G/B`W+#<S.3PO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L
M93X@/"]D:78^(#PA+2U%;F1&<F%G;65N="TM/CPO9&EV/B`\+V1I=CX\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-T
M871E;65N=',@;V8@0V%S:"!&;&]W<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SPA+2U$3T-465!%(&AT;6P@4%5"3$E#("(M+R]7,T,O+T14
M1"!82%1-3"`Q+C`@5')A;G-I=&EO;F%L+R]%3B(@(FAT='`Z+R]W=W<N=S,N
M;W)G+U12+WAH=&UL,2]$5$0O>&AT;6PQ+71R86YS:71I;VYA;"YD=&0B("TM
M/CQD:78^(#QD:78@<W1Y;&4],T0G34E.+5=)1%1(.B`W,#AP>#L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+5-T87)T1G)A9VUE;G0M+3X@/'`@<W1Y;&4]
M,T0G5$585"U44D%.4T9/4DTZ(&YO;F4[(%!!1$1)3D<M0D]45$]-.B`S<'0[
M(%1%6%0M04Q)1TXZ(&QE9G0[(%!!1$1)3D<M5$]0.B`S<'0[($9/3E0Z(#$P
M<'0O,3)P="!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@4$%$1$E.
M1RU,1494.B`T<'@[($U!4D=)3CH@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[
M(%1%6%0M24Y$14Y4.B`R,'!X)SX@4U1!5$5-14Y44R!/1B!#05-(($9,3U=3
M/"]P/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ(&-E;G1E<B<^(#QT86)L
M92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/3E0M1D%-24Q9.B!4:6UE
M<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].5"U605))04Y4.B!N;W)M
M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U44D%.4T9/
M4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[(%!!1$1)3D<M0D]45$]-
M.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$585"U!3$E'3CH@;&5F=#L@
M4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494.B`P<'0[($U!4D=)3CH@
M+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@,'!T.R!415A4+4E.1$5.
M5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A9&1I;F<],T0P('=I9'1H
M/3-$-34T/B`\='(^(#QT9#XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@;65D:75M(&YO;F4[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!C;VQS<&%N/3-$,SXF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#$R<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@;65D:75M(&YO;F4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
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M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O
M;'-P86X],T0Q,3Y914%2($5.1$5$($1%0T5-0D52(#,Q+#PO=&0^(#PO='(^
M(#QT<CX@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,
M24=..B!L969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)
M1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^
M,C`Q,SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
M(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4
M+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X]
M,T0S/C(P,3(\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U3
M25I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@
M5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS
M<&%N/3-$,SXR,#$Q/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].
M5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].
M5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4
M.B!N;W)M86PG/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G1D].5"U325I%.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,
M24Y%+4A%24=(5#H@;F]R;6%L.R!415A4+4%,24=..B!C96YT97([(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;2<@8V]L<W!A;CTS1#$Q/BA)3B!42$]5
M4T%.1%,I/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^($]015)!5$E.1R!!0U1)5DE42453/&)R("\^(#PO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G
M/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C4L,3DS/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#4L,#,Y/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#8L-3,W/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\
M='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T
M*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@061J
M=7-T;65N="!T;R!R96-O;F-I;&4@;F5T(&EN8V]M92!T;R!N970@8V%S:"!P
M<F]V:61E9"!B>2!O<&5R871I;F<@86-T:79I=&EE<SH\8G(@+SX@/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N
M8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R
M('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494
M.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!%<75I='D@:6X@=6YD:7-T
M<FEB=71E9"!E87)N:6YG<R!O9B!S=6)S:61I87)I97,\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXH-S4V*3PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#(L,#@P/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#0L.3`Q
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$
M)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%
M1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%-T;V-K(&-O;7!E;G-A
M=&EO;B!E>'!E;G-E/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^.#(\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/C,X/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SXQ-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%
M6%0M24Y$14Y4.B`M,3!P="<^($]T:&5R)FYB<W`[+29N8G-P.VYE=#PO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R
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M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`H.3@Y/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#(X-3PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],
M3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@3D54($-!4T@@4%)/5DE$140@0ED@3U!%4D%424Y'($%#5$E6251)15,\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXS+#@P,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-BPQ-C@\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U3
M4$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
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M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^("9N8G-P.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^("9N8G-P
M.R9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T
M>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$
M24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%!U<F-H87-E
M(&]F(&EN=F5S=&UE;G0@<V5C=7)I=&EE<R9N8G-P.RTF;F)S<#MA=F%I;&%B
M;&4@9F]R('-A;&4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXH,RPX.#4I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M*#(L,#<W/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^("@S+#`T.3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N
M8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2
M.B!W:&ET92<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!0<F]C965D<R!F
M<F]M(&UA='5R:71Y(&]F(&EN=F5S=&UE;G0@<V5C=7)I=&EE<R9N8G-P.RTF
M;F)S<#MA=F%I;&%B;&4@9F]R('-A;&4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXR+#4P-CPO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@,BPX,#D\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
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M(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR
M,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%
M1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($Y%5"!#05-(("A54T5$
M($E.*2!04D]6241%1"!"62!)3E9%4U1)3D<@04-4259)5$E%4SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/B@Q+#,W.2D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!R:6=H="<^(#<S,CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPX.3,\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G
M/B!&24Y!3D-)3D<@04-4259)5$E%4SQB<B`O/B`\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@)FYB<W`[)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&
M5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@4'5R8VAA<V4@;V8@=')E
M87-U<GD@<W1O8VL\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXH,2PQ-S$I/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M*#0L-#$W/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^("D\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^("@U.#(\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^
M(%1!4E`@=V%R<F%N="!R97!U<F-H87-E/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^+3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^("@X,C4\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%
M3E0Z("TQ,'!T)SX@4')E9F5R<F5D('-T;V-K(&1I=FED96YD<R!P86ED/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M*#(P.2D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`H.#(X/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^("@Q+#`U-#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT
M<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4
M+4E.1$5.5#H@+3$P<'0G/B!#;VUM;VX@<W1O8VL@9&EV:61E;F1S('!A:60\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M/'-T<F]N9SXH-38V*3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E
M;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/
M4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@+3PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@+3PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!.
M150@0T%32"!54T5$($E.($9)3D%.0TE.1R!!0U1)5DE42453/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@
M8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^
M*#$L.30V*3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#4L,C0U/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@*#(L-#8Q
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#
M3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M
M,3!P="<^($Y%5"!)3D-214%312!)3B!#05-(($%.1"!#05-(($5154E604Q%
M3E13/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^-#<V/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PV-34\+W1D/B`\
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M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`Q+#<Y.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@
M/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P
M-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&
M5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@0T%32"!!3D0@0T%32"!%
M455)5D%,14Y44R!!5"!*04Y505)9(#$\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXV+#$X-3PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@-"PU,S`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(
M.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/
M5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
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M4R!!5"!$14-%34)%4B`S,3PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@
M+2T^/'-T<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C8L-C8Q
M/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/
M33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!R:6=H="<^(#8L,3@U/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@
M9&]U8FQE.R!415A4+4%,24=..B!R:6=H="<^(#0L-3,P/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\+W1R/B`\+W1A8FQE/B`\+V1I=CX@/"$M+45N9$9R86=M96YT+2T^/"]D
M:78^(#PO9&EV/CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X
M=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#
M;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW
M.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T-38N:'1M;`T*
M0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*
M0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*
M#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O
M;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M
M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N
M:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\
M+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I
M9#TS1$E$,$5-13X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY314Q%0U1%1"!1
M54%25$523%D@0T].4T],241!5$5$($9)3D%.0TE!3"!$051!("A486)L97,I
M/&)R/CPO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O
M;'-P86X],T0Q/C$R($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R
M,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R
M;VYG/E-%3$5#5$5$(%%505)415),62!#3TY33TQ)1$%4140@1DE.04Y#24%,
M($1!5$$@6T%B<W1R86-T73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^4V-H961U;&4@;V8@475A<G1E<FQY($9I;F%N8VEA
M;"!$871A/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/"$M+41/
M0U194$4@:'1M;"!054),24,@(BTO+U<S0R\O1%1$(%A(5$U,(#$N,"!4<F%N
M<VET:6]N86PO+T5.(B`B:'1T<#HO+W=W=RYW,RYO<F<O5%(O>&AT;6PQ+T14
M1"]X:'1M;#$M=')A;G-I=&EO;F%L+F1T9"(@+2T^/&1I=CX@/&1I=B!S='EL
M93TS1"=-24XM5TE$5$@Z(#<P.'!X.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM4W1A<G1&<F%G;65N="TM/B`\9&EV('-T>6QE/3-$)U1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#QT86)L92!S='EL93TS1"=&3TY4+5-)6D4Z(#$P<'0[($9/
M3E0M1D%-24Q9.B!4:6UE<R!.97<@4F]M86XL(%1I;65S+"!397)I9CL@1D].
M5"U605))04Y4.B!N;W)M86P[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U44D%.4T9/4DTZ(&YO;F4[($9/3E0M5T5)1TA4.B!N;W)M86P[
M(%!!1$1)3D<M0D]45$]-.B`S<'0[($9/3E0M4U193$4Z(&YO<FUA;#L@5$58
M5"U!3$E'3CH@;&5F=#L@4$%$1$E.1RU43U`Z(#-P=#L@4$%$1$E.1RU,1494
M.B`P<'0[($U!4D=)3CH@+3(T<'0@,'!T(#!P=#L@4$%$1$E.1RU224=(5#H@
M,'!T.R!415A4+4E.1$5.5#H@,'!X)R!C96QL<W!A8VEN9STS1#`@8V5L;'!A
M9&1I;F<],T0P('=I9'1H/3-$-C`X/B`\='(^(#QT9"!C;VQS<&%N/3-$,SXF
M;F)S<#L\+W1D/B`\+W1R/B`\='(^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z
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M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O
M;'-P86X],T0Q-3XR,#$S(%%505)415(@14Y$140\+W1D/B`\+W1R/B`\='(^
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M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
M96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/D1%0RX@
M,S$\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(5#H@8F]L9#L@5$585"U!
M3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R;6%L)R!C;VQS<&%N/3-$
M,SY315!4+B`S,#PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4
M+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD
M.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O
M;'-P86X],T0S/DI53D4@,S`\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G1D].5"U325I%.B`X<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!&3TY4+5=%24=(
M5#H@8F]L9#L@5$585"U!3$E'3CH@8V5N=&5R.R!,24Y%+4A%24=(5#H@;F]R
M;6%L)R!C;VQS<&%N/3-$,SY-05)#2"`S,3PO=&0^(#PO='(^(#QT<CX@/'1D
M('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L969T
M.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!&3TY4+5=%
M24=(5#H@8F]L9#L@3$E.12U(14E'2%0Z(&YO<FUA;#L@5$585"U!3$E'3CH@
M8V5N=&5R.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VTG(&-O;'-P86X]
M,T0Q-3XH24X@5$A/55-!3D13+"!%6$-%4%0@4$52(%-(05)%($1!5$$I/"]T
M9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R
M,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M
M,3!P="<^($EN=&5R97-T(&EN8V]M93PO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$P+#(P,SPO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG
M/B0\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^.2PX
M,3$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T
M<F]N9SXD/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/CDL-C(W/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXY+#<P,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H:71E)SX@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%1E0Z(#$P
M<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($EN=&5R97-T(&5X<&5N<V4\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXQ+#8P-3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#8Q,3PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#8P-CPO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXQ+#8V,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C@L-3DX/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T
M<F]N9SXX+#(P,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^."PP
M,C$\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C@L,#0R/"]S=')O
M;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z
M("TQ,'!T)SX@4')O=FES:6]N("AC<F5D:70I(&9O<B!L;V%N(&QO<W-E<SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/B@Q+#`P,"D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"
M3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^+3PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXQ-3`\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O
M;F<^*#(U,"D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE
M/3-$)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($YE="!I;G1E<F5S
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M9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\
M<W1R;VYG/CDL-3DX/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D
M/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXX
M+#(P,#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^-RPX-S$\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C@L,CDR/"]S=')O;F<^/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M
M24Y$14Y4.B`M,3!P="<^($YO;BUI;G1E<F5S="!I;F-O;64\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXS+#@V-SPO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,RPY.#8\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
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M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0L,#<U/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXS+#@Q-CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@
M3F]N+6EN=&5R97-T(&5X<&5N<V4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,"PW-#8\+W-T<F]N9SX\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T
M('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^,3`L-#$S/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
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M3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C$P+#0T,CPO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^
M(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"
M3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ,"PV,C(\+W-T<F]N
M9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M
M0T],3U(Z('=H:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@
M+3$P<'0G/B!);F-O;64@8F5F;W)E(&EN8V]M92!T87AE<SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C(L-S$Y/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#<W,SPO<W1R;VYG/CPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#QS=')O;F<^,2PU,#0\+W-T<F]N9SX\+W1D/B`\=&0@
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`\<W1R;VYG/C$L-#@V/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI
M9#L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!0
M<F]V:7-I;VX@9F]R(&EN8V]M92!T87AE<SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C@W.#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q
M<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P
M="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXU-#<\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@
M;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D
M('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,
M24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
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M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C0S,#PO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S
M;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@
M=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE.R!0041$24Y'
M+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($YE="!I;F-O;64\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R
M;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#@T,3PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%
M+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B
M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L
M93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3X\<W1R;VYG/B0\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4
M+4%,24=..B!R:6=H="<^(#QS=')O;F<^,2PR,C8\+W-T<F]N9SX\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
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M;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^/'-T<F]N9SXD/"]S
M=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$58
M5"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C$L,#<P/"]S=')O;F<^/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O
M=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U
M8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO
M<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#-P="!D;W5B;&4[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXQ+#`U-CPO<W1R;VYG/CPO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D
M;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$
M14Y4.B`M,3!P="<^($)A<VEC(&5A<FYI;F=S('!E<B!C;VUM;VX@<VAA<F4\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@/'-T<F]N9SXP+C$P/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO
M=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=5
M5%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T
M)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ
M(')I9VAT)SX@/'-T<F]N9SXP+C`V/"]S=')O;F<^/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)
M1TXZ(')I9VAT)SX@/'-T<F]N9SXP+C`U/"]S=')O;F<^/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/CQS=')O;F<^)#PO<W1R;VYG/CPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@/'-T<F]N9SXP+C`U/"]S=')O;F<^/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.
M5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#2T=23U5.
M1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^($1I;'5T960@96%R;FEN9W,@<&5R(&-O;6UO;B!S:&%R93PO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG
M/C`N,#D\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C`N,#8\+W-T
M<F]N9SX\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`\<W1R;VYG/C`N,#4\+W-T<F]N9SX\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
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M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'
M3CH@<FEG:'0G/B`\<W1R;VYG/C`N,#4\+W-T<F]N9SX\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#
M13H@;F]W<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM
M/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/
M3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4
M+4E.1$5.5#H@+3$P<'0G/B!#87-H(&1I=FED96YD<R!D96-L87)E9"!P97(@
M8V]M;6]N('-H87)E/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R
M)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#QS=')O;F<^,"XP,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'
M551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS
M=')O;F<^,"XP,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%
M6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,"XP
M,3PO<W1R;VYG/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#QS=')O;F<^,"XP,#PO<W1R;VYG
M/CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/"]T86)L93X@/"]D
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M041$24Y'+51/4#H@,W!T.R!0041$24Y'+4Q%1E0Z(#!P=#L@34%21TE..B`M
M,C1P="`P<'0@,'!T.R!0041$24Y'+5))1TA4.B`P<'0[(%1%6%0M24Y$14Y4
M.B`P<'@G(&-E;&QS<&%C:6YG/3-$,"!C96QL<&%D9&EN9STS1#`@=VED=&@]
M,T0V,#@^(#QT<CX@/'1D/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=72414
M2#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P
M.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@,3)P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$
M15(M0D]45$]-.B!M961I=6T@;F]N93L@5$585"U!3$E'3CH@8V5N=&5R)SX@
M/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@,3)P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!M961I=6T@;F]N
M93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D(&-O;'-P86X],T0S/B9N8G-P.SPO=&0^(#PO='(^(#QT<CX@
M/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!L
M969T.R!,24Y%+4A%24=(5#H@;F]R;6%L)SX@)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
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M;6%L)SX@)FYB<W`[)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@1D].5"U714E'
M2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@3$E.12U(14E'2%0Z(&YO
M<FUA;"<@8V]L<W!A;CTS1#,^1$5#+B`S,3PO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[($9/
M3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C96YT97([($Q)3D4M2$5)
M1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/E-%4%0N(#,P/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)T9/3E0M4TE:13H@.'!T.R!615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S
M;VQI9#L@1D].5"U714E'2%0Z(&)O;&0[(%1%6%0M04Q)1TXZ(&-E;G1E<CL@
M3$E.12U(14E'2%0Z(&YO<FUA;"<@8V]L<W!A;CTS1#,^2E5.12`S,#PO=&0^
M(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM
M/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=&3TY4+5-)6D4Z(#AP=#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[($9/3E0M5T5)1TA4.B!B;VQD.R!415A4+4%,24=..B!C
M96YT97([($Q)3D4M2$5)1TA4.B!N;W)M86PG(&-O;'-P86X],T0S/DU!4D-(
M(#,Q/"]T9#X@/"]T<CX@/'1R/B`\=&0@<W1Y;&4],T0G1D].5"U325I%.B`X
M<'0[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@1D].5"U714E'2%0Z
M(&)O;&0[(%1%6%0M04Q)1TXZ(&QE9G0[($Q)3D4M2$5)1TA4.B!N;W)M86PG
M/B`F;F)S<#LF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M1D].5"U325I%.B`X<'0[($9/3E0M5T5)1TA4.B!B;VQD.R!,24Y%+4A%24=(
M5#H@;F]R;6%L.R!415A4+4%,24=..B!C96YT97([(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;2<@8V]L<W!A;CTS1#$U/BA)3B!42$]54T%.1%,L($58
M0T505"!015(@4TA!4D4@1$%402D\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G
M0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!1$1)3D<M3$5&
M5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@26YT97)E<W0@:6YC;VUE
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Y+#@W.#PO=&0^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(
M251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%
M4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`Q,"PP,S`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@.2PX.#4\+W1D/B`\=&0@<W1Y;&4],T0G
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M/B`\(2TM("0@+2T^)#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3`L,3(T/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4],T0G0D%#
M2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T
M)SX@26YT97)E<W0@97AP96YS93PO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D
M("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@<FEG:'0G/B`Q+#<Y-CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ
M(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL
M93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,2PX.#@\+W1D/B`\
M=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E4
M12U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D
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M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA
M8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N
M8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@<FEG:'0G/B`R+#`V-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!
M3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/
M4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y
M;&4],T0G0D%#2T=23U5.1"U#3TQ/4CH@<F=B*#(P-"PR-34L,C`T*2<^(#QT
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M1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG
M:'0G/B`X+#`X,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!415A4+4%,24=..B!R:6=H="<^(#@L,30R/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z
M(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M-RPY,C$\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`X+#`U.#PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z('=H
M:71E)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!0041$24Y'+4Q%
M1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%!R;W9I<VEO;B`H8W)E
M9&ET*2!F;W(@;&]A;B!L;W-S97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
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M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K
M(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`H,C`P/"]T9#X@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M
M4U!!0T4Z(&YO=W)A<#L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!415A4+4%,24=..B!L969T)SX@*3PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M*#4P,#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB
M;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H
M:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^("D\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!R:6=H="<^("@V,C4\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$
M15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G
M/B`I/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO='(^(#QT<B!S='EL
M93TS1"="04-+1U)/54Y$+4-/3$]2.B!R9V(H,C`T+#(U-2PR,#0I)SX@/'1D
M('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@4$%$1$E.
M1RU,1494.B`Q,'!T.R!415A4+4E.1$5.5#H@+3$P<'0G/B!.970@:6YT97)E
M<W0@:6YC;VUE(&%F=&5R('!R;W9I<VEO;B`H8W)E9&ET*2!F;W(@;&]A;B!L
M;W-S97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM
M($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L
M969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@
M-RPU,S(\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`X+#,T,CPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#@L-#(Q
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA
M+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(')I9VAT)SX@."PV.#,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^
M(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!W:&ET92<^
M(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%!!
M1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@3F]N+6EN
M=&5R97-T(&EN8V]M93PO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X.R!6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&-E;G1E
M<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=7
M24142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M
M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M<FEG:'0G/B`S+#@X-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)
M1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF
M;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^(#,L-C0Y/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@,RPW,S,\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@5$585"U!3$E'3CH@<FEG:'0G/B`S+#8W-#PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$)T)!0TM'4D]53D0M0T],3U(Z
M(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L
M:60[(%!!1$1)3D<M3$5&5#H@,3!P=#L@5$585"U)3D1%3E0Z("TQ,'!T)SX@
M3F]N+6EN=&5R97-T(&5X<&5N<V4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA
M+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@
M-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U14
M3TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,3`L,S<S/"]T9#X@/'1D('-T>6QE/3-$
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M3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T
M>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O
M;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ(&)L
M86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G/B`Q,"PP.#<\+W1D
M/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!7
M2$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@
M<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O
M;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S
M<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)
M1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L
M:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]2
M1$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,24=..B!R:6=H
M="<^(#$P+#`V-SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@
M=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U14
M3TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@
M4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-
M.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&-E;G1E<B<^(#PA+2T@
M1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=724142#H@-G!X
M.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%4BU"3U143TTZ
M(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%
M6%0M04Q)1TXZ(')I9VAT)SX@,3`L,3$T/"]T9#X@/'1D('-T>6QE/3-$)U9%
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M;F-O;64@=&%X97,\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I
M9VAT)SX@,2PP-#8\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#DP-#PO=&0^(#QT9"!S='EL
M93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%
M.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#(L,#@W/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F
M="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\
M=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,BPR-#,\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R
M9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED
M.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^(%!R
M;W9I<VEO;B!F;W(@:6YC;VUE('1A>&5S/"]T9#X@/'1D('-T>6QE/3-$)U=)
M1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52
M+4)/5%1/33H@=VAI=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G
M/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$
M5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M
M0D]45$]-.B!B;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM("0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,
M24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O
M;&ED.R!415A4+4%,24=..B!R:6=H="<^(#,Q,3PO=&0^(#QT9"!S='EL93TS
M1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N
M;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!
M3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T
M=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)
M1TXZ(&-E;G1E<B<^(#PA+2T@1U545$52("TM/B9N8G-P.SPO=&0^(#QT9"!S
M='EL93TS1"=724142#H@-G!X.R!615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[($)/4D1%4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'
M3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B
M;&%C:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(')I9VAT)SX@-3DW/"]T9#X@
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M9#L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED
M.R!415A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT
M9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[($)/4D1%
M4BU"3U143TTZ(&)L86-K(#%P="!S;VQI9#L@5$585"U!3$E'3CH@<FEG:'0G
M/B`V-34\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!"3U)$15(M0D]45$]-.B!W
M:&ET92`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%
M3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI
M=&4@,7!T('-O;&ED.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C
M:R`Q<'0@<V]L:60[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB
M<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O
M='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,7!T('-O;&ED.R!415A4+4%,
M24=..B!R:6=H="<^(#8W.#PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%
M4BU"3U143TTZ('=H:71E(#%P="!S;VQI9#L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\+W1D/B`\+W1R/B`\='(@<W1Y;&4]
M,T0G0D%#2T=23U5.1"U#3TQ/4CH@=VAI=&4G/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!W:&ET
M92`S<'0@9&]U8FQE.R!0041$24Y'+4Q%1E0Z(#$P<'0[(%1%6%0M24Y$14Y4
M.B`M,3!P="<^($YE="!I;F-O;64\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!W:&ET92`S<'0@9&]U8FQE.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!"3U)$15(M0D]4
M5$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!415A4+4%,24=..B!L969T)SX@/"$M
M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
M>'0M8F]T=&]M.R!"3U)$15(M0D]45$]-.B!B;&%C:R`S<'0@9&]U8FQE.R!4
M15A4+4%,24=..B!R:6=H="<^(#<S-3PO=&0^(#QT9"!S='EL93TS1"=615)4
M24-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[
M($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ
M(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T
M(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#,P-SPO=&0^(#QT9"!S
M='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-0
M04-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E(#-P="!D;W5B;&4[
M(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T
M97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE
M/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/
M33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@<FEG:'0G/B`Q+#0S
M,CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T
M;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"3U143TTZ('=H:71E
M(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@=VAI=&4@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@
M+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)
M0T%,+4%,24=..B!T97AT+6)O='1O;3L@0D]21$52+4)/5%1/33H@8FQA8VL@
M,W!T(&1O=6)L93L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XD/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M0D]21$52+4)/5%1/33H@8FQA8VL@,W!T(&1O=6)L93L@5$585"U!3$E'3CH@
M<FEG:'0G/B`Q+#4V-3PO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'
M3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[($)/4D1%4BU"
M3U143TTZ('=H:71E(#-P="!D;W5B;&4[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\
M(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/"]T<CX@/'1R('-T>6QE/3-$
M)T)!0TM'4D]53D0M0T],3U(Z(')G8B@R,#0L,C4U+#(P-"DG/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!0041$24Y'+4Q%
M1E0Z(#$P<'0[(%1%6%0M24Y$14Y4.B`M,3!P="<^($)A<VEC(&5A<FYI;F=S
M('!E<B!C;VUM;VX@<VAA<F4\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P
M>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C
M96YT97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4]
M,T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!4
M15A4+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4]
M,T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R
M:6=H="<^(#`N,#0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ
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M=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%1%6%0M04Q)1TXZ(')I9VAT)SX@,"XP-3PO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R
M87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[
M/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'5514
M15(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^
M(#PA+2T@)"`M+3XD/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`P+C`V/"]T9#X@
M/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)
M5$4M4U!!0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$52
M0T5.5"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT
M97(G/B`\(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G
M5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2`D("TM/B0\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H
M="<^(#`N,#8\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E
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M97(@8V]M;6]N('-H87)E/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[
M(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N
M=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y
M;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!R:6=H="<^(#`N,#0\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)
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M3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^
M)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@<FEG:'0G/B`P+C`U/"]T9#X@/'1D('-T
M>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!
M0T4Z(&YO=W)A<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M
M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#
M04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\
M(2TM($=55%1%4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z
M(#9P>#L@5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=.
M.B!L969T)SX@/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=6
M15)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT
M)SX@,"XP-CPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X
M="UB;W1T;VT[(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE
M9G0G/B`\(2TM(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$
M)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$58
M5"U!3$E'3CH@8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@
M/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT
M+6)O='1O;3L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M
M.R!415A4+4%,24=..B!R:6=H="<^(#`N,#8\+W1D/B`\=&0@<W1Y;&4],T0G
M5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W
M<F%P.R!415A4+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P
M.SPO=&0^(#PO='(^(#QT<B!S='EL93TS1"="04-+1U)/54Y$+4-/3$]2.B!R
M9V(H,C`T+#(U-2PR,#0I)SX@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=.
M.B!T97AT+6)O='1O;3L@4$%$1$E.1RU,1494.B`Q,'!T.R!415A4+4E.1$5.
M5#H@+3$P<'0G/B!#87-H(&1I=FED96YD<R!D96-L87)E9"!P97(@8V]M;6]N
M('-H87)E/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,
M+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@8V5N=&5R)SX@/"$M
M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!R:6=H="<^
M(#`N,#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M
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M;W1T;VT[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM("0@+2T^)FYB<W`[/"]T
M9#X@/'1D('-T>6QE/3-$)U9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@<FEG:'0G/B`P+C`P/"]T9#X@/'1D('-T>6QE/3-$)U9%
M4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5TA)5$4M4U!!0T4Z(&YO=W)A
M<#L@5$585"U!3$E'3CH@;&5F="<^(#PA+2T@4$520T5.5"`M+3XF;F)S<#L\
M+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D525$E#04PM04Q)1TXZ
M('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!C96YT97(G/B`\(2TM($=55%1%
M4B`M+3XF;F)S<#L\+W1D/B`\=&0@<W1Y;&4],T0G5TE$5$@Z(#9P>#L@5D52
M5$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,24=..B!L969T)SX@
M/"$M+2`D("TM/B9N8G-P.SPO=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!
M3$E'3CH@=&5X="UB;W1T;VT[(%1%6%0M04Q)1TXZ(')I9VAT)SX@,"XP,#PO
M=&0^(#QT9"!S='EL93TS1"=615)424-!3"U!3$E'3CH@=&5X="UB;W1T;VT[
M(%=(251%+5-004-%.B!N;W=R87`[(%1%6%0M04Q)1TXZ(&QE9G0G/B`\(2TM
M(%!%4D-%3E0@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE/3-$)U=)1%1(.B`V
M<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@5$585"U!3$E'3CH@
M8V5N=&5R)SX@/"$M+2!'551415(@+2T^)FYB<W`[/"]T9#X@/'1D('-T>6QE
M/3-$)U=)1%1(.B`V<'@[(%9%4E1)0T%,+4%,24=..B!T97AT+6)O='1O;3L@
M5$585"U!3$E'3CH@;&5F="<^(#PA+2T@)"`M+3XF;F)S<#L\+W1D/B`\=&0@
M<W1Y;&4],T0G5D525$E#04PM04Q)1TXZ('1E>'0M8F]T=&]M.R!415A4+4%,
M24=..B!R:6=H="<^(#`N,#`\+W1D/B`\=&0@<W1Y;&4],T0G5D525$E#04PM
M04Q)1TXZ('1E>'0M8F]T=&]M.R!72$E412U34$%#13H@;F]W<F%P.R!415A4
M+4%,24=..B!L969T)SX@/"$M+2!015)#14Y4("TM/B9N8G-P.SPO=&0^(#PO
M='(^(#PO=&%B;&4^(#PO9&EV/B`\(2TM16YD1G)A9VUE;G0M+3X\+V1I=CX@
M/"]D:78^/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO
M=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R
M=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E
M;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR
M,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970U-RYH=&UL#0I#;VYT
M96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT
M96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH
M=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N
M="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\
M<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO
M*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A
M9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$
M240P14Y$04D^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L
M(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^4U5-34%262!/1B!3
M24=.249)0T%.5"!!0T-/54Y424Y'(%!/3$E#2453("A.87)R871I=F4I("A$
M971A:6QS*2`H55-$("0I/&)R/DEN(%1H;W5S86YD<RP@97AC97!T(%-H87)E
M(&1A=&$L('5N;&5S<R!O=&AE<G=I<V4@<W!E8VEF:65D/"]S=')O;F<^/"]T
M:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#,^,3(@36]N
M=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@
M("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,CQB<CX\+W1H/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$Q/&)R/CPO=&@^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D)54TE.15-3
M($%.1"!.05154D4@3T8@3U!%4D%424].4SH\+W-T<F]N9SX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3G5M8F5R(&]F(&QO8V%T:6]N
M<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3@\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3G5M8F5R
M(&]F(&-O=6YT:65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E1R=7-T(&%N9"!F:6YA;F-I86P@<V5R=FEC97,@86YD(&%D;6EN:7-T
M97)S(&%S<V5T<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q
M+#<P,"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^/'-T<F]N9SY&141%4D%,($A/344@3$]!3B!"04Y+(%-4
M3T-+.CPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y087(@=F%L=64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/B0@,3`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/CQS=')O;F<^3$]!3E,Z/"]S=')O;F<^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1H<F5S:&]L9"!F;W(@9&ES8V]N
M=&EN=6EN9R!A8V-R=6%L(&]F(&EN=&5R97-T(&EN8V]M93PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SDP(&1A>7,\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!3$Q/
M5T%.0T4@1D]2($Q/04X@3$]34T53($%.1"!#2$%21T4M3T9&(%!23T-%1%52
M15,Z/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E1H<F5S:&]L9"!F;W(@:6YD:79I9'5A;&QY(&5V86QU871I;F<@;&]A
M;G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(U,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R
M;VYG/D5!4DY)3D=3(%!%4B!#3TU-3TX@4TA!4D4Z/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-H87)E<R!N;W0@:6YC
M;'5D960@:6X@8V]M<'5T871I;VX@;V8@96%R;FEN9W,@<&5R(&-O;6UO;B!S
M:&%R93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`S+#4W,#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0Y
M+#@T,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$X-2PY,3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D5X97)C:7-A8FQE(&%T(&5N9"!O9B!Y96%R/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#(N,C4\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#(N,CD\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#,N.#$\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/E=A<G)A;G1S(')E<'5R8VAA<V5D+"!S:&%R97,\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,2PS,3(L-3`P/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E-43T-++4)!
M4T5$($-/35!%3E-!5$E/3CH\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^4')E=&%X(&-O;7!E;G-A=&EO;B!E>'!E;G-E
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XX,CQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,X/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,34\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O
M;F<^0T].4T],241!5$5$(%-4051%345.5"!/1B!#05-(($9,3U=3.CPO<W1R
M;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);F-O
M;64@=&%X('!A>6UE;G1S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XQ,S<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ-#(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XY-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^3F]N+6-A<V@@=')A;G-F97)S('1O(&]T:&5R(')E86P@
M97-T871E(&]W;F5D/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW
M-C8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XQ+#(V-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C$V.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^5&]T86P@:6YT97)E<W0@<&%Y;65N=',\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C8L-S@Q/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^."PQ-30\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,"PV.3D\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DUI;FEM
M=6T@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^/'-T<F]N9SY%05).24Y'4R!015(@0T]-34].(%-(05)%.CPO<W1R;VYG
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%>&5R8VES
M86)L92!A="!E;F0@;V8@>65A<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`S+C`U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^)"`R+C@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XD(#(N,#<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DUA>&EM=6T@6TUE;6)E<ET\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY%05).
M24Y'4R!015(@0T]-34].(%-(05)%.CPO<W1R;VYG/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%>&5R8VES86)L92!A="!E;F0@;V8@
M>65A<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`U+C<U/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`U
M+C<U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^)"`V+C$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D-O;6UE<F-I86P@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!3$Q/5T%.0T4@1D]2($Q/
M04X@3$]34T53($%.1"!#2$%21T4M3T9&(%!23T-%1%5215,Z/"]S=')O;F<^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1H<F5S:&]L
M9"!F;W(@:6YD:79I9'5A;&QY(&5V86QU871I;F<@;&]A;G,\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C(U,#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y3;6%L;"!"=7-I;F5S<R!,
M;V%N<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/D%,3$]704Y#12!&3U(@3$]!3B!,3U-315,@04Y$($-(
M05)'12U/1D8@4%)/0T5$55)%4SH\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^5&AR97-H;VQD(&9O<B!C;VQL96-T:79E
M;'D@979A;'5A=&EN9R!L;V%N<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`R-3`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^0G5I;&1I;F=S(%M-96UB97)=/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4%)%34E315,@04Y$
M($5154E0345.5#H\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^57-E9G5L(&QI9F4\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<S,"!Y96%R<SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%<75I<&UE;G0@6TUE;6)E<ET\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY04D5-
M25-%4R!!3D0@15%525!-14Y4.CPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y5<V5F=6P@;&EF93PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)S$P('EE87)S/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H
M=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y
M,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#
M.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H
M965T<R]3:&5E=#4X+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z
M('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C
M:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-
M151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT
M+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V
M87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#
M;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B
M;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%3D-"1SX-"B`@("`@(#QT<CX-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS
M1#(^/'-T<F]N9SY354U-05)9($]&(%-)1TY)1DE#04Y4($%#0T]53E1)3D<@
M4$],24-)15,@*$5A<FYI;F=S(%!E<B!3:&%R92D@*$1E=&%I;',I("A54T0@
M)"D\8G(^26X@5&AO=7-A;F1S+"!E>&-E<'0@4&5R(%-H87)E(&1A=&$L('5N
M;&5S<R!O=&AE<G=I<V4@<W!E8VEF:65D/"]S=')O;F<^/"]T:#X-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#@^,R!-;VYT:',@16YD960\
M+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,SXQ,B!-
M;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@
M("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$S/&)R/CPO=&@^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/DIU;BX@,S`L(#(P,3,\8G(^/"]T
M:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^36%R+B`S,2P@,C`Q,SQB<CX\
M+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$R/&)R
M/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,3(\
M8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^2G5N+B`S,"P@,C`Q
M,CQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y-87(N(#,Q+"`R
M,#$R/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L
M(#(P,3,\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S
M,2P@,C`Q,CQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N
M(#,Q+"`R,#$Q/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#X\<W1R;VYG/E-534U!4ED@3T8@4TE'3DE&24-!3E0@04-#3U5.5$E.1R!0
M3TQ)0TE%4R!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T(&EN8V]M93PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+#@T,3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,2PR,C8\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$L,#<P
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M)"`Q+#`U-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/B0@-S,U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^)"`Q+#,P-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@,2PT,S(\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$L-38U/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`U+#$Y,SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-2PP
M,SD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XD(#8L-3,W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y0<F5F97)R960@<W1O8VL@9&EV:61E;F1S(&%N9"!A8V-R
M971I;VX@;V8@<')E9F5R<F5D('-T;V-K(&1I<V-O=6YT/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(P.3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@R.#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,S@U/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3D54
M($E.0T]-12!!5D%)3$%"3$4@5$\@0T]-34].(%-(05)%2$],1$524SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#0L.3@T/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`T
M+#(Q,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/B0@-2PQ-3(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/E=E:6=H=&5D(&%V97)A9V4@8V]M;6]N('-H87)E<R!O
M=71S=&%N9&EN9R`H8F%S:6,I/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C$X+#DT,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$Y+#8X-3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(Q+#$X-#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^169F96-T(&]F('-T
M;V-K(&]P=&EO;G,O=V%R<F%N=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^.3(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XV,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C(Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y796EG:'1E9"!A=F5R86=E(&-O;6UO
M;B!S:&%R97,@;W5T<W1A;F1I;F<@*&1I;'5T960I/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$Y+#`S-#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$Y+#<T-SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(Q+#(P-3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M/'-T<F]N9SY%87)N:6YG<R!P97(@8V]M;6]N('-H87)E.CPO<W1R;VYG/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D)A
M<VEC/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#`N,3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,"XP
M-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/B0@,"XP-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/B0@,"XP-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@,"XP-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@,"XP-3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,"XP-CQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,"XP-CQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,"XR-CQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@
M,"XR,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/B0@,"XR-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^1&EL=71E9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`P+C`Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^)"`P+C`V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^)"`P+C`U/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`P+C`U/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`P+C`T/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`P+C`U/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`P
M+C`V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^)"`P+C`V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^)"`P+C(V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^)"`P+C(Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`P+C(T/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M
M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P
M.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO
M.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E
M=',O4VAE970U.2YH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q
M=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA
M<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\3454
M02!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H
M=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S
M8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M
M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE
M(&-L87-S/3-$<F5P;W)T(&ED/3-$240P139#04,^#0H@("`@("`\='(^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0Q
M/CQS=')O;F<^4U5-34%262!/1B!324=.249)0T%.5"!!0T-/54Y424Y'(%!/
M3$E#2453("A38VAE9'5L92!O9B!!8V-U;75L871E9"!/=&AE<B!#;VUP<F5H
M96YS:79E($QO<W,I("A$971A:6QS*2`H55-$("0I/&)R/DEN(%1H;W5S86YD
M<RP@=6YL97-S(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3(\8G(^/"]T
M:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4U5-34%2
M62!/1B!324=.249)0T%.5"!!0T-/54Y424Y'(%!/3$E#2453(%M!8G-T<F%C
M=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y096YS:6]N(&]B;&EG871I;VX@9F]R(&1E9FEN960@8F5N969I="!P;&%N
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B0@*#8L.3$X*3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^)"`H.2PU
M,C`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y5;G)E86QI>F5D(&AO;&1I;F<@9V%I;G,@;VX@879A:6QA8FQE(&9O
M<B!S86QE('-E8W5R:71I97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$L,#0S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-"PQ-#$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;W4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!A8V-U;75L871E9"!O=&AE<B!C;VUP
M<F5H96YS:79E(&QO<W,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^
M)"`H-2PX-S4I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;3XD("@U+#,W.2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM
M+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S
M.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A.5\T
M-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E=#8P
M+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN
M=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA
M<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U
M:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S
M970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,]
M,T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S
M8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R
M97!O<G0@:60],T1)1#!%-4<^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0Q/CQS=')O;F<^0T%3
M2"!!3D0@1%5%($923TT@1$503U-)5$]262!)3E-425155$E/3E,@*$1E=&%I
M;',I("A54T0@)"D\8G(^26X@5&AO=7-A;F1S+"!U;FQE<W,@;W1H97)W:7-E
M('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S
M/3-$=&@^1&5C+B`S,2P@,C`Q,CQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^/'-T<F]N9SY#05-(($%.1"!$544@1E)/32!$15!/4TE4
M3U)9($E.4U1)5%5424].4R!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V%S:"!R97-E<G9E<R!R97%U
M:7)E9"!T;R!B92!M86EN=&%I;F5D('5N9&5R($9E9&5R86P@4F5S97)V92!"
M86YK(')E9W5L871I;VYS/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XD(#8Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM
M+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V
M,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y
M7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T
M-C$N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R
M:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S
M+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE
M<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA
M<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R
M8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\
M+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS
M1')E<&]R="!I9#TS1$E$,$5%4$)'/@T*("`@("`@/'1R/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,3X\<W1R;VYG
M/DE.5D535$U%3E0@4T5#55))5$E%4R`H4V-H961U;&4@;V8@0V]S="!"87-I
M<R!A;F0@1F%I<B!686QU97,@;V8@26YV97-T;65N="!396-U<FET:65S*2`H
M1&5T86EL<RD@*%531"`D*3QB<CY);B!4:&]U<V%N9',L('5N;&5S<R!O=&AE
M<G=I<V4@<W!E8VEF:65D/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L
M87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@("`\=&@@
M8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$R/&)R/CPO=&@^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D%V86EL86)L92U&;W(M4V%L92U3
M96-U<FET:65S+4%N9"U(96QD+51O+4UA='5R:71Y+5-E8W5R:71I97,\+W-T
M<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G9E
M<W1M96YT('-E8W5R:71I97,@879A:6QA8FQE(&9O<B!S86QE+"!#;W-T($)A
M<VES/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$T,"PS.3@\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD
M(#$T-2PR-C4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R!A=F%I;&%B;&4@9F]R
M('-A;&4L($=R;W-S(%5N<F5A;&EZ960@1V%I;G,\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C,L,3@U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^-BPS.3,\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=F5S=&UE;G0@<V5C=7)I
M=&EE<R!A=F%I;&%B;&4@9F]R('-A;&4L($=R;W-S(%5N<F5A;&EZ960@3&]S
M<V5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q+#8P-2D\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q,C`I
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F5U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^079A:6QA8FQE(&9O<B!386QE+"!&86ER(%9A;'5E+"!4;W1A;#PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,30Q+#DW.#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$U,2PU,S@\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN
M=F5S=&UE;G0@<V5C=7)I=&EE<R!H96QD('1O(&UA='5R:71Y+"!#;W-T($)A
M<VES/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ."PQ.#<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,RPW
M,C,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R!H96QD('1O(&UA='5R:71Y+"!'
M<F]S<R!5;G)E86QI>F5D($=A:6YS/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XR.#D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XU.3@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R!H96QD('1O
M(&UA='5R:71Y+"!'<F]S<R!5;G)E86QI>F5D($QO<W-E<SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;3XH-C@X*3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#4U*3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DAE;&0@=&\@36%T=7)I
M='DL($9A:7(@5F%L=64L(%1O=&%L/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ-RPW.#@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ-"PR-C8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/E4N4RX@06=E;F-Y(%M-96UB97)=/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!=F%I
M;&%B;&4M1F]R+5-A;&4M4V5C=7)I=&EE<RU!;F0M2&5L9"U4;RU-871U<FET
M>2U396-U<FET:65S/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^26YV97-T;65N="!S96-U<FET:65S(&%V86EL86)L92!F
M;W(@<V%L92P@0V]S="!"87-I<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^-BPY,C8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XU+#@T.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^26YV97-T;65N="!S96-U<FET:65S(&%V86EL
M86)L92!F;W(@<V%L92P@1W)O<W,@56YR96%L:7IE9"!'86EN<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S4\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YV97-T;65N="!S96-U
M<FET:65S(&%V86EL86)L92!F;W(@<V%L92P@1W)O<W,@56YR96%L:7IE9"!,
M;W-S97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$R-BD\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@W*3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D%V86EL86)L92!F;W(@4V%L92P@1F%I<B!686QU92P@5&]T86P\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8L.#,U/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-2PY,3$\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E4N4RX@06=E
M;F-Y(&UO<G1G86=E+6)A8VME9"!S96-U<FET:65S(%M-96UB97)=/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!=F%I;&%B
M;&4M1F]R+5-A;&4M4V5C=7)I=&EE<RU!;F0M2&5L9"U4;RU-871U<FET>2U3
M96-U<FET:65S/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^26YV97-T;65N="!S96-U<FET:65S(&%V86EL86)L92!F;W(@
M<V%L92P@0V]S="!"87-I<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,3(Q+#0X,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$S,2PT,C4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R!A=F%I
M;&%B;&4@9F]R('-A;&4L($=R;W-S(%5N<F5A;&EZ960@1V%I;G,\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,L,3(Y/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-BPS,C`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=F5S=&UE
M;G0@<V5C=7)I=&EE<R!A=F%I;&%B;&4@9F]R('-A;&4L($=R;W-S(%5N<F5A
M;&EZ960@3&]S<V5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q
M+#(R-RD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B@Q,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y!=F%I;&%B;&4@9F]R(%-A;&4L($9A:7(@5F%L=64L(%1O
M=&%L/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,C,L,S@R/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3,W
M+#<S-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^26YV97-T;65N="!S96-U<FET:65S(&AE;&0@=&\@;6%T=7)I='DL
M($-O<W0@0F%S:7,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$R
M+#8W,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/CDL,S$X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y);G9E<W1M96YT('-E8W5R:71I97,@:&5L9"!T;R!M871U
M<FET>2P@1W)O<W,@56YR96%L:7IE9"!'86EN<SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,C@Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^-3<X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G9E<W1M96YT('-E8W5R:71I97,@
M:&5L9"!T;R!M871U<FET>2P@1W)O<W,@56YR96%L:7IE9"!,;W-S97,\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#0W-RD\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F5U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^2&5L9"!T;R!-871U<FET>2P@1F%I<B!686QU92P@5&]T86P\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$R+#0X,SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/CDL.#DV/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;W)P;W)A
M=&4@8F]N9',@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#X\<W1R;VYG/D%V86EL86)L92U&;W(M4V%L92U396-U<FET:65S
M+4%N9"U(96QD+51O+4UA='5R:71Y+5-E8W5R:71I97,\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G9E<W1M96YT('-E
M8W5R:71I97,@879A:6QA8FQE(&9O<B!S86QE+"!#;W-T($)A<VES/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,2PY.3(\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW+#DY,CQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YV97-T
M;65N="!S96-U<FET:65S(&%V86EL86)L92!F;W(@<V%L92P@1W)O<W,@56YR
M96%L:7IE9"!'86EN<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,C$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XS/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y);G9E<W1M96YT('-E8W5R:71I97,@879A:6QA8FQE(&9O<B!S86QE
M+"!'<F]S<R!5;G)E86QI>F5D($QO<W-E<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;3XH,C4R*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6T^*#$P,RD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!=F%I;&%B;&4@9F]R(%-A;&4L($9A
M:7(@5F%L=64L(%1O=&%L/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XQ,2PW-C$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XW+#@Y,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^0V]R<&]R871E(&)O;F1S(&%N9"!O=&AE<B!S96-U
M<FET:65S(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^/'-T<F]N9SY!=F%I;&%B;&4M1F]R+5-A;&4M4V5C=7)I=&EE<RU!
M;F0M2&5L9"U4;RU-871U<FET>2U396-U<FET:65S/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YV97-T;65N="!S96-U
M<FET:65S(&AE;&0@=&\@;6%T=7)I='DL($-O<W0@0F%S:7,\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C,L.3DU/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPY.34\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=F5S=&UE;G0@
M<V5C=7)I=&EE<R!H96QD('1O(&UA='5R:71Y+"!'<F]S<R!5;G)E86QI>F5D
M($=A:6YS/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[
M)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,30\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R!H96QD('1O(&UA='5R
M:71Y+"!'<F]S<R!5;G)E86QI>F5D($QO<W-E<SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;3XH.3$I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;3XH-34I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F5U/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^2&5L9"!T;R!-871U<FET>2P@1F%I
M<B!686QU92P@5&]T86P\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C,L.3`T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,RPY-30\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/E1A>&%B;&4@375N:6-I<&%L(%M-96UB97)=/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!=F%I;&%B
M;&4M1F]R+5-A;&4M4V5C=7)I=&EE<RU!;F0M2&5L9"U4;RU-871U<FET>2U3
M96-U<FET:65S/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^26YV97-T;65N="!S96-U<FET:65S(&AE;&0@=&\@;6%T=7)I
M='DL($-O<W0@0F%S:7,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$L-3(Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^-#$P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y);G9E<W1M96YT('-E8W5R:71I97,@:&5L9"!T;R!M871U
M<FET>2P@1W)O<W,@56YR96%L:7IE9"!'86EN<SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=F5S=&UE;G0@<V5C
M=7)I=&EE<R!H96QD('1O(&UA='5R:71Y+"!'<F]S<R!5;G)E86QI>F5D($QO
M<W-E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,3(P*3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S
M<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y(96QD('1O($UA='5R:71Y+"!&86ER(%9A;'5E+"!4;W1A
M;#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+#0P,3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-#$V
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^
M#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R
M8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C
M871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S
M,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970V,BYH=&UL#0I#;VYT96YT+51R
M86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y
M<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*
M("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E
M(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T
M('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.
M;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@
M/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P149+
M0DL^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P
M86X],T0Q(')O=W-P86X],T0Q/CQS=')O;F<^24Y615-4345.5"!314-54DE4
M2453("A38VAE9'5L92!O9B!#;VYT<F%C='5A;"!-871U<FET:65S(&]F(%-E
M8W5R:71I97,I("A$971A:6QS*2`H55-$("0I/&)R/DEN(%1H;W5S86YD<RP@
M=6YL97-S(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3(\8G(^/"]T:#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^0V]N=')A8W1U
M86P@;6%T=7)I=&EE<R!O9B!S96-U<FET:65S/"]S=')O;F<^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^079A:6QA8FQE(&9O<B!386QE
M+"!#;W-T($)A<VES+"!7:71H:6X@,2!Y96%R/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^079A:6QA8FQE(&9O<B!3
M86QE+"!#;W-T($)A<VES+"!!9G1E<B`Q('EE87(@8G5T('=I=&AI;B`U('EE
M87)S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-2PW,S,\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!
M=F%I;&%B;&4@9F]R(%-A;&4L($-O<W0@0F%S:7,L($%F=&5R(#4@>65A<G,@
M8G5T('=I=&AI;B`Q,"!Y96%R<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,3<L,S<Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^079A:6QA8FQE(&9O<B!386QE+"!#;W-T($)A<VES
M+"!!9G1E<B`Q,"!Y96%R<R!B=70@=VET:&EN,34@>65A<G,\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C8T+#,T-SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@
M4V%L92P@0V]S="!"87-I<RP@3W9E<B`Q-2!Y96%R<SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^-#(L.3,Y/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@4V%L
M92P@0V]S="!"87-I<RP@5&]T86P\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C$T,"PS.3@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y!=F%I;&%B;&4@9F]R(%-A;&4L(%=I=&AI;B`Q
M('EE87(L(%EI96QD/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP
M+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D%V86EL86)L92!F;W(@4V%L92P@069T97(@,2!Y96%R(&)U="!W
M:71H:6X@-2!Y96%R<RP@66EE;&0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C$N.3`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^079A:6QA8FQE(&9O<B!386QE+"!!9G1E<B`U('EE
M87(@8G5T('=I=&AI;B`Q,"!Y96%R<RP@66EE;&0\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C(N-3DE/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^079A:6QA8FQE(&9O<B!386QE+"!!
M9G1E<B`Q,"!Y96%R(&)U="!W:71H:6X@,34@>65A<G,L(%EI96QD/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+C<T)3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F
M;W(@4V%L92P@3W9E<B`Q-2!Y96%R<RP@66EE;&0\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C(N-S0E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@4V%L92P@
M66EE;&0L(%1O=&%L/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR
M+C8S)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D%V86EL86)L92!F;W(@4V%L92P@1F%I<B!686QU92P@5VET:&EN
M(#$@>65A<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P
M.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D%V86EL86)L92!F;W(@4V%L92P@1F%I<B!686QU92P@069T
M97(@,2!Y96%R(&)U="!W:71H:6X@-2!Y96%R<SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,34L-S<Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^079A:6QA8FQE(&9O<B!386QE+"!&
M86ER(%9A;'5E+"!!9G1E<B`U('EE87)S(&)U="!W:71H:6X@,3`@>65A<G,\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$W+#0X-CQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL
M86)L92!F;W(@4V%L92P@1F%I<B!686QU92P@069T97(@,3`@>65A<G,@8G5T
M('=I=&AI;C$U('EE87)S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XV-"PW-3$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y!=F%I;&%B;&4@9F]R(%-A;&4L($9A:7(@5F%L=64L($]V
M97(@,34@>65A<G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0S
M+#DV,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y!=F%I;&%B;&4@9F]R(%-A;&4L($9A:7(@5F%L=64L(%1O=&%L
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-#$L.3<X/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,34Q+#4S
M.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^2&5L9"!T;R!-871U<FET>2P@0V]S="!"87-I<RP@5VET:&EN(#$@>65A
M<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P
M.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/DAE;&0@=&\@36%T=7)I='DL($-O<W0@0F%S:7,L($%F=&5R(#$@>65A
M<B!B=70@=VET:&EN(#4@>65A<G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C,L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^2&5L9"!T;R!-871U<FET>2P@0V]S="!"87-I<RP@
M069T97(@-2!Y96%R<R!B=70@=VET:&EN(#$P('EE87)S/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ+#<V,#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DAE;&0@=&\@36%T=7)I='DL
M($-O<W0@0F%S:7,L($%F=&5R(#$P('EE87)S(&)U="!W:71H:6X@,34@>65A
M<G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,#$Q/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^2&5L
M9"!T;R!-871U<FET>2P@0V]S="!"87-I<RP@3W9E<B`Q-2!Y96%R<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3(L-#$V/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DAE;&0@=&\@
M36%T=7)I='DL($-O<W0@0F%S:7,L(%1O=&%L/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ."PQ.#<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ,RPW,C,\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DAE;&0@=&\@36%T=7)I='DL
M(%=I=&AI;B`Q('EE87(L(%EI96QD/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XP+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DAE;&0@=&\@36%T=7)I='DL($%F=&5R(#$@>65A
M<B!B=70@=VET:&EN(#4@>65A<G,L(%EI96QD/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ+C0V)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/DAE;&0@=&\@36%T=7)I='DL($%F=&5R
M(#4@>65A<G,@8G5T('=I=&AI;B`Q,"!Y96%R<RP@66EE;&0\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C(N,3`E/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^2&5L9"!T;R!-871U<FET
M>2P@069T97(@,3`@>65A<G,@8G5T('=I=&AI;B`Q-2!Y96%R<RP@66EE;&0\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,N,30E/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^2&5L9"!T
M;R!-871U<FET>2P@3W9E<B`Q-2!Y96%R<RP@66EE;&0\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C,N-C(E/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DAE;&0@=&\@36%T=7)I='DL
M(%EI96QD+"!4;W1A;#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,RXP.24\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y(96QD('1O($UA='5R:71Y+"!&86ER(%9A;'5E+"!7:71H:6X@
M,2!Y96%R/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[
M)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^2&5L9"!T;R!-871U<FET>2P@1F%I<B!686QU92P@069T97(@
M,2!Y96%R(&)U="!W:71H:6X@-2!Y96%R<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,BPY-C8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y(96QD('1O($UA='5R:71Y+"!&86ER(%9A
M;'5E+"!!9G1E<B`U('EE87)S(&)U="!W:71H:6X@,3`@>65A<G,\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L-C$X/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^2&5L9"!T;R!-871U
M<FET>2P@1F%I<B!686QU92P@069T97(@,3`@>65A<G,@8G5T('=I=&AI;B`Q
M-2!Y96%R<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.#DQ/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M2&5L9"!T;R!-871U<FET>2P@1F%I<B!686QU92P@3W9E<B`Q-2!Y96%R<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3(L,S$S/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DAE;&0@
M=&\@36%T=7)I='DL($9A:7(@5F%L=64L(%1O=&%L/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ-RPW.#@\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-"PR-C8\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E4N4RX@06=E;F-Y(%M-
M96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T
M<F]N9SY#;VYT<F%C='5A;"!M871U<FET:65S(&]F('-E8W5R:71I97,\+W-T
M<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!=F%I
M;&%B;&4@9F]R(%-A;&4L($-O<W0@0F%S:7,L(%=I=&AI;B`Q('EE87(\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!
M=F%I;&%B;&4@9F]R(%-A;&4L($-O<W0@0F%S:7,L($%F=&5R(#$@>65A<B!B
M=70@=VET:&EN(#4@>65A<G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C4L.3(V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^079A:6QA8FQE(&9O<B!386QE+"!#;W-T($)A<VES+"!!
M9G1E<B`U('EE87)S(&)U="!W:71H:6X@,3`@>65A<G,\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^079A:6QA8FQE(&9O<B!386QE
M+"!#;W-T($)A<VES+"!!9G1E<B`Q,"!Y96%R<R!B=70@=VET:&EN,34@>65A
M<G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S
M<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y!=F%I;&%B;&4@9F]R(%-A;&4L($-O<W0@0F%S:7,L($]V97(@,34@
M>65A<G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF
M;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F5U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^079A:6QA8FQE(&9O<B!386QE+"!#;W-T($)A<VES+"!4;W1A
M;#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-BPY,C8\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!=F%I
M;&%B;&4@9F]R(%-A;&4L(%=I=&AI;B`Q('EE87(L(%EI96QD/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XP+C`P)3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@
M4V%L92P@069T97(@,2!Y96%R(&)U="!W:71H:6X@-2!Y96%R<RP@66EE;&0\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$N-3`E/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^079A:6QA
M8FQE(&9O<B!386QE+"!!9G1E<B`U('EE87(@8G5T('=I=&AI;B`Q,"!Y96%R
M<RP@66EE;&0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$N-#,E
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^079A:6QA8FQE(&9O<B!386QE+"!!9G1E<B`Q,"!Y96%R(&)U="!W:71H
M:6X@,34@>65A<G,L(%EI96QD/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XP+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@4V%L92P@3W9E<B`Q-2!Y96%R
M<RP@66EE;&0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`N,#`E
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D%V86EL86)L92!F;W(@4V%L92P@66EE;&0L(%1O=&%L/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+C0Y)3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@
M4V%L92P@1F%I<B!686QU92P@5VET:&EN(#$@>65A<CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F
M;W(@4V%L92P@1F%I<B!686QU92P@069T97(@,2!Y96%R(&)U="!W:71H:6X@
M-2!Y96%R<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-2PX.3@\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y!=F%I;&%B;&4@9F]R(%-A;&4L($9A:7(@5F%L=64L($%F=&5R(#4@>65A
M<G,@8G5T('=I=&AI;B`Q,"!Y96%R<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^.3,W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^079A:6QA8FQE(&9O<B!386QE+"!&86ER(%9A;'5E
M+"!!9G1E<B`Q,"!Y96%R<R!B=70@=VET:&EN,34@>65A<G,\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!=F%I;&%B
M;&4@9F]R(%-A;&4L($9A:7(@5F%L=64L($]V97(@,34@>65A<G,\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F5U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^079A
M:6QA8FQE(&9O<B!386QE+"!&86ER(%9A;'5E+"!4;W1A;#PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^-BPX,S4\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU+#DQ,3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^52Y3+B!!9V5N8WD@
M;6]R=&=A9V4M8F%C:V5D('-E8W5R:71I97,@6TUE;6)E<ET\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D-O;G1R86-T=6%L
M(&UA='5R:71I97,@;V8@<V5C=7)I=&EE<SPO<W1R;VYG/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@4V%L92P@
M0V]S="!"87-I<RP@5VET:&EN(#$@>65A<CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@4V%L
M92P@0V]S="!"87-I<RP@069T97(@,2!Y96%R(&)U="!W:71H:6X@-2!Y96%R
M<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PX,3,\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!=F%I
M;&%B;&4@9F]R(%-A;&4L($-O<W0@0F%S:7,L($%F=&5R(#4@>65A<G,@8G5T
M('=I=&AI;B`Q,"!Y96%R<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,3(L,S@Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^079A:6QA8FQE(&9O<B!386QE+"!#;W-T($)A<VES+"!!
M9G1E<B`Q,"!Y96%R<R!B=70@=VET:&EN,34@>65A<G,\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C8T+#,T-SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@4V%L
M92P@0V]S="!"87-I<RP@3W9E<B`Q-2!Y96%R<SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-#(L.3,Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@4V%L92P@
M0V]S="!"87-I<RP@5&]T86P\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$R,2PT.#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y!=F%I;&%B;&4@9F]R(%-A;&4L(%=I=&AI;B`Q('EE
M87(L(%EI96QD/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP+C`P
M)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D%V86EL86)L92!F;W(@4V%L92P@069T97(@,2!Y96%R(&)U="!W:71H
M:6X@-2!Y96%R<RP@66EE;&0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C0N-30E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^079A:6QA8FQE(&9O<B!386QE+"!!9G1E<B`U('EE87(@
M8G5T('=I=&AI;B`Q,"!Y96%R<RP@66EE;&0\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C(N.#@E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^079A:6QA8FQE(&9O<B!386QE+"!!9G1E
M<B`Q,"!Y96%R(&)U="!W:71H:6X@,34@>65A<G,L(%EI96QD/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+C<T)3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@
M4V%L92P@3W9E<B`Q-2!Y96%R<RP@66EE;&0\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C(N-S0E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@4V%L92P@66EE
M;&0L(%1O=&%L/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+C<X
M)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D%V86EL86)L92!F;W(@4V%L92P@1F%I<B!686QU92P@5VET:&EN(#$@
M>65A<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N
M8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D%V86EL86)L92!F;W(@4V%L92P@1F%I<B!686QU92P@069T97(@
M,2!Y96%R(&)U="!W:71H:6X@-2!Y96%R<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,2PY,S0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y!=F%I;&%B;&4@9F]R(%-A;&4L($9A:7(@
M5F%L=64L($%F=&5R(#4@>65A<G,@8G5T('=I=&AI;B`Q,"!Y96%R<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3(L-S,U/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^079A:6QA8FQE
M(&9O<B!386QE+"!&86ER(%9A;'5E+"!!9G1E<B`Q,"!Y96%R<R!B=70@=VET
M:&EN,34@>65A<G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8T
M+#<U,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D%V86EL86)L92!F;W(@4V%L92P@1F%I<B!686QU92P@3W9E<B`Q
M-2!Y96%R<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#,L.38R
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D%V86EL86)L92!F;W(@4V%L92P@1F%I<B!686QU92P@5&]T86P\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$R,RPS.#(\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,S<L-S,U/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y(
M96QD('1O($UA='5R:71Y+"!#;W-T($)A<VES+"!7:71H:6X@,2!Y96%R/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M2&5L9"!T;R!-871U<FET>2P@0V]S="!"87-I<RP@069T97(@,2!Y96%R(&)U
M="!W:71H:6X@-2!Y96%R<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/DAE;&0@=&\@36%T=7)I='DL($-O<W0@0F%S
M:7,L($%F=&5R(#4@>65A<G,@8G5T('=I=&AI;B`Q,"!Y96%R<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PW-C`\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y(96QD('1O($UA='5R
M:71Y+"!#;W-T($)A<VES+"!!9G1E<B`Q,"!Y96%R<R!B=70@=VET:&EN(#$U
M('EE87)S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[
M)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^2&5L9"!T;R!-871U<FET>2P@0V]S="!"87-I<RP@3W9E<B`Q
M-2!Y96%R<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`L.3$Q
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/DAE;&0@=&\@36%T=7)I='DL($-O<W0@0F%S:7,L(%1O=&%L/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,BPV-S$\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XY+#,Q.#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^2&5L9"!T
M;R!-871U<FET>2P@5VET:&EN(#$@>65A<BP@66EE;&0\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C`N,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^2&5L9"!T;R!-871U<FET>2P@
M069T97(@,2!Y96%R(&)U="!W:71H:6X@-2!Y96%R<RP@66EE;&0\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`N,#`E/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^2&5L9"!T;R!-871U
M<FET>2P@069T97(@-2!Y96%R<R!B=70@=VET:&EN(#$P('EE87)S+"!9:65L
M9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BXQ,"4\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y(96QD
M('1O($UA='5R:71Y+"!!9G1E<B`Q,"!Y96%R<R!B=70@=VET:&EN(#$U('EE
M87)S+"!9:65L9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,"XP
M,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y(96QD('1O($UA='5R:71Y+"!/=F5R(#$U('EE87)S+"!9:65L9#PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RXT.24\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F5U
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^2&5L9"!T
M;R!-871U<FET>2P@66EE;&0L(%1O=&%L/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XS+C,P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/DAE;&0@=&\@36%T=7)I='DL($9A:7(@5F%L
M=64L(%=I=&AI;B`Q('EE87(\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y(96QD('1O($UA='5R:71Y+"!&86ER(%9A
M;'5E+"!!9G1E<B`Q('EE87(@8G5T('=I=&AI;B`U('EE87)S/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^2&5L9"!T
M;R!-871U<FET>2P@1F%I<B!686QU92P@069T97(@-2!Y96%R<R!B=70@=VET
M:&EN(#$P('EE87)S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ
M+#8Q.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/DAE;&0@=&\@36%T=7)I='DL($9A:7(@5F%L=64L($%F=&5R(#$P
M('EE87)S(&)U="!W:71H:6X@,34@>65A<G,\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y(96QD('1O($UA='5R:71Y
M+"!&86ER(%9A;'5E+"!/=F5R(#$U('EE87)S/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ,"PX-C4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F5U/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^2&5L9"!T;R!-871U<FET>2P@1F%I
M<B!686QU92P@5&]T86P\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$R+#0X,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/CDL.#DV/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y#;W)P;W)A=&4@8F]N9',@6TUE;6)E<ET\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D-O;G1R86-T
M=6%L(&UA='5R:71I97,@;V8@<V5C=7)I=&EE<SPO<W1R;VYG/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@4V%L
M92P@0V]S="!"87-I<RP@5VET:&EN(#$@>65A<CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@
M4V%L92P@0V]S="!"87-I<RP@069T97(@,2!Y96%R(&)U="!W:71H:6X@-2!Y
M96%R<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-RPY.30\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!
M=F%I;&%B;&4@9F]R(%-A;&4L($-O<W0@0F%S:7,L($%F=&5R(#4@>65A<G,@
M8G5T('=I=&AI;B`Q,"!Y96%R<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,RPY.3@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y!=F%I;&%B;&4@9F]R(%-A;&4L($-O<W0@0F%S:7,L
M($%F=&5R(#$P('EE87)S(&)U="!W:71H:6XQ-2!Y96%R<SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L
M92!F;W(@4V%L92P@0V]S="!"87-I<RP@3W9E<B`Q-2!Y96%R<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M974^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!=F%I
M;&%B;&4@9F]R(%-A;&4L($-O<W0@0F%S:7,L(%1O=&%L/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ,2PY.3(\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!=F%I;&%B;&4@9F]R(%-A
M;&4L(%=I=&AI;B`Q('EE87(L(%EI96QD/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XP+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@4V%L92P@069T97(@
M,2!Y96%R(&)U="!W:71H:6X@-2!Y96%R<RP@66EE;&0\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$N-38E/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^079A:6QA8FQE(&9O<B!386QE
M+"!!9G1E<B`U('EE87(@8G5T('=I=&AI;B`Q,"!Y96%R<RP@66EE;&0\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$N.3$E/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^079A:6QA8FQE
M(&9O<B!386QE+"!!9G1E<B`Q,"!Y96%R(&)U="!W:71H:6X@,34@>65A<G,L
M(%EI96QD/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP+C`P)3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D%V86EL86)L92!F;W(@4V%L92P@3W9E<B`Q-2!Y96%R<RP@66EE;&0\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`N,#`E/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L
M92!F;W(@4V%L92P@66EE;&0L(%1O=&%L/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ+C8X)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@4V%L92P@1F%I<B!6
M86QU92P@5VET:&EN(#$@>65A<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@4V%L92P@1F%I
M<B!686QU92P@069T97(@,2!Y96%R(&)U="!W:71H:6X@-2!Y96%R<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-RPY-#<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!=F%I;&%B;&4@
M9F]R(%-A;&4L($9A:7(@5F%L=64L($%F=&5R(#4@>65A<G,@8G5T('=I=&AI
M;B`Q,"!Y96%R<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPX
M,30\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y!=F%I;&%B;&4@9F]R(%-A;&4L($9A:7(@5F%L=64L($%F=&5R(#$P
M('EE87)S(&)U="!W:71H:6XQ-2!Y96%R<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@4V%L
M92P@1F%I<B!686QU92P@3W9E<B`Q-2!Y96%R<SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!=F%I;&%B;&4@9F]R
M(%-A;&4L($9A:7(@5F%L=64L(%1O=&%L/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ,2PW-C$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XW+#@Y,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V]R<&]R871E(&)O;F1S(&%N9"!O
M=&AE<B!S96-U<FET:65S(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^/'-T<F]N9SY#;VYT<F%C='5A;"!M871U<FET:65S
M(&]F('-E8W5R:71I97,\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y(96QD('1O($UA='5R:71Y+"!#;W-T($)A<VES+"!7
M:71H:6X@,2!Y96%R/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^2&5L9"!T;R!-871U<FET>2P@0V]S="!"87-I<RP@
M069T97(@,2!Y96%R(&)U="!W:71H:6X@-2!Y96%R<SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,RPP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y(96QD('1O($UA='5R:71Y+"!#
M;W-T($)A<VES+"!!9G1E<B`U('EE87)S(&)U="!W:71H:6X@,3`@>65A<G,\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y(96QD('1O($UA='5R:71Y+"!#;W-T($)A<VES+"!!9G1E<B`Q,"!Y96%R
M<R!B=70@=VET:&EN(#$U('EE87)S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ+#`Q,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DAE;&0@=&\@36%T=7)I='DL($-O<W0@0F%S:7,L
M($]V97(@,34@>65A<G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$L-3`U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DAE;&0@=&\@36%T=7)I='DL($-O<W0@0F%S:7,L(%1O=&%L
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU+#4Q-CQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DAE;&0@
M=&\@36%T=7)I='DL(%=I=&AI;B`Q('EE87(L(%EI96QD/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XP+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DAE;&0@=&\@36%T=7)I='DL
M($%F=&5R(#$@>65A<B!B=70@=VET:&EN(#4@>65A<G,L(%EI96QD/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+C0V)3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DAE;&0@=&\@36%T
M=7)I='DL($%F=&5R(#4@>65A<G,@8G5T('=I=&AI;B`Q,"!Y96%R<RP@66EE
M;&0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`N,#`E/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^2&5L
M9"!T;R!-871U<FET>2P@069T97(@,3`@>65A<G,@8G5T('=I=&AI;B`Q-2!Y
M96%R<RP@66EE;&0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,N
M,30E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^2&5L9"!T;R!-871U<FET>2P@3W9E<B`Q-2!Y96%R<RP@66EE;&0\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0N-30E/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DAE;&0@
M=&\@36%T=7)I='DL(%EI96QD+"!4;W1A;#PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,BXV,24\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y(96QD('1O($UA='5R:71Y+"!&86ER(%9A
M;'5E+"!7:71H:6X@,2!Y96%R/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^2&5L9"!T;R!-871U<FET>2P@1F%I<B!6
M86QU92P@069T97(@,2!Y96%R(&)U="!W:71H:6X@-2!Y96%R<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPY-C8\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y(96QD('1O($UA='5R
M:71Y+"!&86ER(%9A;'5E+"!!9G1E<B`U('EE87)S(&)U="!W:71H:6X@,3`@
M>65A<G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF
M;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y(96QD('1O($UA='5R:71Y+"!&86ER(%9A;'5E+"!!9G1E<B`Q
M,"!Y96%R<R!B=70@=VET:&EN(#$U('EE87)S/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XX.3$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y(96QD('1O($UA='5R:71Y+"!&86ER(%9A
M;'5E+"!/=F5R(#$U('EE87)S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ+#0T.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y(96QD('1O($UA='5R:71Y+"!&86ER(%9A;'5E+"!4
M;W1A;#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`U+#,P-3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-
M"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R,S)C
M-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,;V-A
M=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P
M-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E=#8S+FAT;6P-"D-O;G1E;G0M5')A
M;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP
M93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@
M(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@
M8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@
M='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO
M="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\
M8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%53-"
M1SX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A
M;CTS1#$@<F]W<W!A;CTS1#$^/'-T<F]N9SY)3E9%4U1-14Y4(%-%0U52251)
M15,@*%-C:&5D=6QE(&]F($EN9F]R;6%T:6]N($-O;F-E<FYI;F<@26YV97-T
M;65N=',@=VET:"!5;G)E86QI>F5D($QO<W-E<RD@*$1E=&%I;',I("A54T0@
M)"D\8G(^26X@5&AO=7-A;F1S+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE
M9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@
M,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C
M+B`S,2P@,C`Q,CQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^/'-T<F]N9SY);F9O<FUA=&EO;B!C;VYC97)N:6YG(&EN=F5S=&UE;G1S
M('=I=&@@=6YR96%L:7IE9"!L;W-S97,\+W-T<F]N9SX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G9E<W1M96YT('-E8W5R:71I97,@
M879A:6QA8FQE(&9O<B!S86QE+"!,97-S('1H86X@,3(@;6]N=&AS+"!&86ER
M(%9A;'5E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#4S+#DY
M,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/B0@.2PP,S$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R!A=F%I;&%B;&4@9F]R
M('-A;&4L($QE<W,@=&AA;B`Q,B!M;VYT:',L(%5N<F5A;&EZ960@3&]S<V5S
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q+#4P,RD\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q,3@I/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y)
M;G9E<W1M96YT('-E8W5R:71I97,@879A:6QA8FQE(&9O<B!S86QE+"`Q,B!M
M;VYT:',@;W(@;&]N9V5R+"!&86ER(%9A;'5E/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XS+#4W,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C,T.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YV97-T;65N="!S96-U<FET:65S
M(&%V86EL86)L92!F;W(@<V%L92P@,3(@;6]N=&AS(&]R(&QO;F=E<BP@56YR
M96%L:7IE9"!,;W-S97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^
M*#$P,BD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B@R*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R!A=F%I;&%B;&4@9F]R
M('-A;&4L(%1O=&%L+"!&86ER(%9A;'5E/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XU-RPU-C$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XY+#,X,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE
M<R!A=F%I;&%B;&4@9F]R('-A;&4L($=R;W-S(%5N<F5A;&EZ960@3&]S<V5S
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q+#8P-2D\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q,C`I/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y)
M;G9E<W1M96YT('-E8W5R:71I97,@:&5L9"!T;R!M871U<FET>2P@3&5S<R!T
M:&%N(#$R(&UO;G1H<RP@1F%I<B!686QU93PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,3(L-38R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^.38U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G9E<W1M96YT('-E8W5R:71I97,@
M:&5L9"!T;R!M871U<FET>2P@3&5S<R!T:&%N(#$R(&UO;G1H<RP@56YR96%L
M:7IE9"!,;W-S97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#8X
M,BD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B@S-2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R!H96QD('1O(&UA='5R:71Y
M+"`Q,B!M;VYT:',@;W(@;&]N9V5R+"!&86ER(%9A;'5E/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XY.30\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#DX,3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YV97-T;65N="!S96-U
M<FET:65S(&AE;&0@=&\@;6%T=7)I='DL(#$R(&UO;G1H<R!O<B!L;VYG97(L
M(%5N<F5A;&EZ960@3&]S<V5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B@V*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6T^*#(P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R!H96QD('1O(&UA
M='5R:71Y+"!4;W1A;"!&86ER(%9A;'5E/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ,RPU-38\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XR+#DT-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YV97-T;65N="!S96-U<FET:65S
M(&AE;&0@=&\@;6%T=7)I='DL(%1O=&%L(%5N<F5A;&EZ960@3&]S<V5S/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@V.#@I/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH-34I/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y5+E,N($%G
M96YC>2!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/CQS=')O;F<^26YF;W)M871I;VX@8V]N8V5R;FEN9R!I;G9E<W1M96YT
M<R!W:71H('5N<F5A;&EZ960@;&]S<V5S/"]S=')O;F<^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YV97-T;65N="!S96-U<FET:65S
M(&%V86EL86)L92!F;W(@<V%L92P@3&5S<R!T:&%N(#$R(&UO;G1H<RP@1F%I
M<B!686QU93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPX,3(\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XY
M.3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R!A=F%I;&%B;&4@9F]R('-A;&4L
M($QE<W,@=&AA;B`Q,B!M;VYT:',L(%5N<F5A;&EZ960@3&]S<V5S/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@V-"D\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@W*3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YV97-T;65N="!S
M96-U<FET:65S(&%V86EL86)L92!F;W(@<V%L92P@,3(@;6]N=&AS(&]R(&QO
M;F=E<BP@1F%I<B!686QU93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^.3,X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^26YV97-T;65N="!S96-U<FET:65S(&%V
M86EL86)L92!F;W(@<V%L92P@,3(@;6]N=&AS(&]R(&QO;F=E<BP@56YR96%L
M:7IE9"!,;W-S97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#8R
M*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;W4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y);G9E<W1M96YT('-E8W5R:71I97,@879A:6QA
M8FQE(&9O<B!S86QE+"!4;W1A;"P@1F%I<B!686QU93PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^-"PW-3`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XY.3,\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G9E<W1M96YT('-E8W5R
M:71I97,@879A:6QA8FQE(&9O<B!S86QE+"!'<F]S<R!5;G)E86QI>F5D($QO
M<W-E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,3(V*3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#<I/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y5
M+E,N($%G96YC>2!M;W)T9V%G92UB86-K960@<V5C=7)I=&EE<R!;365M8F5R
M73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^
M26YF;W)M871I;VX@8V]N8V5R;FEN9R!I;G9E<W1M96YT<R!W:71H('5N<F5A
M;&EZ960@;&]S<V5S/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^26YV97-T;65N="!S96-U<FET:65S(&%V86EL86)L92!F
M;W(@<V%L92P@3&5S<R!T:&%N(#$R(&UO;G1H<RP@1F%I<B!686QU93PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#,L-#`R/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PQ-#`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=F5S
M=&UE;G0@<V5C=7)I=&EE<R!A=F%I;&%B;&4@9F]R('-A;&4L($QE<W,@=&AA
M;B`Q,B!M;VYT:',L(%5N<F5A;&EZ960@3&]S<V5S/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M/B@Q+#(R-"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M/B@X*3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YV97-T;65N="!S96-U<FET
M:65S(&%V86EL86)L92!F;W(@<V%L92P@,3(@;6]N=&AS(&]R(&QO;F=E<BP@
M1F%I<B!686QU93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C8Y
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,S0Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y);G9E<W1M96YT('-E8W5R:71I97,@879A:6QA8FQE(&9O<B!S86QE
M+"`Q,B!M;VYT:',@;W(@;&]N9V5R+"!5;G)E86QI>F5D($QO<W-E<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,RD\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@R*3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O=3X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=F5S=&UE;G0@
M<V5C=7)I=&EE<R!A=F%I;&%B;&4@9F]R('-A;&4L(%1O=&%L+"!&86ER(%9A
M;'5E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT-"PP-S$\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#0X
M.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R!A=F%I;&%B;&4@9F]R('-A;&4L
M($=R;W-S(%5N<F5A;&EZ960@3&]S<V5S/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@Q+#(R-RD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M/B@Q,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R!H
M96QD('1O(&UA='5R:71Y+"!,97-S('1H86X@,3(@;6]N=&AS+"!&86ER(%9A
M;'5E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XX+#<V,3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN
M=F5S=&UE;G0@<V5C=7)I=&EE<R!H96QD('1O(&UA='5R:71Y+"!,97-S('1H
M86X@,3(@;6]N=&AS+"!5;G)E86QI>F5D($QO<W-E<SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;3XH-#<W*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE
M<R!H96QD('1O(&UA='5R:71Y+"`Q,B!M;VYT:',@;W(@;&]N9V5R+"!&86ER
M(%9A;'5E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[
M)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^26YV97-T;65N="!S96-U<FET:65S(&AE;&0@=&\@;6%T=7)I
M='DL(#$R(&UO;G1H<R!O<B!L;VYG97(L(%5N<F5A;&EZ960@3&]S<V5S/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R!H96QD('1O(&UA='5R:71Y+"!4;W1A
M;"!&86ER(%9A;'5E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XX
M+#<V,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R!H96QD('1O(&UA='5R:71Y
M+"!4;W1A;"!5;G)E86QI>F5D($QO<W-E<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;3XH-#<W*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/D-O<G!O<F%T92!B;VYD<R!;365M8F5R73PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^26YF
M;W)M871I;VX@8V]N8V5R;FEN9R!I;G9E<W1M96YT<R!W:71H('5N<F5A;&EZ
M960@;&]S<V5S/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^26YV97-T;65N="!S96-U<FET:65S(&%V86EL86)L92!F;W(@
M<V%L92P@3&5S<R!T:&%N(#$R(&UO;G1H<RP@1F%I<B!686QU93PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-BPW-S<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV+#@Y.#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YV97-T;65N
M="!S96-U<FET:65S(&%V86EL86)L92!F;W(@<V%L92P@3&5S<R!T:&%N(#$R
M(&UO;G1H<RP@56YR96%L:7IE9"!,;W-S97,\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6T^*#(Q-2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M/B@Q,#,I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G9E<W1M96YT('-E8W5R:71I97,@
M879A:6QA8FQE(&9O<B!S86QE+"`Q,B!M;VYT:',@;W(@;&]N9V5R+"!&86ER
M(%9A;'5E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#DV,SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F
M;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R!A=F%I;&%B;&4@
M9F]R('-A;&4L(#$R(&UO;G1H<R!O<B!L;VYG97(L(%5N<F5A;&EZ960@3&]S
M<V5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@S-RD\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[
M)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^26YV97-T;65N="!S96-U<FET:65S(&%V86EL86)L92!F;W(@
M<V%L92P@5&]T86PL($9A:7(@5F%L=64\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C@L-S0P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-BPX.3@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G9E<W1M96YT('-E8W5R:71I97,@
M879A:6QA8FQE(&9O<B!S86QE+"!'<F]S<R!5;G)E86QI>F5D($QO<W-E<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,C4R*3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$P,RD\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-O<G!O
M<F%T92!B;VYD<R!A;F0@;W1H97(@<V5C=7)I=&EE<R!;365M8F5R73PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^26YF;W)M
M871I;VX@8V]N8V5R;FEN9R!I;G9E<W1M96YT<R!W:71H('5N<F5A;&EZ960@
M;&]S<V5S/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^26YV97-T;65N="!S96-U<FET:65S(&AE;&0@=&\@;6%T=7)I='DL
M($QE<W,@=&AA;B`Q,B!M;VYT:',L($9A:7(@5F%L=64\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C,L.#`Q/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.38U/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G9E<W1M96YT('-E8W5R
M:71I97,@:&5L9"!T;R!M871U<FET>2P@3&5S<R!T:&%N(#$R(&UO;G1H<RP@
M56YR96%L:7IE9"!,;W-S97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6T^*#(P-2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M/B@S-2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R!H96QD('1O(&UA
M='5R:71Y+"`Q,B!M;VYT:',@;W(@;&]N9V5R+"!&86ER(%9A;'5E/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XY.30\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#DX,3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YV97-T;65N
M="!S96-U<FET:65S(&AE;&0@=&\@;6%T=7)I='DL(#$R(&UO;G1H<R!O<B!L
M;VYG97(L(%5N<F5A;&EZ960@3&]S<V5S/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@V*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6T^*#(P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O=3X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R!H96QD
M('1O(&UA='5R:71Y+"!4;W1A;"!&86ER(%9A;'5E/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XT+#<Y-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C(L.30V/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G9E<W1M96YT('-E8W5R
M:71I97,@:&5L9"!T;R!M871U<FET>2P@5&]T86P@56YR96%L:7IE9"!,;W-S
M97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^)"`H,C$Q*3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^)"`H-34I
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^
M#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R
M8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C
M871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S
M,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970V-"YH=&UL#0I#;VYT96YT+51R
M86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y
M<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*
M("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E
M(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T
M('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.
M;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@
M/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P135$
M0D<^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P
M86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^24Y615-4345.5"!314-54DE4
M2453("A.87)R871I=F4I("A$971A:6QS*2`H55-$("0I/&)R/DEN(%1H;W5S
M86YD<RP@=6YL97-S(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H
M/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,SXQ,B!-;VYT
M:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$R/&)R/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3$\8G(^/"]T:#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^26YV97-T;65N
M="!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^1W)O<W,@:6YV97-T;65N="!G86EN<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R.#D\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$R/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P
M.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^1W)O<W,@:6YV97-T;65N="!L;W-S97,\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C@U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,U.#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4F5A;&EZ960@9V%I
M;B`H;&]S<RDL(&YE="!O9B!T87@\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C$S-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@R,S8I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y);F-O;64@=&%X(&5F9F5C=#PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^-CD\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XT/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,3(R*3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5V5I9VAT960@879E<F%G
M92!E>'!E8W1E9"!M871U<FET>2!F;W(@:6YV97-T;65N="!S96-U<FET:65S
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG,R!Y96%R<R`V(&UO
M;G1H<R`T(&1A>7,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^/'-T<F]N9SY);G9E<W1M96YT(%-E8W5R:71I97,Z
M/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/E!R;V-E961S(&9R;VT@<V%L97,@;V8@:6YV97-T;65N="!S96-U<FET:65S
M("T@879A:6QA8FQE(&9O<B!S86QE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ,2PQ.#4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XT+#(R,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$V+#4Q.#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0F]O:R!V86QU92!O9B!S96-U
M<FET:65S(&%V86EL86)L92!F;W(@<V%L92!A;F0@:&5L9"!T;R!M871U<FET
M>3PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q,3`L-S@P/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Y
M-"PR,#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y0;W-I=&EO;G,@8V]N<VED97)E9"!T96UP;W)A<FEL>2!I;7!A
M:7)E9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^52Y3
M+B!!9V5N8WD@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^/'-T<F]N9SY);G9E<W1M96YT(%M,:6YE($ET96US73PO<W1R
M;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y796EG
M:'1E9"!A=F5R86=E(&5X<&5C=&5D(&UA='5R:71Y(&9O<B!A=F%I;&%B;&4@
M9F]R('-A;&4@<V5C=7)I=&EE<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)S,@>65A<G,@,3`@;6]N=&AS(#(@9&%Y<SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y5+E,N($%G96YC
M>2!M;W)T9V%G92UB86-K960@<V5C=7)I=&EE<R!;365M8F5R73PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/DEN=F5S=&UE
M;G0@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E=E:6=H=&5D(&%V97)A9V4@97AP96-T960@;6%T
M=7)I='D@9F]R(&%V86EL86)L92!F;W(@<V%L92!S96-U<FET:65S/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG-2!Y96%R<R`R-B!D87ES/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/E=E:6=H=&5D(&%V97)A9V4@97AP96-T960@;6%T=7)I='D@9F]R(&AE;&0@
M=&\@;6%T=7)I='D@<V5C=7)I=&EE<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)S8@>65A<G,@."!M;VYT:',@,C,@9&%Y<SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;W)P;W)A
M=&4@8F]N9',@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^/'-T<F]N9SY);G9E<W1M96YT(%M,:6YE($ET96US73PO<W1R
M;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y796EG
M:'1E9"!A=F5R86=E(&5X<&5C=&5D(&UA='5R:71Y(&9O<B!A=F%I;&%B;&4@
M9F]R('-A;&4@<V5C=7)I=&EE<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)S0@>65A<G,@."!M;VYT:',@,C,@9&%Y<SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;W)P;W)A=&4@
M8F]N9',@86YD(&]T:&5R('-E8W5R:71I97,@6TUE;6)E<ET\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY);G9E<W1M96YT
M(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y796EG:'1E9"!A=F5R86=E(&5X<&5C=&5D(&UA='5R
M:71Y(&9O<B!H96QD('1O(&UA='5R:71Y('-E8W5R:71I97,\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<U('EE87)S(#D@;6]N=&AS(#(V(&1A
M>7,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^4W1A;F1A<F0@)F%M<#L@4&]O<B=S+"!!04$@4F%T:6YG(%M-96UB
M97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O
M;F<^26YV97-T;65N="!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4&]R=&9O;&EO(')A=&5D/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XX.2XP,"4\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XY,BXR,"4\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y3
M=&%N9&%R9"`F86UP.R!0;V]R)W,L($$@4F%T:6YG(%M-96UB97)=/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^26YV97-T
M;65N="!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^4&]R=&9O;&EO(')A=&5D/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ+C,P)3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M
M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P
M.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO
M.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E
M=',O4VAE970V-2YH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q
M=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA
M<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\3454
M02!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H
M=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S
M8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M
M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE
M(&-L87-S/3-$<F5P;W)T(&ED/3-$240P14]3044^#0H@("`@("`\='(^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0Q
M/CQS=')O;F<^3$]!3E,@*%-U;6UA<GD@;V8@3&]A;B!0;W)T9F]L:6\I("A$
M971A:6QS*2`H55-$("0I/&)R/DEN(%1H;W5S86YD<RP@=6YL97-S(&]T:&5R
M=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA
M<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1H/D1E8RX@,S$L(#(P,3(\8G(^/"]T:#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^06-C;W5N=',L($YO=&5S+"!,;V%N
M<R!A;F0@1FEN86YC:6YG(%)E8V5I=F%B;&4@6TQI;F4@271E;7-=/"]S=')O
M;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3&]A;G,L
M(&YE="!O9B!U;F5A<FYE9"!I;F-O;64\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/B0@-S@S+#,T-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@-S(Q+#$V-3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V]M;65R8VEA;"!;365M
M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O
M;F<^06-C;W5N=',L($YO=&5S+"!,;V%N<R!A;F0@1FEN86YC:6YG(%)E8V5I
M=F%B;&4@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^3&]A;G,L(&YE="!O9B!U;F5A<FYE9"!I;F-O
M;64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$R,"PQ,#(\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,#(L
M.#(R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y#;VUM97)C:6%L(&QO86YS('-E8W5R960@8GD@<F5A;"!E<W1A=&4@
M6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\
M<W1R;VYG/D%C8V]U;G1S+"!.;W1E<RP@3&]A;G,@86YD($9I;F%N8VEN9R!2
M96-E:79A8FQE(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/DQO86YS+"!N970@;V8@=6YE87)N960@
M:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT,3$L-CDQ
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,S@S+#,S.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^4F5A;"!E<W1A=&4M;6]R=&=A9V4@6TUE;6)E<ET\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D%C8V]U;G1S
M+"!.;W1E<RP@3&]A;G,@86YD($9I;F%N8VEN9R!296-E:79A8FQE(%M,:6YE
M($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/DQO86YS+"!N970@;V8@=6YE87)N960@:6YC;VUE/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,S4L-C@Y/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C$W+#4X-#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V]N<W5M
M97(@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#X\<W1R;VYG/D%C8V]U;G1S+"!.;W1E<RP@3&]A;G,@86YD($9I;F%N8VEN
M9R!296-E:79A8FQE(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DQO86YS+"!N970@;V8@=6YE87)N
M960@:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$U
M+#@V-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/B0@,3<L-#(P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].
M97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-
M"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T
M.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970V-BYH=&UL
M#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE
M#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB
M#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$
M0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T
M9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO
M=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T
M/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T
M(&ED/3-$240P151$04,^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0Q/CQS=')O;F<^3$]!3E,@
M*$YA<F%T:79E*2`H1&5T86EL<RD@*%531"`D*3QB<CY);B!4:&]U<V%N9',L
M('5N;&5S<R!O=&AE<G=I<V4@<W!E8VEF:65D/"]S=')O;F<^/"]T:#X-"B`@
M("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$R/&)R/CPO=&@^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/DQ/04Y3(%M!
M8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y,;V%N(&)A;&%N8V5S(&YE="!O9B!U;F5A<FYE9"!I;F-O;64\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-3@Q/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`V,S<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E)E
M86P@97-T871E+6-O;G-T<G5C=&EO;B!L;V%N<RP@<&5R8V5N=&%G93PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RXP,"4\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+C`P)3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4F5L871E
M9"!P87)T>2!L;V%N<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M)"`X-3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XD(#$L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].
M97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-
M"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T
M.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970V-RYH=&UL
M#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE
M#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB
M#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$
M0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T
M9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO
M=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T
M/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T
M(&ED/3-$240P14E$0TL^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^04Q,3U=!
M3D-%($9/4B!,3T%.($Q/4U-%4R`H4F]L;&9O<G=A<F0@;V8@=&AE($%L;&]W
M86YC92!F;W(@3&]A;B!,;W-S97,@8GD@4&]R=&9O;&EO(%-E9VUE;G0I("A$
M971A:6QS*2`H55-$("0I/&)R/DEN(%1H;W5S86YD<RP@=6YL97-S(&]T:&5R
M=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA
M<W,],T1T:"!C;VQS<&%N/3-$.#XS($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0S/C$R($UO;G1H<R!%;F1E
M9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@
M8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,3,\8G(^/"]T:#X-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&@^2G5N+B`S,"P@,C`Q,SQB<CX\+W1H/@T*("`@("`@
M("`\=&@@8VQA<W,],T1T:#Y-87(N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3(\8G(^/"]T:#X-"B`@
M("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q,CQB<CX\+W1H/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:#Y*=6XN(#,P+"`R,#$R/&)R/CPO=&@^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/DUA<BX@,S$L(#(P,3(\8G(^/"]T
M:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\
M+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$R/&)R
M/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3$\
M8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^
M06-C;W5N=',L($YO=&5S+"!,;V%N<R!A;F0@1FEN86YC:6YG(%)E8V5I=F%B
M;&4@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0F%L86YC92!A="!B96=I;FYI;F<@
M;V8@<&5R:6]D/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD
M(#$R+#4W,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/B0@,30L-C(S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^)"`Q,BPU-S$\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$T+#8R,SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,3DL-S8U/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#
M:&%R9V4M;V9F<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B@R+#$R,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@Q+#<V,2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M/B@R+#DT,2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E)E8V]V97)I97,\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-S4S/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#@T/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PS-S0\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-R
M961I="!P<F]V:7-I;VX@9F]R(&QO86X@;&]S<V5S/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M/B@Q+#`P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,34P/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,C4P*3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4U
M,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^
M*#(P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B@U,#`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;3XH-C(U*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6T^*#$L,3`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6T^*#<W-2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M/B@S+#4W-2D\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D)A;&%N8V4@870@96YD
M(&]F('!E<FEO9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`L
M,3`T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,3(L-3<Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,3`L,3`T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,3(L-3<Q/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,30L-C(S/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;VUM97)C:6%L
M(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^/'-T<F]N9SY!8V-O=6YT<RP@3F]T97,L($QO86YS(&%N9"!&
M:6YA;F-I;F<@4F5C96EV86)L92!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y"86QA
M;F-E(&%T(&)E9VEN;FEN9R!O9B!P97)I;V0\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C(L-3DV/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPS-C4\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#4Y-CQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L,S8U/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPX-3$\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D-H87)G92UO9F9S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6T^*#4P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6T^*#,T-2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M/B@Y-3,I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y296-O=F5R:65S/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@P/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3,X/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.#,Q/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#<F5D:70@<')O
M=FES:6]N(&9O<B!L;V%N(&QO<W-E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XR,3@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XT,S@\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q+#,V-"D\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D)A;&%N8V4@870@96YD
M(&]F('!E<FEO9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPX
M-#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XR+#4Y-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C(L.#0T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,BPU.38\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#,V-3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V]M;65R8VEA;"!L;V%N
M<R!S96-U<F5D(&)Y(')E86P@97-T871E(%M-96UB97)=/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!8V-O
M=6YT<RP@3F]T97,L($QO86YS(&%N9"!&:6YA;F-I;F<@4F5C96EV86)L92!;
M3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y"86QA;F-E(&%T(&)E9VEN;FEN9R!O9B!P
M97)I;V0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<L-SDV
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^.2PT,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XW+#<Y-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/CDL-#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,3(L-S$W/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#:&%R9V4M;V9F<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q+#<W-RD\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@W.38I/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,2PW
M,#`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y296-O=F5R:65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C0X,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C(T-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C,S,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^0W)E9&ET('!R;W9I<VEO;B!F;W(@;&]A
M;B!L;W-S97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;3XH,2PV,34I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;3XH,2PP-3,I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;3XH,2PY-#@I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y"86QA;F-E(&%T(&5N9"!O9B!P97)I
M;V0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0L.#@U/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-RPW
M.38\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XT+#@X-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C<L-SDV/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^.2PT,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/E)E86P@97-T871E+6UO<G1G86=E(%M-
M96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^/'-T<F]N9SY!8V-O=6YT<RP@3F]T97,L($QO86YS(&%N9"!&:6YA
M;F-I;F<@4F5C96EV86)L92!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y"86QA;F-E
M(&%T(&)E9VEN;FEN9R!O9B!P97)I;V0\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C$L,C8Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,2PR-S`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#(V.3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,C<P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PQ,3<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-H
M87)G92UO9F9S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6T^*#$S.2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M/B@T,C`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;3XH.#4I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y296-O=F5R:65S/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$R,CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4T/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-3,\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-R961I="!P<F]V:7-I
M;VX@9F]R(&QO86X@;&]S<V5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XS-C4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ.#4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/D)A;&%N8V4@870@96YD(&]F('!E<FEO
M9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PR-C`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#(V
M.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$L,C8P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,2PR-CD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ+#(W,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^0V]N<W5M97(@6TUE;6)E<ET\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG
M/D%C8V]U;G1S+"!.;W1E<RP@3&]A;G,@86YD($9I;F%N8VEN9R!296-E:79A
M8FQE(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D)A;&%N8V4@870@8F5G:6YN:6YG
M(&]F('!E<FEO9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,34P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,3<T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,34P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,3<T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,C`V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y#:&%R9V4M;V9F<SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q-30I/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,C`P*3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#(P,RD\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E)E8V]V
M97)I97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-S`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XT-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$U.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^0W)E9&ET('!R;W9I<VEO;B!F;W(@;&]A;B!L;W-S97,\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-S`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,CD\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,CQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M0F%L86YC92!A="!E;F0@;V8@<&5R:6]D/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ,S8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ-3`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,S8\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-3`\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-S0\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%L;&]C871I;VX@
M9F]R(&=E;F5R86P@<FES:R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^06-C;W5N=',L($YO
M=&5S+"!,;V%N<R!A;F0@1FEN86YC:6YG(%)E8V5I=F%B;&4@6TQI;F4@271E
M;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^0F%L86YC92!A="!B96=I;FYI;F<@;V8@<&5R:6]D/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW-C`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#0Q-#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<V
M,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$L-#$T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,2PX-S0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D-H87)G92UO9F9S/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^4F5C;W9E<FEE<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P
M.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/D-R961I="!P<F]V:7-I;VX@9F]R(&QO86X@;&]S
M<V5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(Q
M.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^
M*#8U-"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B@T-C`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y"86QA;F-E(&%T(&5N9"!O9B!P97)I;V0\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/B0@.3<Y/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`W-C`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#DW.3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@
M-S8P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^)"`Q+#0Q-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X
M=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#
M;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW
M.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T-C@N:'1M;`T*
M0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*
M0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*
M#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O
M;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M
M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N
M:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\
M+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I
M9#TS1$E$,$4T1$))/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,3X\<W1R;VYG/D%,3$]704Y#
M12!&3U(@3$]!3B!,3U-315,@*%-U;6UA<GD@;V8@4')I;6%R>2!396=M96YT
M<R!O9B!,;V%N(%!O<G1F;VQI;RD@*$1E=&%I;',I("A54T0@)"D\8G(^26X@
M5&AO=7-A;F1S+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG
M/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\
M8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q
M,CQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R
M,#$Q/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L
M(#(P,3`\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS
M=')O;F<^06-C;W5N=',L($YO=&5S+"!,;V%N<R!A;F0@1FEN86YC:6YG(%)E
M8V5I=F%B;&4@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);F1I=FED=6%L;'D@979A;'5A=&5D
M(&9O<B!I;7!A:7)M96YT/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XD(#,L,#8V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^)"`T+#@P-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y#;VQL96-T:79E;'D@979A;'5A=&5D(&9O
M<B!I;7!A:7)M96YT/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW
M.#`L,C@P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^-S$V+#,U.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F]U/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^5&]T86P@3&]A;G,\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C<X,RPS-#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XW,C$L,38U/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-P96-I9FEC(')E
M<V5R=F4@86QL;V-A=&EO;CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^.#$S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,2PU.#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^1V5N97)A;"!R97-E<G9E(&%L;&]C871I;VX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/CDL,CDQ/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`L.3@U/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R974^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4
M;W1A;"!A;&QO=V%N8V4@9F]R(&QO86X@;&]S<V5S/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ,"PQ,#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,BPU-S$\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-"PV,C,\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ.2PW-C4\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-O
M;6UE<F-I86P@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/CQS=')O;F<^06-C;W5N=',L($YO=&5S+"!,;V%N<R!A;F0@
M1FEN86YC:6YG(%)E8V5I=F%B;&4@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);F1I=FED=6%L
M;'D@979A;'5A=&5D(&9O<B!I;7!A:7)M96YT/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#
M;VQL96-T:79E;'D@979A;'5A=&5D(&9O<B!I;7!A:7)M96YT/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,C`L,3`R/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`R+#@R,CQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T
M86P@3&]A;G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$R,"PQ
M,#(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XQ,#(L.#(R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/E-P96-I9FEC(')E<V5R=F4@86QL;V-A=&EO;CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S
M<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^1V5N97)A;"!R97-E<G9E(&%L;&]C871I;VX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L.#0T/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPU.38\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L
M(&%L;&]W86YC92!F;W(@;&]A;B!L;W-S97,\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C(L.#0T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,BPU.38\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#,V-3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,L.#4Q/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;VUM97)C:6%L
M(&QO86YS('-E8W5R960@8GD@<F5A;"!E<W1A=&4@6TUE;6)E<ET\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^06-C;W5N
M=',L($YO=&5S+"!,;V%N<R!A;F0@1FEN86YC:6YG(%)E8V5I=F%B;&4@6TQI
M;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y);F1I=FED=6%L;'D@979A;'5A=&5D(&9O<B!I;7!A:7)M
M96YT/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS+#`P-3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0L-SDS
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D-O;&QE8W1I=F5L>2!E=F%L=6%T960@9F]R(&EM<&%I<FUE;G0\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0P."PV.#8\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS-S@L-30V/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;W4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y4;W1A;"!,;V%N<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-#$Q+#8Y,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C,X,RPS,SD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^4W!E8VEF:6,@<F5S97)V92!A;&QO8V%T:6]N
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XX,3(\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#4X-CQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y'
M96YE<F%L(')E<V5R=F4@86QL;V-A=&EO;CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^-"PP-S,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XV+#(Q,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F5U/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@86QL;W=A;F-E(&9O
M<B!L;V%N(&QO<W-E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-"PX.#4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XW+#<Y-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/CDL-#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,3(L-S$W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y296%L(&5S=&%T92UM;W)T9V%G92!;
M365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M/'-T<F]N9SY!8V-O=6YT<RP@3F]T97,L($QO86YS(&%N9"!&:6YA;F-I;F<@
M4F5C96EV86)L92!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN9&EV:61U86QL>2!E=F%L=6%T
M960@9F]R(&EM<&%I<FUE;G0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-O;&QE8W1I=F5L
M>2!E=F%L=6%T960@9F]R(&EM<&%I<FUE;G0\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C(S-2PV.#D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XR,3<L-3@T/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;W4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!,;V%N<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C,U+#8X.3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(Q-RPU.#0\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^4W!E8VEF:6,@<F5S97)V92!A;&QO8V%T:6]N/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y'96YE<F%L(')E<V5R=F4@86QL;V-A=&EO;CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,2PR-C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ+#(V.3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F5U/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@86QL;W=A;F-E
M(&9O<B!L;V%N(&QO<W-E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,2PR-C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ+#(V.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C$L,C<P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,2PQ,3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-O;G-U;65R(%M-96UB97)=/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D%C
M8V]U;G1S+"!.;W1E<RP@3&]A;G,@86YD($9I;F%N8VEN9R!296-E:79A8FQE
M(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^26YD:79I9'5A;&QY(&5V86QU871E9"!F;W(@:6UP
M86ER;65N=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C$\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y#;VQL96-T:79E;'D@979A;'5A=&5D(&9O<B!I;7!A:7)M96YT/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-2PX,#,\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-RPT,#<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O
M=&%L($QO86YS/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-2PX
M-C0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XQ-RPT,C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^4W!E8VEF:6,@<F5S97)V92!A;&QO8V%T:6]N/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y'
M96YE<F%L(')E<V5R=F4@86QL;V-A=&EO;CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,3,U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,34P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!A;&QO=V%N8V4@9F]R(&QO
M86X@;&]S<V5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,S8\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ
M-3`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XQ-S0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XR,#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D%L;&]C871I;VX@9F]R(&=E;F5R86P@<FES:R!;365M8F5R
M73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N
M9SY!8V-O=6YT<RP@3F]T97,L($QO86YS(&%N9"!&:6YA;F-I;F<@4F5C96EV
M86)L92!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/E-P96-I9FEC(')E<V5R=F4@86QL;V-A=&EO
M;CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P
M.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^1V5N97)A;"!R97-E<G9E(&%L;&]C871I;VX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/CDW.3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<V,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T
M86P@86QL;W=A;F-E(&9O<B!L;V%N(&QO<W-E<SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^)"`Y-SD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XD(#<V,#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,2PT,30\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$L.#<T/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO
M8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T
M-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ
M(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y
M,39C+U=O<FMS:&5E=',O4VAE970V.2YH=&UL#0I#;VYT96YT+51R86YS9F5R
M+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E
M>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A
M9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E
M;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4]
M,T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M
M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^
M#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P15!%0D<^#0H@
M("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q
M(')O=W-P86X],T0Q/CQS=')O;F<^04Q,3U=!3D-%($9/4B!,3T%.($Q/4U-%
M4R`H4V-H961U;&4@;V8@26UP86ER960@3&]A;G,@8GD@0VQA<W,I("A$971A
M:6QS*2`H55-$("0I/&)R/DEN(%1H;W5S86YD<RP@=6YL97-S(&]T:&5R=VES
M92!S<&5C:69I960\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1H/D1E8RX@,S$L(#(P,3(\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/CQS=')O;F<^06-C;W5N=',L($YO=&5S+"!,;V%N<R!A
M;F0@1FEN86YC:6YG(%)E8V5I=F%B;&4@6TQI;F4@271E;7-=/"]S=')O;F<^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4F5C;W)D960@
M26YV97-T;65N=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`S
M+#`V-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/B0@-"PX,#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/E)E;&%T960@06QL;W=A;F-E/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XX,3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ+#8P,#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^56YP86ED(%!R:6YC:7!A;"!"
M86QA;F-E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS+#$W.3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0L
M.#8S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y#;VUM97)C:6%L(&QO86YS('-E8W5R960@8GD@<F5A;"!E<W1A=&4@
M6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\
M<W1R;VYG/D%C8V]U;G1S+"!.;W1E<RP@3&]A;G,@86YD($9I;F%N8VEN9R!2
M96-E:79A8FQE(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/E)E8V]R9&5D($EN=F5S=&UE;G0\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,L,#`U/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-"PW.3,\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E5N<&%I
M9"!0<FEN8VEP86P@0F%L86YC93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,RPQ,3@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XT+#@U,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^0V]N<W5M97(@6TUE;6)E<ET\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D%C8V]U;G1S+"!.
M;W1E<RP@3&]A;G,@86YD($9I;F%N8VEN9R!296-E:79A8FQE(%M,:6YE($ET
M96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E)E8V]R9&5D($EN=F5S=&UE;G0\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C8Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E5N<&%I9"!0<FEN8VEP86P@0F%L86YC93PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C$\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26UP86ER960@3&]A
M;G,@=VET:"!3<&5C:69I8R!!;&QO=V%N8V4@6TUE;6)E<ET\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D%C8V]U;G1S+"!.
M;W1E<RP@3&]A;G,@86YD($9I;F%N8VEN9R!296-E:79A8FQE(%M,:6YE($ET
M96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E)E8V]R9&5D($EN=F5S=&UE;G0\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C,L,#8V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-"PR,SD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/E)E;&%T960@06QL;W=A;F-E/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XX,3,\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#4X-CQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26UP86ER960@
M3&]A;G,@=VET:"!3<&5C:69I8R!!;&QO=V%N8V4@6TUE;6)E<ET@?"!#;VUM
M97)C:6%L(&QO86YS('-E8W5R960@8GD@<F5A;"!E<W1A=&4@6TUE;6)E<ET\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D%C
M8V]U;G1S+"!.;W1E<RP@3&]A;G,@86YD($9I;F%N8VEN9R!296-E:79A8FQE
M(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/E)E8V]R9&5D($EN=F5S=&UE;G0\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C,L,#`U/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-"PR,SD\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E)E;&%T960@06QL;W=A
M;F-E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XX,3(\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#4X-CQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M26UP86ER960@3&]A;G,@=VET:"!3<&5C:69I8R!!;&QO=V%N8V4@6TUE;6)E
M<ET@?"!#;VYS=6UE<B!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/CQS=')O;F<^06-C;W5N=',L($YO=&5S+"!,;V%N<R!A
M;F0@1FEN86YC:6YG(%)E8V5I=F%B;&4@6TQI;F4@271E;7-=/"]S=')O;F<^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4F5C;W)D960@
M26YV97-T;65N=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C$\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y296QA=&5D($%L;&]W86YC93PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEM<&%I<F5D($QO
M86YS('=I=&@@3F\@4W!E8VEF:6,@06QL;W=A;F-E(%M-96UB97)=/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!8V-O=6YT
M<RP@3F]T97,L($QO86YS(&%N9"!&:6YA;F-I;F<@4F5C96EV86)L92!;3&EN
M92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y296-O<F1E9"!);G9E<W1M96YT/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-38W/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);7!A:7)E9"!,;V%N
M<R!W:71H($YO(%-P96-I9FEC($%L;&]W86YC92!;365M8F5R72!\($-O;6UE
M<F-I86P@;&]A;G,@<V5C=7)E9"!B>2!R96%L(&5S=&%T92!;365M8F5R73PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^06-C
M;W5N=',L($YO=&5S+"!,;V%N<R!A;F0@1FEN86YC:6YG(%)E8V5I=F%B;&4@
M6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^4F5C;W)D960@26YV97-T;65N=#PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4U-#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26UP86ER960@
M3&]A;G,@=VET:"!.;R!3<&5C:69I8R!!;&QO=V%N8V4@6TUE;6)E<ET@?"!#
M;VYS=6UE<B!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/CQS=')O;F<^06-C;W5N=',L($YO=&5S+"!,;V%N<R!A;F0@1FEN
M86YC:6YG(%)E8V5I=F%B;&4@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4F5C;W)D960@26YV97-T
M;65N=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N
M8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/B0@,3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'10
M87)T7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N
M=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?
M.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E=#<P+FAT;6P-"D-O
M;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O
M;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*
M/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT
M96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G
M/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS
M/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H
M96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60]
M,T1)1#!%3T=!1SX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY!3$Q/5T%.0T4@
M1D]2($Q/04X@3$]34T53("A!=F5R86=E(%)E8V]R9&5D($EN=F5S=&UE;G0@
M:6X@26UP86ER960@3&]A;G,@86YD(%)E;&%T960@26YT97)E<W0@26YC;VUE
M(%)E8V]G;FEZ960I("A$971A:6QS*2`H55-$("0I/&)R/DEN(%1H;W5S86YD
M<RP@=6YL97-S(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,SXQ,B!-;VYT:',@
M16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@
M("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$R/&)R/CPO=&@^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3$\8G(^/"]T:#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^079E<F%G92!R96-O
M<F1E9"!I;G9E<W1M96YT(&EN(&EM<&%I<F5D(&QO86YS(&%N9"!R96QA=&5D
M(&EN=&5R97-T(&EN8V]M92!R96-O9VYI>F5D/"]S=')O;F<^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V97)A9V4@:6YV97-T;65N
M="!I;B!I;7!A:7)E9"!L;V%N<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`R+#4P.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@,RPW-S`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XD(#0L.3@R/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/DEN=&5R97-T
M(&EN8V]M92!R96-O9VYI>F5D.CPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y);G1E<F5S="!I;F-O;64@<F5C;V=N:7IE
M9"!O;B!A(&-A<V@@8F%S:7,@;VX@:6UP86ER960@;&]A;G,\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$T/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$V-SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V]M;65R8VEA;"!;365M
M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R
M;VYG/D%V97)A9V4@<F5C;W)D960@:6YV97-T;65N="!I;B!I;7!A:7)E9"!L
M;V%N<R!A;F0@<F5L871E9"!I;G1E<F5S="!I;F-O;64@<F5C;V=N:7IE9#PO
M<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!
M=F5R86=E(&EN=F5S=&UE;G0@:6X@:6UP86ER960@;&]A;G,\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$S/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3,\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU,#,\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^26YT97)E
M<W0@:6YC;VUE(')E8V]G;FEZ960Z/"]S=')O;F<^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=&5R97-T(&EN8V]M92!R96-O9VYI
M>F5D(&]N(&$@8V%S:"!B87-I<R!O;B!I;7!A:7)E9"!L;V%N<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF
M;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^0V]M;65R8VEA;"!L;V%N<R!S96-U<F5D(&)Y(')E86P@97-T
M871E(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/CQS=')O;F<^079E<F%G92!R96-O<F1E9"!I;G9E<W1M96YT(&EN(&EM
M<&%I<F5D(&QO86YS(&%N9"!R96QA=&5D(&EN=&5R97-T(&EN8V]M92!R96-O
M9VYI>F5D/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D%V97)A9V4@:6YV97-T;65N="!I;B!I;7!A:7)E9"!L;V%N<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPT-3D\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS+#<U-#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0L-#<Y
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#X\<W1R;VYG/DEN=&5R97-T(&EN8V]M92!R96-O9VYI>F5D.CPO<W1R;VYG
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G1E<F5S
M="!I;F-O;64@<F5C;V=N:7IE9"!O;B!A(&-A<V@@8F%S:7,@;VX@:6UP86ER
M960@;&]A;G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$Q/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$U
M,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^0V]N<W5M97(@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^/'-T<F]N9SY!=F5R86=E(')E8V]R9&5D(&EN=F5S=&UE
M;G0@:6X@:6UP86ER960@;&]A;G,@86YD(')E;&%T960@:6YT97)E<W0@:6YC
M;VUE(')E8V]G;FEZ960\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^079E<F%G92!I;G9E<W1M96YT(&EN(&EM<&%I<F5D
M(&QO86YS/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS-SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB
M<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#X\<W1R;VYG/DEN=&5R97-T(&EN8V]M92!R96-O9VYI>F5D
M.CPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y);G1E<F5S="!I;F-O;64@<F5C;V=N:7IE9"!O;B!A(&-A<V@@8F%S:7,@
M;VX@:6UP86ER960@;&]A;G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/B0@,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-
M"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y
M-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z
M+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O
M<FMS:&5E=',O4VAE970W,2YH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D
M:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M
M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@
M("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G
M=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT
M+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H
M:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@
M/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P131,04D^#0H@("`@("`\
M='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P
M86X],T0Q/CQS=')O;F<^04Q,3U=!3D-%($9/4B!,3T%.($Q/4U-%4R`H3&]A
M;B!0;W)T9F]L:6\@4W5M;6%R:7IE9"!B>2!#871E9V]R:65S*2`H1&5T86EL
M<RD@*%531"`D*3QB<CY);B!4:&]U<V%N9',L('5N;&5S<R!O=&AE<G=I<V4@
M<W!E8VEF:65D/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T:#Y$96,N(#,Q+"`R,#$R/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#X\<W1R;VYG/DQO86X@<&]R=&9O;&EO('-U;6UA<FEZ960@
M8GD@=&AE(&%G9W)E9V%T92!087-S(&%N9"!T:&4@8W)I=&EC:7IE9"!C871E
M9V]R:65S(&]F(%-P96-I86P@365N=&EO;BP@4W5B<W1A;F1A<F0@86YD($1O
M=6)T9G5L('=I=&AI;B!T:&4@:6YT97)N86P@<FES:R!R871I;F<@<WES=&5M
M/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M3&]A;B!P;W)T9F]L:6\\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/B0@-3,Q+#<Y,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/B0@-#@V+#$V,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^0V]M;65R8VEA;"!;365M8F5R73PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^3&]A;B!P
M;W)T9F]L:6\@<W5M;6%R:7IE9"!B>2!T:&4@86=G<F5G871E(%!A<W,@86YD
M('1H92!C<FET:6-I>F5D(&-A=&5G;W)I97,@;V8@4W!E8VEA;"!-96YT:6]N
M+"!3=6)S=&%N9&%R9"!A;F0@1&]U8G1F=6P@=VET:&EN('1H92!I;G1E<FYA
M;"!R:7-K(')A=&EN9R!S>7-T96T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y,;V%N('!O<G1F;VQI;SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,3(P+#$P,CQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$P,BPX,C(\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-O;6UE<F-I
M86P@;&]A;G,@<V5C=7)E9"!B>2!R96%L(&5S=&%T92!;365M8F5R73PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^3&]A;B!P
M;W)T9F]L:6\@<W5M;6%R:7IE9"!B>2!T:&4@86=G<F5G871E(%!A<W,@86YD
M('1H92!C<FET:6-I>F5D(&-A=&5G;W)I97,@;V8@4W!E8VEA;"!-96YT:6]N
M+"!3=6)S=&%N9&%R9"!A;F0@1&]U8G1F=6P@=VET:&EN('1H92!I;G1E<FYA
M;"!R:7-K(')A=&EN9R!S>7-T96T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y,;V%N('!O<G1F;VQI;SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^-#$Q+#8Y,3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,X,RPS,SD\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!A<W,@6TUE
M;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R
M;VYG/DQO86X@<&]R=&9O;&EO('-U;6UA<FEZ960@8GD@=&AE(&%G9W)E9V%T
M92!087-S(&%N9"!T:&4@8W)I=&EC:7IE9"!C871E9V]R:65S(&]F(%-P96-I
M86P@365N=&EO;BP@4W5B<W1A;F1A<F0@86YD($1O=6)T9G5L('=I=&AI;B!T
M:&4@:6YT97)N86P@<FES:R!R871I;F<@<WES=&5M/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3&]A;B!P;W)T9F]L:6\\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4P-2PT,3$\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT-#,L-S<Q
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y087-S(%M-96UB97)=('P@0V]M;65R8VEA;"!;365M8F5R73PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^3&]A;B!P;W)T
M9F]L:6\@<W5M;6%R:7IE9"!B>2!T:&4@86=G<F5G871E(%!A<W,@86YD('1H
M92!C<FET:6-I>F5D(&-A=&5G;W)I97,@;V8@4W!E8VEA;"!-96YT:6]N+"!3
M=6)S=&%N9&%R9"!A;F0@1&]U8G1F=6P@=VET:&EN('1H92!I;G1E<FYA;"!R
M:7-K(')A=&EN9R!S>7-T96T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y,;V%N('!O<G1F;VQI;SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,3`X+#8R,SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/CDY+#@X-CQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4&%S<R!;365M8F5R
M72!\($-O;6UE<F-I86P@;&]A;G,@<V5C=7)E9"!B>2!R96%L(&5S=&%T92!;
M365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS
M=')O;F<^3&]A;B!P;W)T9F]L:6\@<W5M;6%R:7IE9"!B>2!T:&4@86=G<F5G
M871E(%!A<W,@86YD('1H92!C<FET:6-I>F5D(&-A=&5G;W)I97,@;V8@4W!E
M8VEA;"!-96YT:6]N+"!3=6)S=&%N9&%R9"!A;F0@1&]U8G1F=6P@=VET:&EN
M('1H92!I;G1E<FYA;"!R:7-K(')A=&EN9R!S>7-T96T\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y,;V%N('!O<G1F;VQI
M;SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,SDV+#<X.#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,T,RPX
M.#4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E-P96-I86P@365N=&EO;B!;365M8F5R73PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^3&]A;B!P;W)T9F]L:6\@<W5M
M;6%R:7IE9"!B>2!T:&4@86=G<F5G871E(%!A<W,@86YD('1H92!C<FET:6-I
M>F5D(&-A=&5G;W)I97,@;V8@4W!E8VEA;"!-96YT:6]N+"!3=6)S=&%N9&%R
M9"!A;F0@1&]U8G1F=6P@=VET:&EN('1H92!I;G1E<FYA;"!R:7-K(')A=&EN
M9R!S>7-T96T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y,;V%N('!O<G1F;VQI;SPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,34L.#0Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,C`L.#8T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y3<&5C:6%L($UE;G1I;VX@6TUE;6)E
M<ET@?"!#;VUM97)C:6%L(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^/'-T<F]N9SY,;V%N('!O<G1F;VQI;R!S=6UM87)I
M>F5D(&)Y('1H92!A9V=R96=A=&4@4&%S<R!A;F0@=&AE(&-R:71I8VEZ960@
M8V%T96=O<FEE<R!O9B!3<&5C:6%L($UE;G1I;VXL(%-U8G-T86YD87)D(&%N
M9"!$;W5B=&9U;"!W:71H:6X@=&AE(&EN=&5R;F%L(')I<VL@<F%T:6YG('-Y
M<W1E;3PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/DQO86X@<&]R=&9O;&EO/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XX+#@X,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C(X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y3<&5C:6%L($UE;G1I;VX@6TUE;6)E<ET@?"!#;VUM
M97)C:6%L(&QO86YS('-E8W5R960@8GD@<F5A;"!E<W1A=&4@6TUE;6)E<ET\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/DQO
M86X@<&]R=&9O;&EO('-U;6UA<FEZ960@8GD@=&AE(&%G9W)E9V%T92!087-S
M(&%N9"!T:&4@8W)I=&EC:7IE9"!C871E9V]R:65S(&]F(%-P96-I86P@365N
M=&EO;BP@4W5B<W1A;F1A<F0@86YD($1O=6)T9G5L('=I=&AI;B!T:&4@:6YT
M97)N86P@<FES:R!R871I;F<@<WES=&5M/"]S=')O;F<^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3&]A;B!P;W)T9F]L:6\\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8L.38Q/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C`L.#,V/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y3=6)S=&%N
M9&%R9"!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/CQS=')O;F<^3&]A;B!P;W)T9F]L:6\@<W5M;6%R:7IE9"!B>2!T:&4@
M86=G<F5G871E(%!A<W,@86YD('1H92!C<FET:6-I>F5D(&-A=&5G;W)I97,@
M;V8@4W!E8VEA;"!-96YT:6]N+"!3=6)S=&%N9&%R9"!A;F0@1&]U8G1F=6P@
M=VET:&EN('1H92!I;G1E<FYA;"!R:7-K(')A=&EN9R!S>7-T96T\+W-T<F]N
M9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y,;V%N('!O
M<G1F;VQI;SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`L,#@Q
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,3DL.3$X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y3=6)S=&%N9&%R9"!;365M8F5R72!\($-O;6UE<F-I86P@6TUE
M;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R
M;VYG/DQO86X@<&]R=&9O;&EO('-U;6UA<FEZ960@8GD@=&AE(&%G9W)E9V%T
M92!087-S(&%N9"!T:&4@8W)I=&EC:7IE9"!C871E9V]R:65S(&]F(%-P96-I
M86P@365N=&EO;BP@4W5B<W1A;F1A<F0@86YD($1O=6)T9G5L('=I=&AI;B!T
M:&4@:6YT97)N86P@<FES:R!R871I;F<@<WES=&5M/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3&]A;B!P;W)T9F]L:6\\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L-3DY/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPY,#@\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-U
M8G-T86YD87)D(%M-96UB97)=('P@0V]M;65R8VEA;"!L;V%N<R!S96-U<F5D
M(&)Y(')E86P@97-T871E(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^/'-T<F]N9SY,;V%N('!O<G1F;VQI;R!S=6UM87)I
M>F5D(&)Y('1H92!A9V=R96=A=&4@4&%S<R!A;F0@=&AE(&-R:71I8VEZ960@
M8V%T96=O<FEE<R!O9B!3<&5C:6%L($UE;G1I;VXL(%-U8G-T86YD87)D(&%N
M9"!$;W5B=&9U;"!W:71H:6X@=&AE(&EN=&5R;F%L(')I<VL@<F%T:6YG('-Y
M<W1E;3PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/DQO86X@<&]R=&9O;&EO/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XW+#0X,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$W+#`Q,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^1&]U8G1F=6P@6TUE;6)E<ET\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/DQO86X@<&]R=&9O
M;&EO('-U;6UA<FEZ960@8GD@=&AE(&%G9W)E9V%T92!087-S(&%N9"!T:&4@
M8W)I=&EC:7IE9"!C871E9V]R:65S(&]F(%-P96-I86P@365N=&EO;BP@4W5B
M<W1A;F1A<F0@86YD($1O=6)T9G5L('=I=&AI;B!T:&4@:6YT97)N86P@<FES
M:R!R871I;F<@<WES=&5M/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^3&]A;B!P;W)T9F]L:6\\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C0V,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$L-C`X/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$;W5B=&9U;"!;365M8F5R72!\
M($-O;6UE<F-I86P@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#X\<W1R;VYG/DQO86X@<&]R=&9O;&EO('-U;6UA<FEZ960@
M8GD@=&AE(&%G9W)E9V%T92!087-S(&%N9"!T:&4@8W)I=&EC:7IE9"!C871E
M9V]R:65S(&]F(%-P96-I86P@365N=&EO;BP@4W5B<W1A;F1A<F0@86YD($1O
M=6)T9G5L('=I=&AI;B!T:&4@:6YT97)N86P@<FES:R!R871I;F<@<WES=&5M
M/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M3&]A;B!P;W)T9F]L:6\\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$;W5B=&9U;"!;365M8F5R
M72!\($-O;6UE<F-I86P@;&]A;G,@<V5C=7)E9"!B>2!R96%L(&5S=&%T92!;
M365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS
M=')O;F<^3&]A;B!P;W)T9F]L:6\@<W5M;6%R:7IE9"!B>2!T:&4@86=G<F5G
M871E(%!A<W,@86YD('1H92!C<FET:6-I>F5D(&-A=&5G;W)I97,@;V8@4W!E
M8VEA;"!-96YT:6]N+"!3=6)S=&%N9&%R9"!A;F0@1&]U8G1F=6P@=VET:&EN
M('1H92!I;G1E<FYA;"!R:7-K(')A=&EN9R!S>7-T96T\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y,;V%N('!O<G1F;VQI
M;SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`T-C`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$L-C`X
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^
M#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R
M8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C
M871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S
M,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970W,BYH=&UL#0I#;VYT96YT+51R
M86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y
M<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*
M("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E
M(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T
M('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.
M;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@
M/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P13%"
M04<^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P
M86X],T0Q(')O=W-P86X],T0Q/CQS=')O;F<^04Q,3U=!3D-%($9/4B!,3T%.
M($Q/4U-%4R`H4&5R9F]R;6EN9R!A;F0@3F]N+7!E<F9O<FUI;F<@3W5T<W1A
M;F1I;F<@0F%L86YC97,I("A$971A:6QS*2`H55-$("0I/&)R/DEN(%1H;W5S
M86YD<RP@=6YL97-S(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H
M/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO
M=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3(\8G(^
M/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!E<F9O<FUI;F<@
M6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\
M<W1R;VYG/E!E<F9O<FUI;F<@86YD(&YO;BUP97)F;W)M:6YG(&]U='-T86YD
M:6YG(&)A;&%N8V5S(&]F('1H92!R97-I9&5N=&EA;"!A;F0@8V]N<W5M97(@
M<&]R=&9O;&EO<SPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D]U='-T86YD:6YG(&)A;&%N8V4@;V8@8V]N<W5M97(@;&]A
M;CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R-3`L,C4S/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R
M,S,L.#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y097)F;W)M:6YG(%M-96UB97)=('P@4F5A;"!E<W1A=&4M;6]R
M=&=A9V4@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/E!E<F9O<FUI;F<@86YD(&YO;BUP97)F;W)M:6YG(&]U
M='-T86YD:6YG(&)A;&%N8V5S(&]F('1H92!R97-I9&5N=&EA;"!A;F0@8V]N
M<W5M97(@<&]R=&9O;&EO<SPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/D]U='-T86YD:6YG(&)A;&%N8V4@;V8@8V]N<W5M
M97(@;&]A;CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C,T+#0U
M,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C(Q-BPS.3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E!E<F9O<FUI;F<@6TUE;6)E<ET@?"!#;VYS=6UE<B!;365M
M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O
M;F<^4&5R9F]R;6EN9R!A;F0@;F]N+7!E<F9O<FUI;F<@;W5T<W1A;F1I;F<@
M8F%L86YC97,@;V8@=&AE(')E<VED96YT:6%L(&%N9"!C;VYS=6UE<B!P;W)T
M9F]L:6]S/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^3W5T<W1A;F1I;F<@8F%L86YC92!O9B!C;VYS=6UE<B!L;V%N/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-2PX,#,\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-RPT,#<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYO
M;BU097)F;W)M:6YG(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^/'-T<F]N9SY097)F;W)M:6YG(&%N9"!N;VXM<&5R9F]R
M;6EN9R!O=71S=&%N9&EN9R!B86QA;F-E<R!O9B!T:&4@<F5S:61E;G1I86P@
M86YD(&-O;G-U;65R('!O<G1F;VQI;W,\+W-T<F]N9SX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y/=71S=&%N9&EN9R!B86QA;F-E(&]F
M(&-O;G-U;65R(&QO86X\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$L,S`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,2PR,#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/DYO;BU097)F;W)M:6YG(%M-96UB97)=('P@4F5A;"!E
M<W1A=&4M;6]R=&=A9V4@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#X\<W1R;VYG/E!E<F9O<FUI;F<@86YD(&YO;BUP97)F
M;W)M:6YG(&]U='-T86YD:6YG(&)A;&%N8V5S(&]F('1H92!R97-I9&5N=&EA
M;"!A;F0@8V]N<W5M97(@<&]R=&9O;&EO<SPO<W1R;VYG/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]U='-T86YD:6YG(&)A;&%N8V4@
M;V8@8V]N<W5M97(@;&]A;CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,2PR,SD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ+#$Y,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^3F]N+5!E<F9O<FUI;F<@6TUE;6)E<ET@?"!#;VYS
M=6UE<B!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/CQS=')O;F<^4&5R9F]R;6EN9R!A;F0@;F]N+7!E<F9O<FUI;F<@;W5T
M<W1A;F1I;F<@8F%L86YC97,@;V8@=&AE(')E<VED96YT:6%L(&%N9"!C;VYS
M=6UE<B!P;W)T9F]L:6]S/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^3W5T<W1A;F1I;F<@8F%L86YC92!O9B!C;VYS=6UE
M<B!L;V%N/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#8Q/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q
M,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE
M/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.#(S
M,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT96YT+4QO
M8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T
M,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T-S,N:'1M;`T*0V]N=&5N="U4
M<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4
M>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-
M"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP
M92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP
M="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@
M3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@
M(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$55
M0T)'/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS
M<&%N/3-$,2!R;W=S<&%N/3-$,3X\<W1R;VYG/D%,3$]704Y#12!&3U(@3$]!
M3B!,3U-315,@*$-L87-S97,@;V8@3&]A;B!0;W)T9F]L:6\@8GD@06=I;F<@
M0V%T96=O<FEE<RD@*$1E=&%I;',I("A54T0@)"D\8G(^26X@5&AO=7-A;F1S
M+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,CQB<CX\+W1H
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY#;&%S<V5S
M(&]F('1H92!L;V%N('!O<G1F;VQI;R!S=6UM87)I>F5D(&)Y('1H92!A9VEN
M9R!C871E9V]R:65S(&]F('!E<F9O<FUI;F<@;&]A;G,@86YD(&YO;F%C8W)U
M86P@;&]A;G,\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^5&]T86P@3&]A;G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/B0@-S@S+#,T-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/B0@-S(Q+#$V-3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V]M;65R8VEA;"!;365M8F5R
M73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^
M0VQA<W-E<R!O9B!T:&4@;&]A;B!P;W)T9F]L:6\@<W5M;6%R:7IE9"!B>2!T
M:&4@86=I;F<@8V%T96=O<FEE<R!O9B!P97)F;W)M:6YG(&QO86YS(&%N9"!N
M;VYA8V-R=6%L(&QO86YS/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^0W5R<F5N=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,3(P+#$P,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C$P,BPW-S4\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/C,P+34Y($1A>7,@4&%S="!$=64\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#XV,"TX.2!$87ES(%!A<W0@1'5E/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CDP($1A>7,@
M4&%S="!$=64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S
M<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F5U/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@4&%S="!$=64\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT-SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O
M=&%L($QO86YS/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,C`L
M,3`R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,3`R+#@R,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^.3`@1&%Y<R!087-T($1U92!A;F0@4W1I;&P@06-C<G5I
M;F<\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S
M<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y#;VUM97)C:6%L(&QO86YS('-E8W5R960@8GD@
M<F5A;"!E<W1A=&4@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#X\<W1R;VYG/D-L87-S97,@;V8@=&AE(&QO86X@<&]R=&9O
M;&EO('-U;6UA<FEZ960@8GD@=&AE(&%G:6YG(&-A=&5G;W)I97,@;V8@<&5R
M9F]R;6EN9R!L;V%N<R!A;F0@;F]N86-C<G5A;"!L;V%N<SPO<W1R;VYG/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-U<G)E;G0\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0Q,"PV,3D\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS-SDL.#,T/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#XS
M,"TU.2!$87ES(%!A<W0@1'5E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XT-3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#XV,"TX.2!$87ES(%!A<W0@1'5E/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPU
M-#4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/CDP($1A>7,@4&%S="!$=64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C8Q-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/CDV,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O=3X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E1O=&%L(%!A<W0@1'5E/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ+#`W,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C,L-3`U/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F5U/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@3&]A;G,\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0Q,2PV.3$\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS.#,L,S,Y/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#XY
M,"!$87ES(%!A<W0@1'5E(&%N9"!3=&EL;"!!8V-R=6EN9SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S
M<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E)E86P@97-T871E+6UO<G1G86=E(%M-96UB97)=/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY#;&%S<V5S(&]F('1H
M92!L;V%N('!O<G1F;VQI;R!S=6UM87)I>F5D(&)Y('1H92!A9VEN9R!C871E
M9V]R:65S(&]F('!E<F9O<FUI;F<@;&]A;G,@86YD(&YO;F%C8W)U86P@;&]A
M;G,\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y#=7)R96YT/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,S$L
M-S0P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,C$S+#,P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^,S`M-3D@1&%Y<R!087-T($1U93PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,BPR,S(\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XS+#(T,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^-C`M.#D@1&%Y<R!087-T
M($1U93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C<P/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S`S/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#XY
M,"!$87ES(%!A<W0@1'5E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XQ+#`T-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C<T,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/E1O=&%L(%!A<W0@1'5E/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XS+#DT.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C0L,C@T/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F]U/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@3&]A;G,\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(S-2PV.#D\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,3<L-3@T/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#XY,"!$
M87ES(%!A<W0@1'5E(&%N9"!3=&EL;"!!8V-R=6EN9SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D-O;G-U;65R(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^/'-T<F]N9SY#;&%S<V5S(&]F('1H92!L;V%N('!O<G1F;VQI
M;R!S=6UM87)I>F5D(&)Y('1H92!A9VEN9R!C871E9V]R:65S(&]F('!E<F9O
M<FUI;F<@;&]A;G,@86YD(&YO;F%C8W)U86P@;&]A;G,\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#=7)R96YT/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-2PX,#0\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-RPS-S$\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/C,P+34Y
M($1A>7,@4&%S="!$=64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C,S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,38\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/C8P+3@Y($1A>7,@4&%S="!$=64\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C(W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,S,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/CDP($1A>7,@4&%S="!$=64\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB
M<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^5&]T86P@4&%S="!$=64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C8P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-#D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y4;W1A;"!,;V%N<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,34L.#8T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,3<L-#(P/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#XY,"!$87ES(%!A<W0@1'5E(&%N
M9"!3=&EL;"!!8V-R=6EN9SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H
M=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y
M,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#
M.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H
M965T<R]3:&5E=#<T+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z
M('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C
M:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-
M151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT
M+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V
M87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#
M;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B
M;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%1E)!2SX-"B`@("`@(#QT<CX-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS
M1#(^/'-T<F]N9SY!3$Q/5T%.0T4@1D]2($Q/04X@3$]34T53("A.87)R871I
M=F4I("A$971A:6QS*2`H55-$("0I/&)R/DEN(%1H;W5S86YD<RP@=6YL97-S
M(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$.#XS($UO;G1H<R!%;F1E9#PO=&@^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0S/C$R($UO;G1H
M<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@
M("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,3,\8G(^/"]T:#X-"B`@
M("`@("`@/'1H(&-L87-S/3-$=&@^2G5N+B`S,"P@,C`Q,SQB<CX\+W1H/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:#Y-87(N(#,Q+"`R,#$S/&)R/CPO=&@^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3(\8G(^/"]T
M:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q,CQB<CX\
M+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y*=6XN(#,P+"`R,#$R/&)R
M/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/DUA<BX@,S$L(#(P,3(\
M8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q
M,SQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R
M,#$R/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L
M(#(P,3$\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS
M=')O;F<^06-C;W5N=',L($YO=&5S+"!,;V%N<R!A;F0@1FEN86YC:6YG(%)E
M8V5I=F%B;&4@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YD:79I9'5A;"!L;V%N
M(&)A;&%N8V4@:7,@8VQA<W-I9FEE9"!A<R!N;VYA8V-R=6%L('-T871U<R!O
M<B!T<F]U8FQE9"!D96)T(')E<W1R=6-T=7)E/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XD(#$P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$P,#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y,;V%N<R!P87-T
M(&1U92!A<R!T;R!M871U<FET>2P@9&%Y<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG.3`@9&%Y<SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y0<F]V:7-I;VX@*&-R
M961I="D@9F]R(&QO86X@;&]S<V5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q-3`I/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C4P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH-34P*3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(P,#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4P,#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8R
M-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$L,3`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^-S<U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,RPU-S4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E!A<W,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D%C8V]U;G1S
M+"!.;W1E<RP@3&]A;G,@86YD($9I;F%N8VEN9R!296-E:79A8FQE(%M,:6YE
M($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DUI;FEM=6T@:6YD:79I9'5A;"!L;V%N(&)A;&%N
M8V4@<F5Q=6ER:6YG('%U87)T97)L>2!R979I97<\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C$L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,#`P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-P96-I86P@
M365N=&EO;B!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^06-C;W5N=',L($YO=&5S+"!,;V%N
M<R!A;F0@1FEN86YC:6YG(%)E8V5I=F%B;&4@6TQI;F4@271E;7-=/"]S=')O
M;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^36EN:6UU;2!I;F1I=FED=6%L(&QO86X@8F%L86YC92!R97%U:7)I;F<@
M<75A<G1E<FQY(')E=FEE=SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,C4P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C(U,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y$;W5B=&9U;"!;365M8F5R73PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^
M06-C;W5N=',L($YO=&5S+"!,;V%N<R!A;F0@1FEN86YC:6YG(%)E8V5I=F%B
M;&4@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^36EN:6UU;2!I;F1I=FED=6%L(&QO
M86X@8F%L86YC92!R97%U:7)I;F<@<75A<G1E<FQY(')E=FEE=SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`P/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$P,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;VUM
M97)C:6%L(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!8V-O=6YT<RP@3F]T97,L($QO86YS
M(&%N9"!&:6YA;F-I;F<@4F5C96EV86)L92!;3&EN92!)=&5M<UT\+W-T<F]N
M9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y0<F]V:7-I;VX@*&-R961I="D@9F]R(&QO86X@;&]S<V5S/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#(Q."D\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@T,S@I/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PS-C0\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/E1H<F5S:&]L9"!F;W(@:6YD:79I9'5A;&QY(&5V86QU871I;F<@;&]A;G,\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(U,#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR-3`\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^0V]M;65R8VEA;"!;365M8F5R72!\($UI;FEM=6T@6TUE;6)E<ET\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R
M;VYG/D%C8V]U;G1S+"!.;W1E<RP@3&]A;G,@86YD($9I;F%N8VEN9R!296-E
M:79A8FQE(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DUI;FEM=6T@<&5R8V5N="!O
M9B!P;W)T9F]L:6\@=&\@8F4@<F5V:65W960\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^-3`N,#`E/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-O;6UE<F-I86P@6TUE
M;6)E<ET@?"!-87AI;75M(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!8V-O=6YT<RP@3F]T
M97,L($QO86YS(&%N9"!&:6YA;F-I;F<@4F5C96EV86)L92!;3&EN92!)=&5M
M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y-:6YI;75M('!E<F-E;G0@;V8@<&]R=&9O;&EO('1O(&)E
M(')E=FEE=V5D/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C4U+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y#;VUM97)C:6%L(&QO86YS('-E8W5R960@8GD@<F5A
M;"!E<W1A=&4@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D%C8V]U;G1S+"!.;W1E<RP@3&]A
M;G,@86YD($9I;F%N8VEN9R!296-E:79A8FQE(%M,:6YE($ET96US73PO<W1R
M;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E!R;W9I<VEO;B`H8W)E9&ET*2!F;W(@;&]A;B!L;W-S97,\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PV,34\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#`U,SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L
M.30X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y296%L(&5S=&%T92UM;W)T9V%G92!;365M8F5R73PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^06-C
M;W5N=',L($YO=&5S+"!,;V%N<R!A;F0@1FEN86YC:6YG(%)E8V5I=F%B;&4@
M6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^4')O=FES:6]N("AC<F5D:70I(&9O<B!L
M;V%N(&QO<W-E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B@X*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6T^*#,V-2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@Q.#4I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y#;VYS=6UE<B!;365M8F5R73PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^06-C
M;W5N=',L($YO=&5S+"!,;V%N<R!A;F0@1FEN86YC:6YG(%)E8V5I=F%B;&4@
M6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^4')O=FES:6]N("AC<F5D:70I(&9O<B!L
M;V%N(&QO<W-E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B0@*#<P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6T^)"`H,3(Y*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6T^)"`H,3(I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*
M+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P
M-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T
M83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE
M970W-2YH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M
M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB
M=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P
M+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C
M:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@
M<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J
M+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S
M/3-$<F5P;W)T(&ED/3-$240P14I9044^#0H@("`@("`\='(^#0H@("`@("`@
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M9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@
M,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C
M+B`S,2P@,C`Q,CQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^/'-T<F]N9SY.;VXM<&5R9F]R;6EN9R!A<W-E=',@:6YC;'5D:6YG(%1$
M4CPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/DYO;BUA8V-R=6%L(&QO86YS/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XD(#(L.#<Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^)"`U+#@Q-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^3W1H97(@<F5A;"!E<W1A=&4@;W=N960\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,#$W/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PR,C@\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1$
M4B=S(&YO="!I;B!N;VXM86-C<G5A;#PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,C(Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,3@R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!N;VXM<&5R9F]R;6EN9R!A<W-E=',@
M:6YC;'5D:6YG(%1$4CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-"PQ,#D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XW+#(R-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^5&]T86P@;F]N+7!E<F9O<FUI;F<@87-S971S(&%S(&$@
M<&5R8V5N="!O9B!L;V%N<RP@;F5T(&]F('5N96%R;F5D(&EN8V]M92P@86YD
M(&]T:&5R(')E86P@97-T871E(&]W;F5D/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XP+C4R)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C$N,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;VUM97)C:6%L(%M-96UB97)=/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY.;VXM
M<&5R9F]R;6EN9R!A<W-E=',@:6YC;'5D:6YG(%1$4CPO<W1R;VYG/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYO;BUA8V-R=6%L(&QO
M86YS/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB
M<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^0V]M;65R8VEA;"!L;V%N<R!S96-U<F5D(&)Y
M(')E86P@97-T871E(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^/'-T<F]N9SY.;VXM<&5R9F]R;6EN9R!A<W-E=',@:6YC
M;'5D:6YG(%1$4CPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DYO;BUA8V-R=6%L(&QO86YS/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ+#8S,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C0L-C(S/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y/=&AE<B!R96%L(&5S=&%T92!O
M=VYE9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S0T/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PQ,#$\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/E)E86P@97-T871E+6UO<G1G86=E(%M-96UB97)=/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY.;VXM<&5R9F]R;6EN9R!A
M<W-E=',@:6YC;'5D:6YG(%1$4CPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/DYO;BUA8V-R=6%L(&QO86YS/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#(S.3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,3DQ/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y/=&AE<B!R96%L
M(&5S=&%T92!O=VYE9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M)"`V-S,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XD(#$R-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X
M=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#
M;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW
M.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T-S8N:'1M;`T*
M0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*
M0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*
M#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O
M;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M
M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N
M:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\
M+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I
M9#TS1$E$,$5:14%'/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/DY/3BU015)&
M3U)-24Y'($%34T544R!)3D-,541)3D<@5%)/54),140@1$5"5"!215-44E5#
M5%5224Y'4R`H5$12*2`H4V-H961U;&4@;V8@5$12<RD@*$1E=&%I;',I("A5
M4T0@)"D\8G(^26X@5&AO=7-A;F1S+"!U;FQE<W,@;W1H97)W:7-E('-P96-I
M9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O
M;'-P86X],T0S/C$R($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R
M,#$S/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L
M(#(P,3(\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S
M,2P@,C`Q,3QB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M3&]A;G,@:6X@86-C<G5A;"!S=&%T=7,@6TUE;6)E<ET@?"!#;VUM97)C:6%L
M(&QO86YS('-E8W5R960@8GD@<F5A;"!E<W1A=&4@6TUE;6)E<ET\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY38VAE9'5L
M92!O9B!41%)S/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DYU;6)E<B!O9B!L;V%N<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XU/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y#=7)R96YT($)A;&%N8V4\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@,38Q/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q-CD\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#(L.#<P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;VYC97-S
M:6]N($=R86YT960\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B=%
M>'1E;G-I;VX@;V8@;6%T=7)I='D@9&%T93QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B=%>'1E;G-I;VX@;V8@;6%T=7)I
M='D@9&%T93QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B=%>'1E;G-I;VX@;V8@;6%T=7)I='D@9&%T93QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3&]A;G,@:6X@
M86-C<G5A;"!S=&%T=7,@6TUE;6)E<ET@?"!#;VYS=6UE<B!;365M8F5R73PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E-C
M:&5D=6QE(&]F(%1$4G,\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^3G5M8F5R(&]F(&QO86YS/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XR/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-U<G)E;G0@0F%L86YC93PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C$\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-O;F-E<W-I;VX@1W)A
M;G1E9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)T5X=&5N<VEO
M;B!O9B!M871U<FET>2!D871E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)T5X=&5N<VEO;B!O9B!M871U<FET>2!D871E
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^3&]A;G,@:6X@;F]N+6%C8W)U86P@<W1A='5S(%M-96UB97)=('P@0V]M
M;65R8VEA;"!L;V%N<R!S96-U<F5D(&)Y(')E86P@97-T871E(%M-96UB97)=
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^
M4V-H961U;&4@;V8@5$12<SPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y.=6UB97(@;V8@;&]A;G,\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XT/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0W5R<F5N="!"86QA;F-E/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$L,C4P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`S+#<W,CQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-O
M;F-E<W-I;VX@1W)A;G1E9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)T5X=&5N<VEO;B!O9B!M871U<FET>2!D871E/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)T5X=&5N<VEO;B!O9B!M
M871U<FET>2!D871E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?
M3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C
M#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?
M-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T-S<N:'1M
M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L
M90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI
M(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS
M1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU
M=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H
M;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP
M=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R
M="!I9#TS1$E$,$5'3T%#/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA
M<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/DY/3BU0
M15)&3U)-24Y'($%34T544R!)3D-,541)3D<@5%)/54),140@1$5"5"!215-4
M4E5#5%5224Y'4R`H5$12*2`H4V-H961U;&4@;V8@4F5C;W)D960@26YV97-T
M;65N="!O9B!$969A=6QT<RD@*$1E=&%I;',I("A54T0@)"D\8G(^26X@5&AO
M=7-A;F1S+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO
M=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0S/C$R($UO
M;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3(\8G(^/"]T:#X-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,3QB<CX\+W1H
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY296-O<F1E
M9"!I;G9E<W1M96YT(&]F(&1E9F%U;'1S/"]S=')O;F<^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E)E8V]R9&5D(&EN=F5S=&UE;G0@
M9&5F875L="P@=&]T86P\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/B0@,2PT.#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XD(#4Y-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@,2PS,3(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-O;6UE<F-I86P@;&]A;B!S96-U<F5D
M(&)Y(')E86P@97-T871E(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4F5C;W)D960@:6YV97-T;65N="!O
M9B!D969A=6QT<SPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y296-O<F1E9"!I;G9E<W1M96YT(&1E9F%U;'0L('1O=&%L
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$L-#@P/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`U.34\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD
M(#$L,S$R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO
M=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R
M=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E
M;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR
M,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970W."YH=&UL#0I#;VYT
M96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT
M96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH
M=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N
M="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\
M<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO
M*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A
M9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$
M240P13%'04,^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L
M(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^3D].+5!%4D9/4DU)
M3D<@05-31513($E.0TQ51$E.1R!44D]50DQ%1"!$14)4(%)%4U1254-455))
M3D=3("A41%(I("A38VAE9'5L92!O9B!);G1E<F5S="!);F-O;64I("A$971A
M:6QS*2`H55-$("0I/&)R/DEN(%1H;W5S86YD<RP@=6YL97-S(&]T:&5R=VES
M92!S<&5C:69I960\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T:"!C;VQS<&%N/3-$,SXQ,B!-;VYT:',@16YD960\+W1H/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C
M+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$
M96,N(#,Q+"`R,#$R/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H
M/D1E8RX@,S$L(#(P,3$\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/CQS=')O;F<^4V-H961U;&4@;V8@26YT97)E<W0@26YC;VUE/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN
M=&5R97-T(&EN8V]M92!D=64@:6X@86-C;W)D86YC92!W:71H(&]R:6=I;F%L
M('1E<FUS/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$W.#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@
M,C,Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^)"`S-S8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DEN=&5R97-T(&EN8V]M92!R96-O<F1E9#PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S
M<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B@Q-C<I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y.970@<F5D=6-T:6]N(&EN(&EN=&5R97-T(&EN8V]M93PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q-S@\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#(S,3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,C`Y/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@
M(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A
M.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I
M;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V
M,3,Y,39C+U=O<FMS:&5E=',O4VAE970W.2YH=&UL#0I#;VYT96YT+51R86YS
M9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z
M('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\
M:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O
M;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y
M<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@
M4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O
M9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P141(04,^
M#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X]
M,T0Q(')O=W-P86X],T0R/CQS=')O;F<^3D].+5!%4D9/4DU)3D<@05-31513
M($E.0TQ51$E.1R!44D]50DQ%1"!$14)4(%)%4U1254-455))3D=3("A41%(I
M("A.87)R871I=F4I("A$971A:6QS*2`H55-$("0I/&)R/DEN(%1H;W5S86YD
M<RP@=6YL97-S(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,3XQ,B!-;VYT:',@
M16YD960\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$
M,3X\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H
M(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$R/&)R/CPO=&@^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/DY/3BU015)&3U)-24Y'($%3
M4T544R!)3D-,541)3D<@5%)/54),140@1$5"5"!215-44E5#5%5224Y'4R`H
M5$12*2!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^06=G<F5G871E(&]F(&UU;'1I<&QE(&-O;G-E8W5T
M:79E(&UA='5R:71Y(&1A=&4@97AT96YS:6]N<R!D96QA>2!I;B!P87EM96YT
M+"!D87ES/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG,3(P(&1A
M>7,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y";W)R;W=E<G,@86=G<F5G871E(&5X<&]S=7)E(&9O<B!L;V%N(&UO
M9&EF:6-A=&EO;B!M:6YI;75M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XD(#(U,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/E1I;65L>2!P87EM96YT<R!O;B!C;VYT<F%C="!T97)M
M<R!F;W(@;6EN:6UU;2!C;VYS96-U=&EV92!M;VYT:',@<')I;W(@=&\@8V]N
M<VED97)A=&EO;B!F;W(@<F5M;W9I;F<@;&]A;B!F<F]M(%1$4B!S=&%T=7,\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<V(&UO;G1H<SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DUI
M;FEM=6T@8V]N<V5C=71I=F4@;6]N=&AS('!A>6UE;G0@9F]R(')E;6]V:6YG
M('1H92!L;V%N(&9R;VT@;F]N+6%C8W)U86P@<W1A='5S/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG-B!M;VYT:',\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!3$P@<F5S97)V92!F
M;W(@;&]A;G,@;6]D:69I960@87,@5$12)W,\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@,S0T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^)"`Q+#4P,#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^
M#0H-"BTM+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?
M-S0S,#<V,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R
M,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S
M+U-H965T.#`N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O
M=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S
M970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@
M:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M
M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R
M:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE
M;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C
M;&%S<STS1')E<&]R="!I9#TS1$E$,$4V1$%'/@T*("`@("`@/'1R/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\
M<W1R;VYG/E!214U)4T53($%.1"!%455)4$U%3E0@*$1E=&%I;',I("A54T0@
M)"D\8G(^26X@5&AO=7-A;F1S+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE
M9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P
M86X],T0S/C$R($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S
M/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P
M,3(\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@
M,C`Q,3QB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T
M<F]N9SY0<F]P97)T>2P@4&QA;G0@86YD($5Q=6EP;65N="!;3&EN92!)=&5M
M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^0V]S=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`S-BPV
M-S4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XD(#,S+#DP,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/DQE<W,Z($%C8W5M=6QA=&5D(&1E<')E8VEA=&EO;B!A
M;F0@86UO<G1I>F%T:6]N/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XR,RPU-38\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XR,BPQ,#(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F]U/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^3F5T(&)O;VL@=F%L=64\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$S+#$Q.3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$Q+#<Y.#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D1E<')E8VEA=&EO
M;B!E>'!E;G-E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#<P
M,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$L-3`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,2PU,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/DQA;F0@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY0<F]P97)T>2P@4&QA;G0@86YD
M($5Q=6EP;65N="!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V]S=#PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,2PR,#@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ+#(P.#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!R96UI<V5S(%M-96UB97)=
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^
M4')O<&5R='DL(%!L86YT(&%N9"!%<75I<&UE;G0@6TQI;F4@271E;7-=/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-O
M<W0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(U+#<U,CQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(T+#0S
M,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D9U<FYI='5R92!A;F0@17%U:7!M96YT(%M-96UB97)=/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4')O<&5R='DL
M(%!L86YT(&%N9"!%<75I<&UE;G0@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-O<W0\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@L.3$R/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-RPU-S(\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y,96%S96AO
M;&0@26UP<F]V96UE;G1S(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4')O<&5R='DL(%!L86YT(&%N9"!%
M<75I<&UE;G0@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-O<W0\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@.#`S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^)"`V.3`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-
M"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W
M-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S
M,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O
M4VAE970X,2YH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T
M960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E
M=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H
M='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL
M.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I
M<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N
M="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L
M87-S/3-$<F5P;W)T(&ED/3-$240P14%,04,^#0H@("`@("`\='(^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0Q/CQS
M=')O;F<^1$503U-)5%,@*%-C:&5D=6QE(&]F($)A;&%N8V5S(&]F($1E<&]S
M:71S*2`H1&5T86EL<RD@*%531"`D*3QB<CY);B!4:&]U<V%N9',L('5N;&5S
M<R!O=&AE<G=I<V4@<W!E8VEF:65D/"]S=')O;F<^/"]T:#X-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@
M("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$R/&)R/CPO=&@^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D1E;6%N9#H\+W-T<F]N
M9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.;VXM:6YT
M97)E<W0@8F5A<FEN9SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M)"`Q-30L,#`R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^)"`Q-38L,C(S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y);G1E<F5S="!B96%R:6YG/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XX-"PY,C8\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV,2PW-S0\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-A=FEN9W,\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@W+#8U-3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@V+#$S-3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M36]N97D@;6%R:V5T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR
M,3DL.#`Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,C$U+#@W,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^0V5R=&EF:6-A=&5S(&]F(&1E<&]S:70@:6X@9&5N
M;VUI;F%T:6]N<R!O9B`D,3`P+#`P,"!O<B!M;W)E/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XT-RPR.#<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XS-2PS,SD\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]T:&5R('1I;64\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(V,"PX-3$\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR.#`L,SDS/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M5&]T86P@9&5P;W-I=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/B0@.#4T+#4R,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/B0@.#,U+#<S-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM
M+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V
M,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y
M7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T
M.#(N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R
M:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S
M+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE
M<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA
M<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R
M8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\
M+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS
M1')E<&]R="!I9#TS1$E$,$5-3T%#/@T*("`@("`@/'1R/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG
M/D1%4$]32513("A38VAE9'5L92!O9B!);G1E<F5S="!%>'!E;G-E(&]N($1E
M<&]S:71S*2`H1&5T86EL<RD@*%531"`D*3QB<CY);B!4:&]U<V%N9',L('5N
M;&5S<R!O=&AE<G=I<V4@<W!E8VEF:65D/"]S=')O;F<^/"]T:#X-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#,^,3(@36]N=&AS($5N9&5D
M/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@("`@/'1H
M(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,CQB<CX\+W1H/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$Q/&)R/CPO=&@^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D1%4$]32513(%M!8G-T<F%C
M=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^26YT97)E<W0@8F5A<FEN9R!D96UA;F0\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@,3,X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^)"`Q,38\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$U,SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4V%V:6YG<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3,Y/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3@Q/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C4V/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y-;VYE>2!M87)K
M970\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<S-CQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@Y-3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,#8S
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y#97)T:69I8V%T97,@;V8@9&5P;W-I="!I;B!D96YO;6EN871I;VYS(&]F
M("0Q,#`L,#`P(&]R(&UO<F4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C(X.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C0S-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C8S-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^3W1H97(@=&EM93PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,RPX-C(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XT+#@W-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C8L,C(V/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F5U/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@:6YT97)E<W0@
M97AP96YS93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`U+#$V
M-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/B0@-BPU,#(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XD(#@L,S,U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM
M/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ
M-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P
M,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970X,RYH
M=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A
M8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C
M:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV
M/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T
M/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$
M4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R
M:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P
M;W)T(&ED/3-$240P139+044^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0Q/CQS=')O;F<^1$50
M3U-)5%,@*%-C:&5D=6QE(&]F($)A;&%N8V5S(&]F($1E<&]S:71S(&]F("0Q
M,#`L,#`P(&]R($UO<F4I("A$971A:6QS*2`H55-$("0I/&)R/DEN(%1H;W5S
M86YD<RP@=6YL97-S(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H
M/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO
M=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3(\8G(^
M/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^3U1(
M15(@5$E-12!$15!/4TE44SPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/C(P,30\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/B0@,3(X+#<R-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/C(P,34\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C0R+#0Y-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/C(P,38\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C(P+#`S,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/C(P,3<\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$Q+#8X-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/C(P,3@\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$P+#4T,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/C(P,3D@86YD(&%F=&5R/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XT-RPS-S$\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F]U/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C(V,"PX-3$\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D-%4E1)
M1DE#051%4R!/1B!$15!/4TE4($]&("0Q,#`L,#`P($]2($U/4D4\+W-T<F]N
M9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#XR,#$T/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS,BPQ,#D\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#XR,#$U/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,RPS,3`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#XR,#$V/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#4U,3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/C(P,3<\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(Q-SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/C(P,3@\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#XR,#$Y
M(&%N9"!A9G1E<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`P
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E1O=&%L/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#0W
M+#(X-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/B0@,S4L,S,Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].
M97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-
M"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T
M.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970X-"YH=&UL
M#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE
M#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB
M#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$
M0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T
M9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO
M=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T
M/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T
M(&ED/3-$240P139'04,^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0Q/CQS=')O;F<^1$503U-)
M5%,@*%-C:&5D=6QE(&]F($UA='5R:71I97,@;V8@1&5P;W-I=',@;V8@)#$P
M,"PP,#`@;W(@36]R92D@*$1E=&%I;',I("A54T0@)"D\8G(^26X@5&AO=7-A
M;F1S+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T
M:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,CQB<CX\
M+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY$15!/
M4TE44R!;06)S=')A8W1=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^5&AR964@;6]N=&AS(&]R(&QE<W,\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-RPS.3D\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y/=F5R('1H<F5E('1H
M<F]U9V@@<VEX(&UO;G1H<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,C`L-S8S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^3W9E<B!S:7@@=&AR;W5G:"!T=V5L=F4@;6]N=&AS/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS+#DT-SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]V97(@='=E
M;'9E(&UO;G1H<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,34L
M,3<X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/E1O=&%L/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD
M(#0W+#(X-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/B0@,S4L,S,Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM
M/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ
M-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P
M,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970X-2YH
M=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A
M8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C
M:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV
M/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T
M/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$
M4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R
M:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P
M;W)T(&ED/3-$240P14TR044^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^4TA/
M4E0M5$5232!"3U)23U=)3D=3("A$971A:6QS*2`H55-$("0I/&)R/DEN(%1H
M;W5S86YD<RP@=6YL97-S(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N9SX\
M+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,SXQ,B!-
M;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@
M("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$R/&)R/CPO=&@^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3$\8G(^/"]T
M:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4VAO<G0M
M=&5R;2!$96)T(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!=F5R86=E(&UA='5R:71Y/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG,2!D87D\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG,2!D87D\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG,R!D87ES
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y&961E<F%L($9U;F1S(%!U<F-H87-E9"!;365M8F5R73PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E-H;W)T+71E<FT@
M1&5B="!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^0F%L86YC93PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[
M)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y-87AI;75M(&EN9&5B=&5D;F5S<R!A="!A;GD@;6]N=&@@96YD
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V97)A9V4@8F%L86YC92!D
M=7)I;F<@>65A<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.34Y
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,3$W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-#D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D%V97)A9V4@<F%T92!P86ED(&9O<B!T:&4@>65A<CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,"XS-"4\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP+C,T)3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`N,S(E/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G1E
M<F5S="!R871E(&]N('EE87(@96YD(&)A;&%N8V4\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C`N,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,"XP,"4\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP+C`P)3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4VAO<G0M5&5R;2!"
M;W)R;W=I;F=S(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/CQS=')O;F<^4VAO<G0M=&5R;2!$96)T(%M,:6YE($ET96US
M73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y"86QA;F-E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT,2PU
M-34\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XQ-2PV-C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ-2PW-C4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DUA>&EM=6T@:6YD96)T961N97-S(&%T(&%N>2!M
M;VYT:"!E;F0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0Q+#4U
M-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$Y+#<U-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C$U+#<V-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^079E<F%G92!B86QA;F-E(&1U<FEN9R!Y96%R/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#X@,38L-#@R/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^(#4L,C(U/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^(#$L
M,38W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y!=F5R86=E(')A=&4@<&%I9"!F;W(@=&AE('EE87(\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C`N,C8E/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,"XR,"4\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP+C4Q)3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YT97)E
M<W0@<F%T92!O;B!Y96%R(&5N9"!B86QA;F-E/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XP+C(U)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C`N,C4E/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,"XS-"4\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H
M=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y
M,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#
M.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H
M965T<R]3:&5E=#@V+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z
M('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C
M:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-
M151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT
M+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V
M87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#
M;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B
M;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%5$Q!13X-"B`@("`@(#QT<CX-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS
M1#$^/'-T<F]N9SY!1%9!3D-%4R!&4D]-($9%1$5204P@2$]-12!,3T%.($)!
M3DL@04Y$($=505)!3E1%140@2E5.24]2(%-50D]21$E.051%1"!$149%4E)!
M0DQ%($E.5$5215-4($1%0D5.5%5215,@*%-C:&5D=6QE(&]F($)A;&%N8V5S
M(&%N9"!!9'9A;F-E<RD@*$1E=&%I;',I("A54T0@)"D\8G(^26X@5&AO=7-A
M;F1S+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T
M:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,CQB<CX\
M+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&141%
M4D%,($A/344@3$]!3B!"04Y+(%-43T-+.CPO<W1R;VYG/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]V97)N:6=H=#PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,"XR-24\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP+C(U)3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^,C`Q-3PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,"XU,B4\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP+C4R)3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^,C`Q-CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,"XX,24\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP+C<T)3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^,C`Q-SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2XP-R4\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP+CDR)3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^,C`Q
M.#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2XT-R4\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A
M;"!A9'9A;F-E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,"XX
M.24\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XP+C<S)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^5&]T86P@1DA,0B!B;W)R;W=I;F=S/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XP+C0Y)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C`N-#<E/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D)!3$%.0T4\
M+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y/
M=F5R;FEG:'0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-#$L
M-34U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^)"`Q-2PV-C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/C(P,34\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C0L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-"PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/C(P,38\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C$R+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C4L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#XR,#$W/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XW+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C0L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#XR,#$X/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XR+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!A9'9A;F-E<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C4L,#`P/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3,L,#`P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F]U
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@
M1DA,0B!B;W)R;W=I;F=S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XD(#8V+#4U-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/B0@,C@L-C8P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM
M+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q
M,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?
M-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970X
M-RYH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I
M;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M
M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q
M=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R
M<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C
M/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO
M<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$
M<F5P;W)T(&ED/3-$240P1599044^#0H@("`@("`\='(^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0Q/CQS=')O;F<^
M041604Y#15,@1E)/32!&141%4D%,($A/344@3$]!3B!"04Y+($%.1"!'54%2
M04Y4145$($I53DE/4B!354)/4D1)3D%4140@1$5&15)204),12!)3E1%4D53
M5"!$14)%3E154D53("A.87)R871I=F4I("A$971A:6QS*2`H55-$("0I/&)R
M/DEN(%1H;W5S86YD<RP@=6YL97-S(&]T:&5R=VES92!S<&5C:69I960\+W-T
M<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R
M,#$S/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L
M(#(P,3(\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S
M,2P@,C`Q,SQB<CY'=6%R86YT965D($IU;FEO<B!3=6)O<F1I;F%T960@1&5F
M97)R86)L92!);G1E<F5S="!$96)E;G1U<F5S(%M-96UB97)=/&)R/CPO=&@^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,#4\8G(^1W5A
M<F%N=&5E9"!*=6YI;W(@4W5B;W)D:6YA=&5D($1E9F5R<F%B;&4@26YT97)E
M<W0@1&5B96YT=7)E<R!;365M8F5R73QB<CX\+W1H/@T*("`@("`@("`\=&@@
M8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#`T/&)R/D=U87)A;G1E960@2G5N:6]R
M(%-U8F]R9&EN871E9"!$969E<G)A8FQE($EN=&5R97-T($1E8F5N='5R97,@
M6TUE;6)E<ET\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/CQS=')O;F<^041604Y#15,@1E)/32!&141%4D%,($A/344@3$]!3B!"04Y+
M($%.1"!'54%204Y4145$($I53DE/4B!354)/4D1)3D%4140@1$5&15)204),
M12!)3E1%4D535"!$14)%3E154D53(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y/=F5R;FEG:'0@
M8F]R<F]W:6YG(&-A<&%B:6QI='D@870@=&AE($9(3$(\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@,S$X+#`P,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E5N<V5C=7)E9"!F
M961E<F%L(&9U;F1S(&QI;F5S('=I=&@@8V]R<F5S<&]N9&5N="!B86YK<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.#$L,#`P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T
M<F]N9SY$96)T($EN<W1R=6UE;G0@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1&5B="!I;G-T
M<G5M96YT+"!P<FEN8VEP86P@86UO=6YT/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C,T+#4P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G1E<F5S="!R871E/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@N-#4E/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DUA='5R:71Y(&1A
M=&4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^2G5N(#,P+`T*
M"0DR,#(X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D5A<FQI97-T(')E9&5M<'1I;VX@9&%T93PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#Y*=6X@,S`L#0H)"3(P,#,\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^56YA
M;6]R=&EZ960@9&5F97)R960@:7-S=6%N8V4@8V]S=',\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,C(T/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5A<FQY(')E9&5M<'1I;VX@
M;V8@9&5B=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C(L
M-3`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,C(L-3`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y'=6%R86YT965D(&IU;FEO<B!S=6)O<F1I;F%T960@9&5F
M97)R86)L92!I;G1E<F5S="!D96)E;G1U<F5S/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XD(#$S+#`X-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,3,L,#@U/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q,RPQ,#`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\
M+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?
M-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N
M.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S
M.3$V8R]7;W)K<VAE971S+U-H965T.#@N:'1M;`T*0V]N=&5N="U4<F%N<V9E
M<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T
M97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE
M860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT
M96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E
M/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E
M;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y
M/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$571$1)/@T*
M("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$
M,2!R;W=S<&%N/3-$,3X\<W1R;VYG/D1)4T-,3U-54D53($%"3U54($9!25(@
M5D%,544@345!4U5214U%3E13("A38VAE9'5L92!O9B!!<W-E=',@86YD($QI
M86)I;&ET:65S($UE87-U<F5D(&]N(%)E8W5R<FEN9R!"87-I<RD@*$1E=&%I
M;',I("A54T0@)"D\8G(^26X@5&AO=7-A;F1S+"!U;FQE<W,@;W1H97)W:7-E
M('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S
M/3-$=&@^1&5C+B`S,2P@,C`Q,CQB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^/'-T<F]N9SY&86ER(%9A;'5E+"!"86QA;F-E(%-H965T
M($=R;W5P:6YG+"!&:6YA;F-I86P@4W1A=&5M96YT($-A<'1I;VYS(%M,:6YE
M($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D%V86EL86)L92!F;W(@<V%L93PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^)"`Q-#$L.3<X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q-3$L-3,X/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y&86ER('9A;'5E(&]F
M('-W87`@87-S970\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ
M-C0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D9A:7(@=F%L=64@;V8@<W=A<"!L:6%B:6QI='D\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ-C0\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E4N4RX@06=E;F-Y(%-E8W5R:71I
M97,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#X\<W1R;VYG/D9A:7(@5F%L=64L($)A;&%N8V4@4VAE970@1W)O=7!I;F<L
M($9I;F%N8VEA;"!3=&%T96UE;G0@0V%P=&EO;G,@6TQI;F4@271E;7-=/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^079A
M:6QA8FQE(&9O<B!S86QE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XV+#@S-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C4L.3$Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y5+E,N($%G96YC>2!M;W)T9V%G92UB86-K960@<V5C
M=7)I=&EE<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/CQS=')O;F<^1F%I<B!686QU92P@0F%L86YC92!3:&5E="!'<F]U
M<&EN9RP@1FEN86YC:6%L(%-T871E;65N="!#87!T:6]N<R!;3&EN92!)=&5M
M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y!=F%I;&%B;&4@9F]R('-A;&4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C$R,RPS.#(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ,S<L-S,U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;W)P;W)A=&4@0F]N9"!396-U<FET
M:65S(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^/'-T<F]N9SY&86ER(%9A;'5E+"!"86QA;F-E(%-H965T($=R;W5P:6YG
M+"!&:6YA;F-I86P@4W1A=&5M96YT($-A<'1I;VYS(%M,:6YE($ET96US73PO
M<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V
M86EL86)L92!F;W(@<V%L93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,3$L-S8Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-RPX.3(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DQE=F5L(#$@6TUE;6)E<ET\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9A:7(@5F%L=64L($)A
M;&%N8V4@4VAE970@1W)O=7!I;F<L($9I;F%N8VEA;"!3=&%T96UE;G0@0V%P
M=&EO;G,@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^079A:6QA8FQE(&9O<B!S86QE/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N
M8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^3&5V96P@,B!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/CQS=')O;F<^1F%I<B!686QU92P@0F%L86YC92!3:&5E
M="!'<F]U<&EN9RP@1FEN86YC:6%L(%-T871E;65N="!#87!T:6]N<R!;3&EN
M92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y!=F%I;&%B;&4@9F]R('-A;&4\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C$T,2PY-S@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ-3$L-3,X/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y,979E;"`S(%M-96UB97)=
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&
M86ER(%9A;'5E+"!"86QA;F-E(%-H965T($=R;W5P:6YG+"!&:6YA;F-I86P@
M4W1A=&5M96YT($-A<'1I;VYS(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@
M<V%L93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N
M8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/D9A:7(@5F%L=64@365A<W5R96UE;G1S+"!2
M96-U<G)I;F<@0F%S:7,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9A:7(@5F%L=64L($)A;&%N8V4@4VAE
M970@1W)O=7!I;F<L($9I;F%N8VEA;"!3=&%T96UE;G0@0V%P=&EO;G,@6TQI
M;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^1F%I<B!V86QU92!O9B!S=V%P(&%S<V5T/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ-C0\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-C0\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D9A:7(@=F%L=64@;V8@<W=A
M<"!L:6%B:6QI='D\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$V
M-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$V-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^1F%I<B!686QU92!-96%S=7)E;65N=',L(%)E8W5R<FEN9R!"87-I
M<R!;365M8F5R72!\(%4N4RX@06=E;F-Y(%-E8W5R:71I97,@6TUE;6)E<ET\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9A
M:7(@5F%L=64L($)A;&%N8V4@4VAE970@1W)O=7!I;F<L($9I;F%N8VEA;"!3
M=&%T96UE;G0@0V%P=&EO;G,@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^079A:6QA8FQE(&9O<B!S
M86QE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV+#@S-3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4L.3$Q
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y&86ER(%9A;'5E($UE87-U<F5M96YT<RP@4F5C=7)R:6YG($)A<VES(%M-
M96UB97)=('P@52Y3+B!!9V5N8WD@;6]R=&=A9V4M8F%C:V5D('-E8W5R:71I
M97,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#X\<W1R;VYG/D9A:7(@5F%L=64L($)A;&%N8V4@4VAE970@1W)O=7!I;F<L
M($9I;F%N8VEA;"!3=&%T96UE;G0@0V%P=&EO;G,@6TQI;F4@271E;7-=/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^079A
M:6QA8FQE(&9O<B!S86QE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XQ,C,L,S@R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,3,W+#<S-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^1F%I<B!686QU92!-96%S=7)E;65N=',L(%)E
M8W5R<FEN9R!"87-I<R!;365M8F5R72!\($-O<G!O<F%T92!";VYD(%-E8W5R
M:71I97,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/D9A:7(@5F%L=64L($)A;&%N8V4@4VAE970@1W)O=7!I
M;F<L($9I;F%N8VEA;"!3=&%T96UE;G0@0V%P=&EO;G,@6TQI;F4@271E;7-=
M/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M079A:6QA8FQE(&9O<B!S86QE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ,2PW-C$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XW+#@Y,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^1F%I<B!686QU92!-96%S=7)E;65N=',L(%)E
M8W5R<FEN9R!"87-I<R!;365M8F5R72!\($QE=F5L(#$@6TUE;6)E<ET\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9A:7(@
M5F%L=64L($)A;&%N8V4@4VAE970@1W)O=7!I;F<L($9I;F%N8VEA;"!3=&%T
M96UE;G0@0V%P=&EO;G,@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1F%I<B!V86QU92!O9B!S=V%P
M(&%S<V5T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[
M)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^1F%I<B!V86QU92!O9B!S=V%P(&QI86)I
M;&ET>3PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N
M8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/D9A:7(@5F%L=64@365A<W5R96UE;G1S+"!2
M96-U<G)I;F<@0F%S:7,@6TUE;6)E<ET@?"!,979E;"`Q(%M-96UB97)=('P@
M52Y3+B!!9V5N8WD@4V5C=7)I=&EE<R!;365M8F5R73PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1F%I<B!686QU92P@0F%L
M86YC92!3:&5E="!'<F]U<&EN9RP@1FEN86YC:6%L(%-T871E;65N="!#87!T
M:6]N<R!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y!=F%I;&%B;&4@9F]R('-A;&4\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB
M<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y&86ER(%9A;'5E($UE87-U<F5M96YT<RP@4F5C=7)R:6YG($)A<VES
M(%M-96UB97)=('P@3&5V96P@,2!;365M8F5R72!\(%4N4RX@06=E;F-Y(&UO
M<G1G86=E+6)A8VME9"!S96-U<FET:65S(%M-96UB97)=/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&86ER(%9A;'5E+"!"
M86QA;F-E(%-H965T($=R;W5P:6YG+"!&:6YA;F-I86P@4W1A=&5M96YT($-A
M<'1I;VYS(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@<V%L93PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF
M;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D9A:7(@5F%L=64@365A<W5R96UE;G1S+"!296-U<G)I;F<@0F%S
M:7,@6TUE;6)E<ET@?"!,979E;"`Q(%M-96UB97)=('P@0V]R<&]R871E($)O
M;F0@4V5C=7)I=&EE<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/CQS=')O;F<^1F%I<B!686QU92P@0F%L86YC92!3:&5E
M="!'<F]U<&EN9RP@1FEN86YC:6%L(%-T871E;65N="!#87!T:6]N<R!;3&EN
M92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y!=F%I;&%B;&4@9F]R('-A;&4\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y&86ER
M(%9A;'5E($UE87-U<F5M96YT<RP@4F5C=7)R:6YG($)A<VES(%M-96UB97)=
M('P@3&5V96P@,B!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/CQS=')O;F<^1F%I<B!686QU92P@0F%L86YC92!3:&5E="!'
M<F]U<&EN9RP@1FEN86YC:6%L(%-T871E;65N="!#87!T:6]N<R!;3&EN92!)
M=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y&86ER('9A;'5E(&]F('-W87`@87-S970\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C$V-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$V-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1F%I<B!V86QU92!O9B!S=V%P(&QI
M86)I;&ET>3PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,38T/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,38T
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y&86ER(%9A;'5E($UE87-U<F5M96YT<RP@4F5C=7)R:6YG($)A<VES(%M-
M96UB97)=('P@3&5V96P@,B!;365M8F5R72!\(%4N4RX@06=E;F-Y(%-E8W5R
M:71I97,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/D9A:7(@5F%L=64L($)A;&%N8V4@4VAE970@1W)O=7!I
M;F<L($9I;F%N8VEA;"!3=&%T96UE;G0@0V%P=&EO;G,@6TQI;F4@271E;7-=
M/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M079A:6QA8FQE(&9O<B!S86QE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XV+#@S-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C4L.3$Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y&86ER(%9A;'5E($UE87-U<F5M96YT<RP@4F5C
M=7)R:6YG($)A<VES(%M-96UB97)=('P@3&5V96P@,B!;365M8F5R72!\(%4N
M4RX@06=E;F-Y(&UO<G1G86=E+6)A8VME9"!S96-U<FET:65S(%M-96UB97)=
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&
M86ER(%9A;'5E+"!"86QA;F-E(%-H965T($=R;W5P:6YG+"!&:6YA;F-I86P@
M4W1A=&5M96YT($-A<'1I;VYS(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@
M<V%L93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3(S+#,X,CQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$S
M-RPW,S4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D9A:7(@5F%L=64@365A<W5R96UE;G1S+"!296-U<G)I;F<@0F%S
M:7,@6TUE;6)E<ET@?"!,979E;"`R(%M-96UB97)=('P@0V]R<&]R871E($)O
M;F0@4V5C=7)I=&EE<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/CQS=')O;F<^1F%I<B!686QU92P@0F%L86YC92!3:&5E
M="!'<F]U<&EN9RP@1FEN86YC:6%L(%-T871E;65N="!#87!T:6]N<R!;3&EN
M92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y!=F%I;&%B;&4@9F]R('-A;&4\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C$Q+#<V,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C<L.#DR/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y&86ER(%9A;'5E($UE87-U<F5M
M96YT<RP@4F5C=7)R:6YG($)A<VES(%M-96UB97)=('P@3&5V96P@,R!;365M
M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O
M;F<^1F%I<B!686QU92P@0F%L86YC92!3:&5E="!'<F]U<&EN9RP@1FEN86YC
M:6%L(%-T871E;65N="!#87!T:6]N<R!;3&EN92!)=&5M<UT\+W-T<F]N9SX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y&86ER('9A;'5E
M(&]F('-W87`@87-S970\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y&86ER('9A;'5E(&]F('-W
M87`@;&EA8FEL:71Y/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1F%I<B!686QU92!-96%S=7)E
M;65N=',L(%)E8W5R<FEN9R!"87-I<R!;365M8F5R72!\($QE=F5L(#,@6TUE
M;6)E<ET@?"!5+E,N($%G96YC>2!396-U<FET:65S(%M-96UB97)=/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&86ER(%9A
M;'5E+"!"86QA;F-E(%-H965T($=R;W5P:6YG+"!&:6YA;F-I86P@4W1A=&5M
M96YT($-A<'1I;VYS(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@<V%L93PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F
M;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D9A:7(@5F%L=64@365A<W5R96UE;G1S+"!296-U<G)I
M;F<@0F%S:7,@6TUE;6)E<ET@?"!,979E;"`S(%M-96UB97)=('P@52Y3+B!!
M9V5N8WD@;6]R=&=A9V4M8F%C:V5D('-E8W5R:71I97,@6TUE;6)E<ET\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9A:7(@
M5F%L=64L($)A;&%N8V4@4VAE970@1W)O=7!I;F<L($9I;F%N8VEA;"!3=&%T
M96UE;G0@0V%P=&EO;G,@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^079A:6QA8FQE(&9O<B!S86QE
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^1F%I<B!686QU92!-96%S=7)E;65N=',L(%)E8W5R
M<FEN9R!"87-I<R!;365M8F5R72!\($QE=F5L(#,@6TUE;6)E<ET@?"!#;W)P
M;W)A=&4@0F]N9"!396-U<FET:65S(%M-96UB97)=/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&86ER(%9A;'5E+"!"86QA
M;F-E(%-H965T($=R;W5P:6YG+"!&:6YA;F-I86P@4W1A=&5M96YT($-A<'1I
M;VYS(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@<V%L93PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S
M<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L
M93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R
M,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,
M;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W
M-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E=#@Y+FAT;6P-"D-O;G1E;G0M
M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M
M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^
M#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y
M<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I
M<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O
M($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*
M("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%
M2$%!23X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L
M<W!A;CTS1#$@<F]W<W!A;CTS1#$^/'-T<F]N9SY$25-#3$]355)%4R!!0D]5
M5"!&04E2(%9!3%5%($U%05-54D5-14Y44R`H4V-H961U;&4@;V8@07-S971S
M($UE87-U<F5D(&%T($9A:7(@5F%L=64@;VX@3F]N+5)E8W5R<FEN9R!"87-I
M<RD@*$1E=&%I;',I("A54T0@)"D\8G(^26X@5&AO=7-A;F1S+"!U;FQE<W,@
M;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,CQB<CX\+W1H/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&86ER(%9A;'5E+"!"86QA
M;F-E(%-H965T($=R;W5P:6YG+"!&:6YA;F-I86P@4W1A=&5M96YT($-A<'1I
M;VYS(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/D-A<G)Y:6YG('9A;'5E(&]F(&EM<&%I<F5D(&QO
M86YS/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#,L,#8V/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`T
M+#@P-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^1F%I<B!686QU92!-96%S=7)E;65N=',L($YO;G)E8W5R<FEN9R!"
M87-I<R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/CQS=')O;F<^1F%I<B!686QU92P@0F%L86YC92!3:&5E="!'<F]U<&EN
M9RP@1FEN86YC:6%L(%-T871E;65N="!#87!T:6]N<R!;3&EN92!)=&5M<UT\
M+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y/
M=&AE<B!R96%L(&5S=&%T92!O=VYE9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,2PP,3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ+#(R.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^0V%R<GEI;F<@=F%L=64@;V8@:6UP86ER
M960@;&]A;G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L,C4S
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,RPR,C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D9A:7(@5F%L=64@365A<W5R96UE;G1S+"!.;VYR96-U<G)I;F<@
M0F%S:7,@6TUE;6)E<ET@?"!);7!A:7)E9"!,;V%N<R!;365M8F5R73PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1F%I<B!6
M86QU92P@0F%L86YC92!3:&5E="!'<F]U<&EN9RP@1FEN86YC:6%L(%-T871E
M;65N="!#87!T:6]N<R!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y,:7%U:61A=&EO;B!%>'!E;G-E
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,"XP,"4\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,"XP,"4\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D%P<')A:7-A;"!O9B!!9&IU<W1M96YT/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XS,"XP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XR,"XP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D9A:7(@5F%L=64@365A<W5R96UE
M;G1S+"!.;VYR96-U<G)I;F<@0F%S:7,@6TUE;6)E<ET@?"!/=&AE<B!296%L
M($5S=&%T92!/=VYE9"!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/CQS=')O;F<^1F%I<B!686QU92P@0F%L86YC92!3:&5E
M="!'<F]U<&EN9RP@1FEN86YC:6%L(%-T871E;65N="!#87!T:6]N<R!;3&EN
M92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y,:7%U:61A=&EO;B!%>'!E;G-E/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ,"XP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ,"XP,"4\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%P<')A:7-A;"!O9B!!9&IU
M<W1M96YT/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS."XP,"4\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ
M-2XP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D9A:7(@5F%L=64@365A<W5R96UE;G1S+"!.;VYR96-U<G)I;F<@
M0F%S:7,@6TUE;6)E<ET@?"!-:6YI;75M(%M-96UB97)=('P@26UP86ER960@
M3&]A;G,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/D9A:7(@5F%L=64L($)A;&%N8V4@4VAE970@1W)O=7!I
M;F<L($9I;F%N8VEA;"!3=&%T96UE;G0@0V%P=&EO;G,@6TQI;F4@271E;7-=
M/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M3&EQ=6ED871I;VX@17AP96YS93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,2XP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^07!P<F%I<V%L(&]F($%D:G5S=&UE;G0\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C`N,#`E/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2XP,"4\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D9A:7(@
M5F%L=64@365A<W5R96UE;G1S+"!.;VYR96-U<G)I;F<@0F%S:7,@6TUE;6)E
M<ET@?"!-:6YI;75M(%M-96UB97)=('P@3W1H97(@4F5A;"!%<W1A=&4@3W=N
M960@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#X\<W1R;VYG/D9A:7(@5F%L=64L($)A;&%N8V4@4VAE970@1W)O=7!I;F<L
M($9I;F%N8VEA;"!3=&%T96UE;G0@0V%P=&EO;G,@6TQI;F4@271E;7-=/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3&EQ
M=6ED871I;VX@17AP96YS93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,2XP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^07!P<F%I<V%L(&]F($%D:G5S=&UE;G0\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,Q+C`P)3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$N,#`E/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y&86ER(%9A
M;'5E($UE87-U<F5M96YT<RP@3F]N<F5C=7)R:6YG($)A<VES(%M-96UB97)=
M('P@36%X:6UU;2!;365M8F5R72!\($EM<&%I<F5D($QO86YS(%M-96UB97)=
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&
M86ER(%9A;'5E+"!"86QA;F-E(%-H965T($=R;W5P:6YG+"!&:6YA;F-I86P@
M4W1A=&5M96YT($-A<'1I;VYS(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DQI<75I9&%T:6]N($5X
M<&5N<V4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$U+C`P)3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$U
M+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^07!P<F%I<V%L(&]F($%D:G5S=&UE;G0\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C,W+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C,U+C`P)3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1F%I<B!686QU92!-96%S
M=7)E;65N=',L($YO;G)E8W5R<FEN9R!"87-I<R!;365M8F5R72!\($UA>&EM
M=6T@6TUE;6)E<ET@?"!/=&AE<B!296%L($5S=&%T92!/=VYE9"!;365M8F5R
M73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^
M1F%I<B!686QU92P@0F%L86YC92!3:&5E="!'<F]U<&EN9RP@1FEN86YC:6%L
M(%-T871E;65N="!#87!T:6]N<R!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y,:7%U:61A=&EO;B!%
M>'!E;G-E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,"XP,"4\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR
M,"XP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/D%P<')A:7-A;"!O9B!!9&IU<W1M96YT/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XT."XP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,"XP,"4\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D9A:7(@5F%L=64@365A
M<W5R96UE;G1S+"!.;VYR96-U<G)I;F<@0F%S:7,@6TUE;6)E<ET@?"!,979E
M;"`Q(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^/'-T<F]N9SY&86ER(%9A;'5E+"!"86QA;F-E(%-H965T($=R;W5P:6YG
M+"!&:6YA;F-I86P@4W1A=&5M96YT($-A<'1I;VYS(%M,:6YE($ET96US73PO
M<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]T
M:&5R(')E86P@97-T871E(&]W;F5D/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V%R<GEI;F<@
M=F%L=64@;V8@:6UP86ER960@;&]A;G,\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y&86ER(%9A
M;'5E($UE87-U<F5M96YT<RP@3F]N<F5C=7)R:6YG($)A<VES(%M-96UB97)=
M('P@3&5V96P@,B!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/CQS=')O;F<^1F%I<B!686QU92P@0F%L86YC92!3:&5E="!'
M<F]U<&EN9RP@1FEN86YC:6%L(%-T871E;65N="!#87!T:6]N<R!;3&EN92!)
M=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y/=&AE<B!R96%L(&5S=&%T92!O=VYE9#PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-A
M<G)Y:6YG('9A;'5E(&]F(&EM<&%I<F5D(&QO86YS/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M1F%I<B!686QU92!-96%S=7)E;65N=',L($YO;G)E8W5R<FEN9R!"87-I<R!;
M365M8F5R72!\($QE=F5L(#,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9A:7(@5F%L=64L($)A;&%N8V4@
M4VAE970@1W)O=7!I;F<L($9I;F%N8VEA;"!3=&%T96UE;G0@0V%P=&EO;G,@
M6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^3W1H97(@<F5A;"!E<W1A=&4@;W=N960\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,#$W/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PR,C@\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-A<G)Y:6YG('9A
M;'5E(&]F(&EM<&%I<F5D(&QO86YS/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XD(#(L,C4S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^)"`S+#(R,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-
M"BTM+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S
M,#<V,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C
M-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H
M965T.3`N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D
M+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970]
M(G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T
M<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@
M8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T
M('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@
M*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S
M<STS1')E<&]R="!I9#TS1$E$,$5!3D%#/@T*("`@("`@/'1R/@T*("`@("`@
M("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,3X\<W1R
M;VYG/D1)4T-,3U-54D53($%"3U54($9!25(@5D%,544@345!4U5214U%3E13
M("A.87)R871I=F4I("A$971A:6QS*2`H55-$("0I/&)R/DEN(%1H;W5S86YD
M<RP@=6YL97-S(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3(\8G(^/"]T
M:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1F%I<B!6
M86QU92P@07-S971S(&%N9"!,:6%B:6QI=&EE<R!-96%S=7)E9"!O;B!296-U
M<G)I;F<@86YD($YO;G)E8W5R<FEN9R!"87-I<R!;3&EN92!)=&5M<UT\+W-T
M<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y296-O
M<F1E9"!);G9E<W1M96YT/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XD(#,L,#8V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^)"`T+#@P-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^4W!E8VEF:6,@=F%L=6%T:6]N(&%L;&]W86YC
M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.#$S/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PV,#`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE
M="!F86ER('9A;'5E(&]F(&EM<&%I<F5D(&QO86YS/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XR+#,P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C,L,C`P/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y&86ER(%9A;'5E($UE87-U
M<F5M96YT<R!.;VYR96-U<G)I;F<@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9A:7(@5F%L=64L($%S<V5T
M<R!A;F0@3&EA8FEL:71I97,@365A<W5R960@;VX@4F5C=7)R:6YG(&%N9"!.
M;VYR96-U<G)I;F<@0F%S:7,@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4F5C;W)D960@26YV97-T
M;65N=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R+#(U,SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@
M,RPR,C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T
M86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T
M7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N
M="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P
M.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E=#DQ+FAT;6P-"D-O;G1E
M;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E
M;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT
M;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT
M+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS
M8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J
M($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D
M/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)
M1#!%3S-!2SX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@
M8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#$^/'-T<F]N9SY$25-#3$]355)%4R!!
M0D]55"!&04E2(%9!3%5%($]&($9)3D%.0TE!3"!)3E-44E5-14Y44R`H1&5T
M86EL<RD@*%531"`D*3QB<CY);B!4:&]U<V%N9',L('5N;&5S<R!O=&AE<G=I
M<V4@<W!E8VEF:65D/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S
M/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA
M<W,],T1T:#Y$96,N(#,Q+"`R,#$R/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1H/D1E8RX@,S$L(#(P,3$\8G(^/"]T:#X-"B`@("`@("`@/'1H
M(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,#QB<CX\+W1H/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&24Y!3D-)04P@05-31513.B!#
M87)R>6EN9R!686QU93PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^0V%S:"!A;F0@8V%S:"!E<75I=F%L96YT<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`S,"PP-C8\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#(V+#@R,#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@
M,S0L-S@S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`Q.2PS,S<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R`M($A433PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3@L,3@W/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3,L-S(S/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/E)E9W5L871O<GD@<W1O8VL\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C8L.#`R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-BPS,#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^3&]A;G,@:&5L9"!F;W(@<V%L93PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPT,#(\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,"PU-S8\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3&]A;G,L
M(&YE="!O9B!A;&QO=V%N8V4@9F]R(&QO86X@;&]S<R!A;F0@=6YE87)N960@
M:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW-S,L,C0R
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-S`X+#4Y-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y!8V-R=65D(&EN8V]M92!R96-E:79A8FQE/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#DP.#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L.38P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D)A;FL@;W=N
M960@;&EF92!I;G-U<F%N8V4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C,V+#8V.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C,V+#(Q-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y&86ER('9A;'5E(&]F('-W87`@87-S970\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-C0\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V%S:"!A
M;F0@8V%S:"!E<75I=F%L96YT<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,S`L,#8V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,C8L.#(P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@<V%L93PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,30Q+#DW.#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$U,2PU,S@\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M26YV97-T;65N="!S96-U<FET:65S("T@2%1-/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ-RPW.#@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ-"PR-C8\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4F5G=6QA=&]R>2!S=&]C
M:SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-BPX,#(\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV+#,P-#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y,;V%N<R!H96QD(&9O<B!S86QE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XS+#0U,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C$P+#<R,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y,;V%N<RP@;F5T(&]F(&%L;&]W86YC
M92!F;W(@;&]A;B!L;W-S(&%N9"!U;F5A<FYE9"!I;F-O;64\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C<W,2PT-C`\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW,38L-S4V/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%C8W)U
M960@:6YC;VUE(')E8V5I=F%B;&4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C(L.3`X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,BPY-C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^0F%N:R!O=VYE9"!L:69E(&EN<W5R86YC
M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S8L-C8Y/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S8L,C$T
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D9A:7(@=F%L=64@;V8@<W=A<"!A<W-E=#PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C$V-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9)3D%.0TE!3"!,24%"
M24Q)5$E%4SH@0V%R<GEI;F<@5F%L=64\+W-T<F]N9SX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D1E<&]S:71S('=I=&@@;F\@<W1A
M=&5D(&UA='5R:71I97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C4T-BPS.#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XU,C`L,#`R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/D1E<&]S:71S('=I=&@@<W1A=&5D(&UA='5R
M:71I97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,P."PQ,S@\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS
M,34L-S,R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E-H;W)T+71E<FT@8F]R<F]W:6YG<SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^-#$L-34U/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,34L-C8P/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%L;"!O=&AE<B!B
M;W)R;W=I;F=S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS."PP
M.#4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XR-BPP.#4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^06-C<G5E9"!I;G1E<F5S="!P87EA8FQE/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#<X-#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L,#@S/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D9A:7(@=F%L
M=64@;V8@<W=A<"!L:6%B:6QI='D\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ-C0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^1&5P;W-I=',@=VET:"!N;R!S=&%T960@;6%T=7)I
M=&EE<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-30V+#,X-#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4R
M,"PP,#(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^1&5P;W-I=',@=VET:"!S=&%T960@;6%T=7)I=&EE<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S$S+#(W,CQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,R,"PY,S`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M4VAO<G0M=&5R;2!B;W)R;W=I;F=S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XT,2PU-34\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ-2PV-C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^06QL(&]T:&5R(&)O<G)O=VEN9W,\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0P+#4Y.#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,P+#0T,CQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y!8V-R=65D(&EN=&5R97-T('!A>6%B;&4\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C$L-S@T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,BPP.#,\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1F%I<B!V86QU92!O9B!S=V%P
M(&QI86)I;&ET>3PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$V
M-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y,979E;"`Q(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9)3D%.0TE!3"!!4U-%5%,Z($-A<G)Y
M:6YG(%9A;'5E/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y#87-H(&%N9"!C87-H(&5Q=6EV86QE;G1S/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XS,"PP-C8\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR-BPX,C`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^079A:6QA
M8FQE(&9O<B!S86QE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G9E<W1M96YT('-E8W5R
M:71I97,@+2!(5$T\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F
M;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E)E9W5L871O<GD@<W1O8VL\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8L.#`R/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-BPS,#0\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M3&]A;G,@:&5L9"!F;W(@<V%L93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,RPT-3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ,"PW,C(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^3&]A;G,L(&YE="!O9B!A;&QO=V%N8V4@
M9F]R(&QO86X@;&]S<R!A;F0@=6YE87)N960@:6YC;VUE/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P
M.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y!8V-R=65D(&EN8V]M92!R96-E:79A8FQE/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XR+#DP.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C(L.38P/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D)A;FL@;W=N960@;&EF
M92!I;G-U<F%N8V4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,V
M+#8V.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C,V+#(Q-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y&86ER('9A;'5E(&]F('-W87`@87-S970\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS
M=')O;F<^1DE.04Y#24%,($Q)04))3$E42453.B!#87)R>6EN9R!686QU93PO
M<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M1&5P;W-I=',@=VET:"!N;R!S=&%T960@;6%T=7)I=&EE<SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^-30V+#,X-#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4R,"PP,#(\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1&5P;W-I
M=',@=VET:"!S=&%T960@;6%T=7)I=&EE<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4VAO
M<G0M=&5R;2!B;W)R;W=I;F=S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XT,2PU-34\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ-2PV-C`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^06QL(&]T:&5R(&)O<G)O=VEN9W,\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB
M<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D%C8W)U960@:6YT97)E<W0@<&%Y86)L93PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PW.#0\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#`X,SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y&86ER('9A
M;'5E(&]F('-W87`@;&EA8FEL:71Y/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y,979E;"`R(%M-96UB97)=/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9)
M3D%.0TE!3"!!4U-%5%,Z($-A<G)Y:6YG(%9A;'5E/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#87-H(&%N9"!C87-H
M(&5Q=6EV86QE;G1S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!=F%I;&%B;&4@9F]R('-A
M;&4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$T,2PY-S@\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-3$L
M-3,X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/DEN=F5S=&UE;G0@<V5C=7)I=&EE<R`M($A433PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,30L.#(R/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3$L,S(Q/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E)E9W5L871O
M<GD@<W1O8VL\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S
M<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DQO86YS(&AE;&0@9F]R('-A;&4\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DQO86YS+"!N970@;V8@86QL;W=A;F-E(&9O<B!L
M;V%N(&QO<W,@86YD('5N96%R;F5D(&EN8V]M93PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M06-C<G5E9"!I;F-O;64@<F5C96EV86)L93PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0F%N
M:R!O=VYE9"!L:69E(&EN<W5R86YC93PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1F%I<B!V
M86QU92!O9B!S=V%P(&%S<V5T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,38T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/CQS=')O;F<^1DE.04Y#24%,($Q)04))3$E42453.B!#
M87)R>6EN9R!686QU93PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^1&5P;W-I=',@=VET:"!N;R!S=&%T960@;6%T=7)I
M=&EE<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N
M8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^1&5P;W-I=',@=VET:"!S=&%T960@;6%T
M=7)I=&EE<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P
M.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4VAO<G0M=&5R;2!B;W)R;W=I;F=S
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y!;&P@;W1H97(@8F]R<F]W:6YG<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF
M;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^06-C<G5E9"!I;G1E<F5S="!P87EA8FQE/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P
M.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y&86ER('9A;'5E(&]F('-W87`@;&EA8FEL:71Y/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,38T/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DQE=F5L(#,@6TUE;6)E<ET\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^
M1DE.04Y#24%,($%34T544SH@0V%R<GEI;F<@5F%L=64\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-A<V@@86YD(&-A
M<V@@97%U:79A;&5N=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%V86EL86)L92!F;W(@
M<V%L93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N
M8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^26YV97-T;65N="!S96-U<FET:65S("T@
M2%1-/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#DV-CQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L.30U
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E)E9W5L871O<GD@<W1O8VL\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DQO86YS(&AE
M;&0@9F]R('-A;&4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F
M;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DQO86YS+"!N970@;V8@86QL
M;W=A;F-E(&9O<B!L;V%N(&QO<W,@86YD('5N96%R;F5D(&EN8V]M93PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-S<Q+#0V,#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<Q-BPW-38\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M06-C<G5E9"!I;F-O;64@<F5C96EV86)L93PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0F%N
M:R!O=VYE9"!L:69E(&EN<W5R86YC93PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1F%I<B!V
M86QU92!O9B!S=V%P(&%S<V5T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9)3D%.0TE!3"!,24%"
M24Q)5$E%4SH@0V%R<GEI;F<@5F%L=64\+W-T<F]N9SX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D1E<&]S:71S('=I=&@@;F\@<W1A
M=&5D(&UA='5R:71I97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D1E<&]S:71S('=I=&@@
M<W1A=&5D(&UA='5R:71I97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C,Q,RPR-S(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XS,C`L.3,P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-H;W)T+71E<FT@8F]R<F]W:6YG<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F
M;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^06QL(&]T:&5R(&)O<G)O=VEN9W,\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C0P+#4Y.#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,P+#0T,CQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!8V-R=65D
M(&EN=&5R97-T('!A>6%B;&4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D9A:7(@=F%L=64@
M;V8@<W=A<"!L:6%B:6QI='D\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM
M+2TM+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W
M-C$S.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A
M.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E
M=#DR+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP
M<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U
M<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M
M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H
M87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S
M<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO
M/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,]
M,T1R97!O<G0@:60],T1)1#!%2U1!13X-"B`@("`@(#QT<CX-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N
M9SY)3D-/344@5$%815,@*%-C:&5D=6QE(&]F($5X<&5N<V4@9F]R($EN8V]M
M92!487AE<RD@*$1E=&%I;',I("A54T0@)"D\8G(^26X@5&AO=7-A;F1S+"!U
M;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0X/C,@36]N=&AS($5N9&5D
M/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#,^,3(@
M36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q,SQB<CX\+W1H
M/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y*=6XN(#,P+"`R,#$S/&)R/CPO
M=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/DUA<BX@,S$L(#(P,3,\8G(^
M/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,CQB
M<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$R
M/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/DIU;BX@,S`L(#(P
M,3(\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^36%R+B`S,2P@
M,C`Q,CQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q
M+"`R,#$S/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@
M,S$L(#(P,3(\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C
M+B`S,2P@,C`Q,3QB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^/'-T<F]N9SY)3D-/344@5$%815,@6T%B<W1R86-T73PO<W1R;VYG/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-U
M<G)E;G0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M)"`Q,SD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XD(#$T,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/B0@.34\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/D1E9F5R<F5D/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C(L,34P/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPQ,#$\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#<U.#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O=3X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN8V]M92!T
M87@@97AP96YS93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`X
M-S@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XD(#4T-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/B0@-#,T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^)"`T,S`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XD(#,Q,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-3DW/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`V-34\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#8W.#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,BPR.#D\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD
M(#(L,C0Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`R+#@U,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?
M3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C
M#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?
M-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T.3,N:'1M
M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L
M90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI
M(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS
M1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU
M=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H
M;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP
M=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R
M="!I9#TS1$E$,$4U,T%'/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA
M<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/DE.0T]-
M12!405A%4R`H4V-H961U;&4@;V8@4F5C;VYC:6QI871I;VX@0F5T=V5E;B!&
M961E<F%L(%-T871U=&]R>2!487@@4F%T92!A;F0@169F96-T:79E($EN8V]M
M92!487@@4F%T92D@*$1E=&%I;',I("A54T0@)"D\8G(^26X@5&AO=7-A;F1S
M+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0X/C,@36]N=&AS($5N
M9&5D/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#,^
M,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T
M:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q,SQB<CX\
M+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y*=6XN(#,P+"`R,#$S/&)R
M/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/DUA<BX@,S$L(#(P,3,\
M8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q
M,CQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R
M,#$R/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/DIU;BX@,S`L
M(#(P,3(\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^36%R+B`S
M,2P@,C`Q,CQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N
M(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E
M8RX@,S$L(#(P,3(\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^
M1&5C+B`S,2P@,C`Q,3QB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^/'-T<F]N9SY!34]53E0\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);F-O;64@=&%X(&5X<&5N
M<V4@8F%S960@;VX@9F5D97)A;"!S=&%T=71O<GD@<F%T93PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#(L-30T/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R+#0W-3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@
M,RPQ.3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/E1A>"!E>&5M<'0@:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6T^*#,U.2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M/B@S,34I/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,S(U*3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3W1H97(\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`T/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.#$\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q-2D\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R974^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y)
M;F-O;64@=&%X(&5X<&5N<V4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/B0@.#<X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^)"`U-#<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XD(#0S-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@-#,P/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`S,3$\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#4Y-SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-C4U/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`V-S@\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD
M(#(L,C@Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`R+#(T,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@,BPX-3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4D%413PO<W1R;VYG/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN
M8V]M92!T87@@97AP96YS92!B87-E9"!O;B!F961E<F%L('-T871U=&]R>2!R
M871E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,T
M+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C,T+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C,T+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^5&%X(&5X96UP="!I;F-O;64\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH-"XX,"4I/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH-"XS,"4I/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,RXU
M,"4I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y/=&AE<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ+C0P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$N,3`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;3XH,"XQ,"4I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F]U/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@97AP96YS92!F;W(@:6YC
M;VUE('1A>&5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C,P+C8P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C,P+C@P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C,P+C0P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-
M"BTM+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S
M,#<V,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C
M-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H
M965T.30N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D
M+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970]
M(G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T
M<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@
M8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T
M('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@
M*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S
M<STS1')E<&]R="!I9#TS1$E$,$4V24%%/@T*("`@("`@/'1R/@T*("`@("`@
M("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N/3-$,3X\<W1R
M;VYG/DE.0T]-12!405A%4R`H4V-H961U;&4@;V8@1&5F97)R960@5&%X($%S
M<V5T<R!A;F0@3&EA8FEL:71I97,I("A$971A:6QS*2`H55-$("0I/&)R/DEN
M(%1H;W5S86YD<RP@=6YL97-S(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N
M9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S
M/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P
M,3(\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O
M;F<^1$5&15)2140@5$%8($%34T544SH\+W-T<F]N9SX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!;&QO=V%N8V4@9F]R(&QO86X@;&]S
M<V5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#,L-#,W/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`T
M+#(W-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^56YF=6YD960@8V]M;6ET;65N="!R97-E<G9E/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XR-C0\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,C$\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!R96UI<V5S(&%N9"!E<75I
M<&UE;G0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L.#,R/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PV
M,C8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D%C8W)U960@<&5N<VEO;B!O8FQI9V%T:6]N/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ+#0V,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C(L.3$V/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.970@;W!E<F%T:6YG(&QO
M<W,@8V%R<GEF;W)W87)D<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,2PS,#<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XR+#@X,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^06QT97)N871I=F4@;6EN:6UU;2!T87@@8W)E9&ET
M<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PW-#D\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#8S-3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M3W1H97(\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,Y,SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,V.#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/E1O=&%L('1A>"!A<W-E=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$P+#0T-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$S+#DR,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY$149%4E)%1"!405@@3$E!0DE,
M251)15,Z/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^26YV97-T;65N="!A8V-R971I;VX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6T^*#$X*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6T^*#(X*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^56YR96%L:7IE9"!I;G9E<W1M96YT('-E
M8W5R:71Y(&=A:6YS/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@U
M-#4I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;3XH,BPQ,S,I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y/=&AE<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;3XH,S`Y*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6T^*#(Y-2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;W4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y4;W1A;"!T87@@;&EA8FEL:71I97,\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6T^*#@W,BD\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@R+#0U-BD\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.970@9&5F97)R
M960@=&%X(&%S<V5T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD
M(#DL-3<R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`Q,2PT-C<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]
M7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V
M8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A.5\T-C`P
M7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E=#DU+FAT
M;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B
M;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I
M:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78]
M,T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]
M=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13
M:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I
M<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O
M<G0@:60],T1)1#!%2TI!0SX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L
M87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY)3D-/
M344@5$%815,@*%-C:&5D=6QE(&]F($-H86YG92!I;B!.970@1&5F97)R960@
M5&%X($%S<V5T<R!A;F0@3&EA8FEL:71I97,I("A$971A:6QS*2`H55-$("0I
M/&)R/DEN(%1H;W5S86YD<RP@=6YL97-S(&]T:&5R=VES92!S<&5C:69I960\
M+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N
M/3-$,SXQ,B!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB
M<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$R
M/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P
M,3$\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O
M;F<^24Y#3TU%(%1!6$53(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^56YR96%L:7IE9"!G86EN<R!R
M96-O9VYI>F5D(&EN(&-O;7!R96AE;G-I=F4@:6YC;VUE/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XD(#$L-3DU/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q-C(\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y096YS:6]N(&]B
M;&EG871I;VX@;V8@=&AE(&1E9FEN960@8F5N969I="!P;&%N(&YO="!Y970@
M<F5C;V=N:7IE9"!I;B!I;F-O;64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6T^*#$L,S0P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C<R-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C8Q,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^1&5F97)R960@<')O=FES:6]N(&9O<B!I
M;F-O;64@=&%X97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#(L
M,34P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6T^*#(L,3`Q*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6T^*#(L-S4X*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/DYE="`H9&5C<F5A<V4I/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M/B0@*#$L.#DU*3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^)"`H,2PR,30I/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O
M9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P
M,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F
M:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V
M8R]7;W)K<VAE971S+U-H965T.38N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%
M;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT
M+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^
M#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT
M/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$
M=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V
M92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*
M("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$552#X-"B`@("`@
M(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W
M<W!A;CTS1#(^/'-T<F]N9SY)3D-/344@5$%815,@*$YA<G)A=&EV92D@*$1E
M=&%I;',I("A54T0@)"D\8G(^26X@5&AO=7-A;F1S+"!U;FQE<W,@;W1H97)W
M:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1H(&-O;'-P86X],T0Q/C$R($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$
M96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/DE.0T]-12!405A%4R!;06)S=')A8W1=/"]S=')O;F<^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!;'1E<FYA=&EV
M92!M:6YI;75M('1A>"!C<F5D:70@8V%R<GEF;W)W87)D<SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+#<P,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T(&]P97)A=&EN9R!L
M;W-S(&-A<G)Y9F]R=V%R9',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/B0@,RPX,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/DYE="!O<&5R871I;F<@;&]S<R!C87)R>69O<G=A<F1S
M+"!E>'!I<F%T:6]N(&1A=&4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/DIA;B`Q+`T*"0DR,#(U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM
M+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q
M,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?
M-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970Y
M-RYH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I
M;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M
M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q
M=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R
M<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C
M/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO
M<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$
M<F5P;W)T(&ED/3-$240P13%&0D<^#0H@("`@("`\='(^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^
M14U03$]9144@0D5.149)5"!03$%.4R`H3F%R<F%T:79E*2`H1&5T86EL<RD@
M*%531"`D*3QB<CY);B!4:&]U<V%N9',L('5N;&5S<R!O=&AE<G=I<V4@<W!E
M8VEF:65D/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@
M8V]L<W!A;CTS1#0^,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X]
M,T0R/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S
M/3-$=&@^1&5C+B`S,2P@,C`Q,CQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA
M<W,],T1T:#Y$96,N(#,Q+"`R,#$Q/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#X\<W1R;VYG/E!%3E-)3TX@4$Q!3E,Z/"]S=')O;F<^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&9N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5S=&EM871E9"!N970@;&]S<R!T:&%T
M('=I;&P@8F4@86UO<G1I>F5D(&9R;VT@86-C=6UU;&%T960@;W1H97(@8V]M
M<')E:&5N<VEV92!I;F-O;64@*&QO<W,I/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XD(#8X,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1F;CX\<W5P/ELQ73PO<W5P/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/D5S=&EM871E9"!P<FEO<B!S97)V:6-E(&-O
M<W0@=&AA="!W:6QL(&)E(&%M;W)T:7IE9"!F<F]M(&%C8W5M=6QA=&5D(&]T
M:&5R(&-O;7!R96AE;G-I=F4@:6YC;VUE("AL;W-S*3PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;3XH,3`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&9N/CQS=7`^6S%=/"]S=7`^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5')A;G-I=&EO;B!A<W-E=#PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH-"D\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$9FX^/'-U<#Y;,5T\+W-U<#X\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/C0P,2AK
M*2!03$%..CPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1F
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;VYT<FEB
M=71I;VYS('1O(&-H87)G960@=&\@;W!E<F%T:6]N<SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,S(W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&9N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,C<W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^16UP;&]Y97(@;6%T8V@@<&5R8V5N=&%G93PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-BXP,"4\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$9FX^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XR+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/DUA>&EM=6T@<&5R8V5N="!O9B!S86QA
M<GD\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,N,#`E/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&9N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2XP,"4\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;VYT<FEB=71I;VX@
M9F]R('5N:6]N(&UE;6)E<G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C0N,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&9N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-"XP,"4\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y!;65R:5-E<G8@1FEN86YC:6%L+"!);F,N(&-O;6UO;B!S=&]C:R!A;F0@
M5')U<W0@4')E9F5R<F5D('-E8W5R:71I97,@:&5L9#PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^.#`R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&9N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E!E;G-I;VX@4&QA;G,L($1E9FEN960@0F5N969I="!;365M
M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1F;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E!%3E-)3TX@4$Q!
M3E,Z/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&9N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DUI;FEM=6T@;G5M
M8F5R(&]F(&%N;G5A;"!H;W5R<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,2PP,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$9FX^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M5F5S=&EN9R!T97)M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M-2!Y96%R<SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1F;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!;65R
M:5-E<G8@1FEN86YC:6%L+"!);F,N(&-O;6UO;B!S=&]C:R!H96QD/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV,S$\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$9FX^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^36%X:6UU;2!P97)C96YT(&]F('!L86X@87-S
M971S(&-O;7!R:7-E9"!O9B!!;65R:5-E<G8@1FEN86YC:6%L+"!);F,N(&-O
M;6UO;B!S=&]C:SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`N
M,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&9N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!E<F-E;G0@
M;V8@<&QA;B!A<W-E=',@8V]M<')I<V5D(&]F(&-O;6UO;B!S=&]C:SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BXT,"4\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$9FX^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^17-T:6UA=&5D(&YE="!L;W-S('1H870@
M=VEL;"!B92!A;6]R=&EZ960@9G)O;2!A8V-U;75L871E9"!O=&AE<B!C;VUP
M<F5H96YS:79E(&EN8V]M92`H;&]S<RD\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$L,#@U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&9N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D5S=&EM871E9"!P<FEO<B!S97)V:6-E(&-O<W0@=&AA="!W:6QL(&)E
M(&%M;W)T:7IE9"!F<F]M(&%C8W5M=6QA=&5D(&]T:&5R(&-O;7!R96AE;G-I
M=F4@:6YC;VUE("AL;W-S*3PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;3XH,3DI/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&9N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5X<&5C
M=&5D(')E='5R;B!O;B!P;&%N(&%S<V5T<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^."XP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$9FX^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XX+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C@N,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y%>'!E8W1E9"!C;VYT<FEB=71I;VX@:6X@,C`Q-#PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R+#`P,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1F;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y096YS:6]N(%!L86YS+"!$969I
M;F5D($)E;F5F:70@6TUE;6)E<ET@?"!$;VUE<W1I8R!%<75I=&EE<R!;365M
M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1F;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E!%3E-)3TX@4$Q!
M3E,Z/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&9N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1A<F=E="!A;&QO
M8V%T:6]N/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV,"XP,"4\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$9FX^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&%R9V5T(&%L;&]C
M871I;VXL(&UI;FEM=6T\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C4P+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1F;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y487)G
M970@86QL;V-A=&EO;BP@;6%X:6UU;3PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-C`N,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&9N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E!E;G-I;VX@4&QA;G,L($1E9FEN960@0F5N969I="!;365M8F5R72!\
M($9I>&5D($EN8V]M92!396-U<FET:65S(%M-96UB97)=/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&9N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/CQS=')O;F<^4$5.4TE/3B!03$%.4SH\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$9FX^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^5&%R9V5T(&%L;&]C871I;VXL(&UI;FEM=6T\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0P+C`P)3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1F;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y487)G970@86QL;V-A=&EO;BP@
M;6%X:6UU;3PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-3`N,#`E
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&9N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT9"!C
M;VQS<&%N/3-$-3X\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1&EN;F5R1F]O=&YO=&4^#0H@("`@("`@(#QT9"!V86QI9VX],T1T;W`^
M6S%=/"]T9#X-"B`@("`@("`@/'1D(&-O;'-P86X],T0T('9A;&EG;CTS1'1O
M<#Y4:&5S92!A8V-U;75L871E9"!O=&AE<B!C;VUP<F5H96YS:79E(&QO<W,@
M8V]M<&]N96YT<R!A<F4@:6YC;'5D960@:6X@=&AE(&-O;7!U=&%T:6]N(&]F
M(&YE="!P97)I;V1I8R!B96YE9FET(&-O<W0@*'-E92!.;W1E(#$T(&9O<B!A
M9&1I=&EO;F%L(&1E=&%I;',I+CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO
M=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R
M=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E
M;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR
M,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970Y."YH=&UL#0I#;VYT
M96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT
M96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH
M=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N
M="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\
M<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO
M*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A
M9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$
M240P14Y8044^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L
M(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^14U03$]9144@0D5.
M149)5"!03$%.4R`H4V-H961U;&4@;V8@0VAA;F=E<R!I;B!"96YE9FET($]B
M;&EG871I;VYS(&%N9"!0;&%N($%S<V5T<R!A;F0@1G5N9&5D(%-T871U<RD@
M*$1E=&%I;',I("A096YS:6]N(%!L86YS+"!$969I;F5D($)E;F5F:70@6TUE
M;6)E<ETL(%531"`D*3QB<CY);B!4:&]U<V%N9',L('5N;&5S<R!O=&AE<G=I
M<V4@<W!E8VEF:65D/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S
M/3-$=&@@8V]L<W!A;CTS1#,^,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E
M8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^
M1&5C+B`S,2P@,C`Q,CQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T
M:#Y$96,N(#,Q+"`R,#$Q/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y096YS:6]N(%!L86YS+"!$969I;F5D($)E;F5F:70@6TUE;6)E
M<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N
M9SY#2$%.1T4@24X@0D5.149)5"!/0DQ)1T%424]..CPO<W1R;VYG/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y"96YE9FET(&]B;&EG
M871I;VX@870@8F5G:6YN:6YG(&]F('EE87(\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@,CDL.#0T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R-2PW,#D\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y397)V:6-E(&-O<W0\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L-S`S/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PU.3,\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#,S
M-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^26YT97)E<W0@8V]S=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,2PQ.#D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ+#(S-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C$L,3DX/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y!8W1U87)I86P@*&=A:6XI(&QO<W,\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#<U-RD\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#@X,CQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D)E;F5F
M:71S('!A:60\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$L-S,P
M*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^
M*#$L-3<T*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D)E;F5F:70@;V)L:6=A=&EO;B!A="!E;F0@;V8@>65A<CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S`L,C0Y/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,CDL.#0T/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C4L
M-S`Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/D-(04Y'12!)3B!03$%.($%34T544SH\+W-T<F]N9SX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1F%I<B!V86QU
M92!O9B!P;&%N(&%S<V5T<R!A="!B96=I;FYI;F<@;V8@>65A<CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C$L,S8X/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3@L,3@P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^06-T=6%L
M(')E='5R;B!O;B!P;&%N(&%S<V5T<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,RPX-3`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XR+#$V,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5M<&QO>65R(&-O;G1R:6)U=&EO;G,\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L.#`P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPV,#`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y"
M96YE9FET<R!P86ED/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q
M+#<S,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B@Q+#4W-"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y&86ER('9A;'5E(&]F('!L86X@87-S971S(&%T(&5N
M9"!O9B!Y96%R/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR-BPR
M.#@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XR,2PS-C@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ."PQ.#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y&=6YD960@<W1A='5S(&]F('1H92!P;&%N+75N
M9&5R(&9U;F1E9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XD("@S
M+#DV,2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B0@*#@L-#<V*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]
M7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V
M8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A.5\T-C`P
M7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E=#DY+FAT
M;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B
M;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I
M:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78]
M,T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]
M=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13
M:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I
M<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O
M<G0@:60],T1)1#!%04Q!0SX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L
M87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#$^/'-T<F]N9SY%35!,
M3UE%12!"14Y%1DE4(%!,04Y3("A38VAE9'5L92!O9B!!;6]U;G1S($YO="!9
M970@4F5C;V=N:7IE9"!A<R!A($-O;7!O;F5N="!O9B!.970@4&5R:6]D:6,@
M4&5N<VEO;B!#;W-T*2`H1&5T86EL<RD@*%!E;G-I;VX@4&QA;G,L($1E9FEN
M960@0F5N969I="!;365M8F5R72P@55-$("0I/&)R/DEN(%1H;W5S86YD<RP@
M=6YL97-S(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3(\8G(^/"]T:#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!E;G-I;VX@4&QA;G,L($1E
M9FEN960@0F5N969I="!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/CQS=')O;F<^06UO=6YT<R!R96-O9VYI>F5D(&EN(&%C
M8W5M=6QA=&5D(&]T:&5R(&-O;7!R96AE;G-I=F4@;&]S<R!C;VYS:7-T<R!O
M9CH\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y4<F%N<VET:6]N(&%S<V5T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;3XD("@X*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4')I;W(@<V5R=FEC92!C;W-T/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q.2D\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@S."D\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!A8W1U
M87)I86P@;&]S<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`L
M,3`W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,30L,S$U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^5&]T86P\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/B0@,3`L,#@X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^)"`Q-"PR-CD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM
M+2TM+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W
M-C$S.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A
M.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E
M=#$P,"YH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M
M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB
M=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P
M+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C
M:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@
M<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J
M+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S
M/3-$<F5P;W)T(&ED/3-$240P14%&04,^#0H@("`@("`\='(^#0H@("`@("`@
M(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0Q/CQS=')O
M;F<^14U03$]9144@0D5.149)5"!03$%.4R`H4V-H961U;&4@;V8@06-C=6UU
M;&%T960@0F5N969I="!/8FQI9V%T:6]N*2`H1&5T86EL<RD@*%!E;G-I;VX@
M4&QA;G,L($1E9FEN960@0F5N969I="!;365M8F5R72P@55-$("0I/&)R/DEN
M(%1H;W5S86YD<RP@=6YL97-S(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N
M9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S
M/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P
M,3(\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!E;G-I
M;VX@4&QA;G,L($1E9FEN960@0F5N969I="!;365M8F5R73PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4$5.4TE/3B!03$%.
M4SH\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y!8V-U;75L871E9"!B96YE9FET(&]B;&EG871I;VX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@,C<L-38V/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R-BPV-C(\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y
M/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?
M-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL
M93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O
M5V]R:W-H965T<R]3:&5E=#$P,2YH=&UL#0I#;VYT96YT+51R86YS9F5R+45N
M8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O
M:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-
M"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0]
M,T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T
M97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E
M(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@
M("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P14%(04,^#0H@("`@
M("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O
M=W-P86X],T0Q/CQS=')O;F<^14U03$]9144@0D5.149)5"!03$%.4R`H4V-H
M961U;&4@;V8@5V5I9VAT960@079E<F%G92!!<W-U;7!T:6]N<R!5<V5D('1O
M($1E=&5R;6EN92!"96YE9FET($]B;&EG871I;VYS*2`H1&5T86EL<RD@*%!E
M;G-I;VX@4&QA;G,L($1E9FEN960@0F5N969I="!;365M8F5R72D\8G(^/"]S
M=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@
M,C`Q,SQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q
M+"`R,#$R/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y0
M96YS:6]N(%!L86YS+"!$969I;F5D($)E;F5F:70@6TUE;6)E<ET\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E=%24=(5$5$
M($%615)!1T4@05-354U05$E/3E,Z/"]S=')O;F<^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^1&ES8V]U;G0@<F%T93PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^-"XU,"4\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT+C`P)3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4V%L87)Y('-C86QE
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+C4P)3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(N-3`E/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@
M(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A
M.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I
M;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V
M,3,Y,39C+U=O<FMS:&5E=',O4VAE970Q,#(N:'1M;`T*0V]N=&5N="U4<F%N
M<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E
M.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@
M/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C
M;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T
M>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T
M(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB
M;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$5*24%%
M/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N
M/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/D5-4$Q/645%($)%3D5&250@4$Q!
M3E,@*%-C:&5D=6QE(&]F($-O;7!O;F5N=',@;V8@3F5T(%!E<FEO9&EC($)E
M;F5F:70@0V]S="D@*$1E=&%I;',I("A096YS:6]N(%!L86YS+"!$969I;F5D
M($)E;F5F:70@6TUE;6)E<ETL(%531"`D*3QB<CY);B!4:&]U<V%N9',L('5N
M;&5S<R!O=&AE<G=I<V4@<W!E8VEF:65D/"]S=')O;F<^/"]T:#X-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#,^,3(@36]N=&AS($5N9&5D
M/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@("`@/'1H
M(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,CQB<CX\+W1H/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$Q/&)R/CPO=&@^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y096YS:6]N(%!L86YS+"!$969I;F5D($)E
M;F5F:70@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^/'-T<F]N9SY#3TU03TY%3E13($]&($Y%5"!015))3T1)0R!"14Y%
M1DE4($-/4U0Z/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E-E<G9I8V4@8V]S=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^)"`Q+#<P,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/B0@,2PU.3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$L,S,U/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G1E<F5S="!C;W-T
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#$X.3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,C,T/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PQ
M.3@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/D5X<&5C=&5D(')E='5R;B!O;B!P;&%N(&%S<V5T<SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;3XH,2PW-S4I/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,2PV-38I/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,2PU.#(I/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!;6]R
M=&EZ871I;VX@;V8@<')I;W(@>65A<B!S97)V:6-E(&-O<W0\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6T^*#$Y*3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$Y*3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%M;W)T:7IA=&EO;B!O
M9B!T<F%N<VET:6]N(&%S<V5T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B@X*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6T^*#$W*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6T^*#$W*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^4F5C;V=N:7IE9"!N970@86-T=6%R:6%L(&QO<W,\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,S<U/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PP.30\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XX,#`\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R974^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y.970@<&5R:6]D:6,@<&5N<VEO;B!C;W-T/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XD(#(L-#8U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R+#(R.3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,2PW-#$\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y
M/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?
M-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL
M93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O
M5V]R:W-H965T<R]3:&5E=#$P,RYH=&UL#0I#;VYT96YT+51R86YS9F5R+45N
M8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O
M:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-
M"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0]
M,T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T
M97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E
M(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@
M("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P139+044^#0H@("`@
M("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O
M=W-P86X],T0R/CQS=')O;F<^14U03$]9144@0D5.149)5"!03$%.4R`H4V-H
M961U;&4@;V8@3W1H97(@0VAA;F=E<R!I;B!0;&%N($%S<V5T<R!A;F0@0F5N
M969I="!/8FQI9V%T:6]N<R!296-O9VYI>F5D(&EN($]T:&5R($-O;7!R96AE
M;G-I=F4@26YC;VUE("A,;W-S*2D@*$1E=&%I;',I("A54T0@)"D\8G(^26X@
M5&AO=7-A;F1S+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG
M/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0T/C$R
M($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,CY$96,N(#,Q+"`R
M,#$S/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L
M(#(P,3(\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S
M,2P@,C`Q,3QB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M/'-T<F]N9SY/5$A%4B!#2$%.1T53($E.(%!,04X@05-31513($%.1"!"14Y%
M1DE4($]"3$E'051)3TY3(%)%0T]'3DE:140@24X@3U1(15(@0T]-4%)%2$5.
M4TE612!)3D-/344@*$Q/4U,I/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&9N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E)E8V]G;FEZ960@;&]S<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`V-CD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$9FX^/'-U<#Y;,5T\+W-U<#X\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y096YS:6]N(%!L86YS+"!$969I;F5D($)E;F5F:70@
M6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$9FX^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY/5$A%4B!#
M2$%.1T53($E.(%!,04X@05-31513($%.1"!"14Y%1DE4($]"3$E'051)3TY3
M(%)%0T]'3DE:140@24X@3U1(15(@0T]-4%)%2$5.4TE612!)3D-/344@*$Q/
M4U,I/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&9N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="`H9V%I;BD@
M;&]S<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,BPX,S(I/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&9N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPS-S8\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS+#`Y,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4F5C;V=N
M:7IE9"!L;W-S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q+#,W
M-2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$9FX^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q+#`Y-"D\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@X,#`I/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y2
M96-O9VYI>F5D('!R:6]R('-E<G9I8V4@8V]S=#PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,3D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$9FX^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XQ.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6T^*#<I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y296-O9VYI>F5D(&YE="!I;FET:6%L(&%S<V5T/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XX/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&9N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E1O=&%L(')E8V]G;FEZ960@:6X@;W1H97(@8V]M
M<')E:&5N<VEV92!L;W-S(&)E9F]R92!T87@@969F96-T/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M/B@T+#$X,"D\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$9FX^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ+#,Q.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C(L,S`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F]U/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@<F5C;V=N:7IE9"!I;B!N
M970@8F5N969I="!C;W-T(&%N9"!O=&AE<B!C;VUP<F5H96YS:79E(&QO<W,@
M8F5F;W)E('1A>"!E9F9E8W0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6T^)"`H,2PW,34I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&9N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`S
M+#4T-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/B0@-"PP-#$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(^#0H@("`@("`@(#QT9"!C;VQS<&%N/3-$-3X\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1&EN;F5R1F]O=&YO=&4^#0H@
M("`@("`@(#QT9"!V86QI9VX],T1T;W`^6S%=/"]T9#X-"B`@("`@("`@/'1D
M(&-O;'-P86X],T0T('9A;&EG;CTS1'1O<#Y4:&5S92!A8V-U;75L871E9"!O
M=&AE<B!C;VUP<F5H96YS:79E(&QO<W,@8V]M<&]N96YT<R!A<F4@:6YC;'5D
M960@:6X@=&AE(&-O;7!U=&%T:6]N(&]F(&YE="!P97)I;V1I8R!B96YE9FET
M(&-O<W0@*'-E92!.;W1E(#$T(&9O<B!A9&1I=&EO;F%L(&1E=&%I;',I+CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO8F]D>3X-"CPO
M:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T-C`P7S0Y-SA?
M.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ(&9I;&4Z+R\O
M0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C+U=O<FMS
M:&5E=',O4VAE970Q,#0N:'1M;`T*0V]N=&5N="U4<F%N<V9E<BU%;F-O9&EN
M9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T97AT+VAT;6P[
M(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE860^#0H@("`@
M/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT96YT/3-$)W1E
M>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E/3-$=&5X="]J
M879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E;6]V92!4:&ES
M($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y/@T*("`@(#QT
M86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$5%3T%#/@T*("`@("`@/'1R
M/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$,2!R;W=S<&%N
M/3-$,CX\<W1R;VYG/D5-4$Q/645%($)%3D5&250@4$Q!3E,@*%-C:&5D=6QE
M(&]F(%=E:6=H=&5D($%V97)A9V4@07-S=6UP=&EO;G,@57-E9"!T;R!$971E
M<FUI;F4@3F5T(%!E<FEO9&EC($)E;F5F:70@0V]S="D@*$1E=&%I;',I("A0
M96YS:6]N(%!L86YS+"!$969I;F5D($)E;F5F:70@6TUE;6)E<ETI/&)R/CPO
M<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X]
M,T0S/C$R($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R
M/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3(\
M8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q
M,3QB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4&5N<VEO
M;B!0;&%N<RP@1&5F:6YE9"!"96YE9FET(%M-96UB97)=/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^5T5)1TA4140@059%
M4D%'12!!4U-535!424].4SH\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^1&ES8V]U;G0@<F%T93PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^-"XP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XT+C<U)3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4N,C4E/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%>'!E8W1E9"!R
M971U<FX@;VX@<&QA;B!A<W-E=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C@N,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^."XP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XX+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4F%T92!O9B!C;VUP96YS871I;VX@
M:6YC<F5A<V4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(N-3`E
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,BXU,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XR+C4P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X
M=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#
M;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW
M.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T,3`U+FAT;6P-
M"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-
M"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-
M"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#
M;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F
M+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W
M+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^
M/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@
M:60],T1)1#!%131!13X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S
M/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#$^/'-T<F]N9SY%35!,3UE%
M12!"14Y%1DE4(%!,04Y3("A38VAE9'5L92!O9B!0;&%N)W,@07-S970@06QL
M;V-A=&EO;G,I("A$971A:6QS*2`H4&5N<VEO;B!0;&%N<RP@1&5F:6YE9"!"
M96YE9FET(%M-96UB97)=*3QB<CX\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\
M=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`@
M(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3(\8G(^/"]T:#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4$Q!3B!!4U-%5%,Z/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^07-S
M970@86QL;V-A=&EO;G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$P,"XP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ,#`N,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y#87-H(&%N9"!#87-H($5Q=6EV86QE;G1S(%M-
M96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T
M<F]N9SY03$%.($%34T544SH\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y!<W-E="!A;&QO8V%T:6]N<SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,"XP,"4\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XP+C`P)3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1&]M97-T:6,@17%U
M:71I97,@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/E!,04X@05-31513.CPO<W1R;VYG/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%S<V5T(&%L;&]C871I;VYS/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,"XP,"4\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,BXP,"4\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DUU
M='5A;"!&=6YD<R]%5$9S(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^/'-T<F]N9SY03$%.($%34T544SH\+W-T<F]N9SX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!<W-E="!A;&QO
M8V%T:6]N<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-SDN,#`E
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-C,N,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y);G1E<FYA=&EO;F%L($5Q=6ET>2!396-U<FET:65S(%M-96UB
M97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N
M9SY03$%.($%34T544SH\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y!<W-E="!A;&QO8V%T:6]N<SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^-BXP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+C`P)3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V]R<&]R871E($)O;F1S
M(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M/'-T<F]N9SY03$%.($%34T544SH\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y!<W-E="!A;&QO8V%T:6]N<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-2XP,"4\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,RXP,"4\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y
M/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?
M-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL
M93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O
M5V]R:W-H965T<R]3:&5E=#$P-BYH=&UL#0I#;VYT96YT+51R86YS9F5R+45N
M8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O
M:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-
M"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0]
M,T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T
M97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E
M(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@
M("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P135+04<^#0H@("`@
M("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O
M=W-P86X],T0Q/CQS=')O;F<^14U03$]9144@0D5.149)5"!03$%.4R`H4V-H
M961U;&4@;V8@07-S971S($UE87-U<F5D(&%T($9A:7(@5F%L=64I("A$971A
M:6QS*2`H4&5N<VEO;B!0;&%N<RP@1&5F:6YE9"!"96YE9FET(%M-96UB97)=
M+"!54T0@)"D\8G(^26X@5&AO=7-A;F1S+"!U;FQE<W,@;W1H97)W:7-E('-P
M96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H
M/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&@^1&5C+B`S,2P@,C`Q,CQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T:#Y$96,N(#,Q+"`R,#$Q/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#X\<W1R;VYG/E!,04X@05-31513.CPO<W1R;VYG/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y&86ER('9A;'5E(&]F
M('!L86X@87-S971S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD
M(#(V+#(X.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/B0@,C$L,S8X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^)"`Q."PQ.#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-A<V@@86YD($-A<V@@17%U:79A
M;&5N=',@6TUE;6)E<ET@?"!,979E;"`Q(%M-96UB97)=/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4$Q!3B!!4U-%5%,Z
M/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D9A:7(@=F%L=64@;V8@<&QA;B!A<W-E=',\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1&]M
M97-T:6,@17%U:71I97,@6TUE;6)E<ET@?"!,979E;"`Q(%M-96UB97)=/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4$Q!
M3B!!4U-%5%,Z/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/D9A:7(@=F%L=64@;V8@<&QA;B!A<W-E=',\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C(L-S0Q/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-"PW,S$\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y-=71U86P@1G5N
M9',O151&<R!;365M8F5R72!\($QE=F5L(#$@6TUE;6)E<ET\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY03$%.($%34T54
M4SH\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^1F%I<B!V86QU92!O9B!P;&%N(&%S<V5T<SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,C`L-S0T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,3,L-38V/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YT97)N871I;VYA;"!%
M<75I='D@4V5C=7)I=&EE<R!;365M8F5R72!\($QE=F5L(#$@6TUE;6)E<ET\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY0
M3$%.($%34T544SH\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^1F%I<B!V86QU92!O9B!P;&%N(&%S<V5T<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PT-S@\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS,S8\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;W)P;W)A=&4@
M0F]N9',@6TUE;6)E<ET@?"!,979E;"`R(%M-96UB97)=/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4$Q!3B!!4U-%5%,Z
M/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D9A:7(@=F%L=64@;V8@<&QA;B!A<W-E=',\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@,2PS,C4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XD(#(L-S,U/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT
M;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR
M,#A?-S0S,#<V,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z
M+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE
M971S+U-H965T,3`W+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z
M('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C
M:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-
M151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT
M+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V
M87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#
M;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B
M;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%5DE!0SX-"B`@("`@(#QT<CX-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS
M1#$^/'-T<F]N9SY%35!,3UE%12!"14Y%1DE4(%!,04Y3("A38VAE9'5L92!O
M9B!%<W1I;6%T960@1G5T=7)E($)E;F5F:70@4&%Y;65N=',I("A$971A:6QS
M*2`H4&5N<VEO;B!0;&%N<RP@1&5F:6YE9"!"96YE9FET(%M-96UB97)=+"!5
M4T0@)"D\8G(^26X@5&AO=7-A;F1S+"!U;FQE<W,@;W1H97)W:7-E('-P96-I
M9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E
M8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E!E;G-I;VX@4&QA;G,L($1E9FEN960@0F5N969I="!;365M8F5R73PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY%4U1)
M34%4140@1E5455)%($)%3D5&250@4$%9345.5%,\+W-T<F]N9SX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/C(P,30\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@,BPT-#0\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/C(P,34\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C(L,C8X/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#XR,#$V/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XR+#<U,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^,C`Q-SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,BPX,#D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/C(P,3@\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C(L-#,P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#XR,#$Y+2`R,#(S/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XD(#$T+#(P,#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^
M#0H-"BTM+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?
M-S0S,#<V,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R
M,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S
M+U-H965T,3`X+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U
M;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R
M<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!
M(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT
M;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C
M<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM
M96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@
M8VQA<W,],T1R97!O<G0@:60],T1)1#!%-D%!13X-"B`@("`@(#QT<CX-"B`@
M("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^
M/'-T<F]N9SY,14%312!#3TU-251-14Y44R`H1&5T86EL<RD@*%531"`D*3QB
M<CY);B!4:&]U<V%N9',L('5N;&5S<R!O=&AE<G=I<V4@<W!E8VEF:65D/"]S
M=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS
M1#,^,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^
M/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,CQB
M<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$Q
M/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG
M/D955%5212!-24Y)355-($Q%05-%(%!!64U%3E13/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/C(P,30\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-S$R/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/C(P,34\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C8X,CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#XR,#$V/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XV,C4\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^,C`Q-SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^-3$Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/C(P,3@\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C,V-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#XR,#$Y(&%N9"!T:&5R96%F=&5R/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#DS,3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y296YT(&5X
M<&5N<V4@:6YC;'5D960@:6X@=&]T86P@;F]N+6EN=&5R97-T(&5X<&5N<V4\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-S8T/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`W.#4\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#8V
M-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE
M/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.#(S
M,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT96YT+4QO
M8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T
M,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T,3`Y+FAT;6P-"D-O;G1E;G0M
M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M
M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^
M#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y
M<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I
M<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O
M($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*
M("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%
M5U%!13X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L
M<W!A;CTS1#$@<F]W<W!A;CTS1#$^/'-T<F]N9SY#3TU-251-14Y44R!!3D0@
M0T].5$E.1T5.5"!,24%"24Q)5$E%4R`H1&5T86EL<RD@*%531"`D*3QB<CY)
M;B!4:&]U<V%N9',L('5N;&5S<R!O=&AE<G=I<V4@<W!E8VEF:65D/"]S=')O
M;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q
M,SQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R
M,#$R/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L
M(#(P,3,\8G(^0V]M;6ET;65N=',@5&\@17AT96YD($-R961I="!;365M8F5R
M73QB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R
M,#$R/&)R/D-O;6UI=&UE;G1S(%1O($5X=&5N9"!#<F5D:70@6TUE;6)E<ET\
M8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q
M,SQB<CY3=&%N9&)Y($QE='1E<G,@3V8@0W)E9&ET(%M-96UB97)=/&)R/CPO
M=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3(\8G(^
M4W1A;F1B>2!,971T97)S($]F($-R961I="!;365M8F5R73QB<CX\+W1H/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/E-T86YD
M8GD@3&5T=&5R<R!/9B!#<F5D:70@6TUE;6)E<ET\8G(^36EN:6UU;2!;365M
M8F5R73QB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q
M+"`R,#$S/&)R/E-T86YD8GD@3&5T=&5R<R!/9B!#<F5D:70@6TUE;6)E<ET\
M8G(^36%X:6UU;2!;365M8F5R73QB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^/'-T<F]N9SY,;W-S($-O;G1I;F=E;F-I97,@6TQI;F4@
M271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^06UO=6YT(&]F(&-O;6UI=&UE;G0\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q-#8L,#`X/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q,S(L.#`T/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q,RPR
M,CD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XD(#$Q+#,V-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y497)M(&]F(&-O;6UI=&UE;G0\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<Q('EE87(\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG,B!Y96%R<SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^06UO
M=6YT(&]F(&-O;6UI=&UE;G1S('-E8W5R960\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XS+#DP,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C0L,C`P/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-A<G)Y:6YG('9A;'5E
M(&]F(&-O;6UI=&UE;G0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/B0@-S<V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`V-#@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM
M+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S
M.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A.5\T
M-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E=#$Q
M,"YH=&UL#0I#;VYT96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I
M;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M
M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q
M=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R
M<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C
M/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO
M<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$
M<F5P;W)T(&ED/3-$240P14I:044^#0H@("`@("`\='(^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^
M4%)%1D524D5$(%-43T-+("A38VAE9'5L92!O9B!0<F5F97)R960@1&EV:61E
M;F0@4W1O8VL@4&5R:6]D($%N;G5A;&EZ960I("A$971A:6QS*2`H4V5R:65S
M($4@4')E9F5R<F5D(%-T;V-K(%M-96UB97)=*3QB<CX\+W-T<F]N9SX\+W1H
M/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,3XQ($UO;G1H
M<R!%;F1E9#PO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X]
M,T0S/C$R($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1H(&-O;'-P86X],T0Q/C$@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#D^,3(@36]N=&AS($5N9&5D/"]T
M:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1H/D%U9RX@,3$L(#(P,3$\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L
M87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CY497)M(#$@6TUE;6)E<ET\8G(^
M/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#(^1&5C
M+B`S,2P@,C`Q,SQB<CY497)M(#0@6TUE;6)E<ET\8G(^/"]T:#X-"B`@("`@
M("`@/'1H(&-L87-S/3-$=&@^075G+B`Q,2P@,C`Q,3QB<CY-:6YI;75M(%M-
M96UB97)=/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@
M,S$L(#(P,3,\8G(^36EN:6UU;2!;365M8F5R73QB<CY497)M(#$@6TUE;6)E
M<ET\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@
M,C`Q,SQB<CY-:6YI;75M(%M-96UB97)=/&)R/E1E<FT@,B!;365M8F5R73QB
M<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,CY$
M96,N(#,Q+"`R,#$S/&)R/DUI;FEM=6T@6TUE;6)E<ET\8G(^5&5R;2`S(%M-
M96UB97)=/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@
M,S$L(#(P,3,\8G(^36EN:6UU;2!;365M8F5R73QB<CY497)M(#0@6TUE;6)E
M<ET\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@
M,C`Q,SQB<CY-87AI;75M(%M-96UB97)=/&)R/E1E<FT@,2!;365M8F5R73QB
M<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S
M/&)R/DUA>&EM=6T@6TUE;6)E<ET\8G(^5&5R;2`R(%M-96UB97)=/&)R/CPO
M=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0R/D1E8RX@
M,S$L(#(P,3,\8G(^36%X:6UU;2!;365M8F5R73QB<CY497)M(#,@6TUE;6)E
M<ET\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O
M;F<^4')E9F5R<F5D(%-T;V-K(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&9N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1F;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$9FX^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%N;G5A
M;&EZ960@1&EV:61E;F0@4F%T93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^-2XP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XU+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/CDN,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&9N/CQS=7`^6S%=/"]S=7`^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+C`P)3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$N,#`E/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&9N/CQS=7`^6S)=/"]S
M=7`^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4N,#`E/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-RXP
M,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$9FX^
M/'-U<#Y;,ET\+W-U<#X\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^1&EV:61E;F0@06YN=6%L:7IE9"!097)I;V0\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1F;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#Y!=6<@,3$L#0H)"3(P,3$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#Y*86X@,2P-"@D),C`Q,CQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/DIA;B`Q+`T*"0DR
M,#$T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&9N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^1F5B(#@L#0H)"3(P
M,38\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#Y$96,@,S$L#0H)"3(P,3$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#Y$96,@,S$L#0H)"3(P,3,\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#Y&96(@-RP-"@D),C`Q
M-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1F;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1D(&-O
M;'-P86X],T0Q-3X\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1&EN;F5R1F]O=&YO=&4^#0H@("`@("`@(#QT9"!V86QI9VX],T1T;W`^
M6S%=/"]T9#X-"B`@("`@("`@/'1D(&-O;'-P86X],T0Q-"!V86QI9VX],T1T
M;W`^0F5G:6YN:6YG(&]N($9E8G)U87)Y(#@L(#(P,38L('1H92!D:79I9&5N
M9"!R871E('=I;&P@8F4@9FEX960@870@;FEN92!P97)C96YT("@Y)2D@<&5R
M(&%N;G5M+CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M:6YN97)&;V]T;F]T93X-"B`@("`@("`@/'1D('9A;&EG;CTS1'1O<#Y;,ET\
M+W1D/@T*("`@("`@("`\=&0@8V]L<W!A;CTS1#$T('9A;&EG;CTS1'1O<#Y"
M971W965N($IA;G5A<GD@,2P@,C`Q-"!A;F0@1F5B<G5A<GD@-RP@,C`Q-BP@
M=&AE(&1I=FED96YD(')A=&4@=VEL;"!B92!F:7AE9"!A="!A(')A=&4@:6X@
M<W5C:"!R86YG92!B87-E9"!U<&]N('1H92!L979E;"!O9B!P97)C96YT86=E
M(&-H86YG92!I;B!14T),(&)E='=E96X@4V5P=&5M8F5R(#,P+"`R,#$S(&%N
M9"!T:&4@0F%S96QI;F4N/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L
M93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R
M,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,
M;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W
M-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E=#$Q,2YH=&UL#0I#;VYT96YT
M+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT
M+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL
M/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4
M>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R
M:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$
M;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-
M"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P
M139)044^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O
M;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^4%)%1D524D5$(%-43T-+
M("A.87)R871I=F4I("A$971A:6QS*2`H4V5R:65S($4@4')E9F5R<F5D(%-T
M;V-K(%M-96UB97)=+"!54T0@)"D\8G(^26X@5&AO=7-A;F1S+"!E>&-E<'0@
M4VAA<F4@9&%T82P@=6YL97-S(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N
M9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,3XQ
M($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O
M;'-P86X],T0Q/C$R($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y!=6<N(#$Q+"`R
M,#$Q/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L
M(#(P,3,\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS
M=')O;F<^0VQA<W,@;V8@4W1O8VL@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4VAA<F5S(&]F('-T
M;V-K(&ES<W5E9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C$L
M,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^5F%L=64@;V8@<W1O8VL@:7-S=65D/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XD(#(Q+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D1I=FED96YD(')A=&4\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4N,#`E/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^06=G<F5G871E(&QI
M<75I9&%T:6]N('!R969E<F5N8V4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XD(#(Q+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^3&5N9&EN9R!I;F-E;G1I=F4@9F5E/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,"XU,"4\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DUI;FEM=6T@5&EE
M<B`Q(&-A<&ET86P@<F5Q=6ER960@=&\@<&%Y(&1I=FED96YD<SPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/CDP+C`P)3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4F5D96UP=&EO;B!P
M<FEC92P@<&5R8V5N="!O9B!L:7%U:61A=&EO;B!A;6]U;G0\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,#`N,#`E/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y-:6YI;75M(%M-96UB
M97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N
M9SY#;&%S<R!O9B!3=&]C:R!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$:79I9&5N9"!R871E/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+C`P)3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y
M/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?
M-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL
M93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O
M5V]R:W-H965T<R]3:&5E=#$Q,BYH=&UL#0I#;VYT96YT+51R86YS9F5R+45N
M8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O
M:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-
M"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0]
M,T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T
M97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E
M(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@
M("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P139004<^#0H@("`@
M("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O
M=W-P86X],T0R/CQS=')O;F<^4U1/0TL@0T]-4$5.4T%424].(%!,04Y3("A.
M87)R871I=F4I("A$971A:6QS*2`H55-$("0I/&)R/DEN(%1H;W5S86YD<RP@
M97AC97!T(%-H87)E(&1A=&$L('5N;&5S<R!O=&AE<G=I<V4@<W!E8VEF:65D
M/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A
M;CTS1#,^,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\
M8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q
M,CQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R
M,#$Q/&)R/CPO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R
M;VYG/E-43T-+($-/35!%3E-!5$E/3B!03$%.4R!;06)S=')A8W1=/"]S=')O
M;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!R971A
M>"!C;VUP96YS871I;VX@97AP96YS93PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^)"`X,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@,S@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XD(#$U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;VUM;VX@<W1O8VL@<F5S97)V960@
M9F]R(&ES<W5A;F-E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M.#`P+#`P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y/<'1I;VX@<')I8V4@87,@82!P97)C96YT86=E(&]F(&9A
M:7(@;6%R:V5T('9A;'5E('!E<B!S:&%R92!O9B!C;VUM;VX@<W1O8VL@;VX@
M=&AE($=R86YT($1A=&4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$P,"XP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^36%X:6UU;2!C;VYT<F%C='5A;"!T97)M/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG,3`@>65A<G,\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5F5S=&EN9R!P
M97)I;V0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<S('EE87)S
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/CQS=')O;F<^4VAA<F4M8F%S960@0V]M<&5N<V%T:6]N+"!3:&%R97,@
M075T:&]R:7IE9"!U;F1E<B!3=&]C:R!/<'1I;VX@4&QA;G,L($5X97)C:7-E
M(%!R:6-E(%)A;F=E(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.=6UB97(@;V8@;W!T:6]N<R!O
M=71S=&%N9&EN9SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,SDX
M+#,W,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y286YG92!/;F4@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY3:&%R92UB87-E9"!#;VUP96YS
M871I;VXL(%-H87)E<R!!=71H;W)I>F5D('5N9&5R(%-T;V-K($]P=&EO;B!0
M;&%N<RP@17AE<F-I<V4@4')I8V4@4F%N9V4@6TQI;F4@271E;7-=/"]S=')O
M;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYU;6)E
M<B!O9B!O<'1I;VYS(&]U='-T86YD:6YG(&%N9"!E>&5R8VES86)L93PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C4W+#(U,SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%>&5R8VES
M92!P<FEC92P@;6EN:6UU;3PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^)"`Q+C4S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D5X97)C:7-E('!R:6-E+"!M87AI;75M/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#4N-S4\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5V5I9VAT960@879E
M<F%G92!E>&5R8VES92!P<FEC92!O9B!O<'1I;VYS(&]U='-T86YD:6YG(&%N
M9"!E>&5R8VES86)L93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M)"`R+C(U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E=E:6=H=&5D(&%V97)A9V4@<F5M86EN:6YG(&-O;G1R86-T
M=6%L(&QI9F4@;V8@;W!T:6]N<R!O=71S=&%N9&EN9R!A;F0@97AE<F-I<V%B
M;&4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<V('EE87)S(#0@
M;6]N=&AS(#(X(&1A>7,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^4F%N9V4@5'=O(%M-96UB97)=/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4VAA<F4M8F%S
M960@0V]M<&5N<V%T:6]N+"!3:&%R97,@075T:&]R:7IE9"!U;F1E<B!3=&]C
M:R!/<'1I;VX@4&QA;G,L($5X97)C:7-E(%!R:6-E(%)A;F=E(%M,:6YE($ET
M96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y.=6UB97(@;V8@;W!T:6]N<R!O=71S=&%N9&EN9R!A;F0@97AE<F-I
M<V%B;&4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(S,"PP.38\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^17AE<F-I<V4@<')I8V4L(&UI;FEM=6T\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@,2XY,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%>&5R8VES92!P<FEC92P@;6%X:6UU
M;3PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`S+C(S/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E=E
M:6=H=&5D(&%V97)A9V4@97AE<F-I<V4@<')I8V4@;V8@;W!T:6]N<R!O=71S
M=&%N9&EN9SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`R+CD\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^5V5I9VAT960@879E<F%G92!R96UA:6YI;F<@8V]N=')A8W1U86P@;&EF
M92!O9B!O<'1I;VYS(&]U='-T86YD:6YG/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG."!Y96%R<R`Y(&UO;G1H<R`Q."!D87ES/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B
M;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V
M,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@
M9FEL93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ
M-F,O5V]R:W-H965T<R]3:&5E=#$Q,RYH=&UL#0I#;VYT96YT+51R86YS9F5R
M+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E
M>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A
M9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E
M;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4]
M,T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M
M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^
M#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P1455044^#0H@
M("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q
M(')O=W-P86X],T0R/CQS=')O;F<^4U1/0TL@0T]-4$5.4T%424].(%!,04Y3
M("A38VAE9'5L92!O9B!3=&]C:R!);F-E;G1I=F4@4&QA;B!!8W1I=FET>2D@
M*$1E=&%I;',I("A54T0@)"D\8G(^/"]S=')O;F<^/"]T:#X-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#,^,3(@36]N=&AS($5N9&5D/"]T
M:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L
M87-S/3-$=&@^1&5C+B`S,2P@,C`Q,CQB<CX\+W1H/@T*("`@("`@("`\=&@@
M8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$Q/&)R/CPO=&@^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E-(05)%4SPO<W1R;VYG/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y/=71S=&%N9&EN9R!A
M="!B96=I;FYI;F<@;V8@>65A<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,SDX+#,W,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C,Q,RPV,3(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XR-3<L,C@W/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y'<F%N=&5D/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,#(L-#0U/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,38T+#(T,3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4X+#4W-3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M17AE<F-I<V5D/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@S+#0V
M-RD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B@Q+#4P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M/B@W-3`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y&;W)F96ET960\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6T^*#$P+#`P,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M/B@W-RPY.#(I/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,2PU,#`I/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y/=71S=&%N9&EN9R!A
M="!E;F0@;V8@>65A<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-#@W+#,T.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C,Y."PS-S$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XS,3,L-C$R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%>&5R8VES86)L92!A="!E;F0@;V8@
M>65A<CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C4W+#(U,SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$V
M-RPV,C0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ-SDL.#<T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#X\<W1R;VYG/E=%24=(5$5$($%615)!1T4@15A%4D-)
M4T4@4%))0T4\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^3W5T<W1A;F1I;F<@870@8F5G:6YN:6YG(&]F('EE87(\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,BXT,SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,RXP,CQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,RXQ
M.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^1W)A;G1E9#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`S
M+C$Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^)"`R+C<S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^)"`R+C(U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y%>&5R8VES960\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@,2XX,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@,2XW/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+C<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D9O<F9E:71E9#PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`T+C(U/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`U+C0W/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+C<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D]U='-T86YD:6YG(&%T(&5N9"!O9B!Y96%R/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XD(#(N-34\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XD(#(N-#,\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#,N,#(\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5X97)C:7-E('!R
M:6-E(&]F(&-O;6UO;B!S:&%R97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/B0@,BXR-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@,BXR.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@,RXX,3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5V5I9VAT960@879E<F%G92!F
M86ER('9A;'5E(&]F(&]P=&EO;G,@9W)A;G1E9"!I;B!C=7)R96YT('EE87(\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,"XX,SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,"XX/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`P
M+C4Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B
M;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X
M,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M
M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?
M-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970Q,30N:'1M;`T*0V]N=&5N
M="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N
M="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M
M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M
M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C
M<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@
M1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^
M#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$
M,$4Q4$%%/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C
M;VQS<&%N/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/E-43T-+($-/35!%3E-!
M5$E/3B!03$%.4R`H4V-H961U;&4@;V8@07-S=6UP=&EO;G,I("A$971A:6QS
M*3QB<CX\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C
M;VQS<&%N/3-$,SXQ,B!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@
M,C`Q,SQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q
M+"`R,#$R/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@
M,S$L(#(P,3$\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/CQS=')O;F<^4VAA<F4M8F%S960@0V]M<&5N<V%T:6]N($%R<F%N9V5M96YT
M(&)Y(%-H87)E+6)A<V5D(%!A>6UE;G0@07=A<F0@6TQI;F4@271E;7-=/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5X
M<&5C=&5D(&QI=F5S(&EN('EE87)S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG,3`@>65A<G,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG,3`@>65A<G,\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG,3`@>65A<G,\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5X<&5C=&5D
M(&1I=FED96YD(')A=&4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$N,S`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,"XP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XP+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^36EN:6UU;2!;365M8F5R73PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E-H87)E+6)A<V5D
M($-O;7!E;G-A=&EO;B!!<G)A;F=E;65N="!B>2!3:&%R92UB87-E9"!087EM
M96YT($%W87)D(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y2:7-K+69R964@:6YT97)E<W0@<F%T
M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2XX,B4\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+C8V)3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(N
M,3DE/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y%>'!E8W1E9"!V;VQA=&EL:71Y/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XS,"XP-B4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XS,RXR-B4\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XS-2XP,R4\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DUA>&EM=6T@6TUE;6)E
M<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N
M9SY3:&%R92UB87-E9"!#;VUP96YS871I;VX@07)R86YG96UE;G0@8GD@4VAA
M<F4M8F%S960@4&%Y;65N="!!=V%R9"!;3&EN92!)=&5M<UT\+W-T<F]N9SX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4FES:RUF<F5E
M(&EN=&5R97-T(')A=&4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C(N,#,E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,BXR."4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XS+C8R)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^17AP96-T960@=F]L871I;&ET>3PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S(N,S(E/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S4N-S<E/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S4N,C4E/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@
M(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A
M.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I
M;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V
M,3,Y,39C+U=O<FMS:&5E=',O4VAE970Q,34N:'1M;`T*0V]N=&5N="U4<F%N
M<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E
M.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@
M/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C
M;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T
M>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T
M(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB
M;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$551T%'
M/@T*("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N
M/3-$,2!R;W=S<&%N/3-$,CX\<W1R;VYG/D%#0U5-54Q!5$5$($]42$52($-/
M35!214A%3E-)5D4@3$]34R`H4V-H961U;&4@;V8@0VAA;F=E<R!I;B!%86-H
M($-O;7!O;F5N="!O9B!!8V-U;75L871E9"!/=&AE<B!#;VUP<F5H96YS:79E
M($QO<W,I("A$971A:6QS*2`H55-$("0I/&)R/DEN(%1H;W5S86YD<RP@=6YL
M97-S(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H/@T*("`@("`@
M("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,SXQ,B!-;VYT:',@16YD960\
M+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L
M87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@("`\=&@@
M8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$R/&)R/CPO=&@^#0H@("`@("`@(#QT
M:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3$\8G(^/"]T:#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^06-C=6UU;&%T960@3W1H97(@
M0V]M<')E:&5N<VEV92!,;W-S(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y"96=I;FYI;F<@0F%L
M86YC93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XD("@U+#,W.2D\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^3W1H97(@8V]M<')E:&5N<VEV92!I;F-O;64@*&QO<W,I(&)E9F]R92!R
M96-L87-S:69I8V%T:6]N<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;3XH.#`R*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y!;6]U;G1S(')E8VQA<W-I9FEE9"!F<F]M(&%C8W5M=6QA
M=&5D(&]T:&5R(&-O;7!R96AE;G-I=F4@;&]S<SPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,S`V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!C=7)R96YT('!E<FEO9"!O=&AE
M<B!C;VUP<F5H96YS:79E(&QO<W,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6T^*#0Y-BD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@Q+#<Q.2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ+#(P,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^16YD:6YG($)A;&%N8V4\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#4L.#<U*3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#4L,S<Y*3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!5
M;G)E86QI>F5D($=A:6YS(&%N9"!,;W-S97,@;VX@26YV97-T;65N="!396-U
M<FET:65S(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/CQS=')O;F<^06-C=6UU;&%T960@3W1H97(@0V]M<')E:&5N<VEV
M92!,;W-S(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y"96=I;FYI;F<@0F%L86YC93PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-"PQ-#$\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3W1H97(@8V]M<')E
M:&5N<VEV92!I;F-O;64@*&QO<W,I(&)E9F]R92!R96-L87-S:69I8V%T:6]N
M<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,BPY-C,I/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D%M
M;W5N=',@<F5C;&%S<VEF:65D(&9R;VT@86-C=6UU;&%T960@;W1H97(@8V]M
M<')E:&5N<VEV92!L;W-S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B@Q,S4I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DYE="!C=7)R96YT('!E<FEO9"!O=&AE<B!C;VUP<F5H96YS
M:79E(&QO<W,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#,L,#DX
M*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y%;F1I;F<@0F%L86YC93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,2PP-#,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^1&5F:6YE9"!"96YE9FET(%!E;G-I;VX@271E;7,@
M6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M/'-T<F]N9SY!8V-U;75L871E9"!/=&AE<B!#;VUP<F5H96YS:79E($QO<W,@
M6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D)E9VEN;FEN9R!"86QA;F-E/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M/B@Y+#4R,"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3W1H97(@8V]M<')E:&5N<VEV
M92!I;F-O;64@*&QO<W,I(&)E9F]R92!R96-L87-S:69I8V%T:6]N<SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPQ-C$\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^06UO=6YT<R!R
M96-L87-S:69I960@9G)O;2!A8V-U;75L871E9"!O=&AE<B!C;VUP<F5H96YS
M:79E(&QO<W,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0T,3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y.970@8W5R<F5N="!P97)I;V0@;W1H97(@8V]M<')E:&5N<VEV92!L;W-S
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#8P,CQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y%;F1I
M;F<@0F%L86YC93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XD("@V
M+#DQ."D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\
M+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A
M<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT
M96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y
M,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T,3$V+FAT;6P-"D-O
M;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O
M;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*
M/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT
M96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G
M/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS
M/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H
M96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60]
M,T1)1#!%5DY!13X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY!0T-5355,051%
M1"!/5$A%4B!#3TU04D5(14Y3259%($Q/4U,@*%-C:&5D=6QE(&]F($%M;W5N
M=',@4F5C;&%S<VEF:65D(&]U="!O9B!%86-H($-O;7!O;F5N="!O9B!!8V-U
M;75L871E9"!/=&AE<B!#;VUP<F5H96YS:79E($QO<W,I("A$971A:6QS*2`H
M55-$("0I/&)R/DEN(%1H;W5S86YD<RP@=6YL97-S(&]T:&5R=VES92!S<&5C
M:69I960\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:"!C
M;VQS<&%N/3-$-#XQ,B!-;VYT:',@16YD960\+W1H/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS
M1#(^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,]
M,T1T:#Y$96,N(#,Q+"`R,#$R/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S
M<STS1'1H/D1E8RX@,S$L(#(P,3$\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/CQS=')O;F<^56YR96%L:7IE9"!G86EN<R!A;F0@;&]S
M<V5S(&]N('-A;&4@;V8@<V5C=7)I=&EE<SH\+W-T<F]N9SX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$9FX^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^3F5T(')E86QI>F5D(&=A:6YS(&]N(&%V86EL86)L92!F
M;W(@<V%L92!S96-U<FET:65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B0@*#(P-"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$9FX^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B0@*#$R
M*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/B0@,S4X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y4;W1A;"!B969O<F4@=&%X/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@R,#0I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&9N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH
M,3(I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,S4X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y0<F]V:7-I;VX@9F]R(&EN8V]M92!T87@@97AP96YS93PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-CD\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$9FX^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XT/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;3XH,3(R*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^3F5T(&]F('1A>#PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;3XH,3,U*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1F;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#X\<W1R;VYG/D%M;W)T:7IA=&EO;B!O9B!D969I;F5D(&)E
M;F5F:70@:71E;7,\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$9FX^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^17-T
M:6UA=&5D(&YE="!L;W-S('1H870@=VEL;"!B92!A;6]R=&EZ960@9G)O;2!A
M8V-U;75L871E9"!O=&AE<B!C;VUP<F5H96YS:79E(&EN8V]M92`H;&]S<RD\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8X,SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1F;CX\<W5P/ELQ73PO<W5P
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5S=&EM871E
M9"!P<FEO<B!S97)V:6-E(&-O<W0@=&AA="!W:6QL(&)E(&%M;W)T:7IE9"!F
M<F]M(&%C8W5M=6QA=&5D(&]T:&5R(&-O;7!R96AE;G-I=F4@:6YC;VUE("AL
M;W-S*3PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,3`I/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&9N/CQS=7`^6S%=
M/"]S=7`^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5')A
M;G-I=&EO;B!A<W-E=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH
M-"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$9FX^
M/'-U<#Y;,5T\+W-U<#X\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y4;W1A;"!B969O<F4@=&%X/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XV-CD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$9FX^/'-U<#Y;,5T\+W-U<#X\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#Y0<F]V:7-I;VX@9F]R(&EN8V]M92!T87@@97AP96YS
M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,C(X*3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1F;CX\<W5P/ELQ73PO
M<W5P/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!O
M9B!T87@\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0T,3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1F;CX\<W5P/ELQ
M73PO<W5P/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O
M=&%L(')E8VQA<W-I9FEC871I;VYS(&9O<B!T:&4@<&5R:6]D/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#,P-CQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1F;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R/@T*("`@("`@("`\=&0@8V]L<W!A;CTS1#4^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1I;FYE<D9O;W1N;W1E
M/@T*("`@("`@("`\=&0@=F%L:6=N/3-$=&]P/ELQ73PO=&0^#0H@("`@("`@
M(#QT9"!C;VQS<&%N/3-$-"!V86QI9VX],T1T;W`^5&AE<V4@86-C=6UU;&%T
M960@;W1H97(@8V]M<')E:&5N<VEV92!L;W-S(&-O;7!O;F5N=',@87)E(&EN
M8VQU9&5D(&EN('1H92!C;VUP=71A=&EO;B!O9B!N970@<&5R:6]D:6,@8F5N
M969I="!C;W-T("AS964@3F]T92`Q-"!F;W(@861D:71I;VYA;"!D971A:6QS
M*2X\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^
M#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T
M.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE
M.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7
M;W)K<VAE971S+U-H965T,3$W+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC
M;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H
M=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*
M("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS
M1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E
M>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@
M5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@
M("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)1#!%,DA!13X-"B`@("`@
M(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W
M<W!A;CTS1#$^/'-T<F]N9SY)3E1!3D=)0DQ%($%34T544R`H1&5T86EL<RD@
M*%531"`D*3QB<CY);B!4:&]U<V%N9',L('5N;&5S<R!O=&AE<G=I<V4@<W!E
M8VEF:65D/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^
M1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T
M:#Y$96,N(#,Q+"`R,#$R/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1H/D1E8RX@,S$L(#(P,3$\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/CQS=')O;F<^1V]O9'=I;&P@6TQI;F4@271E;7-=/"]S=')O
M;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D=O;V1W
M:6QL/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$R+#8Q,SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@
M,3(L-C$S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`Q,BPV,3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E=E<W0@0VAE<W1E<B!#87!I=&%L($%D=FES;W)S
M(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/CQS=')O;F<^1V]O9'=I;&P@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D=O;V1W:6QL/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS+#$P,#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y2971A:6P@0F%N
M:VEN9R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/D=O;V1W:6QL(%M,:6YE($ET96US73PO<W1R;VYG/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y';V]D=VEL;#PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Y+#4P,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO=&%B;&4^#0H@(#PO
M8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R=%\X,C,R8S1A.5\T
M-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E;G0M3&]C871I;VXZ
M(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y
M,39C+U=O<FMS:&5E=',O4VAE970Q,3@N:'1M;`T*0V]N=&5N="U4<F%N<V9E
M<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T
M97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\:'1M;#X-"B`@/&AE
M860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E;G0M5'EP92!C;VYT
M96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^/'-C<FEP="!T>7!E
M/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^+RH@1&\@3F]T(%)E
M;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE860^#0H@(#QB;V1Y
M/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS1$E$,$5"5$%%/@T*
M("`@("`@/'1R/@T*("`@("`@("`\=&@@8VQA<W,],T1T;"!C;VQS<&%N/3-$
M,2!R;W=S<&%N/3-$,CX\<W1R;VYG/D1%4DE6051)5D4@2$5$1TE.1R!)3E-4
M4E5-14Y44R`H1&5T86EL<RD@*%531"`D*3QB<CX\+W-T<F]N9SX\+W1H/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$,3XQ,B!-;VYT:',@
M16YD960\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<CX-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY$97)I=F%T:79E(%M,:6YE
M($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^36%X:6UU;2!N;W1I;VYA;"!A;6]U;G0@;W5T<W1A;F1I;F<@<&5R
M;6ET=&5D/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#4P,"PP
M,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y);G1E<F5S="!2871E(%-W87`@6TUE;6)E<ET\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^1&5R:79A=&EV92!;
M3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/DEN8W)E87-E("AD96-R96%S92D@:6X@:6YT97)E<W0@97AP
M96YS93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N
M8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^26YT97)E<W0@4F%T92!3=V%P($]N92!;365M8F5R73PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY$97)I=F%T:79E
M(%M,:6YE($ET96US73PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^4W1A<G0@9&%T93PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^1&5C(#$R+`T*"0DR,#`X/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y-871U<FET>2!D871E/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#Y397`@,C0L#0H)"3(P,3,\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYO
M=&EO;F%L(&%M;W5N=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M.2PP,#`L,#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y687)I86)L92!I;G1E<F5S="!R871E/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XU+C(U)3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1FEX960@:6YT97)E<W0@<F%T
M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BXW,R4\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN8W)E
M87-E("AD96-R96%S92D@:6X@:6YT97)E<W0@97AP96YS93PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,38U+#0X.#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YT97)E<W0@4F%T92!3
M=V%P(%1W;R!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^/'-T<F]N9SY$97)I=F%T:79E(%M,:6YE($ET96US73PO<W1R;VYG
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4W1A<G0@9&%T
M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^1&5C(#$R+`T*"0DR
M,#`X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y-871U<FET>2!D871E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#Y397`@,C0L#0H)"3(P,3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYO=&EO;F%L(&%M;W5N=#PO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.2PP,#`L,#`P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y687)I86)L92!I
M;G1E<F5S="!R871E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR
M+C<S)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^1FEX960@:6YT97)E<W0@<F%T93PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^-2XR-24\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/DEN8W)E87-E("AD96-R96%S92D@:6X@:6YT
M97)E<W0@97AP96YS93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XD
M("@Q-C4L-#@X*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X
M=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#
M;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW
M.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T,3$Y+FAT;6P-
M"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-
M"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-
M"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#
M;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F
M+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W
M+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^
M/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@
M:60],T1)1#!%0EA$2SX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S
M/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY314=-14Y4
M(%)%4U5,5%,@*$1E=&%I;',I("A54T0@)"D\8G(^26X@5&AO=7-A;F1S+"!U
M;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@
M("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0X/C,@36]N=&AS($5N9&5D
M/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS1#,^,3(@
M36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q,SQB<CX\+W1H
M/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y*=6XN(#,P+"`R,#$S/&)R/CPO
M=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/DUA<BX@,S$L(#(P,3,\8G(^
M/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,CQB
M<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P+"`R,#$R
M/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/DIU;BX@,S`L(#(P
M,3(\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^36%R+B`S,2P@
M,C`Q,CQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q
M+"`R,#$S/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@
M,S$L(#(P,3(\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C
M+B`S,2P@,C`Q,3QB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^/'-T<F]N9SY396=M96YT(%)E<&]R=&EN9R!);F9O<FUA=&EO;B!;3&EN
M92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y.970@:6YT97)E<W0@:6YC;VUE/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#@L-3DX/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`X+#(P,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@."PP,C$\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD
M(#@L,#0R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^)"`X+#`X,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@."PQ-#(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XD(#<L.3(Q/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`X+#`U.#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,S(L.#8Q/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`S
M,BPR,#,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XD(#,R+#(X,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^0W)E9&ET('!R;W9I<VEO;B!F;W(@;&]A;B!L;W-S
M97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#$L,#`P*3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S
M<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ-3`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@R-3`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-34P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;3XH,C`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6T^*#4P,"D\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@V,C4I/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,2PQ,#`I/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH-S<U*3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#,L-3<U
M*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^3F]N+6EN=&5R97-T(&EN8V]M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,RPX-C<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XS+#DX-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C0L,#<U/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPX,38\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS+#@X-SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,L-C0Y/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPW,S,\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS
M+#8W-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$U+#<T-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$T+#DT,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C$S+#4V.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F]N+6EN=&5R97-T(&5X<&5N<V4\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$P+#<T-CQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$P+#0Q,SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$P
M+#0T,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$P+#8R,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$P+#,W,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C$P+#`X-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$P+#`V-SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$P+#$Q-#QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0R+#(R,SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0P+#8T
M,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C0P+#`S-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')O=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E!2151!6"!)3D-/344\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C(L-S$Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,2PW-S,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ+#4P-#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L-#@V/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PP-#8\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#DP-#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L,#@W
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,BPR-#,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XW+#0X,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C<L,C@P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^.2PS.3`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!R;W9I<VEO;B!F;W(@:6YC;VUE('1A
M>&5S("AB96YE9FET*3PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M.#<X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-30W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^-#,T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-#,P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,S$Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-3DW/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^-C4U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^-C<X/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPR.#D\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#(T,3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L.#4S/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3D54
M($E.0T]-13PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PX-#$\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ
M+#(R-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$L,#<P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,2PP-38\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XW,S4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ+#,P-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$L-#,R/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PU-C4\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU+#$Y,SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4L,#,Y/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-BPU
M,S<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/E1O=&%L(&%S<V5T<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,2PP-38L,#,V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,2PP,#`L.3DQ/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PP-38L,#,V/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PP,#`L.3DQ
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M.3<Y+#`W-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^4F5T86EL($)A;FMI;F<@6TUE;6)E<ET\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E-E9VUE
M;G0@4F5P;W)T:6YG($EN9F]R;6%T:6]N(%M,:6YE($ET96US73PO<W1R;VYG
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/DYE="!I;G1E<F5S="!I;F-O;64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,C`L,C(S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,C`L-3@U/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C`L,3`P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#<F5D:70@<')O
M=FES:6]N(&9O<B!L;V%N(&QO<W-E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M/B@Y,BD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M/B@Q-C`I/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,C8S*3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F]N+6EN=&5R97-T(&EN
M8V]M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV
M+#4Q,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C8L-38U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-BPP-34\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DYO;BUI;G1E<F5S="!E>'!E;G-E/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(R+#@W,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(R+#@P,CQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(S
M+#0W,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/E!2151!6"!)3D-/344\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,RPY-3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XT+#4P.#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L.30X/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y0<F]V:7-I;VX@9F]R
M(&EN8V]M92!T87AE<R`H8F5N969I="D\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,2PQ-C4\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#,U.#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@X,#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O=3X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DY%5"!)3D-/344\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPW.3(\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS
M+#$U,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C(L,#8X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y4;W1A;"!A<W-E=',\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C,T-RPX,C,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XS,S8L,C0Q/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S0W+#@R,SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,S-BPR-#$\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS
M,S<L.#8Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y#;VUM97)C:6%L($)A;FMI;F<@6TUE;6)E<ET\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/E-E
M9VUE;G0@4F5P;W)T:6YG($EN9F]R;6%T:6]N(%M,:6YE($ET96US73PO<W1R
M;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/DYE="!I;G1E<F5S="!I;F-O;64\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,34L-C@W/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,30L-#DY/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3,L.#8P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#<F5D:70@
M<')O=FES:6]N(&9O<B!L;V%N(&QO<W-E<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M/B@Q+#`P."D\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@V,34I/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,RPS,3(I/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.;VXM:6YT
M97)E<W0@:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C8T,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C4X-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C4Y-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^3F]N+6EN=&5R97-T(&5X<&5N<V4\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`L,30X/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^."PY-S`\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW
M+#@S,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/E!2151!6"!)3D-/344\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-RPQ.#D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XV+#<R.3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/CDL.3,V/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y0<F]V:7-I;VX@9F]R
M(&EN8V]M92!T87AE<R`H8F5N969I="D\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,BPQ-C8\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#`T-#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L.3DU/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F]U/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3D54($E.0T]-
M13PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU+#`R
M,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C0L-C@U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^-BPY-#$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/E1O=&%L(&%S<V5T<SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^-30U+#4U-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C0Y-RPS,S$\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU-#4L-34V/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#DW+#,S
M,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C0T,BPP.#<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E1R=7-T(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY396=M96YT(%)E<&]R
M=&EN9R!);F9O<FUA=&EO;B!;3&EN92!)=&5M<UT\+W-T<F]N9SX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.970@:6YT
M97)E<W0@:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C,U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,S4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XT,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^0W)E9&ET('!R;W9I<VEO;B!F;W(@;&]A;B!L;W-S
M97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N
M8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.;VXM:6YT
M97)E<W0@:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C@L,SDQ/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^-RPW.#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XW+#(X,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F]N+6EN=&5R97-T(&5X<&5N<V4\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-BPV,#4\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV
M+#,X-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C8L,3$X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^4%)%5$%8($E.0T]-13PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ+#@R,3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L-#,R/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PR,#4\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!R;W9I<VEO
M;B!F;W(@:6YC;VUE('1A>&5S("AB96YE9FET*3PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XV,3D\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT.#<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT,3`\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;W4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.150@24Y#3TU%
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L,C`R
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M.30U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-SDU/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y4;W1A;"!A<W-E=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C0L-S(R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-"PT,CD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XT+#<R,CQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0L-#(Y/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPY,3<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DEN=F5S
M=&UE;G0O(%!A<F5N="!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^4V5G;65N="!297!O<G1I
M;F<@26YF;W)M871I;VX@6TQI;F4@271E;7-=/"]S=')O;F<^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F5T(&EN=&5R
M97-T(&EN8V]M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B@S+#`X-"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@R+#DQ-BD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M/B@Q+#<Q."D\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-R961I="!P<F]V:7-I;VX@9F]R
M(&QO86X@;&]S<V5S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P
M.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^3F]N+6EN=&5R97-T(&EN8V]M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ.3D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XY/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;3XH,S8U*3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3F]N+6EN=&5R97-T(&5X<&5N
M<V4\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPV
M,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XR+#0X,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C(L-C$V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^4%)%5$%8($E.0T]-13PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M/B@U+#0X-2D\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@U+#,X.2D\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@T+#8Y.2D\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!R
M;W9I<VEO;B!F;W(@:6YC;VUE('1A>&5S("AB96YE9FET*3PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q+#8V,2D\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q+#8T."D\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q+#0S
M,BD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;W4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y.150@24Y#3TU%/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6T^*#,L.#(T*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6T^*#,L-S0Q*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6T^*#,L,C8W*3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@87-S971S/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$U-RPY,S4\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$V
M,BPY.3`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XD(#$U-RPY,S4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XD(#$V,BPY.3`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$Y-2PR,#,\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T86)L93X-"B`@/"]B;V1Y
M/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T7S@R,S)C-&$Y7S0V,#!?
M-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N="U,;V-A=&EO;CH@9FEL
M93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,O
M5V]R:W-H965T<R]3:&5E=#$R,"YH=&UL#0I#;VYT96YT+51R86YS9F5R+45N
M8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT96YT+51Y<&4Z('1E>'0O
M:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH=&UL/@T*("`\:&5A9#X-
M"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N="U4>7!E(&-O;G1E;G0]
M,T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\<V-R:7!T('1Y<&4],T1T
M97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO*B!$;R!.;W0@4F5M;W9E
M(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A9#X-"B`@/&)O9'D^#0H@
M("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$240P13%(0D<^#0H@("`@
M("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L(&-O;'-P86X],T0Q(')O
M=W-P86X],T0Q/CQS=')O;F<^4D5'54Q!5$]262!#05!)5$%,("A$971A:6QS
M*2`H55-$("0I/&)R/DEN(%1H;W5S86YD<RP@=6YL97-S(&]T:&5R=VES92!S
M<&5C:69I960\+W-T<F]N9SX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T
M:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS
M1'1H/D1E8RX@,S$L(#(P,3(\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/CQS=')O;F<^4W5M;6%R:7IE9"!R96=U;&%T;W)Y(&-A<&ET
M86P@<F%T:6\@;V8@8V]M<&%N>3PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S
M/3-$<&P@=F%L:6=N/3-$=&]P/E1A;F=I8FQE(&-O;6UO;B!E<75I='D@<F%T
M:6\\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<N-C0E/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-RXW."4\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/D-O;G-O;&ED871E9"!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/CQS=')O;F<^4W5M;6%R:7IE9"!R96=U;&%T;W)Y(&-A
M<&ET86P@<F%T:6\@;V8@8V]M<&%N>3PO<W1R;VYG/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L($-A<&ET86P@*%1O(%)I<VL@
M5V5I9VAT960@07-S971S*2P@06-T=6%L($%M;W5N=#PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^(#$R."PT-CD\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#X@,3(R+#4X,SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@0V%P
M:71A;"`H5&\@4FES:R!796EG:'1E9"!!<W-E=',I+"!!8W1U86P@4F%T:6\\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$U+C(X)3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$U+CDR)3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M5&]T86P@0V%P:71A;"`H5&\@4FES:R!796EG:'1E9"!!<W-E=',I+"!&;W(@
M0V%P:71A;"!!9&5Q=6%C>2!0=7)P;W-E<R!!;6]U;G0\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C8W+#(T-SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8Q+#4X.#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T86P@0V%P:71A
M;"`H5&\@4FES:R!796EG:'1E9"!!<W-E=',I+"!&;W(@0V%P:71A;"!!9&5Q
M=6%C>2!0=7)P;W-E<R!2871I;SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^."XP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XX+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^5&]T86P@0V%P:71A;"`H5&\@4FES:R!796EG
M:'1E9"!!<W-E=',I+"!4;R!"92!796QL($-A<&ET86QI>F5D(%5N9&5R(%!R
M;VUP="!#;W)R96-T:79E($%C=&EO;B!0<F]V:7-I;VYS($%M;W5N=#PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^.#0L,#4Y/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-S8L.3@U/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A
M;"!#87!I=&%L("A4;R!2:7-K(%=E:6=H=&5D($%S<V5T<RDL(%1O($)E(%=E
M;&P@0V%P:71A;&EZ960@56YD97(@4')O;7!T($-O<G)E8W1I=F4@06-T:6]N
M(%!R;W9I<VEO;G,@4F%T:6\\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$P+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$P+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^5&EE<B`Q($-A<&ET86P@*%1O(%)I<VL@5V5I
M9VAT960@07-S971S*2P@06-T=6%L($%M;W5N=#PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,3$W+#DU-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C$Q,BPY,38\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1I97(@,2!#87!I=&%L
M("A4;R!2:7-K(%=E:6=H=&5D($%S<V5T<RDL($%C='5A;"!2871I;SPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,30N,#,E/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,30N-C<E/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4:65R
M(#$@0V%P:71A;"`H5&\@4FES:R!796EG:'1E9"!!<W-E=',I+"!&;W(@0V%P
M:71A;"!!9&5Q=6%C>2!0=7)P;W-E<R!!;6]U;G0\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C,S+#8R-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C,P+#<Y-#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&EE<B`Q($-A<&ET86P@
M*%1O(%)I<VL@5V5I9VAT960@07-S971S*2P@1F]R($-A<&ET86P@061E<75A
M8WD@4'5R<&]S97,@4F%T:6\\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C0N,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-"XP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E1I97(@,2!#87!I=&%L("A4;R!2:7-K(%=E:6=H
M=&5D($%S<V5T<RDL(%1O($)E(%=E;&P@0V%P:71A;&EZ960@56YD97(@4')O
M;7!T($-O<G)E8W1I=F4@06-T:6]N(%!R;W9I<VEO;G,@06UO=6YT/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU,"PT,S4\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT-BPQ.3$\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1I97(@
M,2!#87!I=&%L("A4;R!2:7-K(%=E:6=H=&5D($%S<V5T<RDL(%1O($)E(%=E
M;&P@0V%P:71A;&EZ960@56YD97(@4')O;7!T($-O<G)E8W1I=F4@06-T:6]N
M(%!R;W9I<VEO;G,@4F%T:6\\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C8N,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-BXP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E1I97(@,2!#87!I=&%L("A4;R!!=F5R86=E($%S
M<V5T<RDL($%C='5A;"!!;6]U;G0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C$Q-RPY-3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ,3(L.3$V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4:65R(#$@0V%P:71A;"`H5&\@079E
M<F%G92!!<W-E=',I+"!!8W1U86P@4F%T:6\\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C$Q+C0U)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$Q+C0T)3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&EE<B`Q($-A<&ET86P@*%1O
M($%V97)A9V4@07-S971S*2P@1F]R($-A<&ET86P@061E<75A8WD@4'5R<&]S
M97,@06UO=6YT/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT,2PR
M,#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XS.2PT-S0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E1I97(@,2!#87!I=&%L("A4;R!!=F5R86=E($%S<V5T<RDL
M($9O<B!#87!I=&%L($%D97%U86-Y(%!U<G!O<V5S(%)A=&EO/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XT+C`P)3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0N,#`E/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4:65R(#$@0V%P
M:71A;"`H5&\@079E<F%G92!!<W-E=',I+"!4;R!"92!796QL($-A<&ET86QI
M>F5D(%5N9&5R(%!R;VUP="!#;W)R96-T:79E($%C=&EO;B!0<F]V:7-I;VYS
M($%M;W5N=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-3$L-3`U
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M-#DL,S0S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y4:65R(#$@0V%P:71A;"`H5&\@079E<F%G92!!<W-E=',I+"!4
M;R!"92!796QL($-A<&ET86QI>F5D(%5N9&5R(%!R;VUP="!#;W)R96-T:79E
M($%C=&EO;B!0<F]V:7-I;VYS(%)A=&EO/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XU+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C4N,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y!;65R:5-E<G8@1FEN86YC:6%L($)A
M;FL@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#X\<W1R;VYG/E-U;6UA<FEZ960@<F5G=6QA=&]R>2!C87!I=&%L(')A=&EO
M(&]F(&-O;7!A;GD\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y4;W1A;"!#87!I=&%L("A4;R!2:7-K(%=E:6=H=&5D($%S
M<V5T<RDL($%C='5A;"!!;6]U;G0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C$P,RPP,#D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ,#$L-S@V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!#87!I=&%L("A4;R!2:7-K
M(%=E:6=H=&5D($%S<V5T<RDL($%C='5A;"!2871I;SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,3(N,SDE/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3,N,S0E/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!#87!I=&%L
M("A4;R!2:7-K(%=E:6=H=&5D($%S<V5T<RDL($9O<B!#87!I=&%L($%D97%U
M86-Y(%!U<G!O<V5S($%M;W5N=#PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^-C8L-3`V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^-C$L,#8P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y4;W1A;"!#87!I=&%L("A4;R!2:7-K(%=E
M:6=H=&5D($%S<V5T<RDL($9O<B!#87!I=&%L($%D97%U86-Y(%!U<G!O<V5S
M(%)A=&EO/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XX+C`P)3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@N
M,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y4;W1A;"!#87!I=&%L("A4;R!2:7-K(%=E:6=H=&5D($%S<V5T<RDL
M(%1O($)E(%=E;&P@0V%P:71A;&EZ960@56YD97(@4')O;7!T($-O<G)E8W1I
M=F4@06-T:6]N(%!R;W9I<VEO;G,@06UO=6YT/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XX,RPQ,S(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XW-BPS,C4\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L($-A<&ET86P@*%1O
M(%)I<VL@5V5I9VAT960@07-S971S*2P@5&\@0F4@5V5L;"!#87!I=&%L:7IE
M9"!5;F1E<B!0<F]M<'0@0V]R<F5C=&EV92!!8W1I;VX@4')O=FES:6]N<R!2
M871I;SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`N,#`E/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3`N
M,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y4:65R(#$@0V%P:71A;"`H5&\@4FES:R!796EG:'1E9"!!<W-E=',I
M+"!!8W1U86P@06UO=6YT/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XY,BPV,3$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XY,BPR,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E1I97(@,2!#87!I=&%L("A4;R!2:7-K(%=E:6=H
M=&5D($%S<V5T<RDL($%C='5A;"!2871I;SPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,3$N,30E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,3(N,#@E/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4:65R(#$@0V%P:71A;"`H5&\@
M4FES:R!796EG:'1E9"!!<W-E=',I+"!&;W(@0V%P:71A;"!!9&5Q=6%C>2!0
M=7)P;W-E<R!!;6]U;G0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C,S+#(U,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C,P+#4S,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^5&EE<B`Q($-A<&ET86P@*%1O(%)I<VL@5V5I9VAT
M960@07-S971S*2P@1F]R($-A<&ET86P@061E<75A8WD@4'5R<&]S97,@4F%T
M:6\\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0N,#`E/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-"XP,"4\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/E1I97(@,2!#87!I=&%L("A4;R!2:7-K(%=E:6=H=&5D($%S<V5T<RDL(%1O
M($)E(%=E;&P@0V%P:71A;&EZ960@56YD97(@4')O;7!T($-O<G)E8W1I=F4@
M06-T:6]N(%!R;W9I<VEO;G,@06UO=6YT/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XT.2PX-SD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XT-2PW.34\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1I97(@,2!#87!I=&%L("A4;R!2
M:7-K(%=E:6=H=&5D($%S<V5T<RDL(%1O($)E(%=E;&P@0V%P:71A;&EZ960@
M56YD97(@4')O;7!T($-O<G)E8W1I=F4@06-T:6]N(%!R;W9I<VEO;G,@4F%T
M:6\\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8N,#`E/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-BXP,"4\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/E1I97(@,2!#87!I=&%L("A4;R!!=F5R86=E($%S<V5T<RDL($%C='5A;"!!
M;6]U;G0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/CDR+#8Q,3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/CDR
M+#(P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^5&EE<B`Q($-A<&ET86P@*%1O($%V97)A9V4@07-S971S*2P@06-T
M=6%L(%)A=&EO/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XY+C(S
M)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/CDN-34E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y4:65R(#$@0V%P:71A;"`H5&\@079E<F%G92!!<W-E=',I+"!&
M;W(@0V%P:71A;"!!9&5Q=6%C>2!0=7)P;W-E<R!!;6]U;G0\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C0P+#$R-#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,X+#8Q-CQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&EE<B`Q($-A
M<&ET86P@*%1O($%V97)A9V4@07-S971S*2P@1F]R($-A<&ET86P@061E<75A
M8WD@4'5R<&]S97,@4F%T:6\\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C0N,#`E/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-"XP,"4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E1I97(@,2!#87!I=&%L("A4;R!!=F5R86=E($%S
M<V5T<RDL(%1O($)E(%=E;&P@0V%P:71A;&EZ960@56YD97(@4')O;7!T($-O
M<G)E8W1I=F4@06-T:6]N(%!R;W9I<VEO;G,@06UO=6YT/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#X@-3`L,34U/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^(#0X+#(V.3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&EE<B`Q($-A
M<&ET86P@*%1O($%V97)A9V4@07-S971S*2P@5&\@0F4@5V5L;"!#87!I=&%L
M:7IE9"!5;F1E<B!0<F]M<'0@0V]R<F5C=&EV92!!8W1I;VX@4')O=FES:6]N
M<R!2871I;SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-2XP,"4\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU
M+C`P)3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A
M8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?
M.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT96YT
M+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X
M7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T,3(Q+FAT;6P-"D-O;G1E
M;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O;G1E
M;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*/&AT
M;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT96YT
M+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G/CQS
M8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS/B\J
M($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H96%D
M/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60],T1)
M1#!%1$Y"1SX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@
M8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#$^/'-T<F]N9SY005)%3E0@0T]-4$%.
M62!&24Y!3D-)04P@24Y&3U)-051)3TX@*$)A;&%N8V4@4VAE971S*2`H1&5T
M86EL<RD@*%531"`D*3QB<CY);B!4:&]U<V%N9',L('5N;&5S<R!O=&AE<G=I
M<V4@<W!E8VEF:65D/"]S=')O;F<^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S
M/3-$=&@^1&5C+B`S,2P@,C`Q,SQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA
M<W,],T1T:#Y$96,N(#,Q+"`R,#$R/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C
M;&%S<STS1'1H/D1E8RX@,S$L(#(P,3$\8G(^/"]T:#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^05-31513/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-A<V@@86YD(&1U92!F
M<F]M(&1E<&]S:71O<GD@:6YS=&ET=71I;VYS/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XD(#(P+#(X.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,3<L.#`X/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4VAO<G0M=&5R;2!I
M;G9E<W1M96YT<R!I;B!M;VYE>2!M87)K970@9G5N9',\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C8L.#$Q/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-RPR.#(\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G9E<W1M96YT('-E
M8W5R:71I97,@879A:6QA8FQE(&9O<B!S86QE/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ-#$L.3<X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,34Q+#4S.#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]T:&5R(&%S<V5T<SPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-RPT-S@\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV+#DT,#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;W4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y4
M3U1!3"!!4U-%5%,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L
M,#4V+#`S-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C$L,#`P+#DY,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/CDW.2PP-S8\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D
M(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^3$E!0DE,251)15,\
M+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M1W5A<F%N=&5E9"!J=6YI;W(@<W5B;W)D:6YA=&5D(&1E9F5R<F%B;&4@:6YT
M97)E<W0@9&5B96YT=7)E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,3,L,#@U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,3,L,#@U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^3W1H97(@;&EA8FEL:71I97,\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C@L-38W/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3,L,#0T/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O=3X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1/5$%,($Q)
M04))3$E42453/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XY-#(L
M-S(Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^.#DP+#4R,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/CQS=')O;F<^4U1/0TM(3TQ$15)3)R!%455)5%D\+W-T
M<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^5&]T
M86P@<W1O8VMH;VQD97)S)R!E<75I='D\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$Q,RPS,#<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XQ,3`L-#8X/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3$R+#,U,CQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1/5$%,($Q)04))
M3$E42453($%.1"!35$]#2TA/3$1%4E,G($5154E463PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,2PP-38L,#,V/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PP,#`L.3DQ/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H
M/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4&%R96YT
M($-O;7!A;GD@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^/'-T<F]N9SY!4U-%5%,\+W-T<F]N9SX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V%S:"!A;F0@9'5E(&9R;VT@9&5P
M;W-I=&]R>2!I;G-T:71U=&EO;G,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C$P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C$P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E-H;W)T+71E<FT@:6YV97-T;65N=',@:6X@;6]N
M97D@;6%R:V5T(&9U;F1S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XV+#4V,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C8L,#@U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^26YV97-T;65N="!S96-U<FET:65S(&%V86EL86)L
M92!F;W(@<V%L93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,3$L
M.3`Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,3`L-3,T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@
M("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^1W5A<F%N=&5E9"!J=6YI;W(@<W5B;W)D:6YA=&5D(&1E
M9F5R<F%B;&4@:6YT97)E<W0@9&5B96YT=7)E(&ES<W5A;F-E(&-O<W1S/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR,C0\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR-#`\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y/=&AE<B!A
M<W-E=',\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0L,S4R/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPW
M,3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F5U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^5$]404P@05-31513/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ,C<L-S$W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,3(S+#@Q,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^3$E!0DE,251)15,\+W-T
M<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS
M1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1W5A
M<F%N=&5E9"!J=6YI;W(@<W5B;W)D:6YA=&5D(&1E9F5R<F%B;&4@:6YT97)E
M<W0@9&5B96YT=7)E<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M,3,L,#@U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,3,L,#@U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^3W1H97(@;&EA8FEL:71I97,\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$L,S(U/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C4W/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1/5$%,($Q)04))3$E4
M2453/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-"PT,3`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,RPS
M-#(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#X\<W1R;VYG/E-43T-+2$],1$524R<@15%52519/"]S=')O;F<^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1O=&%L('-T;V-K
M:&]L9&5R<R<@97%U:71Y/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XQ,3,L,S`W/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,3$P+#0V.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO
M='(^#0H@("`@("`\='(@8VQA<W,],T1R;W4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y43U1!3"!,24%"24Q)5$E%4R!!3D0@4U1/
M0TM(3TQ$15)3)R!%455)5%D\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$R-RPW,3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ,C,L.#$P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')H/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^4&%R96YT($-O;7!A;GD@6TUE;6)E<ET@
M?"!"86YK:6YG(%-U8G-I9&EA<GD@6TUE;6)E<ET\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!4U-%5%,\+W-T<F]N9SX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^17%U:71Y(&EN
M=F5S=&UE;G0\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/CDY+#(U
M,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/CDY+#$R,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E!A<F5N="!#;VUP86YY(%M-96UB97)=('P@3F]N+4)A;FMI
M;F<@4W5B<VED:6%R:65S(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^05-31513/"]S=')O;F<^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D5Q=6ET>2!I;G9E<W1M
M96YT/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#4L,S(Q/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`U
M+#`Q-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@/"]T
M86)L93X-"B`@/"]B;V1Y/@T*/"]H=&UL/@T*#0HM+2TM+2T]7TYE>'1087)T
M7S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8PT*0V]N=&5N
M="U,;V-A=&EO;CH@9FEL93HO+R]#.B\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P
M.%\W-#,P-S8Q,SDQ-F,O5V]R:W-H965T<R]3:&5E=#$R,BYH=&UL#0I#;VYT
M96YT+51R86YS9F5R+45N8V]D:6YG.B!Q=6]T960M<')I;G1A8FQE#0I#;VYT
M96YT+51Y<&4Z('1E>'0O:'1M;#L@8VAA<G-E=#TB=7,M87-C:6DB#0H-"CQH
M=&UL/@T*("`\:&5A9#X-"B`@("`\345402!H='1P+65Q=6EV/3-$0V]N=&5N
M="U4>7!E(&-O;G1E;G0],T0G=&5X="]H=&UL.R!C:&%R<V5T/75T9BTX)SX\
M<V-R:7!T('1Y<&4],T1T97AT+VIA=F%S8W)I<'0@<W)C/3-$4VAO=RYJ<SXO
M*B!$;R!.;W0@4F5M;W9E(%1H:7,@0V]M;65N="`J+SPO<V-R:7!T/CPO:&5A
M9#X-"B`@/&)O9'D^#0H@("`@/'1A8FQE(&-L87-S/3-$<F5P;W)T(&ED/3-$
M240P15(R1$D^#0H@("`@("`\='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1L
M(&-O;'-P86X],T0Q(')O=W-P86X],T0R/CQS=')O;F<^4$%214Y4($-/35!!
M3ED@1DE.04Y#24%,($E.1D]234%424].("A3=&%T96UE;G1S(&]F($]P97)A
M=&EO;G,I("A$971A:6QS*2`H55-$("0I/&)R/DEN(%1H;W5S86YD<RP@=6YL
M97-S(&]T:&5R=VES92!S<&5C:69I960\+W-T<F]N9SX\+W1H/@T*("`@("`@
M("`\=&@@8VQA<W,],T1T:"!C;VQS<&%N/3-$.#XS($UO;G1H<R!%;F1E9#PO
M=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0S/C$R($UO
M;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*("`@
M("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@
M("`@("`@(#QT:"!C;&%S<STS1'1H/E-E<"X@,S`L(#(P,3,\8G(^/"]T:#X-
M"B`@("`@("`@/'1H(&-L87-S/3-$=&@^2G5N+B`S,"P@,C`Q,SQB<CX\+W1H
M/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y-87(N(#,Q+"`R,#$S/&)R/CPO
M=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3(\8G(^
M/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q,CQB
M<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y*=6XN(#,P+"`R,#$R
M/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/DUA<BX@,S$L(#(P
M,3(\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@
M,C`Q,SQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q
M+"`R,#$R/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@
M,S$L(#(P,3$\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/CQS=')O;F<^24Y#3TU%/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YT97)E<W0@86YD(&1I=FED96YD
M(&EN8V]M93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q,"PR
M,#,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XD(#DL.#$Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^)"`Y+#8R-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/B0@.2PW,#(\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#DL.#<X/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q,"PP,S`\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#DL.#@U
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M)"`Q,"PQ,C0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XD(#,Y+#,T,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/B0@,SDL.3$W/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`T,2PY-C0\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@
M("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^15A0
M14Y313PO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/DEN=&5R97-T(&5X<&5N<V4\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C$L-C`U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,2PV,3$\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#8P-CQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L-C8P/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PW.38\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#@X
M.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$L.38T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,BPP-C8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XV+#0X,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/C<L-S$T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^.2PV.#$\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-A;&%R:65S(&%N9"!E;7!L
M;WEE92!B96YE9FET<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XR-2PQ,34\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XR-"PT,C0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XR,BPV,38\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]T:&5R(&5X<&5N<V4\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-2PQ,#4\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU+#`W
M,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C4L,3(T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F5U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^4%)%5$%8($E.0T]-13PO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,BPW,3D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ+#<W,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C$L-3`T/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PT.#8\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#`T-CQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L.3`T/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPP.#<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR
M+#(T,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C<L-#@R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-RPR.#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XY+#,Y,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA
M<W,],T1P;"!V86QI9VX],T1T;W`^0F5N969I="!F;W(@:6YC;VUE('1A>&5S
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@X-S@I/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH-30W*3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#0S-"D\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@T
M,S`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;3XH,S$Q*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6T^*#4Y-RD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@V-34I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;3XH-C<X*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6T^*#(L,C@Y*3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#(L,C0Q*3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#(L.#4S*3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E
M=3X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DY%5"!)
M3D-/344\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L.#0Q/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PR
M,C8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XQ+#`W,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C$L,#4V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^-S,U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^,2PS,#<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ+#0S,CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L-38U/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-2PQ.3,\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XU+#`S.3QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8L-3,W
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^0V]M<')E:&5N<VEV92!I;F-O;64\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^-"PV.3<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XS+#,R,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<L-S,Y/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y087)E;G0@0V]M
M<&%N>2!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/CQS=')O;F<^24Y#3TU%/"]S=')O;F<^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^26YT97(M96YT
M:71Y(&UA;F%G96UE;G0@86YD(&]T:&5R(&9E97,\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPS-34\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#,U-3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L,S(Y/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G1E
M<F5S="!A;F0@9&EV:61E;F0@:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C(T,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C,P-CQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0Q-3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1/5$%,($E.0T]-13PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XX+#<W,SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$Q
M+#,W,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C4L.#8T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#X\<W1R;VYG/D584$5.4T4\+W-T<F]N9SX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G1E<F5S="!E
M>'!E;G-E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C$L,3(Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^,2PQ,C$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ+#$R,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^4V%L87)I97,@86YD(&5M<&QO>65E(&)E;F5F
M:71S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L
M-3`R/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,BPS-C@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XR+#,Y-#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^3W1H97(@97AP96YS93PO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#8P.#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L-3@R/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PT-S<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;W4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y43U1!
M3"!%6%!%3E-%/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C4L,C,Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^-2PP-S$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XT+#DY,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E=3X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!2151!6"!)3D-/344\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPU-#(\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV+#,P,#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@W,CQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M0F5N969I="!F;W(@:6YC;VUE('1A>&5S/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C@Y-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C@Q.3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<V-#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^17%U:71Y(&EN('5N9&ES
M=')I8G5T960@96%R;FEN9W,@;V8@<W5B<VED:6%R:65S/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C<U-CQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#(L,#@P*3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C0L.3`Q/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M3D54($E.0T]-13PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T
M97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XU+#$Y,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/C4L,#,Y/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;7`^-BPU,S<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y#;VUP<F5H96YS:79E(&EN8V]M93PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT+#8Y-SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,L
M,S(P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-RPW,SD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R:#X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L
M:6=N/3-$=&]P/E!A<F5N="!#;VUP86YY(%M-96UB97)=('P@0F%N:VEN9R!3
M=6)S:61I87)Y(%M-96UB97)=/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T
M<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY)3D-/344\+W-T<F]N9SX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y$:79I
M9&5N9',@9G)O;2!S=6)S:61I87)I97,\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^-2PU,#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XX+#`P,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L-3`P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F@^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y087)E;G0@0V]M
M<&%N>2!;365M8F5R72!\($YO;B!"86YK:6YG(%-U8G-I9&EA<FEE<R!;365M
M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@
M8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$
M=&]P/CQS=')O;F<^24Y#3TU%/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^1&EV:61E;F1S(&9R;VT@<W5B
M<VED:6%R:65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^
M)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT
M/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X
M=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E
M>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/B0@-C<U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^)"`W,3`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XD(#8R,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM
M+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V
M,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y
M7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T
M,3(S+FAT;6P-"D-O;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP
M<FEN=&%B;&4-"D-O;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U
M<RUA<V-I:2(-"@T*/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M
M97%U:78],T1#;VYT96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H
M87)S970]=71F+3@G/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S
M<F,],T13:&]W+FIS/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO
M/"]S8W)I<'0^/"]H96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,]
M,T1R97!O<G0@:60],T1)1#!%3$U"1SX-"B`@("`@(#QT<CX-"B`@("`@("`@
M/'1H(&-L87-S/3-$=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N
M9SY005)%3E0@0T]-4$%.62!&24Y!3D-)04P@24Y&3U)-051)3TX@*%-T871E
M;65N=',@;V8@0V%S:"!&;&]W<RD@*$1E=&%I;',I("A54T0@)"D\8G(^26X@
M5&AO=7-A;F1S+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG
M/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0S/C$R
M($UO;G1H<R!%;F1E9#PO=&@^#0H@("`@("`\+W1R/@T*("`@("`@/'1R/@T*
M("`@("`@("`\=&@@8VQA<W,],T1T:#Y$96,N(#,Q+"`R,#$S/&)R/CPO=&@^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3(\8G(^/"]T
M:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@,C`Q,3QB<CX\
M+W1H/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@
M("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY/4$52
M051)3D<@04-4259)5$E%4SPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#Y.970@:6YC;VUE/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XD(#4L,3DS/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`U+#`S.3QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-BPU,S<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O;F<^
M061J=7-T;65N=',@=&\@<F5C;VYC:6QE(&YE="!I;F-O;64@=&\@;F5T(&-A
M<V@@<')O=FED960@8GD@;W!E<F%T:6YG(&%C=&EV:71I97,Z/"]S=')O;F<^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;W4^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.970@8V%S
M:"!P<F]V:61E9"!B>2!O<&5R871I;F<@86-T:79I=&EE<SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^,30L.#4T/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPR,3(\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,"PW.30\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/CQS=')O
M;F<^24Y615-424Y'($%#5$E6251)15,\+W-T<F]N9SX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@
M8VQA<W,],T1P;"!V86QI9VX],T1T;W`^4')O8V5E9',@9G)O;2!M871U<FET
M:65S(&]F(&EN=F5S=&UE;G0@<V5C=7)I=&EE<R`M(&%V86EL86)L92!F;W(@
M<V%L93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#,L,S`W/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-3DL
M.#`P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-3,L,C0S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F5U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V
M86QI9VX],T1T;W`^3F5T(&-A<V@@=7-E9"!I;B!I;G9E<W1I;F<@86-T:79I
M=&EE<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH-C8L,S`Q*3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#,R
M+#$U-"D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B@Q-"PP-S0I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L
M('9A;&EG;CTS1'1O<#X\<W1R;VYG/D9)3D%.0TE.1R!!0U1)5DE42453/"]S
M=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E1!
M4E`@=V%R<F%N="!R97!U<F-H87-E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$=&5X=#XG)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#@R-2D\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!R969E
M<G)E9"!S=&]C:R!D:79I9&5N9"!P86ED/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M/B@R,#DI/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1&YU;3XH.#(X*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6T^*#$L,#4T*3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V]M;6]N('-T;V-K(&1I=FED
M96YD('!A:60\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#4V-BD\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG
M)FYB<W`[)FYB<W`[/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O=3X-"B`@("`@("`@
M/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYE="!C87-H('!R;W9I9&5D
M(&)Y(&9I;F%N8VEN9R!A8W1I=FET:65S/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XU-"PV.3,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XR,"PY-SD\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ."PW,C8\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^#0H@("`@
M("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.150@24Y#4D5!4T4@
M*$1%0U)%05-%*2!)3B!#05-(($%.1"!#05-(($5154E604Q%3E13/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XS+#(T-CQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#<L.38S*3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$U+#0T-CQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M0T%32"!!3D0@0T%32"!%455)5D%,14Y44R!!5"!*04Y505)9(#$\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(V+#@R,#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,T+#<X,SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$Y+#,S-SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S
M<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^
M0T%32"!!3D0@0T%32"!%455)5D%,14Y44R!!5"!$14-%34)%4B`S,3PO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S`L,#8V/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,C8L.#(P/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S0L-S@S
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L
M87-S/3-$<F@^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O
M<#Y087)E;G0@0V]M<&%N>2!;365M8F5R73PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R
M/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS
M1'!L('9A;&EG;CTS1'1O<#X\<W1R;VYG/D]015)!5$E.1R!!0U1)5DE42453
M/"]S=')O;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA
M<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P
M/DYE="!I;F-O;64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C4L
M,3DS/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^-2PP,SD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XV+#4S-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^/'-T<F]N9SY!9&IU<W1M96YT<R!T;R!R96-O;F-I
M;&4@;F5T(&EN8V]M92!T;R!N970@8V%S:"!P<F]V:61E9"!B>2!O<&5R871I
M;F<@86-T:79I=&EE<SH\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^17%U:71Y(&EN('5N9&ES=')I8G5T960@96%R;FEN
M9W,@;V8@<W5B<VED:6%R:65S/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B@W-38I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^,BPP.#`\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M/B@T+#DP,2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L
M87-S/3-$<&P@=F%L:6=N/3-$=&]P/E-T;V-K(&-O;7!E;G-A=&EO;B!E>'!E
M;G-E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XX,CQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,X/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,34\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,]
M,T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D]T
M:&5R("T@;F5T/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@W,3@I
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH
M.3@Y*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6T^*#(X-2D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@
M("`\='(@8VQA<W,],T1R974^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y.970@8V%S:"!P<F]V:61E9"!B>2!O<&5R871I;F<@86-T
M:79I=&EE<SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPX,#$\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XV
M+#$V.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/C$L,S8V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#X\<W1R;VYG/DE.5D535$E.1R!!0U1)5DE42453/"]S=')O
M;F<^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/E!U<F-H
M87-E(&]F(&EN=F5S=&UE;G0@<V5C=7)I=&EE<R`M(&%V86EL86)L92!F;W(@
M<V%L93PO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,RPX.#4I/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,BPP
M-S<I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;3XH,RPP-#DI/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@
M("`@/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A
M;&EG;CTS1'1O<#Y0<F]C965D<R!F<F]M(&UA='5R:71I97,@;V8@:6YV97-T
M;65N="!S96-U<FET:65S("T@879A:6QA8FQE(&9O<B!S86QE/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#4P-CQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L.#`Y/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-2PY-#(\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R
M974^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.970@
M8V%S:"!U<V5D(&EN(&EN=F5S=&EN9R!A8W1I=FET:65S/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M/B@Q+#,W.2D\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW,S(\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#@Y,SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*
M("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^/'-T<F]N9SY&
M24Y!3D-)3D<@04-4259)5$E%4SPO<W1R;VYG/CPO=&0^#0H@("`@("`@(#QT
M9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\
M+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'!L('9A;&EG;CTS1'1O<#Y0=7)C:&%S92!O9B!R96=U;&%T;W)Y('-T
M;V-K/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q+#$W,2D\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@T+#0Q
M-RD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M/B@U.#(I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@
M/'1R(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG
M;CTS1'1O<#Y405)0('=A<G)A;G0@<F5P=7)C:&%S93PO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@X
M,C4I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F4^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y0<F5F97)R960@<W1O8VL@9&EV:61E;F0@<&%I9#PO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;3XH,C`Y*3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#@R."D\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@Q+#`U-"D\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R;SX-
M"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/D-O;6UO;B!S
M=&]C:R!D:79I9&5N9"!P86ED/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M/B@U-C8I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1'1E>'0^)R9N8G-P.R9N8G-P.SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y.970@8V%S
M:"!P<F]V:61E9"!B>2!F:6YA;F-I;F<@86-T:79I=&EE<SPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;3XH,2PY-#8I/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH-2PR-#4I/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,BPT-C$I/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$
M<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^3D54
M($E.0U)%05-%("A$14-214%312D@24X@0T%32"!!3D0@0T%32"!%455)5D%,
M14Y44SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#<V/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,2PV-34\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ
M+#<Y.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT
M<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^0T%32"!!3D0@0T%32"!%455)5D%,14Y44R!!5"!*04Y505)9(#$\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C8L,3@U/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-"PU,S`\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#<S
M,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C
M;&%S<STS1')O/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T
M;W`^0T%32"!!3D0@0T%32"!%455)5D%,14Y44R!!5"!$14-%34)%4B`S,3PO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`V+#8V,3QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-BPQ.#4\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD
M(#0L-3,P/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@(#PO
M=&%B;&4^#0H@(#PO8F]D>3X-"CPO:'1M;#X-"@T*+2TM+2TM/5].97AT4&%R
M=%\X,C,R8S1A.5\T-C`P7S0Y-SA?.3(P.%\W-#,P-S8Q,SDQ-F,-"D-O;G1E
M;G0M3&]C871I;VXZ(&9I;&4Z+R\O0SHO.#(S,F,T83E?-#8P,%\T.3<X7SDR
M,#A?-S0S,#<V,3,Y,39C+U=O<FMS:&5E=',O4VAE970Q,C0N:'1M;`T*0V]N
M=&5N="U4<F%N<V9E<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N
M=&5N="U4>7!E.B!T97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\
M:'1M;#X-"B`@/&AE860^#0H@("`@/$U%5$$@:'1T<"UE<75I=CTS1$-O;G1E
M;G0M5'EP92!C;VYT96YT/3-$)W1E>'0O:'1M;#L@8VAA<G-E=#UU=&8M."<^
M/'-C<FEP="!T>7!E/3-$=&5X="]J879A<V-R:7!T('-R8STS1%-H;W<N:G,^
M+RH@1&\@3F]T(%)E;6]V92!4:&ES($-O;6UE;G0@*B\\+W-C<FEP=#X\+VAE
M860^#0H@(#QB;V1Y/@T*("`@(#QT86)L92!C;&%S<STS1')E<&]R="!I9#TS
M1$E$,$5313X-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$=&P@
M8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#$^/'-T<F]N9SY005)%3E0@0T]-4$%.
M62!&24Y!3D-)04P@24Y&3U)-051)3TX@*$YA<G)A=&EV92D@*$1E=&%I;',I
M("A54T0@)"D\8G(^26X@5&AO=7-A;F1S+"!U;FQE<W,@;W1H97)W:7-E('-P
M96-I9FEE9#PO<W1R;VYG/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H
M/D1E8RX@,S$L(#(P,3,\8G(^/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/CQS=')O;F<^4$%214Y4($-/35!!3ED@1DE.04Y#24%,($E.1D]2
M34%424].(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^
M#0H@("`@("`\='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/E)E<W1R:6-T960@<W5R<&QU<R!A;F0@<F5T86EN
M960@96%R;FEN9W,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@
M,3`U+#8P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\
M+W1A8FQE/@T*("`\+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A
M<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT
M96YT+4QO8V%T:6]N.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y
M,C`X7S<T,S`W-C$S.3$V8R]7;W)K<VAE971S+U-H965T,3(U+FAT;6P-"D-O
M;G1E;G0M5')A;G-F97(M16YC;V1I;F<Z('%U;W1E9"UP<FEN=&%B;&4-"D-O
M;G1E;G0M5'EP93H@=&5X="]H=&UL.R!C:&%R<V5T/2)U<RUA<V-I:2(-"@T*
M/&AT;6P^#0H@(#QH96%D/@T*("`@(#Q-151!(&AT='`M97%U:78],T1#;VYT
M96YT+51Y<&4@8V]N=&5N=#TS1"=T97AT+VAT;6P[(&-H87)S970]=71F+3@G
M/CQS8W)I<'0@='EP93TS1'1E>'0O:F%V87-C<FEP="!S<F,],T13:&]W+FIS
M/B\J($1O($YO="!296UO=F4@5&AI<R!#;VUM96YT("HO/"]S8W)I<'0^/"]H
M96%D/@T*("`\8F]D>3X-"B`@("`\=&%B;&4@8VQA<W,],T1R97!O<G0@:60]
M,T1)1#!%5C-"1SX-"B`@("`@(#QT<CX-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&P@8V]L<W!A;CTS1#$@<F]W<W!A;CTS1#(^/'-T<F]N9SY314Q%0U1%1"!1
M54%25$523%D@0T].4T],241!5$5$($9)3D%.0TE!3"!$051!("A$971A:6QS
M*2`H55-$("0I/&)R/DEN(%1H;W5S86YD<RP@97AC97!T(%!E<B!3:&%R92!D
M871A+"!U;FQE<W,@;W1H97)W:7-E('-P96-I9FEE9#PO<W1R;VYG/CPO=&@^
M#0H@("`@("`@(#QT:"!C;&%S<STS1'1H(&-O;'-P86X],T0X/C,@36]N=&AS
M($5N9&5D/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@@8V]L<W!A;CTS
M1#,^,3(@36]N=&AS($5N9&5D/"]T:#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/D1E8RX@,S$L(#(P,3,\8G(^
M/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^4V5P+B`S,"P@,C`Q,SQB
M<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y*=6XN(#,P+"`R,#$S
M/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/DUA<BX@,S$L(#(P
M,3,\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^1&5C+B`S,2P@
M,C`Q,CQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y397`N(#,P
M+"`R,#$R/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H/DIU;BX@
M,S`L(#(P,3(\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$=&@^36%R
M+B`S,2P@,C`Q,CQB<CX\+W1H/@T*("`@("`@("`\=&@@8VQA<W,],T1T:#Y$
M96,N(#,Q+"`R,#$S/&)R/CPO=&@^#0H@("`@("`@(#QT:"!C;&%S<STS1'1H
M/D1E8RX@,S$L(#(P,3(\8G(^/"]T:#X-"B`@("`@("`@/'1H(&-L87-S/3-$
M=&@^1&5C+B`S,2P@,C`Q,3QB<CX\+W1H/@T*("`@("`@/"]T<CX-"B`@("`@
M(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI
M9VX],T1T;W`^/'-T<F]N9SY314Q%0U1%1"!154%25$523%D@0T].4T],241!
M5$5$($9)3D%.0TE!3"!$051!(%M!8G-T<F%C=%T\+W-T<F]N9SX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1'1E>'0^)SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1T97AT/B<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$=&5X=#XG/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F\^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G1E<F5S
M="!I;F-O;64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,3`L
M,C`S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^)"`Y+#@Q,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/B0@.2PV,C<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XD(#DL-S`R/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Y+#@W.#QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,3`L,#,P/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Y+#@X
M-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/B0@,3`L,3(T/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S
M<STS1&YU;7`^)"`S.2PS-#,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XD(#,Y+#DQ-SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-#$L.38T/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S/3-$<F4^#0H@
M("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y);G1E<F5S="!E
M>'!E;G-E/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#8P-3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L
M-C$Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,2PV,#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ+#8V,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C$L-SDV/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,2PX.#@\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ+#DV-#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L,#8V/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-BPT.#(\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW+#<Q-#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/CDL
M-C@Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F]U/@T*("`@("`@("`\=&0@8VQA<W,],T1P;"!V86QI9VX]
M,T1T;W`^3F5T($EN=&5R97-T($EN8V]M93PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^."PU.3@\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XX+#(P,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C@L,#(Q/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^."PP-#(\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XX+#`X,CQS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@L,30R/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-RPY
M,C$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XX+#`U.#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C,R+#@V,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C,R+#(P,SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/C,R+#(X,SQS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')E/@T*("`@("`@("`\
M=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0W)E9&ET('!R;W9I<VEO;B!F
M;W(@;&]A;B!L;W-S97,\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^
M*#$L,#`P*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1T97AT/B<F;F)S<#LF;F)S<#L\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ-3`\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M/B@R-3`I/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-34P/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,C`P*3QS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6T^*#4P,"D\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M/B@V,C4I/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;3XH,2PQ
M,#`I/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;3XH-S<U*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6T^*#,L-3<U*3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-
M"B`@("`@(#QT<B!C;&%S<STS1')O=3X-"B`@("`@("`@/'1D(&-L87-S/3-$
M<&P@=F%L:6=N/3-$=&]P/DYE="!);G1E<F5S="!);F-O;64@869T97(@8W)E
M9&ET('!R;W9I<VEO;B!F;W(@3&]A;B!,;W-S97,\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/CDL-3DX/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^."PR,#`\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW+#@W,3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C@L,CDR/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-RPU,S(\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XX+#,T
M,CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/C@L-#(Q/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS
M1&YU;7`^."PV.#,\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XS,RPY-C$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XS,BPY-S@\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XS-2PX-3@\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@
M("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N/3-$=&]P/DYO;BUI;G1E<F5S="!I
M;F-O;64\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C,L.#8W/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPY
M.#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XT+#`W-3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C,L.#$V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^,RPX.#<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XS+#8T.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/C,L-S,S/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,RPV-S0\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-2PW-#0\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ-"PY-#,\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ
M,RPU-CD\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\
M='(@8VQA<W,],T1R;SX-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@=F%L:6=N
M/3-$=&]P/DYO;BUI;G1E<F5S="!E>'!E;G-E/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XQ,"PW-#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XQ,"PT,3,\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,"PT-#(\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,"PV,C(\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ,"PS-S,\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XQ
M,"PP.#<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XQ,"PP-C<\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L
M87-S/3-$;G5M<#XQ,"PQ,30\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@
M/'1D(&-L87-S/3-$;G5M<#XT,BPR,C,\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XT,"PV-#$\<W!A;CX\+W-P86X^/"]T
M9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XT,"PP,S<\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@(#PO='(^#0H@("`@("`\='(@8VQA<W,],T1R974^
M#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y04D5405@@
M24Y#3TU%/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#<Q.3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C$L
M-S<S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU
M;7`^,2PU,#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XQ+#0X-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/C$L,#0V/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^,2PY,#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@
M("`@("`@/'1D(&-L87-S/3-$;G5M<#XR+#`X-SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/C(L,C0S/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-RPT.#(\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XW+#(X,#QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/CDL
M,SDP/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R
M(&-L87-S/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS
M1'1O<#Y0<F]V:7-I;VX@9F]R(&EN8V]M92!T87AE<SPO=&0^#0H@("`@("`@
M(#QT9"!C;&%S<STS1&YU;7`^.#<X/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^-30W/'-P86X^/"]S<&%N/CPO=&0^#0H@
M("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#,T/'-P86X^/"]S<&%N/CPO=&0^
M#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-#,P/'-P86X^/"]S<&%N/CPO
M=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,S$Q/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-3DW/'-P86X^/"]S
M<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C4U/'-P86X^
M/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^-C<X/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^,BPR
M.#D\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XR+#(T,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/C(L.#4S/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*
M("`@("`@/'1R(&-L87-S/3-$<F5U/@T*("`@("`@("`\=&0@8VQA<W,],T1P
M;"!V86QI9VX],T1T;W`^3D54($E.0T]-13PO=&0^#0H@("`@("`@(#QT9"!C
M;&%S<STS1&YU;7`^)"`Q+#@T,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@,2PR,C8\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#$L,#<P/'-P86X^/"]S<&%N
M/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`Q+#`U-CQS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-S,U
M/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^
M)"`Q+#,P-SQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/B0@,2PT,S(\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XD(#$L-38U/'-P86X^/"]S<&%N/CPO=&0^#0H@("`@
M("`@(#QT9"!C;&%S<STS1&YU;7`^)"`U+#$Y,SQS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@-2PP,SD\<W!A;CX\+W-P
M86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#8L-3,W/'-P
M86X^/"]S<&%N/CPO=&0^#0H@("`@("`\+W1R/@T*("`@("`@/'1R(&-L87-S
M/3-$<F\^#0H@("`@("`@(#QT9"!C;&%S<STS1'!L('9A;&EG;CTS1'1O<#Y"
M87-I8SPO=&0^#0H@("`@("`@(#QT9"!C;&%S<STS1&YU;7`^)"`P+C$\<W!A
M;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#`N
M,#8\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M
M<#XD(#`N,#4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S
M/3-$;G5M<#XD(#`N,#4\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D
M(&-L87-S/3-$;G5M<#XD(#`N,#0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@
M("`@/'1D(&-L87-S/3-$;G5M<#XD(#`N,#4\<W!A;CX\+W-P86X^/"]T9#X-
M"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#`N,#8\<W!A;CX\+W-P86X^
M/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#`N,#8\<W!A;CX\
M+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD(#`N,C8\
M<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$;G5M<#XD
M(#`N,C$\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@("`@/'1D(&-L87-S/3-$
M;G5M<#XD(#`N,C0\<W!A;CX\+W-P86X^/"]T9#X-"B`@("`@(#PO='(^#0H@
M("`@("`\='(@8VQA<W,],T1R93X-"B`@("`@("`@/'1D(&-L87-S/3-$<&P@
M=F%L:6=N/3-$=&]P/D1I;'5T960\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/B0@,"XP.3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@,"XP-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@,"XP-3QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,"XP-3QS<&%N/CPO<W!A;CX\
M+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,"XP-#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,"XP-3QS
M<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@
M,"XP-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N
M=6UP/B0@,"XP-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA
M<W,],T1N=6UP/B0@,"XR-CQS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/B0@,"XR,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,"XR-#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@/"]T<CX-"B`@("`@(#QT<B!C;&%S<STS1')O/@T*("`@("`@
M("`\=&0@8VQA<W,],T1P;"!V86QI9VX],T1T;W`^0V%S:"!D:79I9&5N9',@
M9&5C;&%R960\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,"XP
M,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP
M/B0@,"XP,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,]
M,T1N=6UP/B0@,"XP,3QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\=&0@
M8VQA<W,],T1N=6UP/B0@,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@("`\
M=&0@8VQA<W,],T1N=6UP/B0@,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@("`@
M("`\=&0@8VQA<W,],T1N=6UP/B0@,#QS<&%N/CPO<W!A;CX\+W1D/@T*("`@
M("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,#QS<&%N/CPO<W!A;CX\+W1D/@T*
M("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,#QS<&%N/CPO<W!A;CX\+W1D
M/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,"XP,SQS<&%N/CPO<W!A
M;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,#QS<&%N/CPO
M<W!A;CX\+W1D/@T*("`@("`@("`\=&0@8VQA<W,],T1N=6UP/B0@,#QS<&%N
M/CPO<W!A;CX\+W1D/@T*("`@("`@/"]T<CX-"B`@("`\+W1A8FQE/@T*("`\
M+V)O9'D^#0H\+VAT;6P^#0H-"BTM+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?
M-#8P,%\T.3<X7SDR,#A?-S0S,#<V,3,Y,39C#0I#;VYT96YT+4QO8V%T:6]N
M.B!F:6QE.B\O+T,Z+S@R,S)C-&$Y7S0V,#!?-#DW.%\Y,C`X7S<T,S`W-C$S
M.3$V8R]7;W)K<VAE971S+V9I;&5L:7-T+GAM;`T*0V]N=&5N="U4<F%N<V9E
M<BU%;F-O9&EN9SH@<75O=&5D+7!R:6YT86)L90T*0V]N=&5N="U4>7!E.B!T
M97AT+VAT;6P[(&-H87)S970](G5S+6%S8VEI(@T*#0H\>&UL('AM;&YS.F\]
M,T0B=7)N.G-C:&5M87,M;6EC<F]S;V9T+6-O;3IO9F9I8V4Z;V9F:6-E(CX-
M"B`\;SI-86EN1FEL92!(4F5F/3-$(BXN+U=O<FMB;V]K+FAT;6PB+SX-"B`\
M;SI&:6QE($A2968],T0B4VAE970P,2YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F
M/3-$(E-H965T,#(N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#`S
M+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970P-"YH=&UL(B\^#0H@
M/&\Z1FEL92!(4F5F/3-$(E-H965T,#4N:'1M;"(O/@T*(#QO.D9I;&4@2%)E
M9CTS1")3:&5E=#`V+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970P
M-RYH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T,#@N:'1M;"(O/@T*
M(#QO.D9I;&4@2%)E9CTS1")3:&5E=#`Y+FAT;6PB+SX-"B`\;SI&:6QE($A2
M968],T0B4VAE970Q,"YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T
M,3$N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#$R+FAT;6PB+SX-
M"B`\;SI&:6QE($A2968],T0B4VAE970Q,RYH=&UL(B\^#0H@/&\Z1FEL92!(
M4F5F/3-$(E-H965T,30N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E
M=#$U+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970Q-BYH=&UL(B\^
M#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T,3<N:'1M;"(O/@T*(#QO.D9I;&4@
M2%)E9CTS1")3:&5E=#$X+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE
M970Q.2YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T,C`N:'1M;"(O
M/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#(Q+FAT;6PB+SX-"B`\;SI&:6QE
M($A2968],T0B4VAE970R,BYH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H
M965T,C,N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#(T+FAT;6PB
M+SX-"B`\;SI&:6QE($A2968],T0B4VAE970R-2YH=&UL(B\^#0H@/&\Z1FEL
M92!(4F5F/3-$(E-H965T,C8N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3
M:&5E=#(W+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970R."YH=&UL
M(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T,CDN:'1M;"(O/@T*(#QO.D9I
M;&4@2%)E9CTS1")3:&5E=#,P+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B
M4VAE970S,2YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T,S(N:'1M
M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#,S+FAT;6PB+SX-"B`\;SI&
M:6QE($A2968],T0B4VAE970S-"YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$
M(E-H965T,S4N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#,V+FAT
M;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970S-RYH=&UL(B\^#0H@/&\Z
M1FEL92!(4F5F/3-$(E-H965T,S@N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS
M1")3:&5E=#,Y+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970T,"YH
M=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T-#$N:'1M;"(O/@T*(#QO
M.D9I;&4@2%)E9CTS1")3:&5E=#0R+FAT;6PB+SX-"B`\;SI&:6QE($A2968]
M,T0B4VAE970T,RYH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T-#0N
M:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#0U+FAT;6PB+SX-"B`\
M;SI&:6QE($A2968],T0B4VAE970T-BYH=&UL(B\^#0H@/&\Z1FEL92!(4F5F
M/3-$(E-H965T-#<N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#0X
M+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970T.2YH=&UL(B\^#0H@
M/&\Z1FEL92!(4F5F/3-$(E-H965T-3`N:'1M;"(O/@T*(#QO.D9I;&4@2%)E
M9CTS1")3:&5E=#4Q+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970U
M,BYH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T-3,N:'1M;"(O/@T*
M(#QO.D9I;&4@2%)E9CTS1")3:&5E=#4T+FAT;6PB+SX-"B`\;SI&:6QE($A2
M968],T0B4VAE970U-2YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T
M-38N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#4W+FAT;6PB+SX-
M"B`\;SI&:6QE($A2968],T0B4VAE970U."YH=&UL(B\^#0H@/&\Z1FEL92!(
M4F5F/3-$(E-H965T-3DN:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E
M=#8P+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970V,2YH=&UL(B\^
M#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T-C(N:'1M;"(O/@T*(#QO.D9I;&4@
M2%)E9CTS1")3:&5E=#8S+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE
M970V-"YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T-C4N:'1M;"(O
M/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#8V+FAT;6PB+SX-"B`\;SI&:6QE
M($A2968],T0B4VAE970V-RYH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H
M965T-C@N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#8Y+FAT;6PB
M+SX-"B`\;SI&:6QE($A2968],T0B4VAE970W,"YH=&UL(B\^#0H@/&\Z1FEL
M92!(4F5F/3-$(E-H965T-S$N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3
M:&5E=#<R+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970W,RYH=&UL
M(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T-S0N:'1M;"(O/@T*(#QO.D9I
M;&4@2%)E9CTS1")3:&5E=#<U+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B
M4VAE970W-BYH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T-S<N:'1M
M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#<X+FAT;6PB+SX-"B`\;SI&
M:6QE($A2968],T0B4VAE970W.2YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$
M(E-H965T.#`N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#@Q+FAT
M;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970X,BYH=&UL(B\^#0H@/&\Z
M1FEL92!(4F5F/3-$(E-H965T.#,N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS
M1")3:&5E=#@T+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970X-2YH
M=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T.#8N:'1M;"(O/@T*(#QO
M.D9I;&4@2%)E9CTS1")3:&5E=#@W+FAT;6PB+SX-"B`\;SI&:6QE($A2968]
M,T0B4VAE970X."YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T.#DN
M:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#DP+FAT;6PB+SX-"B`\
M;SI&:6QE($A2968],T0B4VAE970Y,2YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F
M/3-$(E-H965T.3(N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#DS
M+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970Y-"YH=&UL(B\^#0H@
M/&\Z1FEL92!(4F5F/3-$(E-H965T.34N:'1M;"(O/@T*(#QO.D9I;&4@2%)E
M9CTS1")3:&5E=#DV+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970Y
M-RYH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T.3@N:'1M;"(O/@T*
M(#QO.D9I;&4@2%)E9CTS1")3:&5E=#DY+FAT;6PB+SX-"B`\;SI&:6QE($A2
M968],T0B4VAE970Q,#`N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E
M=#$P,2YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T,3`R+FAT;6PB
M+SX-"B`\;SI&:6QE($A2968],T0B4VAE970Q,#,N:'1M;"(O/@T*(#QO.D9I
M;&4@2%)E9CTS1")3:&5E=#$P-"YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$
M(E-H965T,3`U+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970Q,#8N
M:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#$P-RYH=&UL(B\^#0H@
M/&\Z1FEL92!(4F5F/3-$(E-H965T,3`X+FAT;6PB+SX-"B`\;SI&:6QE($A2
M968],T0B4VAE970Q,#DN:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E
M=#$Q,"YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T,3$Q+FAT;6PB
M+SX-"B`\;SI&:6QE($A2968],T0B4VAE970Q,3(N:'1M;"(O/@T*(#QO.D9I
M;&4@2%)E9CTS1")3:&5E=#$Q,RYH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$
M(E-H965T,3$T+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970Q,34N
M:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#$Q-BYH=&UL(B\^#0H@
M/&\Z1FEL92!(4F5F/3-$(E-H965T,3$W+FAT;6PB+SX-"B`\;SI&:6QE($A2
M968],T0B4VAE970Q,3@N:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E
M=#$Q.2YH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$(E-H965T,3(P+FAT;6PB
M+SX-"B`\;SI&:6QE($A2968],T0B4VAE970Q,C$N:'1M;"(O/@T*(#QO.D9I
M;&4@2%)E9CTS1")3:&5E=#$R,BYH=&UL(B\^#0H@/&\Z1FEL92!(4F5F/3-$
M(E-H965T,3(S+FAT;6PB+SX-"B`\;SI&:6QE($A2968],T0B4VAE970Q,C0N
M:'1M;"(O/@T*(#QO.D9I;&4@2%)E9CTS1")3:&5E=#$R-2YH=&UL(B\^#0H\
M+WAM;#X-"BTM+2TM+3U?3F5X=%!A<G1?.#(S,F,T83E?-#8P,%\T.3<X7SDR
3,#A?-S0S,#<V,3,Y,39C+2T-"@``
`
end

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>57
<FILENAME>R43.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtAbstract', window );"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock', window );">Schedule of Balances and Advances</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> MATURING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">WEIGHTED AVERAGE YIELD</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">BALANCE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Overnight</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.25%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>41,555</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2015</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.52</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4,000</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2016</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.81</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>12,000</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2017</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.07</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>7,000</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2018</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>1.47</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>2,000</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total advances</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>0.89</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>25,000</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total FHLB borrowings</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> <strong>0.49%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>66,555</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> MATURING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">WEIGHTED AVERAGE YIELD</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">BALANCE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Overnight</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.25</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 15,660</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2015</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.52</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,000</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2016</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.74</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,000</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2017</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> 0.92</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 4,000</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total advances</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> 0.73</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 13,000</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total FHLB borrowings</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> 0.47</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 28,660</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebtAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LongTermDebtAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of advances by federal home loan bank by branch.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64711-112823<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13,16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13, 16<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>58
<FILENAME>R29.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>DERIVATIVE HEDGING INSTRUMENTS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract', window );"><strong>DERIVATIVE HEDGING INSTRUMENTS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock', window );">DERIVATIVE HEDGING INSTRUMENTS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 21.&nbsp;&nbsp;DERIVATIVE HEDGING INSTRUMENTS</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company can use various interest rate contracts, such as interest rate swaps, caps, floors and swaptions to help manage interest rate and market valuation risk exposure, which is incurred in normal recurrent banking activities. The Company can use derivative instruments, primarily interest rate swaps, to manage interest rate risk and match the rates on certain assets by hedging the fair value of certain fixed rate debt, which converts the debt to variable rates and by hedging the cash flow variability associated with certain variable rate debt by converting the debt to fixed rates.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> To accommodate a customer need and support the Company&#39;s asset/liability positioning, we entered into an interest rate swap with the customer and Pittsburgh National Bank (PNC) in the fourth quarter of 2008. This arrangement involved the exchange of interest payments based on the notional amounts. The Company entered into a floating rate loan and a fixed rate swap with our customer. Simultaneously, the Company entered into an offsetting fixed rate swap with PNC. In connection with each swap transaction, the Company agreed to pay interest to the customer on a notional amount at a variable interest rate and receive interest from the customer on the same notional amount at a fixed interest rate. At the same time, the Company agreed to pay PNC the same fixed interest rate on the same notional amount and receive the same variable interest rate on the same notional amount. This transaction allowed the Company&#39;s customer to effectively convert a variable rate loan to a fixed rate. Because the Company acts as an intermediary for its customer, changes in the fair value of the underlying derivative contracts offset each other and did not significantly impact the Company&#39;s results of operations.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table summarizes the interest rate swap transactions that impacted the Company&#39;s 2013 performance:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> START DATE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">MATURITY DATE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">HEDGE TYPE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">NOTIONAL AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATE RECEIVED</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATE PAID</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">REPRICING FREQUENCY</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">INCREASE (DECREASE) IN INTEREST EXPENSE</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> 12/12/08</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> 09/24/13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center">FAIR VALUE</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9,000,000</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5.25</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2.73</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> MONTHLY</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>165,488</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> 12/12/08</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> 09/24/13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> FAIR VALUE</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> 9,000,000</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> 2.73</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> 5.25</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> MONTHLY</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(165,488)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company monitors and controls all derivative products with a comprehensive Board of Director approved hedging policy. This policy permits a total maximum notional amount outstanding of $500 million for interest rate swaps, interest rate caps/floors, and swaptions. All hedge transactions must be approved in advance by the Investment Asset/Liability Committee (ALCO) of the Board of Directors.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4K<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5708775-113959<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624163-113959<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(n))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4J<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5708773-113959<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 25<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6886632&amp;loc=d3e76258-113986<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41635-113959<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624258-113959<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5618551-113959<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6441202&amp;loc=d3e80720-113993<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7668309&amp;loc=d3e80748-113994<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4E<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624181-113959<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7668309&amp;loc=d3e80784-113994<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41620-113959<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4D<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624177-113959<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5579245-113959<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5580258-113959<br><br><br><br>Reference 17: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5579240-113959<br><br><br><br>Reference 18: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41641-113959<br><br><br><br>Reference 19: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41638-113959<br><br><br><br>Reference 20: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4C<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5624171-113959<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>59
<FILENAME>R28.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INTANGIBLE ASSETS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract', window );"><strong>INTANGIBLE ASSETS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock', window );">INTANGIBLE ASSETS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 20.&nbsp;&nbsp;INTANGIBLE ASSETS</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company&#39;s Consolidated Balance Sheets show both tangible assets (such as loans, buildings, and investments) and intangible assets (such as goodwill). Goodwill has an indefinite live and is not amortized. Instead such intangible is evaluated for impairment at the reporting unit level at least annually. Any resulting impairment would be reflected as a non-interest expense. Of the Company&#39;s goodwill of $12.6 million, $9.5 million is allocated to the retail banking segment and $3.1 million relates to the West Chester Capital Advisors (WCCA) acquisition which is included in the trust segment. Goodwill in both of these segments was evaluated for impairment on its annual impairment evaluation date. During the first quarter of 2011, the Company did reduce the goodwill allocated to West Chester Capital Advisors by $337,000. This reduction resulted from a purchase price adjustment as the principal of WCCA did not fully earn a deferred contingent payment that had been accrued for at the time of acquisition. The Company&#39;s intangible goodwill balance at December 31, 2013 and 2012 was $12.6 million.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for the aggregate amount of goodwill and a description of intangible assets, which may include (a) for amortizable intangible assets (also referred to as finite-lived intangible assets), the carrying amount, the amount of any significant residual value, and the weighted-average amortization period, (b) for intangible assets not subject to amortization (also referred to as indefinite-lived intangible assets), the carrying amount, and (c) the amount of research and development assets acquired and written off in the period, including the line item in the income statement in which the amounts written off are aggregated, if not readily apparent from the income statement. Also discloses (a) for amortizable intangibles assets in total and by major class, the gross carrying amount and accumulated amortization, the total amortization expense for the period, and the estimated aggregate amortization expense for each of the five succeeding fiscal years, (b) for intangible assets not subject to amortization the carrying amount in total and by major class, and (c) for goodwill, in total and for each reportable segment, the changes in the carrying amount of goodwill during the period (including the aggregate amount of goodwill acquired, the aggregate amount of impairment losses recognized, and the amount of goodwill included in the gain (loss) on disposal of a reporting unit). If any part of goodwill has not been allocated to a reportable segment, discloses the unallocated amount and the reasons for not allocating. For each impairment loss recognized related to an intangible asset (excluding goodwill), discloses: (a) a description of the impaired intangible asset and the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method for determining fair value, (c) the caption in the income statement or the statement of activities in which the impairment loss is aggregated, and (d) the segment in which the impaired intangible asset is reported. For each goodwill impairment loss recognized, discloses: (a) a description of the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method of determining the fair value of the associated reporting unit, and (c) if a recognized impairment loss is an estimate not finalized and the reasons why the estimate is not final.  May also disclose the nature and amount of any significant adjustments made to a previous estimate of an impairment loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16323-109275<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=14024403&amp;loc=d3e13816-109267<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16373-109275<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26713463&amp;loc=d3e16265-109275<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=14024403&amp;loc=d3e13854-109267<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>60
<FILENAME>R100.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EAFAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Accumulated Benefit Obligation) (Details) (Pension Plans, Defined Benefit [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans, Defined Benefit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>PENSION PLANS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation', window );">Accumulated benefit obligation</a></td>
        <td class="nump">$ 27,566<span></span></td>
        <td class="nump">$ 26,662<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For defined benefit pension plans, the actuarial present value of benefits (whether vested or nonvested) attributed by the pension benefit formula to employee service rendered before a specified date and based on employee service and compensation (if applicable) before that date. The accumulated benefit obligation differs from the projected benefit obligation in that it includes no assumption about future compensation levels. For plans with flat-benefit or nonpay-related pension benefit formulas, the accumulated benefit obligation and the projected benefit obligation are the same.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Accumulated Benefit Obligation<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6503844<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAccumulatedBenefitObligation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanDisclosureLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanDisclosureLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>61
<FILENAME>R56.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_QuarterlyFinancialInformationDisclosureAbstract', window );"><strong>SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock', window );">Schedule of Quarterly Financial Data</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">2013 QUARTER ENDED</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">DEC. 31</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SEPT. 30</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">JUNE 30</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">MARCH 31</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS, EXCEPT PER SHARE DATA)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>10,203</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>9,811</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>9,627</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>9,702</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,605</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,611</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,606</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,660</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8,598</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8,200</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8,021</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8,042</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Provision (credit) for loan losses</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(1,000)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>150</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(250)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net interest income after provision (credit) for loan losses</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>9,598</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8,200</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>7,871</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8,292</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,867</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,986</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4,075</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,816</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>10,746</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>10,413</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>10,442</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>10,622</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income before income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,719</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,773</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,504</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,486</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Provision for income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>878</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>547</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>434</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>430</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,841</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,226</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,070</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,056</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Basic earnings per common share</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.10</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.06</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.05</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.05</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Diluted earnings per common share</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.09</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.06</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.05</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.05</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Cash dividends declared per common share</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.01</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.01</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.01</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">2012 QUARTER ENDED</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">DEC. 31</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SEPT. 30</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">JUNE 30</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">MARCH 31</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS, EXCEPT PER SHARE DATA)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9,878</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 10,030</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9,885</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 10,124</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,796</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,888</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,964</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,066</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8,082</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8,142</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,921</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8,058</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Provision (credit) for loan losses</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 550</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (200</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (500</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (625</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net interest income after provision (credit) for loan losses</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,532</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8,342</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8,421</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8,683</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,887</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,649</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,733</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,674</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 10,373</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 10,087</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 10,067</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 10,114</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income before income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,046</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,904</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,087</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,243</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Provision for income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 311</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 597</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 655</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 678</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 735</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,307</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,432</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,565</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Basic earnings per common share</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.04</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.05</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.06</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.06</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Diluted earnings per common share</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.04</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.05</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.06</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.06</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Cash dividends declared per common share</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_QuarterlyFinancialInformationDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_QuarterlyFinancialInformationDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the quarterly financial data in the annual financial statements. The disclosure includes financial information for each fiscal quarter for the current and previous year, including revenues, gross profit, income (loss) before extraordinary items and cumulative effect of a change in accounting principle and earnings per share data.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 270<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)-(j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25249566&amp;loc=d3e1280-108306<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>62
<FILENAME>R44.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E2F">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock', window );">Schedule of Assets and Liabilities Measured on Recurring Basis</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<br /> (LEVEL 1)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SIGNIFICANT OTHER OBSERVABLE INPUTS<br /> (LEVEL 2)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SIGNIFICANT UNOBSERVABLE INPUTS<br /> (LEVEL 3)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Assets:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> U.S. Agency securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6,835</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6,835</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> U.S. Agency mortgage-backed securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>123,382</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>123,382</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Corporate bonds</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>11,761</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>11,761</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<br /> (LEVEL 1)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SIGNIFICANT OTHER OBSERVABLE INPUTS<br /> (LEVEL 2)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SIGNIFICANT UNOBSERVABLE INPUTS<br /> (LEVEL 3)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Assets:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> U.S. Agency securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,911</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,911</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> U.S. Agency mortgage-backed securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 137,735</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 137,735</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Corporate bonds</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,892</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,892</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Fair value of swap asset</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Fair value of swap liability</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock', window );">Schedule of Assets Measured at Fair Value on Non-Recurring Basis</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<br /> (LEVEL 1)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SIGNIFICANT OTHER OBSERVABLE INPUTS<br /> (LEVEL 2)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SIGNIFICANT UNOBSERVABLE INPUTS<br /> (LEVEL 3)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Assets:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Impaired loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,253</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,253</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Other real estate owned</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,017</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,017</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<br /> (LEVEL 1)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SIGNIFICANT OTHER OBSERVABLE INPUTS<br /> (LEVEL 2)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SIGNIFICANT UNOBSERVABLE INPUTS<br /> (LEVEL 3)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Assets:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Impaired loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,220</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,220</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Other real estate owned</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,228</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,228</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> December 31, 2013</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">Quantitative Information About Level 3 Fair Value Measurements</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Fair Value Estimate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Valuation<br /> Techniques</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Unobservable<br /> Input</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Range(Wgtd Ave)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Impaired loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,253</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Appraisal of collateral</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(1)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Appraisal adjustments</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(2)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">0% to 37%(30%)</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> Liquidation expenses</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(2)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">1% to 15%(10%)</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other real estate owned</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,017</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Appraisal of collateral<sup>(1),(3)</sup></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Appraisal adjustments</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(2)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">31% to 48%(38%)</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> Liquidation expenses</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(2)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">1% to 20%(10%)</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> December 31, 2012</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">Quantitative Information About Level 3 Fair Value Measurements</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Fair Value Estimate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Valuation<br /> Techniques</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Unobservable<br /> Input</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Range(Wgtd Ave)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Impaired loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,220</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Appraisal of collateral</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(1)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Appraisal adjustments</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(2)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">1% to 35%(20%)</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> Liquidation expenses</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(2)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">1% to 15%(10%)</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other real estate owned</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,228</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Appraisal of collateral<sup>(1),(3)</sup></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Appraisal adjustments</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(2)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">1% to 20%(15%)</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> Liquidation expenses</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(2)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">1% to 20%(10%)</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 1px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">(1)</td> <td style="TEXT-ALIGN: left">Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 1px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">(2)</td> <td style="TEXT-ALIGN: left">Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 1px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">(3)</td> <td style="TEXT-ALIGN: left">Includes qualitative adjustments by management and estimated liquidation expenses.</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of assets and liabilities by class, including financial instruments measured at fair value that are classified in shareholders' equity, if any, that are measured at fair value on a nonrecurring basis in periods after initial recognition (for example, impaired assets). Disclosures may include, but are not limited to: (a) the fair value measurements recorded and the reasons for the measurements and (b) the level within the fair value hierarchy in which the fair value measurements are categorized in their entirety (levels 1, 2, 3).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25499696&amp;loc=d3e19296-110258<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueDisclosuresAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueDisclosuresAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of assets and liabilities, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25499696&amp;loc=d3e19190-110258<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>63
<FILENAME>R30.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SEGMENT RESULTS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingAbstract', window );"><strong>SEGMENT RESULTS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingDisclosureTextBlock', window );">SEGMENT RESULTS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 22.&nbsp;&nbsp;SEGMENT RESULTS</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The financial performance of the Company is also monitored by an internal funds transfer pricing profitability measurement system which produces line of business results and key performance measures. The Company&#39;s major business units include retail banking, commercial lending, trust, and investment/parent. The reported results reflect the underlying economics of the business segments. Expenses for centrally provided services are allocated based upon the cost and estimated usage of those services. The businesses are match-funded and interest rate risk is centrally managed and accounted for within the investment/parent business segment. The key performance measure the Company focuses on for each business segment is net income contribution.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Retail banking includes the deposit-gathering branch franchise and lending to both individuals and small businesses. Lending activities include residential mortgage loans, direct consumer loans, and small business commercial loans. Commercial banking to businesses includes commercial loans, and commercial real-estate loans. The trust segment contains our wealth management businesses which include the Trust Company, West Chester Capital Advisors, our registered investment advisory firm and financial services. Wealth management includes personal trust products and services such as personal portfolio investment management, estate planning and administration, custodial services and pre-need trusts. Also, institutional trust products and services such as 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts are included in this segment. Financial services include the sale of mutual funds, annuities, and insurance products. The Wealth management businesses also includes the union collective investment funds, namely the ERECT and BUILD funds which are designed to use union pension dollars in construction projects that utilize union labor. The investment/parent includes the net results of investment securities and borrowing activities, general corporate expenses not allocated to the business segments, interest expense on guaranteed junior subordinated deferrable interest debentures, and centralized interest rate risk management. Inter-segment revenues were not material.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The contribution of the major business segments to the Consolidated Results of Operations were as follows:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">YEAR ENDED DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RETAIL BANKING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL BANKING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TRUST</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">INVESTMENT/ PARENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>20,223</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>15,687</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>35</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(3,084)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>32,861</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Credit provision for loan loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(92)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,008)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,100)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6,512</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>642</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8,391</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>199</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>15,744</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>22,870</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>10,148</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>6,605</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>2,600</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>42,223</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income (loss) before income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,957</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>7,189</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,821</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(5,485)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>7,482</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income tax expense (benefit)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,165</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>2,166</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>619</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(1,661)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>2,289</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net income (loss)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>2,792</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>5,023</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,202</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(3,824)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>5,193</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total assets</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>347,823</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>545,556</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>4,722</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>157,935</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,056,036</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">YEAR ENDED DECEMBER 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RETAIL BANKING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL BANKING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TRUST</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">INVESTMENT/ PARENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 20,585</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 14,499</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">35</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (2,916</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 32,203</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Credit provision for loan loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (160</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (615</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (775</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,565</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">585</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,784</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">9</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 14,943</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 22,802</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 8,970</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 6,387</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,482</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 40,641</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income (loss) before income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,508</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,729</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,432</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (5,389</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,280</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income tax expense (benefit)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,358</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,044</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 487</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (1,648</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,241</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net income (loss)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 3,150</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,685</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 945</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (3,741</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 5,039</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total assets</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 336,241</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 497,331</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,429</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 162,990</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,000,991</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">YEAR ENDED DECEMBER 31, 2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RETAIL BANKING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL BANKING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TRUST</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">INVESTMENT/ PARENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 20,100</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 13,860</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">41</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,718</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 32,283</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Credit provision for loan loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (263</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (3,312</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (3,575</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,055</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">597</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,282</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (365</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 13,569</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 23,470</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 7,833</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 6,118</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,616</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 40,037</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income (loss) before income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,948</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9,936</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,205</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (4,699</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9,390</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income tax expense (benefit)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 880</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,995</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 410</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (1,432</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,853</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net income (loss)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,068</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 6,941</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 795</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (3,267</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 6,537</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total assets</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 337,869</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 442,087</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 3,917</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 195,203</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 979,076</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SegmentReportingAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SegmentReportingAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SegmentReportingDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8380-108599<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 32<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8933-108599<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8538-108599<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8844-108599<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 29<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8864-108599<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 34<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8981-108599<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 35<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8984-108599<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 41<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e9038-108599<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 30<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8906-108599<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 42<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e9054-108599<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 31<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8924-108599<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 40<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e9031-108599<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8971-108599<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8595-108599<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SegmentReportingDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>64
<FILENAME>R31.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>REGULATORY CAPITAL<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RegulatoryCapitalRequirementsAbstract', window );"><strong>REGULATORY CAPITAL [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">REGULATORY CAPITAL</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 23.&nbsp;&nbsp;REGULATORY CAPITAL</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company is subject to various capital requirements administered by the federal banking agencies. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company&#39;s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company&#39;s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company&#39;s financial statements.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total and Tier I capital to risk-weighted assets, and of Tier I capital to average assets. As of December 31, 2013 and 2012, the Federal Reserve categorized the Company as Well Capitalized under the regulatory framework for prompt corrective action. The Company believes that no conditions or events have occurred that would change this conclusion. To be categorized as well capitalized, the Company must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table. Additionally, while not a regulatory capital ratio, the Company&#39;s tangible common equity ratio was 7.64% and 7.78% for 2013 and 2012, respectively.</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23">AS OF DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">ACTUAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">FOR CAPITAL ADEQUACY<br /> PURPOSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATIO</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATIO</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATIO</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23">(IN THOUSANDS, EXCEPT RATIOS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total Capital (To Risk Weighted Assets)<br /> Consolidated</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>128,469</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>15.28%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>67,247</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8.00%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>84,059</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>10.00%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> AmeriServ Financial Bank</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>103,009</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>12.39</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>66,506</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>83,132</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>10.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Tier 1 Capital (To Risk Weighted Assets)<br /> Consolidated</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>117,957</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>14.03</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>33,624</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>50,435</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> AmeriServ Financial Bank</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>92,611</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>11.14</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>33,253</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>49,879</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Tier 1 Capital (To Average Assets)<br /> Consolidated</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>117,957</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>11.45</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>41,204</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>51,505</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>5.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> AmeriServ Financial Bank</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>92,611</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>9.23</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>40,124</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>50,155</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>5.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23">AS OF DECEMBER 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">ACTUAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">FOR CAPITAL ADEQUACY<br /> PURPOSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TO BE WELL CAPITALIZED UNDER PROMPT CORRECTIVE ACTION PROVISIONS</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATIO</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATIO</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATIO</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23">(IN THOUSANDS, EXCEPT RATIOS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total Capital (To Risk Weighted Assets)<br /> Consolidated</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 122,583</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 15.92</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 61,588</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 76,985</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 10.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> AmeriServ Financial Bank</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 101,786</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 13.34</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 61,060</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 76,325</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 10.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Tier 1 Capital (To Risk Weighted Assets)<br /> Consolidated</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 112,916</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 14.67</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 30,794</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 46,191</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> AmeriServ Financial Bank</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 92,200</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 12.08</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 30,530</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 45,795</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Tier 1 Capital (To Average Assets)<br /> Consolidated</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 112,916</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 11.44</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 39,474</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 49,343</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> AmeriServ Financial Bank</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 92,200</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9.55</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 38,616</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 48,269</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> On July 2, 2013, the Board of Governors of the Federal Reserve System approved final rules that substantially amend the regulatory risk-based capital rules applicable to the Company and the Bank. The final rules implement the "Basel III" regulatory capital reforms, as well as certain changes required by the Dodd-Frank Act, which will require institutions to, among other things, have more capital and a higher quality of capital by increasing the minimum regulatory capital ratios, and requiring capital buffers. The new rules become effective for the Company on January 1, 2015, with an implementation period that stretches to 2019. For a more detailed discussion see the Capital Resources section of the MD&amp;A.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RegulatoryCapitalRequirementsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RegulatoryCapitalRequirementsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable.  The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958570-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1D<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958573-112826<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1E<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958574-112826<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1F<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958575-112826<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958569-112826<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1G<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958577-112826<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1C<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958572-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>65
<FILENAME>R8.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EUIAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>OPERATING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">$ 5,193<span></span></td>
        <td class="nump">$ 5,039<span></span></td>
        <td class="nump">$ 6,537<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash provided by operating activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="num">(1,100)<span></span></td>
        <td class="num">(775)<span></span></td>
        <td class="num">(3,575)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherDepreciationAndAmortization', window );">Depreciation and amortization expense</a></td>
        <td class="nump">1,683<span></span></td>
        <td class="nump">1,523<span></span></td>
        <td class="nump">1,477<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments', window );">Net amortization of investment securities</a></td>
        <td class="nump">755<span></span></td>
        <td class="nump">1,124<span></span></td>
        <td class="nump">736<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfInvestments', window );">Net realized (gains) losses on investment securities - available for sale</a></td>
        <td class="num">(204)<span></span></td>
        <td class="num">(12)<span></span></td>
        <td class="nump">358<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfLoansAndLeases', window );">Net gains on loans held for sale</a></td>
        <td class="num">(1,089)<span></span></td>
        <td class="num">(1,132)<span></span></td>
        <td class="num">(812)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet', window );">Amortization of deferred loan fees</a></td>
        <td class="num">(304)<span></span></td>
        <td class="num">(240)<span></span></td>
        <td class="num">(231)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale', window );">Origination of mortgage loans held for sale</a></td>
        <td class="num">(60,826)<span></span></td>
        <td class="num">(76,688)<span></span></td>
        <td class="num">(58,640)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale', window );">Sales of mortgage loans held for sale</a></td>
        <td class="nump">69,089<span></span></td>
        <td class="nump">74,354<span></span></td>
        <td class="nump">59,747<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet', window );">Decrease (increase) in accrued interest receivable</a></td>
        <td class="nump">52<span></span></td>
        <td class="nump">256<span></span></td>
        <td class="num">(6)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInInterestPayableNet', window );">Decrease in accrued interest payable</a></td>
        <td class="num">(299)<span></span></td>
        <td class="num">(440)<span></span></td>
        <td class="num">(1,018)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_OtherBankOwnedLifeInsuranceIncome', window );">Earnings on bank owned life insurance</a></td>
        <td class="num">(811)<span></span></td>
        <td class="num">(863)<span></span></td>
        <td class="num">(885)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Deferred income taxes</a></td>
        <td class="nump">2,150<span></span></td>
        <td class="nump">2,101<span></span></td>
        <td class="nump">2,758<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockOptionPlanExpense', window );">Stock compensation expense</a></td>
        <td class="nump">88<span></span></td>
        <td class="nump">41<span></span></td>
        <td class="nump">15<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInPrepaidExpense', window );">Decrease in prepaid Federal Deposit Insurance</a></td>
        <td class="nump">1,444<span></span></td>
        <td class="nump">370<span></span></td>
        <td class="nump">1,259<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">Other, net</a></td>
        <td class="num">(967)<span></span></td>
        <td class="num">(1,446)<span></span></td>
        <td class="nump">3,074<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations', window );">Net cash provided by operating activities</a></td>
        <td class="nump">14,854<span></span></td>
        <td class="nump">3,212<span></span></td>
        <td class="nump">10,794<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>INVESTING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt', window );">Purchases of investment securities - available for sale</a></td>
        <td class="num">(50,125)<span></span></td>
        <td class="num">(34,199)<span></span></td>
        <td class="num">(85,352)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireHeldToMaturitySecurities', window );">Purchases of investment securities - held to maturity</a></td>
        <td class="num">(8,942)<span></span></td>
        <td class="num">(4,987)<span></span></td>
        <td class="num">(6,576)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities', window );">Proceeds from maturities of investment securities - available for sale</a></td>
        <td class="nump">43,307<span></span></td>
        <td class="nump">59,800<span></span></td>
        <td class="nump">53,243<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities', window );">Proceeds from maturities of investment securities - held to maturity</a></td>
        <td class="nump">4,425<span></span></td>
        <td class="nump">3,518<span></span></td>
        <td class="nump">2,125<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities', window );">Proceeds from sales of investment securities - available for sale</a></td>
        <td class="nump">11,185<span></span></td>
        <td class="nump">4,221<span></span></td>
        <td class="nump">16,518<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PaymentsToAcquireRegulatoryStock', window );">Purchase of regulatory stock</a></td>
        <td class="num">(5,865)<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock', window );">Proceeds from redemption of regulatory stock</a></td>
        <td class="nump">5,367<span></span></td>
        <td class="nump">1,712<span></span></td>
        <td class="nump">1,342<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromLoansAndLeases', window );">Long-term loans originated</a></td>
        <td class="num">(205,549)<span></span></td>
        <td class="num">(232,685)<span></span></td>
        <td class="num">(147,864)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment', window );">Principal collected on long-term loans</a></td>
        <td class="nump">146,720<span></span></td>
        <td class="nump">182,245<span></span></td>
        <td class="nump">161,356<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireLoansHeldForInvestment', window );">Loans purchased or participated</a></td>
        <td class="num">(12,990)<span></span></td>
        <td class="num">(17,492)<span></span></td>
        <td class="num">(8,500)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment', window );">Loans sold or participated</a></td>
        <td class="nump">8,500<span></span></td>
        <td class="nump">8,500<span></span></td>
        <td class="nump">1,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_IncreaseDecreaseInShortTermDebtInvesting', window );">Net increase in other short-term loans</a></td>
        <td class="num">(679)<span></span></td>
        <td class="num">(300)<span></span></td>
        <td class="num">(443)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment', window );">Purchases of premises and equipment</a></td>
        <td class="num">(3,004)<span></span></td>
        <td class="num">(2,647)<span></span></td>
        <td class="num">(1,666)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfOtherRealEstate', window );">Proceeds from sale of other real estate owned</a></td>
        <td class="nump">993<span></span></td>
        <td class="nump">160<span></span></td>
        <td class="nump">743<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromLifeInsurancePolicies', window );">Proceeds from insurance policies</a></td>
        <td class="nump">356<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations', window );">Net cash used in investing activities</a></td>
        <td class="num">(66,301)<span></span></td>
        <td class="num">(32,154)<span></span></td>
        <td class="num">(14,074)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>FINANCING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeposits', window );">Net increase in deposit balances</a></td>
        <td class="nump">18,744<span></span></td>
        <td class="nump">19,329<span></span></td>
        <td class="nump">13,722<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromRepaymentsOfShortTermDebt', window );">Net increase (decrease) in other short-term borrowings</a></td>
        <td class="nump">25,895<span></span></td>
        <td class="num">(105)<span></span></td>
        <td class="nump">11,215<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings', window );">Principal borrowings on advances from Federal Home Loan Bank</a></td>
        <td class="nump">18,000<span></span></td>
        <td class="nump">21,000<span></span></td>
        <td class="nump">2,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings', window );">Principal repayments on advances from Federal Home Loan Bank</a></td>
        <td class="num">(6,000)<span></span></td>
        <td class="num">(14,000)<span></span></td>
        <td class="num">(5,750)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock', window );">Preferred stock dividend paid</a></td>
        <td class="num">(209)<span></span></td>
        <td class="num">(828)<span></span></td>
        <td class="num">(1,054)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsCommonStock', window );">Common stock dividend paid</a></td>
        <td class="num">(566)<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfWarrants', window );">TARP warrant repurchase</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="num">(825)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfEquity', window );">Purchase of treasury stock</a></td>
        <td class="num">(1,171)<span></span></td>
        <td class="num">(4,417)<span></span></td>
        <td class="num">(582)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations', window );">Net cash provided by financing activities</a></td>
        <td class="nump">54,693<span></span></td>
        <td class="nump">20,979<span></span></td>
        <td class="nump">18,726<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS</a></td>
        <td class="nump">3,246<span></span></td>
        <td class="num">(7,963)<span></span></td>
        <td class="nump">15,446<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS AT JANUARY 1</a></td>
        <td class="nump">26,820<span></span></td>
        <td class="nump">34,783<span></span></td>
        <td class="nump">19,337<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS AT DECEMBER 31</a></td>
        <td class="nump">$ 30,066<span></span></td>
        <td class="nump">$ 26,820<span></span></td>
        <td class="nump">$ 34,783<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_IncreaseDecreaseInShortTermDebtInvesting">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the period of short term debt classified as investing activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_IncreaseDecreaseInShortTermDebtInvesting</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_OtherBankOwnedLifeInsuranceIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Life insurance income not elsewhere specified in the taxonomy earned during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_OtherBankOwnedLifeInsuranceIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_PaymentsToAcquireRegulatoryStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Cash outflow for the purchase of regulatory stock during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_PaymentsToAcquireRegulatoryStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfDeferredLoanOriginationFeesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net increase(decrease) in interest income during the period representing the allocation of deferred loan origination fees less deferred loan origination costs using the effective interest method over the term of the debt arrangement to which they pertain taking into account the effect of prepayments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Direct Loan Origination Costs<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510860<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 30<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378273&amp;loc=d3e8446-111530<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 25<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962437&amp;loc=d3e7402-111529<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 35<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27723605&amp;loc=d3e8622-111531<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AmortizationOfDeferredLoanOriginationFeesNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358313&amp;loc=d3e6676-107765<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3044-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsAtCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of increase (decrease) in cash and cash equivalents. Cash and cash equivalents are the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Includes effect from exchange rate changes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 830<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450594&amp;loc=d3e33268-110906<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section I<br><br> -Subsection 7<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Deferred Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510177<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredIncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net realized gain (loss) on investments sold during the period, not including gains (losses) on securities separately or otherwise categorized as trading, available-for-sale, or held-to-maturity, which, for cash flow reporting, is a component of proceeds from investing activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSaleOfInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfLoansAndLeases">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The gains (losses) included in earnings that represent the difference between the sale price and the carrying value of loans and leases that were sold during the reporting period. This element refers to the gain (loss) and not to the cash proceeds of the sales. This element is a noncash adjustment to net income when calculating net cash generated by operating activities using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSaleOfLoansAndLeases</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in the amount due from borrowers for interest payments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6477933&amp;loc=d3e60009-112784<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3095-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInInterestPayableNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in interest payable, which represents the amount owed to note holders, bond holders, and other parties for interest earned on loans or credit extended to the reporting entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInInterestPayableNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in other assets used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current assets, other noncurrent assets, or a combination of other current and noncurrent assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInOtherOperatingAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInPrepaidExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in the amount of outstanding money paid in advance for goods or services that bring economic benefits for future periods.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInPrepaidExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash inflow (outflow) of financing activities, excluding discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash inflow (outflow) of investing activities, excluding discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash inflow (outflow) from operating activities, excluding discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3536-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e565-108580<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherDepreciationAndAmortization">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The other noncash expense, not otherwise specified in the taxonomy, charged against earnings in the period to allocate the cost of tangible and intangible assets over their remaining economic lives.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherDepreciationAndAmortization</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash paid for the origination of mortgages that are held for sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3536-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash outflow (inflow) from acquisition (sale) of Federal Home Loan Bank (FHLBank) stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForProceedsFromFederalHomeLoanBankStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForProceedsFromLoansAndLeases">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash outflow or inflow for the increase (decrease) in the beginning and end of period of loan and lease balances which are not originated or purchased specifically for resale. Includes cash payments and proceeds associated with (a) loans held-for-investment, (b) leases held-for-investment, and (c) both.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForProceedsFromLoansAndLeases</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to reacquire common and preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForRepurchaseOfEquity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfWarrants">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount paid by the entity to reacquire the right to purchase equity shares at a predetermined price, usually issued together with corporate debt.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForRepurchaseOfWarrants</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividendsCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash outflow in the form of ordinary dividends to common shareholders of the parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsOfDividendsCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash outflow in the form of ordinary dividends to preferred shareholders of the parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to acquire debt securities classified as available-for-sale securities, because they are not classified as either held-to-maturity securities or trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireHeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash outflow through purchase of long-term held-to-maturity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireHeldToMaturitySecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireLoansHeldForInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow associated with purchasing loans held for investment purposes during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireLoansHeldForInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow for acquisition of or capital improvements of property, plant and equipment, used to produce goods or deliver services, and not otherwise defined in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireOtherPropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from a borrowing made from Federal Home Loan Bank.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3255-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromFederalHomeLoanBankBorrowings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromLifeInsurancePolicies">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow for proceeds from life insurance policies for which the entity is the beneficiary.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromLifeInsurancePolicies</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from repayments of the balance excluding interest (principal) on loans receivable and leases held for investment purposes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromRepaymentsOfShortTermDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow for borrowing having initial term of repayment within one year or the normal operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 9<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3098-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromRepaymentsOfShortTermDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale or maturity (principal being due) of securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash inflow from the sale or maturity of long-term held-to-maturity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleAndMaturityOfHeldToMaturitySecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale of debt and equity securities classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from Sales of Loans Held For Investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleOfLoansHeldForInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from sales of loans that are secured with real estate mortgages and are held with the intention to resell in the near future.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 21<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3461-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3536-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleOfMortgageLoansHeldForSale</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfOtherRealEstate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale of other real estate not otherwise defined in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleOfOtherRealEstate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 11<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForLoanLeaseAndOtherLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow for the payment of loan drawn from Federal Home Loan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockOptionPlanExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The noncash expense that accounts for the value of stock or unit options distributed to employees as compensation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockOptionPlanExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>66
<FILENAME>R32.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PARENT COMPANY FINANCIAL INFORMATION<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract', window );"><strong>PARENT COMPANY FINANCIAL INFORMATION [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock', window );">PARENT COMPANY FINANCIAL INFORMATION</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 24.&nbsp;&nbsp;PARENT COMPANY FINANCIAL INFORMATION</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The parent company functions primarily as a coordinating and servicing unit for all subsidiary entities. Provided services include general management, accounting and taxes, loan review, internal auditing, investment advisory, marketing, insurance risk management, general corporate services, and financial and strategic planning. The following financial information relates only to the parent company operations:</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> BALANCE SHEETS</h5> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> ASSETS<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Cash</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>100</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">100</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Short-term investments in money market funds</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6,561</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,085</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Investment securities available for sale</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>11,909</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 10,534</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Equity investment in banking subsidiary</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>99,250</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 99,121</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Equity investment in non-banking subsidiaries</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>5,321</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,017</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Guaranteed junior subordinated deferrable interest debenture issuance costs</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>224</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">240</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other assets</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>4,352</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,713</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> TOTAL ASSETS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>127,717</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 123,810</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> LIABILITIES<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Guaranteed junior subordinated deferrable interest debentures</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>13,085</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 13,085</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other liabilities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,325</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 257</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> TOTAL LIABILITIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>14,410</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 13,342</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> STOCKHOLDERS&#39; EQUITY<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total stockholders&#39; equity</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>113,307</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 110,468</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> TOTAL LIABILITIES AND STOCKHOLDERS&#39; EQUITY</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>127,717</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 123,810</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> STATEMENTS OF OPERATIONS</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> INCOME<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Inter-entity management and other fees</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,355</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,355</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,329</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Dividends from banking subsidiary</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>5,500</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8,000</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,500</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Dividends from non-banking subsidiaries</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>675</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">710</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">620</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest and dividend income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>243</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 306</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 415</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> TOTAL INCOME</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>8,773</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 11,371</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 5,864</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> EXPENSE<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,121</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,121</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,121</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Salaries and employee benefits</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,502</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,368</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,394</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,608</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,582</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,477</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> TOTAL EXPENSE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>5,231</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 5,071</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 4,992</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> INCOME BEFORE INCOME TAXES AND EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,542</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,300</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">872</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Benefit for income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>895</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">819</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">764</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Equity in undistributed earnings of subsidiaries</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>756</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (2,080</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 4,901</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> NET INCOME</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>5,193</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 5,039</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 6,537</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> COMPREHENSIVE INCOME</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>4,697</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 3,320</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 7,739</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> STATEMENTS OF CASH FLOWS</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> OPERATING ACTIVITIES<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>5,193</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,039</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,537</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Adjustment to reconcile net income to net cash provided by operating activities:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Equity in undistributed earnings of subsidiaries</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(756)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,080</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (4,901</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Stock compensation expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>82</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">38</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">15</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other&nbsp;-&nbsp;net</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(718)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (989</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (285</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> NET CASH PROVIDED BY OPERATING ACTIVITIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>3,801</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 6,168</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,366</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> INVESTING ACTIVITIES<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Purchase of investment securities&nbsp;-&nbsp;available for sale</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(3,885)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (2,077</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (3,049</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Proceeds from maturity of investment securities&nbsp;-&nbsp;available for sale</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>2,506</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,809</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 5,942</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> NET CASH (USED IN) PROVIDED BY INVESTING ACTIVITIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(1,379)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 732</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,893</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> FINANCING ACTIVITIES<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Purchase of treasury stock</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,171)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (4,417</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (582</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> TARP warrant repurchase</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (825</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Preferred stock dividends paid</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(209)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (828</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,054</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Common stock dividends paid</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(566)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> NET CASH USED IN FINANCING ACTIVITIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(1,946)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (5,245</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (2,461</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> NET INCREASE IN CASH AND CASH EQUIVALENTS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>476</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,655</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,798</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> CASH AND CASH EQUIVALENTS AT JANUARY 1</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>6,185</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 4,530</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,732</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> CASH AND CASH EQUIVALENTS AT DECEMBER 31</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>6,661</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 6,185</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,530</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The ability of the subsidiary Bank to upstream cash to the parent company is restricted by regulations. Federal law prevents the parent company from borrowing from its subsidiary Bank unless the loans are secured by specified assets. Further, such secured loans are limited in amount to ten percent of the subsidiary Bank&#39;s capital and surplus. In addition, the Bank is subject to legal limitations on the amount of dividends that can be paid to its shareholder. The dividend limitation generally restricts dividend payments to a bank&#39;s retained net income for the current and preceding two calendar years. Cash may also be upstreamed to the parent company by the subsidiaries as an inter-entity management fee. The subsidiary Bank had a combined $105,600,000 of restricted surplus and retained earnings at December 31, 2013.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 06<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 3<br><br> -Subparagraph (SX 210.12-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e24072-122690<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=d3e5283-111683<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 12<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph c<br><br> -Article 5<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 05<br><br> -Paragraph c<br><br> -Article 7<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>67
<FILENAME>R83.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E6KAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DEPOSITS (Schedule of Balances of Deposits of $100,000 or More) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MaturitiesOfTimeDepositsAbstract', window );"><strong>OTHER TIME DEPOSITS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearOne', window );">2014</a></td>
        <td class="nump">$ 128,725<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearTwo', window );">2015</a></td>
        <td class="nump">42,497<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearThree', window );">2016</a></td>
        <td class="nump">20,033<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFour', window );">2017</a></td>
        <td class="nump">11,684<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFive', window );">2018</a></td>
        <td class="nump">10,541<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesAfterYearFive', window );">2019 and after</a></td>
        <td class="nump">47,371<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Total</a></td>
        <td class="nump">260,851<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract', window );"><strong>CERTIFICATES OF DEPOSIT OF $100,000 OR MORE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths', window );">2014</a></td>
        <td class="nump">32,109<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo', window );">2015</a></td>
        <td class="nump">13,310<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree', window );">2016</a></td>
        <td class="nump">1,551<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour', window );">2017</a></td>
        <td class="nump">217<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive', window );">2018</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive', window );">2019 and after</a></td>
        <td class="nump">100<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits100000OrMore', window );">Total</a></td>
        <td class="nump">$ 47,287<span></span></td>
        <td class="nump">$ 35,339<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Contractual Maturities Of Time Deposits $100,000 Or More, After Year Five.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreAfterYearFive</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Contractual Maturities Of Time Deposits $100,000 Or More, Next Twelve Months.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreNextTwelveMonths</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Contractual Maturities Of Time Deposits $100,000 Or More, Year Five.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFive</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Contractual Maturities Of Time Deposits $100,000 Or More, Year Four.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearFour</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Contractual Maturities Of Time Deposits $100,000 Or More, Year Three.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearThree</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Contractual Maturities Of Time Deposits $100,000 Or More, Year Two.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ContractualMaturitiesOfTimeDepositsOneHundredThousandDollarsOrMoreYearTwo</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ContractualMaturitiesOfTimeDeposits100000OrMoreDisclosuresAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MaturitiesOfTimeDepositsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MaturitiesOfTimeDepositsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesAfterYearFive">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing after the fifth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositMaturitiesAfterYearFive</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearFive">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing in the fifth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositMaturitiesYearFive</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearFour">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing in the fourth fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositMaturitiesYearFour</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearOne">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing in the next fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositMaturitiesYearOne</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearThree">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing in the third fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositMaturitiesYearThree</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearTwo">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits maturing in the second fiscal year following the latest fiscal year. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositMaturitiesYearTwo</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deposits that cannot be withdrawn before a set date without penalty or for which notice of withdrawal is required. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits100000OrMore">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph A<br><br> -Subparagraph 4<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDeposits100000OrMore</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>68
<FILENAME>R114.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E1PAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>STOCK COMPENSATION PLANS (Schedule of Assumptions) (Details)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1', window );">Expected lives in years</a></td>
        <td class="text">10 years<span></span></td>
        <td class="text">10 years<span></span></td>
        <td class="text">10 years<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate', window );">Expected dividend rate</a></td>
        <td class="nump">1.30%<span></span></td>
        <td class="nump">0.00%<span></span></td>
        <td class="nump">0.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Minimum [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate', window );">Risk-free interest rate</a></td>
        <td class="nump">1.82%<span></span></td>
        <td class="nump">1.66%<span></span></td>
        <td class="nump">2.19%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate', window );">Expected volatility</a></td>
        <td class="nump">30.06%<span></span></td>
        <td class="nump">33.26%<span></span></td>
        <td class="nump">35.03%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Maximum [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate', window );">Risk-free interest rate</a></td>
        <td class="nump">2.03%<span></span></td>
        <td class="nump">2.28%<span></span></td>
        <td class="nump">3.62%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate', window );">Expected volatility</a></td>
        <td class="nump">32.32%<span></span></td>
        <td class="nump">35.77%<span></span></td>
        <td class="nump">35.25%<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The estimated dividend rate (a percentage of the share price) to be paid (expected dividends) to holders of the underlying shares over the option's term.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (f)(2)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Expected term of share-based compensation awards, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 14.D.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27013229&amp;loc=d3e301413-122809<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (f)(2)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 14<br><br> -Section D<br><br> -Subsection 2<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The estimated measure of the percentage by which a share price is expected to fluctuate during a period. Volatility also may be defined as a probability-weighted measure of the dispersion of returns about the mean. The volatility of a share price is the standard deviation of the continuously compounded rates of return on the share over a specified period. That is the same as the standard deviation of the differences in the natural logarithms of the stock prices plus dividends, if any, over the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (f)(2)(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The risk-free interest rate assumption that is used in valuing an option on its own shares.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (f)(2)(iv)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>69
<FILENAME>R40.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PREMISES AND EQUIPMENT (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>PREMISES AND EQUIPMENT [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentTextBlock', window );">Schedule of Premises and Equipment</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Land</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,208</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,208</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Premises</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>25,752</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 24,430</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Furniture and equipment</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8,912</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,572</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Leasehold improvements</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>803</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 690</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total at cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>36,675</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 33,900</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Less: Accumulated depreciation and amortization</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>23,556</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 22,102</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net book value</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>13,119</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 11,798</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PropertyPlantAndEquipmentAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, balances by class of assets, depreciation and depletion expense and method used, including composite depreciation, and accumulated deprecation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 13<br><br> -Subparagraph b<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PropertyPlantAndEquipmentTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>70
<FILENAME>R53.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SEGMENT RESULTS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingAbstract', window );"><strong>SEGMENT RESULTS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock', window );">Schedule of Segment Results</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> &nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">YEAR ENDED DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RETAIL BANKING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL BANKING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TRUST</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">INVESTMENT/ PARENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>20,223</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>15,687</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>35</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(3,084)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>32,861</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Credit provision for loan loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(92)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,008)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,100)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6,512</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>642</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8,391</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>199</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>15,744</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>22,870</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>10,148</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>6,605</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>2,600</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>42,223</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income (loss) before income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,957</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>7,189</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,821</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(5,485)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>7,482</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income tax expense (benefit)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,165</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>2,166</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>619</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(1,661)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>2,289</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net income (loss)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>2,792</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>5,023</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,202</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(3,824)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>5,193</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total assets</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>347,823</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>545,556</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>4,722</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>157,935</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,056,036</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">YEAR ENDED DECEMBER 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RETAIL BANKING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL BANKING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TRUST</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">INVESTMENT/ PARENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 20,585</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 14,499</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">35</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (2,916</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 32,203</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Credit provision for loan loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (160</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (615</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (775</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,565</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">585</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,784</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">9</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 14,943</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 22,802</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 8,970</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 6,387</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,482</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 40,641</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income (loss) before income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,508</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,729</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,432</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (5,389</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,280</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income tax expense (benefit)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,358</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,044</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 487</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (1,648</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,241</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net income (loss)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 3,150</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,685</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 945</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (3,741</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 5,039</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total assets</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 336,241</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 497,331</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,429</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 162,990</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,000,991</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">YEAR ENDED DECEMBER 31, 2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RETAIL BANKING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL BANKING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TRUST</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">INVESTMENT/ PARENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 20,100</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 13,860</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">41</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,718</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 32,283</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Credit provision for loan loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (263</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (3,312</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (3,575</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,055</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">597</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,282</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (365</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 13,569</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-interest expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 23,470</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 7,833</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 6,118</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,616</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 40,037</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income (loss) before income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,948</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9,936</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,205</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (4,699</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9,390</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income tax expense (benefit)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 880</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,995</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 410</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (1,432</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,853</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net income (loss)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,068</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 6,941</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 795</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (3,267</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 6,537</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total assets</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 337,869</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 442,087</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 3,917</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 195,203</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 979,076</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 21<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8721-108599<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8813-108599<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=14024403&amp;loc=d3e13816-109267<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 30<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8906-108599<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 22<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8736-108599<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SegmentReportingAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SegmentReportingAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>71
<FILENAME>R72.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E1BAG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Performing and Non-performing Outstanding Balances) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Performing [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract', window );"><strong>Performing and non-performing outstanding balances of the residential and consumer portfolios</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumer', window );">Outstanding balance of consumer loan</a></td>
        <td class="nump">$ 250,253<span></span></td>
        <td class="nump">$ 233,800<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Performing [Member] | Real estate-mortgage [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract', window );"><strong>Performing and non-performing outstanding balances of the residential and consumer portfolios</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumer', window );">Outstanding balance of consumer loan</a></td>
        <td class="nump">234,450<span></span></td>
        <td class="nump">216,393<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Performing [Member] | Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract', window );"><strong>Performing and non-performing outstanding balances of the residential and consumer portfolios</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumer', window );">Outstanding balance of consumer loan</a></td>
        <td class="nump">15,803<span></span></td>
        <td class="nump">17,407<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Non-Performing [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract', window );"><strong>Performing and non-performing outstanding balances of the residential and consumer portfolios</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumer', window );">Outstanding balance of consumer loan</a></td>
        <td class="nump">1,300<span></span></td>
        <td class="nump">1,204<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Non-Performing [Member] | Real estate-mortgage [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract', window );"><strong>Performing and non-performing outstanding balances of the residential and consumer portfolios</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumer', window );">Outstanding balance of consumer loan</a></td>
        <td class="nump">1,239<span></span></td>
        <td class="nump">1,191<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Non-Performing [Member] | Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract', window );"><strong>Performing and non-performing outstanding balances of the residential and consumer portfolios</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableConsumer', window );">Outstanding balance of consumer loan</a></td>
        <td class="nump">$ 61<span></span></td>
        <td class="nump">$ 13<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_LoanPortfolioClassifiedAsPerformanceAndNonperformanceAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableConsumer">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allowance of consumer loans, including, but not limited to, mortgage, home equity, vehicles, credit card, installment, and lease financing. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph a, b<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(a),(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableConsumer</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>72
<FILENAME>R2.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EOABG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>CONSOLIDATED BALANCE SHEETS (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and due from depository institutions</a></td>
        <td class="nump">$ 20,288<span></span></td>
        <td class="nump">$ 17,808<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositsInBanks', window );">Interest bearing deposits</a></td>
        <td class="nump">2,967<span></span></td>
        <td class="nump">1,730<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherShortTermInvestments', window );">Short-term investments in money market funds</a></td>
        <td class="nump">6,811<span></span></td>
        <td class="nump">7,282<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Total cash and cash equivalents</a></td>
        <td class="nump">30,066<span></span></td>
        <td class="nump">26,820<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MarketableSecuritiesAbstract', window );"><strong>Investment securities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">141,978<span></span></td>
        <td class="nump">151,538<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Held to maturity (fair value $17,788 at December 31, 2013 and $14,266 at December 31, 2012)</a></td>
        <td class="nump">18,187<span></span></td>
        <td class="nump">13,723<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleMortgages', window );">Loans held for sale</a></td>
        <td class="nump">3,402<span></span></td>
        <td class="nump">10,576<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Loans</a></td>
        <td class="nump">783,927<span></span></td>
        <td class="nump">721,802<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableDeferredIncome', window );">Less: Unearned income</a></td>
        <td class="nump">581<span></span></td>
        <td class="nump">637<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Allowance for loan losses</a></td>
        <td class="nump">10,104<span></span></td>
        <td class="nump">12,571<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Net loans</a></td>
        <td class="nump">773,242<span></span></td>
        <td class="nump">708,594<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Premises and equipment, net</a></td>
        <td class="nump">13,119<span></span></td>
        <td class="nump">11,798<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccruedInvestmentIncomeReceivable', window );">Accrued interest income receivable</a></td>
        <td class="nump">2,908<span></span></td>
        <td class="nump">2,960<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
        <td class="nump">12,613<span></span></td>
        <td class="nump">12,613<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsurance', window );">Bank owned life insurance</a></td>
        <td class="nump">36,669<span></span></td>
        <td class="nump">36,214<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsLiabilitiesNet', window );">Net deferred tax asset</a></td>
        <td class="nump">9,572<span></span></td>
        <td class="nump">11,467<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankStock', window );">Federal Home Loan Bank stock</a></td>
        <td class="nump">4,677<span></span></td>
        <td class="nump">4,179<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalReserveBankStock', window );">Federal Reserve Bank stock</a></td>
        <td class="nump">2,125<span></span></td>
        <td class="nump">2,125<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PrepaidExpenseCurrentAndNoncurrent', window );">Prepaid federal deposit insurance</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">1,444<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump">7,478<span></span></td>
        <td class="nump">6,940<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">TOTAL ASSETS</a></td>
        <td class="nump">1,056,036<span></span></td>
        <td class="nump">1,000,991<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>LIABILITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestBearingDepositLiabilities', window );">Non-interest bearing deposits</a></td>
        <td class="nump">154,002<span></span></td>
        <td class="nump">156,223<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositLiabilities', window );">Interest bearing deposits</a></td>
        <td class="nump">700,520<span></span></td>
        <td class="nump">679,511<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
        <td class="nump">854,522<span></span></td>
        <td class="nump">835,734<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesShortTerm', window );">Short-term borrowings</a></td>
        <td class="nump">41,555<span></span></td>
        <td class="nump">15,660<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm', window );">Advances from Federal Home Loan Bank</a></td>
        <td class="nump">25,000<span></span></td>
        <td class="nump">13,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedNotes', window );">Guaranteed junior subordinated deferrable interest debentures</a></td>
        <td class="nump">13,085<span></span></td>
        <td class="nump">13,085<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtAndCapitalLeaseObligations', window );">Total borrowed funds</a></td>
        <td class="nump">79,640<span></span></td>
        <td class="nump">41,745<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump">8,567<span></span></td>
        <td class="nump">13,044<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">TOTAL LIABILITIES</a></td>
        <td class="nump">942,729<span></span></td>
        <td class="nump">890,523<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>STOCKHOLDERS' EQUITY</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockValue', window );">Preferred stock, no par value; $1,000 per share liquidation preference; 2,000,000 shares authorized; there were 21,000 shares issued and outstanding on December 31, 2013 and 2012</a></td>
        <td class="nump">21,000<span></span></td>
        <td class="nump">21,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock, par value $0.01 per share; 30,000,000 shares authorized: 26,402,007 shares issued and 18,784,188 shares outstanding on December 31, 2013; 26,398,540 shares issued and 19,164,721 shares outstanding on December 31, 2012</a></td>
        <td class="nump">264<span></span></td>
        <td class="nump">264<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValue', window );">Treasury stock at cost, 7,617,819 shares on December 31, 2013 and 7,233,819 shares on December 31, 2012</a></td>
        <td class="num">(74,829)<span></span></td>
        <td class="num">(73,658)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapitalCommonStock', window );">Capital surplus</a></td>
        <td class="nump">145,190<span></span></td>
        <td class="nump">145,102<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
        <td class="nump">27,557<span></span></td>
        <td class="nump">23,139<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Accumulated other comprehensive loss, net</a></td>
        <td class="num">(5,875)<span></span></td>
        <td class="num">(5,379)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">TOTAL STOCKHOLDERS' EQUITY</a></td>
        <td class="nump">113,307<span></span></td>
        <td class="nump">110,468<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY</a></td>
        <td class="nump">$ 1,056,036<span></span></td>
        <td class="nump">$ 1,000,991<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccruedInvestmentIncomeReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest, dividends, rents, ancillary and other revenues earned but not yet received by the entity on its investments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 3<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 4<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccruedInvestmentIncomeReceivable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14A<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669686-108580<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e681-108580<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdditionalPaidInCapitalCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value received from shareholders in common stock-related transactions that are in excess of par value or stated value and amounts received from other stock-related transactions. Includes only common stock transactions (excludes preferred stock transactions). May be called contributed capital, capital in excess of par, capital surplus, or paid-in capital.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.30(a)(1))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdditionalPaidInCapitalCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.18)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 18<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Assets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AssetsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 25<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 5<br><br><br><br> -Subparagraph (aa)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsurance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The carrying amount of a life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.10)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 10<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BankOwnedLifeInsurance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash Equivalents<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 1<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358313&amp;loc=d3e6676-107765<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3044-108585<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsAtCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash Equivalents<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 1, 2, 3<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndDueFromBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtAndCapitalLeaseObligations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying values as of the balance sheet date of all debt, including all short-term borrowings, long-term debt, and capital lease obligations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.16)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.13,16)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtAndCapitalLeaseObligations</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsLiabilitiesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards, net of deferred tax liability attributable to taxable temporary differences.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 740<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsLiabilitiesNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Deposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including both current and noncurrent portions, Federal Home Loan Bank borrowings initially due beyond one year or beyond the normal operating cycle if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 470<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.16)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 16<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 470<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64702-112823<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesLongTerm</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesShortTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Federal Home Loan Bank borrowings due within one year of the latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 470<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 470<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64711-112823<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesShortTerm</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Federal Home Loan Bank (FHLB) stock represents an equity interest in a FHLB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 325<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6478792&amp;loc=d3e63345-112809<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalReserveBankStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Federal Reserve Bank stock represents an equity interest in the Federal Reserve Bank. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 325<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6478792&amp;loc=d3e63345-112809<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalReserveBankStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A valuation allowance for financing receivables that are expected to be uncollectible.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 11B<br><br><br><br> -Subparagraph (c)(1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Goodwill">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=14024403&amp;loc=d3e13816-109267<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13770-109266<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Goodwill</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after other than temporary impairment (OTTI) accretion, of investments in debt securities classified as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 5<br><br><br><br> -Subparagraph (f)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 25<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (c)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 5<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.6)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all domestic and foreign interest-bearing deposit liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestBearingDepositLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositsInBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions (including Federal Reserve Banks, if applicable): Interest-bearing deposits in other financial institutions for relatively short periods of time including, for example, certificates of deposits, which are presented separately from cash on the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.2)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6476743&amp;loc=d3e59706-112781<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 2<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestBearingDepositsInBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_JuniorSubordinatedNotes">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including the current and noncurrent portions, carrying value as of the balance sheet date of long-term debt (with maturities initially due after one year or beyond the operating cycle if longer) identified as Junior Subordinated Notes, which have a lower priority than senior instruments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.16)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.16(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 20, 22<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 13, 16<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX210.5-02.22)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_JuniorSubordinatedNotes</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19-26)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Liabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.32)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 25<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 32<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAndStockholdersEquity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableDeferredIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred interest and fee income, unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of acquired loans. Excludes amounts for loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5074-111524<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10152-111534<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 840<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -Subparagraph (a)(4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=25496975&amp;loc=d3e45377-112738<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 7<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableDeferredIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableGrossCarryingAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansHeldForSaleMortgages">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of mortgage loans held for sale. Excludes loans and leases covered under loss sharing agreements and loans classified as debt securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7(a)(3))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 948<br><br><br><br> -SubTopic 310<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6490309&amp;loc=d3e48678-111004<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Permanent Investor<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6520390<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansHeldForSaleMortgages</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketableSecuritiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MarketableSecuritiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestBearingDepositLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestBearingDepositLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.17)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 17<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 10<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 15<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.15)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherShortTermInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Other investments not otherwise specified in the taxonomy that will be realized in a short period of time, usually less than one year or the normal operating cycle, whichever is longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.8)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.5)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.1(g))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 5<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph g<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherShortTermInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.28)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PrepaidExpenseCurrentAndNoncurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount as of the balance sheet date of expenditures made in advance of when the economic benefit of the cost will be realized, and which will be expensed in future periods with the passage of time or when a triggering event occurs.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.10)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 10<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.10)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PrepaidExpenseCurrentAndNoncurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph a<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 8<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PropertyPlantAndEquipmentNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetainedEarningsAccumulatedDeficit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cumulative amount of the reporting entity's undistributed earnings or deficit.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.31(a)(3))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RetainedEarningsAccumulatedDeficit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SAB TOPIC 4.E)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 4<br><br><br><br> -Section E<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29-31)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29, 30, 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockholdersEquity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockholdersEquityAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6405834&amp;loc=d3e23315-112656<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TreasuryStockValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>73
<FILENAME>R45.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract', window );"><strong>DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByBalanceSheetGroupingTextBlock', window );">Schedule of Financial Instruments</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">At December 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Carrying Value</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Fair Value</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">(Level 1)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">(Level 2)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">(Level 3)</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> FINANCIAL ASSETS:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Cash and cash equivalents</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>30,066</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>30,066</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>30,066</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Investment securities&nbsp;-&nbsp;AFS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>141,978</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>141,978</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>141,978</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Investment securities&nbsp;-&nbsp;HTM</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>18,187</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>17,788</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>14,822</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,966</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Regulatory stock</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6,802</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6,802</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6,802</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Loans held for sale</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,402</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,453</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,453</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Loans, net of allowance for loan loss and unearned income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>773,242</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>771,460</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>771,460</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Accrued interest income receivable</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,908</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,908</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,908</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Bank owned life insurance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>36,669</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>36,669</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>36,669</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> FINANCIAL LIABILITIES:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Deposits with no stated maturities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>546,384</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>546,384</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>546,384</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Deposits with stated maturities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>308,138</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>313,272</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>313,272</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Short-term borrowings</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>41,555</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>41,555</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>41,555</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> All other borrowings</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>38,085</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>40,598</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>40,598</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Accrued interest payable</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,784</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,784</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,784</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">At December 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Carrying Value</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Fair Value</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">(Level 1)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">(Level 2)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">(Level 3)</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> FINANCIAL ASSETS:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Cash and cash equivalents</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 26,820</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 26,820</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 26,820</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Investment securities&nbsp;-&nbsp;AFS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 151,538</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 151,538</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 151,538</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Investment securities&nbsp;-&nbsp;HTM</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 13,723</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 14,266</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 11,321</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,945</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Regulatory stock</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,304</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,304</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,304</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Loans held for sale</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 10,576</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 10,722</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 10,722</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Loans, net of allowance for loan loss and unearned income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 708,594</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 716,756</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 716,756</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Accrued interest income receivable</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,960</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,960</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,960</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Bank owned life insurance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 36,214</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 36,214</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 36,214</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Fair value swap asset</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> FINANCIAL LIABILITIES:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Deposits with no stated maturities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 520,002</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 520,002</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 520,002</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Deposits with stated maturities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 315,732</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 320,930</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 320,930</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Short-term borrowings</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 15,660</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 15,660</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 15,660</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> All other borrowings</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 26,085</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 30,442</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 30,442</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Accrued interest payable</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,083</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,083</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,083</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Fair value swap liability</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByBalanceSheetGroupingTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25499696&amp;loc=d3e19207-110258<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13433-108611<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13467-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13476-108611<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 30<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957238&amp;loc=d3e14172-108612<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6447952&amp;loc=d3e13220-108610<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueByBalanceSheetGroupingTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>74
<FILENAME>R96.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EUH">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INCOME TAXES (Narrative) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>INCOME TAXES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TaxCreditCarryforwardAmount', window );">Alternative minimum tax credit carryforwards</a></td>
        <td class="nump">$ 1,700<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLossCarryforwards', window );">Net operating loss carryforwards</a></td>
        <td class="nump">$ 3,800<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLossCarryforwardsExpirationDate', window );">Net operating loss carryforwards, expiration date</a></td>
        <td class="text">Jan.
				01,
				 2025<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLossCarryforwards">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of operating loss carryforward, before tax effects, available to reduce future taxable income under enacted tax laws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OperatingLossCarryforwards</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLossCarryforwardsExpirationDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Expiration date of each operating loss carryforward included in operating loss carryforward, in CCYY-MM-DD format.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OperatingLossCarryforwardsExpirationDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:dateItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TaxCreditCarryforwardAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the tax credit carryforward, before tax effects, available to reduce future taxable income under enacted tax laws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Carryforwards<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506874<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TaxCreditCarryforwardAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>75
<FILENAME>R113.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EEUAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>STOCK COMPENSATION PLANS (Schedule of Stock Incentive Plan Activity) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward', window );"><strong>SHARES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Outstanding at beginning of year</a></td>
        <td class="nump">398,371<span></span></td>
        <td class="nump">313,612<span></span></td>
        <td class="nump">257,287<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross', window );">Granted</a></td>
        <td class="nump">102,445<span></span></td>
        <td class="nump">164,241<span></span></td>
        <td class="nump">58,575<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Exercised</a></td>
        <td class="num">(3,467)<span></span></td>
        <td class="num">(1,500)<span></span></td>
        <td class="num">(750)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod', window );">Forfeited</a></td>
        <td class="num">(10,000)<span></span></td>
        <td class="num">(77,982)<span></span></td>
        <td class="num">(1,500)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Outstanding at end of year</a></td>
        <td class="nump">487,349<span></span></td>
        <td class="nump">398,371<span></span></td>
        <td class="nump">313,612<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber', window );">Exercisable at end of year</a></td>
        <td class="nump">257,253<span></span></td>
        <td class="nump">167,624<span></span></td>
        <td class="nump">179,874<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward', window );"><strong>WEIGHTED AVERAGE EXERCISE PRICE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Outstanding at beginning of year</a></td>
        <td class="nump">$ 2.43<span></span></td>
        <td class="nump">$ 3.02<span></span></td>
        <td class="nump">$ 3.18<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice', window );">Granted</a></td>
        <td class="nump">$ 3.19<span></span></td>
        <td class="nump">$ 2.73<span></span></td>
        <td class="nump">$ 2.25<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice', window );">Exercised</a></td>
        <td class="nump">$ 1.81<span></span></td>
        <td class="nump">$ 1.70<span></span></td>
        <td class="nump">$ 1.70<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice', window );">Forfeited</a></td>
        <td class="nump">$ 4.25<span></span></td>
        <td class="nump">$ 5.47<span></span></td>
        <td class="nump">$ 1.70<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Outstanding at end of year</a></td>
        <td class="nump">$ 2.55<span></span></td>
        <td class="nump">$ 2.43<span></span></td>
        <td class="nump">$ 3.02<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Exercise price of common shares</a></td>
        <td class="nump">$ 2.25<span></span></td>
        <td class="nump">$ 2.29<span></span></td>
        <td class="nump">$ 3.81<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Weighted average fair value of options granted in current year</a></td>
        <td class="nump">$ 0.83<span></span></td>
        <td class="nump">$ 0.80<span></span></td>
        <td class="nump">$ 0.51<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average fair value at grant date for nonvested equity-based awards issued during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(2)(iii)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of shares into which fully or partially vested stock options outstanding as of the balance sheet date can be currently converted under the option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted-average price as of the balance sheet date at which grantees can acquire the shares reserved for issuance on vested portions of options outstanding and currently exercisable under the stock option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of shares under options that were cancelled during the reporting period as a result of occurrence of a terminating event specified in contractual agreements pertaining to the stock option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iv)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Gross number of share options (or share units) granted during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of options outstanding, including both vested and non-vested options.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(i)-(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average price at which grantees can acquire the shares reserved for issuance under the stock option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average price at which option holders acquired shares when converting their stock options into shares.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average price at which grantees could have acquired the underlying shares with respect to stock options that were terminated.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average per share amount at which grantees can acquire shares of common stock by exercise of options.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of share options (or share units) exercised during the current period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28,29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iv)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>76
<FILENAME>R6.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EH3CI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (USD $)<br>In Thousands</strong></div>
        </th>
        <th class="th">
          <div>Total</div>
        </th>
        <th class="th">
          <div>Preferred Stock [Member]</div>
        </th>
        <th class="th">
          <div>Common Stock [Member]</div>
        </th>
        <th class="th">
          <div>Treasury Stock [Member]</div>
        </th>
        <th class="th">
          <div>Capital Surplus [Member]</div>
        </th>
        <th class="th">
          <div>Retained Earnings [Member]</div>
        </th>
        <th class="th">
          <div>Accumulated Other Comprehensive Loss, Net [Member]</div>
        </th>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2010</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 20,669<span></span></td>
        <td class="nump">$ 264<span></span></td>
        <td class="num">$ (68,659)<span></span></td>
        <td class="nump">$ 145,045<span></span></td>
        <td class="nump">$ 14,601<span></span></td>
        <td class="num">$ (4,862)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">6,537<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">6,537<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_WarrantRepurchase', window );">TARP warrant repurchase (1,312,500 shares)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(825)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AccretionOfRedemptionDiscount', window );">Accretion of preferred stock discount</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">331<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(331)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan', window );">New common shares issued for exercise of stock options</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions', window );">Stock option expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">15<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredCostMethod', window );">Treasury stock, purchased at cost (384,000, 1,757,800 and 287,400 shares, respectively)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(582)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStockCash', window );">Cash dividend declared on common stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStockCash', window );">Cash dividend declared on preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,054)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive income (loss)</a></td>
        <td class="nump">1,202<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,202<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2011</a></td>
        <td class="nump">112,352<span></span></td>
        <td class="nump">21,000<span></span></td>
        <td class="nump">264<span></span></td>
        <td class="num">(69,241)<span></span></td>
        <td class="nump">145,061<span></span></td>
        <td class="nump">18,928<span></span></td>
        <td class="num">(3,660)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">5,039<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">5,039<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_WarrantRepurchase', window );">TARP warrant repurchase (1,312,500 shares)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AccretionOfRedemptionDiscount', window );">Accretion of preferred stock discount</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan', window );">New common shares issued for exercise of stock options</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions', window );">Stock option expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">38<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredCostMethod', window );">Treasury stock, purchased at cost (384,000, 1,757,800 and 287,400 shares, respectively)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(4,417)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStockCash', window );">Cash dividend declared on common stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStockCash', window );">Cash dividend declared on preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(828)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive income (loss)</a></td>
        <td class="num">(1,719)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,719)<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2012</a></td>
        <td class="nump">110,468<span></span></td>
        <td class="nump">21,000<span></span></td>
        <td class="nump">264<span></span></td>
        <td class="num">(73,658)<span></span></td>
        <td class="nump">145,102<span></span></td>
        <td class="nump">23,139<span></span></td>
        <td class="num">(5,379)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">5,193<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">5,193<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_WarrantRepurchase', window );">TARP warrant repurchase (1,312,500 shares)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AccretionOfRedemptionDiscount', window );">Accretion of preferred stock discount</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan', window );">New common shares issued for exercise of stock options</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">6<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions', window );">Stock option expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">82<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredCostMethod', window );">Treasury stock, purchased at cost (384,000, 1,757,800 and 287,400 shares, respectively)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,171)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStockCash', window );">Cash dividend declared on common stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(566)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStockCash', window );">Cash dividend declared on preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(209)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive income (loss)</a></td>
        <td class="num">(496)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(496)<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2013</a></td>
        <td class="nump">$ 113,307<span></span></td>
        <td class="nump">$ 21,000<span></span></td>
        <td class="nump">$ 264<span></span></td>
        <td class="num">$ (74,829)<span></span></td>
        <td class="nump">$ 145,190<span></span></td>
        <td class="nump">$ 27,557<span></span></td>
        <td class="num">$ (5,875)<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AccretionOfRedemptionDiscount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accretion of redemption or discount for preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AccretionOfRedemptionDiscount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_WarrantRepurchase">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Warrant Repurchase.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_WarrantRepurchase</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Changes in additional paid in capital related to exercise of share-based payments awards (such as stock options) and the amount of recognized equity-based compensation during the period (such as nonvested shares).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationAndExerciseOfStockOptions</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsCommonStockCash">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of paid and unpaid common stock dividends declared with the form of settlement in cash.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendsCommonStockCash</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsPreferredStockCash">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of paid and unpaid preferred stock dividends declared with the form of settlement in cash.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957935&amp;loc=d3e64057-112817<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendsPreferredStockCash</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e565-108580<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of other comprehensive income (loss) attributable to parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 4.E)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27010918&amp;loc=d3e74512-122707<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 4<br><br> -Section E<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29-31)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockholdersEquity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value of stock issued during the period from a dividend reinvestment plan (DRIP). A dividend reinvestment plan allows the holder of the stock to reinvest dividends paid to them by the entity on new issues of stock by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockValueAcquiredCostMethod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity impact of the cost of common and preferred stock that were repurchased during the period. Recorded using the cost method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6405813&amp;loc=d3e23239-112655<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TreasuryStockValueAcquiredCostMethod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>77
<FILENAME>R94.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E6IAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>INCOME TAXES (Schedule of Deferred Tax Assets and Liabilities) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsNetAbstract', window );"><strong>DEFERRED TAX ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses', window );">Allowance for loan losses</a></td>
        <td class="nump">$ 3,437<span></span></td>
        <td class="nump">$ 4,274<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves', window );">Unfunded commitment reserve</a></td>
        <td class="nump">264<span></span></td>
        <td class="nump">221<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment', window );">Premises and equipment</a></td>
        <td class="nump">1,832<span></span></td>
        <td class="nump">1,626<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions', window );">Accrued pension obligation</a></td>
        <td class="nump">1,462<span></span></td>
        <td class="nump">2,916<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards', window );">Net operating loss carryforwards</a></td>
        <td class="nump">1,307<span></span></td>
        <td class="nump">2,883<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax', window );">Alternative minimum tax credits</a></td>
        <td class="nump">1,749<span></span></td>
        <td class="nump">1,635<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsOther', window );">Other</a></td>
        <td class="nump">393<span></span></td>
        <td class="nump">368<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsNet', window );">Total tax assets</a></td>
        <td class="nump">10,444<span></span></td>
        <td class="nump">13,923<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesNetAbstract', window );"><strong>DEFERRED TAX LIABILITIES:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesInvestments', window );">Investment accretion</a></td>
        <td class="num">(18)<span></span></td>
        <td class="num">(28)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome', window );">Unrealized investment security gains</a></td>
        <td class="num">(545)<span></span></td>
        <td class="num">(2,133)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesOther', window );">Other</a></td>
        <td class="num">(309)<span></span></td>
        <td class="num">(295)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxLiabilities', window );">Total tax liabilities</a></td>
        <td class="num">(872)<span></span></td>
        <td class="num">(2,456)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsLiabilitiesNet', window );">Net deferred tax asset</a></td>
        <td class="nump">$ 9,572<span></span></td>
        <td class="nump">$ 11,467<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred tax liability attributable to taxable temporary differences.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Deferred Tax Liability<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510232<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 15<br><br> -Subparagraph b(2)<br><br> -Article 7<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredIncomeTaxLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsLiabilitiesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards, net of deferred tax liability attributable to taxable temporary differences.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsLiabilitiesNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b),(c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsNetAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsNetAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible operating loss carryforwards.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsOperatingLossCarryforwards</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences not separately disclosed.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsOther</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from property, plant, and equipment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible alternative minimum tax credit carryforwards.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Alternative Minimum Tax<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6504908<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from pension benefits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from loss reserves other than estimated credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsLossReserves</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from the provision for loan losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred tax liability attributable to taxable temporary differences from investments (excludes investments in subsidiaries and equity method investments).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxLiabilitiesInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesNetAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxLiabilitiesNetAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred tax liability attributable to taxable temporary differences not separately disclosed.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxLiabilitiesOther</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred tax liability attributable to taxable temporary differences from unrealized gains in other comprehensive income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 11<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18498875&amp;loc=d3e39076-109324<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29652012&amp;loc=d3e28680-109314<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>78
<FILENAME>R59.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E6CAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Schedule of Accumulated Other Comprehensive Loss) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax', window );">Pension obligation for defined benefit plan</a></td>
        <td class="num">$ (6,918)<span></span></td>
        <td class="num">$ (9,520)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax', window );">Unrealized holding gains on available for sale securities</a></td>
        <td class="nump">1,043<span></span></td>
        <td class="nump">4,141<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Total accumulated other comprehensive loss</a></td>
        <td class="num">$ (5,875)<span></span></td>
        <td class="num">$ (5,379)<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountingPoliciesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated appreciation or loss, net of tax, in value of the total of available-for-sale securities at the end of an accounting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669686-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e681-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10A<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669646-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total of net gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669686-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10A<br><br> -Subparagraph (j-k)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669646-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e681-108580<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669686-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e681-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 31<br><br> -Article 5<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>79
<FILENAME>R99.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EALAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Amounts Not Yet Recognized as a Component of Net Periodic Pension Cost) (Details) (Pension Plans, Defined Benefit [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans, Defined Benefit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract', window );"><strong>Amounts recognized in accumulated other comprehensive loss consists of:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax', window );">Transition asset</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="num">$ (8)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax', window );">Prior service cost</a></td>
        <td class="num">(19)<span></span></td>
        <td class="num">(38)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax', window );">Net actuarial loss</a></td>
        <td class="nump">10,107<span></span></td>
        <td class="nump">14,315<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax', window );">Total</a></td>
        <td class="nump">$ 10,088<span></span></td>
        <td class="nump">$ 14,269<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>After tax total of net gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>After tax net amount of gain (loss) that are not yet recognized as a component of net periodic benefit cost, and that are recognized as increases (decreases) in other comprehensive income as they arise.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesAfterTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of cost (credit) due to benefit changes attributable to plan participants' prior service pursuant to a plan amendment or a plan initiation, which has not yet been recognized as a component of net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditAfterTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>After tax amount of transition assets (obligations), as of the date FAS 87 or 106 was initially applied, that has not yet been recognized as a component of net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsAfterTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>80
<FILENAME>R35.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E2F">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock', window );">Earnings Per Share</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">Year ended December 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(In thousands, except per share data)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Numerator:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>5,193</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,039</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,537</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Preferred stock dividends and accretion of preferred stock discount</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>209</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 828</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,385</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net income available to common shareholders</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>4,984</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,211</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 5,152</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Denominator:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Weighted average common shares outstanding (basic)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>18,942</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 19,685</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 21,184</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Effect of stock options/warrants</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>92</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 62</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 21</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Weighted average common shares outstanding (diluted)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>19,034</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 19,747</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 21,205</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Earnings per common share:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Basic</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.26</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.21</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.24</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Diluted</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.26</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.21</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.24</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock', window );">Schedule of Changes in Each Component of Accumulated Other Comprehensive Loss</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Pension obligation for defined benefit plan</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(6,918)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (9,520</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Unrealized holding gains on available for sale securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,043</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 4,141</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total accumulated other comprehensive loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(5,875)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (5,379</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountingPoliciesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the components of accumulated other comprehensive income (loss).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669686-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of an entity's basic and diluted earnings per share calculations, including a reconciliation of numerators and denominators of the basic and diluted per-share computations for income from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>81
<FILENAME>R65.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EOSAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>LOANS (Summary of Loan Portfolio) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, net of unearned income</a></td>
        <td class="nump">$ 783,346<span></span></td>
        <td class="nump">$ 721,165<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, net of unearned income</a></td>
        <td class="nump">120,102<span></span></td>
        <td class="nump">102,822<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial loans secured by real estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, net of unearned income</a></td>
        <td class="nump">411,691<span></span></td>
        <td class="nump">383,339<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Real estate-mortgage [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, net of unearned income</a></td>
        <td class="nump">235,689<span></span></td>
        <td class="nump">217,584<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans, net of unearned income</a></td>
        <td class="nump">$ 15,864<span></span></td>
        <td class="nump">$ 17,420<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsNotesAndLoansReceivableLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5074-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>82
<FILENAME>R22.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CompensationAndRetirementDisclosureAbstract', window );"><strong>EMPLOYEE BENEFIT PLANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock', window );">EMPLOYEE BENEFIT PLANS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 14.&nbsp;&nbsp;EMPLOYEE BENEFIT PLANS</h2> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> PENSION PLANS:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company has a noncontributory defined benefit pension plan covering all employees who work at least 1,000 hours per year. The participants shall have a vested interest in their accrued benefit after five full years of service. The benefits of the plan are based upon the employee&#39;s years of service and average annual earnings for the highest five consecutive calendar years during the final ten year period of employment. Effective January 1, 2013, the Company implemented a soft freeze of its defined benefit pension plan for non-union employees. A soft freeze means that all existing employees as of December 31, 2012 will remain in the defined benefit pension plan but any new non-union employees hired after January 1, 2013 will no longer be part of the defined benefit plan but instead will be offered retirement benefits under an enhanced 401K program. The Company implemented a similar soft freeze of its defined benefit pension plan for union employees effective January 1, 2014. The Company executed these changes to help reduce its pension costs in future years. Plan assets are primarily debt securities (including U.S. Treasury and Agency securities, corporate notes and bonds), listed common stocks (including shares of AmeriServ Financial, Inc. common stock valued at $631,000 and is limited to 10% of the plan&#39;s assets), mutual funds, and short-term cash equivalent instruments. The following actuarial tables are based upon data provided by an independent third party as of December 31, 2013.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> PENSION BENEFITS:</h5> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> CHANGE IN BENEFIT OBLIGATION:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Benefit obligation at beginning of year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>29,844</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 25,709</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Service cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,703</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,593</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,189</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,234</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Actuarial (gain) loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(757)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,882</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Benefits paid</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(1,730)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (1,574</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Benefit obligation at end of year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>30,249</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 29,844</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> CHANGE IN PLAN ASSETS:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Fair value of plan assets at beginning of year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>21,368</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 18,180</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Actual return on plan assets</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,850</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,162</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Employer contributions</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,800</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,600</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Benefits paid</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(1,730)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (1,574</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Fair value of plan assets at end of year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>26,288</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 21,368</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Funded status of the plan&nbsp;-&nbsp;under funded</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(3,961)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (8,476</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> AMOUNTS NOT YET RECOGNIZED AS A COMPONENT OF NET PERIODIC PENSION COST:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Amounts recognized in accumulated other comprehensive loss consists of:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Transition asset</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(8</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Prior service cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(19)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(38</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net actuarial loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>10,107</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 14,315</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>10,088</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 14,269</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">YEAR ENDED<br /> DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> ACCUMULATED BENEFIT OBLIGATION:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Accumulated benefit obligation</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>27,566</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 26,662</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The weighted-average assumptions used to determine benefit obligations at December 31, 2013 and 2012 were as follows:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> WEIGHTED AVERAGE ASSUMPTIONS:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Discount rate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4.50%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Salary scale</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.50</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2.50</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> COMPONENTS OF NET PERIODIC BENEFIT COST:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Service cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,703</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,593</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,335</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,189</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,234</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,198</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Expected return on plan assets</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,775)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,656</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,582</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Amortization of prior year service cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(19)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(19</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">7</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Amortization of transition asset</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(8)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(17</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(17</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Recognized net actuarial loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,375</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,094</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 800</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net periodic pension cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>2,465</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,229</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,741</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE LOSS<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net (gain) loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(2,832)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,376</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,090</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Recognized loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,375)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,094</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (800</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Recognized prior service cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>19</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">19</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(7</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Recognized net initial asset</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>8</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 17</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 17</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total recognized in other comprehensive loss before tax effect</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(4,180)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,318</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,300</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total recognized in net benefit cost and other comprehensive loss before tax effect</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(1,715)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 3,547</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,041</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The estimated net loss and prior service cost for the defined benefit pension plan that will be amortized from accumulated other comprehensive loss into net periodic benefit cost over the next year are $1,085,000, $(19,000), respectively.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The weighted-average assumptions used to determine net periodic benefit cost for the years ended December 31, 2013, 2012 and 2011 were as follows:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> WEIGHTED AVERAGE ASSUMPTIONS:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Discount rate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4.00%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4.75</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5.25</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Expected return on plan assets</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8.00</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 8.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Rate of compensation increase</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.50</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2.50</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2.50</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company has assumed an 8% long-term expected return on plan assets. This assumption was based upon the plan&#39;s historical investment performance over a longer-term period of 15 years combined with the plan&#39;s investment objective of balanced growth and income. Additionally, this assumption also incorporates a targeted range for equity securities of approximately 60% of plan assets.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> PLAN ASSETS:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The plan&#39;s measurement date is December 31, 2013. This plan&#39;s asset allocations at December 31, 2013 and 2012, by asset category are as follows:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> ASSET CATEGORY:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Cash and cash equivalents</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Domestic equities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>10</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">22</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Mutual funds/ETFs</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>79</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">63</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> International equities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">2</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Corporate bonds</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>5</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>100%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 100</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The major categories of assets in the Company&#39;s Pension Plan as of year end are presented in the following table. Assets are segregated by the level of the valuation inputs within the fair value hierarchy established by ASC Topic 820 utilized to measure fair value.</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Level 1:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Cash and cash equivalents</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Domestic equities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,741</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,731</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> International equities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,478</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">336</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Mutual funds/ETFs</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>20,744</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 13,566</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Level 2:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Corporate bonds</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,325</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,735</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total fair value of plan assets</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>26,288</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 21,368</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Cash and cash equivalents may include uninvested cash balances along with money market mutual funds, treasury bills, or other assets normally categorized as cash equivalents. Domestic equities may include common or preferred stocks, covered options, rights or warrants, or ADRs which are traded on any U.S. equity market. Mutual funds/ETFs may include any equity, fixed income, balanced, international, or global mutual fund or exchange traded fund including any propriety fund managed by the Trust Company. Agencies may include any U.S. government agency security or asset-backed security. Collective investment funds may include equity, fixed income, or balanced collective investment funds managed by the Trust Company. Corporate bonds may include any corporate bond or note.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The investment strategy objective for the pension plan is a balance of growth and income. This objective seeks to develop a portfolio for acceptable levels of current income together with the opportunity for capital appreciation. The balanced growth and income objective reflects a relatively equal balance between equity and fixed income investments such as debt securities. The allocation between equity and fixed income assets may vary by a moderate degree but the plan typically targets a range of equity investments between 50% and 60% of the plan assets. This means that fixed income and cash investments typically approximate 40% to 50% of the plan assets. The plan is also able to invest in ASRV common stock up to a maximum level of 10% of the market value of the plan assets (at December 31, 2013, 2.4% of the plan assets were invested in ASRV common stock). This asset mix is intended to ensure that there is a steady stream of cash from maturing investments to fund benefit payments.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> CASH FLOWS:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company presently expects that the contribution to be made to the Plan in 2014 will be approximately $2.0 million.</p> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> ESTIMATED FUTURE BENEFIT PAYMENTS:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following benefit payments, which reflect future service, as appropriate, are expected to be paid.</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> YEAR:</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">ESTIMATED FUTURE BENEFIT PAYMENTS</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2014</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,444</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2015</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,268</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2016</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,752</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2017</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,809</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2018</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,430</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Years 2019&nbsp;-&nbsp;2023</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 14,200</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 401(k) PLAN:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company maintains a qualified 401(k) plan that allows for participation by Company employees. Under the plan, employees may elect to make voluntary, pretax contributions to their accounts which the Company will match one half on the first 2% of contribution up to a maximum of 1%. The Company also contributes 4% of salaries for union members who are in the plan. Effective January 1, 2013, any new non-union employees receive a 4% non-elective contribution and these employees may elect to make voluntary, pretax contributions to their accounts which the Company will match one half on the first 6% of contribution up to a maximum of 3%. Contributions by the Company charged to operations were $327,000 and $277,000 for the years ended December 31, 2013 and 2012, respectively. The fair value of plan assets includes $802,000 pertaining to the value of the Company&#39;s common stock and Trust Preferred securities that are held by the plan at December 31, 2013.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Except for the above benefit plans, the Company has no significant additional exposure for any other post-retirement or post-employment benefits.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CompensationAndRetirementDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CompensationAndRetirementDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for pension and other postretirement benefits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -URI http://asc.fasb.org/topic&amp;trid=2235017<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>83
<FILENAME>R36.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EKH">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INVESTMENT SECURITIES (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsAbstract', window );"><strong>INVESTMENT SECURITIES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock', window );">Schedule of Cost Basis and Fair Values of Investment Securities</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">AT DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COST BASIS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">GROSS UNREALIZED GAINS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">GROSS UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR<br /> VALUE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6,926</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>35</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(126)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6,835</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Corporate bonds</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>11,992</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>21</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(252)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>11,761</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency mortgage-backed securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>121,480</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>3,129</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(1,227)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>123,382</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>140,398</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>3,185</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(1,605)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>141,978</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">AT DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COST BASIS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">GROSS UNREALIZED GAINS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">GROSS UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR<br /> VALUE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency mortgage-backed securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>12,671</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>289</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(477)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>12,483</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Taxable municipal</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,521</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(120)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,401</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Corporate bonds and other securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>3,995</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(91)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>3,904</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>18,187</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>289</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(688)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>17,788</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COST BASIS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">GROSS UNREALIZED GAINS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">GROSS UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR<br /> VALUE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,848</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">70</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(7</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,911</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Corporate bonds</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,992</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">3</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (103</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,892</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency mortgage-backed securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 131,425</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 6,320</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (10</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 137,735</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 145,265</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 6,393</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (120</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 151,538</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COST BASIS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">GROSS UNREALIZED GAINS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">GROSS UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR<br /> VALUE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency mortgage-backed securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9,318</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">578</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9,896</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Taxable municipal</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">410</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">6</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">416</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Corporate bonds and other securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 3,995</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 14</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (55</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 3,954</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 13,723</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 598</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (55</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 14,266</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock', window );">Schedule of Contractual Maturities of Securities</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="31">AT DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">U. S. AGENCY</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">U.S. AGENCY MORTGAGE- BACKED SECURITIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">CORPORATE BONDS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TOTAL INVESTMENT SECURITIES AVAILABLE FOR SALE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="31">(IN THOUSANDS, EXCEPT YIELDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> COST BASIS<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Within 1 year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 1 year but within<br /> 5 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>5,926</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.50</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,813</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4.54</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>7,994</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.56</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>15,733</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.90</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 5 years but within 10 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,000</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.43</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>12,381</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.88</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,998</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.91</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>17,379</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.59</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 10 years but within 15 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>64,347</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.74</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>64,347</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.74</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Over 15 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>42,939</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>2.74</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>42,939</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>2.74</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>6,926</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> <strong>1.49</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>121,480</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> <strong>2.78</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>11,992</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> <strong>1.68</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>140,398</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> <strong>2.63</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> FAIR VALUE<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Within 1 year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 1 year but within<br /> 5 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>5,898</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,934</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>7,947</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>15,779</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 5 years but within 10 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>937</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>12,735</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,814</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>17,486</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 10 years but within 15 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>64,751</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>64,751</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Over 15 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>43,962</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>43,962</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>6,835</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>123,382</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>11,761</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>141,978</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23">AT DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">U.S. AGENCY MORTGAGE-BACKED SECURITIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">CORPORATE BONDS AND OTHER</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TOTAL INVESTMENT SECURITIES HELD TO MATURITY</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23">(IN THOUSANDS, EXCEPT YIELDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> COST BASIS<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Within 1 year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 1 year but within 5 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,000</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.46</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,000</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.46</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 5 years but within 10 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,760</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.10</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,760</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.10</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 10 years but within 15 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,011</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3.14</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,011</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3.14</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Over 15 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>10,911</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>3.49</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,505</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>4.54</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>12,416</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>3.62</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>12,671</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> <strong>3.30</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>5,516</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> <strong>2.61</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>18,187</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> <strong>3.09</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> FAIR VALUE<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Within 1 year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 1 year but within 5 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,966</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,966</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 5 years but within 10 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,618</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,618</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 10 years but within 15 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>891</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>891</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Over 15 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>10,865</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,448</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>12,313</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>12,483</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>5,305</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>17,788</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock', window );">Schedule of Information Concerning Investments with Unrealized Losses</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">LESS THAN 12 MONTHS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">12 MONTHS OR LONGER</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TOTAL</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,812</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(64)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>938</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(62)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4,750</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(126)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency mortgage-backed<br /> securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>43,402</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,224)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>669</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(3)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>44,071</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,227)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Corporate bonds</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>6,777</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(215)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,963</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(37)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>8,740</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(252)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>53,991</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(1,503)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>3,570</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(102)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>57,561</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(1,605)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">LESS THAN 12 MONTHS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">12 MONTHS OR LONGER</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TOTAL</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Corporate bonds/taxable municipals and other securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,801</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(205)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>994</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(6)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4,795</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(211)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency mortgage-backed securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>8,761</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(477)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>8,761</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(477)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>12,562</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(682)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>994</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(6)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>13,556</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(688)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following tables present information concerning investments with unrealized losses as of December 31, 2012 (in thousands):</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">LESS THAN 12 MONTHS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">12 MONTHS OR LONGER</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TOTAL</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">993</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(7</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">993</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(7</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency mortgage-backed securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,140</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(8</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">349</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(2</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,489</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(10</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Corporate bonds</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 6,898</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (103</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 6,898</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (103</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 9,031</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (118</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 349</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (2</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 9,380</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (120</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">LESS THAN 12 MONTHS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">12 MONTHS OR LONGER</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TOTAL</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Corporate bonds and other securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 965</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (35</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,981</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (20</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,946</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (55</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 965</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (35</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,981</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (20</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,946</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (55</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InvestmentsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of maturities of an entity's investments as well as any other information pertinent to the investments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the reconciliation of available-for-sale securities from cost basis to fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For all investments in an unrealized loss position, including those for which other-than-temporary impairments have not been recognized in earnings (including investments for which a portion of an other-than-temporary impairment has been recognized in other comprehensive income), a tabular disclosure of the aggregate related fair value of investments with unrealized losses and the aggregate amount of unrealized losses (that is, the amount by which amortized cost basis exceeds fair value).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>84
<FILENAME>R98.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ENXAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Changes in Benefit Obligations and Plan Assets and Funded Status) (Details) (Pension Plans, Defined Benefit [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans, Defined Benefit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward', window );"><strong>CHANGE IN BENEFIT OBLIGATION:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitObligation', window );">Benefit obligation at beginning of year</a></td>
        <td class="nump">$ 29,844<span></span></td>
        <td class="nump">$ 25,709<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanServiceCost', window );">Service cost</a></td>
        <td class="nump">1,703<span></span></td>
        <td class="nump">1,593<span></span></td>
        <td class="nump">1,335<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInterestCost', window );">Interest cost</a></td>
        <td class="nump">1,189<span></span></td>
        <td class="nump">1,234<span></span></td>
        <td class="nump">1,198<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanActuarialGainLoss', window );">Actuarial (gain) loss</a></td>
        <td class="num">(757)<span></span></td>
        <td class="nump">2,882<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitsPaid', window );">Benefits paid</a></td>
        <td class="num">(1,730)<span></span></td>
        <td class="num">(1,574)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitObligation', window );">Benefit obligation at end of year</a></td>
        <td class="nump">30,249<span></span></td>
        <td class="nump">29,844<span></span></td>
        <td class="nump">25,709<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward', window );"><strong>CHANGE IN PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets at beginning of year</a></td>
        <td class="nump">21,368<span></span></td>
        <td class="nump">18,180<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets', window );">Actual return on plan assets</a></td>
        <td class="nump">3,850<span></span></td>
        <td class="nump">2,162<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanContributionsByEmployer', window );">Employer contributions</a></td>
        <td class="nump">2,800<span></span></td>
        <td class="nump">2,600<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitsPaid', window );">Benefits paid</a></td>
        <td class="num">(1,730)<span></span></td>
        <td class="num">(1,574)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets at end of year</a></td>
        <td class="nump">26,288<span></span></td>
        <td class="nump">21,368<span></span></td>
        <td class="nump">18,180<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFundedStatusOfPlan', window );">Funded status of the plan-under funded</a></td>
        <td class="num">$ (3,961)<span></span></td>
        <td class="num">$ (8,476)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The difference between fair value of plan assets at the end of the period and the fair value at the beginning of the period, adjusted for contributions and payments of benefits during the period, and after adjusting for taxes and other expenses, as applicable.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Actual Return on Plan Assets (Component of Net Periodic Postretirement Benefit Cost)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6504192<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Actual Return on Plan Assets (Component of Net Periodic Pension Cost)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6504226<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanActuarialGainLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of gain (loss) related to change in benefit obligation resulting from changes in actuarial assumptions, for example, but not limited to, interest, mortality, employee turnover, salary, and temporary deviation from the substantive plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Glossary Gain or Loss<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6514294<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 60<br><br> -Glossary Gain or Loss<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6749293<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanActuarialGainLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanBenefitObligation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>1) For defined benefit pension plans, the benefit obligation is the projected benefit obligation, which is the actuarial present value as of a date of all benefits attributed by the pension benefit formula to employee service rendered prior to that date.  2) For other postretirement defined benefit plans, the benefit obligation is the accumulated postretirement benefit obligation, which is the actuarial present value of benefits attributed to employee service rendered to a particular date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Projected Benefit Obligation<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6522206<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Accumulated Postretirement Benefit Obligation<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6503904<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanBenefitObligation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanBenefitsPaid">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of payments made for which participants are entitled under a pension plan, including pension benefits, death benefits, and benefits due on termination of employment. Also includes payments made under a postretirement benefit plan, including prescription drug benefits, health care benefits, life insurance benefits, and legal, educational and advisory services. This item represents a periodic decrease to the plan obligations and a decrease to plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Postretirement Benefits<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6521376<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 60<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6414203&amp;loc=d3e39716-114964<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Glossary Benefits<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506267<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 60<br><br> -Glossary Benefits<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506309<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)(5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanBenefitsPaid</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanContributionsByEmployer">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase in the fair value of plan assets from contributions made by the employer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanContributionsByEmployer</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Assets, usually stocks, bonds, and other investments, that have been segregated and restricted (usually in a trust) to provide benefits, at their fair value as of the measurement date. Plan assets include amounts contributed by the employer (and by employees for a contributory plan) and amounts earned from investing the contributions, less benefits paid. If a plan has liabilities other than for benefits, those non-benefit obligations may be considered as reductions of plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Section 35<br><br> -Paragraph 50<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29635418&amp;loc=d3e12355-114930<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanFairValueOfPlanAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFundedStatusOfPlan">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The funded status is measured as the difference between the fair value of plan assets and the benefit obligation. Will normally be the same as the net Defined Benefit Plan, Amounts Recognized in Balance Sheet, Total.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21915240&amp;loc=d3e1703-114919<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanFundedStatusOfPlan</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanInterestCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase in a defined benefit pension plan's projected benefit obligation or a defined benefit postretirement plan's accumulated postretirement benefit obligation due to the passage of time.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanInterestCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanServiceCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The actuarial present value of benefits attributed by the pension benefit formula to services rendered by employees during the period. The portion of the expected postretirement benefit obligation attributed to employee service during the period. The service cost component is a portion of the benefit obligation and is unaffected by the funded status of the plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Service Cost (Component of Net Periodic Pension Cost)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6525008<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanServiceCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>85
<FILENAME>R123.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ELMBG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PARENT COMPANY FINANCIAL INFORMATION (Statements of Cash Flows) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>OPERATING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">$ 5,193<span></span></td>
        <td class="nump">$ 5,039<span></span></td>
        <td class="nump">$ 6,537<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash provided by operating activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations', window );">Net cash provided by operating activities</a></td>
        <td class="nump">14,854<span></span></td>
        <td class="nump">3,212<span></span></td>
        <td class="nump">10,794<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>INVESTING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities', window );">Proceeds from maturities of investment securities - available for sale</a></td>
        <td class="nump">43,307<span></span></td>
        <td class="nump">59,800<span></span></td>
        <td class="nump">53,243<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations', window );">Net cash used in investing activities</a></td>
        <td class="num">(66,301)<span></span></td>
        <td class="num">(32,154)<span></span></td>
        <td class="num">(14,074)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>FINANCING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfWarrants', window );">TARP warrant repurchase</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="num">(825)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock', window );">Preferred stock dividend paid</a></td>
        <td class="num">(209)<span></span></td>
        <td class="num">(828)<span></span></td>
        <td class="num">(1,054)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsCommonStock', window );">Common stock dividend paid</a></td>
        <td class="num">(566)<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations', window );">Net cash provided by financing activities</a></td>
        <td class="nump">54,693<span></span></td>
        <td class="nump">20,979<span></span></td>
        <td class="nump">18,726<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS</a></td>
        <td class="nump">3,246<span></span></td>
        <td class="num">(7,963)<span></span></td>
        <td class="nump">15,446<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS AT JANUARY 1</a></td>
        <td class="nump">26,820<span></span></td>
        <td class="nump">34,783<span></span></td>
        <td class="nump">19,337<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS AT DECEMBER 31</a></td>
        <td class="nump">30,066<span></span></td>
        <td class="nump">26,820<span></span></td>
        <td class="nump">34,783<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Parent Company [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>OPERATING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">5,193<span></span></td>
        <td class="nump">5,039<span></span></td>
        <td class="nump">6,537<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash provided by operating activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromSubsidiariesNetOfTax', window );">Equity in undistributed earnings of subsidiaries</a></td>
        <td class="num">(756)<span></span></td>
        <td class="nump">2,080<span></span></td>
        <td class="num">(4,901)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock compensation expense</a></td>
        <td class="nump">82<span></span></td>
        <td class="nump">38<span></span></td>
        <td class="nump">15<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherOperatingActivitiesCashFlowStatement', window );">Other - net</a></td>
        <td class="num">(718)<span></span></td>
        <td class="num">(989)<span></span></td>
        <td class="num">(285)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations', window );">Net cash provided by operating activities</a></td>
        <td class="nump">3,801<span></span></td>
        <td class="nump">6,168<span></span></td>
        <td class="nump">1,366<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>INVESTING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities', window );">Purchase of investment securities - available for sale</a></td>
        <td class="num">(3,885)<span></span></td>
        <td class="num">(2,077)<span></span></td>
        <td class="num">(3,049)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities', window );">Proceeds from maturities of investment securities - available for sale</a></td>
        <td class="nump">2,506<span></span></td>
        <td class="nump">2,809<span></span></td>
        <td class="nump">5,942<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations', window );">Net cash used in investing activities</a></td>
        <td class="num">(1,379)<span></span></td>
        <td class="nump">732<span></span></td>
        <td class="nump">2,893<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>FINANCING ACTIVITIES</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Purchase of regulatory stock</a></td>
        <td class="num">(1,171)<span></span></td>
        <td class="num">(4,417)<span></span></td>
        <td class="num">(582)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfWarrants', window );">TARP warrant repurchase</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="num">(825)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock', window );">Preferred stock dividend paid</a></td>
        <td class="num">(209)<span></span></td>
        <td class="num">(828)<span></span></td>
        <td class="num">(1,054)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsCommonStock', window );">Common stock dividend paid</a></td>
        <td class="num">(566)<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations', window );">Net cash provided by financing activities</a></td>
        <td class="num">(1,946)<span></span></td>
        <td class="num">(5,245)<span></span></td>
        <td class="num">(2,461)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS</a></td>
        <td class="nump">476<span></span></td>
        <td class="nump">1,655<span></span></td>
        <td class="nump">1,798<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS AT JANUARY 1</a></td>
        <td class="nump">6,185<span></span></td>
        <td class="nump">4,530<span></span></td>
        <td class="nump">2,732<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS AT DECEMBER 31</a></td>
        <td class="nump">$ 6,661<span></span></td>
        <td class="nump">$ 6,185<span></span></td>
        <td class="nump">$ 4,530<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358313&amp;loc=d3e6676-107765<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3044-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsAtCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of increase (decrease) in cash and cash equivalents. Cash and cash equivalents are the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Includes effect from exchange rate changes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 830<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450594&amp;loc=d3e33268-110906<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromSubsidiariesNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of income (loss) of subsidiary attributable to the parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromSubsidiariesNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash inflow (outflow) of financing activities, excluding discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash inflow (outflow) of investing activities, excluding discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash inflow (outflow) from operating activities, excluding discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3536-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e565-108580<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherOperatingActivitiesCashFlowStatement">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Other cash or noncash adjustments to reconcile net income to cash provided by (used in) operating activities that are not separately disclosed in the statement of cash flows (for example,  cash received or cash paid during the current period for miscellaneous operating activities, net change during the reporting period in other assets or other liabilities).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherOperatingActivitiesCashFlowStatement</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to reacquire common stock during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForRepurchaseOfCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfWarrants">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount paid by the entity to reacquire the right to purchase equity shares at a predetermined price, usually issued together with corporate debt.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForRepurchaseOfWarrants</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividendsCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash outflow in the form of ordinary dividends to common shareholders of the parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsOfDividendsCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of cash outflow in the form of ordinary dividends to preferred shareholders of the parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3291-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to acquire debt and equity securities not classified as either held-to-maturity securities or trading securities which would be classified as available-for-sale securities and reported at fair value, with unrealized gains and losses excluded from earnings and reported in a separate component of shareholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3213-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale or maturity (principal being due) of securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>86
<FILENAME>R24.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>COMMITMENTS AND CONTINGENT LIABILITIES<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>COMMITMENTS AND CONTINGENT LIABILITIES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock', window );">COMMITMENTS AND CONTINGENT LIABILITIES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 16.&nbsp;&nbsp;COMMITMENTS AND CONTINGENT LIABILITIES</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company incurs off-balance sheet risks in the normal course of business in order to meet the financing needs of its customers. These risks derive from commitments to extend credit and standby letters of credit. Such commitments and standby letters of credit involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated financial statements. Commitments to extend credit are obligations to lend to a customer as long as there is no violation of any condition established in the loan agreement. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Because many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Company evaluates each customer&#39;s creditworthiness on a case-by-case basis. Collateral which secures these types of commitments is the same as for other types of secured lending such as accounts receivable, inventory, and fixed assets.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements, including normal business activities, bond financings, and similar transactions. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. Letters of credit are issued both on an unsecured and secured basis. Collateral securing these types of transactions is similar to collateral securing the Company&#39;s commercial loans.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company&#39;s exposure to credit loss in the event of nonperformance by the other party to these commitments to extend credit and standby letters of credit is represented by their contractual amounts. The Company uses the same credit and collateral policies in making commitments and conditional obligations as for all other lending. At December 31, 2013, the Company had various outstanding commitments to extend credit approximating $146,008,000 and standby letters of credit of $13,229,000, compared to commitments to extend credit of $132,804,000 and standby letters of credit of $11,365,000 at December 31, 2012. Standby letters of credit had terms ranging from 1 to 2 years with annual extension options available. Standby letters of credit of approximately $3.9 million were secured as of December 31, 2013 and approximately $4.2 million at December 31, 2012. The carrying amount of the liability for AmeriServ obligations related to unfunded commitments and standby letters of credit was $776,000 at December 31, 2013 and $648,000 at December 31, 2012.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Pursuant to its bylaws, the Company provides indemnification to its directors and officers against certain liabilities incurred as a result of their service on behalf of the Company. In connection with this indemnification obligation, the Company can advance on behalf of covered individuals costs incurred in defending against certain claims. Additionally, the Company is also subject to a number of asserted and unasserted potential claims encountered in the normal course of business. In the opinion of the Company, neither the resolution of these claims nor the funding of these credit commitments will have a material adverse effect on the Company&#39;s consolidated financial position, results of operation or cash flows.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommitmentsAndContingenciesDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for commitments and contingencies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.25)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6449706&amp;loc=d3e16207-108621<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 460<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6398077&amp;loc=d3e12565-110249<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25496072&amp;loc=d3e14435-108349<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 440<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6394976&amp;loc=d3e25287-109308<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommitmentsAndContingenciesDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>87
<FILENAME>R68.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E4DBI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Summary of Primary Segments of Loan Portfolio) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Individually evaluated for impairment</a></td>
        <td class="nump">$ 3,066<span></span></td>
        <td class="nump">$ 4,806<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
        <td class="nump">780,280<span></span></td>
        <td class="nump">716,359<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump">783,346<span></span></td>
        <td class="nump">721,165<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Specific reserve allocation</a></td>
        <td class="nump">813<span></span></td>
        <td class="nump">1,586<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">General reserve allocation</a></td>
        <td class="nump">9,291<span></span></td>
        <td class="nump">10,985<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Total allowance for loan losses</a></td>
        <td class="nump">10,104<span></span></td>
        <td class="nump">12,571<span></span></td>
        <td class="nump">14,623<span></span></td>
        <td class="nump">19,765<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Individually evaluated for impairment</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
        <td class="nump">120,102<span></span></td>
        <td class="nump">102,822<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump">120,102<span></span></td>
        <td class="nump">102,822<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Specific reserve allocation</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">General reserve allocation</a></td>
        <td class="nump">2,844<span></span></td>
        <td class="nump">2,596<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Total allowance for loan losses</a></td>
        <td class="nump">2,844<span></span></td>
        <td class="nump">2,596<span></span></td>
        <td class="nump">2,365<span></span></td>
        <td class="nump">3,851<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial loans secured by real estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Individually evaluated for impairment</a></td>
        <td class="nump">3,005<span></span></td>
        <td class="nump">4,793<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
        <td class="nump">408,686<span></span></td>
        <td class="nump">378,546<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump">411,691<span></span></td>
        <td class="nump">383,339<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Specific reserve allocation</a></td>
        <td class="nump">812<span></span></td>
        <td class="nump">1,586<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">General reserve allocation</a></td>
        <td class="nump">4,073<span></span></td>
        <td class="nump">6,210<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Total allowance for loan losses</a></td>
        <td class="nump">4,885<span></span></td>
        <td class="nump">7,796<span></span></td>
        <td class="nump">9,400<span></span></td>
        <td class="nump">12,717<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Real estate-mortgage [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Individually evaluated for impairment</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
        <td class="nump">235,689<span></span></td>
        <td class="nump">217,584<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump">235,689<span></span></td>
        <td class="nump">217,584<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Specific reserve allocation</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">General reserve allocation</a></td>
        <td class="nump">1,260<span></span></td>
        <td class="nump">1,269<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Total allowance for loan losses</a></td>
        <td class="nump">1,260<span></span></td>
        <td class="nump">1,269<span></span></td>
        <td class="nump">1,270<span></span></td>
        <td class="nump">1,117<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Individually evaluated for impairment</a></td>
        <td class="nump">61<span></span></td>
        <td class="nump">13<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Collectively evaluated for impairment</a></td>
        <td class="nump">15,803<span></span></td>
        <td class="nump">17,407<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total Loans</a></td>
        <td class="nump">15,864<span></span></td>
        <td class="nump">17,420<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Specific reserve allocation</a></td>
        <td class="nump">1<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">General reserve allocation</a></td>
        <td class="nump">135<span></span></td>
        <td class="nump">150<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Total allowance for loan losses</a></td>
        <td class="nump">136<span></span></td>
        <td class="nump">150<span></span></td>
        <td class="nump">174<span></span></td>
        <td class="nump">206<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Allocation for general risk [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1', window );">Specific reserve allocation</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">General reserve allocation</a></td>
        <td class="nump">979<span></span></td>
        <td class="nump">760<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Total allowance for loan losses</a></td>
        <td class="nump">$ 979<span></span></td>
        <td class="nump">$ 760<span></span></td>
        <td class="nump">$ 1,414<span></span></td>
        <td class="nump">$ 1,874<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsNotesAndLoansReceivableLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A valuation allowance for financing receivables that are expected to be uncollectible.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The balance of financing receivables that were collectively evaluated for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (h)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The balance of financing receivables that were individually evaluated for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (h)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5074-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>88
<FILENAME>R108.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E6AAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>LEASE COMMITMENTS (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract', window );"><strong>FUTURE MINIMUM LEASE PAYMENTS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent', window );">2014</a></td>
        <td class="nump">$ 712<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears', window );">2015</a></td>
        <td class="nump">682<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears', window );">2016</a></td>
        <td class="nump">625<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears', window );">2017</a></td>
        <td class="nump">511<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears', window );">2018</a></td>
        <td class="nump">366<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter', window );">2019 and thereafter</a></td>
        <td class="nump">1,931<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingLeasesRentExpenseNet', window );">Rent expense included in total non-interest expense</a></td>
        <td class="nump">$ 764<span></span></td>
        <td class="nump">$ 785<span></span></td>
        <td class="nump">$ 665<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of required minimum rental payments maturing in the next fiscal year following the latest fiscal year for operating leases having an initial or remaining non-cancelable letter-terms in excess of one year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of required minimum rental payments maturing in the fifth fiscal year following the latest fiscal year for operating leases having an initial or remaining non-cancelable letter-terms in excess of one year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of required minimum rental payments maturing in the forth fiscal year following the latest fiscal year for operating leases having an initial or remaining non-cancelable letter-terms in excess of one year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of required minimum rental payments maturing in the third fiscal year following the latest fiscal year for operating leases having an initial or remaining non-cancelable letter-terms in excess of one year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of required minimum rental payments maturing in the second fiscal year following the latest fiscal year for operating leases having an initial or remaining non-cancelable letter-terms in excess of one year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of required minimum rental payments maturing after the fifth fiscal year following the latest fiscal year for operating leases having an initial or remaining non-cancelable letter-terms in excess of one year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasesRentExpenseNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Rental expense for the reporting period incurred under operating leases, including minimum and any contingent rent expense, net of related sublease income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41499-112717<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OperatingLeasesRentExpenseNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>89
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/**
 * Rivet Software Inc.
 *
 * @copyright Copyright (c) 2006-2011 Rivet Software, Inc. All rights reserved.
 * Version 2.4.0.3
 *
 */

var Show = {};
Show.LastAR = null,

Show.hideAR = function(){
	Show.LastAR.style.display = 'none';
};

Show.showAR = function ( link, id, win ){
	if( Show.LastAR ){
		Show.hideAR();
	}

	var ref = link;
	do {
		ref = ref.nextSibling;
	} while (ref && ref.nodeName != 'TABLE');

	if (!ref || ref.nodeName != 'TABLE') {
		var tmp = win ?
			win.document.getElementById(id) :
			document.getElementById(id);

		if( tmp ){
			ref = tmp.cloneNode(true);
			ref.id = '';
			link.parentNode.appendChild(ref);
		}
	}

	if( ref ){
		ref.style.display = 'block';
		Show.LastAR = ref;
	}
};

Show.toggleNext = function( link ){
	var ref = link;

	do{
		ref = ref.nextSibling;
	}while( ref.nodeName != 'DIV' );

	if( ref.style &&
		ref.style.display &&
		ref.style.display == 'none' ){
		ref.style.display = 'block';

		if( link.textContent ){
			link.textContent = link.textContent.replace( '+', '-' );
		}else{
			link.innerText = link.innerText.replace( '+', '-' );
		}
	}else{
		ref.style.display = 'none';

		if( link.textContent ){
			link.textContent = link.textContent.replace( '-', '+' );
		}else{
			link.innerText = link.innerText.replace( '-', '+' );
		}
	}
};
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>90
<FILENAME>R7.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EIEAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementOfStockholdersEquityAbstract', window );"><strong>CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Treasury stock, purchased at cost, shares</a></td>
        <td class="nump">384,000<span></span></td>
        <td class="nump">1,757,800<span></span></td>
        <td class="nump">287,400<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RepurchaseOfWarrantsShares', window );">Warrants repurchased, shares</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,312,500<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_RepurchaseOfWarrantsShares">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Repurchase Of Warrants, Shares.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_RepurchaseOfWarrantsShares</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementOfStockholdersEquityAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StatementOfStockholdersEquityAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockSharesAcquired">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of shares that have been repurchased during the period and are being held in treasury.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TreasuryStockSharesAcquired</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>91
<FILENAME>R3.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EUEAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)<br>In Thousands, except Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementOfFinancialPositionAbstract', window );"><strong>CONSOLIDATED BALANCE SHEETS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Held to maturity securities, fair value</a></td>
        <td class="nump">$ 17,788<span></span></td>
        <td class="nump">$ 14,266<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockNoParValue', window );">Preferred stock, par value</a></td>
        <td class="nump">$ 0.00<span></span></td>
        <td class="nump">$ 0.00<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockLiquidationPreference', window );">Preferred stock, liquidation preference per share</a></td>
        <td class="nump">$ 1,000<span></span></td>
        <td class="nump">$ 1,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized</a></td>
        <td class="nump">2,000,000<span></span></td>
        <td class="nump">2,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesIssued', window );">Preferred stock, shares issued</a></td>
        <td class="nump">21,000<span></span></td>
        <td class="nump">21,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesOutstanding', window );">Preferred stock, shares outstanding</a></td>
        <td class="nump">21,000<span></span></td>
        <td class="nump">21,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value</a></td>
        <td class="nump">$ 0.01<span></span></td>
        <td class="nump">$ 0.01<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized</a></td>
        <td class="nump">30,000,000<span></span></td>
        <td class="nump">30,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued</a></td>
        <td class="nump">26,402,007<span></span></td>
        <td class="nump">26,398,540<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Common stock, shares outstanding</a></td>
        <td class="nump">18,784,188<span></span></td>
        <td class="nump">19,164,721<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockShares', window );">Treasury stock, shares</a></td>
        <td class="nump">7,617,819<span></span></td>
        <td class="nump">7,233,819<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockParOrStatedValuePerShare">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Face amount or stated value per share of common stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockParOrStatedValuePerShare</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesAuthorized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The maximum number of common shares permitted to be issued by an entity's charter and bylaws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockSharesAuthorized</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesIssued">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockSharesIssued</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockSharesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value of investments in debt securities classified as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockLiquidationPreference">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The per share liquidation preference (or restrictions) of nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) that has a preference in involuntary liquidation considerably in excess of the par or stated value of the shares. The liquidation preference is the difference between the preference in liquidation and the par or stated values of the share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21475-112644<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21484-112644<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph d<br><br> -Article 4<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(d)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockLiquidationPreference</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockNoParValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Face amount per share of no-par value preferred stock nonredeemable or redeemable solely at the option of the issuer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockNoParValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesAuthorized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockSharesAuthorized</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesIssued">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockSharesIssued</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate share number for all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by stockholders. Does not include preferred shares that have been repurchased.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockSharesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementOfFinancialPositionAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StatementOfFinancialPositionAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockShares">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of common and preferred shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28,29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TreasuryStockShares</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>92
<FILENAME>R17.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SHORT-TERM BORROWINGS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowingsAbstract', window );"><strong>SHORT-TERM BORROWINGS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtTextBlock', window );">SHORT-TERM BORROWINGS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 9.&nbsp;&nbsp;SHORT-TERM BORROWINGS</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Short-term borrowings, which consist of federal funds purchased and other short-term borrowings are summarized as follows:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FEDERAL FUNDS PURCHASED</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SHORT-TERM BORROWINGS</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS, EXCEPT RATES)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>41,555</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Maximum indebtedness at any month end</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>41,555</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Average balance during year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>959</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>16,482</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Average rate paid for the year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.34%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.26%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest rate on year end balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.25</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FEDERAL FUNDS PURCHASED</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SHORT-TERM BORROWINGS</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS, EXCEPT RATES)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 15,660</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Maximum indebtedness at any month end</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 19,755</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Average balance during year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">117</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,225</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Average rate paid for the year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.34</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.20</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest rate on year end balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.25</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31, 2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FEDERAL FUNDS PURCHASED</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">OTHER SHORT-TERM BORROWINGS</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS, EXCEPT RATES)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 15,765</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Maximum indebtedness at any month end</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 15,765</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Average balance during year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">49</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,167</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Average rate paid for the year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.32</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.51</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest rate on year-end balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.34</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Average amounts outstanding during the year represent daily averages. Average interest rates represent interest expense divided by the related average balances.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> These borrowing transactions can range from overnight to one year in maturity. The average maturity was one day at both the end of 2013 and 2012 and three days at the end of 2011.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermBorrowingsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShortTermBorrowingsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for short-term debt.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 16<br><br> -Article 7<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShortTermDebtTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>93
<FILENAME>R103.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E6KAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Other Changes in Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income (Loss)) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="4">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th" colspan="2">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract', window );"><strong>OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE INCOME (LOSS)</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax', window );">Recognized loss</a></td>
        <td class="nump">$ 669<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans, Defined Benefit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract', window );"><strong>OTHER CHANGES IN PLAN ASSETS AND BENEFIT OBLIGATIONS RECOGNIZED IN OTHER COMPREHENSIVE INCOME (LOSS)</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax', window );">Net (gain) loss</a></td>
        <td class="num">(2,832)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">2,376<span></span></td>
        <td class="nump">3,090<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax', window );">Recognized loss</a></td>
        <td class="num">(1,375)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="num">(1,094)<span></span></td>
        <td class="num">(800)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax', window );">Recognized prior service cost</a></td>
        <td class="nump">19<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">19<span></span></td>
        <td class="num">(7)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax', window );">Recognized net initial asset</a></td>
        <td class="nump">8<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">17<span></span></td>
        <td class="nump">17<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax', window );">Total recognized in other comprehensive loss before tax effect</a></td>
        <td class="num">(4,180)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">1,318<span></span></td>
        <td class="nump">2,300<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax', window );">Total recognized in net benefit cost and other comprehensive loss before tax effect</a></td>
        <td class="num">$ (1,715)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">$ 3,547<span></span></td>
        <td class="nump">$ 4,041<span></span></td>
      </tr>
      <tr>
        <td colspan="5"></td>
      </tr>
      <tr>
        <td colspan="5">
          <table class="outerFootnotes" width="100%">
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[1]</td>
              <td style="vertical-align: top;" valign="top">These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).</td>
            </tr>
          </table>
        </td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount recognized in net periodic benefit cost and other comprehensive income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before tax of reclassification adjustment from accumulated other comprehensive (income) loss for prior service cost (credit) related to pension and other postretirement benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10A<br><br> -Subparagraph (j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669646-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before tax, after reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10A<br><br> -Subparagraph (i-k)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669646-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before tax of (increase) decrease in the value of the projected benefit obligation related to a change in an actuarial assumption and increase (decrease) in the value of the plan assets resulting from experience different from that assumed, that has not been recognized in net periodic benefit (cost) credit.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10A<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669646-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before tax of reclassification adjustment from accumulated other comprehensive income (loss) for actuarial gain (loss) related to pension and other postretirement benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e689-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before tax of reclassification adjustment from accumulated other comprehensive income (loss) for net transition asset (obligation) related to pension and other postretirement benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e689-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetTransitionAssetObligationBeforeTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>94
<FILENAME>R93.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E53AG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INCOME TAXES (Schedule of Reconciliation Between Federal Statutory Tax Rate and Effective Income Tax Rate) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2013</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2012</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2012</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract', window );"><strong>AMOUNT</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate', window );">Income tax expense based on federal statutory rate</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 2,544<span></span></td>
        <td class="nump">$ 2,475<span></span></td>
        <td class="nump">$ 3,193<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationTaxExemptIncome', window );">Tax exempt income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(359)<span></span></td>
        <td class="num">(315)<span></span></td>
        <td class="num">(325)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationOtherReconcilingItems', window );">Other</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">104<span></span></td>
        <td class="nump">81<span></span></td>
        <td class="num">(15)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
        <td class="nump">$ 878<span></span></td>
        <td class="nump">$ 547<span></span></td>
        <td class="nump">$ 434<span></span></td>
        <td class="nump">$ 430<span></span></td>
        <td class="nump">$ 311<span></span></td>
        <td class="nump">$ 597<span></span></td>
        <td class="nump">$ 655<span></span></td>
        <td class="nump">$ 678<span></span></td>
        <td class="nump">$ 2,289<span></span></td>
        <td class="nump">$ 2,241<span></span></td>
        <td class="nump">$ 2,853<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract', window );"><strong>RATE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate', window );">Income tax expense based on federal statutory rate</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">34.00%<span></span></td>
        <td class="nump">34.00%<span></span></td>
        <td class="nump">34.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome', window );">Tax exempt income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(4.80%)<span></span></td>
        <td class="num">(4.30%)<span></span></td>
        <td class="num">(3.50%)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments', window );">Other</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1.40%<span></span></td>
        <td class="nump">1.10%<span></span></td>
        <td class="num">(0.10%)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateContinuingOperations', window );">Total expense for income taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">30.60%<span></span></td>
        <td class="nump">30.80%<span></span></td>
        <td class="nump">30.40%<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateContinuingOperations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(2))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 2<br><br> -Article 4<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EffectiveIncomeTaxRateContinuingOperations</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of domestic federal statutory tax rate applicable to pretax income (loss).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to other adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to income (loss) exempt from income taxes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of income tax expense or benefit for the period computed by applying the domestic federal statutory tax rates to pretax income from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 2<br><br> -Article 4<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationOtherReconcilingItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to tax exempt income, equity in earnings (loss) of an unconsolidated subsidiary, minority noncontrolling interest income (loss), tax holiday, disposition of a business, disposition of an asset, repatriation of foreign earnings, repatriation of foreign earnings jobs creation act of 2004, increase (decrease) in enacted tax rate, prior year income taxes, increase (decrease) in deferred tax asset valuation allowance, and other adjustments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxReconciliationOtherReconcilingItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationTaxExemptIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to income (loss) exempt from income taxes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxReconciliationTaxExemptIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>95
<FILENAME>R91.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EO3AK">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract', window );"><strong>FINANCIAL ASSETS: Carrying Value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
        <td class="nump">$ 30,066<span></span></td>
        <td class="nump">$ 26,820<span></span></td>
        <td class="nump">$ 34,783<span></span></td>
        <td class="nump">$ 19,337<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Investment securities - HTM</a></td>
        <td class="nump">18,187<span></span></td>
        <td class="nump">13,723<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock', window );">Regulatory stock</a></td>
        <td class="nump">6,802<span></span></td>
        <td class="nump">6,304<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleMortgages', window );">Loans held for sale</a></td>
        <td class="nump">3,402<span></span></td>
        <td class="nump">10,576<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Loans, net of allowance for loan loss and unearned income</a></td>
        <td class="nump">773,242<span></span></td>
        <td class="nump">708,594<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccruedInvestmentIncomeReceivable', window );">Accrued income receivable</a></td>
        <td class="nump">2,908<span></span></td>
        <td class="nump">2,960<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsurance', window );">Bank owned life insurance</a></td>
        <td class="nump">36,669<span></span></td>
        <td class="nump">36,214<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Fair value of swap asset</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">164<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
        <td class="nump">30,066<span></span></td>
        <td class="nump">26,820<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">141,978<span></span></td>
        <td class="nump">151,538<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Investment securities - HTM</a></td>
        <td class="nump">17,788<span></span></td>
        <td class="nump">14,266<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RegulatoryAssetsFairValueDisclosure', window );">Regulatory stock</a></td>
        <td class="nump">6,802<span></span></td>
        <td class="nump">6,304<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="nump">3,453<span></span></td>
        <td class="nump">10,722<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans, net of allowance for loan loss and unearned income</a></td>
        <td class="nump">771,460<span></span></td>
        <td class="nump">716,756<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableFairValueDisclosure', window );">Accrued income receivable</a></td>
        <td class="nump">2,908<span></span></td>
        <td class="nump">2,960<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashSurrenderValueFairValueDisclosure', window );">Bank owned life insurance</a></td>
        <td class="nump">36,669<span></span></td>
        <td class="nump">36,214<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditRiskDerivativeAssetsAtFairValue', window );">Fair value of swap asset</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">164<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract', window );"><strong>FINANCIAL LIABILITIES: Carrying Value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithNoStatedMaturities', window );">Deposits with no stated maturities</a></td>
        <td class="nump">546,384<span></span></td>
        <td class="nump">520,002<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithStatedMaturities', window );">Deposits with stated maturities</a></td>
        <td class="nump">308,138<span></span></td>
        <td class="nump">315,732<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesShortTerm', window );">Short-term borrowings</a></td>
        <td class="nump">41,555<span></span></td>
        <td class="nump">15,660<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherBorrowings', window );">All other borrowings</a></td>
        <td class="nump">38,085<span></span></td>
        <td class="nump">26,085<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestPayableCurrentAndNoncurrent', window );">Accrued interest payable</a></td>
        <td class="nump">1,784<span></span></td>
        <td class="nump">2,083<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Fair value of swap liability</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">164<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure', window );">Deposits with no stated maturities</a></td>
        <td class="nump">546,384<span></span></td>
        <td class="nump">520,002<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithStatedMaturitiesFairValueDisclosure', window );">Deposits with stated maturities</a></td>
        <td class="nump">313,272<span></span></td>
        <td class="nump">320,930<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">Short-term borrowings</a></td>
        <td class="nump">41,555<span></span></td>
        <td class="nump">15,660<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure', window );">All other borrowings</a></td>
        <td class="nump">40,598<span></span></td>
        <td class="nump">30,442<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
        <td class="nump">1,784<span></span></td>
        <td class="nump">2,083<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditRiskDerivativeLiabilitiesAtFairValue', window );">Fair value of swap liability</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">164<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract', window );"><strong>FINANCIAL ASSETS: Carrying Value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
        <td class="nump">30,066<span></span></td>
        <td class="nump">26,820<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Investment securities - HTM</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RegulatoryAssetsFairValueDisclosure', window );">Regulatory stock</a></td>
        <td class="nump">6,802<span></span></td>
        <td class="nump">6,304<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="nump">3,453<span></span></td>
        <td class="nump">10,722<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans, net of allowance for loan loss and unearned income</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableFairValueDisclosure', window );">Accrued income receivable</a></td>
        <td class="nump">2,908<span></span></td>
        <td class="nump">2,960<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashSurrenderValueFairValueDisclosure', window );">Bank owned life insurance</a></td>
        <td class="nump">36,669<span></span></td>
        <td class="nump">36,214<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditRiskDerivativeAssetsAtFairValue', window );">Fair value of swap asset</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract', window );"><strong>FINANCIAL LIABILITIES: Carrying Value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure', window );">Deposits with no stated maturities</a></td>
        <td class="nump">546,384<span></span></td>
        <td class="nump">520,002<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithStatedMaturitiesFairValueDisclosure', window );">Deposits with stated maturities</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">Short-term borrowings</a></td>
        <td class="nump">41,555<span></span></td>
        <td class="nump">15,660<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure', window );">All other borrowings</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
        <td class="nump">1,784<span></span></td>
        <td class="nump">2,083<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditRiskDerivativeLiabilitiesAtFairValue', window );">Fair value of swap liability</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Level 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract', window );"><strong>FINANCIAL ASSETS: Carrying Value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">141,978<span></span></td>
        <td class="nump">151,538<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Investment securities - HTM</a></td>
        <td class="nump">14,822<span></span></td>
        <td class="nump">11,321<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RegulatoryAssetsFairValueDisclosure', window );">Regulatory stock</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans, net of allowance for loan loss and unearned income</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableFairValueDisclosure', window );">Accrued income receivable</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashSurrenderValueFairValueDisclosure', window );">Bank owned life insurance</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditRiskDerivativeAssetsAtFairValue', window );">Fair value of swap asset</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">164<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract', window );"><strong>FINANCIAL LIABILITIES: Carrying Value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure', window );">Deposits with no stated maturities</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithStatedMaturitiesFairValueDisclosure', window );">Deposits with stated maturities</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">Short-term borrowings</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure', window );">All other borrowings</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditRiskDerivativeLiabilitiesAtFairValue', window );">Fair value of swap liability</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">164<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Level 3 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract', window );"><strong>FINANCIAL ASSETS: Carrying Value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Investment securities - HTM</a></td>
        <td class="nump">2,966<span></span></td>
        <td class="nump">2,945<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RegulatoryAssetsFairValueDisclosure', window );">Regulatory stock</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans, net of allowance for loan loss and unearned income</a></td>
        <td class="nump">771,460<span></span></td>
        <td class="nump">716,756<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableFairValueDisclosure', window );">Accrued income receivable</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashSurrenderValueFairValueDisclosure', window );">Bank owned life insurance</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditRiskDerivativeAssetsAtFairValue', window );">Fair value of swap asset</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract', window );"><strong>FINANCIAL LIABILITIES: Carrying Value</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure', window );">Deposits with no stated maturities</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DepositsWithStatedMaturitiesFairValueDisclosure', window );">Deposits with stated maturities</a></td>
        <td class="nump">313,272<span></span></td>
        <td class="nump">320,930<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure', window );">Short-term borrowings</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure', window );">All other borrowings</a></td>
        <td class="nump">40,598<span></span></td>
        <td class="nump">30,442<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditRiskDerivativeLiabilitiesAtFairValue', window );">Fair value of swap liability</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Debt and capital lease obligations fair value disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_DebtAndCapitalLeaseObligationsFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DepositsWithNoStatedMaturities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others that do not have stated maturities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_DepositsWithNoStatedMaturities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Deposits with no stated maturities fair value disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_DepositsWithNoStatedMaturitiesFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DepositsWithStatedMaturities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others having stated maturities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_DepositsWithStatedMaturities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DepositsWithStatedMaturitiesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Deposits with stated maturities fair value disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_DepositsWithStatedMaturitiesFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_FinancialInstrumentsFinancialAssetsCarryingValueAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_FinancialInstrumentsFinancialLiabilitiesCarryingValueAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_RegulatoryAssetsFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Regulatory assets fair value disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_RegulatoryAssetsFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of trade and related party payables and accrued expenses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsPayableAndAccruedLiabilitiesFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsReceivableFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of amount due from customers or clients for goods or services, including trade receivables, that have been delivered or sold in the normal course of business, and amounts due from others, including related parties.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13487-108611<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 3<br><br> -Subparagraph a, b<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsReceivableFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccruedInvestmentIncomeReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest, dividends, rents, ancillary and other revenues earned but not yet received by the entity on its investments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 4<br><br> -Article 7<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccruedInvestmentIncomeReceivable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsurance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The carrying amount of a life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.10)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 10<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BankOwnedLifeInsurance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358313&amp;loc=d3e6676-107765<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3044-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsAtCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashSurrenderValueFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of the amount that could be realized under a life insurance contract or contracts owned by the entity, commonly known as corporate-owned life insurance (COLI) or bank-owned life insurance (BOLI).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Surrender Value<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507153<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashSurrenderValueFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CreditRiskDerivativeAssetsAtFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value of credit risk derivative asset.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13433-108611<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4K<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5708775-113959<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CreditRiskDerivativeAssetsAtFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CreditRiskDerivativeLiabilitiesAtFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value of credit risk derivative liability.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13433-108611<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4K<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5708775-113959<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CreditRiskDerivativeLiabilitiesAtFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13433-108611<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41228-113958<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13495-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20225523&amp;loc=SL20225862-175312<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41271-113958<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28370219&amp;loc=SL20226008-175313<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13433-108611<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41228-113958<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13495-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20225523&amp;loc=SL20225862-175312<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41271-113958<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28370219&amp;loc=SL20226008-175313<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesShortTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Federal Home Loan Bank borrowings due within one year of the latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64711-112823<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesShortTerm</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of borrowing from Federal Home Loan Bank (FHLBank).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(3)(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of Federal Home Loan Bank (FHLB) and Federal Reserve Bank stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after other than temporary impairment (OTTI) accretion, of investments in debt securities classified as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value of investments in debt securities classified as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestPayableCurrentAndNoncurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest payable on debt, including, but not limited to, trade payables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.15(5))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.15(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 15<br><br> -Subparagraph a<br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 15<br><br> -Subparagraph 5<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestPayableCurrentAndNoncurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansHeldForSaleFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansHeldForSaleFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansHeldForSaleMortgages">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of mortgage loans held for sale. Excludes loans and leases covered under loss sharing agreements and loans classified as debt securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28367877&amp;loc=d3e4428-111522<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(a)(3))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 310<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6490309&amp;loc=d3e48678-111004<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Permanent Investor<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6520390<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansHeldForSaleMortgages</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of loan receivable, including, but not limited to, mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Glossary Loan<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6517073<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansReceivableFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The carrying amount as of the balance sheet date for the aggregate of other miscellaneous borrowings owed by the reporting entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13,16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13, 16<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherBorrowings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>96
<FILENAME>R122.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ER2DI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PARENT COMPANY FINANCIAL INFORMATION (Statements of Operations) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2013</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2012</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2012</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenuesAbstract', window );"><strong>INCOME</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest and dividend income</a></td>
        <td class="nump">$ 10,203<span></span></td>
        <td class="nump">$ 9,811<span></span></td>
        <td class="nump">$ 9,627<span></span></td>
        <td class="nump">$ 9,702<span></span></td>
        <td class="nump">$ 9,878<span></span></td>
        <td class="nump">$ 10,030<span></span></td>
        <td class="nump">$ 9,885<span></span></td>
        <td class="nump">$ 10,124<span></span></td>
        <td class="nump">$ 39,343<span></span></td>
        <td class="nump">$ 39,917<span></span></td>
        <td class="nump">$ 41,964<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostsAndExpensesAbstract', window );"><strong>EXPENSE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
        <td class="nump">1,605<span></span></td>
        <td class="nump">1,611<span></span></td>
        <td class="nump">1,606<span></span></td>
        <td class="nump">1,660<span></span></td>
        <td class="nump">1,796<span></span></td>
        <td class="nump">1,888<span></span></td>
        <td class="nump">1,964<span></span></td>
        <td class="nump">2,066<span></span></td>
        <td class="nump">6,482<span></span></td>
        <td class="nump">7,714<span></span></td>
        <td class="nump">9,681<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Salaries and employee benefits</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">25,115<span></span></td>
        <td class="nump">24,424<span></span></td>
        <td class="nump">22,616<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">5,105<span></span></td>
        <td class="nump">5,073<span></span></td>
        <td class="nump">5,124<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="nump">2,719<span></span></td>
        <td class="nump">1,773<span></span></td>
        <td class="nump">1,504<span></span></td>
        <td class="nump">1,486<span></span></td>
        <td class="nump">1,046<span></span></td>
        <td class="nump">1,904<span></span></td>
        <td class="nump">2,087<span></span></td>
        <td class="nump">2,243<span></span></td>
        <td class="nump">7,482<span></span></td>
        <td class="nump">7,280<span></span></td>
        <td class="nump">9,390<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Benefit for income taxes</a></td>
        <td class="num">(878)<span></span></td>
        <td class="num">(547)<span></span></td>
        <td class="num">(434)<span></span></td>
        <td class="num">(430)<span></span></td>
        <td class="num">(311)<span></span></td>
        <td class="num">(597)<span></span></td>
        <td class="num">(655)<span></span></td>
        <td class="num">(678)<span></span></td>
        <td class="num">(2,289)<span></span></td>
        <td class="num">(2,241)<span></span></td>
        <td class="num">(2,853)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="nump">1,841<span></span></td>
        <td class="nump">1,226<span></span></td>
        <td class="nump">1,070<span></span></td>
        <td class="nump">1,056<span></span></td>
        <td class="nump">735<span></span></td>
        <td class="nump">1,307<span></span></td>
        <td class="nump">1,432<span></span></td>
        <td class="nump">1,565<span></span></td>
        <td class="nump">5,193<span></span></td>
        <td class="nump">5,039<span></span></td>
        <td class="nump">6,537<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Comprehensive income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,697<span></span></td>
        <td class="nump">3,320<span></span></td>
        <td class="nump">7,739<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Parent Company [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenuesAbstract', window );"><strong>INCOME</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenueFromRelatedParties', window );">Inter-entity management and other fees</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,355<span></span></td>
        <td class="nump">2,355<span></span></td>
        <td class="nump">2,329<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest and dividend income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">243<span></span></td>
        <td class="nump">306<span></span></td>
        <td class="nump">415<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Revenues', window );">TOTAL INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">8,773<span></span></td>
        <td class="nump">11,371<span></span></td>
        <td class="nump">5,864<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostsAndExpensesAbstract', window );"><strong>EXPENSE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,121<span></span></td>
        <td class="nump">1,121<span></span></td>
        <td class="nump">1,121<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Salaries and employee benefits</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,502<span></span></td>
        <td class="nump">2,368<span></span></td>
        <td class="nump">2,394<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,608<span></span></td>
        <td class="nump">1,582<span></span></td>
        <td class="nump">1,477<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostsAndExpenses', window );">TOTAL EXPENSE</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">5,231<span></span></td>
        <td class="nump">5,071<span></span></td>
        <td class="nump">4,992<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,542<span></span></td>
        <td class="nump">6,300<span></span></td>
        <td class="nump">872<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Benefit for income taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">895<span></span></td>
        <td class="nump">819<span></span></td>
        <td class="nump">764<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromSubsidiariesNetOfTax', window );">Equity in undistributed earnings of subsidiaries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">756<span></span></td>
        <td class="num">(2,080)<span></span></td>
        <td class="nump">4,901<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">5,193<span></span></td>
        <td class="nump">5,039<span></span></td>
        <td class="nump">6,537<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Comprehensive income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,697<span></span></td>
        <td class="nump">3,320<span></span></td>
        <td class="nump">7,739<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Parent Company [Member] | Banking Subsidiary [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenuesAbstract', window );"><strong>INCOME</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendIncomeOperating', window );">Dividends from subsidiaries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">5,500<span></span></td>
        <td class="nump">8,000<span></span></td>
        <td class="nump">2,500<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Parent Company [Member] | Non Banking Subsidiaries [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenuesAbstract', window );"><strong>INCOME</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendIncomeOperating', window );">Dividends from subsidiaries</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 675<span></span></td>
        <td class="nump">$ 710<span></span></td>
        <td class="nump">$ 620<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=16317811<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e557-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComprehensiveIncomeNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CostsAndExpenses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total costs of sales and operating expenses for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CostsAndExpenses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CostsAndExpensesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CostsAndExpensesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendIncomeOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of operating dividend income on securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 2<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendIncomeOperating</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromSubsidiariesNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of income (loss) of subsidiary attributable to the parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromSubsidiariesNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1-5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 1, 2 , 3, 4, 5<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndDividendIncomeOperating</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of the cost of borrowed funds accounted for as interest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.9)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 9<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LaborAndRelatedExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of expenditures for salaries, wages, profit sharing and incentive compensation, and other employee benefits, including equity-based compensation, and pension and other postretirement benefit expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LaborAndRelatedExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e565-108580<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherNoninterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Other noninterest expenses that are not separately presented in any other noninterest expense category.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherNoninterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RevenueFromRelatedParties">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of revenue, fees and commissions earned from transactions between (a) a parent company and its subsidiaries; (b) subsidiaries of a common parent; (c) an entity and trusts for the benefit of employees, for example, but not limited to, pension and profit-sharing trusts that are managed by or under the trusteeship of the entity's management; (d) an entity and its principal, owners, management, or members of their immediate families; and (e) affiliates.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.1(e))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Related Parties<br><br> -URI http://asc.fasb.org/extlink&amp;oid=16382449<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 946<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.6-07.1(c))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6488393&amp;loc=d3e606610-122999<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 07<br><br> -Paragraph b<br><br> -Subparagraph 1<br><br> -Article 6<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RevenueFromRelatedParties</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Revenues">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Revenues</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RevenuesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RevenuesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>97
<FILENAME>R119.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EBXDK">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SEGMENT RESULTS (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2013</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2012</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2012</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="nump">$ 8,598<span></span></td>
        <td class="nump">$ 8,200<span></span></td>
        <td class="nump">$ 8,021<span></span></td>
        <td class="nump">$ 8,042<span></span></td>
        <td class="nump">$ 8,082<span></span></td>
        <td class="nump">$ 8,142<span></span></td>
        <td class="nump">$ 7,921<span></span></td>
        <td class="nump">$ 8,058<span></span></td>
        <td class="nump">$ 32,861<span></span></td>
        <td class="nump">$ 32,203<span></span></td>
        <td class="nump">$ 32,283<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="num">(1,000)<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">150<span></span></td>
        <td class="num">(250)<span></span></td>
        <td class="nump">550<span></span></td>
        <td class="num">(200)<span></span></td>
        <td class="num">(500)<span></span></td>
        <td class="num">(625)<span></span></td>
        <td class="num">(1,100)<span></span></td>
        <td class="num">(775)<span></span></td>
        <td class="num">(3,575)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="nump">3,867<span></span></td>
        <td class="nump">3,986<span></span></td>
        <td class="nump">4,075<span></span></td>
        <td class="nump">3,816<span></span></td>
        <td class="nump">3,887<span></span></td>
        <td class="nump">3,649<span></span></td>
        <td class="nump">3,733<span></span></td>
        <td class="nump">3,674<span></span></td>
        <td class="nump">15,744<span></span></td>
        <td class="nump">14,943<span></span></td>
        <td class="nump">13,569<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="nump">10,746<span></span></td>
        <td class="nump">10,413<span></span></td>
        <td class="nump">10,442<span></span></td>
        <td class="nump">10,622<span></span></td>
        <td class="nump">10,373<span></span></td>
        <td class="nump">10,087<span></span></td>
        <td class="nump">10,067<span></span></td>
        <td class="nump">10,114<span></span></td>
        <td class="nump">42,223<span></span></td>
        <td class="nump">40,641<span></span></td>
        <td class="nump">40,037<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="nump">2,719<span></span></td>
        <td class="nump">1,773<span></span></td>
        <td class="nump">1,504<span></span></td>
        <td class="nump">1,486<span></span></td>
        <td class="nump">1,046<span></span></td>
        <td class="nump">1,904<span></span></td>
        <td class="nump">2,087<span></span></td>
        <td class="nump">2,243<span></span></td>
        <td class="nump">7,482<span></span></td>
        <td class="nump">7,280<span></span></td>
        <td class="nump">9,390<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes (benefit)</a></td>
        <td class="nump">878<span></span></td>
        <td class="nump">547<span></span></td>
        <td class="nump">434<span></span></td>
        <td class="nump">430<span></span></td>
        <td class="nump">311<span></span></td>
        <td class="nump">597<span></span></td>
        <td class="nump">655<span></span></td>
        <td class="nump">678<span></span></td>
        <td class="nump">2,289<span></span></td>
        <td class="nump">2,241<span></span></td>
        <td class="nump">2,853<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="nump">1,841<span></span></td>
        <td class="nump">1,226<span></span></td>
        <td class="nump">1,070<span></span></td>
        <td class="nump">1,056<span></span></td>
        <td class="nump">735<span></span></td>
        <td class="nump">1,307<span></span></td>
        <td class="nump">1,432<span></span></td>
        <td class="nump">1,565<span></span></td>
        <td class="nump">5,193<span></span></td>
        <td class="nump">5,039<span></span></td>
        <td class="nump">6,537<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump">1,056,036<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,000,991<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,056,036<span></span></td>
        <td class="nump">1,000,991<span></span></td>
        <td class="nump">979,076<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Retail Banking [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">20,223<span></span></td>
        <td class="nump">20,585<span></span></td>
        <td class="nump">20,100<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(92)<span></span></td>
        <td class="num">(160)<span></span></td>
        <td class="num">(263)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">6,512<span></span></td>
        <td class="nump">6,565<span></span></td>
        <td class="nump">6,055<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">22,870<span></span></td>
        <td class="nump">22,802<span></span></td>
        <td class="nump">23,470<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,957<span></span></td>
        <td class="nump">4,508<span></span></td>
        <td class="nump">2,948<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes (benefit)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,165<span></span></td>
        <td class="nump">1,358<span></span></td>
        <td class="nump">880<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,792<span></span></td>
        <td class="nump">3,150<span></span></td>
        <td class="nump">2,068<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump">347,823<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">336,241<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">347,823<span></span></td>
        <td class="nump">336,241<span></span></td>
        <td class="nump">337,869<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Banking [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">15,687<span></span></td>
        <td class="nump">14,499<span></span></td>
        <td class="nump">13,860<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,008)<span></span></td>
        <td class="num">(615)<span></span></td>
        <td class="num">(3,312)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">642<span></span></td>
        <td class="nump">585<span></span></td>
        <td class="nump">597<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">10,148<span></span></td>
        <td class="nump">8,970<span></span></td>
        <td class="nump">7,833<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">7,189<span></span></td>
        <td class="nump">6,729<span></span></td>
        <td class="nump">9,936<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes (benefit)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,166<span></span></td>
        <td class="nump">2,044<span></span></td>
        <td class="nump">2,995<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">5,023<span></span></td>
        <td class="nump">4,685<span></span></td>
        <td class="nump">6,941<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump">545,556<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">497,331<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">545,556<span></span></td>
        <td class="nump">497,331<span></span></td>
        <td class="nump">442,087<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Trust [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">35<span></span></td>
        <td class="nump">35<span></span></td>
        <td class="nump">41<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">8,391<span></span></td>
        <td class="nump">7,784<span></span></td>
        <td class="nump">7,282<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">6,605<span></span></td>
        <td class="nump">6,387<span></span></td>
        <td class="nump">6,118<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,821<span></span></td>
        <td class="nump">1,432<span></span></td>
        <td class="nump">1,205<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes (benefit)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">619<span></span></td>
        <td class="nump">487<span></span></td>
        <td class="nump">410<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,202<span></span></td>
        <td class="nump">945<span></span></td>
        <td class="nump">795<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump">4,722<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,429<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,722<span></span></td>
        <td class="nump">4,429<span></span></td>
        <td class="nump">3,917<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Investment/ Parent [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(3,084)<span></span></td>
        <td class="num">(2,916)<span></span></td>
        <td class="num">(1,718)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">199<span></span></td>
        <td class="nump">9<span></span></td>
        <td class="num">(365)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,600<span></span></td>
        <td class="nump">2,482<span></span></td>
        <td class="nump">2,616<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(5,485)<span></span></td>
        <td class="num">(5,389)<span></span></td>
        <td class="num">(4,699)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes (benefit)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,661)<span></span></td>
        <td class="num">(1,648)<span></span></td>
        <td class="num">(1,432)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(3,824)<span></span></td>
        <td class="num">(3,741)<span></span></td>
        <td class="num">(3,267)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump">$ 157,935<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 162,990<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 157,935<span></span></td>
        <td class="nump">$ 162,990<span></span></td>
        <td class="nump">$ 195,203<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 18<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Assets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net amount of operating interest income (expense).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.10)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 10<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeExpenseNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e565-108580<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total aggregate amount of all noninterest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 14<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 11<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForLoanLeaseAndOtherLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SegmentReportingInformationLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SegmentReportingInformationLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>98
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EVRAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Document and Entity Information (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2014</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DocumentAndEntityInformationAbstract', window );"><strong>Document and Entity Information [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
        <td class="text">10-K<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
        <td class="text">false<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
        <td class="text">Dec. 31,
				 2013<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFilerCategory', window );">Entity Filer Category</a></td>
        <td class="text">Smaller Reporting Company<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
        <td class="text">AMERISERV FINANCIAL INC /PA/<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
        <td class="text">0000707605<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
        <td class="text">--12-31<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentFiscalPeriodFocus', window );">Document Fiscal Period Focus</a></td>
        <td class="text">FY<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentFiscalYearFocus', window );">Document Fiscal Year Focus</a></td>
        <td class="text">2013<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCommonStockSharesOutstanding', window );">Entity Common Stock, Shares Outstanding</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">18,784,188<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityPublicFloat', window );">Entity Public Float</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 51,468,675<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityWellKnownSeasonedIssuer', window );">Entity Well-known Seasoned Issuer</a></td>
        <td class="text">No<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityVoluntaryFilers', window );">Entity Voluntary Filers</a></td>
        <td class="text">No<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCurrentReportingStatus', window );">Entity Current Reporting Status</a></td>
        <td class="text">Yes<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DocumentAndEntityInformationAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_DocumentAndEntityInformationAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>If the value is true, then the document is an amendment to previously-filed/accepted document.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_AmendmentFlag</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:booleanItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>End date of current fiscal year in the format --MM-DD.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_CurrentFiscalYearEndDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:gMonthDayItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalPeriodFocus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This is focus fiscal period of the document report. For a first quarter 2006 quarterly report, which may also provide financial information from prior periods, the first fiscal quarter should be given as the fiscal period focus. Values: FY, Q1, Q2, Q3, Q4, H1, H2, M9, T1, T2, T3, M8, CY.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_DocumentFiscalPeriodFocus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:fiscalPeriodItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalYearFocus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This is focus fiscal year of the document report in CCYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_DocumentFiscalYearFocus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:gYearItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_DocumentPeriodEndDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:dateItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word "Other".</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_DocumentType</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:submissionTypeItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation 12B<br><br> -Number 240<br><br> -Section 12b<br><br> -Subsection 1<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityCentralIndexKey</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:centralIndexKeyItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCommonStockSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityCommonStockSharesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCurrentReportingStatus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityCurrentReportingStatus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:yesNoItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFilerCategory">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate whether the registrant is one of the following: (1) Large Accelerated Filer, (2) Accelerated Filer, (3) Non-accelerated Filer, (4) Smaller Reporting Company (Non-accelerated) or (5) Smaller Reporting Accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityFilerCategory</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:filerCategoryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityPublicFloat">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>State aggregate market value of voting and non-voting common equity held by non-affiliates computed by reference to price at which the common equity was last sold, or average bid and asked price of such common equity, as of the last business day of registrant's most recently completed second fiscal quarter. The public float should be reported on the cover page of the registrants form 10K.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityPublicFloat</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation 12B<br><br> -Number 240<br><br> -Section 12b<br><br> -Subsection 1<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityRegistrantName</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:normalizedStringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityVoluntaryFilers">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityVoluntaryFilers</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:yesNoItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityWellKnownSeasonedIssuer">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityWellKnownSeasonedIssuer</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:yesNoItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>99
<FILENAME>R125.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EV3BG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Details) (USD $)<br>In Thousands, except Per Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2013</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2012</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2012</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_QuarterlyFinancialInformationDisclosureAbstract', window );"><strong>SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
        <td class="nump">$ 10,203<span></span></td>
        <td class="nump">$ 9,811<span></span></td>
        <td class="nump">$ 9,627<span></span></td>
        <td class="nump">$ 9,702<span></span></td>
        <td class="nump">$ 9,878<span></span></td>
        <td class="nump">$ 10,030<span></span></td>
        <td class="nump">$ 9,885<span></span></td>
        <td class="nump">$ 10,124<span></span></td>
        <td class="nump">$ 39,343<span></span></td>
        <td class="nump">$ 39,917<span></span></td>
        <td class="nump">$ 41,964<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
        <td class="nump">1,605<span></span></td>
        <td class="nump">1,611<span></span></td>
        <td class="nump">1,606<span></span></td>
        <td class="nump">1,660<span></span></td>
        <td class="nump">1,796<span></span></td>
        <td class="nump">1,888<span></span></td>
        <td class="nump">1,964<span></span></td>
        <td class="nump">2,066<span></span></td>
        <td class="nump">6,482<span></span></td>
        <td class="nump">7,714<span></span></td>
        <td class="nump">9,681<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net Interest Income</a></td>
        <td class="nump">8,598<span></span></td>
        <td class="nump">8,200<span></span></td>
        <td class="nump">8,021<span></span></td>
        <td class="nump">8,042<span></span></td>
        <td class="nump">8,082<span></span></td>
        <td class="nump">8,142<span></span></td>
        <td class="nump">7,921<span></span></td>
        <td class="nump">8,058<span></span></td>
        <td class="nump">32,861<span></span></td>
        <td class="nump">32,203<span></span></td>
        <td class="nump">32,283<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="num">(1,000)<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">150<span></span></td>
        <td class="num">(250)<span></span></td>
        <td class="nump">550<span></span></td>
        <td class="num">(200)<span></span></td>
        <td class="num">(500)<span></span></td>
        <td class="num">(625)<span></span></td>
        <td class="num">(1,100)<span></span></td>
        <td class="num">(775)<span></span></td>
        <td class="num">(3,575)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net Interest Income after credit provision for Loan Losses</a></td>
        <td class="nump">9,598<span></span></td>
        <td class="nump">8,200<span></span></td>
        <td class="nump">7,871<span></span></td>
        <td class="nump">8,292<span></span></td>
        <td class="nump">7,532<span></span></td>
        <td class="nump">8,342<span></span></td>
        <td class="nump">8,421<span></span></td>
        <td class="nump">8,683<span></span></td>
        <td class="nump">33,961<span></span></td>
        <td class="nump">32,978<span></span></td>
        <td class="nump">35,858<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="nump">3,867<span></span></td>
        <td class="nump">3,986<span></span></td>
        <td class="nump">4,075<span></span></td>
        <td class="nump">3,816<span></span></td>
        <td class="nump">3,887<span></span></td>
        <td class="nump">3,649<span></span></td>
        <td class="nump">3,733<span></span></td>
        <td class="nump">3,674<span></span></td>
        <td class="nump">15,744<span></span></td>
        <td class="nump">14,943<span></span></td>
        <td class="nump">13,569<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="nump">10,746<span></span></td>
        <td class="nump">10,413<span></span></td>
        <td class="nump">10,442<span></span></td>
        <td class="nump">10,622<span></span></td>
        <td class="nump">10,373<span></span></td>
        <td class="nump">10,087<span></span></td>
        <td class="nump">10,067<span></span></td>
        <td class="nump">10,114<span></span></td>
        <td class="nump">42,223<span></span></td>
        <td class="nump">40,641<span></span></td>
        <td class="nump">40,037<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="nump">2,719<span></span></td>
        <td class="nump">1,773<span></span></td>
        <td class="nump">1,504<span></span></td>
        <td class="nump">1,486<span></span></td>
        <td class="nump">1,046<span></span></td>
        <td class="nump">1,904<span></span></td>
        <td class="nump">2,087<span></span></td>
        <td class="nump">2,243<span></span></td>
        <td class="nump">7,482<span></span></td>
        <td class="nump">7,280<span></span></td>
        <td class="nump">9,390<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes</a></td>
        <td class="nump">878<span></span></td>
        <td class="nump">547<span></span></td>
        <td class="nump">434<span></span></td>
        <td class="nump">430<span></span></td>
        <td class="nump">311<span></span></td>
        <td class="nump">597<span></span></td>
        <td class="nump">655<span></span></td>
        <td class="nump">678<span></span></td>
        <td class="nump">2,289<span></span></td>
        <td class="nump">2,241<span></span></td>
        <td class="nump">2,853<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="nump">$ 1,841<span></span></td>
        <td class="nump">$ 1,226<span></span></td>
        <td class="nump">$ 1,070<span></span></td>
        <td class="nump">$ 1,056<span></span></td>
        <td class="nump">$ 735<span></span></td>
        <td class="nump">$ 1,307<span></span></td>
        <td class="nump">$ 1,432<span></span></td>
        <td class="nump">$ 1,565<span></span></td>
        <td class="nump">$ 5,193<span></span></td>
        <td class="nump">$ 5,039<span></span></td>
        <td class="nump">$ 6,537<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic</a></td>
        <td class="nump">$ 0.10<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.04<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.26<span></span></td>
        <td class="nump">$ 0.21<span></span></td>
        <td class="nump">$ 0.24<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted</a></td>
        <td class="nump">$ 0.09<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.04<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.26<span></span></td>
        <td class="nump">$ 0.21<span></span></td>
        <td class="nump">$ 0.24<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareDeclared', window );">Cash dividends declared</a></td>
        <td class="nump">$ 0.01<span></span></td>
        <td class="nump">$ 0.01<span></span></td>
        <td class="nump">$ 0.01<span></span></td>
        <td class="nump">$ 0.00<span></span></td>
        <td class="nump">$ 0.00<span></span></td>
        <td class="nump">$ 0.00<span></span></td>
        <td class="nump">$ 0.00<span></span></td>
        <td class="nump">$ 0.00<span></span></td>
        <td class="nump">$ 0.03<span></span></td>
        <td class="nump">$ 0.00<span></span></td>
        <td class="nump">$ 0.00<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockDividendsPerShareDeclared">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate dividends declared during the period for each share of common stock outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockDividendsPerShareDeclared</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 52<br><br> -URI http://asc.fasb.org/extlink&amp;oid=32703322&amp;loc=d3e4984-109258<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.23)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 18<br><br> -Article 7<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 20<br><br> -Article 5<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 18<br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 20<br><br> -Article 5<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareDiluted</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1-5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 1, 2 , 3, 4, 5<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndDividendIncomeOperating</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of the cost of borrowed funds accounted for as interest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.9)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 9<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net amount of operating interest income (expense).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.10)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 10<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeExpenseNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e565-108580<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total aggregate amount of all noninterest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 14<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 11<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForLoanLeaseAndOtherLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_QuarterlyFinancialInformationDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_QuarterlyFinancialInformationDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>100
<FILENAME>R18.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtAbstract', window );"><strong>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtTextBlock', window );">ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 10.&nbsp;&nbsp;ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR<br /> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SUBORDINATED DEFERRABLE INTEREST DEBENTURES</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Borrowings and advances from the FHLB consist of the following:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> MATURING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">WEIGHTED AVERAGE YIELD</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">BALANCE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Overnight</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.25%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>41,555</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2015</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.52</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4,000</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2016</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.81</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>12,000</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2017</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.07</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>7,000</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2018</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>1.47</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>2,000</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total advances</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>0.89</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>25,000</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total FHLB borrowings</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> <strong>0.49%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>66,555</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> MATURING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">WEIGHTED AVERAGE YIELD</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">BALANCE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Overnight</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.25</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 15,660</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2015</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.52</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,000</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2016</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.74</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,000</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2017</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> 0.92</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 4,000</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total advances</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> 0.73</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 13,000</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total FHLB borrowings</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> 0.47</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 28,660</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company&#39;s subsidiary Bank is a member of the FHLB which provides this subsidiary with the opportunity to obtain short to longer-term advances based upon the Company&#39;s investment in assets secured by one- to four-family residential real estate and certain types of commercial real estate. The rate on open repo plus advances, which are typically overnight borrowings, can change daily, while the rate on the advances is fixed until the maturity of the advance. All FHLB stock along with an interest in certain residential mortgage and commercial real-estate loans with an aggregate statutory value equal to the amount of the advances, are pledged as collateral to the FHLB of Pittsburgh to support these borrowings. At December 31, 2013, the Company had immediately available $318 million of overnight borrowing capability at the FHLB and $81 million of unsecured federal funds lines with correspondent banks.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Guaranteed Junior Subordinated Deferrable Interest Debentures:</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> On April 28, 1998, the Company completed a $34.5 million public offering of 8.45% Trust Preferred Securities, which represent undivided beneficial interests in the assets of a Delaware business trust, AmeriServ Financial Capital Trust I. The Trust Preferred Securities will mature on June 30, 2028, and are callable at par at the option of the Company after June 30, 2003. Proceeds of the issue were invested by AmeriServ Financial Capital Trust I in Junior Subordinated Debentures issued by AmeriServ Financial, Inc. Unamortized deferred issuance costs associated with the Trust Preferred Securities amounted to $224,000 as of December 31, 2013 and are included in other assets on the Consolidated Balance Sheets, and are being amortized on a straight-line basis over the term of the issue. The Trust Preferred securities are listed on NASDAQ under the symbol ASRVP. The Company used $22.5 million of proceeds from a private placement of common stock to redeem Trust Preferred Securities in 2005 and 2004. The balance as of December 31, 2013 and 2012 was $13.1 million.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebtAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LongTermDebtAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebtTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for long-term debt.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LongTermDebtTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>101
<FILENAME>R80.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E6DAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PREMISES AND EQUIPMENT (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
        <td class="nump">$ 36,675<span></span></td>
        <td class="nump">$ 33,900<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment', window );">Less: Accumulated depreciation and amortization</a></td>
        <td class="nump">23,556<span></span></td>
        <td class="nump">22,102<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Net book value</a></td>
        <td class="nump">13,119<span></span></td>
        <td class="nump">11,798<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Depreciation', window );">Depreciation expense</a></td>
        <td class="nump">1,700<span></span></td>
        <td class="nump">1,500<span></span></td>
        <td class="nump">1,500<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Land [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
        <td class="nump">1,208<span></span></td>
        <td class="nump">1,208<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Premises [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
        <td class="nump">25,752<span></span></td>
        <td class="nump">24,430<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Furniture and Equipment [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
        <td class="nump">8,912<span></span></td>
        <td class="nump">7,572<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Leasehold Improvements [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Cost</a></td>
        <td class="nump">$ 803<span></span></td>
        <td class="nump">$ 690<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of accumulated depreciation, depletion and amortization for physical assets used in the normal conduct of business to produce goods and services.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 14<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Depreciation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Depreciation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentGross">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PropertyPlantAndEquipmentGross</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PropertyPlantAndEquipmentLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 13<br><br> -Subparagraph a<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 8<br><br> -Article 7<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PropertyPlantAndEquipmentNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>102
<FILENAME>R90.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EANAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Narrative) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">$ 3,066<span></span></td>
        <td class="nump">$ 4,806<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Specific valuation allowance</a></td>
        <td class="nump">813<span></span></td>
        <td class="nump">1,600<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReceivablesFairValueDisclosure', window );">Net fair value of impaired loans</a></td>
        <td class="nump">2,300<span></span></td>
        <td class="nump">3,200<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements Nonrecurring [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">$ 2,253<span></span></td>
        <td class="nump">$ 3,220<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 14A<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953550-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableRecordedInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of allowance for credit losses related to recorded investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableRelatedAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReceivablesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value portion of receivables, including, but not limited to, trade account receivables, note receivables, and loan receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3, 4<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ReceivablesFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>103
<FILENAME>R4.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ENWAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)<br>In Thousands, except Per Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndFeeIncomeLoansAndLeasesAbstract', window );"><strong>Interest and fees on loans:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_InterestAndFeeIncomeLoansAndLeasesTaxable', window );">Taxable</a></td>
        <td class="nump">$ 35,063<span></span></td>
        <td class="nump">$ 34,752<span></span></td>
        <td class="nump">$ 35,630<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt', window );">Tax exempt</a></td>
        <td class="nump">57<span></span></td>
        <td class="nump">63<span></span></td>
        <td class="nump">69<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeDepositsWithFinancialInstitutions', window );">Interest bearing deposits</a></td>
        <td class="nump">6<span></span></td>
        <td class="nump">10<span></span></td>
        <td class="nump">9<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeMoneyMarketDeposits', window );">Short-term investments in money market funds</a></td>
        <td class="nump">8<span></span></td>
        <td class="nump">18<span></span></td>
        <td class="nump">9<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeFederalFundsSold', window );">Federal funds sold</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">7<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeSecuritiesByClassificationAbstract', window );"><strong>Investment securities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale', window );">Available for sale</a></td>
        <td class="nump">3,701<span></span></td>
        <td class="nump">4,634<span></span></td>
        <td class="nump">5,837<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity', window );">Held to maturity</a></td>
        <td class="nump">508<span></span></td>
        <td class="nump">440<span></span></td>
        <td class="nump">403<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Total Interest Income</a></td>
        <td class="nump">39,343<span></span></td>
        <td class="nump">39,917<span></span></td>
        <td class="nump">41,964<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseAbstract', window );"><strong>INTEREST EXPENSE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDeposits', window );">Deposits</a></td>
        <td class="nump">5,164<span></span></td>
        <td class="nump">6,502<span></span></td>
        <td class="nump">8,335<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm', window );">Short-term borrowings</a></td>
        <td class="nump">46<span></span></td>
        <td class="nump">11<span></span></td>
        <td class="nump">6<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm', window );">Advances from Federal Home Loan Bank</a></td>
        <td class="nump">152<span></span></td>
        <td class="nump">81<span></span></td>
        <td class="nump">220<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseJuniorSubordinatedDebentures', window );">Guaranteed junior subordinated deferrable interest debentures</a></td>
        <td class="nump">1,120<span></span></td>
        <td class="nump">1,120<span></span></td>
        <td class="nump">1,120<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Total Interest Expense</a></td>
        <td class="nump">6,482<span></span></td>
        <td class="nump">7,714<span></span></td>
        <td class="nump">9,681<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net Interest Income</a></td>
        <td class="nump">32,861<span></span></td>
        <td class="nump">32,203<span></span></td>
        <td class="nump">32,283<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Credit provision for loan losses</a></td>
        <td class="num">(1,100)<span></span></td>
        <td class="num">(775)<span></span></td>
        <td class="num">(3,575)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net Interest Income after credit provision for Loan Losses</a></td>
        <td class="nump">33,961<span></span></td>
        <td class="nump">32,978<span></span></td>
        <td class="nump">35,858<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeAbstract', window );"><strong>NON-INTEREST INCOME</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities', window );">Trust fees</a></td>
        <td class="nump">6,917<span></span></td>
        <td class="nump">6,527<span></span></td>
        <td class="nump">6,173<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentAdvisoryFees', window );">Investment advisory fees</a></td>
        <td class="nump">895<span></span></td>
        <td class="nump">741<span></span></td>
        <td class="nump">754<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSalesOfLoansNet', window );">Net gains on loans held for sale</a></td>
        <td class="nump">1,089<span></span></td>
        <td class="nump">1,132<span></span></td>
        <td class="nump">812<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfSecuritiesNet', window );">Net realized gains (losses) on investment securities</a></td>
        <td class="nump">204<span></span></td>
        <td class="nump">12<span></span></td>
        <td class="num">(358)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FeesAndCommissionsDepositorAccounts', window );">Service charges on deposit accounts</a></td>
        <td class="nump">2,173<span></span></td>
        <td class="nump">2,195<span></span></td>
        <td class="nump">2,241<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsuranceIncome', window );">Bank owned life insurance</a></td>
        <td class="nump">998<span></span></td>
        <td class="nump">863<span></span></td>
        <td class="nump">885<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeOtherOperatingIncome', window );">Other income</a></td>
        <td class="nump">3,468<span></span></td>
        <td class="nump">3,473<span></span></td>
        <td class="nump">3,062<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Total Non-Interest Income</a></td>
        <td class="nump">15,744<span></span></td>
        <td class="nump">14,943<span></span></td>
        <td class="nump">13,569<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpenseAbstract', window );"><strong>NON-INTEREST EXPENSE</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Salaries and employee benefits</a></td>
        <td class="nump">25,115<span></span></td>
        <td class="nump">24,424<span></span></td>
        <td class="nump">22,616<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OccupancyNet', window );">Net occupancy expense</a></td>
        <td class="nump">2,937<span></span></td>
        <td class="nump">2,800<span></span></td>
        <td class="nump">2,900<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquipmentExpense', window );">Equipment expense</a></td>
        <td class="nump">1,851<span></span></td>
        <td class="nump">1,764<span></span></td>
        <td class="nump">1,686<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProfessionalFees', window );">Professional fees</a></td>
        <td class="nump">4,327<span></span></td>
        <td class="nump">3,870<span></span></td>
        <td class="nump">3,875<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SuppliesAndPostageExpense', window );">Supplies, postage and freight</a></td>
        <td class="nump">810<span></span></td>
        <td class="nump">830<span></span></td>
        <td class="nump">886<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TaxesOther', window );">Miscellaneous taxes and insurance</a></td>
        <td class="nump">1,467<span></span></td>
        <td class="nump">1,439<span></span></td>
        <td class="nump">1,372<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense', window );">Federal deposit insurance expense</a></td>
        <td class="nump">611<span></span></td>
        <td class="nump">441<span></span></td>
        <td class="nump">1,338<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FederalHomeLoanBankPrepaymentPenalties', window );">Federal Home Loan Bank prepayment penalties</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">240<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other expense</a></td>
        <td class="nump">5,105<span></span></td>
        <td class="nump">5,073<span></span></td>
        <td class="nump">5,124<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Total Non-Interest Expense</a></td>
        <td class="nump">42,223<span></span></td>
        <td class="nump">40,641<span></span></td>
        <td class="nump">40,037<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">PRETAX INCOME</a></td>
        <td class="nump">7,482<span></span></td>
        <td class="nump">7,280<span></span></td>
        <td class="nump">9,390<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision for income taxes</a></td>
        <td class="nump">2,289<span></span></td>
        <td class="nump">2,241<span></span></td>
        <td class="nump">2,853<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">NET INCOME</a></td>
        <td class="nump">5,193<span></span></td>
        <td class="nump">5,039<span></span></td>
        <td class="nump">6,537<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStock', window );">Preferred stock dividends and accretion of preferred stock discount</a></td>
        <td class="nump">209<span></span></td>
        <td class="nump">828<span></span></td>
        <td class="nump">1,385<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">NET INCOME AVAILABLE TO COMMON SHAREHOLDERS</a></td>
        <td class="nump">$ 4,984<span></span></td>
        <td class="nump">$ 4,211<span></span></td>
        <td class="nump">$ 5,152<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasicAbstract', window );"><strong>Basic:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Net income</a></td>
        <td class="nump">$ 0.26<span></span></td>
        <td class="nump">$ 0.21<span></span></td>
        <td class="nump">$ 0.24<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Average number of shares outstanding</a></td>
        <td class="nump">18,942<span></span></td>
        <td class="nump">19,685<span></span></td>
        <td class="nump">21,184<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDilutedAbstract', window );"><strong>Diluted:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Net income</a></td>
        <td class="nump">$ 0.26<span></span></td>
        <td class="nump">$ 0.21<span></span></td>
        <td class="nump">$ 0.24<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Average number of shares outstanding</a></td>
        <td class="nump">19,034<span></span></td>
        <td class="nump">19,747<span></span></td>
        <td class="nump">21,205<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareDeclared', window );">Cash dividends declared</a></td>
        <td class="nump">$ 0.03<span></span></td>
        <td class="nump">$ 0.00<span></span></td>
        <td class="nump">$ 0.00<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FederalHomeLoanBankPrepaymentPenalties">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Federal Home Loan Bank prepayment penalties.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_FederalHomeLoanBankPrepaymentPenalties</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_InterestAndFeeIncomeLoansAndLeasesTaxable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Taxable portion of interest and fee income on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_InterestAndFeeIncomeLoansAndLeasesTaxable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax exempt portion of interest and fee income on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_InterestAndFeeIncomeLoansAndLeasesTaxExempt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsuranceIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BankOwnedLifeInsuranceIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockDividendsPerShareDeclared">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate dividends declared during the period for each share of common stock outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockDividendsPerShareDeclared</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsPreferredStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of paid and unpaid preferred stock dividends declared with the form of settlement in cash, stock and payment-in-kind (PIK).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 405<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957935&amp;loc=d3e64057-112817<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendsPreferredStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 52<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=32703322&amp;loc=d3e4984-109258<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.21)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.19)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.23)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 18<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 20<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 21<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasicAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareBasicAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.21)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 18<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 20<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 21<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareDiluted</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDilutedAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareDilutedAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquipmentExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents equipment expense including depreciation, repairs, rentals, and service contract costs. This item also includes equipment purchases which do not qualify for capitalization in accordance with the entity's accounting policy. This item may also include furniture expenses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EquipmentExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense for Federal Deposit Insurance Corporation (FDIC) insurance.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalDepositInsuranceCorporationPremiumExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeesAndCommissionsDepositorAccounts">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from nontransaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) use of automated teller machines or remote service units; (9) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (10) issuing stop payment orders; (11) certifying checks; and (12) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department. This item does not include penalties assessed on the early withdrawal of time deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13 (d))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FeesAndCommissionsDepositorAccounts</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Income from services rendered by trust departments or by any consolidated subsidiaries acting in a fiduciary capacity, including fees earned for (1) acting as an agent for fiduciary placement and loans and (2) custody or investment advisory services when such fees are not separately billed to the customer. This item excludes commissions and fees received for the accumulation or disbursement of funds deposited to Individual Retirement or Keogh plan accounts when such are not handled by the reporting entity's trust department.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13 (a))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfSecuritiesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13(h))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph h<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 3<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSaleOfSecuritiesNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSalesOfLoansNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) resulting from a sale of loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loan held for investment purposes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13(h))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.3(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSalesOfLoansNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.4-08.(h))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 08<br><br><br><br> -Paragraph h<br><br><br><br> -Article 4<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Income Tax Expense (or Benefit)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 740<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 9<br><br><br><br> -Subparagraph (a),(b)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.1-5)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 1, 2 , 3, 4, 5<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndDividendIncomeOperating</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of operating dividend and interest income, including amortization and accretion of premiums and discounts, on available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Available-for-Sale Securities<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6505594<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.2)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 2<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 35<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27723805&amp;loc=d3e24721-111560<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndDividendIncomeSecuritiesAvailableForSale</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeSecuritiesByClassificationAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndDividendIncomeSecuritiesByClassificationAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of operating interest income, including amortization and accretion of premiums and discounts, on held-to-maturity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.2)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 2<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 25<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 35<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27723805&amp;loc=d3e24721-111560<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndDividendIncomeSecuritiesHeldToMaturity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndFeeIncomeLoansAndLeasesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndFeeIncomeLoansAndLeasesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of the cost of borrowed funds accounted for as interest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 835<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.9)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 9<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate amount of interest expense on all deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.6)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 6<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest expense incurred during the reporting period on long-term borrowings associated with Federal Home Loan Bank and Federal Reserve Bank advances.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest expense incurred during the reporting period on short-term borrowings associated with Federal Home Loan Bank and Federal Reserve Bank advances.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesShortTerm</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseJuniorSubordinatedDebentures">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest expense incurred during the reporting period on junior subordinated debentures. Includes amortization of expenses incurred in the issuance of subordinated notes and debentures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 8<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.8)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseJuniorSubordinatedDebentures</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeDepositsWithFinancialInstitutions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income derived from funds deposited with both domestic and foreign financial institutions including funds in money market and other accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 4<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeDepositsWithFinancialInstitutions</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net amount of operating interest income (expense).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.10)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 10<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeExpenseNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeFederalFundsSold">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income on federal funds sold. Federal funds sold represent the excess federal funds held by one commercial bank which it lends to another commercial bank, usually at an agreed-upon (federal funds) rate of interest. Such loans generally are of short-duration (overnight).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 4<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeFederalFundsSold</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeMoneyMarketDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest earned on funds deposited in US domestic money market accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 4<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeMoneyMarketDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentAdvisoryFees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of fees earned from providing investment advice and research to customers.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13(a),(d))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InvestmentAdvisoryFees</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LaborAndRelatedExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of expenditures for salaries, wages, profit sharing and incentive compensation, and other employee benefits, including equity-based compensation, and pension and other postretirement benefit expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LaborAndRelatedExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 20<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Other Comprehensive Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Net Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.19)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.18)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.22)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 6<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e565-108580<br><br><br><br><br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 19<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1377-109256<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total aggregate amount of all noninterest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 14<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpenseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestExpenseAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncomeAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeOtherOperatingIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents other forms of revenue earned, excluding interest, which is not otherwise specified in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncomeOtherOperatingIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OccupancyNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.6)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 840<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6455398&amp;loc=d3e45280-112737<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14(b))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OccupancyNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherNoninterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Other noninterest expenses that are not separately presented in any other noninterest expense category.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherNoninterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProfessionalFees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A fee charged for services from professionals such as doctors, lawyers and accountants. The term is often expanded to include other professions, for example, pharmacists charging to maintain a medicinal profile of a client or customer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 946<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.6-07.2(a),(b),(c),(d))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6488393&amp;loc=d3e606610-122999<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 946<br><br><br><br> -SubTopic 225<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 3<br><br><br><br> -Subparagraph (k)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6488370&amp;loc=d3e13550-115849<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProfessionalFees</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 11<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 11B<br><br><br><br> -Subparagraph (c)(2)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.11)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForLoanLeaseAndOtherLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SuppliesAndPostageExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of expenses directly related to the supplies and postage.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SuppliesAndPostageExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TaxesOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Taxes, excluding payroll, income and excise taxes, if not included elsewhere, that could include production, real and personal property, and other selling and distribution-related taxes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TaxesOther</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 16<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1505-109256<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 10<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1448-109256<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Weighted-Average Number of Common Shares Outstanding<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6528421<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>104
<FILENAME>R12.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>LOANS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableNetAbstract', window );"><strong>LOANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock', window );">LOANS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 4.&nbsp;&nbsp;LOANS</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The loan portfolio of the Company consisted of the following:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>120,102</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 102,822</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>411,691</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 383,339</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>235,689</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 217,584</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>15,864</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 17,420</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Loans, net of unearned income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>783,346</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 721,165</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Loan balances at December 31, 2013 and 2012 are net of unearned income of $581,000 and $637,000, respectively. Real estate construction loans comprised 3.0% and 2.0% of total loans net of unearned income at December 31, 2013 and 2012, respectively. The Company has no exposure to subprime mortgage loans in either the loan or investment portfolios. The Company has no direct loan exposure to foreign countries. Additionally, the Company has no significant industry lending concentrations. As of December 31, 2013 and 2012, loans to customers engaged in similar activities and having similar economic characteristics, as defined by standard industrial classifications, did not exceed 10% of total loans. Additionally, the majority of the Company&#39;s lending occurs within a 150 mile radius of the Johnstown market.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> In the ordinary course of business, the subsidiaries have transactions, including loans, with their officers, directors, and their affiliated companies. In management&#39;s opinion, these transactions were on substantially the same terms as those prevailing at the time for comparable transactions with unaffiliated parties and do not involve more than the normal credit risk. These loans totaled $853,000 and $1.0 million at December 31, 2013 and 2012, respectively.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsReceivableNetAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsReceivableNetAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3,4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3, 4<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5074-111524<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5066-111524<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Article 9<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(k))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph k<br><br> -Article 4<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5162-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>105
<FILENAME>R11.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INVESTMENT SECURITIES<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsAbstract', window );"><strong>INVESTMENT SECURITIES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock', window );">INVESTMENT SECURITIES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 3.&nbsp;&nbsp;INVESTMENT SECURITIES</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The cost basis and fair values of investment securities are summarized as follows:</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">AT DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COST BASIS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">GROSS UNREALIZED GAINS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">GROSS UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR<br /> VALUE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6,926</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>35</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(126)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6,835</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Corporate bonds</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>11,992</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>21</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(252)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>11,761</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency mortgage-backed securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>121,480</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>3,129</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(1,227)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>123,382</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>140,398</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>3,185</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(1,605)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>141,978</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">AT DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COST BASIS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">GROSS UNREALIZED GAINS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">GROSS UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR<br /> VALUE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency mortgage-backed securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>12,671</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>289</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(477)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>12,483</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Taxable municipal</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,521</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(120)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,401</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Corporate bonds and other securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>3,995</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(91)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>3,904</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>18,187</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>289</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(688)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>17,788</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COST BASIS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">GROSS UNREALIZED GAINS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">GROSS UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR<br /> VALUE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,848</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">70</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(7</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,911</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Corporate bonds</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,992</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">3</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (103</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,892</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency mortgage-backed securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 131,425</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 6,320</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (10</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 137,735</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 145,265</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 6,393</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (120</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 151,538</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COST BASIS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">GROSS UNREALIZED GAINS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">GROSS UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR<br /> VALUE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="15">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency mortgage-backed securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9,318</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">578</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9,896</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Taxable municipal</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">410</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">6</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">416</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Corporate bonds and other securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 3,995</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 14</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (55</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 3,954</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 13,723</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 598</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (55</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 14,266</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Maintaining investment quality is a primary objective of the Company&#39;s investment policy which, subject to certain limited exceptions, prohibits the purchase of any investment security below a Moody&#39;s Investors Service or Standard &amp; Poor&#39;s rating of A. At December 31, 2013, 89.0% of the portfolio was rated AAA as compared to 92.2% at December 31, 2012. 1.9% of the portfolio was rated below A or unrated on December 31, 2013. The Company and its subsidiaries, collectively, did not hold securities of any single issuer, excluding U.S. Treasury and U.S. Agencies, that exceeded 10% of shareholders&#39; equity at December 31, 2013.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The book value of securities, both available for sale and held to maturity, pledged to secure public and trust deposits, and certain Federal Home Loan Bank borrowings was $110,780,000 at December 31, 2013 and $94,206,000 at December 31, 2012.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company realized $289,000 of gross investment security gains and $85,000 of investment security losses in 2013, and $12,000 of gross investment gains and no investment security losses in 2012, and $358,000 of gross investment losses and no investment security gains in 2011. On a net basis, the realized gain for 2013 was $135,000 after factoring in tax expense of $69,000, the realized gain for 2012 was $8,000 after factoring in tax expense of $4,000, the realized loss for 2011 was $236,000, after factoring the tax benefit of $122,000. Proceeds from sales of investment securities available for sale were $11.2 million for 2013, $4.2 million for 2012, and $16.5 million during 2011.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table sets forth the contractual maturity distribution of the investment securities, cost basis and fair market values, and the weighted average yield for each type and range of maturity as of December 31, 2013. Yields are not presented on a tax-equivalent basis, but are based upon the cost basis and are weighted for the scheduled maturity. The Company&#39;s consolidated investment securities portfolio had an effective duration of approximately 3.51 years. The weighted average expected maturity for available for sale securities at December 31, 2013 for U.S. Agency, U.S. Agency Mortgage-Backed and Corporate Bond securities was 3.84, 5.07 and 4.73 years, respectively. The weighted average expected maturity for held to maturity securities at December 31, 2013 for U.S. Agency Mortgage-Backed and Corporate Bonds/Taxable Municipals and other securities were 6.73 and 5.82 years.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="31">AT DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">U. S. AGENCY</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">U.S. AGENCY MORTGAGE- BACKED SECURITIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">CORPORATE BONDS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TOTAL INVESTMENT SECURITIES AVAILABLE FOR SALE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="31">(IN THOUSANDS, EXCEPT YIELDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> COST BASIS<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Within 1 year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 1 year but within<br /> 5 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>5,926</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.50</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,813</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4.54</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>7,994</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.56</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>15,733</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.90</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 5 years but within 10 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,000</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.43</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>12,381</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.88</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,998</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.91</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>17,379</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.59</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 10 years but within 15 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>64,347</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.74</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>64,347</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.74</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Over 15 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>42,939</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>2.74</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>42,939</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>2.74</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>6,926</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> <strong>1.49</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>121,480</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> <strong>2.78</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>11,992</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> <strong>1.68</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>140,398</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> <strong>2.63</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> FAIR VALUE<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Within 1 year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 1 year but within<br /> 5 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>5,898</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,934</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>7,947</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>15,779</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 5 years but within 10 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>937</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>12,735</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,814</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>17,486</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 10 years but within 15 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>64,751</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>64,751</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Over 15 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>43,962</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>43,962</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>6,835</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>123,382</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>11,761</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>141,978</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23">AT DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">U.S. AGENCY MORTGAGE-BACKED SECURITIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">CORPORATE BONDS AND OTHER</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TOTAL INVESTMENT SECURITIES HELD TO MATURITY</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23">(IN THOUSANDS, EXCEPT YIELDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> COST BASIS<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Within 1 year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 1 year but within 5 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,000</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.46</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,000</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.46</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 5 years but within 10 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,760</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.10</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,760</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.10</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 10 years but within 15 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,011</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3.14</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,011</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3.14</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Over 15 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>10,911</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>3.49</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,505</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>4.54</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>12,416</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>3.62</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>12,671</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> <strong>3.30</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>5,516</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> <strong>2.61</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>18,187</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> <strong>3.09</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> FAIR VALUE<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Within 1 year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 1 year but within 5 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,966</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,966</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 5 years but within 10 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,618</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,618</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> After 10 years but within 15 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>891</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>891</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Over 15 years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>10,865</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,448</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>12,313</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>12,483</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>5,305</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>17,788</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> &nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following tables present information concerning investments with unrealized losses as of December 31, 2013 (in thousands):</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">LESS THAN 12 MONTHS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">12 MONTHS OR LONGER</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TOTAL</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,812</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(64)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>938</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(62)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4,750</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(126)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency mortgage-backed<br /> securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>43,402</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,224)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>669</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(3)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>44,071</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,227)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Corporate bonds</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>6,777</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(215)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,963</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(37)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>8,740</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(252)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>53,991</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(1,503)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>3,570</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(102)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>57,561</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(1,605)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">LESS THAN 12 MONTHS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">12 MONTHS OR LONGER</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TOTAL</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Corporate bonds/taxable municipals and other securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,801</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(205)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>994</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(6)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4,795</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(211)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency mortgage-backed securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>8,761</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(477)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>8,761</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(477)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>12,562</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(682)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>994</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(6)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>13,556</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(688)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following tables present information concerning investments with unrealized losses as of December 31, 2012 (in thousands):</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities available for sale:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">LESS THAN 12 MONTHS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">12 MONTHS OR LONGER</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TOTAL</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">993</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(7</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">993</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(7</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> U.S. Agency mortgage-backed securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,140</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(8</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">349</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(2</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,489</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(10</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Corporate bonds</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 6,898</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (103</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 6,898</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (103</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 9,031</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (118</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 349</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (2</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 9,380</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (120</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Investment securities held to maturity:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">LESS THAN 12 MONTHS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">12 MONTHS OR LONGER</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TOTAL</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FAIR VALUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNREALIZED LOSSES</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Corporate bonds and other securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 965</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (35</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,981</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (20</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,946</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (55</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 965</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (35</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,981</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (20</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,946</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (55</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. There are 60 positions that are considered temporarily impaired at December 31, 2013. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value or mature.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InvestmentsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for  investments in certain debt and equity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -Glossary Debt Security<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6509901<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62557-112803<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27161-111563<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27405-111563<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -Glossary Equity Security<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6511694<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>106
<FILENAME>R23.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>LEASE COMMITMENTS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeasesOperatingAbstract', window );"><strong>LEASE COMMITMENTS Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeasesOfLesseeDisclosureTextBlock', window );">LEASE COMMITMENTS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 15.&nbsp;&nbsp;LEASE COMMITMENTS</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company&#39;s obligation for future minimum lease payments on operating leases at December 31, 2013, is as follows:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> YEAR:</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">FUTURE MINIMUM LEASE PAYMENTS</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="3">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2014</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">712</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2015</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">682</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2016</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">625</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2017</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">511</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2018</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">366</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2019 and thereafter</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,931</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> In addition to the amounts set forth above, certain of the leases require payments by the Company for taxes, insurance, and maintenance. Rent expense included in total non-interest expense amounted to $764,000, $785,000 and $665,000, in 2013, 2012, and 2011, respectively.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeasesOfLesseeDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for lessee entity's leasing arrangements including, but not limited to, all of the following: (a.) The basis on which contingent rental payments are determined, (b.) The existence and terms of renewal or purchase options and escalation clauses, (c.) Restrictions imposed by lease agreements, such as those concerning dividends, additional debt, and further leasing.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 460<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6851643&amp;loc=d3e12069-110248<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6455398&amp;loc=d3e45280-112737<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6452660&amp;loc=d3e36991-112694<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41499-112717<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 40<br><br> -Subparagraph (Note 1,3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6584154&amp;loc=d3e38371-112697<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41502-112717<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LeasesOfLesseeDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeasesOperatingAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LeasesOperatingAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>107
<FILENAME>R19.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueMeasurementInputsDisclosureTextBlock', window );">DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 11.&nbsp;&nbsp;DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following disclosures establish a hierarchal framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined within this hierarchy are as follows:</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Level I:&nbsp;&nbsp;Quoted prices are available in active markets for identical assets or liabilities as of the reported date.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Level II:&nbsp;&nbsp;Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Level III:&nbsp;&nbsp;Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management&#39;s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Securities classified as available for sale are reported at fair value utilizing Level 2 inputs. For these securities, the Company obtains fair value measurements from an independent pricing service. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond&#39;s terms and conditions, among other things.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The fair value of the swap asset is based on an external derivative valuation model using data inputs as of the valuation date and classified Level 2.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table presents the assets reported on the Consolidated Balance Sheets at their fair value as of December 31, 2013 and 2012, by level within the fair value hierarchy. Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> <u>Assets and Liability Measured on a Recurring Basis</u></p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Assets and liability measured at fair value on a recurring basis are summarized below (in thousands):</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<br /> (LEVEL 1)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SIGNIFICANT OTHER OBSERVABLE INPUTS<br /> (LEVEL 2)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SIGNIFICANT UNOBSERVABLE INPUTS<br /> (LEVEL 3)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Assets:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> U.S. Agency securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6,835</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6,835</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> U.S. Agency mortgage-backed securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>123,382</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>123,382</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Corporate bonds</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>11,761</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>11,761</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<br /> (LEVEL 1)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SIGNIFICANT OTHER OBSERVABLE INPUTS<br /> (LEVEL 2)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SIGNIFICANT UNOBSERVABLE INPUTS<br /> (LEVEL 3)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Assets:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> U.S. Agency securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,911</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,911</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> U.S. Agency mortgage-backed securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 137,735</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 137,735</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Corporate bonds</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,892</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,892</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Fair value of swap asset</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Fair value of swap liability</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Loans considered impaired are loans for which, based on current information and events, it is probable that the creditor will be unable to collect all amounts due according to the contractual terms of the loan agreement. Impaired loans are reported at fair value of the underlying collateral if the repayment is expected solely from the collateral. Collateral values are estimated using Level 3 inputs based on observable market data which at times are discounted. At December 31, 2013, impaired loans with a carrying value of $3.1 million were reduced by specific valuation allowance totaling $813,000 resulting in a net fair value of $2.3 million. At December 31, 2012, impaired loans with a carrying value of $4.8 million were reduced by specific valuation allowance totaling $1.6 million resulting in a net fair value of $3.2 million.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> OREO is measured at fair value based on appraisals, less cost to sell at the date of foreclosure. Valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value, less cost to sell. Income and expenses from operations and changes in valuation allowance are included in the net expenses from OREO.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> <u>Assets Measured on a Non-recurring Basis</u></p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Assets measured at fair value on a non-recurring basis are summarized below (in thousands):</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2013 USING</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<br /> (LEVEL 1)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SIGNIFICANT OTHER OBSERVABLE INPUTS<br /> (LEVEL 2)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SIGNIFICANT UNOBSERVABLE INPUTS<br /> (LEVEL 3)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Assets:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Impaired loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,253</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,253</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Other real estate owned</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,017</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,017</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">FAIR VALUE MEASUREMENTS AT DECEMBER 31, 2012 USING</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">QUOTED PRICES IN ACTIVE MARKETS FOR IDENTICAL ASSETS<br /> (LEVEL 1)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SIGNIFICANT OTHER OBSERVABLE INPUTS<br /> (LEVEL 2)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SIGNIFICANT UNOBSERVABLE INPUTS<br /> (LEVEL 3)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Assets:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Impaired loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,220</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,220</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Other real estate owned</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,228</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,228</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> December 31, 2013</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">Quantitative Information About Level 3 Fair Value Measurements</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Fair Value Estimate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Valuation<br /> Techniques</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Unobservable<br /> Input</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Range(Wgtd Ave)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Impaired loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,253</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Appraisal of collateral</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(1)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Appraisal adjustments</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(2)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">0% to 37%(30%)</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> Liquidation expenses</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(2)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">1% to 15%(10%)</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other real estate owned</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,017</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Appraisal of collateral<sup>(1),(3)</sup></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Appraisal adjustments</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(2)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">31% to 48%(38%)</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> Liquidation expenses</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(2)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">1% to 20%(10%)</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> December 31, 2012</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="15">Quantitative Information About Level 3 Fair Value Measurements</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Fair Value Estimate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Valuation<br /> Techniques</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Unobservable<br /> Input</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Range(Wgtd Ave)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Impaired loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,220</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Appraisal of collateral</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(1)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Appraisal adjustments</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(2)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">1% to 35%(20%)</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> Liquidation expenses</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(2)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">1% to 15%(10%)</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other real estate owned</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,228</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Appraisal of collateral<sup>(1),(3)</sup></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Appraisal adjustments</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(2)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">1% to 20%(15%)</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> Liquidation expenses</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <sup>(2)</sup><!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">1% to 20%(10%)</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 1px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">(1)</td> <td style="TEXT-ALIGN: left">Fair Value is generally determined through independent appraisals of the underlying collateral, which generally include various level 3 inputs which are not identifiable.</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 1px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">(2)</td> <td style="TEXT-ALIGN: left">Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses.</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 1px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">(3)</td> <td style="TEXT-ALIGN: left">Includes qualitative adjustments by management and estimated liquidation expenses.</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueDisclosuresAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueDisclosuresAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueMeasurementInputsDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure of the fair value measurement of assets and liabilities, which includes financial instruments measured at fair value that are classified in shareholders' equity, which may be measured on a recurring or nonrecurring basis.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25499696&amp;loc=d3e19279-110258<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25499696&amp;loc=d3e19190-110258<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25499696&amp;loc=d3e19207-110258<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueMeasurementInputsDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>108
<FILENAME>R84.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E6GAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DEPOSITS (Schedule of Maturities of Deposits of $100,000 or More) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>DEPOSITS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess', window );">Three months or less</a></td>
        <td class="nump">$ 7,399<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths', window );">Over three through six months</a></td>
        <td class="nump">20,763<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months', window );">Over six through twelve months</a></td>
        <td class="nump">3,947<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months', window );">Over twelve months</a></td>
        <td class="nump">15,178<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits100000OrMore', window );">Total</a></td>
        <td class="nump">$ 47,287<span></span></td>
        <td class="nump">$ 35,339<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of contractual maturities of domestic and foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more, after twelve months from the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph D<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreAfter12Months</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of contractual maturities of domestic and foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more, for the period from six months through twelve months after the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph D<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreSixMonthsThrough12Months</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of contractual maturities of domestic and foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more, for three months or less from the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph D<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsOrLess</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of contractual maturities of domestic and foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more, for the period from three months through six months after the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph D<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ContractualMaturitiesTimeDeposits100000OrMoreThreeMonthsThroughSixMonths</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits100000OrMore">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section V<br><br> -Paragraph A<br><br> -Subparagraph 4<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDeposits100000OrMore</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>109
<FILENAME>R15.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PREMISES AND EQUIPMENT<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>PREMISES AND EQUIPMENT [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock', window );">PREMISES AND EQUIPMENT</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 7.&nbsp;&nbsp;PREMISES AND EQUIPMENT</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> An analysis of premises and equipment follows:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Land</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,208</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,208</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Premises</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>25,752</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 24,430</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Furniture and equipment</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8,912</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,572</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Leasehold improvements</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>803</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 690</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total at cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>36,675</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 33,900</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Less: Accumulated depreciation and amortization</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>23,556</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 22,102</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net book value</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>13,119</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 11,798</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company recorded depreciation expense of $1.7 million for 2013 and $1.5 for each of the years 2012 and 2011, respectively.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PropertyPlantAndEquipmentAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, accounting policies and methodology, roll forwards, depreciation, depletion and amortization expense, including composite depreciation, accumulated depreciation, depletion and amortization expense, useful lives and method used, income statement disclosures, assets held for sale and public utility disclosures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391110&amp;loc=d3e2921-110230<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13-14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>110
<FILENAME>R60.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E5G">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>CASH AND DUE FROM DEPOSITORY INSTITUTIONS (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAbstract', window );"><strong>CASH AND DUE FROM DEPOSITORY INSTITUTIONS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAndCashEquivalents', window );">Cash reserves required to be maintained under Federal Reserve Bank regulations</a></td>
        <td class="nump">$ 61<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RestrictedCashAndCashEquivalents">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The carrying amounts of cash and cash equivalent items which are restricted as to withdrawal or usage. Restrictions may include legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or entity statements of intention with regard to particular deposits; however, time deposits and short-term certificates of deposit are not generally included in legally restricted deposits. Excludes compensating balance arrangements that are not agreements which legally restrict the use of cash amounts shown on the balance sheet. This element is for unclassified presentations; for classified presentations there is a separate and distinct element.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RestrictedCashAndCashEquivalents</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>111
<FILENAME>R110.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EJZAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PREFERRED STOCK (Schedule of Preferred Dividend Stock Period Annualized) (Details) (Series E Preferred Stock [Member])<br></strong></div>
        </th>
        <th class="th" colspan="1">1 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
        <th class="th" colspan="1">1 Months Ended</th>
        <th class="th" colspan="9">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Aug. 11, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013

</div>
          <div>Term 1 [Member]</div>
        </th>
        <th class="th" colspan="2">
          <div>Dec. 31, 2013

</div>
          <div>Term 4 [Member]</div>
        </th>
        <th class="th">
          <div>Aug. 11, 2011

</div>
          <div>Minimum [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013

</div>
          <div>Minimum [Member]

</div>
          <div>Term 1 [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013

</div>
          <div>Minimum [Member]

</div>
          <div>Term 2 [Member]</div>
        </th>
        <th class="th" colspan="2">
          <div>Dec. 31, 2013

</div>
          <div>Minimum [Member]

</div>
          <div>Term 3 [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013

</div>
          <div>Minimum [Member]

</div>
          <div>Term 4 [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013

</div>
          <div>Maximum [Member]

</div>
          <div>Term 1 [Member]</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013

</div>
          <div>Maximum [Member]

</div>
          <div>Term 2 [Member]</div>
        </th>
        <th class="th" colspan="2">
          <div>Dec. 31, 2013

</div>
          <div>Maximum [Member]

</div>
          <div>Term 3 [Member]</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PreferredStockLineItems', window );"><strong>Preferred Stock [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockDividendRatePercentage', window );">Annualized Dividend Rate</a></td>
        <td class="nump">5.00%<span></span></td>
        <td class="nump">5.00%<span></span></td>
        <td class="nump">9.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="nump">1.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1.00%<span></span></td>
        <td class="nump">1.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">5.00%<span></span></td>
        <td class="nump">7.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DividendAnnualizedPeriod', window );">Dividend Annualized Period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">Aug. 11,
				 2011<span></span></td>
        <td class="text">Jan.
				01,
				 2012<span></span></td>
        <td class="text">Jan.
				01,
				 2014<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">Feb.
				08,
				 2016<span></span></td>
        <td class="text">Dec. 31,
				 2011<span></span></td>
        <td class="text">Dec. 31,
				 2013<span></span></td>
        <td class="text">Feb.
				07,
				 2016<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr>
        <td colspan="15"></td>
      </tr>
      <tr>
        <td colspan="15">
          <table class="outerFootnotes" width="100%">
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[1]</td>
              <td style="vertical-align: top;" valign="top">Beginning on February 8, 2016, the dividend rate will be fixed at nine percent (9%) per annum.</td>
            </tr>
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[2]</td>
              <td style="vertical-align: top;" valign="top">Between January 1, 2014 and February 7, 2016, the dividend rate will be fixed at a rate in such range based upon the level of percentage change in QSBL between September 30, 2013 and the Baseline.</td>
            </tr>
          </table>
        </td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DividendAnnualizedPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Dividend annualized period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_DividendAnnualizedPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:dateItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_PreferredStockLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_PreferredStockLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockDividendRatePercentage">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The percentage rate used to calculate dividend payments on preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockDividendRatePercentage</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>112
<FILENAME>R13.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract', window );"><strong>ALLOWANCE FOR LOAN LOSSES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForCreditLossesTextBlock', window );">ALLOWANCE FOR LOAN LOSSES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 5.&nbsp;&nbsp;ALLOWANCE FOR LOAN LOSSES</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table summarizes the rollforward of the allowance for loan losses by portfolio segment (in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">BALANCE AT DECEMBER 31, 2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CHARGE-<br /> OFFS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RECOVERIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">PROVISION (CREDIT)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">BALANCE AT DECEMBER 31, 2013</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,596</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(50)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>80</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>218</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,844</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>7,796</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,777)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>481</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,615)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4,885</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,269</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(139)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>122</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,260</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>150</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(154)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>70</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>70</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>136</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Allocation for general risk</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>760</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>219</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>979</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>12,571</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(2,120)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>753</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(1,100)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>10,104</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">BALANCE AT DECEMBER 31, 2011</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CHARGE-<br /> OFFS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RECOVERIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">PROVISION (CREDIT)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">BALANCE AT DECEMBER 31, 2012</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,365</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (345</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">138</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">438</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,596</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9,400</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (796</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">245</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,053</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,796</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,270</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (420</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">54</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">365</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,269</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">174</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (200</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">47</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">129</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">150</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Allocation for general risk</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,414</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (654</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 760</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 14,623</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (1,761</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 484</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (775</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 12,571</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">BALANCE AT DECEMBER 31, 2010</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CHARGE-<br /> OFFS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RECOVERIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">PROVISION (CREDIT)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">BALANCE AT DECEMBER 31, 2011</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,851</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (953</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">831</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,364</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,365</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 12,717</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,700</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">331</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,948</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9,400</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,117</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(85</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">53</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">185</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,270</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">206</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (203</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">159</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">12</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">174</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Allocation for general risk</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,874</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (460</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,414</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 19,765</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (2,941</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,374</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (3,575</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 14,623</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> As a result of successful ongoing problem credit resolution efforts, the Company achieved further asset quality improvements in 2013. These improvements are evidenced by reduced levels of non-accrual loans, non-performing assets, classified assets and low loan delinquency levels that continue to be well below 1% of total loans. The higher charge-off in the commercial loans secured by real estate relate primarily to one loan for which a specific reserve had been previously established. Additionally, the largest portion of the credit provision occurred in commercial loans secured by real-estate as this is the category that experienced the most meaningful improvement in asset quality, particularly in the fourth quarter, which resulted in a reduction of the related qualitative factor.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio.</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">AT DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">(IN THOUSANDS)</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL LOANS SECURED BY REAL ESTATE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">REAL<br /> ESTATE- MORTGAGE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CONSUMER</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Loans:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Individually evaluated for impairment</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,005</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>61</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,066</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Collectively evaluated for impairment</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>120,102</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>408,686</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>235,689</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>15,803</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>780,280</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>120,102</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>411,691</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>235,689</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>15,864</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>783,346</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23">AT DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23">(IN THOUSANDS)</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL LOANS SECURED BY REAL ESTATE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">REAL<br /> ESTATE- MORTGAGE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CONSUMER</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">ALLOCATION FOR GENERAL RISK</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Allowance for loan losses:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Specific reserve allocation</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>812</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>813</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> General reserve allocation</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>2,844</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>4,073</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,260</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>135</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>979</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>9,291</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total allowance for loan losses</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>2,844</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>4,885</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,260</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>136</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>979</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>10,104</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">(IN THOUSANDS)</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL LOANS SECURED BY REAL ESTATE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">REAL<br /> ESTATE- MORTGAGE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CONSUMER</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Loans:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Individually evaluated for impairment</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,793</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,806</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Collectively evaluated for impairment</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 102,822</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 378,546</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 217,584</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 17,407</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 716,359</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 102,822</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 383,339</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 217,584</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 17,420</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 721,165</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23">(IN THOUSANDS)</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL LOANS SECURED BY REAL ESTATE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">REAL<br /> ESTATE- MORTGAGE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CONSUMER</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">ALLOCATION FOR GENERAL RISK</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Allowance for loan losses:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Specific reserve allocation</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,586</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,586</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> General reserve allocation</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,596</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 6,210</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,269</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 150</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 760</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 10,985</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total allowance for loan losses</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,596</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 7,796</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,269</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 150</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 760</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 12,571</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The segments of the Company&#39;s loan portfolio are disaggregated to a level that allows management to monitor risk and performance. The loan segments used are consistent with the internal reports evaluated by the Company&#39;s management and Board of Directors to monitor risk and performance within various segments of its loan portfolio and therefore, no further disaggregation into classes is necessary. The overall risk profile for the commercial loan segment is impacted by non-owner occupied CRE loans, which include loans secured by non-owner occupied nonfarm nonresidential properties, as a meaningful but declining portion of the commercial portfolio is centered in these types of accounts. The residential mortgage loan segment is comprised of first lien amortizing residential mortgage loans and home equity loans. The consumer loan segment consists primarily of installment loans and overdraft lines of credit connected with customer deposit accounts.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Management evaluates for possible impairment any individual loan in the commercial or commercial real estate segment with a loan balance in excess of $100,000 that is in nonaccrual status or classified as a Troubled Debt Restructure (TDR). Loans are considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in evaluating impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#39;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. The Company does not separately evaluate individual consumer and residential mortgage loans for impairment, unless such loans are part of a larger relationship that is impaired, or are classified as a TDR.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Once the determination has been made that a loan is impaired, the determination of whether a specific allocation of the allowance is necessary is measured by comparing the recorded investment in the loan to the fair value of the loan using one of three methods: (a) the present value of expected future cash flows discounted at the loan&#39;s effective interest rate; (b) the loan&#39;s observable market price; or (c) the fair value of the collateral less selling costs for collateral dependent loans. The method is selected on a loan-by-loan basis, with management primarily utilizing the fair value of collateral method. The evaluation of the need and amount of a specific allocation of the allowance and whether a loan can be removed from impairment status is made on a quarterly basis. The Company&#39;s policy for recognizing interest income on impaired loans does not differ from its overall policy for interest recognition.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The need for an updated appraisal on collateral dependent loans is determined on a case-by-case basis. The useful life of an appraisal or evaluation will vary depending upon the circumstances of the property and the economic conditions in the marketplace. A new appraisal is not required if there is an existing appraisal which, along with other information, is sufficient to determine a reasonable value for the property and to support an appropriate and adequate allowance for loan losses. At a minimum, annual documented reevaluation of the property is completed by the Bank&#39;s internal Assigned Risk Department to support the value of the property.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> When reviewing an appraisal associated with an existing collateral real estate dependent transaction, the Bank&#39;s internal Assigned Risk Department must determine if there have been material changes to the underlying assumptions in the appraisal which affect the original estimate of value. Some of the factors that could cause material changes to reported values include:</p> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">|B2</td> <td style="TEXT-ALIGN: left">the passage of time;</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">|B2</td> <td style="TEXT-ALIGN: left">the volatility of the local market;</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">|B2</td> <td style="TEXT-ALIGN: left">the availability of financing;</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">|B2</td> <td style="TEXT-ALIGN: left">natural disasters;</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">|B2</td> <td style="TEXT-ALIGN: left">the inventory of competing properties;</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">|B2</td> <td style="TEXT-ALIGN: left">new improvements to, or lack of maintenance of, the subject property or competing properties upon physical inspection by the Bank;</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">|B2</td> <td style="TEXT-ALIGN: left">changes in underlying economic and market assumptions, such as material changes in current and projected vacancy, absorption rates, capitalization rates, lease terms, rental rates, sales prices, concessions, construction overruns and delays, zoning changes, etc.; and/or</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">|B2</td> <td style="TEXT-ALIGN: left">environmental contamination.</td> </tr> </table> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The value of the property is adjusted to appropriately reflect the above listed factors and the value is discounted to reflect the value impact of a forced or distressed sale, any outstanding senior liens, any outstanding unpaid real estate taxes, transfer taxes and closing costs that would occur with sale of the real estate. If the Assigned Risk Department personnel determine that a reasonable value cannot be derived based on available information, a new appraisal is ordered. The determination of the need for a new appraisal, versus completion of a property valuation by the Bank&#39;s Assigned Risk Department personnel rests with the Assigned Risk Department and not the originating account officer.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following tables present impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary.</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">IMPAIRED LOANS WITH SPECIFIC ALLOWANCE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TOTAL IMPAIRED LOANS</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RECORDED INVESTMENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RELATED ALLOWANCE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RECORDED INVESTMENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RECORDED INVESTMENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNPAID PRINCIPAL BALANCE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,005</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>812</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,005</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,118</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>61</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>61</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>61</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total impaired loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>3,066</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>813</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>3,066</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>3,179</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">DECEMBER 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">IMPAIRED LOANS WITH SPECIFIC ALLOWANCE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TOTAL IMPAIRED LOANS</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RECORDED INVESTMENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RELATED ALLOWANCE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RECORDED INVESTMENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RECORDED INVESTMENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNPAID PRINCIPAL BALANCE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,239</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,586</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">554</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,793</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,850</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total impaired loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,239</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,586</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 567</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,806</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,863</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated.</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Average impaired balance:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>13</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">503</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,459</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,754</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,479</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>37</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 3</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Average investment in impaired loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>2,509</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 3,770</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,982</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest income recognized:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">17</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>11</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">150</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>3</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest income recognized on a cash basis on impaired loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>14</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 167</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Management uses a nine point internal risk rating system to monitor the credit quality of the overall loan portfolio. The first six categories are considered not criticized. The first five "Pass" categories are aggregated, while the Pass-6, Special Mention, Substandard and Doubtful categories are disaggregated to separate pools. The criticized rating categories utilized by management generally follow bank regulatory definitions. The Special Mention category includes assets that are currently protected but are potentially weak, resulting in an undue and unwarranted credit risk, but not to the point of justifying a Substandard classification. Loans in the Substandard category have well-defined weaknesses that jeopardize the liquidation of the debt, and have a distinct possibility that some loss will be sustained if the weaknesses are not corrected. All loans greater than 90 days past due, or for which any portion of the loan represents a specific allocation of the allowance for loan losses are placed in Substandard or Doubtful.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay a loan as agreed, the Company has a structured loan rating process, which dictates that, at a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. Generally, consumer and residential mortgage loans are included in the Pass categories unless a specific action, such as bankruptcy, delinquency, or death occurs to raise awareness of a possible credit event. The Company&#39;s commercial relationship managers are responsible for the timely and accurate risk rating of the loans in their portfolios at origination and on an ongoing basis. Risk ratings are assigned by the account officer, but require independent review and rating concurrence from the Company&#39;s internal Loan Review Department. The Loan Review Department is an experienced independent function which reports directly to the Board&#39;s Audit Committee. The scope of commercial portfolio coverage by the Loan Review Department is defined and presented to the Audit Committee for approval on an annual basis. The approved scope of coverage for 2013 required review of a minimum range of 50% to 55% of the commercial loan portfolio.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> In addition to loan monitoring by the account officer and Loan Review Department, the Company also requires presentation of all credits rated Pass-6 with aggregate balances greater than $1,000,000, all credits rated Special Mention or Substandard with aggregate balances greater than $250,000, and all credits rated Doubtful with aggregate balances greater than $100,000 on an individual basis to the Company&#39;s Loan Loss Reserve Committee on a quarterly basis. Additionally, the Asset Quality Task Force, which is a group comprised of senior level personnel, meets bi-weekly to monitor the status of problem loans.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful within the internal risk rating system.</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">December 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">PASS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SPECIAL MENTION</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SUBSTANDARD</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">DOUBTFUL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>108,623</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8,880</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,599</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>120,102</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>396,788</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>6,961</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>7,482</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>460</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>411,691</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>505,411</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>15,841</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>10,081</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>460</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>531,793</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">December 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">PASS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SPECIAL MENTION</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SUBSTANDARD</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">DOUBTFUL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 99,886</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">28</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,908</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 102,822</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 343,885</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 20,836</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 17,010</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,608</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 383,339</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 443,771</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 20,864</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 19,918</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,608</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 486,161</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> It is generally the policy of the bank that the outstanding balance of any residential mortgage loan that exceeds 90-days past due as to principal and/or interest is transferred to non-accrual status and an evaluation is completed to determine the fair value of the collateral less selling costs, unless the balance is minor. A charge down is recorded for any deficiency balance determined from the collateral evaluation. The remaining non-accrual balance is reported as impaired with no specific allowance. It is the policy of the bank that the outstanding balance of any consumer loan that exceeds 90-days past due as to principal and/or interest is charged off. The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolios (in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">December 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">PERFORMING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">NON-<br /> PERFORMING</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>234,450</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,239</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>15,803</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>61</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>250,253</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,300</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">December 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">PERFORMING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">NON-<br /> PERFORMING</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 216,393</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,191</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 17,407</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 233,800</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,204</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following tables present the classes of the loan portfolio summarized by the aging categories of performing loans and nonaccrual loans.</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="27">December 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CURRENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">30&nbsp;-&nbsp;59 DAYS PAST DUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">60&nbsp;-&nbsp;89 DAYS PAST DUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">90 DAYS PAST DUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL PAST DUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL LOANS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">90 DAYS PAST DUE AND STILL ACCRUING</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="27">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>120,102</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>120,102</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>410,619</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>457</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>615</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,072</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>411,691</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>231,740</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,232</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>670</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,047</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,949</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>235,689</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>15,804</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>33</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>27</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>60</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>15,864</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>778,265</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>2,722</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>697</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,662</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>5,081</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>783,346</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="27">December 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CURRENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">30&nbsp;-&nbsp;59 DAYS PAST DUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">60&nbsp;-&nbsp;89 DAYS PAST DUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">90 DAYS PAST DUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL PAST DUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL LOANS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">90 DAYS PAST DUE AND STILL ACCRUING</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="27">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 102,775</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">47</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">47</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 102,822</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 379,834</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,545</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">960</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,505</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 383,339</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 213,300</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,240</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">303</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">741</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,284</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 217,584</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 17,371</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 16</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 33</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 49</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 17,420</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 713,280</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 3,256</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,928</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,701</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 7,885</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 721,165</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> An allowance for loan losses ("ALL") is maintained to absorb losses from the loan portfolio. The ALL is based on management&#39;s continuing evaluation of the risk characteristics and credit quality of the loan portfolio, assessment of current economic conditions, diversification and size of the portfolio, adequacy of collateral, past and anticipated loss experience, and the amount of non-performing loans.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Loans that are collectively evaluated for impairment are analyzed with general allowances being made as appropriate. For general allowances, historical loss trends are used in the estimation of losses in the current portfolio. These historical loss amounts are complemented by consideration of other qualitative factors.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Management tracks the historical net charge-off activity at each risk rating grade level for the entire commercial portfolio and at the aggregate level for the consumer, residential mortgage and small business portfolios. A historical charge-off factor is calculated utilizing a rolling 12 consecutive historical quarters for the commercial portfolios. This historical charge-off factor for the consumer, residential mortgage and small business portfolios are based on a three year historical average of actual loss experience.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company uses a comprehensive methodology and procedural discipline to maintain an ALL to absorb inherent losses in the loan portfolio. The Company believes this is a critical accounting policy since it involves significant estimates and judgments. The allowance consists of three elements: 1) an allowance established on specifically identified problem loans, 2) formula driven general reserves established for loan categories based upon historical loss experience and other qualitative factors which include delinquency, non-performing and TDR loans, loan trends, economic trends, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies, and trends in policy, financial information, and documentation exceptions, and 3) a general risk reserve which provides support for variance from our assessment of the previously listed qualitative factors, provides protection against credit risks resulting from other inherent risk factors contained in the Company&#39;s loan portfolio, and recognizes the model and estimation risk associated with the specific and formula driven allowances. The qualitative factors used in the formula driven general reserves are evaluated quarterly (and revised if necessary) by the Company&#39;s management to establish allocations which accommodate each of the listed risk factors.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> "Pass" rated credits are segregated from "Criticized" and "Classified" credits for the application of qualitative factors.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Management reviews the loan portfolio on a quarterly basis using a defined, consistently applied process in order to make appropriate and timely adjustments to the ALL. When information confirms all or part of specific loans to be uncollectible, these amounts are promptly charged off against the ALL.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForCreditLossesTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForCreditLossesTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>113
<FILENAME>R14.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract', window );"><strong>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr', window );">NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR)</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 6.&nbsp;&nbsp;NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS<br /> &nbsp;&nbsp;&nbsp;&nbsp;(TDR)</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Non-performing assets are comprised of (i) loans which are on a non-accrual basis, (ii) loans which are contractually past due 90 days or more as to interest or principal payments, (iii) performing loans classified as troubled debt restructuring and (iv) other real estate owned (real estate acquired through foreclosure, in-substance foreclosures and repossessed assets).</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following tables present information concerning non-performing assets including TDR:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS, EXCEPT PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Non-accrual loans:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,632</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,623</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,239</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,191</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>2,871</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 5,814</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other real estate owned:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>344</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,101</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>673</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 127</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,017</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,228</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total restructured loans not in non-accrual (TDR)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>221</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 182</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total non-performing assets including TDR</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>4,109</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 7,224</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total non-performing assets as a percent of loans, net of unearned income, and other real estate owned</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.52%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1.00</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company had no loans past due 90 days or more for the periods presented which were accruing interest.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Consistent with accounting and regulatory guidance, the Bank recognizes a TDR when the Bank, for economic or legal reasons related to a borrower&#39;s financial difficulties, grants a concession to the borrower that would not normally be considered. Regardless of the form of concession granted, the Bank&#39;s objective in offering a troubled debt restructure is to increase the probability of repayment of the borrower&#39;s loan.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> To be considered a TDR, both of the following criteria must be met:</p> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 24px; TEXT-ALIGN: left">&bull;</td> <td style="TEXT-ALIGN: left">the borrower must be experiencing financial difficulties; and</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 24px; TEXT-ALIGN: left">&bull;</td> <td style="TEXT-ALIGN: left">the Bank, for economic or legal reasons related to the borrower&#39;s financial difficulties, grants a concession to the borrower that would not otherwise be considered.</td> </tr> </table> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Factors that indicate a borrower is experiencing financial difficulties include, but are not limited to:</p> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 24px; TEXT-ALIGN: left">&bull;</td> <td style="TEXT-ALIGN: left">the borrower is currently in default on their loan(s);</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 24px; TEXT-ALIGN: left">&bull;</td> <td style="TEXT-ALIGN: left">the borrower has filed for bankruptcy;</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 24px; TEXT-ALIGN: left">&bull;</td> <td style="TEXT-ALIGN: left">the borrower has insufficient cash flows to service their loan(s); <u>and</u> </td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 24px; TEXT-ALIGN: left">&bull;</td> <td style="TEXT-ALIGN: left">the borrower is unable to obtain refinancing from other sources at a market rate similar to rates available to a non-troubled debtor.</td> </tr> </table> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Factors that indicate that a concession has been granted include, but are not limited to:</p> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 24px; TEXT-ALIGN: left">&bull;</td> <td style="TEXT-ALIGN: left">the borrower is granted an interest rate reduction to a level below market rates for debt with similar risk; <u>or</u> </td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 24px; TEXT-ALIGN: left">&bull;</td> <td style="TEXT-ALIGN: left">the borrower is granted a material maturity date extension, or extension of the amortization plan to provide payment relief. For purposes of this policy, a material maturity date extension will generally include any maturity date extension, or the aggregate of multiple consecutive maturity date extensions, that exceed 120 days. A restructuring that results in an insignificant delay in payment, i.e. 120 days or less, is not necessarily a TDR. Insignificant payment delays occur when the amount of the restructured payments subject to the delay is insignificant relative to the unpaid principal or collateral value, and will result in an insignificant shortfall in the originally scheduled contractual amount due, and/or the delay in timing of the restructured payment period is insignificant relative to the frequency of payments, the original maturity or the original amortization.</td> </tr> </table> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The determination of whether a restructured loan is a TDR requires consideration of all of the facts and circumstances surrounding the modification. No single factor is determinative of whether a restructuring is a TDR. An overall general decline in the economy or some deterioration in a borrower&#39;s financial condition does not automatically mean that the borrower is experiencing financial difficulty. Accordingly, determination of whether a modification is a TDR involves a large degree of judgment.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Any loan modification where the borrower&#39;s aggregate exposure is at least $250,000 and where the loan currently maintains a criticized or classified risk rating, i.e. Special Mention, Substandard or Doubtful, or where the loan will be assigned a criticized or classified rating after the modification is evaluated to determine the need for TDR classification. The specific ALL reserve for loans modified as TDR&#39;s was $344,000 and $1.5 million as of December 31, 2013 and 2012, respectively.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table details the TDRs at December 31, 2013 (dollars in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> Loans in non-accrual status</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"># of Loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Current Balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Concession Granted</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loan secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">2</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,250</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Extension of maturity date</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> Loans in accrual status</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"># of Loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Current Balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Concession Granted</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loan secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">2</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">161</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Extension of maturity date</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">2</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">61</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Extension of maturity date</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table details the TDRs at December 31, 2012 (dollars in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> Loans in non-accrual status</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"># of Loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Current Balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Concession Granted</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loan secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">4</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,772</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Extension of maturity date</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> Loans in accrual status</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"># of Loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Current Balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Concession Granted</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loan secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">2</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">169</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Extension of maturity date</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">1</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Extension of maturity date</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table details the TDRs at December 31, 2011 (dollars in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> Loans in accrual status</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3"># of Loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Current Balance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Concession Granted</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loan secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">5</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,870</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Extension of maturity date</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> In all instances where loans have been modified in troubled debt restructurings the pre- and post-modified balances are the same.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Once a loan is classified as a TDR, this classification will remain until documented improvement in the financial position of the borrower supports confidence that all principal and interest will be paid according to terms. Additionally, the customer must have re-established a track record of timely payments according to the restructured contract terms for a minimum of six consecutive months prior to consideration for removing the loan from non-accrual TDR status. However, a loan will continue to be on non-accrual status until, consistent with our policy, the borrower has made a minimum of six consecutive payments in accordance with the terms of the loan.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table presents the recorded investment in loans that were modified as TDR&#39;s in the previous 12 months and defaulted during these reporting periods (in thousands).</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">Year ended December 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> <u>Recorded investment of defaults</u><br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Commercial loan secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,480</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 595</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,312</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 30pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,480</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 595</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,312</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> All TDR&#39;s are individually evaluated for impairment and a related allowance is recorded, as needed. All TDR&#39;s which defaulted in the above table had a related allowance adequate to reserve for anticipated losses.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company is unaware of any additional loans which are required to either be charged-off or added to the non-performing asset totals disclosed above. Other real estate owned is recorded at the lower of 1) fair value minus estimated costs to sell, or 2) carrying cost.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table sets forth, for the periods indicated, (1) the gross interest income that would have been recorded if non-accrual loans had been current in accordance with their original terms and had been outstanding throughout the period or since origination if held for part of the period, (2) the amount of interest income actually recorded on such loans, and (3) the net reduction in interest income attributable to such loans.</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest income due in accordance with original terms</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>178</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">231</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">376</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest income recorded</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (167</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net reduction in interest income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>178</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 231</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 209</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_NonperformingAssetsIncludingTroubledDebtRestructuringsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Non-performing Assets Including Troubled Debt Restructurings (TDR).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_NonPerformingAssetsIncludingTroubledDebtRestructuringsTdr</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>114
<FILENAME>R16.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>DEPOSITS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>DEPOSITS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositLiabilitiesDisclosuresTextBlock', window );">DEPOSITS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 8.&nbsp;&nbsp;DEPOSITS</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table sets forth the balance of the Company&#39;s deposits:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Demand:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Non-interest bearing</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>154,002</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 156,223</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Interest bearing</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>84,926</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 61,774</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Savings</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>87,655</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 86,135</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Money market</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>219,801</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 215,870</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Certificates of deposit in denominations of $100,000 or more</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>47,287</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 35,339</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other time</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>260,851</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 280,393</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total deposits</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>854,522</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 835,734</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Interest expense on deposits consisted of the following:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest bearing demand</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>138</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">116</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">153</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Savings</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>139</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">181</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">256</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Money market</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>736</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">895</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,063</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Certificates of deposit in denominations of $100,000 or<br /> more</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>289</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">435</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">637</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other time</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>3,862</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 4,875</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 6,226</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total interest expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>5,164</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 6,502</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 8,335</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table sets forth the balance of other time deposits and certificates of deposit of $100,000 or more as of December 31, 2013 maturing in the periods presented:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> YEAR:</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">OTHER TIME DEPOSITS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CERTIFICATES OF DEPOSIT OF $100,000 OR MORE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2014</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>128,725</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>32,109</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2015</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>42,497</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>13,310</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2016</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>20,033</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,551</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2017</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>11,684</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>217</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2018</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>10,541</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2019 and after</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>47,371</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>100</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>260,851</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>47,287</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The maturities on certificates of deposit greater than $100,000 or more as of December 31, 2013, are as follows:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> MATURING IN:</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Three months or less</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>7,399</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Over three through six months</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>20,763</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Over six through twelve months</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,947</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Over twelve months</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>15,178</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>47,287</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositLiabilitiesDisclosuresTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositLiabilitiesDisclosuresTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>115
<FILENAME>R64.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E5DBG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INVESTMENT SECURITIES (Narrative) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_GainOnSaleOfSecurities', window );">Gross investment gains</a></td>
        <td class="nump">$ 289<span></span></td>
        <td class="nump">$ 12<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LossOnSaleOfSecurities', window );">Gross investment losses</a></td>
        <td class="nump">85<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">358<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax', window );">Realized gain (loss), net of tax</a></td>
        <td class="nump">135<span></span></td>
        <td class="nump">8<span></span></td>
        <td class="num">(236)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax', window );">Income tax effect</a></td>
        <td class="nump">69<span></span></td>
        <td class="nump">4<span></span></td>
        <td class="num">(122)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm', window );">Weighted average expected maturity for investment securities</a></td>
        <td class="text">3 years 6 months 4 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_InvestmentSecuritiesAdditionalTextualAbstract', window );"><strong>Investment Securities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities', window );">Proceeds from sales of investment securities - available for sale</a></td>
        <td class="nump">11,185<span></span></td>
        <td class="nump">4,221<span></span></td>
        <td class="nump">16,518<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings', window );">Book value of securities available for sale and held to maturity</a></td>
        <td class="nump">$ 110,780<span></span></td>
        <td class="nump">$ 94,206<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions', window );">Positions considered temporarily impaired</a></td>
        <td class="nump">60<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Agency [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm', window );">Weighted average expected maturity for available for sale securities</a></td>
        <td class="text">3 years 10 months 2 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Agency mortgage-backed securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm', window );">Weighted average expected maturity for available for sale securities</a></td>
        <td class="text">5 years 26 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm', window );">Weighted average expected maturity for held to maturity securities</a></td>
        <td class="text">6 years 8 months 23 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate bonds [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm', window );">Weighted average expected maturity for available for sale securities</a></td>
        <td class="text">4 years 8 months 23 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate bonds and other securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm', window );">Weighted average expected maturity for held to maturity securities</a></td>
        <td class="text">5 years 9 months 26 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Standard &amp; Poor's, AAA Rating [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PercentageOfInvestmentSecuritiesPortfolioRated', window );">Portfolio rated</a></td>
        <td class="nump">89.00%<span></span></td>
        <td class="nump">92.20%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Standard &amp; Poor's, A Rating [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_invest_InvestmentLineItems', window );"><strong>Investment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_PercentageOfInvestmentSecuritiesPortfolioRated', window );">Portfolio rated</a></td>
        <td class="nump">1.30%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Available For Sale Securities, Debt Maturities, Weighted Average Maturity Term</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageMaturityTerm</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying value of available for sale held to maturity and federal home loan bank.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_CarryingValueOfAvailableForSaleHeldToMaturityAndFederalHomeLoanBankBorrowings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_GainOnSaleOfSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The gain realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_GainOnSaleOfSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Held To Maturity Securities, Weighted Average Maturity Term.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_HeldToMaturitySecuritiesWeightedAverageMaturityTerm</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_InvestmentSecuritiesAdditionalTextualAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_InvestmentSecuritiesAdditionalTextualAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Investment Securities, Debt Maturities, Weighted Average Maturity Term.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_InvestmentSecuritiesDebtMaturitiesWeightedAverageMaturityTerm</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_LossOnSaleOfSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The loss realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_LossOnSaleOfSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_PercentageOfInvestmentSecuritiesPortfolioRated">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of investment securities portfolio rated.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_PercentageOfInvestmentSecuritiesPortfolioRated</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_invest_InvestmentLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>invest_InvestmentLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>invest_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure regarding factors used to determine that the impairment of securities categorized as held-to-maturity where cost exceeds fair value is not an other than temporary impairment (OTTI). This item contains disclosure of the number of investment positions in the held-to-maturity investments determined to be temporarily impaired.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (b)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:decimalItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e689-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax expense (benefit) of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e640-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale of debt and equity securities classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>116
<FILENAME>R120.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E1HBG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>REGULATORY CAPITAL (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalAbstract', window );"><strong>Summarized regulatory capital ratio of company</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TangibleCapitalToTangibleAssets', window );">Tangible common equity ratio</a></td>
        <td class="nump">7.64%<span></span></td>
        <td class="nump">7.78%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consolidated [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalAbstract', window );"><strong>Summarized regulatory capital ratio of company</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Capital', window );">Total Capital (To Risk Weighted Assets), Actual Amount</a></td>
        <td class="nump">$ 128,469<span></span></td>
        <td class="nump">$ 122,583<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalToRiskWeightedAssets', window );">Total Capital (To Risk Weighted Assets), Actual Ratio</a></td>
        <td class="nump">15.28%<span></span></td>
        <td class="nump">15.92%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacy', window );">Total Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Amount</a></td>
        <td class="nump">67,247<span></span></td>
        <td class="nump">61,588<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Total Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Ratio</a></td>
        <td class="nump">8.00%<span></span></td>
        <td class="nump">8.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalized', window );">Total Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount</a></td>
        <td class="nump">84,059<span></span></td>
        <td class="nump">76,985<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Total Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio</a></td>
        <td class="nump">10.00%<span></span></td>
        <td class="nump">10.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapital', window );">Tier 1 Capital (To Risk Weighted Assets), Actual Amount</a></td>
        <td class="nump">117,957<span></span></td>
        <td class="nump">112,916<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 Capital (To Risk Weighted Assets), Actual Ratio</a></td>
        <td class="nump">14.03%<span></span></td>
        <td class="nump">14.67%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">Tier 1 Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Amount</a></td>
        <td class="nump">33,624<span></span></td>
        <td class="nump">30,794<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Tier 1 Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Ratio</a></td>
        <td class="nump">4.00%<span></span></td>
        <td class="nump">4.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized', window );">Tier 1 Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount</a></td>
        <td class="nump">50,435<span></span></td>
        <td class="nump">46,191<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Tier 1 Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio</a></td>
        <td class="nump">6.00%<span></span></td>
        <td class="nump">6.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapital', window );">Tier 1 Capital (To Average Assets), Actual Amount</a></td>
        <td class="nump">117,957<span></span></td>
        <td class="nump">112,916<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Tier 1 Capital (To Average Assets), Actual Ratio</a></td>
        <td class="nump">11.45%<span></span></td>
        <td class="nump">11.44%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Tier 1 Capital (To Average Assets), For Capital Adequacy Purposes Amount</a></td>
        <td class="nump">41,204<span></span></td>
        <td class="nump">39,474<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 Capital (To Average Assets), For Capital Adequacy Purposes Ratio</a></td>
        <td class="nump">4.00%<span></span></td>
        <td class="nump">4.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized', window );">Tier 1 Capital (To Average Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount</a></td>
        <td class="nump">51,505<span></span></td>
        <td class="nump">49,343<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets', window );">Tier 1 Capital (To Average Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio</a></td>
        <td class="nump">5.00%<span></span></td>
        <td class="nump">5.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">AmeriServ Financial Bank [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalAbstract', window );"><strong>Summarized regulatory capital ratio of company</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Capital', window );">Total Capital (To Risk Weighted Assets), Actual Amount</a></td>
        <td class="nump">103,009<span></span></td>
        <td class="nump">101,786<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalToRiskWeightedAssets', window );">Total Capital (To Risk Weighted Assets), Actual Ratio</a></td>
        <td class="nump">12.39%<span></span></td>
        <td class="nump">13.34%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacy', window );">Total Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Amount</a></td>
        <td class="nump">66,506<span></span></td>
        <td class="nump">61,060<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Total Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Ratio</a></td>
        <td class="nump">8.00%<span></span></td>
        <td class="nump">8.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalized', window );">Total Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount</a></td>
        <td class="nump">83,132<span></span></td>
        <td class="nump">76,325<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Total Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio</a></td>
        <td class="nump">10.00%<span></span></td>
        <td class="nump">10.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapital', window );">Tier 1 Capital (To Risk Weighted Assets), Actual Amount</a></td>
        <td class="nump">92,611<span></span></td>
        <td class="nump">92,200<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 Capital (To Risk Weighted Assets), Actual Ratio</a></td>
        <td class="nump">11.14%<span></span></td>
        <td class="nump">12.08%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">Tier 1 Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Amount</a></td>
        <td class="nump">33,253<span></span></td>
        <td class="nump">30,530<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Tier 1 Capital (To Risk Weighted Assets), For Capital Adequacy Purposes Ratio</a></td>
        <td class="nump">4.00%<span></span></td>
        <td class="nump">4.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized', window );">Tier 1 Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount</a></td>
        <td class="nump">49,879<span></span></td>
        <td class="nump">45,795<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Tier 1 Capital (To Risk Weighted Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio</a></td>
        <td class="nump">6.00%<span></span></td>
        <td class="nump">6.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapital', window );">Tier 1 Capital (To Average Assets), Actual Amount</a></td>
        <td class="nump">92,611<span></span></td>
        <td class="nump">92,200<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Tier 1 Capital (To Average Assets), Actual Ratio</a></td>
        <td class="nump">9.23%<span></span></td>
        <td class="nump">9.55%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Tier 1 Capital (To Average Assets), For Capital Adequacy Purposes Amount</a></td>
        <td class="nump">40,124<span></span></td>
        <td class="nump">38,616<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 Capital (To Average Assets), For Capital Adequacy Purposes Ratio</a></td>
        <td class="nump">4.00%<span></span></td>
        <td class="nump">4.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized', window );">Tier 1 Capital (To Average Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Amount</a></td>
        <td class="nump">$ 50,155<span></span></td>
        <td class="nump">$ 48,269<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets', window );">Tier 1 Capital (To Average Assets), To Be Well Capitalized Under Prompt Corrective Action Provisions Ratio</a></td>
        <td class="nump">5.00%<span></span></td>
        <td class="nump">5.00%<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Capital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of total capital as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47304-110998<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47080-110998<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Capital</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredForCapitalAdequacy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Total Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CapitalRequiredForCapitalAdequacy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum Total risk based capital ratio (total capital divided by risk weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958570-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredToBeWellCapitalized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Total Capital required to be categorized as well as capitalized under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CapitalRequiredToBeWellCapitalized</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The Total risk based capital ratio (total capital divided by risk weighted assets) required to be categorized as "well capitalized", in the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalToRiskWeightedAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total Capital divided by risk weighted assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CapitalToRiskWeightedAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TangibleCapitalToTangibleAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tangible Capital divided by Tangible assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TangibleCapitalToTangibleAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 Leverage Capital as defined in the regulations. Also called Core Capital.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneLeverageCapital</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneLeverageCapitalAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Tier 1 Leverage Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Tier 1 Leverage Capital for capital adequacy purposes divided by average assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958570-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Tier 1 Leverage Capital required to be categorized as well capitalized under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Tier 1 Leverage Capital required to be categorized as well capitalized divided by average assets as defined in the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalToAverageAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 Leverage Capital divided by average assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneLeverageCapitalToAverageAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 Risk Based Capital as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneRiskBasedCapital</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Tier 1 Risk Based Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum Tier One Capital Ratio (Tier one capital divided by risk-weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958570-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Tier 1 Risk Based Capital required to be categorized as well capitalized under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The Tier 1 capital ratio (Tier 1 capital divided by risk weighted assets) required to be categorized as "well capitalized" under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 capital divided by risk weighted assets as defined by regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=d3e65071-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7881181&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>117
<FILENAME>R85.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EM2AE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SHORT-TERM BORROWINGS (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ShortTermDebtInstrumentWeightedAverageTerm', window );">Average maturity</a></td>
        <td class="text">1 day<span></span></td>
        <td class="text">1 day<span></span></td>
        <td class="text">3 days<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Federal Funds Purchased [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Balance</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount', window );">Maximum indebtedness at any month end</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtAverageOutstandingAmount', window );">Average balance during year</a></td>
        <td class="nump">959<span></span></td>
        <td class="nump">117<span></span></td>
        <td class="nump">49<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateDuringPeriod', window );">Average rate paid for the year</a></td>
        <td class="nump">0.34%<span></span></td>
        <td class="nump">0.34%<span></span></td>
        <td class="nump">0.32%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtWeightedAverageInterestRate', window );">Interest rate on year end balance</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="nump">0.00%<span></span></td>
        <td class="nump">0.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Short-Term Borrowings [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtLineItems', window );"><strong>Short-term Debt [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Balance</a></td>
        <td class="nump">41,555<span></span></td>
        <td class="nump">15,660<span></span></td>
        <td class="nump">15,765<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount', window );">Maximum indebtedness at any month end</a></td>
        <td class="nump">41,555<span></span></td>
        <td class="nump">19,755<span></span></td>
        <td class="nump">15,765<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShorttermDebtAverageOutstandingAmount', window );">Average balance during year</a></td>
        <td class="nump">$ 16,482<span></span></td>
        <td class="nump">$ 5,225<span></span></td>
        <td class="nump">$ 1,167<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateDuringPeriod', window );">Average rate paid for the year</a></td>
        <td class="nump">0.26%<span></span></td>
        <td class="nump">0.20%<span></span></td>
        <td class="nump">0.51%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermDebtWeightedAverageInterestRate', window );">Interest rate on year end balance</a></td>
        <td class="nump">0.25%<span></span></td>
        <td class="nump">0.25%<span></span></td>
        <td class="nump">0.34%<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ShortTermDebtInstrumentWeightedAverageTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Debt Instrument, Weighted Average Term.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ShortTermDebtInstrumentWeightedAverageTerm</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentInterestRateDuringPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average effective interest rate during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6451184&amp;loc=d3e28551-108399<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22(a)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtInstrumentInterestRateDuringPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the total carrying amount as of the balance sheet date of debt having initial terms less than one year or the normal operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19<br><br> -Subparagraph a<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.(a),16(a)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 16<br><br> -Subparagraph a(1)<br><br> -Article 7<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13<br><br> -Subparagraph 2, 3<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShortTermBorrowings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShorttermDebtAverageOutstandingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For the form of debt having an initial term of less than one year or less than the normal operating cycle, if longer, average borrowings during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShorttermDebtAverageOutstandingAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShortTermDebtLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For the form of debt having an initial term of less than one year or less than the normal operating cycle, if longer, maximum month-end borrowings during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Industry Guide<br><br> -Number 3<br><br> -Section VII<br><br> -Subsection 2<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShortTermDebtWeightedAverageInterestRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average interest rate of short-term debt outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19<br><br> -Subparagraph b<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShortTermDebtWeightedAverageInterestRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>118
<FILENAME>R66.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ETDAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>LOANS (Narative) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableNetAbstract', window );"><strong>LOANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableDeferredIncome', window );">Loan balances net of unearned income</a></td>
        <td class="nump">$ 581<span></span></td>
        <td class="nump">$ 637<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_RealEstateConstructionLoansPercentage', window );">Real estate-construction loans, percentage</a></td>
        <td class="nump">3.00%<span></span></td>
        <td class="nump">2.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableRelatedParties', window );">Related party loans</a></td>
        <td class="nump">$ 853<span></span></td>
        <td class="nump">$ 1,000<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_RealEstateConstructionLoansPercentage">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Real estate-construction loans, percentage.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_RealEstateConstructionLoansPercentage</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsReceivableNetAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsReceivableNetAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableDeferredIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred interest and fee income, unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of acquired loans. Excludes amounts for loans and leases covered under loss sharing agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5074-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10152-111534<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (a)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25496975&amp;loc=d3e45377-112738<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableDeferredIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableRelatedParties">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, reflects the carrying amount of unpaid loan amounts due from related parties at the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 850<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39549-107864<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(e))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph e<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableRelatedParties</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>119
<FILENAME>R102.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EJIAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Components of Net Periodic Benefit Cost) (Details) (Pension Plans, Defined Benefit [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans, Defined Benefit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract', window );"><strong>COMPONENTS OF NET PERIODIC BENEFIT COST:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanServiceCost', window );">Service cost</a></td>
        <td class="nump">$ 1,703<span></span></td>
        <td class="nump">$ 1,593<span></span></td>
        <td class="nump">$ 1,335<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInterestCost', window );">Interest cost</a></td>
        <td class="nump">1,189<span></span></td>
        <td class="nump">1,234<span></span></td>
        <td class="nump">1,198<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets', window );">Expected return on plan assets</a></td>
        <td class="num">(1,775)<span></span></td>
        <td class="num">(1,656)<span></span></td>
        <td class="num">(1,582)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit', window );">Amortization of prior year service cost</a></td>
        <td class="num">(19)<span></span></td>
        <td class="num">(19)<span></span></td>
        <td class="nump">7<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets', window );">Amortization of transition asset</a></td>
        <td class="num">(8)<span></span></td>
        <td class="num">(17)<span></span></td>
        <td class="num">(17)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses', window );">Recognized net actuarial loss</a></td>
        <td class="nump">1,375<span></span></td>
        <td class="nump">1,094<span></span></td>
        <td class="nump">800<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost', window );">Net periodic pension cost</a></td>
        <td class="nump">$ 2,465<span></span></td>
        <td class="nump">$ 2,229<span></span></td>
        <td class="nump">$ 1,741<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of gains or losses recognized in net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the prior service cost or credit recognized in net periodic benefit cost relating to benefit changes attributable to plan participants' prior service pursuant to a plan amendment or a plan initiation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAmortizationOfPriorServiceCostCredit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the transition obligation or asset recognized in net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>An amount calculated as a basis for determining the extent of delayed recognition of the effects of changes in the fair value of assets. The expected return on plan assets is determined based on the expected long-term rate of return on plan assets and the market-related value of plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Glossary Expected Return on Plan Assets<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6512136<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 60<br><br> -Glossary Expected Return on Plan Assets<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6512171<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanInterestCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase in a defined benefit pension plan's projected benefit obligation or a defined benefit postretirement plan's accumulated postretirement benefit obligation due to the passage of time.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanInterestCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of net periodic benefit cost for defined benefit plans for the period. Periodic benefit costs include the following components: service cost, interest cost, expected return on plan assets, gain (loss), prior service cost or credit, transition asset or obligation, and gain (loss) due to settlements or curtailments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanServiceCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The actuarial present value of benefits attributed by the pension benefit formula to services rendered by employees during the period. The portion of the expected postretirement benefit obligation attributed to employee service during the period. The service cost component is a portion of the benefit obligation and is unaffected by the funded status of the plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Service Cost (Component of Net Periodic Pension Cost)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6525008<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanServiceCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>120
<FILENAME>R63.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EU3BG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>INVESTMENT SECURITIES (Schedule of Information Concerning Investments with Unrealized Losses) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Information concerning investments with unrealized losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Investment securities available for sale, Less than 12 months, Fair Value</a></td>
        <td class="nump">$ 53,991<span></span></td>
        <td class="nump">$ 9,031<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, Less than 12 months, Unrealized Losses</a></td>
        <td class="num">(1,503)<span></span></td>
        <td class="num">(118)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Investment securities available for sale, 12 months or longer, Fair Value</a></td>
        <td class="nump">3,570<span></span></td>
        <td class="nump">349<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, 12 months or longer, Unrealized Losses</a></td>
        <td class="num">(102)<span></span></td>
        <td class="num">(2)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Investment securities available for sale, Total, Fair Value</a></td>
        <td class="nump">57,561<span></span></td>
        <td class="nump">9,380<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Losses</a></td>
        <td class="num">(1,605)<span></span></td>
        <td class="num">(120)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Investment securities held to maturity, Less than 12 months, Fair Value</a></td>
        <td class="nump">12,562<span></span></td>
        <td class="nump">965<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Investment securities held to maturity, Less than 12 months, Unrealized Losses</a></td>
        <td class="num">(682)<span></span></td>
        <td class="num">(35)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Investment securities held to maturity, 12 months or longer, Fair Value</a></td>
        <td class="nump">994<span></span></td>
        <td class="nump">1,981<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Investment securities held to maturity, 12 months or longer, Unrealized Losses</a></td>
        <td class="num">(6)<span></span></td>
        <td class="num">(20)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue', window );">Investment securities held to maturity, Total Fair Value</a></td>
        <td class="nump">13,556<span></span></td>
        <td class="nump">2,946<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss', window );">Investment securities held to maturity, Total Unrealized Losses</a></td>
        <td class="num">(688)<span></span></td>
        <td class="num">(55)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Agency [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Information concerning investments with unrealized losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Investment securities available for sale, Less than 12 months, Fair Value</a></td>
        <td class="nump">3,812<span></span></td>
        <td class="nump">993<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, Less than 12 months, Unrealized Losses</a></td>
        <td class="num">(64)<span></span></td>
        <td class="num">(7)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Investment securities available for sale, 12 months or longer, Fair Value</a></td>
        <td class="nump">938<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, 12 months or longer, Unrealized Losses</a></td>
        <td class="num">(62)<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Investment securities available for sale, Total, Fair Value</a></td>
        <td class="nump">4,750<span></span></td>
        <td class="nump">993<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Losses</a></td>
        <td class="num">(126)<span></span></td>
        <td class="num">(7)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Agency mortgage-backed securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Information concerning investments with unrealized losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Investment securities available for sale, Less than 12 months, Fair Value</a></td>
        <td class="nump">43,402<span></span></td>
        <td class="nump">1,140<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, Less than 12 months, Unrealized Losses</a></td>
        <td class="num">(1,224)<span></span></td>
        <td class="num">(8)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Investment securities available for sale, 12 months or longer, Fair Value</a></td>
        <td class="nump">669<span></span></td>
        <td class="nump">349<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, 12 months or longer, Unrealized Losses</a></td>
        <td class="num">(3)<span></span></td>
        <td class="num">(2)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Investment securities available for sale, Total, Fair Value</a></td>
        <td class="nump">44,071<span></span></td>
        <td class="nump">1,489<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Losses</a></td>
        <td class="num">(1,227)<span></span></td>
        <td class="num">(10)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Investment securities held to maturity, Less than 12 months, Fair Value</a></td>
        <td class="nump">8,761<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Investment securities held to maturity, Less than 12 months, Unrealized Losses</a></td>
        <td class="num">(477)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Investment securities held to maturity, 12 months or longer, Fair Value</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Investment securities held to maturity, 12 months or longer, Unrealized Losses</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue', window );">Investment securities held to maturity, Total Fair Value</a></td>
        <td class="nump">8,761<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss', window );">Investment securities held to maturity, Total Unrealized Losses</a></td>
        <td class="num">(477)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate bonds [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Information concerning investments with unrealized losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Investment securities available for sale, Less than 12 months, Fair Value</a></td>
        <td class="nump">6,777<span></span></td>
        <td class="nump">6,898<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, Less than 12 months, Unrealized Losses</a></td>
        <td class="num">(215)<span></span></td>
        <td class="num">(103)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Investment securities available for sale, 12 months or longer, Fair Value</a></td>
        <td class="nump">1,963<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, 12 months or longer, Unrealized Losses</a></td>
        <td class="num">(37)<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Investment securities available for sale, Total, Fair Value</a></td>
        <td class="nump">8,740<span></span></td>
        <td class="nump">6,898<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI', window );">Investment securities available for sale, Gross Unrealized Losses</a></td>
        <td class="num">(252)<span></span></td>
        <td class="num">(103)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate bonds and other securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract', window );"><strong>Information concerning investments with unrealized losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Investment securities held to maturity, Less than 12 months, Fair Value</a></td>
        <td class="nump">3,801<span></span></td>
        <td class="nump">965<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Investment securities held to maturity, Less than 12 months, Unrealized Losses</a></td>
        <td class="num">(205)<span></span></td>
        <td class="num">(35)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">Investment securities held to maturity, 12 months or longer, Fair Value</a></td>
        <td class="nump">994<span></span></td>
        <td class="nump">1,981<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Investment securities held to maturity, 12 months or longer, Unrealized Losses</a></td>
        <td class="num">(6)<span></span></td>
        <td class="num">(20)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue', window );">Investment securities held to maturity, Total Fair Value</a></td>
        <td class="nump">4,795<span></span></td>
        <td class="nump">2,946<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss', window );">Investment securities held to maturity, Total Unrealized Losses</a></td>
        <td class="num">$ (211)<span></span></td>
        <td class="num">$ (55)<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of accumulated pre-tax unrealized loss on securities classified as available-for-sale that have been in a loss position for twelve months or longer recognized in Accumulated Other Comprehensive Income (AOCI).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInAOCI</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of accumulated pre-tax unrealized loss on securities classified as available-for-sale recognized in Accumulated Other Comprehensive Income (AOCI).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInAOCI</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of accumulated pre-tax unrealized loss on investments in available-for-sale securities that have been in a loss position for less than twelve months recognized in Accumulated Other COmprehensive Income (AOCI).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInAOCI</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of accumulated pre-tax unrealized loss on investments in held-to-maturity securities that have been in a loss position for twelve months or longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of accumulated unrealized loss on investments in debt securities classified as held-to-maturity in a continuous loss position.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the excess of amortized cost basis over fair value of securities that have been in a loss position for less than twelve months for those securities which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of investments in debt and equity securities in an unrealized loss position which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for less than twelve months.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27337-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for twelve months or longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27337-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the fair value of securities categorized as held-to-maturity which are in an unrealized loss position.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the fair value of securities categorized as held-to-maturity that have been in a continuous unrealized loss position for less than twelve months.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27337-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the fair value of securities categorized as held-to-maturity securities that have been in a continuous unrealized loss position for twelve months or longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27337-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>121
<FILENAME>R92.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EKTAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INCOME TAXES (Schedule of Expense for Income Taxes) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2013</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2012</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2012</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>INCOME TAXES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentIncomeTaxExpenseBenefit', window );">Current</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 139<span></span></td>
        <td class="nump">$ 140<span></span></td>
        <td class="nump">$ 95<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Deferred</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,150<span></span></td>
        <td class="nump">2,101<span></span></td>
        <td class="nump">2,758<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
        <td class="nump">$ 878<span></span></td>
        <td class="nump">$ 547<span></span></td>
        <td class="nump">$ 434<span></span></td>
        <td class="nump">$ 430<span></span></td>
        <td class="nump">$ 311<span></span></td>
        <td class="nump">$ 597<span></span></td>
        <td class="nump">$ 655<span></span></td>
        <td class="nump">$ 678<span></span></td>
        <td class="nump">$ 2,289<span></span></td>
        <td class="nump">$ 2,241<span></span></td>
        <td class="nump">$ 2,853<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CurrentIncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of current income tax expense (benefit) pertaining to taxable income (loss) from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Current Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6509736<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section I<br><br> -Subsection 7<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CurrentIncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section I<br><br> -Subsection 7<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Deferred Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510177<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredIncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>122
<FILENAME>R34.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E1JAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policy)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock', window );">BUSINESS AND NATURE OF OPERATIONS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> BUSINESS AND NATURE OF OPERATIONS:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> AmeriServ Financial, Inc. (the Company) is a bank holding company, headquartered in Johnstown, Pennsylvania. Through its banking subsidiary the Company operates 18 banking locations in five southwestern Pennsylvania counties. These branches provide a full range of consumer, mortgage, and commercial financial products. The AmeriServ Trust and Financial Services Company (Trust Company) offers a complete range of trust and financial services and administers assets valued at approximately $1.7 billion that are not recognized on the Company&#39;s Consolidated Balance Sheet at December 31, 2013.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConsolidationPolicyTextBlock', window );">PRINCIPLES OF CONSOLIDATION</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> PRINCIPLES OF CONSOLIDATION:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The consolidated financial statements include the accounts of AmeriServ Financial, Inc. and its wholly-owned subsidiaries, AmeriServ Financial Bank (the Bank), Trust Company, and AmeriServ Life Insurance Company (AmeriServ Life). The Bank is a state-chartered full service bank with 18 locations in Pennsylvania. AmeriServ Life is a captive insurance company that engages in underwriting as a reinsurer of credit life and disability insurance.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Intercompany accounts and transactions have been eliminated in preparing the Consolidated Financial Statements. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (generally accepted accounting principles, or GAAP) requires management to make estimates and assumptions that affect the amounts reported in the Consolidated Financial Statements and accompanying notes. Actual results may differ from these estimates and the differences may be material to the Consolidated Financial Statements. The Company&#39;s most significant estimates relate to the allowance for loan losses, goodwill, income taxes and investment securities.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentPolicyTextBlock', window );">INVESTMENT SECURITIES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> INVESTMENT SECURITIES:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Securities are classified at the time of purchase as investment securities held to maturity if it is management&#39;s intent and the Company has the ability to hold the securities until maturity. These held to maturity securities are carried on the Company&#39;s books at cost, adjusted for amortization of premium and accretion of discount which is computed using the level yield method which approximates the effective interest method. Alternatively, securities are classified as available for sale if it is management&#39;s intent at the time of purchase to hold the securities for an indefinite period of time and/or to use the securities as part of the Company&#39;s asset/liability management strategy. Securities classified as available for sale include securities which may be sold to effectively manage interest rate risk exposure, prepayment risk, and other factors (such as liquidity requirements). These available for sale securities are reported at fair value with unrealized aggregate appreciation/depreciation excluded from income and credited/charged to accumulated other comprehensive income/loss within stockholders&#39; equity on a net of tax basis. Any securities classified as trading assets are reported at fair value with unrealized aggregate appreciation/depreciation included in income on a net of tax basis. The Company does not engage in trading activity.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Realized gains or losses on securities sold are computed upon the adjusted cost of the specific securities sold. Available-for-sale and held-to-maturity securities are reviewed quarterly for possible other-than-temporary impairment. The review includes an analysis of the facts and circumstances of each individual investment such as the severity of loss, the length of time the fair value has been below cost, the expectation for that security&#39;s performance, the creditworthiness of the issuer and the Company&#39;s intent and ability to hold the security to recovery. The Company believes the unrealized losses are primarily a result of increases in market yields from the time of purchase. In general, as market yields rise, the value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. Management has also concluded that based on current information we expect to continue to receive scheduled interest payments as well as the entire principal balance. Furthermore, management does not intend to sell these securities and does not believe it will be required to sell these securities before they recover in value.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock', window );">FEDERAL HOME LOAN BANK STOCK</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> FEDERAL HOME LOAN BANK STOCK:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Bank is a member of the Federal Home Loan Bank of Pittsburgh (FHLB) and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. The stock is bought from and sold to the FHLB based upon its $100 par value. The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated for by management. The stock&#39;s value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time any such situation has persisted (b) Commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) The impact of legislative and regulatory changes on the customer base of FHLB and (d) The liquidity position of the FHLB. Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy', window );">LOANS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> LOANS:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Interest income is recognized using the level yield method related to principal amounts outstanding. The Company discontinues the accrual of interest income when loans become 90 days past due in either principal or interest. In addition, if circumstances warrant, the accrual of interest may be discontinued prior to 90 days. Payments received on non-accrual loans are credited to principal until full recovery of principal has been recognized; or the loan has been returned to accrual status. The only exception to this policy is for residential mortgage loans wherein interest income is recognized on a cash basis as payments are received. A non-accrual commercial loan is placed on accrual status after becoming current and remaining current for twelve consecutive payments. Residential mortgage loans are placed on accrual status upon becoming current.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy', window );">LOAN FEES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> LOAN FEES:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Loan origination and commitment fees, net of associated direct costs, are deferred and amortized into interest and fees on loans over the loan or commitment period. Fee amortization is determined by the effective interest method.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy', window );">LOANS HELD FOR SALE</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> LOANS HELD FOR SALE:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Certain newly originated fixed-rate residential mortgage loans are classified as held for sale, because it is management&#39;s intent to sell these residential mortgage loans. The residential mortgage loans held for sale are carried at the lower of aggregate cost or market value.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueTransferPolicyPolicyTextBlock', window );">TRANSFERS OF FINANCIAL ASSETS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> TRANSFERS OF FINANCIAL ASSETS</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company; (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets; and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock', window );">PREMISES AND EQUIPMENT</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> PREMISES AND EQUIPMENT:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Premises and equipment are stated at cost less accumulated depreciation and amortization. Land is carried at cost. Depreciation is charged to operations over the estimated useful lives of the premises and equipment using the straight-line method with a half-year convention. Useful lives of up to 30 years for buildings and up to 10 years for equipment are utilized. Leasehold improvements are amortized using the straight-line method over the terms of the respective leases or useful lives of the improvements, whichever is shorter. Maintenance, repairs, and minor alterations are charged to current operations as expenditures are incurred.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy', window );">ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> ALLOWANCE FOR LOAN LOSSES AND CHARGE-OFF PROCEDURES:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> As a financial institution, which assumes lending and credit risks as a principal element of its business, the Company anticipates that credit losses will be experienced in the normal course of business. Accordingly, the Company consistently applies a comprehensive methodology and procedural discipline to perform an analysis which is updated on a quarterly basis at the Bank level to determine both the adequacy of the allowance for loan losses and the necessary provision for loan losses to be charged against earnings. This methodology includes:</p> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">-</td> <td style="TEXT-ALIGN: left">Review of all criticized, classified and impaired loans with aggregate balances over $250,000 to determine if any specific reserve allocations are required on an individual loan basis. The specific reserve allocations established for these criticized, classified and impaired loans are based on careful analysis of the loan&#39;s performance, the related collateral value, cash flow considerations and the financial capability of any guarantor. All loans classified as doubtful or worse are specifically reserved. For impaired loans the measurement of impairment may be based upon: 1) the present value of expected future cash flows discounted at the loan&#39;s effective interest rate; 2) the observable market price of the impaired loan; or 3) the fair value of the collateral of a collateral dependent loan.</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">-</td> <td style="TEXT-ALIGN: left">The application of formula driven reserve allocations for all commercial and commercial real-estate loans by using a three-year migration analysis of net losses incurred within each risk grade for the entire commercial loan portfolio. The difference between estimated and actual losses is reconciled through the nature of the migration analysis.</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">-</td> <td style="TEXT-ALIGN: left">The application of formula driven reserve allocations to consumer and residential mortgage loans which are based upon historical net charge-off experience for those loan types. The residential mortgage loan and consumer loan allocations are based upon the Company&#39;s three-year historical average of actual loan net charge-offs experienced in each of those categories.</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">-</td> <td style="TEXT-ALIGN: left">The application of formula driven reserve allocations to all outstanding loans is based upon review of historical losses and qualitative factors, which include but are not limited to, economic trends, delinquencies, levels of non-accrual and TDR loans, concentrations of credit, trends in loan volume, experience and depth of management, examination and audit results, effects of any changes in lending policies and trends in policy, financial information and documentation exceptions.</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 21px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">-</td> <td style="TEXT-ALIGN: left">Management recognizes that there may be events or economic factors that have occurred affecting specific borrowers or segments of borrowers that may not yet be fully reflected in the information that the Company uses for arriving at reserves for a specific loan or portfolio segment. Therefore, the Company believes that there is estimation risk associated with the use of specific and formula driven allowances.</td> </tr> </table> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> After completion of this process, a formal meeting of the Loan Loss Reserve Committee is held to evaluate the adequacy of the reserve.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> When it is determined that the prospects for recovery of the principal of a loan have significantly diminished, the loan is charged against the allowance account; subsequent recoveries, if any, are credited to the allowance account. In addition, non-accrual and large delinquent loans are reviewed monthly to determine potential losses.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company&#39;s policy is to individually review, as circumstances warrant, its commercial and commercial mortgage loans to determine if a loan is impaired. At a minimum, credit reviews are mandatory for all commercial and commercial mortgage loan relationships with aggregate balances in excess of $250,000 within a 12-month period. The Company defines classified loans as those loans rated substandard or doubtful. The Company has also identified three pools of small dollar value homogeneous loans which are evaluated collectively for impairment. These separate pools are for small business relationships with aggregate balances of $250,000 or less, residential mortgage loans and consumer loans. Individual loans within these pools are reviewed and evaluated for specific impairment if factors such as significant delinquency in payments of 90 days or more, bankruptcy, or other negative economic concerns indicate impairment.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock', window );">ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> ALLOWANCE FOR UNFUNDED LOAN COMMITMENTS AND LETTERS OF CREDIT:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The allowance for unfunded loan commitments and letters of credit is maintained at a level believed by management to be sufficient to absorb estimated losses related to these unfunded credit facilities. The determination of the adequacy of the allowance is based on periodic evaluations of the unfunded credit facilities including an assessment of the probability of commitment usage, credit risk factors for loans outstanding to these same customers and the terms and expiration dates of the unfunded credit facilities. Net adjustments to the allowance for unfunded loan commitments and letters of credit are provided for in the unfunded commitment reserve expense line item within other expense in the Consolidated Statements of Operations and a separate reserve is recorded within the other liabilities section of the Consolidated Balance Sheets in other liabilities.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenueRecognitionServicesManagementFees', window );">TRUST FEES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> TRUST FEES:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Trust fees are recorded on the cash basis which approximates the accrual basis for such income.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LifeSettlementContractsPolicy', window );">BANK-OWNED LIFE INSURANCE</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> BANK-OWNED LIFE INSURANCE:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company has purchased life insurance policies on certain employees. These policies are recorded on the Consolidated Balance Sheets at their cash surrender value, or the amount that can be realized. Income from these policies and changes in the cash surrender value are recorded in bank owned life insurance within non-interest income.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock', window );">INTANGIBLE ASSETS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> INTANGIBLE ASSETS:</h5> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> Goodwill</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Goodwill arising from business combinations represents the value attributable to unidentifiable intangible elements in the business acquired. The Company accounts for goodwill using a two-step process for testing the impairment of goodwill on at least an annual basis. This approach could cause more volatility in the Company&#39;s reported net income because impairment losses, if any, could occur irregularly and in varying amounts. The Company performs an annual impairment analysis of goodwill.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerSharePolicyTextBlock', window );">EARNINGS PER COMMON SHARE</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> EARNINGS PER COMMON SHARE:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Basic earnings per share include only the weighted average common shares outstanding. Diluted earnings per share include the weighted average common shares outstanding and any potentially dilutive common stock equivalent shares in the calculation. Treasury shares are treated as retired for earnings per share purposes. Options and warrant to purchase 103,570, 49,842, and 185,917 shares of common stock were outstanding during 2013, 2012 and 2011, respectively, but were not included in the computation of diluted earnings per common share because to do so would be anti-dilutive. Exercise prices of anti-dilutive options and warrant to purchase common stock outstanding were $3.05&nbsp;-&nbsp;$5.75, $2.80&nbsp;-&nbsp;$5.75, and $2.07&nbsp;-&nbsp;$6.10 during 2013, 2012 and 2011, respectively. Dividends on preferred shares are deducted from net income in the calculation of earnings per common share.</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">Year ended December 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(In thousands, except per share data)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Numerator:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>5,193</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 5,039</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,537</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Preferred stock dividends and accretion of preferred stock discount</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>209</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 828</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,385</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net income available to common shareholders</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>4,984</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,211</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 5,152</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Denominator:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Weighted average common shares outstanding (basic)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>18,942</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 19,685</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 21,184</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Effect of stock options/warrants</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>92</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 62</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 21</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Weighted average common shares outstanding (diluted)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>19,034</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 19,747</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 21,205</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Earnings per common share:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Basic</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.26</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.21</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.24</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Diluted</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.26</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.21</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.24</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy', window );">STOCK-BASED COMPENSATION</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> STOCK-BASED COMPENSATION:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company uses the modified prospective method for accounting of stock-based compensation. The Company recognized $82,000, $38,000 and $15,000 of pretax compensation expense for the years 2013, 2012 and 2011. The fair value of each option grant is estimated on the grant date using the Black-Scholes option pricing model. See Note 18 for details on the assumptions used.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomePolicyPolicyTextBlock', window );">ACCUMULATED OTHER COMPREHENSIVE LOSS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> ACCUMULATED OTHER COMPREHENSIVE LOSS:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company presents the components of other comprehensive income (loss) in the Consolidated Statements of Comprehensive Income. These components are comprised of the change in the defined benefit pension obligation and the unrealized holding gains (losses) on available for sale securities, net of any reclassification adjustments for realized gains and losses.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table sets forth the components of accumulated other comprehensive loss, net of tax:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Pension obligation for defined benefit plan</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(6,918)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (9,520</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Unrealized holding gains on available for sale securities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,043</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 4,141</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total accumulated other comprehensive loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(5,875)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (5,379</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPolicyTextBlock', window );">CONSOLIDATED STATEMENT OF CASH FLOWS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> CONSOLIDATED STATEMENT OF CASH FLOWS:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> On a consolidated basis, cash and cash equivalents include cash and due from depository institutions, interest bearing deposits, and short-term investments in money market funds. The Company made $137,000 in income tax payments in 2013; $142,000 in 2012; and $97,000 in 2011. The Company had non-cash transfers to other real estate owned (OREO) in the amounts of $766,000 in 2013; $1,266,000 in 2012; and $169,000 in 2011. The Company made total interest payments of $6,781,000 in 2013; $8,154,000 in 2012; and $10,699,000 in 2011.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxPolicyTextBlock', window );">INCOME TAXES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> INCOME TAXES:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Deferred tax assets or liabilities are computed based on the difference between the financial statement and income tax basis of assets and liabilities using the enacted marginal tax rate. Deferred income tax expenses or credits are based on the changes in the corresponding asset or liability from period to period. Deferred tax assets are reduced, if necessary, by the amounts of such benefits that are not expected to be realized based upon available evidence.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativesPolicyTextBlock', window );">INTEREST RATE CONTRACTS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> INTEREST RATE CONTRACTS:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company recognizes all derivatives as either assets or liabilities on the Consolidated Balance Sheets and measures those instruments at fair value. For derivatives designated as fair value hedges, changes in the fair value of the derivative and hedged item related to the hedged risk are recognized in earnings. Changes in fair value of derivatives designated and accounted as cash flow hedges, to the extent they are effective as hedges, are recorded in "Other Comprehensive Income," net of deferred taxes and are subsequently reclassified to earnings when the hedged transaction affects earnings. Any hedge ineffectiveness would be recognized in the income statement line item pertaining to the hedged item.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company periodically enters into derivative instruments to meet the financing, interest rate and equity risk management needs of its customers. Upon entering into these instruments to meet customer needs, the Company enters into offsetting positions to minimize interest rate and equity risk to the Company. These derivative financial instruments are reported at fair value with any resulting gain or loss recorded in current period earnings. These instruments and their offsetting positions are recorded in other assets and other liabilities on the Consolidated Balance Sheets.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock', window );">RECENT ACCOUNTING STANDARDS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h5 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> RECENT ACCOUNTING STANDARDS:</h5> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> In July 2013, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2013-11, <em>Income Taxes (Topic 740): Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists.</em> This Update applies to all entities that have unrecognized tax benefits when a net operating loss carryforward, a similar tax loss, or a tax credit carryforward exists at the reporting date. An unrecognized tax benefit, or a portion of an unrecognized tax benefit, should be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except as follows. To the extent a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date under the tax law of the applicable jurisdiction to settle any additional income taxes that would result from the disallowance of a tax position or the tax law of the applicable jurisdiction does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose, the unrecognized tax benefit should be presented in the financial statements as a liability and should not be combined with deferred tax assets. The assessment of whether a deferred tax asset is available is based on the unrecognized tax benefit and deferred tax asset that exist at the reporting date and should be made presuming disallowance of the tax position at the reporting date. The amendments in this Update are effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. Early adoption is permitted. The amendments should be applied prospectively to all unrecognized tax benefits that exist at the effective date. Retrospective application is permitted. This ASU did not have a significant impact on the Company&#39;s financial statements.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> In January 2014, the FASB issued ASU 2014-04, <em>Receivables&nbsp;-&nbsp;Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.</em> The amendments in this Update clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments in this Update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014. An entity can elect to adopt the amendments in this Update using either a modified retrospective transition method or a prospective transition method. This ASU is not expected to have a significant impact on the Company&#39;s financial statements.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Business And Nature Of Operations, Policy [Policy Text Block].</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_BusinessAndNatureOfOperationsPolicyPolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Federal Home Loan Bank Stock, Policy [Policy Text Block].</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_FederalHomeLoanBankStockPolicyPolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountingPoliciesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for cash and cash equivalents, including the policy for determining which items are treated as cash equivalents. Other information that may be disclosed includes (1) the nature of any restrictions on the entity's use of its cash and cash equivalents, (2) whether the entity's cash and cash equivalents are insured or expose the entity to credit risk, (3) the classification of any negative balance accounts (overdrafts), and (4) the carrying basis of cash equivalents (for example, at cost) and whether the carrying amount of cash equivalents approximates fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 305<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2122427<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4273-108586<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Financial Reporting Release (FRR)<br><br> -Number 203<br><br> -Paragraph 02-03<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsPolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomePolicyPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for comprehensive income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComprehensiveIncomePolicyPolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ConsolidationPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy regarding (1) the principles it follows in consolidating or combining the separate financial statements, including the principles followed in determining the inclusion or exclusion of subsidiaries or other entities in the consolidated or combined financial statements and (2) its treatment of interests (for example, common stock, a partnership interest or other means of exerting influence) in other entities, for example consolidation or use of the equity or cost methods of accounting.  The accounting policy may also address the accounting treatment for intercompany accounts and transactions, noncontrolling interest, and the income statement treatment in consolidation for issuances of stock by a subsidiary.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02, 03<br><br> -Article 3A<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197480<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 40<br><br> -Section 45<br><br> -URI http://asc.fasb.org/section&amp;trid=2197723<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 323<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2196966<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 325<br><br> -SubTopic 20<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197087<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.3A-02)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27015204&amp;loc=d3e355033-122828<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 323<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=16385135&amp;loc=d3e33801-111570<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=d3e5614-111684<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph k<br><br> -Article 1<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ConsolidationPolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativesPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for its derivative instruments and hedging activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41620-113959<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5579245-113959<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=SL5579240-113959<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41638-113959<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(n))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph n<br><br> -Article 4<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7476318&amp;loc=d3e41675-113959<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativesPolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerSharePolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for computing basic and diluted earnings or loss per share for each class of common stock and participating security. Addresses all significant policy factors, including any antidilutive items that have been excluded from the computation and takes into account stock dividends, splits and reverse splits that occur after the balance sheet date of the latest reporting period but before the issuance of the financial statements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2144384<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3630-109257<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerSharePolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueTransferPolicyPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for determining when transfers between levels are recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25499696&amp;loc=d3e19207-110258<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (bb)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=25499696&amp;loc=d3e19207-110258<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueTransferPolicyPolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Describes an entity's accounting policy and methodology for estimating its allowance for loan and lease losses, and its accounting policy for nonperforming loans. The description identifies the factors that influenced management of the entity in establishing the level of the allowance (for example, historical losses and existing economic conditions) and also may include discussion of the risk elements relevant to particular categories of receivables. The disclosure also may describe any liability the entity has recorded for off-balance sheet credit losses and may include the basis for determining each element of the allowance for loan and lease losses. The disclosure also could discuss the entity's policy for (1) placing loans on nonaccrual status (or discontinuing accrual of interest) and recording payments received on nonaccrual loans, and the policy for resuming accrual of interest, (2) charging-off uncollectible loans, and (3) determining past due or delinquency status (that is, whether past due status is based on how recently payments have been received or contractual terms).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 4<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5144-111524<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5093-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentAllowanceAndNonperformingLoansPolicy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for those finance, loan and lease receivables classified as held for investment. This disclosure may include (1) the basis at which such receivables are carried in the entity's statements of financial position (2) how the level of the allowance for loan and lease losses is determined (3) when impairments, charge-offs or recoveries are recognized for such receivables (4) the treatment of commitment and other fees and loan origination costs (including, if applicable, how the entity accounts for fees and costs associated with credit cards that are either purchased or originated) (5) the treatment of any premiums or discounts or unearned income (6) the entity's income recognition policies for such receivables, including those that are impaired, past due or placed on nonaccrual status (for impaired loans, the policy for recognizing interest income on such loans, including how cash receipts are recorded) and (7) the treatment of foreclosures or repossessions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5144-111524<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10133-111534<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5212-111524<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5093-111524<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3-5<br><br> -Article 5<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5033-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for those finance, loan and lease receivables classified as held for sale. This disclosure may include how the entity determines when to classify a loan or receivable as held for sale, the basis at which such receivables are carried in the entity's statements of financial position, how such receivables are valued, the method used to determine the lower of cost or fair value (that is, on an aggregate or individual asset basis), the treatment of commitment and other fees and origination costs, and how transfers to and from the held for investment portfolio are accounted for.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5144-111524<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10133-111534<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5093-111524<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5033-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for goodwill and intangible assets. This accounting policy also may address how an entity assesses and measures impairment of goodwill and intangible assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2144439<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2144471<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for income taxes, which may include its accounting policies for recognizing and measuring deferred tax assets and liabilities and related valuation allowances, recognizing investment tax credits, operating loss carryforwards, tax credit carryforwards, and other carryforwards, methodologies for determining its effective income tax rate and the characterization of interest and penalties in the financial statements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2144681<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 30<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2144749<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32840-109319<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 954<br><br> -SubTopic 740<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6491622&amp;loc=d3e9504-115650<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 17<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32809-109319<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21917399&amp;loc=d3e32247-109318<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=21917399&amp;loc=d3e32280-109318<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxPolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for investments in financial assets, including marketable securities (debt and equity securities with readily determinable fair values), investments accounted for under the equity method and cost method, securities borrowed and loaned, and repurchase and resale agreements. For marketable securities, the disclosure may include the entity's accounting treatment for transfers between investment categories and how the fair values for such securities are determined. Also, for all investments, an entity may describe its policy for assessing, recognizing and measuring impairment of the investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 325<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872867&amp;loc=d3e40691-111596<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13433-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 323<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6382943&amp;loc=d3e33918-111571<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27290-111563<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 5<br><br> -Section M<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2,12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 2, 12<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InvestmentPolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LifeSettlementContractsPolicy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for life settlement contracts including the classification of cash receipts and cash disbursements in the statement of cash flows.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 325<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6385267&amp;loc=d3e42658-111610<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 325<br><br> -SubTopic 30<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197121<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 325<br><br> -SubTopic 30<br><br> -Section 25<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6384222&amp;loc=d3e41925-111603<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LifeSettlementContractsPolicy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of the accounting policy for recognizing income earned net of related expenses incurred. Describes the fees to be received net of related costs pertaining to lending activities, including acquiring loans, issuing commitments to lend or participating in a loan syndication.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10178-111534<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2196772<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5033-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy pertaining to new accounting pronouncements that may impact the entity's financial reporting. Includes, but is not limited to, quantification of the expected or actual impact.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Description of accounting policies and methodologies used to estimate the entity's liability for off-balance sheet credit exposures and related charges for those credit exposures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5144-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OffBalanceSheetCreditExposurePolicyPolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, basis of assets, depreciation and depletion methods used, including composite deprecation, estimated useful lives, capitalization policy, accounting treatment for costs incurred for repairs and maintenance, capitalized interest and the method it is calculated, disposals and impairments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2155824<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 13<br><br> -Subparagraph a<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PropertyPlantAndEquipmentPolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RevenueRecognitionServicesManagementFees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for revenue recognition for management fee income, including those that contain a performance-based incentive fee which are based on a formula. This disclosure also may indicate whether the entity has recorded any revenue that is at risk due to future performance contingencies, the nature of contracts giving rise to the contingencies, and, if material, the amount of any such revenue recorded.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 13<br><br> -Section B<br><br> -Paragraph Question 1<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 605<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 13.B.Q1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012821&amp;loc=d3e214044-122780<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 605<br><br> -SubTopic 20<br><br> -Section S99<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6784405&amp;loc=d3e220004-122787<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RevenueRecognitionServicesManagementFees</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for stock option and stock incentive plans. This disclosure may include (1) the types of stock option or incentive plans sponsored by the entity (2) the groups that participate in (or are covered by) each plan (3) significant plan provisions and (4) how stock compensation is measured, and the methodologies and significant assumptions used to determine that measurement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b),(f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2228939<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>123
<FILENAME>R51.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E2F">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ACCUMULATED OTHER COMPREHENSIVE LOSS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PartnersCapitalComprehensiveIncomeAbstract', window );"><strong>ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock', window );">Schedule of Changes in Each Component of Accumulated Other Comprehensive Loss</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Net Unrealized Gains and Losses on Investment Securities AFS<sup>(1)</sup></td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Defined Benefit Pension Items<sup>(1)</sup></td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Total</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Balance at January 1, 2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,141</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (9,520</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (5,379</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Other comprehensive income (loss) before reclassifications</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (2,963</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,161</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (802</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Amounts reclassified from accumulated other comprehensive loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (135</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 441</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 306</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Net current period other comprehensive income (loss)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (3,098</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,602</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (496</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Balance at December 31, 2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,043</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (6,918</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (5,875</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 1px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">(1)</td> <td style="TEXT-ALIGN: left">Amounts in parentheses indicate debits.</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock', window );">Schedule of Amounts Reclassified out of Each Component of Accumulated Other Comprehensive Loss</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="570"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> Details about accumulated other comprehensive loss components</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Amount reclassified from accumulated other comprehensive loss<sup>(1)</sup></td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Affected line item in the<br /> statement of operations</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Unrealized gains and losses on sale of securities<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (204</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> Net realized gains on investment securities AFS</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (204</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Total before tax</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 69</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> Provision for income tax expense</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (135</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> Net of tax</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Amortization of defined benefit items<sup>(2)</sup><br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Estimated net loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">683</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Salaries and employee benefits</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Prior service cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(10</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Salaries and employee benefits</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Transition asset</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (4</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> Salaries and employee benefits</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">669</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Total before tax</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (228</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> Provision for income tax expense</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 441</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> Net of tax</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total reclassifications for the period</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 306</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> Net of tax</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 1px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">(1)</td> <td style="TEXT-ALIGN: left">Amounts in parentheses indicate credits.</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 1px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">(2)</td> <td style="TEXT-ALIGN: left">These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of amounts reclassified out of accumulated other comprehensive loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ScheduleOfAmountsReclassifiedOutOfAccumulatedOtherComprehensiveLossTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular discosure of changes in each component of accumulated other comprehensive income (loss).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PartnersCapitalComprehensiveIncomeAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PartnersCapitalComprehensiveIncomeAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>124
<FILENAME>R21.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INCOME TAXES<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>INCOME TAXES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureTextBlock', window );">INCOME TAXES</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 13.&nbsp;&nbsp;INCOME TAXES</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The expense for income taxes is summarized below:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Current</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>139</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">140</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">95</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Deferred</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>2,150</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,101</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,758</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income tax expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>2,289</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,241</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,853</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The reconciliation between the federal statutory tax rate and the Company&#39;s effective consolidated income tax rate is as follows:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">AMOUNT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RATE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="23">(IN THOUSANDS, EXCEPT PERCENTAGES)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Income tax expense based on federal statutory rate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,544</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>34.0%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,475</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 34.0</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,193</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 34.0</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Tax exempt income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(359)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(4.8)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (315</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (4.3</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (325</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (3.5</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>104</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1.4</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 81</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1.1</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (15</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (0.1</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total expense for income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>2,289</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>30.6%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,241</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 30.8</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,853</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 30.4</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> %<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table highlights the major components comprising the deferred tax assets and liabilities for each of the periods presented:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> DEFERRED TAX ASSETS:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Allowance for loan losses</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,437</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,274</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Unfunded commitment reserve</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>264</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">221</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Premises and equipment</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,832</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,626</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Accrued pension obligation</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,462</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,916</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Net operating loss carryforwards</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,307</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,883</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Alternative minimum tax credits</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,749</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,635</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Other</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>393</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 368</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 30pt; TEXT-INDENT: -10pt"> Total tax assets</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>10,444</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 13,923</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> DEFERRED TAX LIABILITIES:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Investment accretion</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(18)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(28</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Unrealized investment security gains</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(545)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (2,133</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Other</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(309)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (295</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 30pt; TEXT-INDENT: -10pt"> Total tax liabilities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(872)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (2,456</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net deferred tax asset</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>9,572</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 11,467</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> At December 31, 2013 and 2012, the Company had no valuation allowance established against its deferred tax assets as we believe the Company will generate sufficient future taxable income to fully utilize all net operating loss carryforwards and AMT tax credits.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The change in net deferred tax assets and liabilities consist of the following:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Unrealized gains recognized in comprehensive income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,595</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">162</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Pension obligation of the defined benefit plan not yet recognized in income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,340)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">725</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Deferred provision for income taxes</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(2,150)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (2,101</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Net decrease</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(1,895)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (1,214</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company has alternative minimum tax credit carryforwards of approximately $1.7 million at December 31, 2013. These credits have an indefinite carryforward period. The Company also has a $3.8 million net operating loss carryforward that will begin to expire in the year 2025.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company utilizes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of benefit that is greater than fifty percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. The Company has no tax liability for uncertain tax positions. The Company&#39;s federal and state income tax returns for taxable years through 2009 have been closed for purposes of examination by the Internal Revenue Service and the Pennsylvania Department of Revenue.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32718-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>125
<FILENAME>R115.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EUGAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ACCUMULATED OTHER COMPREHENSIVE LOSS (Schedule of Changes in Each Component of Accumulated Other Comprehensive Loss) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AccumulatedOtherComprehensiveLossLineItems', window );"><strong>Accumulated Other Comprehensive Loss [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Beginning Balance</a></td>
        <td class="num">$ (5,379)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_OtherComprehensiveIncomeLossBeforeReclassifications', window );">Other comprehensive income (loss) before reclassifications</a></td>
        <td class="num">(802)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss', window );">Amounts reclassified from accumulated other comprehensive loss</a></td>
        <td class="nump">306<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Net current period other comprehensive loss</a></td>
        <td class="num">(496)<span></span></td>
        <td class="num">(1,719)<span></span></td>
        <td class="nump">1,202<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Ending Balance</a></td>
        <td class="num">(5,875)<span></span></td>
        <td class="num">(5,379)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Net Unrealized Gains and Losses on Investment Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AccumulatedOtherComprehensiveLossLineItems', window );"><strong>Accumulated Other Comprehensive Loss [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Beginning Balance</a></td>
        <td class="nump">4,141<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_OtherComprehensiveIncomeLossBeforeReclassifications', window );">Other comprehensive income (loss) before reclassifications</a></td>
        <td class="num">(2,963)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss', window );">Amounts reclassified from accumulated other comprehensive loss</a></td>
        <td class="num">(135)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Net current period other comprehensive loss</a></td>
        <td class="num">(3,098)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Ending Balance</a></td>
        <td class="nump">1,043<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Defined Benefit Pension Items [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AccumulatedOtherComprehensiveLossLineItems', window );"><strong>Accumulated Other Comprehensive Loss [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Beginning Balance</a></td>
        <td class="num">(9,520)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_OtherComprehensiveIncomeLossBeforeReclassifications', window );">Other comprehensive income (loss) before reclassifications</a></td>
        <td class="nump">2,161<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss', window );">Amounts reclassified from accumulated other comprehensive loss</a></td>
        <td class="nump">441<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Net current period other comprehensive loss</a></td>
        <td class="nump">2,602<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Ending Balance</a></td>
        <td class="num">$ (6,918)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AccumulatedOtherComprehensiveLossLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AccumulatedOtherComprehensiveLossLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amounts Reclassified From Accumulated Other Comprehensive Income Loss</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_AmountsReclassifiedFromAccumulatedOtherComprehensiveIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_OtherComprehensiveIncomeLossBeforeReclassifications">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of other comprehensive income (loss) before reclassifications.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_OtherComprehensiveIncomeLossBeforeReclassifications</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669686-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e681-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 31<br><br> -Article 5<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of other comprehensive income (loss) attributable to parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>126
<FILENAME>R26.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>STOCK COMPENSATION PLANS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>STOCK COMPENSATION PLANS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock', window );">STOCK COMPENSATION PLANS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 18.&nbsp;&nbsp;STOCK COMPENSATION PLANS</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The Company uses the modified perspective method for accounting for stock-based compensation and recognized $82,000 of pretax compensation expense for the year 2013, $38,000 in 2012 and $15,000 in 2011.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> During 2011, the Company&#39;s Board of Directors adopted, and its shareholders approved, the AmeriServ Financial, Inc. 2011 Stock Incentive Plan (the Plan) authorizing the grant of options or restricted stock covering 800,000 shares of common stock. This Plan replaced the expired 2001 Stock Option Plan. Under the Plan, options or restricted stock can be granted (the Grant Date) to directors, officers, and employees that provide services to the Company and its affiliates, as selected by the compensation committee of the Board of Directors. The option price at which a granted stock option may be exercised was not less than 100% of the fair market value per share of common stock on the Grant Date. The maximum term of any option granted under the Plan cannot exceed 10 years. Generally, options vest over a three year period and become exercisable in equal installments over the vesting period. At times, options with a one year vesting period may also be issued.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> A summary of the status of the Company&#39;s Stock Incentive Plan at December 31, 2013, 2012, and 2011, and changes during the years then ended is presented in the table and narrative following:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23">YEAR ENDED DECEMBER 31</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SHARES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">WEIGHTED AVERAGE EXERCISE PRICE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SHARES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">WEIGHTED AVERAGE EXERCISE PRICE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SHARES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">WEIGHTED AVERAGE EXERCISE PRICE</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Outstanding at beginning of year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>398,371</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.43</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 313,612</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3.02</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 257,287</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3.18</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Granted</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>102,445</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3.19</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 164,241</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2.73</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 58,575</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2.25</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Exercised</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(3,467)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.81</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,500</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1.70</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (750</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1.70</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Forfeited</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>(10,000)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> <strong>4.25</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (77,982</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> 5.47</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (1,500</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: right"> 1.70</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Outstanding at end of year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>487,349</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> <strong>2.55</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 398,371</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> 2.43</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 313,612</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: right"> 3.02</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Exercisable at end of year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>257,253</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2.25</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 167,624</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2.29</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 179,874</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3.81</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Weighted average fair value of options granted in current year</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>0.83</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.80</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 0.51</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> A total of 257,253 of the 487,349 options outstanding at December 31, 2013, are exercisable and have exercise prices between $1.53 and $5.75, with a weighted average exercise price of $2.25 and a weighted average remaining contractual life of 6.41 years. All of these options are exercisable. The remaining 230,096 options that are not yet exercisable have exercise prices between $1.92 and $3.23, with a weighted average exercise price of $2.90 and a weighted average remaining contractual life of 8.80 years. The fair value of each option grant is estimated on the date of grant using the Black-Scholes option pricing model with the following assumptions used for grants in 2013, 2012, and 2011.</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> BLACK-SCHOLES ASSUMPTION RANGES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Risk-free interest rate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <strong>1.82&nbsp;-&nbsp;2.03%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> 1.66&nbsp;-&nbsp;2.28%</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> 2.19&nbsp;-&nbsp;3.62%</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Expected lives in years</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>10</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">10</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">10</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Expected volatility</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <strong>30.06&nbsp;-&nbsp;32.32%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> 33.26&nbsp;-&nbsp;35.77%</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> 35.03&nbsp;-&nbsp;35.25%</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Expected dividend rate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1.30%</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">0%</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">0%</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for compensation-related costs for equity-based compensation, which may include disclosure of policies, compensation plan details, allocation of equity compensation, incentive distributions, equity-based arrangements to obtain goods and services, deferred compensation arrangements, employee stock ownership plan details and employee stock purchase plan details.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 50<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6406099&amp;loc=d3e25284-112666<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 40<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6418621&amp;loc=d3e17540-113929<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5444-113901<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 14<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>127
<FILENAME>R95.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EKJAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>INCOME TAXES (Schedule of Change in Net Deferred Tax Assets and Liabilities) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>INCOME TAXES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent', window );">Unrealized gains recognized in comprehensive income</a></td>
        <td class="nump">$ 1,595<span></span></td>
        <td class="nump">$ 162<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent', window );">Pension obligation of the defined benefit plan not yet recognized in income</a></td>
        <td class="num">(1,340)<span></span></td>
        <td class="nump">725<span></span></td>
        <td class="nump">613<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Deferred provision for income taxes</a></td>
        <td class="num">(2,150)<span></span></td>
        <td class="num">(2,101)<span></span></td>
        <td class="num">(2,758)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes', window );">Net (decrease)</a></td>
        <td class="num">$ (1,895)<span></span></td>
        <td class="num">$ (1,214)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=34349781&amp;loc=d3e330036-122817<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26873400&amp;loc=d3e23780-122690<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section I<br><br> -Subsection 7<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Deferred Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510177<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredIncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in the account that represents the temporary difference that results from Income or Loss that is recognized for accounting purposes but not for tax purposes and vice versa.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInDeferredIncomeTaxes</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax expense (benefit), after reclassification adjustments, of appreciation (loss) in value of unsold available-for-sale securities, attributable to parent entity. Excludes amounts related to other than temporary impairment (OTTI) loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax (expense) benefit, after reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans, attributable to parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>128
<FILENAME>R49.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>PREFERRED STOCK (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract', window );"><strong>PREFERRED STOCK [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDividendsPayableTextBlock', window );">Schedule of Preferred Dividend Stock Period Annualized</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-top; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="384"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td>&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">DIVIDEND PERIOD ANNUALIZED</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center" rowspan="2"><!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" rowspan="2">ANNUALIZED<br /> DIVIDEND RATE</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal"> BEGINNING</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal"> ENDING</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="TEXT-ALIGN: center">August 11, 2011</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">December 31, 2011</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">5.0%</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="TEXT-ALIGN: center">January 1, 2012</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">December 31, 2013</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">1.0% to 5.0%</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="TEXT-ALIGN: center">January 1, 2014</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">February 7, 2016</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">1.0% to 7.0%<sup>(1)</sup></td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="TEXT-ALIGN: center">February 8, 2016</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">Redemption</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="TEXT-ALIGN: center">9.0%<sup>(2)</sup></td> </tr> </table> </div> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 1px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">(1)</td> <td style="TEXT-ALIGN: left">Between January 1, 2014 and February 7, 2016, the dividend rate will be fixed at a rate in such range based upon the level of percentage change in QSBL between September 30, 2013 and the Baseline.</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 1px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">(2)</td> <td style="TEXT-ALIGN: left">Beginning on February 8, 2016, the dividend rate will be fixed at nine percent (9%) per annum.</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfDividendsPayableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of all or some of the information related to dividends declared, but not paid, as of the financial reporting date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfDividendsPayableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>129
<FILENAME>R105.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EE4AE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Plan's Asset Allocations) (Details) (Pension Plans, Defined Benefit [Member])<br></strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Asset allocations</a></td>
        <td class="nump">100.00%<span></span></td>
        <td class="nump">100.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Cash and Cash Equivalents [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Asset allocations</a></td>
        <td class="nump">0.00%<span></span></td>
        <td class="nump">0.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Domestic Equities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Asset allocations</a></td>
        <td class="nump">10.00%<span></span></td>
        <td class="nump">22.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Mutual Funds/ETFs [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Asset allocations</a></td>
        <td class="nump">79.00%<span></span></td>
        <td class="nump">63.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">International Equity Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Asset allocations</a></td>
        <td class="nump">6.00%<span></span></td>
        <td class="nump">2.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate Bonds [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Asset allocations</a></td>
        <td class="nump">5.00%<span></span></td>
        <td class="nump">13.00%<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of fair value of investments (categorized by debt securities, equity securities, real estate and other plan assets) to the fair value of plan assets held.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e2446-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>130
<FILENAME>R41.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E1AAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>DEPOSITS (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>DEPOSITS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfDepositLiabilitiesTableTextBlock', window );">Schedule of Balances of Deposits</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">AT DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Demand:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Non-interest bearing</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>154,002</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 156,223</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Interest bearing</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>84,926</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 61,774</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Savings</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>87,655</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 86,135</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Money market</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>219,801</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 215,870</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Certificates of deposit in denominations of $100,000 or more</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>47,287</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 35,339</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other time</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>260,851</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 280,393</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total deposits</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>854,522</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 835,734</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeAndInterestExpenseDisclosureTextBlock', window );">Schedule of Interest Expense on Deposits</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest bearing demand</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>138</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">116</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">153</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Savings</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>139</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">181</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">256</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Money market</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>736</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">895</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,063</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Certificates of deposit in denominations of $100,000 or<br /> more</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>289</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">435</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">637</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Other time</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>3,862</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 4,875</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 6,226</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total interest expense</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>5,164</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 6,502</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 8,335</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock', window );">Schedule of Balances of Deposits of $100,000 or More</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> YEAR:</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">OTHER TIME DEPOSITS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CERTIFICATES OF DEPOSIT OF $100,000 OR MORE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2014</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>128,725</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>32,109</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2015</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>42,497</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>13,310</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2016</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>20,033</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,551</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2017</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>11,684</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>217</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2018</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>10,541</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> 2019 and after</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>47,371</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>100</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>260,851</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>47,287</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock', window );">Schedule of Maturities of Deposits of $100,000 or More</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> MATURING IN:</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Three months or less</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>7,399</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Over three through six months</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>20,763</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Over six through twelve months</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,947</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Over twelve months</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>15,178</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>47,287</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ScheduleOfDepositLiabilitiesTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule Of Deposit Liabilities [Table Text Block].</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ScheduleOfDepositLiabilitiesTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of Maturities of Time Deposits of $100,000 or More [Table Text Block].</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ScheduleOfMaturitiesOfTimeDepositsOfOneHundredThousandOrMoreTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule Of Maturities Of Time Deposits [Table Text Block].</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeAndInterestExpenseDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for interest income and interest expense for enterprises that derive a significant portion of their revenue from interest collected on investments, loans, and securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1-12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 1 - 9<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeAndInterestExpenseDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>131
<FILENAME>R107.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EVIAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Estimated Future Benefit Payments) (Details) (Pension Plans, Defined Benefit [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans, Defined Benefit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract', window );"><strong>ESTIMATED FUTURE BENEFIT PAYMENTS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths', window );">2014</a></td>
        <td class="nump">$ 2,444<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo', window );">2015</a></td>
        <td class="nump">2,268<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree', window );">2016</a></td>
        <td class="nump">2,752<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour', window );">2017</a></td>
        <td class="nump">2,809<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive', window );">2018</a></td>
        <td class="nump">2,430<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter', window );">2019- 2023</a></td>
        <td class="nump">$ 14,200<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of benefits expected to be paid  in the five fiscal years after the fifth fiscal year following the latest fiscal year from a defined benefit plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of benefits expected to be paid in the next fiscal year following the latest fiscal year from a defined benefit plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of benefits expected to be paid in the fifth fiscal year following the latest fiscal year from a defined benefit plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of benefits expected to be paid in the fourth fiscal year following the latest fiscal year from a defined benefit plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of benefits expected to be paid in the third fiscal year following the latest fiscal year from a defined benefit plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of benefits expected to be paid in the second fiscal year following the latest fiscal year from a defined benefit plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>132
<FILENAME>R5.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E2KAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract', window );"><strong>COMPREHENSIVE INCOME</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">$ 5,193<span></span></td>
        <td class="nump">$ 5,039<span></span></td>
        <td class="nump">$ 6,537<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract', window );"><strong>Other comprehensive income (loss), before tax:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent', window );">Pension obligation change for defined benefit plan</a></td>
        <td class="nump">3,942<span></span></td>
        <td class="num">(2,128)<span></span></td>
        <td class="num">(1,803)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent', window );">Income tax effect</a></td>
        <td class="num">(1,340)<span></span></td>
        <td class="nump">725<span></span></td>
        <td class="nump">613<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax', window );">Unrealized holding gains (losses) on available for sale securities arising during period</a></td>
        <td class="num">(4,489)<span></span></td>
        <td class="num">(466)<span></span></td>
        <td class="nump">3,266<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax', window );">Income tax effect</a></td>
        <td class="nump">1,526<span></span></td>
        <td class="nump">158<span></span></td>
        <td class="num">(1,110)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax', window );">Reclassification adjustment for losses (gains) on available for sale securities included in net income</a></td>
        <td class="num">(204)<span></span></td>
        <td class="num">(12)<span></span></td>
        <td class="nump">358<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax', window );">Income tax effect</a></td>
        <td class="nump">69<span></span></td>
        <td class="nump">4<span></span></td>
        <td class="num">(122)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive income (loss)</a></td>
        <td class="num">(496)<span></span></td>
        <td class="num">(1,719)<span></span></td>
        <td class="nump">1,202<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Comprehensive income</a></td>
        <td class="nump">$ 4,697<span></span></td>
        <td class="nump">$ 3,320<span></span></td>
        <td class="nump">$ 7,739<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Other Comprehensive Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Comprehensive Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=16317811<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 5<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e557-108580<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Net Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComprehensiveIncomeNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 20<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Other Comprehensive Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Net Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.19)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.18)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.22)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 6<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e565-108580<br><br><br><br><br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 19<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before tax, after reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans, attributable to parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 20<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 19<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1A<br><br><br><br> -Subparagraph (c)(3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentBeforeTaxPortionAttributableToParent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax (expense) benefit, after reclassification adjustments, of (increase) decrease in accumulated other comprehensive (income) loss related to pension and other postretirement defined benefit plans, attributable to parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 20<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 19<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1A<br><br><br><br> -Subparagraph (c)(3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after tax of other comprehensive income (loss) attributable to parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 20<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 19<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569616-111683<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1A<br><br><br><br> -Subparagraph (c)(3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733093&amp;loc=SL4573702-111684<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before tax of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 9<br><br><br><br> -Subparagraph (d)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 15<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e689-108580<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax expense (benefit) of reclassification adjustment from accumulated other comprehensive income for unrealized gain (loss) realized upon the sale of available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 9<br><br><br><br> -Subparagraph (d)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27357-111563<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 12<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e640-108580<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount before tax and reclassification adjustments of unrealized holding gain (loss) on available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 10A<br><br><br><br> -Subparagraph (e)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669646-108580<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of tax expense (benefit) before reclassification adjustments of unrealized holding gain (loss) on available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 12<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e640-108580<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 10A<br><br><br><br> -Subparagraph (e,f)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669646-108580<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>133
<FILENAME>R88.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EWDDI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Schedule of Assets and Liabilities Measured on Recurring Basis) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">$ 141,978<span></span></td>
        <td class="nump">$ 151,538<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Fair value of swap asset</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">164<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Fair value of swap liability</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">164<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Agency Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">6,835<span></span></td>
        <td class="nump">5,911<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">U.S. Agency mortgage-backed securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">123,382<span></span></td>
        <td class="nump">137,735<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate Bond Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">11,761<span></span></td>
        <td class="nump">7,892<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Level 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">141,978<span></span></td>
        <td class="nump">151,538<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Level 3 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Recurring Basis [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Fair value of swap asset</a></td>
        <td class="nump">164<span></span></td>
        <td class="nump">164<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Fair value of swap liability</a></td>
        <td class="nump">164<span></span></td>
        <td class="nump">164<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Recurring Basis [Member] | U.S. Agency Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">6,835<span></span></td>
        <td class="nump">5,911<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Recurring Basis [Member] | U.S. Agency mortgage-backed securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">123,382<span></span></td>
        <td class="nump">137,735<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Recurring Basis [Member] | Corporate Bond Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">11,761<span></span></td>
        <td class="nump">7,892<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Recurring Basis [Member] | Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Fair value of swap asset</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Fair value of swap liability</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Recurring Basis [Member] | Level 1 [Member] | U.S. Agency Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Recurring Basis [Member] | Level 1 [Member] | U.S. Agency mortgage-backed securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Recurring Basis [Member] | Level 1 [Member] | Corporate Bond Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Recurring Basis [Member] | Level 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Fair value of swap asset</a></td>
        <td class="nump">164<span></span></td>
        <td class="nump">164<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Fair value of swap liability</a></td>
        <td class="nump">164<span></span></td>
        <td class="nump">164<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Recurring Basis [Member] | Level 2 [Member] | U.S. Agency Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">6,835<span></span></td>
        <td class="nump">5,911<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Recurring Basis [Member] | Level 2 [Member] | U.S. Agency mortgage-backed securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">123,382<span></span></td>
        <td class="nump">137,735<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Recurring Basis [Member] | Level 2 [Member] | Corporate Bond Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="nump">11,761<span></span></td>
        <td class="nump">7,892<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Recurring Basis [Member] | Level 3 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Fair value of swap asset</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Fair value of swap liability</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Recurring Basis [Member] | Level 3 [Member] | U.S. Agency Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Recurring Basis [Member] | Level 3 [Member] | U.S. Agency mortgage-backed securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value Measurements, Recurring Basis [Member] | Level 3 [Member] | Corporate Bond Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems', window );"><strong>Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Available for sale</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28360136&amp;loc=d3e22054-111558<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (aa)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27724398&amp;loc=d3e27232-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13433-108611<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41228-113958<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13495-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20225523&amp;loc=SL20225862-175312<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41271-113958<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28370219&amp;loc=SL20226008-175313<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13433-108611<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41228-113958<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28364263&amp;loc=d3e13495-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20225523&amp;loc=SL20225862-175312<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945355&amp;loc=d3e41271-113958<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28370219&amp;loc=SL20226008-175313<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DerivativeLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>134
<FILENAME>R10.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>CASH AND DUE FROM DEPOSITORY INSTITUTIONS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAbstract', window );"><strong>CASH AND DUE FROM DEPOSITORY INSTITUTIONS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsDisclosureTextBlock', window );">CASH AND DUE FROM DEPOSITORY INSTITUTIONS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 2.&nbsp;&nbsp;CASH AND DUE FROM DEPOSITORY INSTITUTIONS</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Included in "Cash and due from depository institutions" are required federal reserves of $61,000 and $0 at December 31, 2013 and 2012, respectively, for facilitating the implementation of monetary policy by the Federal Reserve System. The required reserves are computed by applying prescribed ratios to the classes of average deposit balances. These are held in the form of vault cash and a depository amount held with the Federal Reserve Bank.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for cash and cash equivalent footnotes,  which may include the types of deposits and money market instruments, applicable carrying amounts, restricted amounts and compensating balance arrangements. Cash and equivalents include: (1) currency on hand (2) demand deposits with banks or financial institutions (3) other kinds of accounts that have the general characteristics of demand deposits (4) short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Generally, only investments maturing within three months from the date of acquisition qualify.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4273-108586<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 6.H.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13728-122682<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section H<br><br> -Subsection 3<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>135
<FILENAME>R58.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0ENCBG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Earnings Per Share) (Details) (USD $)<br>In Thousands, except Per Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2013</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2012</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2012</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">$ 1,841<span></span></td>
        <td class="nump">$ 1,226<span></span></td>
        <td class="nump">$ 1,070<span></span></td>
        <td class="nump">$ 1,056<span></span></td>
        <td class="nump">$ 735<span></span></td>
        <td class="nump">$ 1,307<span></span></td>
        <td class="nump">$ 1,432<span></span></td>
        <td class="nump">$ 1,565<span></span></td>
        <td class="nump">$ 5,193<span></span></td>
        <td class="nump">$ 5,039<span></span></td>
        <td class="nump">$ 6,537<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPreferredStock', window );">Preferred stock dividends and accretion of preferred stock discount</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">209<span></span></td>
        <td class="nump">828<span></span></td>
        <td class="nump">1,385<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">NET INCOME AVAILABLE TO COMMON SHAREHOLDERS</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 4,984<span></span></td>
        <td class="nump">$ 4,211<span></span></td>
        <td class="nump">$ 5,152<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Weighted average common shares outstanding (basic)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">18,942<span></span></td>
        <td class="nump">19,685<span></span></td>
        <td class="nump">21,184<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants', window );">Effect of stock options/warrants</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">92<span></span></td>
        <td class="nump">62<span></span></td>
        <td class="nump">21<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Weighted average common shares outstanding (diluted)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">19,034<span></span></td>
        <td class="nump">19,747<span></span></td>
        <td class="nump">21,205<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings per common share:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic</a></td>
        <td class="nump">$ 0.10<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.04<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.26<span></span></td>
        <td class="nump">$ 0.21<span></span></td>
        <td class="nump">$ 0.24<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted</a></td>
        <td class="nump">$ 0.09<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.04<span></span></td>
        <td class="nump">$ 0.05<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.06<span></span></td>
        <td class="nump">$ 0.26<span></span></td>
        <td class="nump">$ 0.21<span></span></td>
        <td class="nump">$ 0.24<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountingPoliciesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsPreferredStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of paid and unpaid preferred stock dividends declared with the form of settlement in cash, stock and payment-in-kind (PIK).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957935&amp;loc=d3e64057-112817<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendsPreferredStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 52<br><br> -URI http://asc.fasb.org/extlink&amp;oid=32703322&amp;loc=d3e4984-109258<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.23)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 18<br><br> -Article 7<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 20<br><br> -Article 5<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 18<br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 20<br><br> -Article 5<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareDiluted</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Additional shares included in the calculation of diluted EPS as a result of the potentially dilutive effect of call options and warrants using the treasury stock method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Warrant<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6528364<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 23<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1757-109256<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Treasury Stock Method<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6527216<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Call Option<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506649<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=26872669&amp;loc=d3e20235-122688<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e565-108580<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1377-109256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1505-109256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1448-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Weighted-Average Number of Common Shares Outstanding<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6528421<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>136
<FILENAME>R82.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EMOAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>DEPOSITS (Schedule of Interest Expense on Deposits) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>DEPOSITS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand', window );">Interest bearing demand</a></td>
        <td class="nump">$ 138<span></span></td>
        <td class="nump">$ 116<span></span></td>
        <td class="nump">$ 153<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings', window );">Savings</a></td>
        <td class="nump">139<span></span></td>
        <td class="nump">181<span></span></td>
        <td class="nump">256<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesMoneyMarket', window );">Money market</a></td>
        <td class="nump">736<span></span></td>
        <td class="nump">895<span></span></td>
        <td class="nump">1,063<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore', window );">Certificates of deposit in denominations of $100,000 or more</a></td>
        <td class="nump">289<span></span></td>
        <td class="nump">435<span></span></td>
        <td class="nump">637<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit', window );">Other time</a></td>
        <td class="nump">3,862<span></span></td>
        <td class="nump">4,875<span></span></td>
        <td class="nump">6,226<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDeposits', window );">Total interest expense</a></td>
        <td class="nump">$ 5,164<span></span></td>
        <td class="nump">$ 6,502<span></span></td>
        <td class="nump">$ 8,335<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest Expense, Domestic Deposit Liabilities, Time Deposits $100,000 Or More.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_InterestExpenseDomesticDepositLiabilitiesTimeDepositsOneHundredThousandDollarsOrMore</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate amount of interest expense on all deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 6<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest expense on domestic demand deposit liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 6<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseDomesticDepositLiabilitiesDemand</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesMoneyMarket">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest expense on domestic money market demand account deposit liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 6<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseDomesticDepositLiabilitiesMoneyMarket</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest expense on domestic time deposit liabilities other than certificates of liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 6<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseDomesticDepositLiabilitiesOtherTimeDeposit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest expense on domestic savings deposit liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 6<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>137
<FILENAME>R106.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E5KAG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Assets Measured at Fair Value) (Details) (Pension Plans, Defined Benefit [Member], USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets</a></td>
        <td class="nump">$ 26,288<span></span></td>
        <td class="nump">$ 21,368<span></span></td>
        <td class="nump">$ 18,180<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Cash and Cash Equivalents [Member] | Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Domestic Equities [Member] | Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets</a></td>
        <td class="nump">2,741<span></span></td>
        <td class="nump">4,731<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Mutual Funds/ETFs [Member] | Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets</a></td>
        <td class="nump">20,744<span></span></td>
        <td class="nump">13,566<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">International Equity Securities [Member] | Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets</a></td>
        <td class="nump">1,478<span></span></td>
        <td class="nump">336<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate Bonds [Member] | Level 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract', window );"><strong>PLAN ASSETS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of plan assets</a></td>
        <td class="nump">$ 1,325<span></span></td>
        <td class="nump">$ 2,735<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Assets, usually stocks, bonds, and other investments, that have been segregated and restricted (usually in a trust) to provide benefits, at their fair value as of the measurement date. Plan assets include amounts contributed by the employer (and by employees for a contributory plan) and amounts earned from investing the contributions, less benefits paid. If a plan has liabilities other than for benefits, those non-benefit obligations may be considered as reductions of plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 30<br><br> -Section 35<br><br> -Paragraph 50<br><br> -URI http://asc.fasb.org/extlink&amp;oid=29635418&amp;loc=d3e12355-114930<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanFairValueOfPlanAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanInformationAboutPlanAssetsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>138
<FILENAME>R69.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EPEBG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Schedule of Impaired Loans by Class) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">$ 3,066<span></span></td>
        <td class="nump">$ 4,806<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related Allowance</a></td>
        <td class="nump">813<span></span></td>
        <td class="nump">1,600<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
        <td class="nump">3,179<span></span></td>
        <td class="nump">4,863<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial loans secured by real estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">3,005<span></span></td>
        <td class="nump">4,793<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
        <td class="nump">3,118<span></span></td>
        <td class="nump">4,850<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">61<span></span></td>
        <td class="nump">13<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal Balance</a></td>
        <td class="nump">61<span></span></td>
        <td class="nump">13<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Impaired Loans with Specific Allowance [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">3,066<span></span></td>
        <td class="nump">4,239<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related Allowance</a></td>
        <td class="nump">813<span></span></td>
        <td class="nump">1,586<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Impaired Loans with Specific Allowance [Member] | Commercial loans secured by real estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">3,005<span></span></td>
        <td class="nump">4,239<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related Allowance</a></td>
        <td class="nump">812<span></span></td>
        <td class="nump">1,586<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Impaired Loans with Specific Allowance [Member] | Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">61<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related Allowance</a></td>
        <td class="nump">1<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Impaired Loans with No Specific Allowance [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">567<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Impaired Loans with No Specific Allowance [Member] | Commercial loans secured by real estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">554<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Impaired Loans with No Specific Allowance [Member] | Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="nump">$ 13<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsNotesAndLoansReceivableLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 14A<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953550-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableRecordedInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of allowance for credit losses related to recorded investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableRelatedAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of unpaid principal balance of impaired financing receivables with related allowance for credit losses and without related allowance for credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (a)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>139
<FILENAME>0001144204-14-012317-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001144204-14-012317-xbrl.zip
M4$L#!!0````(`)597$3?(YJKF\L"`.;9.P`1`!P`87-R=BTR,#$S,3(S,2YX
M;6Q55`D``WFU$%-YM1!3=7@+``$$)0X```0Y`0``[%WK<Z-(DO]^$?<_U/HV
M)GHB6C(/H8=GVGNR97?KUK9TMGIZ^],&$B6I=A!H*9"M^^NO$A!Z(5X"!+)C
M9CPV5"69OWQ45E%D_?ZWMYF*%MB@1->^7/!5[@)A;:0K1)M\N?C^4FF_W':[
M%XB:LJ;(JJ[A+Q>:?O&WZ__\C]__4JG<&E@VL8*&2_0'T4QY@M$]45E?BCY=
M_'%_\6NEXK:<&[IBC5A374,"Q]<JG%`1ZNB_4>-*XE#_T6GX-C14Q#C2Z)5,
MC<67BZEISJ\N+^49-@C%QF),-%D;$5FMCO39)2,D\H+(7[A]V)/_]/J\OKY6
M@5Y5-R:L)2=>PNVA3/&J.=PE`>V)!F*/UNVGYDS=:O\JVJWY5JMU:=_UFNZQ
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MT<<[N'$[N`6;6JVV86II<5T.7/D(N&X$+3X.KKS$<1D#.X,`P(B,5)E2N^<]
M<RD6+JR9I<*DHF=.L7&KS^8&GH(++'"734QF&)[NH'D4"6]0K(H-Z0".40?!
M'1*!"0`O2AO('B5"`>%DZ!R-YSZ-($!K-?Y\\4QO^`D.HUP]"PP7,E%E%@E8
MB'B15?S"AC<VK!%,V5AG$LW2+?I=,["LDO_#"G3NZY1`?L`+CZS%E/98:-$F
MV/"&2R?R;+#2U=J]VZZ#=VZ/<X8IJ=9H5IDW-^.-;3[=@E13%S8TDYN$[T6+
MO)\Z`J8&AP;64*6F,!LX9SUP5;$FM!)XDT^WX$#WX4P9.E-4)>YX3TPE?D3$
M3#V1%X0DXYI/MT!/;'QH,4M7]%%'@G$M5*D?XUJ(-V6W]L%S'X$P4Q?*;GFE
MO(K+6%%%FGGQ0CT--;T7M?A.I5*9.VVK)96\X;TH):]Y%<L3/O02RUGRF2KQ
MW(=6XGA+/G,?04HE`7@O:O&=S*0R>]EUEE26A]Z+6C*=V]0YZ4,7<5PDN\D*
M+Y1G$'G`E`ZFLC<WRE@U<1^7ZXNC6AI:BROA>]%BJ68['TH\^>SHPQDS=<9\
M9E/-#R5FZ8PY3;[X5#++#S6>Q63M0XTGF-Q)'[K+U@4SG`SRA1D$Q[I!MQX*
M^XW=K?/LK_;8Q,8]83^Q]A/+!FW/=,,$1FYU:FZKY2A2!R=U4=ZWQYWCI?B^
MO5CXY9.)L]9BR\>`CQ*@^.`FW`P2-]$Z6^/,;BPLK$'>R\3X0U8M?!R8'IGW
M$B6SP2VGZ"BV?+>;)V:^N(">?T3,!K<,(V%1C&^`M<'4T*W)]&"`O9$IH?%Q
MC4KYG&-E4=#-)Z+6:V+-;PD_37G*KHGS#,5%03>[@%T^VSYB2`PA^/XB=M98
MYA6?&Q*?J@UGE'YD#?=["L)98YEER,W57/>6=;?)_L!D,C6QTEY@0YYX54L&
MV)B%K'I'IN-\R1ZRU2+2M_#[-*[[XD^>>Q0ZH:O9D=DM,H@A`342B/LTKOO2
M3Z'^3B`,>;,9"<)]&M?]VL_FHR">%L2?!*M*++CL'IGM:)M;!MX,?[6+:]:`
MK[5BHF1SF3<>&20O_G@(C689\,A@9\<!^ZB7`H^4,H0#-E$7\\1@;P$N/BA[
M)'*+*BSZAK_,CL)Q\=#+,0;5SA3"',+6&1M@MD&N&$:WP.Z<:G`L>GN4<L^L
M$HT:A[@O.J[Y1<=FHHRDK+CFE^FU^/>$:[;!5$HTJ\H$RYZ&O66J!3X&2Q]*
MN<54T;%1*3&L/LP7'=;<0FI-2C[VEQ#7_$*J5']/N&844EW73QY1TX;2?^$_
M(9K^Q,HQ7_?GO1S8EF(V7V:`BS[7+S.VA5T)2!?4'\2<$HV%;Z`2'\:M[H6/
MJ%O<%@>Q'.+DF2%6X,!74,0R"F?YH?35T.G&AWE?9:+%_6XQ"HD\JYV(D3[J
MCL)UT1#,L]+(>2*86W%Y7O#[E.LL,,RKQ$9=C%9MJHP8YE?AXEP1S*NX1*3R
M!&4$,+7DQ3?\-<]X$`['+6E)A;K8.JF]0<F%(W'S)9%G^A>Q5G<4MHL&8:$J
MS941P*+5P"XCAL6J5UU&!`M66[J,$!:LM%@9(<PR_XM:L[F,N!6@OG),V&YT
MP]!?L;$NK77W-M>I90!E.+#7.:]W)$,YKD>BD9GE?"V3I&/6IB5(&Q`E87`/
M&#B-N*TI;64!GQA2..#T?JH.G:55;=);8$.#SVLV((G:)?-"&;PD2;MP1&4N
M;R"R/:2Z7M^SB\R!V/GLJLL$,C`UGYD=)L`H@%H.[TXY04H$7@#7Y<`U-;,\
M":X6)1JF0/$)*.#>N#=G'2#>T;ZNDM'2^3E@,MVH^NA/!\#8W5;?+!Y`*O89
MU->_J.9O?ZE4.KW;P<_^'9J:,Q7UO]\\=&_11>7R\H=X>WG9&730/[X-'A\0
M0QT-#%ES2D;*ZN7EW=,%\OEP?/!\^0:T>.CL_EHQ-WI6%5.Y0)7*+Q/S-^!!
M(0OX%;F_(VHN5?SEXK'[5/G1[0R^7:$&UYR__88&=_\85-H/W:]/5VB$01T7
M7D<FR(LI&^8]4]6,W7/(V[>FTHJD36#PW'YZN>\]/UXA3=?P;ZC?[G2Z3U\K
M-[W!H,>NBG-S^UDJ'IOK9H->WVUSWWL:7"&>FYN7O#`WT8#,,$5/^!4]ZS-9
M^^Q<^(Q>L$'&:P(/=_>L6PTD>FP_?^VR)W#SC0<\=[]^&[C7;#:Z3YV[)^>*
M(_#-]Y?NT]W+"VH_==!3>_#]^0[U[E&O?_?<'G1[3R]7(/?E5/(PF)\)!`(W
M?W,P:,\8249V@>Z)QAR9R.IGU-5&5?3)G&($!Z++VO)71"B2T5#6_D137568
M?S.OL6]]1E,L*_^VF-$POU80T=#_Z%.-FOHKX[N/-8TN518BB%Q%[KX41$QJ
MTP(RU!I2HA#96**-!R+=]F(&`M_TFC+W=1P;'C(F"XRH;IG35Q9-6*S9>A;C
MSM(@PX2'8HK1D'G.B/V&YH:^(`IFTHPM547L\@0C?0Q!@%H,C,\("K9,6*3Z
MC&1-`3'95<"%/=)%"(@HULATJ&]@.#`L:MK=/#1!9PO"`J0GVB>GE0>M/AZS
MQ`_)-J(J9D.#QY3IT5L_FZ[HP659F;%D$.1G?U.*&;`+J'S`[K!^<\;G&POB
M)E:7Z*]\M8&&1%49@@QJN&]@9K@F,O!(GVB0@"/[EJ>%7^39_+?_$EN_`?,:
M98%4@;P<W<@JQ'ST,L78A"=U\`C/AMA`(O\90;RLVIXSWXPK=YJR'57L)IM1
M:_7':IB)'=LWQI-;V3"6S&CL.A"]\>X4Y!M6E8&^^KR</>$>*XRT^DV?84BW
M;YC)K8<Y>ZA)E6+F\U:>:S0W\LA4F2\7S%EFZZV:P-5S0-F+0=#LF3D;60#=
MS4DA99=U0X%9\X(%1'`S!\]D?5?U-3BI*HB<<$2RY$,CT')K6W:;C/O38R=%
MQ4[8PF[#$*7XV$DMZ0R@JT>%CM^"CE]#5T]@=B(OG`%V:<YLWH>;AN(5Z*"1
M\3H7UPR%*]`IHYM7ZNZHL;GSR+1D=;W3M#>&:54'S^$`!]K3\#=+4]@<9C#5
M+<JRZXZNJK)!>\:C;F![;SWL1H4/F%P<4Z69>4K(;3ELJKRGBO03$WGPBM4%
M=L[12`GL7;*9;QT2>*Z5)N*[`J0*>LJ6'6#4"4HP!F!^?/'%E(35+2--[!BY
MS%]`\8TTS7/%=NK0#J8&3M,N;7J91UMILZAEBHRG#^^KGB:XKWKFT(HBG^I0
MYO*]@2Q\D<+FY[?RG)@LZ<`RQ;VA2B9.IN'5%^T0.E+MM[0V@K%[.:(+O-BL
M\JW6<65J?:BD'2ES1(5/BLK.2LYYH6++TTK%5G:IE!@5/BDJ^[9R1JB`/,*N
M/-&,8Z];X,X-3FIM')\7F]?3V4PT=/:,)!8Z(E>K":5#)\O1NZSV$HY(TI<(
MJ=K(F&A8N<$:^\7LJ[+V*+_!7K$^-N!5?V_<ME\2POL]@U"L],9WFDG,):RP
MZ-J+N=I7D08AQS1J\#:0E_B84<BGV\']*3SL3^$]^([G/!A19_?=DP4O/!DU
M36.9Y]ULKNI+C+^Q"1`]A&!HQ]P0XYSEH,.0A;(:"-'QUE9$,W.*(`FU@ZBE
M96%_8&H2;<+($5TY`-!6&V?U/@2"2.O_^S2@&/Y!B;>XV)?)GIJ1H061"YJW
M9[`KPP<.%N_6FX*_K8I0'TTEZ[&LR0E[7I2<VW#\W$CFN./636Q\U]C_5R[J
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M9U<0*PTPF>81Y;.2#!.0]"R#P)>@FN*L<\+WCYNO7`[<=#^,JC<;3?:ST9*J
MHM@4JC6Q+E4E3F`_^(:8Y#.I$(K7SM[Z9H7WWG0>X#`+"1MBVA+N4[Q>?R^0
MEX1-+FT=!E*\7J_AGT#"E'082/%ZW24W*VVE[H=!%$'"6KXZW.`G+3\,H@@2
MUBL<,]1&;A(V4M=A$,6UA,WH$GIC27L^-V1"9;4W;BO_LIQOC9R)>4@;=ZN"
M6*\+58$365+$2766%#6;T9.&P[V#]\>L3L(,83%]@?FX`N\D!DD%%DXEL,.R
M>)2&_7L'O]45FZ=5<0R)?52<1&+O+,(3Z7C/++U@<X0O;]"(<JQ&4?PY3/0H
M7AU%=&<#`U\XQ;OCZ%&*]VB$.'JC<+H/ECZ:[J-*?V*GWPM4"9P^B$:(]">S
M_`-!/H'?)Y?^U'[OPWELOP^B$2Q]K6@#?`*_3R3]L?G<`_FW!:6K8.?:VQQK
M%.]([M/@E+GZGI7[\)>FG*=*T?.6\P29^0GUF6L^?D)]GBP+/S`DG<993YQ_
MGTK3.:;=^[/-4VDZQVP[=Z&+D&2?R*>+EEN?2M/YI-3^2>6I%'W*1#I$YOTB
ME7T#S^4EI-M]K,FJMR\M6E.?+XD"]IH<6[;N^"TGF0`@Q08@:1VZ@@*06RDY
MH;:Q62`:?\&RVU_O]67'=PY)O=4H[?TA_YQCXY]T*OM]U'M8T"V6HHAXL.I^
MK!YI?SCX47"_;-7FO8+[]W>=N^?V`_K6>[Q##[WV$[II/_T=O0QZMW]_![7V
MH58\^(I33'_F5$R'*N_LNNM2"'P*@5,Y+=G=/C%-.K2,R11]NO_V</.K4_B=
M(FJ-II^!EH'9^`VU]TT=S62BF>P_>,#J`*2-\I\:`Q6\>/541L^I!;^0#8CA
MK\2<VG=4O,`J-)/=\SV0;IDP.-BU_[UF0,`I@N_09=P,H<2_B<"O;4ZIKMJ<
M><\;RI3Q:LUUS3X(X*\L:*&Y;#B%ZS>)*3I[+!2HG\H+*-AO8%DAZI*%/.9"
M3#HH`8K&+(MQNF[B`HR,5)E2,B;8O@IGCAAD!.7K;>J?T4@V#.)4RA_I;IE]
M#)3L&O=CW4##)<-3DR?8KG^ZYFRC+K[S9/:T%5.LZ]`YRL!B8PG4WK?KZ\/A
M)T.B$G.YPMX3&1DR^]L`/6C0=U6.'X`V\6RN&W`X`HOS*I3#=]CP((#0!!1?
MI]@ELDGYE:BJQP=#;N@Q`R<UP#D*8]:,J==F>F001I7(#H(,,R`VUE75+DA^
MA3[)OSH8$,8>U%V%,P!<:5SVP,(T.!/`.8M@T\P8/?O("-=0X?K(J7'BJENV
MOY2WU>!8H#9A5@8DF$,B.#G!YHN%8\L1>\I(LI&0POD'"OHT_!7.+9@1=VG;
MU8)CXN`8?P(R2^>FYS*LE2J_(J9L`T_@V#$@O&;!=0+[P5YG)J.!W::N),YQ
M%:`Q]@LSG9F-S:>1`QAA8H],(*3B":'0=>&8J_M0G2EX-(53'^CJ"(:1Q5"9
M,8V"NT!7!T36YY/B4%7MM!TLRMX`Z1K"VBL?/=/=,&O3\R[G<`MMI%J*?9VY
MP?KFJ^QX'G!NXP3N8-N6O2T&CM'`%(8R!3&KPT1+X\"'6&G%9@+CG(VA3=:5
M@=M@M*"#>]VX9?P3$\Z6PQ1**%(XP02N,\MFR9/)=+R\<P""<XO&75MFKUQR
M9M2=-$^L-UO-JB"TI'C)H5^_R,?-92;3\5KILA%F011+5K/02CCUK/=RIZ&'
M<"G.10\\U^`3.(=/MZ+KQ"VYY%;4>';'IX%^@Y_Q@N!7K!S".[RG,XUBH'`.
M*.L]D<FF8P<I!2\\28<1#I>A2.BM]LP>C]X6I>#U62E#^#Q#=D]V^C$EHZE+
MAOZO<[:7NG1HT4-(QB+B#GXMGHUAS68KYMBWWRV\\GV`?\?BO)A(2KPH)$#2
MI]LQ@?(,@&2`U!,`Z=,M\F$,.0%YU*"></#FD@W>N]U2L<FX@_17F6@]#0[N
MZHW7E=IL@/QOI;W2&2QV<^-P"7]^CI4EM\-Q-L]ZR4:4G;<-$5ZW)'WY</SK
MENUCXM9R;)R,#D>FK\YL_.:<QPFRVR`D[^Z.R37X4%>48G[X[-,MLODF9[DH
ML/&18=MYE1L3-JG1/"?8X*,5@=N1/T$I!A\J9^65O)^$D<PK#)C=4]W.R[HD
ML;7K70FLRX?*F5F7CX11K"L4F&WKJI^7<66X1GAN@V,X5(EKB;6*,2#"@N`1
M4$'W/-.O6J-Q+&S`<E%@\TV_$A0P"D7Q5)$^/?.*F$?$3;!VSL7FS\RZ<LF^
M).F<4/--#U))MWP6#\X'-M]D+$$H*VS2FIIY99=_09&;LS*I#/.OO&(6'$-`
M-$NW*-!P:K1`U[Z[]X47G%-Q>\:#KDVPL?'04!B/I)WGR!IA#G6D-.7715[C
M=92!Y]TK(],X_8%_!&?(+OA_.$"TD2'9W#3N##^[A"X,A301/>'8*O`1IJTQ
M^2\^ND6:W9X=N">?I9P=HJ>>S)P=H(5:<LX?W0=,Z6`J>R-YFFB'T,YU;.-2
ML.T0><JOC;S&0O%#&5%<(\NQ4_C00`1WR&ZL_7"!:*-#><;F>-HP]=G>$SIX
M:*X/;VB/36S<$_83:S^Q;*Q/<_!@/X9(GOCR7+.^8^_'L%Y0*.N-9CT)EC[]
M@C>IU9KGCF5V(Q\OB+Q8)/B>L'DK&\:2:!/GK/1C8-PCEJ^7MW97D-(0H200
MY^7]TNY,YOU@G&54J/'UHL`ZP-I@:D`9D53";`BY$J[1%QG'G,)`<W>+63I"
ME`?H[&)!":`].MA&)/O>8D/.N.:5,G`)T[*(TI17`QDF%/EB[K=>L4W\)V'-
M`M=K?-IG-GO8K?`@VA5X13%D"<:'Q5R!R,)A=Z&HV5`(=;[86*3D.O[2BUPK
M+^GWDOBX<.P1R,UI7*QJ";#:8[I@X.7G:#6I=G;P9>N;=>'4@"VP.T0.CL-M
MCT[.XYV0(,8?8KW0@.;ASAMG`IXYG!FY=Z%LLJ=A+PU>X.0@^M#)S<F/L$@?
MM@L-9G[C-5^KOP],,QW$BX*B_VPW$9#^I,K@[/Z<EP#5_+Q>Y)-FZ64%-]L<
MOA!P_B#F%`J6V5$D+H!;G0ONY5N\%@2KXJ;D!40K(V?,!Y\?F$RF)E;:<`;#
M!*\:#+`Q"X0FH)]3K3'$WR+5>]RG<=VO_VP^"F(G!)D`]DX*2O`&ZFB@[-&X
M[DL_6X]"/1U0NMK(P#+%'>S\OZN]3'7#A%9@;UW[P!0XS`&0B-IXQ?P!3TFW
M^F>]L5$A*BJ'>2"06\U0<;.";I$0R.U@LUI-/!*!53%<Y[0-N]!PE]YZQ^:T
MZ9.NR:.1P9J\F,R5:,\8L-QGJ&(%B#[#D3K6B+D8=E%*CV#V[R>WS"<]QK<`
M9@DCN]/6E'O,-#)R#S:A[,(#*(D.Y#?[$",'O?]G[UF;TT:6_7ZK[G^8ZY/=
M<JH`(V'\RDFJB"$)=6UP87*RN=^$-(!.A,29D;"]O_YVST@@\08+(O#4[M8:
M&,U,/Z9?T^I><_1>!4VI7+Q(L-F:F]P/&O8G;<XORWIFT;`WD5,J"V;8.1IJ
MSW0P]-='A!R_UX-1OMP0#W*/^\/$WL[&QO)AWYC8V_&XN$X+$V$?WBH\!&K;
MK-(AOF1S9\L><F#H8I/"\%L.KM"WP+6PXT??"[CA6E7/<0P&2NK>8TEYDN;$
M>SUOB9JHNX#FD*FPM[-^'G]M3U$A287]R9G2'.6S8RI("=:BIL<L:DW,82'3
M$FA=.G*.S,AT\^\=@'](K;]W`/[>3DE>NYAS3);N+P%YU#5W43!R50CM53.D
MK5L_/91^7MR?5\?8>,7>8E@26'LPN%\-:(5/(G("`8M^3!^VZV($V*(U$WOF
MX;O,/>J:`J)F=](Y-MSZTC%R%V6M?%DHZ9>E5S?46S33IP?MYQBPI3O:-7RO
M:WFW:*9/#_IV\"UH`#3_I[W:J5<Q`VG^=EX+RB'ICZT`W&,XXVH#8MT;S]AD
ML>%AL0/#D>\A-+M5RNR1Z.C,F[$6Z0CB1D_L.N)9+A83?1`WVEP<#;+79"/`
M]O5X1,'H-`-\0)9]>)!MLK]XK$4'WDA4^#7<+T"XZ1BJQ%%JTZ6O5B[N(URE
MMLE91(9-.T''MFV17G0KNZ)C]\Y[PX9?1%/Y&*[6>T(R2+FHET'\@M#=B*OF
M/+:\M^MU$E/K;3&&C`:%R:W`1&:LNTEC3<"^;,!>!;P6;\&U;%=I0K<W!U\O
M:?N';F\"7R]>;PZ=YP(W=STVP)?/.*<^AS%.@&)Q_AT0_,#;ELR[V/KIU*79
MGX[_X7_R^6KSMOWSH4;Z_L`A#]\_W]5OR4G^[.Q'Z?;LK-JNDK^^M>_OB%8H
MDC8#6]J6ZN'LK-8X(7/,@';K[!GGTO#A\,^\'WNR8/G6"<GG_^SY'W`/ECW"
M/TGX-^'^BT-!MM4;^1_U:OO;#;DL7@V?/Y!V[:]VOG)7_]JX(2A,*#L9/PB`
M@#QE_A?P35#RRNG%3WT]FE),T&Y5&H]?FJW[&^)Z+OU`'BK5:KWQ-?^YV6XW
MX=O2T$^NY="N/QG6;C[<D#*.^=)LM&](QW,LHA6'_IFF#WV"015.&O2)M+R!
MX>;D%SGR"&JT.YGEKO8%GCU'L.XKK:]U6*8XC*W2JG_]U@Z_$WNI-ZJUAOQ&
M0GU1^-,8##^X'3[\,/FKT6SD'VHMA`^F(97'QUK[D=0;MW??<5[2;C6!Q+4J
MJ=8^MTFK]MAN?;]M?V_!;X^(K`XC9Q)S<R:?]]=IN]IZCT^>]?4QRH?I8[PT
MP?C^D*T7A\\2VW!L\\/QN26&.+C$8!0.X6#(;`X:V>N24_L]<40(Y`D;](H!
MGDL,!#P?ZGW2,;@-FSRUYPS&(\T,./;8D98,P6\E5D#)=9%8Q@LG'B,#C%H:
MG/@>L4,1A5_#'ES3'L+T0VE[R!5@B=BVY6KF^!I;S!,*'9",'9^PN-@A8.O!
M)*/WQ//[E!$L\D5@@.$#5$]HA)S&OS),V6:<^#(ADL"RU'0\#O9!#C:;YT%'
M^@3Q7[A8A6$<DE/.Q:80N>\+@JN&1\Q4[3YBPG&\)T2VCQ>C'`A)N?#*7:2:
M@3(3N<*DS,51[EQ&M",50N`XWDPA+B94EXE0L7XT$)&2?ZS_7TUB1F(I_Z5R
M7[_[>;,*16+LORJM>@7A=1$,YP/Y5ZW5KM]6[J+U477E.Y[O>X,00S,T%1/]
MJ$E,1O/,);3<;_OG76TR<!WB)ZDI((VHF=?/@1N*\K^U)/,SJ&3J.'QH8,=I
M3&<4GX>&946?GVS+[W\\`74<0SR;_&D)K3B1LTA)^67X>T2@4#4"QSZO0.WG
M9JM::XW1-:"6'0Q"!*]0J>3K]W:[UHJ4];)MF1["[>);4T</PEF<8FP.9+'3
M<X5\LA2X!).C-3&/<^_JC5K^6^(DG$SKZ56(OEB)Y_1PN0TBIJC<<0SS%]'@
M_''/L:V5B)(;GH^J"6TO!425-AA`M[7[SP!-2<L="($5J3<BM3S&Z`4I?&V$
M+UV=A_3I.P?J.3#.I]N2G<^(MM-Z@[2_-;\_5AK5QQRI_75;>V@3\`EOP4JI
M?*T]OE].W6C_GRNW__L5O,5&-7_;O&NV;@CK=4[UXGE.+Y=S\/_W)W.@7HKC
MI+&ES9I0>6WLWC9B#I-P6VZ2[FD&*;[5RLCMR77?;;#DVLLPO+S=Y@`M7>''
MMWJ[EG]\J-P*L_N)&<-5T(6,N&NT*H)FC:#K2IFGONW3G8H6O$2FS+0-YRTP
M'7SF/O/<'GYZ)]:=?$Z9$1-KY=-92\F83<C]+E6*YK-'LTP:*Q.)$H98\388
M(Z&=EWC0]`WPW\YT7$*T:+F+DJ[$R_&0]SQWH2_QTK,N;+:S6::<>C%)W*G?
M1`*U)E(F/_"8WS-Z:8B;55O\??RZ*B*R)W[>9!M+Q)E>NMZA.-N$BGL5=XJ]
M=L->6DZ[U@Z/@_9FVZ4I>=N>GXHCJ<["/D2MGKNZU)2H5>R5%GN5<U?:^>%Q
M4':B<<WYJ44JW)^6YWP0T6%%T",CJ(K3O4WF3%A;I?-S%:4['N*"6UE,U:T\
M!%M&1>G>K&V?%&87ER7E."KF2BU&IU\>'O^H")TZ"3N_#"EJETK0*O9*[S)$
MUZ\.CX,.QZH5\C7VYB#XT]*[=CU\C2WQ[N/D=5%U6+)X6)*R6-?578EBKO0D
M\=7,FR79YY_?:_*6`!Q+O*"]C4Q>XV7A71V7^,8S=EX6;6W/2=0;[6VAB#[/
M:<6]YPZMC\%]2^FC8KMMD[FWY:Q+L)1W?Y>=/O-DYS)[F=@UX%\LQH&LB+5"
MA(V<(RX5GP*7&DS4]1+UAG*B*L:"LALI7R2\I2N,I/`L%LKZ'SL4GNJ&:M\W
M5(5B<?<$_.,U`NI,U%F9?(R7OSK.$C>WWF!HN"^D;U@`2!@;6%C:"*0F`;&'
MDM+VK'$]')",LDK2$\7Z1QA.$%4UPQ)(QU\L"&M,VMQ'Y?%D^WU$`1;HC,HT
M,=H+',/WV`OI!;:%599R`H^?#?<7_&IZ/=?^&ZLMH=4/N*3N^.><0#H,<;V!
M;2(E'-H3(1V#PZKP?Y@9ZSIY\'3'8\P#(@AN_T?I^@,G7=N%]3"KPK*[7=L,
M'*R4FB,]9KBH^&3](LZQE!',@<M&L\`'`P#R`L<2X2+Y%KSS0CJB%A:W+2"O
M52`MV!"S')@$E:4O"B>Q`?X=FUNL1ZT)W+$]>IU_4Q,+=&)$RNMVJ2QPM;#\
M%8P+:VS)_EF2)YG7D>7S7W!I1L-:6]&>YN`&N?WXF;/M)0DFN2P'"`%.'1,L
MJG1E,K##F&V000!"`!X<4'^Z:%6B&E66\)2H$95^92BM6/PC9J*.K=F9@EPS
MRLP;+BB8M5YMK$0Q"D3+/$,Y-`-T+23\!J:#?CY=PW&L4,4LG<!QELPR]\&$
M)(F8B3ZCZJ`N8GJ!:/J`(G,#):V843'C6LRXH39=H#-2U*?"@WRR07\E%>H&
MS']\VNJ+88*AQ"6N;->R35&^<H)$4/UK2)$PD`IV5B?P1?5.Q+AC#VQ)7J72
ME!1YG4H#/C0#QL#"!(L8[%:+=@W@/2PI"^-L)JS+4_Y^$X=3<:'BPLVXL&^@
M2D(?"15;!U0<"X:^^:*X3G'=;KG.=GF`^M9&']LT>)]TP844?CFG;&2;=$H.
MBE4"G"LR\(,81RI.59RZ&RT=N()K@"^]#K8R`2,_M!G1>F3>(+S*X5[`3`S"
M@;U(!@;[17W"T/CD8#4Z!L,9\#.,&!GP13BIK!^?"%5Y3-GPLS:\^)3PCU",
M="@=!P>5T:[$P<[%0<1KACOIT2"..8OZR\A3[=`1=8`]0:G%I0$7AI8(2(M0
M?R0<F,U_Q52<QY2&4RR];Y8&1A7!>P?_D+T]+61M^NQ3%T5N#D->XT]1]-_`
M]]WLOV4_BZ%CB!,P9-[(MFC4L@1#8S;M%L@7;&@2L*'':7C?`SL8>HYMON36
MV`$0W'%(C[J4B;ND4.03O(1<MFFQSUZ/T9Y(M>B2`09ZAHZ,G(4-WA;-P'-2
M^]!GDP*>-%W>:Q9(9:JIBA@%7\'<:.%*(<'MGFN#I0M(AH/O&,+=#]&2(W:!
M%L8SRH@BA_5LF6+M4E1V!K,!5''O4B#UQ(01>L7$\+QI!FQR`VB(1G\1G1)I
MW%$K&<(#<7T611O#'?*IC8O()J(H'!:X0\.V8JUI8.<FMI7VD3!D9#A!F.@B
M""9Q,A<EO`_<TP5BXJ\XM<?L'AA82%UN]D&JHET4:YX3066%*YR%Y!WCUK=%
M;LX2J,,;Z-5@=AG]3X`]2G&V2?>=^#8G3!/N8_Q#_%R\;8NN+<@#K`&$D6("
MT`E<*@QG8_;]`B2,O,Q&_-O822@*<(\?1XZ)KA^!,62O(=-F9C"0G8B0M4'(
M!;)')XX;>)8@M"`(:8"G";\X\GE/B,+8)D=TT29%<@*/SF,%=C,2TB@22]B(
MSK%=&C&TO"\0_,&Q39Y8Q/9"4/!,++\I@,<MT6"-6!Z5<L$(?`\;")GBF`PH
MRER4/=.B?56H^P7V;V)[;$0$".`E1(HC;T(?VQUYSDCD'H`9TT/@0,@*U/T[
ML$2_MN._(J^`\A%LF\`1H([11?=`$UT$)!+-L@1.P5VAF#WS3B\7<\5B44K0
M\41BD4G8>!!VUQ3W1MC#UK3_QF9E+-X'#"U+-#V!PJ&V>1Q2P07W,(O0CX^R
M>9=E,/%P%7Q1OQLX0G%.+2ZD>0>[E*'8%$;#XI4-F<+2]2F;.7^".U%-1!=F
M$>O)Q5P:QB21R:(YHY.+XH0C$/`5J=S=X=FD;"03C&0.DEQ*MD'#5/@)YI_@
MFW>E\_,Q>M]IA3(!*]S!71G"**F"VL7VK]A`AF"7$3$0VV?D<*VA3#=Q7HZ?
MM>?T,4-*&;;#!9T`MX)M9S%V:J$YP+B4@E[``86SG=]4`[/,-3"[*%[%7:F8
M5[&A[W)XW;\4"%D`(=V61*_LK[2B9=&=T#93;\)RT?Y[)64RT+DH*YVI_H%:
M5^!286U]K-U*2Y!\-AQT>!3J-D#=Y!KAJPQ_+9="V:QRIXK<I?R62:HO,:M7
MA/;2R0:K@)3W\&J0(ERZIVZ\3"U^H9`(P6>/J.N^[J7\6N779L>C4B!D`82#
M]&N53ZM\6N73'@;JE$^KK&OETQZ#3ZM=9+`8^Q%233FTV2FPA%4P`M`$BNV4
MI'^#Q%,2__"H=_`2_^U5K-HFF4E7R4PJZ'MPX48%0A9`.,B@KTIF4H%?%?@]
M'-2IP*_R268]RE3K?2N'<C_)3*7<Y:6*XQS<J3OJ2(#R:Y5?FQV/2H&0!1`.
MTJ]5/JWR:95/>QBH4SZMLJ[5%?<Q^+3:Q;6BVJ$=N8-W:%4RTR&R74QJ9(^]
M%/'6)EY)4>_0J'?P$E\E,ZV3S*2I9"85]#VX<*,"(0L@J*#OFXK!J:"O"OJJ
MH*\*^OYN;[*</;_C"(F7<B*3GKNZ5%69#N[4J2C`044!ZBZ1K1.BFO>R7K<L
M@MTW1E1V2!J7PT:7?T%;='`V>=@*G>9%P>NAQ_W\^-&.M&>XZ*R$X[@QH,=?
M`;L),&-U^[`M0:R^N<&C7NBBB4FR2GG4]P)KM)/`]6V'6)X98$%\),,`^Z-0
MT8LB[!(PJ<X/:+?]6'^5<4%_'@R''O-%,X2N;5'7C-IBP5*35AQ(NG%OHJA@
MNVC7842U_D5_"\H&V,/$DLT%L).`[&QA!AP.;-1V6S`1<`0:,1W'YGU1]!V;
M<?R"KW$^L4]`O_,RZ2J27&FZ#4?4S4/N091M-\C`=NT!>+<P&[>?DWU98'R?
M(XB>Z*.6;`:!CP.BO5'4YT'02K1FB[_(@I7DI0]8(-\`GR/*<A%A!99P5[8;
MB.8?@#%OWGLPDI0YN0/N(_U$'R<O8.,N-C.]#@<&=JA9!N`8;])?!=3A49-3
MXW023R$_X(Z/_]S-BV\.L=`_HDER%.))R+01,%=TEJ3HD[VR410N[@00'CR8
M=&1[0%I-CQ@-3U#8D!?E9-3<!Q:'5?$(XF?90X:34Q5&56'4`PG@*1"R`$*Z
M8=37A4FS[2EE+U"E:0*DG]1@A+JH?N(7;`=":47S+8*3V-5&X6LC?"W)UE3X
MFH.OF9RG["2TX;2B'6UKCMD-CDEH+LN;(C$0_^HP<A8#)EN,D.4P7"R0NIG<
M5G%515!%4$70[9.C7WUU.J4SA6Z*Z\RDVM&S<;6Z:M._C[=7F2!K\CY\YC[S
MW-[DKF_R>4MNW61K\?.2V(N6.[\JIK.?N:=G$\KN55P>.\MM>Z&\)5>5KU/-
M$U!L\S;81LN5EOFI666<W7J&<V$H`0R6N#N>UN&EI3J\[?F&LRO&CV\J8YR_
M:&M94-*+]I8M+;T^!O<M;X^*[5*5N&MPUCXTM6*=HV2=_6CK])GG[6:H51QG
M*N\"\\=L%Z"VK0"SC@@=&4Y@8*H%IO+8@Z%A,Q%7QCP,`QQ]1_QH8#*(R(NQ
M^3C[(X=Y'2ZE\&=ASEI`3[,?R^4(<SZ,CC>B85))WYB_B&'1_^"N,!T(\T[8
MB,I,)=>W,=$*1SL>YY2_C62<6P\(X[X@\@/7>$(J>EV"WQCC%+(P^T9B'4<P
MP*&-`1M`(K4!]0Q3J\R^P7K4RGO=+D&,6I8<@:3!G*LA98#I`6;9&(!@'WX#
M$Y(3R^8FH!S)A`0LD*:8,18)(MZ3BV2>,`B^`RFSIC`="W:LO2==8#""3$<Q
M*2O@^+`]$!0U/8[Y11[AU'%RN#O]/3$-QEYP-_CKVZ#V=.H54$$DZOG]G#@%
M(G,JS(#"PVPB]G+D%+"+/_48G(Q)%J+MFMX@3%9\\@+'BN6F3O*XNHF$NRB'
MU9+#S/"UFOD9<D!/#]2$C3PHD^50=HP?]@(?$V1E0F*?>4&O#U_%@$!"<QMG
M#*<1F86PHSYUI%@:&LR/,O#D,P"M+J$U!EX@K\&F(39,7\JX,90P+0_@=`CP
M<F*;IR4YC4LQ']<*3+FX.SN;[S.[$TB*((^.)U)I9RKM++L)3PJ$+("0T62D
M#-X[9B]%)$H[JU5:I`;"ITJJM=O:_6<`2Z6='2G-5=J92CO+0MJ9DA_;T'<.
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MU\5B<8*@S;?X>Y&CK8$<?8(<;1/D7.KZ>8K(";!42K-[BPE3-H6'?V"N8`T^
M^"_-(99THR$RUAF9*F<,`T;CT!=//I4CL-?93`Q,D9?XV7!_-3$=\<[NTKK+
M`X97&W49ID(05X["_9XO!@]+W$GHBAK^ZWM3L)YO0N@K39O0>>76=@-L>36P
M>@+8&%>7-P+VHO3;@;U8#:R6`%:;`'NQ$;!7Y5<`BWF_C/:Q&.PH''+G<?Z9
M@A2@+9HL>\DGX&_VG&37\XMRH719?@V_STZQ##5Y_7J&$S;;^&]%%T#_:GS-
MSK$,8;IV,2TF#@=?>Y*D^:NBGA:.'L+*H&VO8HI4^A;M!8[A>^SET??`"$:$
MK!JT5^C+5Q<Q<;-J:[L`=4J+/'/[QK6=CR=@DM!TE<KSP''Y#2SP\:3O^\.;
ML[.GIZ?"4ZG@L=X9\(!V]M?]W:/9IP,C']5H/B%GNP#Z8F.@MU4N*0!-&7JO
M1H\VN_5Q&:E'K.UAHWGUX#&_ZSFVUQ+O9`@4;/2(-/3*VKE6T/3+R\VLPSF/
M+;01]9-/Q<+5=<3L&VURWPC1UD;(E*^P"4)*B)!K73\(C`C0+K=CD>G'EF,$
M9D@3(W=4O,L"B@2^`8WRA5*0$>)ECFE,+!XJ)7NYJ)<!GLO2*W3#G#E6H*-8
MGH..Q5N-HX'1+F6,6D+RM:A%!T-4F@_,-NED-HF']<:&K+`<$0M980/8P:/4
M(KC7VUH,\!8UG)IXR0V;RPKW&L:+]DQ38*\U<J>NLQ"+Q8CEU]K/;B%-+4(R
M'U)]:T@C/2YC*5\,F_T+WTNLRC<=`Q;!N7*<))"NE:X*VO7UU694G?/8,A/O
M(F'@KK&YW8&LK0WR%'DW!;E4/,\(R&+OUU-[7V+O+2'Z]"QI&WJ[(/8VD,_2
M_L`@QSWKJ=!\9I:,0ZYM"_D,S0\-\M2T<]8E>$JJ.76I#;K>[!L<+-,?!L-^
MA/RQ;[#P?F+QS[N+[7(Q_[1%6=+T<@S&1=N*@89<;`4.#*F(-]?Y)`)%K6;@
MP_>F&0R"_V?O6GL31[;M]RO=_U!J34L9J1+\`LSHG)%HH'NX)PD1T/?,?'2@
M2*QC;*YMTMWSZV^531XTA`!QF;*]-*U12#>&JKUJ5]7>:Z^=2&)LQJ]$Y&HL
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MGYI/)`&9QT85P6+5-W`#ZTJ6RG[UA;J5^S<?XYW#KQV)8%`J.Y9("3E>(L,5
M/<6/UT:N(I8@ZH_J2ABT^(67DH09RE[;E+.\N=BI"EC25&;@'%A'**LH;L^O
MD99IK1U!DG*MI^9?ST</TOX\.CW69'G<7(]]15&]*<C>G[47/)V7JY0%GSXF
M:2%!;A.V)(F=[SBWX=Q6D9KTAOP"-D@:E/;T=A,&#VXD"NP3:?V5#+?SG;#O
M"^9'.XKL5<66HFT,X7-+Y'//=%.!7G*X-!?6[8I+L^@5D.U)52T'*[_G>'L>
MA+'[=]J+(>TQ[HKN'K?,YS_%2;YG+9%F;"32D`FI2N`<!H5!85"5#7JB0.ON
M!N.]I\Y/HOO.(S,#.#P&APU[1Z<"N!$US??T,2/'<T*1Q1$,$S9?>,$/QA[/
M6CM6A>KN)(MSZFX?<A.ZHGT8"Q_<"4MZQ`&$Q_J0,UV3#S4D:N!$E(XF[O8W
MST4):7O,*L6!BA9)!/E&+?P4*XZ8GSNM6FP1!)M,;W[99JEQ\P.[I@C'-"1]
MRW14,PS[]#LJ#FN%/:Q5EVL#4N.I5TK!?*UER>_H`%9C:3UM%>@U:C5K2J\(
MX88<L]CIXGM&%BQT`VD]%]$"Y1TM4$PMT_ZBZ)XC^ZOE[6[?_AXY^MO3-=-9
M4T-*/GI#G6BK$-&F-,NFZ)"0O$A=;$TW^`C?D%/:H5&4O3*1KFD?/VS9DC8$
MH38L'"Q>$6S:3YMI3>!#3,NV+>Y1,H@/Z,!5:6@_*V@]8>A1<67KV[>^8Z5H
M)M1%%D[(?<<]$PH<KC\56R$CDY!-W3BZ.`!\P%MU\&8<BK>QP->AXDW$$<J+
M23LF(8F>".$D?[V,GSC4@N66'M;<R1.16E!6R%G$&+D.Q)G72LYUPG2I?AV9
MIII2OQZ"[V.:DV4N(;A=]#"*EJG:=O0U8M-QT'&\2?+,3^F$#&X]]RX]X>[6
M.3SZ09`V?.,P!FG#XD@;UJV7_GR+BU-//JR9?.._>NTAZ?$A=TFWU^E=?>*G
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M"?=Y&%*%2!5BLR[\-H$AJ#`$;-;[FEB]A*2N(VE?-9LC:9]5TA[SM7.^-NK1
MX#^*0')8[0E@.2#87-BD.`P*@\*@*AL4M)72X<Y;IZUHH*V4R;S613/3!BX9
MT59@P;TM6+\P5+2@DG>)WO<%FX@:P9#%R]`7_5D7GK,2AX6>?5:[A/W(A<,F
M40KKVKEP&V'`BAE0G<O"4"@3!+.D!)SY45H#[OJ3D#F[U.B`.S!4*VQ=-1FJ
M,&#!#7AJ&MP^5+/M5+@'QK\,&[))$$[9M.\_L"@6WZWO]^<+QPW9]#)P_*CM
M3X<L$>;H"ZSQ?]1/)%#%&^]\]V_^;7:2Y"1]#.AS1]+GP(O+CQ?7T&SPXC`$
M\.+NUG-""AZ"U..P@!=7/9N#%W?D?($7!U[<R>V;'R^N?TW&?PR^CMK7W8(0
MXU;W0.*N+GWDUO$<?\)`BLLJ>ED(R@T,"H/"H"H;5)T\5R>8SUDX<1VO"J#S
M7B:?TF82[\X\[97H6MTUD.;*U=['M@O9;M)=]T4835&CU34%K:;DY>%Y)R">
M2!:1B$V6R27B!PD9_RV+8A"G,^0^4*O>PJY0'O.:M%G/M&4]+)@W]9U:306;
M<1>GE6@G\*,EWT4R0$)AVC\6K'WH^B9D-B7N0&@M6C%L97K4!GHJAI[SXJ&G
MF`UIG])$3SQ!T?#L*6F4W/YDK1,E>XH>VXY62CSQV%ZU/]\NZYK,VR5:V9X.
M=KEW0:;-9J:L<("G.N"Q:,O>01Q2%CSJI.@>N?JB_"R8,]%)?L76!Z\CJ\AL
M(;+&,"@,"H.J;%#%$WM5P)^,*]E>-ZYSB;<MN)M<R`*91J!@LWQ8.4WUC*;.
MW0&DCGQ)':N:#^P"9;`MMH,"&T]77<@B_WP12!UE39VN;T(RN>;(RE<,6@7,
MR@,]0(^JE[=,B1RO9X:$CJU#)DYT3VZ=R(W$:Q`\RD3PT*V\=WDDZ$N9H)?O
MH@&<4@)';V0:>CT!K^,G+<EWRD=*$F'<*BS9N7?\.Q;U_2Z;L3`4[_G.HITB
MD?N\!8*/;W@!"#Z>7O`1C9"+/`1%-;`4C+.KIVS63$8$L<0*F1QBB4?.UP;G
M&>NA".)_J8LKH/;?5U_P.9+8WYWC^M'+8*#K)WU,0G;/^`GY@:WBA2I:O#1T
M0)W66W6)(3KP"?*AES4R+5XI0HKB$*]S(QQ*X)/@UG/OTB9)P8S$]XQ,V<SU
M!=$L;9B1=M7S@YC\8/%/OJDZWB@7#MJ93DU+^Q6^IS0&;N;1SU.6$U**R_08
M^R2+,'AP$]<U"\+'_&DL(J*R<@U@$V1,<SHSJ%Z7ZN=`5ZD8P`2DM`W9_OPA
M]*M:)\),22O7_/PW99DUTBQ_7E?*'38;$@H_:MJM>NXN&(2"4A(*.)H,/5,%
MS2/1\R[WFRFI8)^D_6Z"0,^9W'>"^2+P^<</9NW)9#E/FEI.!_R:'G9>Q@53
M(L)E$.W)),CBV:`<'$DY>/',74\`,P',!#`3*C($17.,"@;^5,T<B]O1BU3>
MER25Y_A3(G9.EO#XGYF%W#-/EB'??_A?M#^/DK/Y<I$>S%>'\O0E++"_!;JK
MQ,6JT_=3BJ,?LWF$*<YBBL=!O"E&HV16_5/:0(\X,?D?QU\ZX0^B4Z(J'4;I
M3"JQJ&YE&EM#&BH?PYVU:-W(H9K^X&LW3/>FZ>K4S*.EA6(!ZW47;^QT\4FH
M8BL_BIQY_-#U*[EELR!,JBL])XK<F3M)F`Y99`I5AZ,LQL*905N-'#ISP:7(
MLZ%!]0;V\R);\,S6<F"W2=L;<F:6[-Y&VO-@Z<?1BUV"WR%%])HXSV%Q$FS9
M;,0FDP&4P`F0Q`G0S4S95SDQ`H`@91!D97OM!2NI8O@QM4;Q\*-2T\+=.[<(
MN4^682@"Z@L6NL'V;7KM3HC5HNQJ.3.IUK)/OV"P8Q<70P9M9'LSPIY=,02=
M62T%-NV"7;V/I12_R-)UV83-;_GF;6:7IP/3,W/I**I9\IO%@B9<2O"<-6A+
MEW_`DT`3!GQ4@$^=VDWY$;U\6>9K;/(URN]V"NY6MNT^S%K!`DJWXYIN\"&^
MP1G>0<3-GGZK:]K'E_S;5UG/&R8.%J^PDO<C(*]QGL2T;#L./9)*^8`.7(J&
M]C--_`E$CR2TK6_?^H['/(7KDX4C8A[W3/`*77\JTMJB;O_6C:.+`["7485#
M%L4$6TLANFP11&Y\Z3JWKI>0)7=6-[SUSU&P<&3!`BH14(D`&C]H_%D>5M5C
M.*<"8NTQM!%+;VIH(QXY7]!&A#9BGE4<7<8/D=/?Q--O0U)[\675,FE!:(.'
MK1#P0&'0`C!*#F*,!/ZY^]A[Z98Y(;]]50%^WLG$5.L6U589>4@:%KD@2:\W
MJ&'D4/DAR[MD?'#9[6CZ%70RN6BDVA9M&0WXD_+8MZ'39C-3\:CBG5IVWX)&
MS@-W(:A:S,R'-&FC#HGW$MG7;M",BWT*?3;9[4ZN`I_](',G_`^+@;F,?(JA
MMZB]4J"%4RF%@0U=$(YRD,\H[LFDP\(XE540"E<S,DTI&(*C,F5^,'?]5'!!
M_-TONJ913=-($))Y$*)M1%:NQVI2PV["\Y3'OF:=FF8.XB_*'F>R[!R1RL3$
M;B:-:E!UDT>#"*.A4;LN\S"%LJZ*`<RP-6JVY)>NE*$<^]AJKD0=\O$,*$T9
MI50U%.M^3ZD6$7;=HG5#9NH.M5_5*=ZQ^9FV::K0(^(]#CC3`HJWZA6VUD1\
M=MSP?QUOR7^\\1R_'44LWET6L<<[4!F!R@CE*R,:FOU*903X^54@(:<DUK]Z
M[2'I<?ATP=,OO<G!TS]ROL#3!T\_SY3R)7M@'M%!U,\H`5`,7C<,6C*#JD/4
M[SC1?=(]:2)^8/^W=!\<C^.E"B2X;(G;Y^K!##8KGLV49-EW@SF+8G>2.`@1
M0*L`TG*BL]&F!3);B<QKT::I8,\/=4X<2<5.2E=S/#B4K!V*3JVF#8=2&O.:
M9J8JN24^I%PMXR7W*+.E/XUJO?%G^)3,#BD:/Z58<"KEL:]NTGJCP(Y%/N,^
MC;0:B+16*C`'@Y;,H(HRZ=\(R@;A(@B%UNQMP`\S&4`%;.<\Z/0Z-0V9Y<X@
MTU<,7@9MJM!:4:U3G`0J_<QQ0_(@N)NB@'+A.3YQ$OJFK+51*HKSNA-4BEMO
M-*AARPR'@5I?'6J]P??WA@IM5=[CCS-EUN]!>=].KG=]QQ<\Y"&;,/=!O.&&
MA;,@G//?M?WI=>`OGE[O)MT?_R20\8\DX[]XYJXG@+,/SCXX^WER]M]L[:>H
MB6'L@XR=+F2^^0O7QET(9FW_6;L>7)^OA?1?GT8L%E#Y#SSD'Q)Y&#)!?XEB
M)V;G\R",[YR[2D@UR0@6[!<+,"UJU36)P0#DH)0SNDZ-E<"3RB8_0<#T2)&G
M3N!'RSD+D310-FGPTP*H4ULS\XZ`(BE5%7PUBJ\>=EJ.P+LR5\@3%#P_5=<X
MG')WSTA051UX.C4UF5>ATV>V:J^D09"R4#UE<>!R+E[WXA(,0='@J(*A%/4B
MX=N319"R*:6QD2Q"LJ@@BP7)(B2+I+;6-/1&UMKD2/GDU!65ZJW*R2H@<5.I
MP+K>I);6+%[\'!!2!T(E;KR!](L*2Z$`91JF26TMTW:"2*)4!SZZ<"X%!,^^
MJ9!W5OP<7V^SM1+HRHF78:(`-IB)#,JJ5P=_-?#9'TM_&K+I^#Y81HX_'817
M0<AVE@.]]W&H"3JR)@B9L_PR9QQFBA7[O#,F^T8\\ZH]_CKDLT?XQ*H8.5$U
M?%W`..?X/F2,S+G+O8]$_V*/1960<?-.Q8]N4K-5=7[T04UN'T2/VP2E_/_!
M\NZ>1.[W%6*K@-3<!`<;,EEQ!8M<'(Q0@<E'?,;?F/?``-%L(6K2EJ5^+_CB
MY"=2QYHQ5!%FSJG$1)>J.8TX-.+0I69C6TUJV#)WD]/'(-\7=GQO7.^@V.-1
M$4;$$1%'K&`<$53V7$.AHBLO8J`'Q$`'XS_X.,;]JQ[I]FX&H_YXA.G;?_HZ
MXGM\YM]DW!N1P>?'.10__J)K&M4TC0R&Y&HP[,E=5F!$J\^(EA]]Y8>D':GY
M\D2P9-Q4]KO*&S9M2M4P!V%:.:.;!M6U\B2!<HVV<X^T0Z"]/.#,):9N&=1J
MJ1]4AWV/W5U,:NKJ"[`I==[9T:0+Z#LTJ:R9ZB>58=]CO0NMU]5OI:SJ*69'
MW1%P>!@.==JPT2VSM/8U=/6/J$H=87:T3`'T#G,M&JU;ZN]QL.^^]CU7SWB*
M=LQ\T\NTB.-/B3.+4>->&.:8U:1FL_@"LL"7HOC2\]>XK'PS35F+`US$?+B(
M1D.CMM1`"JKI`;SMAP&08%^\V)L$NP?5=:TL/VW3V?<GWE)0`L=A,OPNNXV'
MC,_\<B(^QK_;S8/-X(D@R8(D"Y)L%4FRT'O.D\J9<OS:8]+M=7I7G_AH3)T6
MQ,`P]4&F3I?QMM:OF*^=\P7U\[+0ERGI_=GIW8P?S^OM+[V"B)_P(_6Y,YF$
M2\<C7L"/ETFEQY/XN(H6+T:6Y<`%A+09#%J`T.UAZL_S.0LG;B;A6>5!)R/&
MM5<(ZUQB]`H^)A>E^2IGY(_S*.E9A41LL@S9E-S^(.%SMXH*X"\O=FO#-.!>
MRF->BS8,!5N1%$<Q2E)/'#`S<F%F4,.467((XD_%X)5Y@R"UV#U*L2VE\GRP
M%C)VM0:UP;$$O+*#5YW:NV0X5$60.M&X07S/PI>W9!)\\]D4X?ZL;LZ%B`[#
MH"4S*.)TU03GVFG+M%#Z6R+C\FNEAKZSB-)5Y6R_[LP:39EZ*;@X5@Q<NE'`
M[L:(T&$E2$^&:%(U1>!H*P8OG1K&#M4551%4G%-MXE_Y_?FQN(W?I]/;M1_$
MQ/5%G<X3E?=LW!UN$)"Q6)19+.N^V#"0*P&XLO/$]D9EB?KX*7`GK,3S/A<F
M$R>I3.8N>56:3+@SEK5<(!20DU"`9+ERZ%.<#G;'DKF/15:3GY3EY[+EBDR<
M-IF]R^TZ_`_AOQ90),$L/2-3XK/DU=)G3NCSHS/WSL&<T43`+=B>&\\XD5"E
M%,:Z\]0NZL9'B<X3&:J\,U07*Y$SJ0;\^!X'E:D*3@;",ULE<FY"=^Z$/T8L
M^5;18';)G=5-$,8S?K0.=FKA'/)6B-X<*7KSXIF[G@!MG/RT<1J:_6+B7XHD
M'.ACBZ>'@R%@"!C"MKO(EI%!&^J8B<A%`$=O)4/Z21R*;%,04M3,Y3%XE@8]
MI*,G3%G,M;MJT3NXNN)WLG[[$K-VS*R1RP$_KY-1K_-UV.N23W^188__MC<:
MM\<;38TQI:]/J9@V\4V?*EC2*3P7W:''7]I?,)D'X?-Z])4C%'.V_YR-!^--
M)YA;+G/+0`X)HU]"\*UR!4,P*`P*@\*@,"@,"H,6G0C1]Z?N@SM=.I[W@[`'
MQULZ,9N261`2=[YPW%`DM*J`1P_RFU5R/R<SMTDUK0Z35\GD6.&5,G<#O8XK
M96_NT1L-Y4U>R(K@3N!Y;!*[#TSNZ12%1+E4#!L:U369>M"H5*LTP"S-I@U;
MIB\&P"H-,,.L<X!!`AH`D[5%UJFM0;X(^)*$KZ:M4</6"@^P$XANO*_".RDB
ME+5,2E5,*^4BGTT-]XDN,*CBKCKP+%VGC5;N&B\`7M6!=Z(+#X!7=>")BU!#
MIB@U<`?<;;T@F=2T<@\ARM5:^4G*H/9*U?LQ%>HV"M1C%*BCKAA#P!`PA)U1
MNBTC0XV]LM5IAHD:>U4,GJ5!46-?_K6+&GO4V"LTI:BQ1XW]2>>L?7DYZ+3'
M_<$U?^J0?.E=]X9\)0_[HW]A&BLB5=#VO.";XT]8PAX6Z7C^ORABD"^H5NDE
M#`J#PJ`P*`P*@\*@,"@,>L`A7KX>Q6C!)N[,G8@V=2Q\8,3AY_:)(]3;JX!"
M#S7J57(Z)S.WK<MD,</@RAD<Z[M2YH8$1:7,C=5=*7/;NLP2T0KKC7QA/@O3
M'MG97SY0X9I+B3ZUK=SK!E!`715X651KHCX?\)($+YT:C>)7YP->JL++E"D]
M"G!5&ERM)H21`"Y9X*)&_OH'D*UQ7F/-R5HXJ'/.2=CA%-=DE-=7'786M>W<
MCZ"`7=5A=Y)K-6!7>=B9)1`2`>B*!;H37,,!NJJ#3A?"F"6X3^2DFI1>O2&;
M!-DD2,5@"!@"-(=09LYMJ[?2<OU-S2&C(&8NC\&S-"@TA\J_=J$Y!,TAA:84
MFD/0'#KIG)U6+.>03/^E:$T#%9Q#I[C0!=\P*`P*@\*@,"@,"H.J2.8\Y`37
M]Z?N@SM=.I[<-NFJX_&73&%XKA[D8+.W7(=%FZT-@7H83GG#8;$5SV:;G2!@
M-.6-QCVDK374,UPA]2(Z@>>Q2>P^,+D'+]28R:DQTS6#VL9&<EG]0C)@2!D,
MF4V;UJU,/2HP5#$,&7J3UFT+&`*&CM_+FM32FH`0('0TA)IZ@YKU5O$P5+BZ
M>E%)CQIZF;??8^M:\KH2H&:JE/`Q1?]X4[X+!7Q*"9^\+@*`3RGA(^X`A@;T
M`#W'H*=IZ%1OU`L(GYS*=FU4[<:HVD6Q)8:`(6`(.V-06T:&PF-E2W8,$X7'
M530X"I/+;VH4)J,P6:$I16$R"I-/.F?MR\M!ISWN#Z[Y4X?D2^^Z-^0K>=@?
M_0O36,;Z[O9K&NZH^3YTV@M=KP:#PJ`P*`P*@\*@,"@,"H,><&*77\0_6K")
M.W,G<IH/JXY"5!-7W69$IW5;P<)4&`Z+#3:#S6`SV*PTFUHAU1:^,)^%CB?G
M@(R:0DFES;3>0G$\$'0\@AK4T.77-`!!Y460:/]9P*IF($@=!-7A@8"?=R@K
M-(`?X.<=_D>C+5M^91Z$.9S7R%*R%@<J5M]3+I_+Y1+ESJ4$3Y,V`1Z`YTBE
MA5RNE`!/.<&3PVT2T"DE=/*X2`(ZI82.SD_+3;V`Z-E7W84_L^=//X?.G9!=
M7SWUYW_T^.(?-2<*'WX;3>[9=.FQP>PF=.=.^&/$DG='@YGHBW@3A/&,7XB#
ML?C8,9^13UXP^<_O__U?A/SCIP<,V20(IVS:]Q]8%(N']/VDMV([&H?)A'39
M;3SD?Q<N)_$R=/V[]:<2=_K/#QD^[\*JUZT+[?D_4<3D"[,.V>R?'V9A,#\W
M--T\UW3Q)P[25[IQ;NH;[^7O_GTUR=U!9_S738_<QW./W'S]=-GOD`_GM=J_
MS4ZMUAUWR9]_C*\NB7ZAD7'(OZ\K4K2.5ZOUKC^0#_=QO/BM5OOV[=O%-_,B
M".]JXV'MNWB6+MZ\^O$\?O'.BVD\_4">#?J*I,]5__I\M8B;FBV6\1L^8A0[
M8;R.EW1-O*+_DP80(``$`2"(GI1F"(JJ/+S_F%*!4EQ=3X;T%W-"PGR^5Y(N
MF[#Y+0N%?DM!+`V;'V3S=#V+DPKFZZ#YVJ%IC?G:,E\;5R5U:H7$8Y?BI\<[
M`G&?+@DDF)$IFSE++TZ35LO'8S-*_0\P1Z&KVF!0&!0&5=F@BA+PC3?:'<[G
M+)RXJP8F)&*39<@WG]L?)&3\EWP'<F(F*_A;)AH1?QW%8>#?/0>"GU]G&1=^
MFUJT_EUT:ME:-M\'S#65()=IMN%M5-5;!62K`3:GAHU.S5WW5%6!HQ3-T7R;
MYB@+^*7*S^:W2>^1O%5@EP8MH)2T@#QV:D"GE-#)9[?.E5#R/@[)NRD;_\_>
MM38W:FS;[[?J_@=J[KE52A6R:1X"S4U2I9'EB6MLRV4KF9./C-2RN4&@`/*,
M\^M/-\C66Y8PX`;6R:G$DGCLO=?:37?3>_7RPI('/X@&-)CP4RX\?@J_X%?*
MXT]'G4?*C*3\@&3=R,&'9[XLY(:</4?B8".*<M1XW5%UQ5%UX:A1)D=;KSM*
M5APE"T=;&XYJ;W)T\!#0\,%W1S<T</S1C1U&9S-Z[@=?`Y;0_?&X/SYW/-OC
M:T-8RE#G,5YPPYU.=VKVE&XKSQ%(9]%R-)P)=9]N[*=D79G7998%]C".:LBN
M<^5XSF0V85_S^;3(>:17[(B'\(;=+ACX_'MGQ,+,UT*QPV_IQ']D]^+MRCES
M;#`*[B([FH5)_`JZ6?81;UT]![P@%Y8A2AKGT4;K?.6/N"9??*UPLW5/0I[R
M9!X&97<([;#IC]>BIJQ%39IY3G+T[W=G'Z01'3H3VPU_^=#4/ORJJD11E.>@
MIC12A""1`X*TU&R38X)$+#73('VU@\#VV-G363!\L,.D5=OX-DD!O66H)P9I
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M1TM6+WW+[MM2=MN\U/%66DU-V3A\W].9>6`0O66US)5D6+K[NKFW]-X)>;5+
M=&U/Z)+%JS]D'NC.5>_VXJYW^X=T?G'=N8XW>;NX[DJG-YW39=-7S5BW_@_?
MG7F1'220+%-[[9?,[;_VEZU<N]NZF5^IZW[Q_._>';5#WV.=]S"<,98MS-UQ
M1,YF[[AK8GZRIO/C&7L&/=I\G'OM)_50G8D_FX^K=OV8C!:U5EMMGQ##U%ZE
M^LH8<]MY^_JC;27^W\^GKYB<H5\L+U/YM7%>=G[-PN:];4\_=H9#_F5X8S_Q
MJ:".-V+?L+'.Z-*QOSFN$SDT/+>=X`_;G=$SUB5R_7`6)*F?\MR\YQ((>P[&
M@7BCCT($*L_Y!%6QM,H$2CE1B6:=D';;.HY76TZK$;L.#=H:QXX,6N68QI\X
M*][OF2C:3;R-JV0X-R0`LU(%:8-H%0Y2G$>9,&GC*M4)$DD;I,TFJ\`@+=ZN
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MYSC7XG-N_##B70'VM.=+FUBJA6F`2'N/O#.BU28;3_\\_:DD0'EF3=M0-_HM
MP@&4)N!%,;QI6.;&&/(8`]\E(GE2JFEH9KMT$8G7>Y]HIG$D43;/RJ.'\,YD
M.3`T:XPY+C1IG]_OS1K&B#2TV3QM;TZE?9"^-W$.C,XZ<XZ,3MJGV([HC$9S
MD?,;VV$C^*X]=2+;75IDG`3DU<-R'V_H!FFO.?ZJ43GZFFM1&/-U?3Q[M*_/
M_?EPX.\X.5X^_LT.Z8A3AO'%GH^,>S^XREI(^^/XROUI7'<V#T[FUYW7HEG&
M`45,^VO/-BZQOX9I+<"9.U9J1(P#$=E?*G<4(IH%1/8@TCH0D?V%?D<A0HRB
M$7GD;^9"7B=]3GD1M?M;_/BRO4^V]]=S>/<?E/LXOV6LOTE[Q:*<G,QU1M5J
MK4_R'^>DZ_I#WB6)^?!IG0^]'_S/^?N,@PXM]%WI^K/A(`L+"$!A;S[7FV)1
M`E#8:\SUEB]E`.*M?,_]H!M0UEI>QCOY]KTM>AWAEJV8WG*!S.N&YN)$E=][
M:>F:^ZZ`+9I$V*()N^S49T>,3YW+SG6W)W4&TEFOV[OZQ+S2B"QA9Y'CXMC]
MC:5LK\F-?=F0HW]^?H<8'A[#VUZWSVRYZ"%J1T3MYK;_Q\7=1?]::G1O>V<7
M@Y\0O4S:OXV=J`K;W>&838,6NS>("'O6NXOD(=Y\D#:S*AOM5H[:S-A01CC(
M&X;R$Q"O$^*YJJ\#;^'P5HD%P&L%N&SINO"0B[,C97=U:[`PO[W!A.=L7OO:
MK?#3E$WT,JL+;X/(IFFB4UE9@'6+`-RJ@LNRMT4,9&]E`=9ERS*$AU?(6<C;
M16>PR0L`[^U[]`JSXB61U59;>%X"WM3/%:V-ITIEX26J"G"K"B[F#RL++7_J
MBO\^0*2Y0B^<36@``F9%0$-\^@'<U)T^0T>GK[+PFDA=8`ML2X<MT<1__5;8
M!.#6?;N7EF$>TSN<E_HXOB>-_4"ZIQXO=6-`A']E0*'7+!5L#_@=EN5(_F/,
MV-WPY3H>.@;#0EM&D*L(<C5!+5`+U`*U2D4ME>3Y8@[DJC6YVF;YR97O_/16
M'S3FP\B??7/I^A!%W3M$&?A1)D54KQHE6';L,JW@!=Q'V;;G;:MLF'DNPCL*
MW?=OE,&[8GC74&6BYEHO!N*!>-LF90P-I`/I"F[MB$P4M'8@7N'=.X41+\\*
MOH)XMSPL.HU5KQ8?=VAQ[:,5=+-$T,TZ,I^)>FQ"3^C(F4WF`<ZNF3E8[@LN
MP`6XL&UB:XMGD+Y+$P@QI)\(X@CI.TC?B1XU2-\5)?TI9-%IK:3O_I5RE+MC
M6*W*6LO(<N",A:O%`-?0]`)P^PG`90P<T2RD6^E0TX%:"5&3%FJM0@$G4K$F
MA-WRK2MIR[JBB$=!('AX3\LLH@U!3RLW!-4B>LJ`+[\$)+)B;*CP(P7+A.%"
MT52H+!1R/@LB:IE2C\BJB1Y8F1%LZ&H!`*+YSPU!0T?^E1<]O"$H-7S20C=4
M*`1%F@6#9-D;WVJ8:.%+#)_$!C?H89490=U$_I47/:(*^'P&?`?#9P@XOP!Y
ML*,M%:QBJS1R%4362:;]/PB>U(Q!3;`'[`%[P)YW8$^CE>WT=#H"%3$V!H/R
M8="S(&JI6B`H<E50LB'M^MFTJ@Q$EUMJIDMS(/A1'_;P?7!;>VIL"V//NSU\
M09\WT$>W\N^WH>6I)'4:IIGIF@:T.S4BSY*V:+F:'JA-06VJ?`H[<`$NP(5M
MDS9;/(/:5)I`B*&VLF<2$7&$VA34IL2(&M2FBE+;$[(Z#VI3Z9<9:[)E9#IP
MQDK'@M2FVBC`+B-PEH9T*Q]J_,68UBJ@H@8)5Q=!19&*[2`YE7.]IRJ;!/5`
M98:0KXQ`15ZI,=30]2HS?#P%VWH!JI](P=J)+PHYKP75J6P[83)!'ZS,"#8L
MZ*N7&;\B)BR!7FXE]45D'^"KF^BB2--@T)QZ&\=414!!6<!W^`!;5?!.L<P(
M$@.J166&;V-W-Z!7(O1$5%R$YM31E@I6?54:S04B6]EF`'1?:L8@J`:!/6`/
MV/,NFE.Z"))!T)PJ+X-*JKD)U2D(,+Q=@*$MF]DNLH7V2WW8TU#EMBZ"?`?4
M7\I('R)K!4P\H.VI)'D:FFQ`>0KTJ9O<YJ'*4^R:/6]T'MCW$\:'^577#WK^
M\//I+&S>V_;T(Y_"_VY[0WKN!]V`CISHT@]#&O:]<\=CWSO>_2T=4N>1WSD<
M\'\/6&@^N?[PKU__^[\DZ>?7KO1RN.2,?OGPZE$GNF'H)\KB'UX'[W$X;NGX
MEP_CP)\T585H387P_T=^\HFH38ULG,O._G4>G+-^=_#G34]ZB":N=//[I\N+
MKO2A>7KZ5>N>GIX-SJ1__S:XNI3(B2(-`ML+'?Y:PW9/3WO7'Z0/#U$T_7AZ
M^OW[]Y/OVHD?W)\.;D]_\&L1?O+\SV:T=.;)*!I]D!9`[)`)N[JX;LZ3SU0L
MGGZOY/9=9`?1*L[Q3P_J\R7C"VP(?&W5\EKGZ)INE_&L]Y5H%\2O@TZ)RDC^
MBBS9ZFA1YVX]:WT=JO`USQ?C9"DW7O[J7%[VO\9J",Q%Z;+?N6;_NKN;RW$\
MJ"]1F68?%&T1E.+BH7+)LV1P_4"EL<_3B.6F-%>2FTTF=N#\PTR(V,\!^WGL
M!]_M8"3YX_@K^SGOXC=UO'R0_8LG'B\>G/I!Q"[I^%)(8UI)#<=CI_FST/9&
MX4\G<52GV^B[CZQ0N8/*'<3)X`)<@,J=<&N52JCRM&?5&>((E3NHW(D1-:C<
MY=3^;4S?"%D-7"N5._XYC`+?NU],ZBT^IYQNVS&%MWHO53;:K6SNAU79Y8"\
M82@_`?$Z(6XIP+M.>*O$`N"U`ERV=%UXR$6J?88$8+ZUM:O\-&43O<SJPLO%
M`DT3G<K*`JQ;!.!6%5R6O2UB('LK"[`N6W,Q(Y'A%7(6$IJ$.?*2R&JK+3PO
M`6_JYXK6QE.ELO`2506X5047\X>5A98_=<5_'R#27"%T$K,EH"$^_0!NZDZ?
MH:/35UEX3:0NL`6VI<.6:.*_?H-VX]&6"E:_7!KMHK6&+]?Q$*35:DVN)J@%
M:H%:H%:IJ*62/%_,@5RU)E?;+#^Y("-9036E59IFM(`[K=32V@!>E0TSST5X
M$($#[[;PKJ'*1,VU7@S$`_&V3<K,M\\$Z4"ZXEH[(A,%K1V(5WCW3F'$R[."
M3S"934C?0?I.'+DON``7X,*VB:TMGD'Z+DT@Q)!^VK/I!.((Z3M(WXD1-4C?
M%27]*631::VD[]+N8+%C6*W*6K8;<V'A:C'`-32]`-R*V'6F7L`1S4*ZE0XU
M':B5$#5IH=8J%'`B%6M"V"W?NI*VK"N9[AR-MJ-@!!MF$6T(>EJY(:@6T5,&
M?/DE()$5(]--%)&"16.X4#05*@N%G,^"B%JFU".R:J('5F8$&[I:`(!H_G-#
MT,AT_W7D7['HX0U!J>&3%KJA0B$HTBP8),O>^%;#1`M?8O@D-KA!#ZO,".HF
M\J^\Z!%5P.<SX#L8/D/`^07(@QUMJ6`56Z61JR"R3C+M_T'PI&8,:H(]8`_8
M`_:\`WL:K6RGI],1J(BQ,1B4#X.>!5%+U0)!D:N"D@UIU\^F564@NMQ2,UV:
M`\&/^K"'[X/;VE-C6QA[WNWA"_J\@3ZZE7^_#2U/):G3,,U,US2@W:D1>9:T
M1<O5]$!M"FI3Y5/8@0MP`2YLF[39XAG4IM($0@RUE3V3B(@CU*:@-B5&U*`V
M593:GI#5>5";2K_,6),M(].!,U8Z%J0VU48!=AF!LS2D6_E0XR_&M%8!%35(
MN+H(*HI4;`?)J9SK/579)*@'*C.$?&4$*O)*C:&&KE>9X>,IV-8+4/U$"M9.
M?%'(>2VH3F7;"9,)^F!E1K!A05^]S/@5,6$)]'(KJ2\B^P!?W40719H&@^;4
MVSBF*@(*R@*^PP?8JH)WBF5&D!A0+2HS?!N[NP&]$J$GHN(B-*>.ME2PZJO2
M:"X0V<HV`Z#[4C,&034([`%[P)YWT9S219`,@N94>1E44LU-J$Y!@.'M`@QM
MV<QVD2VT7^K#GH8JMW41Y#N@_E)&^A!9*V#B`6U/)<G3T&0#RE.@3]WD-@]5
MGIH^>Q+?=D/>::N2T[J%VU2;>`%[\A[@E*C,NU?TJ%:'"3JGT[/(TV'23BK7
M=DK>+H22+04TG+F1Y(^E<#8<TC`<SUS)]^Y]Q[N7IH'/XC&1A@$=.1$_UG=G
M\>L(.A[[0<3,BAXHKYN:VMZ39`\?'/I(1])X%K#O`\D.0QI)?\]LUXF>)&?"
MKO=()RR=0LGQ>%V]=B(-'FA(5W^S`RK11V=$O>%S\=5HQO]TV=7=D!O+@MZT
MA\-@]ERK)<=?36G`[)IPV^-[LZ^'+OO+&3OL].0KR?;8E?SO\7G2B+J.]_>,
MW>KI^?+1@QU)0]^+'&]&I<B7OE'I.W5=]E]^&OE?;D#$AV#)K6,?I`>6"\SE
MX8,=W-.F/QYS%WETAH=5E;&_7?Z?:>!,[,!QG_B=&;42,_GK'Y8!PP<&63BE
M0^;0D.-!@T=V:YM=C%*/G<O"YL]"=C*_Z#?7"1_HZ$3JC!A\##;;=9\2R%QN
M91A)4X8BQY-[Q&U-@.98.&'\_9#9RHUESKSF2'/NB,U#Z#"(P^2:[+M[/WA*
MXDI_,(R<!%G^Z\1G5DRH[3',./66B,#ON<(@69K:S-SAC%G/7)S'=^QSMO%C
M`M9,R_,P);Q.#+<3`BT[F@1[-+^R'3DLC&-[&/G!29SYTPKG_2`.FLNXS/,D
M;O(8EK,)I]T_-*$'YQSG!CO.\>.,L?D)-L,MYF)\@.N'(0>?GY'0]HEQXCY)
MXGF@5Z^T'ES(^4'.3QP),[@`%^#"MMGP+9Y!SB]-(`J1LR+MV*4M.E8;`S1!
M8:X.X%D"VKBXE@:_]7^_ZUR?W6U(NP'**N3N7$*R?W75N^U>="X1M311DR[[
MK+\NW?6ZO]_VSJ1/?TJW/?9M[V[0&?00TF-T.!,*O@B9)B%L2E?]V\'GSF<$
M\RA^7M_]SAB*F!T>LT%_L-D(%K:8>XLCQZS?ON339!]7\D=$[,M15G!DIP)U
M(@`4@`)0``I``6BY`!5'"^'"&SF/SFC&WYQ*]-%V9_%K0_X*S)E,;2?@+[OJ
MP$?V.8P"W[OGGY+%)8O/&7-TY5[-;.Z%YJ<<<&NRHAB`O$Z0(\-K!?=\6V7@
M71.\68O>:@D/>2GU(;J^Z](A7[R6;^\4E9+Y5$JN)@I1%9DH:HZI@F+N6A-,
M5RRY9>79%H-@M2:8JAF,8&T0#`3+Z1%IR-9<FA'\`K\RYY=I*;)J*:4GF%!:
M%OO',(-%(55>:5*IPLY<!O)IJSZ%&,"@(+WNQ-,)D5OM/.<503P03YP!#XA7
M=^+Q@=!\&U[P#KPKC'>FI<F:7O@4XOO)?KRQ0MU"@7J$`G74%<,%N``7]L[2
M;?$,-?;"5J>I&FKL10$\2T!18U_]W$6-/6KL!0HI:NQ18_^N,>M<7O:[G<%%
M_YI=]5;ZW+ONW;),OKVX^X(PUD2JH+-=WI%"OJ!>I9<`%(`"4``*0`$H``6@
M`/2(3GS^>A1WZ]K_]LL6T75@H8L:]3HU.N\&MT7R7,4,P(4#'/E=*[@A05$K
MN)'=M8+;(GF6B-98;^0S]6A@N_D,/E#A6DB)OFSIA=<-H("Z+O329<5$?3[H
ME1.]B*RVRE^=#WJ)2B\M3^E1D*O6Y&J;$$8"N?(BEZP6KW\`V9H=FR)32-F4
MO,[Y78;)**^O.^UTV;(*[X*"=G6GW;L,JT&[VM-.JX"0"$A7+M*]PS`<I*L[
MZ0@7QJS`>*(@U:1DZ`W9),@F02H&+L`%:`ZAS)QA2]I)N?ZFYI!:$IBK`WB6
M@$)SJ/JY"\TA:`X)%%)H#D%SZ%UC]KYB.<>\Z;_D6]-`!>?8$)>ZX!N``E``
M"D`!*``%H"(NYCRF!W?AC9Q'9S2SW7RW21>=C__*E(9-\2@'S%YK.G39;&\(
MU`,XX8%#LI4/L\V=(`":\*"Q%M)26N(!5TJ]B*[ONG08.8\TWXX7:LSRJ3$C
MBBI;ZL;+9?$+R<`A83BDF99LZ)FVJ.!0S3BD$E,V+!T<`H?2/\M,65=,4`@4
M2DTAD[1DS6B7CT.EJZOGE?2HH<]S])NVKJ6H(0%JIBI)'XWO'Z_EWX2"/I6D
M3U$#`="GDO3A8P!5`7O`GC3L,54BDY910OH45+9KH6HW0M4NBBWA`ER`"WOG
MH+9XAL)C84MV5`V%QW4$'(7)U8<:A<DH3!8HI"A,1F'RN\:L<WG9[W8&%_UK
M=M5;Z7/ONG?+,OGVXNX+PEC%^N[.+@UWU'P?&_92UZL!4``*0`$H``6@`!2`
M`M`C>NSY%_'?3>G0&3O#?#8?%IV%J":N.V82D0U+P,)4`(=D`V;`#)@!L\H\
MU$JIMO"9>C2PW7PZR*@IS*FT63;:*(X'@](SJ"6K)/^:!C"HN@SBVW^6L*H9
M#!*'009:(/#G#<H*+?`'_'E#^Z/(;2O_RCP(<]B[%DOEE1RH6'U+N7PA@TN4
M.U>2/*9L@CP@3TJEA4*&E"!/-<E3P&@2U*DD=8H82((ZE:0.8;UEDY20/8>J
MNTR?/=FNH;)5+N40:11>-92,'D^)RKQ[1?1E=="I<SH]*ZD<II^B<@&59$SZ
M0*60WG,5^5#RQU+$/G?]R=3VGN)P_8_6_K\P&:5._2`:LZ&[+]D!E49.:-_?
M!_0^UJ./V)?,NT?JLBO843+(#25FNWU/^<7Y$1/?<R(VY@V<\"_)]D;2E`9C
M7OO$!L,GL27Q?5[,F87LROQ>0]\+G3#BE_GN1`^QD0[/1R]^5\L-"Y?$\;\]
M[7!CR1Q^^T^^'8RXTV=.0(?,LO`_['WK<]LXLN_W6W7_!QSO[-:DBG;XT#,Y
MLU6.[>RXRK%S;>7,[D>(A"1,*%)#D':4.G_\[09(B7I8EF21IB34/&Q+)-"/
M7S<:C0;P$I6R>QZ01QKQ,!$SDN/QHIS@;:`D8O`^,P`DI)=$^$%>>CP,D)F0
MN#[%-`#A@@3,94+0:*S$$C[BJK2O2!I%88_[*GN`;+KA<,@BEZ=G?F8T83-X
M0X";2@00>AH^!=!WZ+K)B,.G%_=7ZIA0`PW+'0`9KI]X2@W(G)M$S[X,'_5H
M)$_#B)C@'G2))`!U(*^8(UJI`%`,&0UXT.\E/NDF8+?,]3E^(,6$O*>@R[$Q
M%2#PH!PO=`ABA^<$(_%XQ*3$J>N&"4A?"2E/Q1!:Z(.J%R0"O8Q`BDRJO<<C
M$1.?LX!0?(/_1+J>;4=(?0["(2/LKX3'8_6IZATAF@`#LSVFP!4@%CX$S/AC
MB91`Q*!.^<2T852R%]$>4A0H!EW@F\M6`!"H1XE^-Q'@,!%$@'P!WT_D(/W5
MZ("]U9>I`6?F+J0A@"`$QR.UII=B@%#'(.KLWC*E&`6B/-C@Y=Q?$8/_,5!/
M/'&+2NA4O=^EOO0#T`[[@3:*:OK%,DW#-$WE^M#N`A0QJ"7"CK$U\!78$5HX
M[Z'Y2-OH1'(4\\@EZ\;D'OJ-$C<&HR._=B[OWYVIBW.G+M"3A@"NHILQBI@8
M,!!YETI0!X".*))@#Z33DB:&\`+?#!`QP$TAA6"F77D$F20YYRV!6W`TT'X2
MJ.]#W):*5Y#(IX0[8%Z")(_H>.+Z`-V!RT=*FM(Q`RN2,.(E3.(SPF.YL#4E
M_B".P#.A=.#AX63DD3*FX!>ECL_(9ZK<<HY[\$8Y-XYZ4$#`YG/*SUQ92F:J
M!$,R`\K%(A]\#[QRZJ13D7`?#1MM+[UX!9K-,3UA%-^:<#J11<;R61ZI'D,>
MI4U+$?)^@%7X$D<HO)1"C_ETK%S!A.@!>D)P%0(U2XD+2C[MCD_Q)VJ<`T,Q
M_2Y9ER-(*J94ZZ#(S+GRR$V&(`/H$QP[0`0<AM+(1.JI&+HA?/G$(B,5X>0A
M%O3!#M(&);&&_!5,1D"_D_$H]U765FX(!@FBN:8,PK`+R)CJ`-PP.+*LDPG[
MJ.8(FI5LI1AZ1A70G:<\<@9H+P26@Q"DR4841)._2"?O'R8>'-M;,0C,7KUC
M@*'XZ`=$`@.H/[%7Z$KR`7Z#1GUH-:-?#/AHZBA2(S;0<*29SWN(R_O#]^IW
M:`D*.LI2E*('(($N`X,:4B]U5*D7GI'<XHL@=C!$&6=1(K)-+]-:O@Q?TY68
M?,B%?T#0(K+8!T,&&+I3,U"(E>'((^`M<T(3,TK1V0/BE(.9<6V)P'9`3^I3
M\'/053P(/?&!_$K?I<"&(`=:G;S-?HS4Z-]+Y-@`UC\@/1E?0Q@IAWZ$2SSI
M)F=NK-=3MT=-+01-X"/YM?MNV?-A%PL?I>>'>.4[B]'.7'@>\/FK^^X9WG).
M5=D"\WUDU`TQ]NG)(7;R!$0M+/`FL8\R5B4%%#V\J[B5'@\?08^7#K[2X\GQ
M.#<&3&.K)`;W_3-3U2R=.0I49ZKC;/28HB)@*$WP`5-GM":*\*4I\"3)+I*-
MJ!E">`<:C,)A?I1*0P-$'&)<LOQ7`JZ#1<".Y'?&F>4=*03([E@*%S$)8\K/
M=!Q0:@;OB)$J3BZR2$%YIXD_]#B`(TIIPH$\G67D6IZ"1G6!?!^^/^ID*$`1
MH-6./#FOI*-11&'BYLLXZUE$HSHG8[[WW,BM]`I37)P9^;PG08KC\+23*(].
M&9<]HG]2W:&RDU$8+!G?4V"F4['Q9'0%'0;A$$`,/SVI2Y'Y+F7L(Y_B3/P<
MN'_*$<(57B*<]<B96$_-:O$+BH$P3'&0G.D;<CH)P[H?PL?27D-I%;F@U)#&
MGO3`J'B:'Y@(#02FH@KIB)0)9^'%+%<A-#'"^6(FNA"\`0[LTH`]H%C^\=R2
M._"*@PKTR8?)$..0`$,!+P1I,NE6P44O>(@)">F$TF>YK,,G&GS/F>DD37$N
M,/"#Y^YQ$G^)L4B<)48R'O#]&<>:]73X-O<'1LX1>^3L24(I;P@0$H4NIY,)
M<!YS.3/,S]VF)@D3C4#`-$)";BL%#6&^G</F!/T#"L-J&J#`EQ@JN@,:])G(
MH@"(L=&12X8$!)>C&9N;,Q="Y5@MOPHCWN>!8H=CZP@(B8PS\B#=>B\=XM*T
M%09'$`GX'G@:\"E+*5*),F!0-B2R*=*'.6S-'$U=)7S-G!B]^W.B81+_]UQ]
MT*24*'<\E"KO6<ABAZ-GCL]>[Z3LF;.@4"S+JI32I0/;2@UF@^4&-+)G$N7_
M^VG%-31+WY!>"<",\R$$(>AKDVRZ!I<&UVIP/88X3\ZR,&J*XF+0+B,4C36-
MM=UAC3Y2[N=R?CT8<P,4KX:9AMEN8!;`!%_.$2'0$Q"3"0TM#:W=>3#,0@8P
M!4B7+(8C)F=%TU58#3<-MQUY,M`5'P*R'IE:[(I#N6PABX,`?4.*4^D@7=92
M<VV1=/_$.>TD8Z)66Q=0JC)9H\%8<(SU>(#Y5IERR655-)0UE'<#Y2PIPH-\
MBF:2'L7<8;KZD4O;&&J)CXK%Y`J?+KO+Y=LH_%.M83Q27.8=&X1V11C)=N3Z
M"RY$TQ&/J<]_TORG/L,$L5P3-P@VB'DM]96@/A-J.4:N8V.J5RC"<.E2E@[(
M).4CBZ(D+2I1B\H&^1G*FIN48(.PV#W[B$^\#R-M5MJL=F)6+'CD41@,%6RQ
MR(-F:[)G&X#L\)+;G>?R^G(%Q?LS$5D-Y70%PQ^#_?<FA3>T"W9-?"Z?S-*^
MV<*.:IO/K`?+A._T_?0161"HEC1[8>3B\I0L1HPC<";P%SH90U9.A4F,ZTER
MG4FP`*LVL%).+'Z;!"/*O9GT>TQ_H"1E[AW7&.7?DES7#\5T:5CFK9]DWAH+
M"R.5WT<B,DGE6CTCU^JS9S/U(%.!M7)^+EV?U@TLK">!8\9%K2ZN%40<%V<G
M)51I6@"KR?+K571Q60Q+`:*LX&2A""&>64><?=L@X*9%,EE`2E^A4VA,EYV6
MKRRM(05<NA73DMEGWT#%H#!R2P]J04\5%@)A/1AUHL-?A4(U]D)<+91%!(@!
M,2G(F%M'Q](0K-8QL%`PJX.6J@J%6FA,EW5FBP?4.N03A!&3]51EQFN^A7J:
ME@?/:>25MX^J,4Q?/ZJO']57+FH6-`OZ[DY]'1/HUFI+EN8O[G3V1,=:VQMI
MNRDYNO[R]?P:[R%4MQ+^<=WYG3Q\O;JX_GQ]0?""LS_.;R_T37H;7&>V3**W
M=UJHKX*IO"..S(I6NZ5#U'=VM^<%=G9)KF__Y^JA\P6F(UI\FXCOYKP#TM.^
M1F-/BV^OQ/?M%L:X2_+U_OKVXOHK#'J?SF^66;`>[5ZO\R5<+^%QN2Y74+XX
MI?KU^I9T?K_[]G!^>_GP;K4J=WVTXR8G-U[,GK$P<S9";H6BBKK=]5UN\+>(
MHS#HXU_J@)GIW\^3L=7];C-].89IUG?3G[ZO9#]4WK)LK?!C4OBI5O<QJ5N[
M]"-4N66U*J_RO;R\ZB(]P&0'*-*'[!=SR/ZL+32L`@U!7^!PU-C2T-+0*@A:
M10;I&EI'#2T](FIL:6P=SEU'LR7319G*09W97LC4?-L#W1?2-8U&V4:DKPHX
M=MBUTDI+#3H-NM)`5_HD1T/NV"&GAU<-NS>!G=5L[S_LUKW"1V^1U%LDJ[,M
M3+.@6=`L+,MN+>%,;Y&L;(WV,ULD%TZ0J:B.M;8WTK;>(JFW2.Z!4/46R>/2
MM]YGI;=(OK7P-/:T^/06R<,?[?062;U%\IE<_R];9L^?R=;7#-MI[S(AKW?%
ME*,XRZBW&EIQ>Z>X>KVFM;9W6@,_V6PO',FF%;</BFO5S>HI3N\!U%7I152E
MG^X2ZGI/@T:/1H]&SYKH63RS5L-'PT?#1\-'PT=ON3O6XNQMY[/;UE_O/*.K
M*_N/!SP[SRIK\!P/>.J-IH:.ALYV@U;+U'Y'@V=;\#2*#_[?;E/94=R$F%V$
M*-2%I(\LHGV\H-/%6S`]>16]4/=)\F#^LD2\XC!BOKPC$:\)QYLIX1<W'*H6
M^@'_F5Z4*>]'!7Y"#R]6]KB++^F+#O4NONKN7-(L5(&%BI8UOG[0/X("5LN2
M+/WGZOR>7-UB"7!^*]F>:%KK?".=*WM>=I&BEM=*>2WLJM3R6BDO2_N/O2R`
MMW98`/_J*JU-5F+.T[G19!+4I3Y>X/X!^^M&Y'V._&II>=?W#+QVI?&Y$VPV
M,AI=^JD5JA6J%5KVZOYVVZ>.`73^6UT_4^A1HMK)E+)A8+=E1%IIY6RJ,BNH
MM4I.'O1&VL)CDYDAP39J]2+/O]0.IF3U.D93[^#<:PW6C%JS@EO>WZ`66&\#
M/-1B^-E!R&D6.`+IC19'AJT]W&>AT5,9].SA%M.WW:N_[8:=R3+1BLJYHNSD
MH,I9"\DG[N9V!=NHFP=PNX*&W0XS9-LB"R:VS9T>E*+!<SS@J1GMUHK"H<J"
MISI+=-?/UJWKNHY=96;W8M58*U0K5"NTR@JM^,+>,>"OB"G96C.N(F_NU.ZF
ME&*!G6:@M,[*J<K9Z<D"AS9WT$4=Y19UI'L^]"AP"+K5P\$>*\_29SOKHHYC
M63J='82*K#77J_)'!JT]7)77Z-'HJ>KD;:>%',^O#)$P()2X5`Q(EPHN\&]=
MX'%(!1Y6K>Q17B_0'^0"??$N6@/G((%C[>6AKL=[M.(7&M`^D^6>B8`^*0EX
MP,@HY+(`%``?4!\4++Z3B,9X_*(8BY@-21R281CP.#TDT848@L?DKX3Z/!Z3
ML"<_#;&HU%=I9F@SBGL0E(5GZD!''D&0(O@/@H<J]L.(8_<1-!4&@GL,@Y(@
MC*%E'G,7XY?\>SW^R,C)5RK$R?S[M-^/6!\/:C00,#Z3I."CIPT0X8C)S/<7
M8)F'(-J'I"MB&G@T\N3)D)>`K+B7^//->EQ,6T;V!1M1D`D**_2%(FY*;":N
M7"M)S'WY57=,AE.Y]UD@I31.S[B$X"P`:;-^XE,0[YAXK,=!TD!MVLL<#UD?
M8PSY_,1#@H5@\FQ,&BN9)E$$#T,?HRB,F8LL=!/UW0@^@'8D!4^,?C>@;Y'X
MDGH.$6-`DL!+F!1.$CS1**(!OI^J'+%AR,906R`7>6:FQ`^@X,]$Q+PWQK;H
MC*A='VCD/3Q1$U@X(S=R)0+ZP]=G'LR8&U!0^1/S_5,I$*``J0V80-Q*3O]D
M(:C$`QG+5GS^5\(]V7X&2(]U8T-R(ENCJ%5@U(V!8B"GRR5Z96,"@V<?/B5/
M'"#<940`+U1VS%5KN?Y1D!*M(0@:Q7M&SOUL?050`TR@H8`PVR;QZ%B0$048
M@UP-`B:$9XT"5MT!T#:6EI(C6EI/Q"8GGE(B$``@.P)*"]T9#O&3)SS?1[8I
M7T4F4A)'X,?EJ:<S(H8',]3/GVUZ>!ZO$Y(!\T>$!2*)F-)USK^E/L0%BT';
M5F?%]GS0J0*V4H+\O)?$V()+\3Q2Y?2ZH/[PB44"#0%41L>@+:D$"@T##M`I
M83L7(4R\`@2UU&<<)6Z<9/.PS'>`K;H`+R.%AL==7)=38`<4`Q5D")YAF`R-
MB36R1\Z>%!-#5*_T(`@%],/N=.4/&<C].03(];'^/P6;+T$E!GR$^(\'4Z^:
MG1\EC97]0`*1\U_LNFF8IBF?1K=!+/L41@AX51V@>T;^E3DZ0_IX3!^G\D5_
M+UW0+!V*C=2I>9ES0$\^XU8#'VG(6X6K7+M(T*"$=*A1,HI=Z-EC/@_^2EB`
M?X!8/##-`0E1WTIIE`M0.[@Y%J2LT=0Y^)-ACCT"N<H7IXJ4L<7?G/9'D9=J
M7HZIRX\44\#S",<Y;#0[:#@&R(,/1I%,\)<?>7/N(/.4/)H.JP(1`2+I\T!Y
M!&Q(_H#_]T-L04[[S\C]`MR!O7Z@1B;I1%PW3*0#!W&R2+GWB($[E?KPV(@%
MJ+$4;DJ+Z7@7!FJP00\4A<,\VG-"FH06Z/?)O6KF$D=4N?=$R7;Y=X3C$<X`
M/<05]N/-D-1+`JG^U&C`"$%``HP'_3*(-QVA/H7@^7($G2>H6%P:YW',F")`
MN.&(H=QS.IW(&SY,]\RD4GN>W&S`0CFE'D3%$/C:7,_*6$=@^X_0F](?#0((
MK#+U(67J`6@D1V)*#;Z/!UEF"O,R+4DHIPX#U!7TY7MU\^](2;W^]PQ@[FQ]
M0"YP._C!X1ID[7DRUD*A2/;3,%?:SU+SD&I=KOQ99T]]$69:$1D0)J.W=-#2
MOP@T)M";BEF?];\S8<4O%GI?^=^2EN8C1H!(/@!8KX?4PZOX:;&/2>"\)KV*
MVA3A>+CZ(_<F*,^,8]%S2$'?8%QV#_*+'EG.=&2"$^8@$70#II[:RWFJ437T
M2)/#\)C\OW2RTJ'@#C^'D<NRD18]#)`;)B,TAA$X8<R>]B#D#SA&5>#_?1S6
M1!@$S#?(D&&TW>6G3XQ]5SXF/SG"<II$#B5@M.#QA\J''[XYO7APOYP%,#$3
MZ4X=+(0(0QIE4R9I>1-4R2@`@1C/3KMR@0$TNOYL+PU;L+45TUY]]+\^^O_Y
M+-E;'SJO6=`L:!:6K=@NX4Q?P+"-(,JY@*$M6;ID+AMV(6!T+(,L.YJ_HCK6
MVMY(V\J2OYX_/&AYK2^OAZ]7%]?G-^0+!$C7=[=:=!N([MNGA\[Y[>7Y_:46
MV_IBN[S[]JGS^=N-EMGZ,NO<=<X7!*:'K;VX\4,%(7MXXX?>VUO.\>UFRVC8
M^@SWHU)ZRVBU3*WR8U*Y;=3;^DSNHU*Y/K;AJ-1MV:9AF7;EE;Y/9WZ7=<2`
MWJ15RN[1=L-HMEH%6HC>!7C4`&L8[4:1QV1H>!TUO)I&K57D^*[A==3PJC6*
MS`EH<!TWN"S+:+3W?W#<SWL1.F&\DSSZX6\U+63^OIM]\76S;M0*/89-[W'6
MP%N66:H;K9K&G<9=V;@S#;.E<:=Q5S+NWF`BI$%W[*"K.Y;1;)=^P.';'4.B
M=QWI74?5V6FA6=`L:!:6Y;B6<*9W'56V8ON974<+]]155,=:VQMI6^\ZVD9>
M>M>1WG6D=QU5769ZUY'>=:1W';V^Y[*N*R/MMM%J-7:9L=)5YJ5HSFYII>V=
MTHAMM$VMN/U3G+Y[;?]T!E&#;;3LA2S*VZM.[Z;9G.J*+6/N346G4W,@PJOO
MT@AT5?"18<@VC9:STTF"AM"10<AJ&J:UTRM0-82.#4)&8[=S)XV@(T.0TW(,
MQVGO'X;T!I;#+G$L^ZZT&DP*FDVK<$/0%;('"1^<#S1J&CT:/5M=U-@VVE;Q
M@9Q&SV&BIY19@`;/08*GUFH85F,?XY[CO2?V6MYC-KVJ5%WRZ7-W<M>KO+54
MWJ8H;WY-8GG/CKIU3EX`)>^X"L;/7_>GWL8K!9DG2-L\G;DG$R_RBT,RBGC@
M\I&ZP?!]&*G;>N1]]_!]1`/18U&D;E<#:9]2UXWP5JGT#B9Y=55`V"/U$W7S
M%I<W]HU\EE[)YL$OT1`OP44^>I1'!!]FT]O1?!^OL<+%&+P@4##?5Q??B1A$
MG]Y&J"2B^(8>H+TP.B/GQ!W0"-CUPB?9<\3<,,*[#>6E;X&ZZ]7%6^W&D]<G
M!'G3"_5R1$Q943?#16Q(>8`4Y=G/T:)NQ,/;Z`3APQ&55\3).[N"</9F47F/
MZ%FJ^U=H?'+;XVZTK&2(%W+USI9=,36Y6DW1S"(0[E#>0!MX4BBYCY90/;F-
M*@]4=5UFRD;NRL5?Y9U182+@`?%.7P^E-VI5=W/*`;!0T2+6UX=R1U";W%RZ
MO49?ZG.0RDZWUUS=XZ`"SEM+;7VIW=[=RDJW;D3>2[*?%Z,VEGTHZF_N:TW_
M_;2X[#2;JE51I0=S$KGMU(Q:75\P<51*MPS;J?X%$_M4+JOFZ44E?W4-R*MK
M0.8,H&ZTS-+/[]$U1L>"KP,X65[7'AWV&EPAT<=NCE>SZR;`Z0".5]/`VR_@
M689C'L!QDOI4/[U8M'\K+0?`0D63HQ5,I50O$[Y\L4B?Q7:0RM:+17JQ:$^,
M12\6Z<6B8L^FL1J&TUZHBGC[_+]6W8LGG1A6>Z=5S7KA1B?6*Y98MYI&S6SN
M7_Y<0Z@Z$-KIX*:77_3RR_YM@;(=QVB9Q9_$HA=1#A(^%CJ7/03/\>Z?^T(#
MF`X/<5-2+XGB`8O(,`QX'$8BOTM)[IJ2>XTBYO&8_)50G\>3'5=R_]1D]Q$>
M_P?-^N.?<NL3?(\[Z=)'IT]1D=]"UE5[]WP6]..!?!A8)G2Z$VU$QY),/MV4
MM<8N*]>G0DRW3LT1"E']D$;\Y[1_VI=[YFC,^F'$U8NY;5GJF,-TOU:VATU^
MJ+=8Z56SZBXY:18T"YH%S4)U6*CHHD\%D\O56^&S]9;)(]*VLN2+;_?W$'%I
MD:TO,L><4G\Z_;7>)I?G_WF`V/:A0RZ_76F1KB_2QG*1MK1(MQ9IV]2RVU9V
M\D(S+;FM)7=S=WZK[[E\A;&2\]M+\M"YOKDAYQ<7]]]T==6>5E?9>UM>=53W
MZ^'?;[09VS8-R[1WTZ,NQ]H/I9]J=6MU:W5K=6MU:W5K=>^5NG7`=H1*K[Z-
M%UMU7\W;0RN/U]=6/*^%S9IE&@VK^@=Z:05OJ^!Z4ROW4)5;_9%%JW9+U3:L
MNE;NH2K7,LRFG@0<K'IKEF4TVD6>XZ<5K,?=G<SH]*$+AX))V[&,9DV?QGVX
M"C9L1P<-!ZO>1E/;[L$J%P+^FL[#'*QZ':-=TSG4@U6O[=2-1DLK^&`5?#CS
M.7TN5BG@W>]#C>9B$[S0I%:@!>A#LXX:7XZ^+$=CJR!LV45.JC2VCAI;10:%
M&EI'#:U&Z3?%:&P="[8PG&_H<%[C2P^+;[TVKL_'W8&9'-0M<<UFR[`;15;V
MZ9-U-?"6392-IEUD\8"&G8;=LHE.N_0$C0;=L8/.,AH-[>LT[$J&7=TP6Z7?
MW:YA=^RP:[8<PZDU-/`T\,H%7NF)('W;^8N%3OK>!J7=@SXE7;.@6=`L:!:J
MPT)%CY-]?12W\_BQ>F<(/W-O@[TG.M;:WDC;^MZ&+46F[VW0]S947Z3ZWH;M
M9:?O;7B=Y/2]#:\T5GUO0RGJU_<VK-J\=T3W-FQ[$?8SV7'+M(UFL[[+-+C>
M%ER*ZDZUSO9.9^EQ&EII^Z0T;6C[IS-M:'NH-!F,M.R%)*Y67>555T$?J:\'
MJ![HBCH8QVFVC993JQX(M0[WV(-HY:UM@+91K^DDPAYKL)WN[M?JVTOU$<>H
MF]H`]UJ#6!+OM+4.]U>'%8QA*KE@HX_4WVWP98'G,/7XO<\Z=`R[IC6XQQIT
M3$>K;W_5UZQ96GW[JSX"D4M+Y__V68.VU33J6H?[K,,]GO_H(^A+@>=^GRD(
M'LII[C1.T,=2'AN$&AH^&CY;P\?9Z213P^?(X+/3`$VCY\C04]OIXI2&SY'!
M!Z+GFKW3'+>&T)%!:`_'+WUN^V&?=;=M'?6VQ]DU+<>P6\6[47U4XD'"!\!3
M+SX%H<%SD."QC;;=TN#1X-D&/);1-(O/G6OP'"1XFD:KM=/R9@V>(P*/;1E6
M0\-'PV<K^!2?='B[,\)'&2>RVX6#N)>>N3U/X;+SM?&X(I5C>&_9P-T+)X?/
MIB9JB*3L..[U#N&V\11NR=5Y0*COAT\T<!GIA9'<<@O_$P((^/7D_.;FY!WA
M@@PI#V+XCWDD#@GMBC#J9H_UHG!(X@%3[X["*.Z%/@_/2`<^@Q;P_2X5\&H8
M0$,![;,A6))4Q]^<]D=!W#"(>9#PH$_8(_43&G-X-.S)5B,NOA-W0"/J@O5Q
M$7-7$!IXQ(V8QV/R5T)]'H^SQV>),`A%&@5VB$^X213AKPRZ#(?<Q:ZA$>@.
MQ`NJ9I'@/>XJ`K`3P7^RK.E\JQZ#?EW9JQOZ/@72J&^0$16Q?(\"1RX?P>>>
ME!-A/T9`/0,Y&_(!;)`.PT31!0`ZA>]!`T.4@MSX?";Q-SI@]-W(_=WQ@(+,
M(B8%R=P8M."/,R"`^!"6?#BB/)):Q"<!1/[X)WSWQ.,!Z;,`I3]%,N"-H1B'
MH"8``*&C412.(@[-G9'/T-SB&P89`+3""'3O*X7%`!1/R.X2!"\/I,X8`'`X
M`6AJ`NEW&;IF;4"PA;:5XD7*]7#D2XM0>]P!D8)[0%[61PA-1RG,*4J'],`4
MPN@(`/)EXBU`'3``"2GFG#0#%DO?T&>G8:]'**('G0$@BE%WH)P'BA+0T(\0
M#CX#>$E,26V"F2H=9&<.3'2GS#A6AMKO1ZP/\)E[W4VKT`P2,50:M`9-9)MT
ME`,9`LA(-Q'@/$'SD^;%&3G/<Y+C0JD7W29\X2:^M((DYC[_B7Q0$H&AX&^6
M+2E@;B)AD6L-T!*!2Q(Y2A<Y%`A/Z&4E%;M@5>)\,@10:"]BC(P9C?)]4_"^
MV%0H]9ADMC)UG(>/=QPQ+\`?T&",3@<$)]U#Q`8,G`*H>,CB0>B%?M@?2Y&#
M7W.9EZ`O\[B``0=PP7"(S@9L>$J.P=-1FP?@3M"B9GW7LL$[(Z7+?`ZX1^L#
MN'!)5@2CIM2:ZZ(O0SB.X$T8$D']$$S`R,R#Q]#'UP3O!W)8Q9%7^4^FQO`_
M$Z^/YBU4A]-81'I!`2Y2CKT(%Z:<I`#-O$.NIL_BWKBNS\5`X4N,F"M[\V$8
M44CM<29E!9'=4`VN!K'?(;:'8%[$BT"VP614`("S".G.-SP)CB`X8'V`+,NB
MFF0$G<Y[^"EJ)9_/^G",:<%/@<C\!+R3!Y(._DK@O;$Q'Q1@.YW+^XQ^28P:
MI(QI/)-]`'_C=$6-(E***EPRLG&-!ZH%4!&8M3%/L,=&,++":].`#9^A0,DT
M.*()!F`@KL2/D8A>#X9OV1FB!GQ)T%<`\Z'+"4(XVHX,@2:4*.08I`>M!]))
M\0#9EEVIA[W039`*U3O[X0*!*FS#;QV`Q%1_TNDK):;R!=T_`A0`BLD(02[5
M^4@A))"!+T:P81+-!8LRYHO8(P\3`5`"(*`C7J)$8]H^_!)C#(,2ZH/]03B8
MQJE(E4B%A;)0G4I<3$Q24IXA`Z-B%7*G)IJ:8RYP7@AV01018`',[2=3@^4P
M!$S)+W*1B^P'F`U=+@<7&4;ATYGMR!?FS&,:+"EC78;F?*3TDG7AH#"-\M(1
M"^3\J^+BD<NV(#9FT*6@T?@=AD?+!3',!0KAU&XES6YJ`PH)Z*^&(!0<S&6(
MD,T;E';S&CC\\>;D*X#@!`,DELVGE%X$2P,>3^'TY$+Z>T"5=R*Q<7+APZO2
ML9Y,WLQB!8BW_6P2!>(]]M`5L<R>Q))A5H5#4^C#@,+1B%28Y[$>FK^1#8;0
M%CPCA<O2H5](]QE&,%]0H_YWEI_M*#<++.)[WI^)B.40BH_&:G)^1OZ`V"+O
M;K&W'LRU!!H/-`USVDBZPXEO4,=R01M=F!H%V:P-QE8#6Q5L9GH#M`Q'2+<*
M+6$HQ#@]=8T9$7-H^*_3TZO`^PS1()([O25O)AF3_?'?[Q-QVJ=T].$\<U`P
MQ;N0D+R1(4Z'_8@_@1_X_L__^W\(^>_)XQB\\I^2Z;O>)>LQF+UY.">]BW@_
M'><^,R9N89+!O=].-GGAK%:OU\[,Z3\GTI\#)?>L]]L)&M6I;5K.J6GAOW&H
M_K+L4\=:>!??3@*N7OWV<'D"T'#!E_OBMY-3Y^2?CEDS33,GB`T(+5DF]9=E
M8L_(Q)[*I+Z)3&P4R7[(I/&R3*P9F5A3F30VDHEC[4XF8.'W6:CA70?PR%=P
MHJ''W4\PTO=X?!&*^#SP[C#$N<C/8J[!9PP9VN8G!FZ'=>B/3&X[;53940WL
MZLRJ6ZU76.*2-E;)^=1J6O5Y2>^4M3W51GU=;:ST`1MJPZG7FEH9B\IHK*N,
ME<YG0V74S-J"#RI2&3#Y][@O\V,/>(XH1+%,7/V0LVV(,,(AMI?$J0N\HE$`
ML9>`_A\@7&&*.*6!7;147%0@L!.1E[9Y\D_+=.K-O*QWP4/E!5Q,B+%4P+5V
MJV8?FWR+"5>6`[A5;UO-8@4,,P28JD@)R5^13/-Y%JDX#7MS9FD^R]42#VB9
M]8;I-&:=H.QY#<*L-0C+P=G:C##3;+>M[0BSUR`LAP-[$\+:S;;9W%)@YIG3
M:#7-L[K5M#=3Z++W5H89M6;+=K95Z]I4SFEW8RJ=ACT_`J^OX[6IG%/UYE0V
M6XWV]AIOMIRM-+[XWBHJZSA@;&W(:U.YH/'-J*RUF\[\O&\3C:])Y8+&-Z2R
M9INMYBMLO%7;SL87WEM)9=.V7V'AZ]&X:.&;T5BSM[0<>WT:%^U[(QH=&-6W
MUG73WLZZE[RW<CBL-]M.?6MMKTOEO+8WI;)AM]OFUOI>E\IY?6]*9;MNFUN.
MC=!;VX8IIM/84-\+;ZVDT&XVM\6DM2Z%\[K>D$*G9:VKZ=^9#S/I3I2(.$=L
M[M/"HUR4I;F,W!P1<Y0_4NYC\>7G,'J@?B[`5RP\^W7AO-2L=K,UR\JSQ.R0
MIT*#_;I5=]Z`)X@"(4X&U->?23H]IZTEKZWBK]&:]]WE:&Q=[N;TMB%W,"NV
MWD)W#L066^ANR6LO>#JG9;^%]M;E;]Z1;\B?TVR^!3K-,\NVM[&]):^MY,]J
M-MX`GM;:[,VI;T/VFJWV&X`S[R,P(#NSVJW6-NYS[N5J.]%U.'W6E6[`Z=L[
MU"UT^NS+57>N6VAU.UXKX&BWT.NS+U?<Z6ZAUJU8K8`#MAQ`8[N=(WMC-[RL
MB8H[X[6Y?MXE;\IU!1SSMKI^H8G*.^EMM?T:OJO@L+?5]PM-5-UY;ZON5[!=
M"4?>6B#YA^`?`N[_=A)'"=O"KR^V."N$'T,_$!^@E]].!G$\^O#^_=/3T]F3
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M`!?JM-8P$=^"B%$?W\<MV%]#P>6!$91'_T/]A+T@EK7;*1HM]69][=77M8FN
MM#2+!&#;67L8/@QAEA7KUIKUXQ)L6?%SN^T<E5S+"LEK-;-Y;'ZUI"B_UEHW
MEW$8@BUKWM!JSA\;=N""+6LJTFBM'8^7+M@;)D1G0(/.$_,?V1=X>B!V)>R5
M;1<>V#H+YWD4P\A!:*+0H-B</X)!*V*%29034#LM:]WTB%;*_@7CAZ^3T@)Y
MIV9J2UG?4DJ:!%@[BU4/7REE32`:S693*V5M2]F[R4<I2LDW?A?=A$&?1;M2
MRLJVBYZ0X'&D.U+$2CX.0A%%SD><VJ[R1X>OA[*F(^VU"R6U3I;.1EZU1>$9
M%15<'E=I(9<UO6C,'_6I@;\"^.5,+O0`L8F=E%34U&[L*C=R^$I9.K=XU<:5
MMQDA+EDW_D+CK&"G%P.?_)%U!E&8]`<=%OR'T6BC<J0M6BR\7JOI--?U-UN0
MOX>R+B?DM!:.Z#QRL9=VP&%KW>6@XY![.0.HTUX[#_3F8E]WH-RPM>(]>:VU
M[HZ,#4G?(_F6E3!8-]5\N)(NRV&O?RS5X<JZ)"?=LM;=RE:>J.^"K%7L8!?C
MXDLM%NZHZTUGW=GD%N3OH:S+<=KU]7<L'H?82_+@+4NCO?R(N]ENO\*9EROV
M5XR=JUHKP9&_)G>RBO0]DF])SGO]0H+#%75)#KN]]HD&AROJLIST_`7);RSJ
M[<>_RFXR7D%G!814N<,ZJBVN"IYH46V!5>_0AYW+ZP\>#W@`SA`]X/;">[Z9
M9RWU58>3/B/84A<U2Q+=$O-[U8F>1R2Z+9?2-S7G0Q3=3#BQA=!6A"-O)Z[M
M@M[E31R)7]N]R`[>G^U>9`?OQW8OLJK[KT\T^'[W%##OAO?8=2"2"!^3["__
MJO`]#HWY>M;E=.R`C4)W"#3LN76X[=FX#MQPN(H9]0#26'N>I5X4#I5B3`O_
MC<,Y-=4VX6^^%&0583OFL?XRC_8,CSD=UC?AL357+UHBCXV7>;1F>,S=,-[8
MB,=6?4L>+^B(Q]27[*2_IZ.$5=_B.-K%MU9/[ENU.3>1TK`6D=:Z1,Y7LVY(
MI%UO.5L3"<%%H]FH;W&R[^)KJZL8@<;7R')=,N=+ZC<ETVK.U4:M(O.>_97P
MB'DP=J>?G'OP$77'>0:>?ZH\+#>:]EP"^47B"N.X',-H6/56JR(<EV5EC4;=
M7(K>-]%R.2;;L"3+!?+<">^Y^/X'X_U!S+QS(5@LUI/#LC<+LOE1$K&\:.R3
M?\(#K0VDLHS8-Y=4`;[B0"55B(\Y4%D5XIO>0%:=\!/[@_E^^C%F-9<)9LEC
MY44>K9I97QKXK:"N0*;+"3Z:C?;<G.=-F2XK_F@YEF-7A^VR0I!FP[&+UO:Z
M3G#-5TN*0BST@=8F<MF%#RQ`5B7$(0<CJU(BD8.15BFQ2('2>DDD;^A]:I+K
MNKT8@Q7.70G^(N6N;9?/72D6KOBSG?9;:*\$FU3\.4YM*_[$X#SP\,<5F/`C
M]5D0B_/X@D;1F`?]Z?KB6D\6OMYFFHWYO-0:9!7.<Y&+<W:C9<_GI:K`L[T&
MS[F%'GLC/=>:"VL15>#968-G<\JSLPG/5MMQYC/K5>"YG"L;&XVY:WFJP7PY
M5SHVK(5)?A68M]=E?L[,-V.^5G>JZ-Z<=9F?L_?-F+>;"WF.'3%_R87KAP)B
MA0Z0_,D/W>\K!+#DZ5U7:/SS'W[\\;].3R_O+CK_^7I%!O'0)U^_?;JYOB`G
MI^_?_^%<O']_V;DD__Z]\^6&@!613D0#=004]=^_O[H](4N*ASKW[W]@6Q:^
MG/YZ&N?>//-B[X2<GOZC'W]$&CS^B+^2]'<BXK'/?COY<GU[^L?U9>?W#Z1I
MMD8_/I+.U;\[I^<WU_^Z_4!<D!*+3B8O`B,/,8WBSQ'M#^$[U;S\:F!G3<H&
M.O?GMP^?[^Z_?"!!&+"/Y.OYY>7U[;]./]UU.G?PJ3.*9_OR62^>/M:Y^_J!
MU/&9SW>WG0^D&_H>L<Q1_-ZR1S'I\"$3Y)8]D?MP2`-#?6"0!Q;QWK25FZO/
M\&X-V?IR?O^O:^C&'.5ZN;_^U^^=]#-)R_7MY=6M^D1Q;9_]@PY''X.N&'V<
M_G9Q_O`[.;^]))??KLCG^[LOY/+JZ]W#=>?N_C_D^O:A<]WYUKF^NWU`R;P?
MV!,IC78O)&<JI/+D8YNC'TI`UX'K)QXF%@,BS8S0P",>.!ZT%3#\$9YG%D9C
M@@5N/$X0GN*$T(B1*)U`DQ[S6$1]^$"PZ!$H#WODEX9E@).0S?T"/V)RR5PV
M[+*(.)9!T.SD=S@,&?CFB+DQ?V3^V""],"(]ZG(?Y@,Q^`\2#\`1#D<^0]12
M)`&[&(+0`<YC,@I][HY)=RP?_)Q2<Z^H(0]C$;/A&>D,<B1/2$5&W'`X2F"R
M@2W0T<A'GT5&\(@;\2X^C%T*$H>R?=>G,"F13-)'Z*G/,C&1+O6QF$?(S@23
MC0^8+Z6+KP)C0WSOD29^3-Q,W#0O9SH,DR!6KSWQ>+"4)RPB.I/H'.6M^RKP
M9FU;/I+W'=D?+SGO);YU'0<^J<V<OK_"@2]YNBJ3L26DE<9_%29F;\G_TDOA
MUT'!BW?)[R,6UI7%'"(VE,7>X*(]Q]06%=]+6BF@[KMH4&PCB$6,[+<@D`5[
M)XA8:&6_!&%M*X@%1+R=(+Y"<!MZ$)!&C`H&T:+\N4(6RU\HM4C?L6OKC"#+
M*2U9**55]9\VY\^!KK!42ML'8-5K^X.5V@N)I+6L:,.46G-OI%-?4SHKS6DS
MZ5B-^CK9UDJ(I[&F>%;:U8;B:;;GR]UW+!Z98E@G*SGWI,Y(;IN1K!](LFV2
MC+RXNWVXN[F^/.]<79*'#OSX`@^0N\]$)B0_W]S]\?!!I1SK!YQRO`L(11L0
M8"@>E6DW*CAT-<F'R5_8U*0(5UG*Z1,O)2@-^`N`QD1,NHQ&F,]+GX2OL`$Q
M"*/X%!X9PI./\-PP[4AF%<=D2*/O+":])/!4-H]<A,,1#?`;(.07RVG*]":\
MP-6FPYC^(",ZGK2#9OP1'JS9V8,X!GQ4"=%V,_>A-=O!@'JHW%/)K+3`'HMD
M]C&,!RPB>-L$`8I!="3$C83DU[O[J[MW69)1)1!5$K;9:.0ZDO08]LQG&456
MH_T\29+G.)1[TS*Y3GB5R5ZCV;+F>FH9$/(LZ\DT&NW9SHK,9,[YXZ7._C)A
MGP%-F%45>=>>_[SHS*1MV@M;MA:(>!7U1>85K6;++);Z<I;T+7-I%FR'.BAC
M;7XK+AZ2*&*!QU1^855:XL4GRS_"8"VR"N>YW/,.JL%S:=GZRNJ\G`Q]E?6_
M7SG8`@"P7[G7(CS`7JW+%.$"]F<])AP.N9KO8+0L[['KL\#%4Y>>J[_:Z!6=
M\M!%6/F\A]587H5U]^7+=0=3(`^R&.L"B(0&,25R<WW^Z?KFNG-]=00E6/F)
M-@_<),(I=>\TK24B8L!83"(NOHMLAA^$$<0%8%3P+,/Y=S<1/&!"/A!&X*TP
M6S#$]V35$0^@)<R!!(QY<L+.8=[N)B(.ARR:5"NI/N!M_IAF5]RIW6.+8,$,
MTS,1\WBLTBC@8KSN&*0:QTP2GGY[1AX2=S#3P,KG,0L3^H_,P'X>J2P;!5+Z
M$4.A,U7YE7\>B45VV0\7&8<OIKD/$C$W[`=JPZP2V4R^*14(B%!F46339^1B
M);,P)H1=G_=E]9E\P,>OX2>=2))00?P0"(>?F*J!842`LL@C#_U)U1JJ&:CQ
MI(^1>1QH%I0\(=4/:4`H<HZTS-(%3A?KP'S,$J&2^`]XC_T8\4BUC_R!,*(T
M583Y+>!5?N7Z-,&R-53#D(ZS4K@LCR-)(SW&SL@GYN*C\!20F@IV1I'P%O3)
M7)2EE-0(&\)BM3#!A)O4742?`I*,0C`=;$!ECZ;-3-)47@@BB@&:J$<:<1])
MP^([?*B7Q#@:RU182G"JK;S5L$<8DR7GC"+H4G5(5_,WI_U1I%I\"B,\1U#B
M128AJ6"GW3%FVIA*0J*T?="5++9[&O#_S]ZU/B>.)/GO%W'_0T5O7X0[0K;U
MXM6[LQ$8RVUV;?`"[IF^+QL""5O3('&2L-OWUV\]!(BG`9=$2<J8G5D#>E1E
M9F5F5?XR$S\M(#4);<I0?%7X-F'0OSA!'/HK"LRQ35@_7-!_=C5[B$5EAE`G
M((L#7VH.!HP*6&)MYX640I3H@:1+CC39425CLLGRLU9.RO*G#;M;-01#:D8+
M9TF6"`>"*<-OAC&YP++Y-#6Q00]MF_XPL7T"P:1ZE<K[?.72=8R%P[?P@O##
M-R)@'N;W_'XF]A,?[\BHC$9OQ/<%T\D$"Q::3/%"'E"6X<M>R/%LW_-][Y4P
MW/3Q8YZ8\$K1>3;5R$R5SQ6X24"PM.:EA.]VK87RGAU<.V-G9/KL8)A<C;41
M6PW+BI%J4ZI3R$C)JS;H7+Q@`K+.'*I2XC(</IOATE.8.J3/P?J)*L"8`;G;
MR*T95_!BH`L.ZP-WMA+H7**_UY<>_25"_L9777S69/AS:N#1;+Y[)@QQ98`%
MQ_:I_J=SR?^BZFVD`];;;+-#J,>XACWYN9=AOT1F`4\[OG"B1<8T'%TL$3(Z
ML#_@,!!NSO7^?"D[/MTZ^)CE4\RNR&8L:W]JU>:R&WM73"(H0APO*AK@,7\2
MV5AU3>*J)6[I(X6.5T@TY4B'7Z#Z!DR[M*2`2"@'.S..-\4SG89T\JOO7B?3
M9.)[O[">H=#WSXI.PC75.9A^.P5)(`:/0%5I<$6BL';39TIJYQO9C:I4E?5]
M7Z-(6KG$+EZG@GJQ0XT3FA"_!+,;:T0R1>IJ*F18*GHC[5D8[MUT7<)S.M2`
M.D^3B".SJL&[7D/4^YR0-M9NG[6+&L+:8D0>]4J<L[DJHO=M3D]8>89^H<Z?
ML7GB5!-'>4\S=S3RH4:.V2<Y#6]4H.I8!SEXJ;\L29MOC\S(K9JZ)/IH6P<X
MT:]X*I\KE?(VQK`Y?2[KU>VLR[TR?,"[IBFVZ83&9!_4?QN9K\'RPL5,?W$L
MJB\L>^PZ0V?`O.CH'@L[H@/LHC&&X.V:,R"<,)],<NR"]_Q^B/^:<YQIG@$Y
M2Z+B9I+\$Y("PB0#:SF2UN$0K\3%_O.S.1K.A"8:T05JND1%N38U?K/,$&=]
MA`MI6I[2@.PJK!?F^\3?,O!>;)\:>0N['A9><\1$!F%LR'@JECV,[/_J)/'&
MPAECG5RW9OJ3Y/#$7XU'B1]*/*7^GWC\S-ERIU3NR#K%/H@?1C[!U)U_G'@A
M\TVB5R#;I=YR--K=6V%*,&JG)HX;;;UB8Y+PAL-A/CI-"\*;PVFXN"RP9^_$
M+V";Z"F;_>)WMN3BB_,5:P:V,3,1T1@^&3NFN4W&9@^'9.Z>N]4KV;A#I:`%
MRDPF,G2Y>]@>1]SVV>9H./)>UQR98^/H!YWVK1\N>FXWQ#]<$VG",D-05]UG
M;(BPKAE1>S0[4GSOPD2AO/_&-/QW0%ZW7K=.6R;&>^-,F`2)`7=WD4`6B@2)
MH72S0H*RLL="6)4"6:,D6+DWNR38;R'H2R0HGVORVKW9)<$>"P%/NK)$@EI$
M@IPLA,H^)%#D#>IPY=[LDJ#Z/@E6C>)<%U3S08+:7B30ET@PTP6U8TF@B$0"
M5=Z+!)4E$D2Z8/G>[))@!^!J08*X+IA[AROWGH($#Z;?]KLD`F514,'LQE4*
M;+N.-\KN\#EO&UFB4^8)LDMARO37H#X-GSU_4<)W^^]<N4JG%L3G)M.\]U5\
MZ/;A<)T7-]8E/J\F"UULG!/[+7D^J65=5F6YLF,^;"A<YI(L;]2R5JN6]%V\
MV6LN[=@I^L8)Q2Y(GD-*M5+5E6IUQZQBX^$\M609IM24LEY1-RO!_:<6*V*V
M\F7B^11E?9LNV%2/;-\A)UN<Y<`A3WS[F01'7J+^82T[;`][YJ_9Z+?]GFJ.
MO%ZN55:GM6U@7&>86L*[IJW63DEIAJDEKU<J6NTD,SQ%(OKIY#7UM/(32F[J
M.>)\9=@+US'2.R\"5#2@HI=0T;6-J.AZH_%X_WA'<\3;O5NC@QKM^X>.<6NT
MNLWO!KIK=PN"B1YZHQ$#SQ&(K(TB;!##^@R>"9R.XGD8YA.O/CS9",<Z&$S'
M4P:D8)B=07QQ4I03"0"S^+OYBU6<C`""CF<AF^(NUM$39S3J[$T#[/4&7[ZN
MA%MCPK]+U-ELH@L)B<^[S?\U&)T9S<]OZO?-NQ]?WR,XO?9[O=.L$^JQ4/A?
MT7>CTVLVZG>S]Q,5<][WPM`;1_1>DQ#ZH-\-QI?9<S:*#1MO[\>=L;AP'U%:
ME@TZTYELG*LZEBV9_;O7"OJ%5:<]&@43DP`CR7:%?IZ8EC7[_.I8X?-OG[#:
MC!'>7_QI4>VU6'^$D^S+Z/<9@R(5AN7_USNDO6IWKHW.G%QCVW*FXXC`[Z@^
M].VQU\-+/5*JNX8U\,B\W=\^:9]@"N)/X3(N=/Z&F<440)6(^L[)+:U38K@V
M+;Z[9LLXOUU:S-$T]R=T^5TZ\Z/E,818X7)_9&(O3,$JA$)HWB44&_!F4JWR
M%KN$Z-$E13?H*><W`GZB2*4[CY4!=E%S7D$$:V8"/::`K_H--=3!E%J(,^4+
MG7OT$3BP/P>N[:%#RIQ<V2[^*T0/$1ZT&=KC`$C,@\0]DIVS6W?-IG!5;_SS
M6Z?]V+H^;[3OVIVOR'_JGZFR+JFEDH3__\NG#1/?.=%EYT!9-_GGRMQMOHK2
MXLP0_<-TIZ3\=^2=B<COH]Y,U/CR>S]'K_R\_4U[/]TGC978XW5)T94C'_G[
M;;-GG'<?Z@WJ";[ZYN2]63P8G0;)[DR8?`5@W%E-*JER\IS[`JSCSKJ2I%5J
M`K)N7VW_^NR$]@=5O+I3Q;<W;-FC(FMG9.O^!?5MO&$GL&W:BV&.?0\*(([[
MO/(HN52E6GF'#065(CX/54DI@SW/,@?/JK(JX!I,;2>PLN6AMB:^Y3G$C-3'
M\]3ZR$J0Q!J2:[C/^3`'47IO,J<3\O=VEBDM@D.&$5\DBE;BN4@.X5.ZA@PD
M*!D)TOEN>X\3()"?S,J/)I>S)S_);O!X6FYRY$XSC]UP%I'=9*:7]H2P6H1=
M+6>:)->JIU\P8+&S*T.J5.:[,P*;73`).M-K`ACMC&V]-3P?RYOV1_;14;HU
M%%52:R0^5L$6R;:A\8\Z'/3ZV.I0)%GG>OI[$(M.KV!!>#X@/&=EJ:8D[^"]
M3XB3>7@@/A\1GY)4K21_HI>`^,2-\R7%]2X^QF'Q2Y!?D4#:2T!<_O!;19;_
M)XZ_W8IZ7F.Q-]F"2MX/@+R$>2)DV>0.S4"E$>C\@*5(@.I;A&@&0MMX^\8[
M9G$*QR75-+'"(.7%:%TW$M:VD67WG5GEW_UDKX#Y`.:F8`^I1NT-CTP0@)R`
MO.8$5&3("<CL%/@"ZC\(L7T'<']MAZ8S"I#9)YIH+Z4S5U-"8IE$A2_7YVT?
MCHST`X+\PRR@Y4U)BP/'M1'VM\=1B58R_+Z/+NE<YOTVEJJ8KLFZD,CS6!+(
MTSP)9#1/`@G,D3UO]4`S0)9F+J(L9004M2E-EN=N$5!NP%#!X^6[-=-A](1(
M5!+G7'L$H+"%RF``*L^"<V#4-ZD0YI[#(+"8%1?$<V/MZV.NQRSY-%O1<B'=
MOH24:U%M/V\M"%DFJ7!P_AJ:*3Q+P`K-7^"W@=]6$`11F6O:)@#0BN6]/9"6
M4K1N!0DL1=AEK$!I*U4WL+,G6X)FA8'.S9'.A5POX20H6VJW-:_R=WHQ$LN3
M/41KUL>>'SK_/V]B;D4EF?I1229GM123NA9(@TA(40[.@:'`4&"HR`P]T4'K
M[JQ/(PAIGV6+5N;E5(.AH')8KJ90R@?42$)GK%US9/HDBD,0)O9X,O+>;'OF
M:^U8%:*KD^1+ASWXCK=HIDVZ6(,0'JM#SA2H,)@]_N5>B0A58VK148-VL>>A
M;3)S#I2UDT0`WX@E/]DZ1TQ/G1;M;!$`-EQW?GRCU+#S`W1-%MPT"/KFR553
M52@7)I8$9<M9*R[6!D"-IUXI&=.U4`I7,/G)EJ8M`KQ&K-)Z;(NPUOIDI5Q)
M4G()A:X^4.@JC;+14&*/X]#25K?OCR-%?<M?DJ!<&I1+6Y$A_N72!KYM'5@O
M#>2M./*F'BIO/2)?AQ9O0E@RR;G#:$J*QK%"./3G:3C'4!.4&W/6G,$<2$T@
M*^@LL&W4\HC/JU._CK".W(8=/XO5E/IRB'QC'6VXUHUO/I$T\4A+KRK=V8>_
M74Z#\R?3G'QMQ&?8I(<H9%`];$ZN1M[@Y]__^[\0^MN.JQ^PMSYX8_^=WX4<
MZ[=/^UY\H9=*^H6\^(?4'7*)0>O8P]\^D1I/YZ0*W[FLD/^%'ONDJ.>:LG8O
MOOOO$3FNVXW>CP<#/8?C$7IXO+IK-M"G\\O+W[7&Y>5U[QK]<=N[OT/*A1P+
M\9NCRTNC]0E]>@[#R=?+R]?7UXM7[<+SGRY[G<M?Y%D*N3GZ\SR,W7EAA=8G
MM"!]G/*Q&H'WS=9Y),05N;HJQ1L\I6YH^N$R9^E/SR41]=D1-2`7*0B-QN/]
MXUV]9URC=N\6>X>-]OU#Q[@U6MWF=P/=M;M=5GWQN30G0SXK89+58[IORQ4P
M8\J'U-9ZMX=FI)0:>.](-M54LW5GY;GH,Y86*6*K]`(Q?;BBZNB+G(`HQR$;
MS;/I/MFSEZRFBTRB#MY>?^0\,85(PNKDTNFBRM:S-R(6*RIU<<9*;7TA-2_,
M%ZP#J=$FVI%6WEK4OI"H9B55/C&)5O?)6)7^.67E,MB6>6M-+Z9@)SD7I=6B
MJH'-Z!(^;Q"J?8S@G/IXBP+%4,4OAEK2XQY@S"DZT.?*7B71'$R!;S'4CQ4[
M%1O](5[9S`K;S?;0M=$P[J_P;#1%R@B#@=4'L9HM8TZ];XI$K[6.7[`>/L[?
M#;/>,,?-?-LQ\C75=M9LH=YM^[%;;UUWUTY=A*SU]K"^+R%[A+7MR\AT1>0T
M;X@C_AR$ON<^+8)EB\]'QA^VY<TNO8LU%/K"YXV`:SV$Z<?&1+=!^6I2214Q
MCRP[@*K';2<B[QV$)!4M%1$UDS'4U;*Z6S3?2T;9`2BK8.*E2TH687U9!F3M
MVVFD,,B:8T%9B7B=QR*V5MQ2VJ@P2;<4(%W%00-B:=(JR9>4/6';2WZX@XW@
M@%7\@6N1W`[KQG%-=^"8HZ8[)$<99!O?'CY0K%`4.6V[H[=K)QA@I3SU%X"&
M")KPX><`:N%8U(+*/\A:6@19R6'7*:`+JGZQZ;#PH=XAJXW`&.JM'^BFV:JW
M&LWZ'6JVR*3KO6:[15?(LSJG4#ZCT`S(1STF$K0?3MT!`[5/?&=L^L[H#9D!
M,O$%GH\WP'@IXDTP"=6S2C_DT]1U0H:5&HU0,.T'CN68_AO"SZ6;X0N6%$;@
M6%%YH&`&T$)/MFO[V(?#$S6?*/Y!(OX<P1G.7A2:O\CT1Y[I(M]^<>Q7"=^.
MY9I@LLPI@6>Y3U*\&8=IO3B!Y[])^+'^3WOV.U846*O8V!`$/Y=>.!O$P/,G
MGD^0C+-Q2G0$PYDZ8A,/R25/SH`>1KKXX1<K\?S%]<Y"?^&Q$Q>5G!U@FH8>
MRQA8IOZB+=MJ_#Y_H**K^AU><P;JWAI&CW5,B:&'`*\`>`5Q@OTYF(*@X3L!
M3_7%"\H"7J$PK`:\`N`5Q.$OX!6V'CW7N]W(;87J^@>0>-MA;R9J=P-#<\90
M<2KQ-<S@N0CBED2$:;]`ORPG&#P"_9(*IFG&1*&X)J1[TGWV_/`<B\,X=C!*
M,[?'GFN_10>CY+C7@EX/O'1,62J5%=`R^6%O69*K7'O@Y<UM:6[L@+X.C009
MY.7&*%)-KH&.R0]_%5DJ:2GT9<^%6V/\W]0)W^*Q7NS1]$WW)PF[+D+/((Z<
MU$VMAOD*&Z<<\1=S5%&Y`I3SYM-LU#&NYYZOZ1D^B1Y%E<1E35.2-!7V3CEB
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M`4-SQM!L>G>T('$0>H.?I&"\[0<+K6137#&88V'-\8J[1ZRSG'K,%OR]_`J8
MHLB27JYF3X9.<*;Y,=A,;'^-ZJWK=_U$P#@`N.;DZ`@0/(Y1HV*#:W:5AL]?
M'>MNK]XS[O&77=2^06U,,%K`FQVM0@_D?9@'-84YJ<DBU13.P10$K1(JX.&6
M>+5?%85.Z8=1[R`#*Y]KJ(^<>YY#?>0CZ;4CS`3TVD"OM1(9H#^R4$\ZL@D9
M+"C=;#7:]P9Y.`0M#R!QIF-<P%!@*#!49(:*`W5I$M$XISW5WF+=RVA+,M;U
M=FA#[DBR)6$DK02I(]E/'5GP$1B7-<:I7-OV9@RJ=(B]N'9(RTW7"A!I>@M%
M4I,S"R6I!,TE\L3>JB2+V&@".'B`H2B)R$%Q=A,KU@'*VR9L(\H5V#CDA[D5
MO@`A8%^Z["NK`K(OD_D.S5GU$G(*944V!3GNP!OSZ/D"0/0T,AU474O0-D&6
M0\&$2Y/+(#\@/T?+CZYP/9O-;8;,API0+-`&L`J$7`7+)KHJ52I@I$&\N(F7
MHDA:A6L;*!"A@HE02:J6N?8M%,M2I]O7\(\'H]4%]!^OL]=,8(N`H<!08*C(
M#!4G7C<_:+5_36PW@(;:O`)SRKP=*H3F<L%>1<S^ML#!K'-0R(U#UQQ1H`8-
MP-GCR<A[LVW4MUU[Z$`S4([([Y*<9"L]T#&I`\0TOH6X@(/I<[#&]?@I"UL&
M_NT?^.TGX)PUG=8/9;F:H"6"8_R"B9<BE:H9K$$.$B20!.D5:!^2)GHC%BZ"
M-2'DFE@VVEAPM"0/&4'E%DR\2I(,Z`V0H(^@+*5:+8-NGT`1.8J@1%?&3;MC
MS#[UZG]$%<=9;7'\/<*C:G9[G>;58\_`W]<[+?P*6JFV^WC5;5XWZQT^;<"*
M>A*T;&LUJ:3#46V.V%N6-!%S>8&#^W*P6N%J:#*V^SO$IERQN!T:>GZ41(="
M\Q>D87,S#M4:I&'GA[E51<!B0,"^?=E7X0L?S\(&@^=1H$'[R6$[@::NY6"-
MYO2GH6TAV_1=QWT*D#?D7<L#-N-IG!962F4X*P3AXB5<9ZHD5Y-O:/0N/;Z`
M#&56AG2I)F?PO/FT(;YC6QBVC%["^=FYZA"W;#R%:DU8DI1:ZFG;T)@PEXT)
M2Y*L<=WN@O`41WC*4DE+'J*3;$]+P1L/8WO]T#%NC5:W^=T`^YT+^ZU+Y1HT
M%LZGV*6M@C5)XUMV$H2G.,)3D2J9=/Z@)S7K2=VH=V_1S5W[=^A)#3VIM^N#
M4W=#ABF(,`5!.XU^W/AR-_OB]8^%GM3%XSGTI#Z27M"3&GI2GYR_T)-Z1XD`
MO,^K]_#5J-[H-;\W>U&B`M2H/(#@VTX:,U$!#Q@*#`6&BLQ0<3+B6G;(K_6/
M\$(W.E47ZJ1!):!G.!_ZIP7H`,:EPSCN8(J,@1T/L0EUZ\]I$(ZQ4*#00[X]
M\-R!,[*1.[<5Y'OR:6`&SVCB>Z2'G(7Z;\B;V+X9DHZDYB!T7IS0L8.OL/LH
MDF\##`6&`D-%9J@XNX\3I,,55C27]B-GE5+Y"^Q'\L->[OEBP,&4.7C&/5^+
M4TJ?D'N4;N@-?B*\%R&5D/&.PW.ARPIG&U&%BDSYX:T&A?,SS#V^W96SL(O@
M7C1_,9'SQ9^N'7(0#4A@3Z/"QEE%J2:Y98$:&P43K[-:-?GT#*BPD6<)4JM<
M#7-*$I3)(OJDP`;-R'GHM+\W"4C[ZL=6K!NL%R'7R[)!UZ2J#`7V0;RXB5=9
M4OCVAP,)*I@$*9)6+F=/@L0)Z#5;WXTN@,\+'%P&A@)#@:$B,U3(>-[#U!\\
MFX%-$!^.^V)'^,/`'DQ]BB+<>'YKOIC.B)99(-7W`W,$T3]N"!&\/:N6`".2
M(P:3HL)\FSZ>[DBSL#S4)%E/(0,AL4/%TX<#'WQO8-M6@(:^-T9C,R06YDT`
MPP.[^C2.'56I)$.M?A`O;N*E2E59@$`B2%!F):@DU?0<]_44,XYX]M@UKE&S
M]64IHKCM`!-6CI`K9V7/JDA:I08@(1`P;@)6T3*HF$%^A)$?[!S6=I28$U6"
MQ(DHWC1;]58#(HK%C5<`0X&AP%"1&2I\1#'T;3.8^F_X)=[@)\@CKQBA(BD5
M!6*$.6+PF2[I"L0(L\W#4I7KIC43$<)#3$.OWGE`KZ;OFVZ(?'L260H0.4YV
MX1PL0FY8>P[,RR[ST%E532%U7-P,M,-P(?;0]GW;8KL$9#FDK*%K!6AB.A8(
M(:]-@RHG&J(!'9.^CDFAN`AL&!+DH"+))5U`'F8'5-CPQF//3<IR0'0N%?A`
MJ9QH440(_A9,O+CNG4!Z0'I$EYYL(P(C0.!6R`&L$R'7R8H15Z2:#F8<!(R?
M@)UA):5GL=`3R)`X,J1*>IEK=6?!BH6ET*H,V^EFJ]$QZEV#F&EJL^NM:_:'
M\:_'YO?Z';Z)AZTNZDG0LBW5*TDFRL%!;<K,5:1R2<!"PL#!`SA8J0E8R#N3
MV[ZMY@/5>^@?]=9CO?,#[;#8X%()M>\K2TI4C!5V?2!>',1+ETH:UXXZ($$%
MDR!5RF3VX`F"KAJ>@^5-^R.;HPV_-AK&_1463"TQ*QX?MV"K9-O04NZ.?=#8
M=ACW<CGU4M'[4S!MW9PKL3NVT?.QDK5P%$%X0'@.%)YTG$+^PA.WZ9<A*5RV
M^&@Y+_,/D]E,Z&M[G7JK>]/NW)/QNC';/!NN-C?.L1$N+NNU'Z)K;MJMR)A?
M*BJ>7<\9VP%JV:^HXXU-5V)?2*AK^\YPU0?0B33=USO?FO@-U!^8_=YI?KOM
M1=\M^0BJ//D5Y7H\V\CL.Z.HQ%N(/\X[RKZA*]/]29J93R<!R1$<LX[F^`MR
MW<3T22FX@3>>F.X;<H+_L'?MSXGCROKW6W7_!]^<K:V=*A/\P,9DSDP5`V2&
M.B10A-G9N;\YH(#O&IMCFY"<O_ZV9!X&OXU?,#Z/W0"2W-_7K59+:LF4@?`[
M:J>6_;)S`\W7*GGWH'E+W:,9,F254N4-M3+0*]0TO5HAE\X]ZX:A;_!KTLE'
M!8J>"K765&3:+:BZK)D4-&/?2F<_W%RAJ?*BP`?9-)&%)5@;^$57-#0U7>R+
M'BJKRE+!DBL:)2_UM?UV=PMIU`H9N//[T$.,ZA]\ZZ,)Y*P4"S#*&EC\VEBI
M:WAL'YJ;S11,`TWJ$_$5@NC_T)0\145S3`T6P.:+TC52=BL(//F0,V<M9/QF
M>8UZ1B1_#C=`&%H`BH6N`L^W1*V[*HZ&J3G2L!K4][VNS$.YE?R^M/6B4S+U
M?`S.0):L:,"/XS7W^'(_+"90292(@8-RIVB&=6=M=)!3A99E@WI'L@%L=+#]
M+.5W2E9-'2/861::^9@5Z/*(=04ZA@S_TT`(<,@U*(MM%WJ)/$?D;L(7A&P"
M3FUF(8,UX(:?"9#?6$:@18:A&8;!%#NL=ZL]`F@/?/_69>"_"R"7S\B`X)F&
MWL3RM\17K)S>IZ?-[@UYCF4Z1)!'[F3WX9_UM5F;R_+JKJ-K,_R6SMF]HLG:
M5)'5O@8L+XGVAB\CPDW'IF:HJ>]=Q9RJ.HB+)N!+OZCZ]._/__U?%/5/1X-D
M]D,:&,%?T_=]24J9?;H)*G#;$(3&+7/X[PVPIV&O/48OGVYPYZQA\#6&Q?^S
M=/L3R]5XUE47:G_>,M,==B8_1SUJ82U5:O3]RZ#?H6YJ]?H/OE.O=R==ZJ]O
MDX<!Q=XRU,2`_DEZCZS6Z[W'&^IF85FKNWI]L]G<;OA;W9C7)^/Z&VZ+Q96W
M?]8L1\W;F36[<<3Q3B7`WSNO_M!_K&V'Z"8C8;<:$@$\6;)A'2N9_+00KF2@
M.)S^&/<?._W1H/=$#>^ISO#Q:3CH=]N3_O#QCICR0KCR47*Z[RC@"UYVW1.@
MPA>VVP2OJ*YGR/;<TREVW>05[>TE"`1"O5+[7DW#N#"])?X%^^X-^&WUO:9O
M-.)\#JZ.]JIL>[,_=H/)!P!NK$V+VOH%FC1[J#=07A`\#IP$5$>[4M0?QR4^
MV#YS-SK)-K#:%$85L'H,>:T"6BBN0"-X<*`VBK6@6`G&T.EVV(*Q<X0TS7Q7
M7V5-D6]/I2`-PS!I*:_P82_2SM>3H0UI<_#DYO:M]\C8X'MF83C!3A^<,:D%
MCA=XG8)8B@7#&[2,(<\4<Q?*[-L^]<O79YM][)5V#.[-#O-!/*`\M56SD('R
M9P3Q#,+Q@"9O8QT8KV'$)>/U`AN'P\@/!O>T-W+;2NQ*=D@!BO#I#;C+X,$+
M*X38RE8Z_+`5/'*JK""(<\0D\#M:;>7"TGS72$1&GG[H25.9^L.CCF?C-`4A
MRM=V>_0!3.??:P7&>&>H`"''4OX;43#R*TOR$,P;1(SKY<JFC9BD_/)"(K5]
M1(;#H95N.$0-)<YN>;I5%)92T^&!T$6FUAI*@F1KU3))<#13X(&&'?Q"X^:I
M@!:)[G`9!"9NUX%8"A<P\%.WD51$96X=@B/66^K@34QEKD$$/<6'P`^/-Q"$
M]&CW!-"`OB%=&(>".):&?T"\#;S/=7VV453P=-M@T9+?MN)[WB.=7@#E&\ZX
M(B/H((3\!_N2:Y`"]](NJ!8"!Y-E\'^&QH-NH/8+4,MR#U!G8>[BIH35<63$
M^$=5LEG37TX"*>8DD`+/J-BEOS]U;Z@9S'66$%%_NJGQ-Y]9@6U*\.@C4A+*
M>@9E3\J;W<9D8>CK^2(Y>WXM94TDWVHTD_/H)_49E$)+"-FM#(T!GO_&YM+5
M1-8D-OE6*SF)+G'386^KDKV*SN+QM+&L&>68ILBG0NFIY*?DFI;9UF:]MQ6>
MDNY(.O[2GN;Q+8Z_97GQC'FBNXD@#@2.9T\H.)8K(10A(A3N"`IW@"+$A\(T
M,X$B1H3"'D%A#U#$V%`:K187!PJ)W\>*^7<7XI97&<\*VF2UKFW=RXKQIZRN
MD8TO2DDL,QNAWSFTQ<;I=ZS8.`871:@<$',LW[IE6RTI'FZ/:A>*7CJ!\68J
M=YJB?KJQC#6*3,9I*\=DO"U5S;R#EC]YK#^!T;/UOQX&3],%6LHUF'Q:."B^
MH>JY$,"=ZC$1`:Y6<B)@H-B3=ABRHK#@7;P,?=];LEP)*(\K*`495<>X1"=I
M;R;UR:K!1'[;Q@Y?D(9>%,N&'U@D[5V+X+[`G\QN`D7+`*D0CC0P6(V.%'?Z
M(I&*X4@#8]G(2%M"8J!=]&Q!O-NQ=X('2#;1\%E5YKOU<0`:7"3SZ7A+/-%C
ML#P9P,MRG&ZPS89P%KP^^"5CC=<<.[*J=F4+]61#!:=J[>'Y%]G.AL46R^%9
M$QMLK<'S87<C,/-GH(Y8XT_P^0L4A.]>GJ*VG6#@1G;XT3:Q,$Q^ANE5+W#-
MC:CO5(%><@5!(WLB`'\,5'37>'=C!..D/O,`ZE?4U@/',=RMP#+GK&QXM+%G
M8+4VD)."QLUG*,#P#3_\?N+FP(80E8W`\>9:V!"CLA$X)B5A@RLA&\3I,:US
MNXI7(V%\<&()^1`B\Q&\DAB'#W[+1PGI$"/3$;P:F<`\!#8K/L@^ZFQD9P?*
M<Q3"R6GQ#,=5;RJDAA"%BE,Y@^C8[C:\XY##`[[SY\Q#(TX*#HV<PIQBLB^V
MM;?($5FT?D2[J,CSMWR#(HYKG(1$GD*EA2IPV\`74ZR=@CP1L5$1G4PZ8B)R
M3:MB(`J:&(>4R76U@V,%;Y01)\>IH,UMQ8-C&;9PM+FM>G!-04H1K6,YTANJ
MHT#6BQY2DPM&YI`E95A9+G9P#4$\$Q>4L;>5'"5/7:I/F:R5UA)\M.8C3R8`
M,]U38AMB,T6$OK!R4!;+-!K>([I3BC,!9*H,/-J?"V"X0C@I5IL/=-/LR(;Q
M_J(;&]F8F=ZX_,MGKB^>"3$]?]ER)2%3_RE)(2I/3@(^:N:#%_^4?>IB&#(L
M10H@LM0/+WH')+%`C`P=E&B]CU19PQL!O7^OE17)/?8$YEL\\QXI\2'#G:]H
M.3*0;8X%YQW.G,T`_&'OF!]UX;9J(4,C>^</BJ8LUTLHY\U)C`8RMY-FHQ7,
M4@QA2\9;MM;%GVX,9LG;[KOMG`F?L8!_DTU',-SM%,H<P7>.G=-SF\G<]AIB
MB(^*+7*)F<PT]&BQ(;XN>R;'")_F0S@_MSV=&FL0#H<YNZ^C,AG23.;9\&+(
MO".VQ"4F,E.3Y+P7NXHE$H;\5P7;][UN#'19&Y#C96=0ZMU@YO%X@P^9;YTA
M_(7QG&G^#]=,PQW$Y-FQ3-/?GVUTD>==*OMYA1\?WO)D!C+;F7SZ(#UGOZ>_
M9^XW&-]@_U245#%E&_OX!N*),>'8R$`+'`J](GOY.PRF1Y6LM2FX<A/C2%<`
M&9F:`<O[KE$E80/?T;.-B?'Z`+CR]1+?/[7_]I#VN6,C1A5;UPU\TP\KL&'G
M*TX,Q*-:R$Z<Z)H=Q)"U`&K8R-2<F$M<:D31/07-AAH_P\.Q`#DC[UCU.*^5
M/&T+8GS)-5B>)WYI.<W+*-D&)[J&Z<(Y?4365UG13#MV/9]=[_;RM-T:SL=P
M3:/20G)1E.=EVC6VP;.NH*5<E(\,13>>[(NI<)J5O8B;"OO!3>=K^REXF%!$
M5Z"0W'H&G\(PFI-"#I<H;O=-#P>@4M%*A/9]^TJ4<ZAQNTXJYU`OG.R\^D$Z
MO2`"J'#MX/MOQLA:&]I0(]^0IGS)]BYNY\2&<!<IJS8FD;SDSJV-*'..U`A1
MJ0E,P8T[ZV,C3/K.H`9?FH?#$QR=!''B+%>8G=2:0G@,?")LIBP48Q*2%,DD
M8K&PU`U+^<_VKF5'O.K'AE_YXFR#Y9NAT;J?U+G24XC1P`2RY=H>*B4]8E1Z
M`G/_X](CN8Y>9\2.>\0/7X&,W$"N)V)J\>PI2.YX%'K/&R*1YUVU0*<5.K6-
M('X)V"O(IUT)>X6XO-!(*G7N#MW?.<<)#,>CUB^N!X=.`J-"*!67!?7G>#9Y
M*606$]'D2N9:LX8OO>5*U=^1T=9F8W)7^FPD&];[T_ZB\[[]EHA9/\)$_)PV
M\UR=%GE7[F":4$*Y/US8_]U$LXZL3LF;I[2Y:P,8OS`'2S(^W%B04FN9\>U]
MS\?Q90XI8;@8HC-9W3PEFK.)+C?/N+GABS,W''J0@:\Y.Y]U_[9S-G8N+6/W
M1W05*LFE6UR`2O"^&KG+1YENR^-P_2R7%-YD/N%WJDXJ'-0%ZB#[L-W[?J5&
M,V&7N$HM9!_O>VM!2.J8\M<"/G^`7S<YT+7Y!!G+W>Y5\)P@U8<4Z;.D-/44
M#/-*-9>_IZLTEX[F\O>.%Z^Y%*/JN`\HQDN>%V?'Q7AEZLK?-5;J.D-=^?O#
M<JG+-2OV8=U5+L]57I[AW'>/A`F8*?+<CAVU)/?U9H4BYR(C=_01+@%RH>D^
M@IH2<G,D*[-@T*1(8?N:;),/2XAQRID![$*V(%G!?8C^#-CD[93*\YKXT2_O
MNQT@'P9\2A=F`UQX4I2/R+GQ4DP"II@5+[MIQ?T:IA.[VV9'\CLYN7^OO*)[
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M`#VE;G(^-2<=Z%JH86Y921(#H$2QDY`F@D/A1E@>=9'N-0DY)Y9R!CF-9FB2
M>9'^AA=;''>FZ82U$;R,U"SOH,0FH^?TA6QGT,/S84%ND<;#M@B<L]Q.<!.!
M;H=IAJZ5%>IW$K!SZG>2L\/RX;<Q%FH['-_P@-:*8SO!302SPX5-KPLUG03D
MG)I.<G*XION=$ZF0L]9F:(9?U+HV[7I^S+@*YGIG&=\20X=LEX09@\_M?C"I
MT0QU&PG`X]4\]RT,`7>V!%7)]:H$T?VVK1BB%L),$>N5C!3J,U*F*=9Q_N@-
MY'L/!QNZ&!%9\-)Q6,I+.=+C<_?V<5S#AS%GD>*Z)BN%D>*4,P/8Q6P00`!4
M+.QBEOW95MB$.@YL[XQ1'P*\"Q>7`]40P\8D;XES(J68!"B."_,&A9)23*<)
M7\%,1HIC4/%APE&BP,UF)BS&=8B9.N:"LD7=[YK-$7,Q9LZ'3NQC8#9[I@6-
M[Y,U=HF21_F3?0UGI!WR_'S82=16<0,+$YKZF`A0&.,3V9@C:[_@TE95?6I?
M]N-#JW\%&[G7OD8R!GU;\CW)PN*3+&(0A_[2)R=J+&MS]""_X3>BQB;-6?FR
M"70B*0^9O.A:LDQ(IE]+P60&GJK*ATS[7;T)R;0KE\0RSR+31E(>,HNVS,"+
M4M(A\P=2Y@L8K]JOR)#G*.(($U++-ZDE\N*]7UU?OAC@*XBM$(D+H\DSP27R
M,O\O0U.`/TJ:YA*A_[&72)5WZDMDDXI/%;FL@>,ND2OOO?;H9N57.9BK9NL2
MN?).;8AN5\FX$OE+Y,HG_2>R8?G7#KDR)7!B4%:V?!*N(IM68K8NU6=Y)'E$
M]UE^E4.X"@SLR\J5=TY-=)^5C"OV0GU6!HDV'O'GA095&23BY$&.<^41MT%N
M?D%3?:XI_T%'%SL$E\PU/X+G/&]"#Y8P<_A"./S`K8K(\+EF5O!WZ]$/LC5=
M*-K\Z'=D3!&^]9S\&$1-]%:RLYJHX4]RV4M+:#9V&#5"RIC0[8)J6]/6LGJT
M;0*-;9^%MNT&41JGG;RMU!T>G"-]J6G-TU;=8V>:M*YT4[$&BORLJ.35#_BN
M754W01)S`I"^P##\]Y:Y*$73MKG/OZO6Q_^IU;K#SN3GJ$<MK*5*C;Y_&?0[
MU$VM7O_!=^KU[J1+_?5M\C"@(#2A#N\/D=5ZO?=X0WD<<IN,ZV^X+197WOY9
MLQPU;V?6[(:JU7Z?6Q^Q##/E%?]);?^F3.M=19]N'OJ/M1_][N3;'=5DI-7;
M1VK2^VM2:P_Z7Q_O*$PX,F[V%0'(DR4;UCW$.?@.`+MY\M."VS5)&IB,VX]/
M]\/QPQVEZ1KZ2(W:W6[_\6OMRW`R&<*W_,HZ?I:*7JQ#L<EP=$<)N,S]\'%R
M1SWKZHQBF9559[F514V4)3*I1[2AQOI2UFC["YIZ0H;R<FAET+N'N@T,ZZ$]
M_MJ'QS`KQU/&_:_?)MOOB"S]QV[OT?[&1BW=_BXO5Q^U9W/U\?!7MS<:/O4G
M3QAX?<'M25BESP%_X"`_^!RS>K/Q3Q:(>M$AF-W`&$)9\K.**'**XD4WK`5E
MP<_/LHK/5U+Z"_F(;RZ4M7="UC_XUD<3'`+I>>8=H6OE989!1K=]J%T0,U%[
MZO]OSZ;#IJ9VWW[H#W[>A?%"RO[9'O?;&*2F&^"F/E)_]L:3?J<]V#T?=_;:
MLVY9^G)+BTN1I*$?/9N^73N>VK7EG?P<]`X%HVC\6(4$Z4Z%-:X!)L#8_X]D
MRV_@Q)"JFBMY"EK$$QKR>27/9KO/&V5F+3[=@`-S$&\<_IP1/W+H"EB3]I?;
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MV8#9UZ]@?O#9M`P=P,*GW\AS#Y]3-LFC9[%"@V88+ITG5CXGCM)_2U>OK"#2
M'!<0,)?=NZ0<N`0[FOXOZ&2R&N..'(K4H%N<6/F3Z]&OR-+-9J-\*LPS:@F>
M!3W)K^!"S,K&TO(A35H4A,J'7(]^)9%F>:%\*BSEHLJ#KJ%W:BD;?R.KLKF4
M?`K'MFB)82NG<CT*YEB!EII,^718GLBD@PQ+>5&FLH5,G'ZP332@%`W^U/2E
MHFWSB^&WWUB&H1F&H72#6NH&JBPS)=?3:-*<U*P\S_7HEQ=HGF^53X6YA3,G
MNYK$D3EW->/XJ*&U0`9E*<LT/$Z88,59;-A&<$X6'4<,_V!*9&A)R#*8BJ/'
M7%U>96#9&!@G,33?2G7Y.A\;RC;8\\3``X:9OGY643Q/.]$M6=TGFV;5&9S2
ME:PW^(F6\\Y<+-G\5\F$!BUP66[=Q5)O\5[XJ@POZ>Y@4MN2(*9M\JDN\^=D
M/DX'7">I\(>/SC,=UW?T8+^)B=Y62#,1I6M[[XX/Y9B*::'9[MC!_I!"=<J@
M.F50WA3]"D(9()0T;[B$2U;ERP9G60+I9Z\]IGK@?+K5B8FKUWEU8B(A7ZX3
M$Q5?@7RQE?^XQ!,FVS'A`H^8G&9JP@P'GSDIHUJO)RN<ES)<5JJV*W/)"&=9
ML=+:Y6E-N.`4_BK5MORY"Z>>OE5Y^JM1+BNYPO-*?9>C/DXHX8A=RDE!E2*=
MP5C0Y*MS6]>C7*E5PO,6E?HB]TV69L1J*A`P!B3,;<?2[.\JJ?+<TSQB(U5S
MB>M1;J.,Y_4J]455G\@WRZ>^ZGQ"E3Z>Q_D$GI;$W!-CJ],)UVM>#5IJICH<
M5A;TBUD0OIPIU=6]ZG2+Y^D6Y20G.JLN<56'#8Y'SU*=<A%H5FSD/9179URN
M\HR+2`M,0+Y?93R5\00<D*+Y=%=$JN-1I7HSB[Z?YA_.4,G:##J']S*SQXTI
ME$Q*=-$4+9^A,9ZE*9R232UE:TUR%Q6-/'8%6/692:T@4L%];U8=R:J.9)7W
M,-`50$@W2_W,E/N0+'9\<.>NC"O?93V6,)Q\`QR3_D./.GKO6$5?)/HZ6(Y[
MD&32>Z*&]SL.\9_[$6XXIAZ&XUZVW:HZ_%'^UXMDOZ\/$5/`-037L^^7Q9I+
MM)Q?3J*;7'6_[B^E=)ZC6:;\^1FES#8%CQ0P\[\>X\SG-DR.;K2JVS"O5K\L
M3_,L4WK]EBK>"=@8K*PO7@XB3%=XOO365^DWJ7>AA4SO';WN*"8@);"RPWAV
MR-*BE.6^=.5G"GY=1/E#U%*%,%)E>FFY%H86&N4?XRK]1M5OK7S*N\A$?/`R
M+;(E+[^`Z:1@%56N:Q[)^(TFS3>K=P54]I61?;%,EJM-59JU5YIU5IWCJC(4
MC\VT5%G5!;W`I4J-_=4-+_-WH559M3EDU=KYK):",V(UWPS9N8'@*X.R%K(6
M.5>6IF3[1SMSUZPR8ZO,V"JM-(VTTH?VY/L8E$Z!/91Q,:>LZ9$7>&?R9&$@
M\-*Z9BU,['!59/X25V9F$?=$"FN:--^ZGN2J[#<,AJ\D+L!6"O_4U_,%9?X_
M>U?;G#BNK+^?JO,?5-S9JIDJ,-C&O,S=F2I"F)G4R=L%9L_LIU..+8)KC<WZ
M)0GGU]]NR08;3`+$$$.TF]T"+,O]=+>DEBP];3U%'OL>//50FR&:C>)OABAD
M%\H\%'TR]L_@D=H/5+AHSMM2R^WZ>W_3FBM9$>M8<W95L8Y]D'5LK2PW]YEW
MH5A+V?MYM2A6M<7BXKM97(0Z>X[YS=/O)^!)"_.D"L5??J^&?N5>UZ>?S_GZ
MW*6EWUDV6\4[MWS#=OW0H_X0E'!FN\9?7__Y#T)^7[K')Y;YI11_D>J:5I,2
M_^+<V4$U]NGH2TGW*^ZH@HMZ%5FIJ/)*<;PA="Q>^N?@O$1,:E@P!_>_E"IJ
MZ6M+JVN*4JO55F3W-Y1.WD`Z92&=O)5TJM94ZUM(QTC+KQAG>:;`&=?WK6%%
M;K=J<B:&#&ERA;5/TRBRUFK67@<KRC22"6GIVM[;0;,!=V2A61(D%R1[;3,-
M6=T-B0?U,#[G6/SY#RA$?;W,(\^=<.779/P+W"53U+<!(#.W2LL_EV1+H;67
MA5920B>TKFTEM):?T(V7A9930LL+H1M[$]JS'N#W!]KQ&<$+%SS](V]U*)`$
MG5YKNZ::<=NSLC>6QX6T+#N*+V\L_E+[+(;X((>LMD".=BLM48D\^=9GQ[*_
ME`(OI!N:9%U=:61/$]OQ/T/]7TKC()A^KE8?'Q^E1U5RO?LJQ!9R]=?5Y<`8
MTXE>L1P_0#J@$JGN;J'70%PV6Q$A,K':F6)M:+;LF]^F/6T%9=4\A8&"TBC9
MTNS4MM;4]=9MZQ405XQ72(C["[UV=;QOUA,UXR2L?1TFO&GI5ZYS)U(;;50P
M3)&V&VFS[IO#FL(,-8FK7OH*!92FF@5K1;#\$:JUW1"NW/<"0DW17H7P`KQR
MBG'3.=NCDX:7OL@CXI>LMU%0G5')5V@RK0KSX2Q`:5'R1/.LI39%LUQ)3FA\
MZ+5P`<?O..8/:M[#/*ACP*6EI9GYRLP*XFTKR'O&]#5:C#J_Z0[_O.V1<3"Q
MR>W/L\N++BE5JM5_J]UJ]7QX3G[]&%Y=$NBVR-#3'9CG@7)TNUKM79=(1O\Z
M[%>?L"X9;XX^5H+$G9(9F*7$NF1RW2NQ4>SJXKH2+9,V:RU<*'UA%780Z%Z0
M7E=CE\9*_MOYM,5V/MRG<L`]?8N#-;*419YUWNM?_-$97OS1(S]ZY]_YUJ'!
ML/_S"F[G#&MCY<1W.G;=R51W9L30'1+ZE#SHGN6&_H)FW,/Q`EN/IQL!B.&'
MQABW+Z8+^(_Z%"X:[/\CVW4]3BZ*O_,D58%+QM2>$H"DW].EV[$H3W8(`M@A
MGYU[EO\7LIRSMEW&Q6AXLH5/-D+/HR:2C?(M303FS?B3$Y`[W?D+B4CU>?\@
M9>(TY]T+L1;]2YE,/1B8/,N>90,$%)D`F*P<16!PZE6/;Q?EVT=UD%7GL='=
M#!3!^C!6;*1;'@/-2%KCLB,<^7C5)KT+8O1@AP<HX;,[\0(*A"9CNT'Y$U&*
MI6<8NC]&JSQ&97%5?(;RN+C<``]ZM(+Q_-FI^OA3H+[HT7&5\<,7@OK2TD[6
M$VPP+OB5X4XFKLF\EABA'[@3ZA&'@A:8PX?3J>L%3$>1S[$.YW_4]O_ZW`6J
M]MP$;"T0?!VT"B:FA/74S+-!M>"IJS[(3<6,&C\;'WMK!8%_%WKW8W*M\[&#
MG$%3(!]OK[N?8EK>D1LB,?#?(?3^<"/X&P[PV$"@6>D>##SW%-L!E']P[0<0
M!.^B3\88KV#YN4!3?<9:##0X'\JY_`&.&SU;G[@A7$VWO30Z=$B=^1,#!U\<
M?O@QZ?P+R"#Z'+)$!M8DM&$R0J&OLF?EI+I7E.B.1J!U]J3,FD%#$KEPT,,=
M:K"NA_U.=6AQK!@;DG5V*?TH_=Y#P\-S0!\+Y<#WE(6@1GU9-T2'OT5;6^T/
MH4^CO'N*KF#8LE(O?O?UR8KJ>?4<;ZINB72"Q5U(!_T<)-#-HG!&;<^+D$`Q
M+[0&\3/U1/Z9,`+1<>M\Y)ZKK6RN'P!!1R.TZ0.UYUU84NT+U^,N.?</B9Q1
M0\>1(J4<`TFS_7G3Q.W9NC=#PFV";Q[B)\-(R)J,/V]YJ5X>?PD=&(+L&7IE
M8BR:#[21UW(GY-3=J$[3,E$]Q+?N'78DP0EPJ`+IC'5]#N@8F@H[C.!.J<=S
M1KZ#OCJ+'#V<X.#^7\H'T(S>->%D6`8:$=?M6E]C].>@UA$&(C`?RODX1TN<
MYLC[-$>CUGJOISD$!`%!0!`0B@/AF,Z7#8:=_I"<=X8K+/%%V!U?U--E_%3>
M\$^AN"T5ATN2/8+KS4)KFVOM^F9X<7/=N22=JYN?UT.ANLU5UX<&2OJ];N_B
MC]ZY4-R6BKOM7`BE;:.TWFW_HHOO7+[U>__WLW?=_5.H;W/U75QW^[W.H$<^
MGO?XIT_DXAK^`%YO,"2]7[>]Z\$+^6SV>'AEG2%DI0I_-<&F^0H=UMI5I5Z5
MU3Q/?@C.S`-;\5OGHD_^Z%S^?":\$V;,S8R[9E-=<RZKC50_^)\PWK&UP805
M-4G)->-M-IK?A`7W9D%%:AY@&!06W&,T<P5!\8_+9X)_T9&>`(&0W-#*]=8^
M3_^?`A/&`69-1\-UL25]P[ZX+C96T#YF98+Y^[UYT7ZFA<*/WH,?[7M^*KSH
MG7E1WK,KX4#OS('R7F`1#O0>'&C/JP/"B=XU#>'':"GBTQ[7(@03X7HFPJR3
MF/MJ/(4D)MR656^_??`F)(2O?;!(H"-<2;B2<"7A2L*5A"L)5Q*N)%Q)N))P
MI6-UI1.DEJ\<>C5$I*S<#Y'3Q'6L(*9?8G02KNTC84:29F+JN6:(+!.,Z$2'
M<I.I1\?4\?'JF:M[)DM>:7G4@,J(/H4[D`\F9A6:NK9ES")F#OX%61`F2(*A
MDP"339")_F1-V.'2-"V(&P;((XGG\O$A'[1:C4PLVT9B#T:DD46\M,1'!;]5
M.<U4.<TS)9$.0$4Q:9K,81+"S7=T`049F<P'Y&Q`>B-D=[AP'N`)C`"'4496
M+^=$/:!=P!902CYV+KLWGV(6CQ55K3!K[)S#8'?ZNW5,?(F$"$L4>XDKQ:"1
M3@CT:C1OSRJ=)YIBT1/G;*<"L17G;K,C)P;?SHQ'3A&^E66/G99Z*\L>.T'U
M%F#?@JIZ@U[GBN<FGV61`Z>N[9WI&.]I5Y1Z%I"4)/E!V1?-\:NA^+<L"%['
M8;Q\63`4OS"97\M0K)W([&W^/GQ^9)O1"'1!C'ZG.QQP(KFQ]DZFK3![<N\=
M1LV7GJLROD5J<09$SJ"+";\3W7A$'=F%61[NKF"$MF>ZS69V@S'%.Q@S+]59
M`C@H[/HIUE_DREP0-$KD&SP@*8!)D6Z1U0NR)*@<V333WX#L,3'U1E'8?3`#
M#>@$@-NLYH@S-+K$^80]NM`+F[!2W4.N6)CE=A>/3#]NG>#(K&H8.`'G,!:<
MP#&*2`+H@W`&#!]G3((Y@R;>%9>-1?-,+ECIAAFHFUI'N'`,=T++)>+0@(LV
MHHRX.="?(J)BK,</[WSZ=T@9E254:H.9K9'%=1(C)H]0:U)#*3I0)J*?4$_'
MF46+`)8S!^!0'^IQ0]O$A8"T9CD?),H+S0PTQE8!;+B96VG*N9$9E63*4'CU
M?9!IQBT55&&YIF5`,XVX=GU.M9M-J<THLZ$1\I9A.=`L&=OQ*N$M^``NM3#7
MYR3;S`A(K<S82Y,$JV#BGU.P/'L^6H5)`(_PLQ^>(FKV,_B"(PP)KN"8FYE7
M`K:?@*^\(';D&U'-C/TXS34>*4"WT_T/:TW(&XUM,]D910MTK(-$&E<4[!Y)
MNK$/='T_U0AC#G1NH41K&*[H!04'22TO&_%R\W:3W2_>RW_8KA?.?65L.:A:
M%YO]$;']/I,"):O(P?.\K,F"DB7;OJ`>*N'+FI0V&T"=+W?>C+"9P5##&(W[
M?!CMNG[@#\;@OV?(2WX;L90OA>6OJT/$[KO&[J>9741N9687&0QONO^">/X*
MB9@ZR$I';B\!,8_KWTM>D="/R+8G$#.PH`Y&)W\:1903"L&XR=[Z1,$I8^EW
M<3,SM+0*3RY@)-IH3"H?AVX?6@H><\/X`")/""S3I>D3?J:L2I1B!H,BX^PN
MDP]JB]T)PQLNY;"*/\A:XC?Y]`.[\Y!%3PBVO(;A?/45%]%-=PH=)7_UAF&9
MC[WE&-H?!E+Q&S9>80>B+@L$?R#?XMBGC#,#B3V4#-#.^!VZ"O2(6X@8R$>\
M$3]](GH('N)9_XWSCMQ#_Q5P+GL>JH!A<:3P+$;2SMP&7."!1X4M?@B2R\>"
M2):]P^'EHM>7[)$0?MFZ,<]X,;5PGH++BY&$-^QQK"R$GLC=3V(AR\_+`I7?
M17+#CPS:=P8"UY,^8<AHQHHM8S1F&31^JTDG4]N=41I1T:-:+1,F**!-*.4O
MA9MS:\!T"*(R7*TJXYS-IS9E`D6O.5,-Q)B_V%S_1I,U:(X1\^-`0`?"\(0T
M^AP81QN5FN@S!$V?J&=8V(0?00[,6V#C%`S`..#MM=_B9[)X-Y'_AV(GP8VV
M;+,XSERHD(L7OVS&I`QX#^HC$B:6,$Q9#0V#$M$G`_-=R#76-P#8[S!/]'!R
ML[`KOA8FZ%/X;GOLT:@?B>)LEG"'LJEC!#C*;X%3@RC2A_IXX,UJ01FP3A9T
MLTIX5@[>RN.G1N_FH6OACTO?P70,$96+BK9\/Z3FZ7=7G2B%PRSV')RKAW[\
M;;7SRNQ>P'O/J4$G=V`*%?H]/A[@(,";'>\-V?Z):)7%Y-UD/(*P$0TGGVQZ
MY./(XU/F8]%*`D_G@#4XF%:'3_WB9!0YIXC@IVU$C@B1(T*0R@L(`H*`L+\$
M"Z]+H%!LJK7B,3TKW+A_]CI]TH-1[)R<][J]JS.`I<I'8FAA\JU,WF2(,"`5
M^MI*7XK0UU;Z$OW'2=J7CQB#'YU^;R`TMKG&>"TPPG9`HL[W'NG]ZO6[%X,>
MP2P5(@./<#[A?,>@2N%\>W:^@W$.;4,I=),X4:;C*:][RW&BXV6X7EM$?R@R
M/?O:4Z)JNU56FSQV+#*+]RD:V'XKZG9%JJO"XJ?3I%59+3>>FS`+&Q8U[9`J
MU83=CKGM*5JSK+2:PH;'V/;D9_)OG&:^DFV"\.]\F\T[<*S#Q-IR32G7ZYJ(
MO$[5P-"AM(5U3\>Z<J->5NHK+U:$#8_(AH?))R@,N+^4GJVRUCQ`4D]APCVV
MP4-D9=U7H'W0A>]>O,%>N%M.0=E'M5QO-/>9&T+T)V\[K9):XOW%"5GWHUS6
M#I&&_9.PX?YF3E+S`!84!MQ?(VQJH@D>M06+V03?-AOW-I'X-]<;42N?]6^1
M!^XP>>#8V?#C3P-WRAYV#.DJUWI8/5[($-Y53.\ZLO[K8[-9;K=RW0"RFP\=
M(A`[&B<ZLBY*D^JY;C\1O=![ZX5R7W`1G=![ZX3RGFV*?,L;'XZ@CIGCL8AW
MD+-K+]WLUOFYZJUF6:WO<[^02`RW;]&*F&/03I_TT`X^814>=MK=6/+(F/"C
MPOC1T?54\U-HPHD*XT3'UQGE?_1-^-$[[(SR/H?W!AERW_:P4"]!E)O[I/2]
MOL-?"N;QJ*$F3FZ?KH'W^WI16/?@YX>:Y892%S8\8AM"FVP+`QZQ`>5FN]QJ
MBD9XS#94XRW^A3)@(0\0_9NBVC#KW`/U]/OEW)5Q*HHXA48BR9R(U5\7RFU%
M<2HZG1/@T:I)+3$;$TU8&/2U!LV9V`?:90&//IR@W41#/#&#YMX0M8+'[566
MA&OQ-9DQ]12SK05NH-LX$8@6D^-$:]%NI$7BP_0>LXSL:BR3?'+1WS')&"8=
M\QR!/+.@3^YH\$BI0S[($CR/)>74I*96CM/A/2[/6-(5H(0?<&64IY=?+>[1
M293('9/V>KH18(X^VQJQ6QM278X3`79L.\+KTSG2)1P\^>"B3D6ME6OMQKPX
MR]N(]V"JP1D-4CIX"7\[2DJJ2HJZ)?YV;3?\+1@+8_S#\?)TD.K&.)55$9/?
M85;""4OW':5FQ-S?6)J7"/TX<]X9OJ6M#(RQ:V,NSD4^22PP<4UJ<XPL(V2<
M+`^3CH>32)LAII+$5*ZL:C]*T[J2NV\Y#Z)(L"<2[!4G(Y>`4`0(!4UW4\"8
ML7B)"V2907J+O&BOQ/>"(YQ==KK_J@RZ/VXN>P/2&0Q^7MVRQ/$P+GP7:2VV
M26LA4JAMK2^10FT[?;W0U;SE]JJ^Y?]5&6&B<@LA8?IR#Z+R(AJXR&M,RP!3
M+&+*XE&5Q4=%JJF_B57^$S*\+#4::TRMM'X3MCUFVRI(P9UE6U5J*`6T;2'W
M$/2>IM3`]1_;>J!L488M(`F_S.F]L5P3X\G)V%86KQJ%]8Z((V^G@>#!M?7`
MLJU@)EPMKQF'6I-JV7&HJDBJ(N8<IV1Z5964-<;6I&:S@)&IL.X6UM6DFKK.
MNHI60.L6>]YA6@^6B4<(Q1I7GM,.2:V)4>5TS%LK8+\BK'?,UMMT9QS4V7/,
M;YY^/P&#+;;AIPK%7WZOAG[E7M>GG\\MW[!=/_3HS:CK3J;4\77<!]2G-FXW
MZKI^X`_&ND?/=)^:M_H,:_>'`/[,=HV_OO[S'X3\OJB,CQ$7CN%.Z,V4PEB!
MVXLL\TMIS36IKFEU26TKJB2K#4EMM%59JK<4",0EW-GB.JCH/AU]*8T\=U+!
M5XZ5FHQ_@<N_R4H%[\%Z:NMK"AV+5_-S<%XB)C6LB6[[7TH5M?15TVKX3U(K
MF<+F@E;;#JV20JLLT&J[HFW5#HBVL1U:.8567J!M[(I6.:1MESQ9R<V3E0W1
M-IK:6SGR2V`W=^1-P3;E-_/CE\!N[L<;6U9Y!=BXW^Y3"#,M@VWT'!AC:H8V
M'01Z$`:N-^OJ4RO0[8YC#D)O:H>^G%+*CG4@:`8O_C>M,-VON*,E[T\5?TDO
M<DUKK&GA.TJ<K4(?1L>)ZPP"&/6ZNC].Z6;Y(F_#]8:F2)K<:&=#WZ@7R*CC
MV9&LT<A4Q;*`.6'4LN1[\JW/CF5_*05>2'?H"UZ$_#2Q'?\S/.9+:1P$T\_5
MZN/CH_2H2JYW7X5F(E=_75VBH2=ZQ7)PS[P!<E1SPMS8$?.S7<*!,=]Z=$0]
MCYH,61IR^EKLAVN:[T8^O'%;5FKM;.]-RY0+*.UE4,]ZZ<:@6DKK8*`:+X-Z
MU@TW[W755G:@L0NJU6:W>OW->M0-??*93G4WL)E=:_Y]Z4Z^FCO8S#XU_TYT
M)7*H[X:VIWOVK$^G/+ZX&0W".]<S+0=GS.?T+F"07RH$4K?K&`+*"@:#\K/`
M:UH2.'R+@;?95"&CDF=]>F52])*P>\*O;8R_GL)?7^#7W@8_'N[R;ZD7KXU8
M1@QZ]<I>Q]#_0.3_'Q^?E42IE+[6)*61`K@JV*M1[6T0?0Z5O&]4>QM%GT-5
MWR^JAKR!!R[;JJ8R5$OW;H&JMF</;,B;>6`]A:I146LK]Q8*U08>"#B:*53M
M"-6N'EC3]HVJN0DJN9;16RS=NPVJO;>KUO8]^[Q=M0IKJ_9&J.HI5'&[:A<5
ME5+;"%4SA2IJ5^E[B]1;*/(FJ)+M:AY;+-V[!2JY]BI4YY8=,JZS#%S1M2)&
M39%HN6`K6NR4)[:B15#Y82M>')4GMJ)%4WEB*UI,E2>VHD56>6(K6GR5)[:B
M15DY8BM<K)4GMK>(N&KM5V*[=6W+F,VW[F1B7"J3=PSV-=JI='[3'?YYVR/C
M8&*3VY]GEQ==4JI4J_]6N]7J^?"<_/HQO+HDH"HR]'3'M_#=K6Y7J[WK$LEX
M`3;L5Y^P+AEOCCY6@L2=DAF8I00Y:7)35(*YZ.KBNA)M56O66KA9[86=<(-`
M]X+TIBMV::R="%'98B-PIW\-)0>X<8UT;ZZN;J[)X$>GW_O,-I:-M3GVT^-H
MXW,P&K45`FV4L#9*+,>P0Y,2U[%GC%)KA0G,8"^0>?$4A9M$XK[FF7JWJY*S
MD3DS,G4#<$=+MT$J$Y]B/2QN8^\1Z=^A]:#;R#$=U6-Q7C%#MXW09EL`)6A[
M5/=#;Q:70=$"^(U)XQ./!I87D85E@)B&WM3UJ2^1FYC7#>1[U#U&61:X6,`8
MZSX%FZIEK5DKDWJ[W*I')&-R2RNWY>8<YRB-X)'"(Y+@S=!CY'!SKK(Y55D9
M)/5Q&SNHP9Z5R5T8\-N1+RY2M3E7@#N9A@%3`#[3S#)2T@+DCAIZ""``D.D2
MWR6/;FB;\#,\/[`JL?ZE.!W/G(0.:D^56-#?K5%3"G\2.@/S086A/?/`0\3M
M]T%!#M9G"C`>/$6J-;,+-6#2O[&6T;VCMVF$,=!%;]22K@1:#]G9`AQ'B$.9
M,=P)S?!%3HRWQ@2"BDY0T167!$U`*`($046WJ8F+1P854]'!`(!)[&#`2'+?
M'HFEA<UW(P`3!'."8.X-">9$_[&+?3-09V#,MMLSDJ^."1\O<*K@AC[,0B`>
MIT\&!4=9S$%-/=`_O=E!ZPPU;'/V^CJ<X*D.UV-++'<>J28@%,L!CN-\ITAB
M(0PJ#"H,>D)T4-?S5;/WX'3V6Z65T\IR6^25._[L1UJYIHK<P4=HN$994YO%
M,]S!IA)+DV(VL"0GQ=N,&;>+ES'L59(Y?U/#7B`:!K[8X^]<IBM%?<,-G2`'
M-WH)T=LY^$L+$`>*D+818^W`I=3:>QRVMK'A07M'X5S[<:Z6TA+^(_SG_]D[
MU^?$=62!?]^J_1]4V3M5V2H3_."5N6=.%4G(C.N2,`><F9W])FP1M&-LQK)A
M<O_ZE63S"H1`!A@9NL[9LT#\D/K7:K5:+>G-^F-H5JV</PW:[WAO91TL7@<O
M3+H^>>N`$.$1IKY,<HC#A82)?NA[9">;Q[]:=,4:RDM%._"8<ZNRO=BWE[3+
M6NG0O?OF$CRT>3XJM7OK\.FMFL6')LM38:`\H#R;*$]9,\IKYIV559Z\3`3>
MD"`<B,TH8"KPQ"8:`"@`!:`J`U5G*O#KY@M%SKMB1<M28@PHYQNG!XV:=EDR
M]S@4`^-S8+[&I5;9;:0*$!X8H6EH1A8?40IA+N<,&[T><6,Q)9@M/TO7JA6S
M=6I[BR5"S'W'$X*7^^RF8#[GQ'2KLO^P#ZC/\:J/N?^0\RG/!6XS(LP6NN]B
M3'C\`?;]M)>M)P#Y($6W8`80=&RG.L:UJEK:::XEJ-$)JA$??IOZ_G-]<CPK
MN-7X^Z7-3V!"<%<1W5Q,-P!0``I`509ZR`E!<VV?(;>M.P5]\W_7LD"Q6_@>
MAU]@80ZSN$QLC`[<<LGME.?WMND+LLU&3T#'#I/Q`9;_N.A"%Y!_@(KW!46Y
MX>SLZ_P>Y/R9C<!;W$A\Z:+)EY?W@7^V??NS_>!E"@<=D?3(<`?_;..87(=!
M3(.$/R4[0USL0"RWAM_X\OV=U#-,%C?"M\1&^-;"+O\;E_*`PMC/T3XO"*.F
MN##V<Q;0"\(H[4L8;<(+[E*?REOJ\2WQ^.W^]!CYA8O72&FKYQRN8<D3)JQ7
MI;=5Z946ZV&:Z,F)]3"-70VQMN(^B>K>?Q(6BTY[G6U<?^.!^T_=V%)RS\O[
MFT5UP-Z5ZV>N176POK?`K]`/+BO^8^,G&0QC.SLW8D-1/;OOT.VO]*K+MK:X
MOU5.AVQ\)2N_<CJ@UZM;Y5W*Z4="AZ(]-GX.2<`R(3S[<:]GL\Y7L,!K:-3*
MAJ[/GS?[K#1OK,#>#F!=JD"U4MI'!?9VRNI2!2JURI85B)_N2-P//3L8D86>
M;/7?1)&X2W=I6A>&5;FP*I>BF#5S1=4P*X2]9_HD+GOQYG4UN[PTR_I2U584
M<"<U-+:LX9S"&6^OH6$N-Y]]U?!9(<U?86AN6,.R=<`*&EM6<!W"C2NH&]7M
M*WB+:?0%^PFI,T9B=B>/<B->*[@/@XBX220.\A(I`FP:+Y25?\-]<$SD*U'W
MEXZ)A)/*<G12&1PVM?O))?4.AC'*LDJW=;N-OM2;#PUTUZAW'MJ-.ZY*'51W
MT$WCNG%WQ:MI&?((1`L]=+CZY40)0!VV4H>TJ3LMI]X$@6TNL+\>6D[C!GUN
MV]>-#K+O4?W:L;\TA`7_OP9O1KPK0;8PSJ*PJ-[I\!]%S::)[.?-QI<&[]J5
MW*-$5:EW^!WV+2_)O8-:SB=>I]95I]'^4K]J-CB$SP^KA6R"D-\HY(?[C01L
MO?D(JOWO&I1Z^;"*9%=98KG(40>@`!2``E``>MI9X?9@B*DXW<4/<;"+/9R4
MUT'_=RT5,CE1.$$L]VM."L`,F`$S,*U[<P#VORY8)EZAB&`?$1:+#-!P',#:
ML)WIHZ'I1E5Y?02\T'\`/("G,KQ<&M9-U_Q!\D>.DC^V;%>&N>W^;@/BT620
M"7AWS7WCG!6H`E1A)U50-.]%P3Y8O1GN[9.?3$A^.EYU@.0G2'[*C=0A^0F2
MGR#Y"6;B(?P"0`$H``6@Z@"%Y"<5='#'NZ]:FFGJZND:@(,9,6`&S'X[,U4-
M)"0B_7Y-VY<[:'"5JZFG<D`0##W``W@JPU/5=FZ:3C1<2"9:RME9F9ZS22J.
MF#U(X^A%PQS&KR49+?;_)<%\DKFS6;Z.*1)V9*UNB$L&7>XA3#;:D'4>3FL,
M"5200*5.W@M4`:H`"50G/DN>)5#]E>`@IGQ$2T<$V4%/7"9VF$/U;IC$J$E&
MQ$<6$EOM(;G7'LJVV9/[^.5$(4`UWI!`,8>\P6+*U8*`^#87GY"<;$FBN-.4
M#8>X_8#^2(B2LSBJRO(A"+N,1",YI)@7IQT,DQ@DN;DDVSAX).=?'WE)ZR.B
M<+[3R4UYBN^P*%GMKEKE\-#T-?7A,,*481^%/='\?=YQ1]@_#%&6R*#'>980
MG'T%UGMGC6>GDQR6M`FD#T%:?X?B$%G5=^>6_FY-(K@*L=\#YDVM=R+R,@14
M60-SE\$'0`'H20&=O:9)?R342^-W)#WO!KR!8R1M2&_`*+\[-W+M#>P_C@")
M6[#1">#=1?!@-K37SJTE,P^\<\X;`@C'3=I*?892[=VY5<NSSP`1A)RI(`PX
M`2@`51DH1!!.CG3J#9AZ'B((IYU+;LHZ0RXYY)*KF`(,58`J0"[YB><60BXY
MJ`;DDD,N>1YD";GDD$NN'&+8'0:B>ON+]4!&^"FRA@G=XR:=1G"M\KMS4_D(
M+LSG'I$&PO0?``6@*@.%^=R3(PT9X9`1_KLZ#46WHP."OQX?@*3OH^8-,8+C
M)CV7Y57.LU<`,8*<:2`,*0$H`%49*,0(3H[TL>1\+Z0VJY3WO9!PO/LT8T/7
MW\WG&;^8W;T$,!R^D'V]6:+U0C:($,LJ_VN2>9KEL6_1:D3N^PLZ=+[N9.&5
M=\REFE&&'DD@AK+^$_((;^4#&A`/Q?TH3![[B`8>X>;.XP8`X<F8B(E!<-PG
M*.%_B/PGSF!N3*R)`)7;GWLN#5P_\0@:X8B&">,%2;,<J4@G8MGE.")<O#&B
MXEVT1X4"7VRA_J#QIZ/QZXYY7C^<9VB`GU"79,-ZKNG=)_Y3@!]EABWJA1'Z
MD6!_DJ+;PVX<1@RQ1*@H0\0-@W!`7:[O@4>%/\`0#CP1)I4IFQ[R5[@*H,>@
MQZOT>/DT[5?TV$XM*5O0T;D(U3-MWJUF<C^E$7BW$7X4#Y]MR;K@>$R^_%%,
M6.$1X^%[T=O(SB8]GSO+9_=:P7T81,1-HHAKPA5FE#G<B;KR0_?[GW__&T)_
M+#W@ZND*^SAP2:=/2/R1]U!#?NOT+MYU<'79\.*+4KE<NM!G_XC<S4"X<6W2
M^W#6B\)!09Q24M`-\6\<IM\,LV`92_?RN__,)'33NG:^?6Z@?CSPT>>'JZ9]
MC<X*Q>)7Z[I8O'%NT+\^.7=-9%SHR(EPP*0-P7ZQV+@_0V?].!Z^+Q;'X_'%
MV+H(H\>BTR[^%,\RQ,W9QT(\=^>%%WMG<QODSL.86P=W9]\7,HVLZK7G*KG"
MP>_$.(H783]_)JRM@[5UL*H+J@!54*(*BJX&4S`4I=YR$>,R':?$+YR3ICYF
M`+X5\+0Q7^,HDN$3Z;*"Y-ZR7!*DMKG4SM,%QNLBAB"T%X2V+N@$0GM!:,L1
M#NB^?AWRBEJOJ.-J>&M*ONR/G-OWR/G4>NC4[V\Z;UZ^>M#4E%O[OGY_;=>;
MJ-[I-)S.>_&>Z0IF%>FJ/#$*.0T`%(`"4``*0`'HB0!59R'2-69].8OIB@_D
M1T)'V%^?BG\\.NC_KM,N+5W3*Y7=O!#L#C`'YL`<F*O!O`"X`;=*N)4,(MK!
MB*0I=8B)%#4:4\)F=2C,/M9O.Z>@P/L:#RTHJU$RM,MJ37F5!<``&`#GL[L!
MM-!V`7`^VZXZ<<G-_<-/SAUHZ*Y,4$TS:G"2[O'RK6K5&O0P1\M7_1X&T+[9
M.]1JI@E\CY6OJ5WF8*9`R5ABFSPF/H[#Z(D_.G2_@T[N2"<K6DT'DP-X`2_@
M!;R*X05?']`J[P?N/U#8%,>IH3[Q/;FU$,.^DNL5<ZF'EE:"'N2H\98MP`MX
M`6\.\:KO)`#:HT6K9!Q0NH(:"D@LMD_%OA^.Q?9TTB\4I^[R_[!T,\DD(#@2
MN[#2P`T'X##N2G&K54LS2^`R'C%@0RM5=`!\K(#5[WH`+:`%M/DTR^J$#>NN
M&R72`>0J0UB<>8(H(BZA([DK,RCGSC(;=,@Y`[R`%_`"7L7P@E,(:)5W!P\:
M1;S"P??T-&[DTQ[ACB%+(A%'!,7<U<141:M4+I773N`+?($O\#TYONH[#H#V
M:-&J$R*<[7/=M.M7=M-V[`9L=KTSO<S%1IT`%(`"4``*0`$H`#VB*-\-&8:,
MBK/1:=SG%>8OD$?X#G`\V6SF!/1R86QPR%TSRZ6*9M5*RH]&`#I`!^@`':`?
M69@)<)\4;G6BBHN.YTEZG8>9I-)KFF%!YM+Q`C8LS:S"6J.C!:Q^KP)H`2V@
MS:=95C(JV>F'45S@FC-`W3"*PC$-'L$EW)5JE@RM7"XKKYG`%_@"7^![<GS!
M*P2TRON#!UB:[/LHC/LD`A]P#\.3FJ;7H`\Y6KXE72M?0M3W:/FJWY$`6D`+
M:'-IE96,"2[M5#/$3[`_S0Z5T]"JD)\$>`$OX`6\JN$%IQ#0*N$/%F/I=$V_
M>G0T_<(_3XJZ#JU\PN3"V]:]4^C8_VY,_#_YPVW]SFY^>X\<.B`,W9,Q:H<#
M'&CI#QKJD(CVLFN_U-MV73B+01@-L+\)>:==O^_<MMIWXJ:`9`_ZVK`_?II[
MSL0[O6HY3HM?:DV+UW&^-1NS"Y]+>7:KT_J<W;?HZLJ:WM7;'VU^2\$L#6/Q
M4_KSY,IV6IIEIU@?_CSC0O5]-L0N#1X_G.GI]R'VO,GW,?7B_H>SBEZ;$_R<
M6^]MV:8,\]5&==5JWS3:4W$-B$>302;@W35U-Q3U#CZ<66=0!:@"5&&3*BR.
MZ%?4;,X,UX3!65NY!6O9#7UOE0ELVO>-PJ<%D[JT6E-!%V(K03RCW/6Q^QT9
MW)"ST*?>JX)*"[Q:5#.VQJ6L4CU&-\0E@RZ)D&5HR-0-,R>8`?A6P-/&?(VC
MZ(GWYN@+]A,EHURJ2NX6TPBDMJW4SIMD1'QD_!.$MK703!#:]D*SEH0&W=>O
M0UY1ZQ5U7`UO3<F7_9%S^QXYGUH/G?K]3><5E(I,(<UV,JMW.@T'-C';64`K
M%QNP`%``"D`!*``%H``T[^GAUYCUY2&FKOA`?B1TA'VN+Z>0(_X_NU4]LZ+5
M3%T]90-R0`[(`3FER!6`&3`[G"-UT`"9'8P(BP=<'Q`C[F0KKFD="K./]=O.
M"6CAOGQ]HVQHY6Q3+J6T$A@"P]-AJ&"W`/"@`9X.0P4;H#H!KLV=L4_.'>C@
MV^V(I55-2SU-!(2;(^3CHTH%$.87H8(]`<#;O/T9FF4:@##'"$WMLE16CZ"2
M8;(V>4Q\'(?1$W]TZ'X'M7NSVE4T2R^IIW9`$`@"02"8#X+@/`.\XXR!-4,<
M,-0GOH=Z(2\)AOV>?F68IFOE*H1)<HZP:BZM^P6$@!`0GG*7#?!R#$_)()=T
MO304D!B%/81]/QSCP"72#_/YW_A_&),)^$E`<!3(K3G=<``.VMN[AJI>T\J7
M,!;/-4.CHE7+X&7GF*&"703``W@G`$]=ZZE.3&QI(_34[4(1<0D=P9;HOSH-
M7H%564`0"`)!(`@N&,!3`)Z2\;$K''Q'X5C$O7S:(]P+8TDD(F2@>F^V_%9%
M,PT(?P%"0`@(`>$Q]>$`+\?PU`E^R;V]1V)O;\3&>(@P8R0&77NKKAD5L/.`
M#_"!I0=XT/9."9^";4_),-=LS_RF7;^RF[9C-V#C_%T-M>>>^ZMO`*L"0`$H
M``6@`!2`*@=4G1#:#1F&C,8,C6G<Y[7D+\`Q\=``QY--QHY?&7>\FW?9U#5=
MAT5=@`[0`3I`E\/H"S#+'S,E(V:+_M4I.E=[2TPQREK5`GN?:X:\S[ZT(+T[
MQPP5[`@`'L`[`7CJ6D]UPEN=?AC%!:X1`]0-HR@<T^`1G*ZWJQSWN2JP'`L0
M`D)`"`C!\0)X:L!3,O95]WT4QGT2@>^U"ZMO5C2]IN"I#(!P\Q&;KI5*$++,
M,4(%;3_``W@G`$]9XZE.M&MI,[`A?H(MP'[-Z>(^%QP'"02!(!`$@N!W`3P%
MX"D9[7J^&85/<9?Z-'X"U7NKZL&J:L`'^,#P`SQH>Z>%3\&V-^]T%6,95II^
M]>AH_IF-P+N-\..`\\J>^ORBR9<_B@DK/&(\?"_<IR_">[IZNL*^V#JUTR<D
M_AB%R9`&CPZOY94?NM___/O?$/ICZ:X;REP_9$E$6KU>=^X!;<J^LUOLDOH@
M3(*X.?'*$/4^G+W]]HM2N:Q?S/USAMPP$"S:I/?A#+-"V"N8NF$5#+-@&4N7
MBQN2@*97/W1NSI!'7#K`/OMP5K#._JQ6*[JNKQ#/UB552&#&!@(S9P(SMA%8
MI53;K\#N"!8/$4IM!\,D9K,'3Y5S44:;W"'J67I9++TH'*1JI!OBWSA\IE2E
M9S+Z,VN"-ZUKY]OG!NK'`Q]]?KAJVM?HK%`L?K6NB\4;YP;]ZY-SUT1<Q,B)
M<,!H3,,`^\5BX_X,G?7C>/B^6!R/QQ=CZR*,'HM.N_A3/,L0-V<?"_'<G1=>
M[)VA67.?;^W\\\1ZW=GWA<P$5_6:,,*O6/A.C*-XT9K(/_7-R2/E`YQV_;YS
MVVK?";,7D-G0[:KE."W^JS4=N\U9PMEE3NOS>U06U]RVQ,"N&_J>'/`5#7,8
M(X<."$/W9(S:X0`'6OJ#ACHDHKWGX\22J-9=O?W1YJ^18\;)W]OVQT].]MO"
M.'(ZBC2,BU5+V&_LSG6SU7EH-SJH?M5Z<-!MW6ZC+_7F0P/=->KB+W?\21UI
M7/OF5$S#W4O)FDGI<`(R]>'/5$).7QP[)TZ@X]T"\J9-BB'"1+=$61]AU*<D
MPI';QS[J17A`QF'T7>P/&;I4+L&2R[%B_BB?C(@O#K4;1M053PR[C$2CB=%+
M8O[__R_G5-!`MF=QC=QH,CWO;C+,I[P`.$:]:13@0I8T[D>$H&X48B]]%>-V
MJT>#K`C\J?P_;%K<)X0CPA^?U9#)O96*PR/&V93RM]^OTOJ_DE"P$F2$=(5D
M1ICZPO<0/+`;TQ%!`QQ]%S3$6834XU:"NIQZADB<3SA/B`G4@GM$AF$DGNYQ
M?;@X%3&OEO/G3/6I[*6DH-.\K;B/`RFM'PLDEF2OB<E-MR_O)%3>ZM&(N+'_
M)`C08/8M:UT^>9&%;#>!6"))L@L8>:G%T<#U$T]\B,D@58&T)#_6J$XWB1'O
MNCRQ63]A_*Z(_$BXWO#BB>>GC^)5C^5]HD479(OV4,*DA9`5Y(V8NQ*4JQH-
M6!PEHG_B@A#U&6)A<GA/)FN8%LCEDNP2]$P0Q#L=U5NM>_758*7X^YBK&/\A
MYM#B4.Q.LMI(K],DKCLI4$\\('MF/`X+8_PT-1WB[8)U:N&GH+E<\*/TWV1Y
M_V%=_B_C$%DLNAKN>\9206<F7S0#$A%9DJPMT8`77'SWA#X,N,X(=VGQ-B3T
MC^L%8O0QH#UNOH)X[MWH/XDGO1_1E+(7\V<<O^)TB)LMDT:NSPT`%PU'PV'/
MFK)H\`P+8Q+-P5_HA[,N7/!,-=',V%R@VS#*S`N;OBIMP=?A8(@#T4ICS)OW
M_.,&,Z]>F(YPP+5'6#@R)('H?:8Z*C246Y_4GKWT`.[L,]YI1?.&D>LN3AO`
M@.MH9N*X`O%Z1A/#EFHN8L.(8(\7VL7<[>D)ER&MP,-%A[\XDJ]Z0D^4<'>6
M5W'$==07AEO8/U'(U"?14GN(R$\N!ZF@H@S:Y"VBD"1@">-U(T/\))61#0F1
M;^;MA8ISYSB+5#-E<Q*%Z(:!-]=R1`-(VQI_H"?'#?Q^/`BG-E4X1(_L^#7[
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ML:.T>6<7"@D5.O:_&Y-9?/G#;?W.;GY[_YJ\Y+5?ZFV[+BH?B&[.WV3R8`FP
M?-#71BK6R7-64D_+ZWQK-F87;J()BVAE32=H"V:)JX:>_F^CD-3/,RY4WV=#
M+/R9#_]E[UE[$TF2_'[2_8>4;UKR2ACS:+]ZMD?"-MZVSFWW&MRS^S&I2J"N
MBTJF'G:SO_XB(NN)L0UML`L(S:AEH"HS,EX9$1D9L5,SG\?2MI//#XX=#C_O
M'-:.<XC/)6?8"Q[+`/N^="YS>G-[WKY-T34"ZR,:Q0A>WFF1I7'=WN>=Y@XO
M@9?P!DLH)C7-6%E.AQVCM#Z[N(*JP6#V+/UQ=7G=WOM2T$?Q,DM]A+L0(J:H
MW'.E]4/400N21?<BH@S`LU&5T;9^0$MZ(B8O6EUQWCYK?SV%9:;&X%T'U.^:
M,`&SPT+L8$2]>]-M73'"YD?8/^]NNNUS\>WV\JS=$9?7HG76O?S>1@OF?]L@
M1F!*B4LT3A!8T>ITVN:\*^T]L7O5_MZ^$O6_,=;GQWH'WKB\`$BNN^*F^P76
M='/::=]^;YU>M8$(W^YF([G!2/Y%)-]=SX7@YB,$E^BB&;E]W/AE.<E>:U*T
MG@G*!&6",D&9H)M^T:GQ[.9/1XNM@?*L2>[<=!MX$3X'H:^]`7XR]=2SSTOF
MS\)<AY7CYL%RYF/ULPC)-[YH_@;2C,5TZTB^\6+ZEJ[__+O_2/OA0`[47D]:
M/Y2]9=;`JBS3@DJI-YJ5YG&#E<K&$+B$VH6)Q]+)!"ZK=)8R"'"F_;'V,9D4
MDWQYOU^:1JE7C@[KK%`VAKXE5"A,/!9.IF])A7/>,AN<!<U9T.5)7N4E\!(X
M"WK+4]T6SX)N<!;TYK(#9T%S%O3:8)VSH#D+FK.@.26/@RM,4"8H$Y0)6AZ"
MEO(`=&NSH)>;:R<.*B?U>OEXC@FW?D<G3#,6MLTD7`F%C3.22\=SJ[(2Z\VC
MRE&3.X^O,0U+J$"8>"R`VT/#$@I@*=UJSBM>EM(XJAR?E+!;.E-PC54&$X_%
M;ULH6$+Q*X_/?5$H7I\5KF=V^U5VXX:=:TV^$FH+)A[+WE:0KX2R5TK?>L:F
MG39M8.YCY;&5Y"NA\F#BL>QM!?E**'OS7K_=O%9.5UIZ63]"["0V&H/!H$QG
M3)=^3?NK5K*N8MC/"?L!3C<`5/>F(:I#G<7&ON[1561J-8:-Q4S?0!S0<5UL
MC1IYY@&-UP9<985"P@^2FK,'PL:^:I:E?6I;&#<GPU;IOK3"2+K"=!>,&]XA
MN$(.?&6ZE8G+9"UF'<]TBXP'B#Q`@CO!N1`:":-CI]>TRVC<!!%6IGZ.`5;,
M-="N<B>F):0!+GFO*LZR,6@:`T+2133I-VH:\363_GTIBG.](>..C-3F+^ZY
M"^@D)L$1L1TVXDO95=$*'[>@JV14-9B@/MA26-+W:;$I$GYK5NMB!*1!>CXH
M0I@=6=BC:X*]'RWL$Y=K+"BQK1XUQ@MU*%T<Z[=CF+!6J\&;0>2&IL,P3.:I
M:8S_UJ@VD\EF`MY8`/"/U>/7`EZO'J9#O`Q\L]I(@2=%L<D=WVYNVS?(]D\T
M><NZ5H['OG0"B<U%J<NRI0-J*A@HE&JC`^RDA:[V5=S&O2J^)Z0Q+#V&)6@;
M>WJ#<,$'U#*&F+D6N4G'T:1'(O9$!,YP#'Q)XT,?YTHYQF@6;*J;[^#["%90
M'IZE1Z9K)@J[%ZBX\:L&<!)(L:7F4'H#TQY[%GLA4'$SUZ1-(W%3<4S$[^9S
M$:XJWUVQV$_Q6GM[_K;W5'RNBZ)70!!W4N0:(AM0^H&7P$O@&B);?E&<.RDR
M.W`-$:XALHY8YQHB7$.$:XCPA78^(6*",D&9H$S0\A"TE`E9Q5/);>!!][U:
MLS6`HLWES,=JAPLA,,V89N6B&:O6Y1@`J[\[=1,.E2]\)5U,`*(,B`=/V=O`
MHZLR00O\6*_4ZD>EYT<F+^\?3#PF7IF)MY:*E1LH<?+3^N6L\!)X"9S\M.4G
MW-Q`B=F!DY\X^6D=L<[)3YS\Q,E/?!+/X1<F*!.4"<H$+0]!.?FI##RXY%XN
MS4JC42L?KS'A^$2,:<8T>W>:E55!<B+2^W/:JLS!.K#<<?E8CBG(BIZ)Q\0K
M,_'*JCNWMR#DH^*!M&:N'L4)5&7,>^$E\!(X@6K+3\GC!*I_1M(+'?!HG7LE
M+G-UB5L]'85IF5WJA_"=JBK&]2>QENBC4'1)&8)9XQ<2*'(D;\?%EQE]\Z,O
M+<V+X*8I&UUE#3WGKZB<3;;+BLL[+ROK74#G)5;_9DS.C\E;++N\^^<`(&W=
MJQ+G.VW=D2=^YDO)Y=ZJRQP>2J=I)=7DJ8)[VDSA;2@:1!3TV(T3@N./3.N5
MTUK:_Q<%X4RC?+64;C"EWX+2M0_89*%Y]&&W6?OP3")X&6*_;Y@W];P1L2XN
M8)DY<.TR^)B@3-"M(F@VS97S5^38)GZ7M,IA:V`#*5TG:Z!^\&&WOM;6P.KC
M")RXQ85.F+S+"!YDKGUEM_E(S3.]UYS>'$#8;$HWC<WP\?C#;O-XG6T&CB"L
M&0NRP\D$98*6F:`<0=@Z2AMKH%%;APC"=N>2-VC-G$O.N>1E3`'F)?`2.)=\
MRW,+.9><68-SR3F7?!UPR;GDG$M>.A)S=1B.ZJTNUL,9X=M(:S[0W6Q*FPAN
M\^##;J/T$5P^S]T@#N3C/R8H$[3,!.7SW*VC-&>$<T;X>VT:)2U'QQ1\?7R`
MD[XWFMX<(]AL2N>RO`[6V2K@&,&:<2"[E$Q0)FB9"<HQ@JVC]*;D?!=2F\N4
M]UU(.%Y^FG&]5ON0SS-^,KO[$0'U^(GLZ_D2K0O9((B66?97DGD:Y[$O(#68
M^_X$#^T^UUEXYANY5#,G$`/EH2OK3H2M0,I'CJ=L$0Y]'0V&PO%L!>K.!@4@
M9.(3!>@$AT,E(OC!=R=`@YQ/7,$`E37,C>MXEAO92MQ+W]%1`("8+$<'TXF"
M^''I*T!O*!R<R^D[R,#5!=B?.7Y[./ZY-L_/N_.!&,F)Z*G8K0=.[TW@*T\.
M*,-6]+4O_HJDFZ3H]J45:C\0080L&@AE:4^/'`OXW;,=M`<"(3T;PZ24LFD+
M=X:IP'S,?#R+CQ]WTWZ!CR^-)@T*/)J+4$UQ\W(Y$^R4MF=?^'*`@V<E60N&
M1_+A[_M1L#>0<OP)=QO:;'*9[)1(&IP[@>5J_*X+YM.IJZT??_SW?PGQ]T>O
M=GWI!7WE?].N8TW,O^D[L&4`F\SU:/7CP<'':BW[#S,V/33>;E7_\T[?UZ,]
M[$VR5ZOC_Z$VG^J-O6;]T;OP]A\Q7LYOSKK__M86PW#DBF]WIU>79V)G;W__
MS^;9_OYY]US\ZTOWZY6H5VN"X"/-(=W]_?;UCM@9AN'XT_[^P\-#]:%9U?Y@
MOWN[_Q/'JN/+\9][8>[-JAW:.[FRN'D2Y&Z_?;V\WHOY\*AV/,V(,\SZ3BC]
ML$AB^FEX4$:5]`N7"-,0EEE"^[8C;B[$Q>5UZ_KLLG4E6IU.N]LA3AX>I,O?
MO"N4B9B0+==W/.E9#D:[@T"!&D%C3%J6CCQ4'+@IPMX'VZ=":TUY)#2^=H6^
M5SY9@O%[0WBLI^`!$&H?S49?V55Q5G@ZGAB3C>.WP`BU%>@%&WTOV)MS+YOI
MP,0MS@):CZ9Q`NV2;D/)I4?.]&@LO<GO`HP$^B*93RFA>Z%T8,/&KRE8(W;[
M]'T_OYV'0QGBYP#>=&"*,!Y<_D`[5]KWT@M!P1H;&!ZED?Z&H(]=9>,//JA7
M:XBIWP4(LA7_3IH9U'\>9&%K0"^:P".8%R$5JM]7%NGX1PB?@<;$9I>>D`-?
MF2T`P/+5./(!GH#`&0'F@*#T-[@!L#5$OA-.S$8P7IJR?U8-3VEY9:.C<*[&
M&M3;I0?D!VY49]H?:Y^VJV^P:SC1J&TV+:/O%WQIV9H??!_'O'K7.=\!_K5@
MEW6#SSM[S9T_#NM@S=1R6%D0V'?"S\'+^&D4\-/(\'.P"'X^?EQ+_!R^C)]Z
M`3_U##^'B^"GWFP>+Q]!7_1(76GIG4KO1PO5F*6"%JH7$/\+[?];2;\%Z@5T
MVR7:!6`XWH)N;87?8//1-FB#/.)>/1@BI?8T0F6PI_M3,EA[$H>@X%0>B1]W
M_H`':A]/'J'PU7"O"6KK<Z`V)[[UA5%[](ZH/47N'][T+[Y<G>+W?RK<@Y4]
M8_B7$+O`4&_!L<?S<>P"4*\!4E?-JT?-=T/J/TP0]%SUPIN>ZPQ(5^<<WZ`U
M0B/[IM^ZEXZ+[O:=%P7*OH@\.W@)S:\:?*G</&,/:]9Q"YNUBRU]*<NCQE?Y
MTQE%(S-9.M6KZ3![V%53X+B^3`+,7L/<J+_2WJ"K_-%+N$R>6S5R&@<+("<!
M:J6K79H6G&E0KG*U7XT/Z:B@$XU&TI_,VN;[\/<%N+)H!@078"Z?2A??[@R5
M"L_GV%26,\L;;.+U.6VCY2QHJ52ZT)'?U2LGTQS3O`6=:LNCTQPKVF!"K=J`
M.VFL+:&Z0U\IF!"F72FEYIGG31R8^M)(-<^2-II6*_>+/JXQK1YT5].LJR75
MR].\A50=+$\!SK&B#2;4JD5J70AU'DV9EC?]5U-ECC%7[M4MX.;\"ORO0CA2
M<,K\6`[6YQIXU:@_>B7JYUK$FN-_E2[^Q[7`_[2=L#P"O#SRJB6@_EKM,]\R
MUIX&JY2"1:)Z[TF"XMZ^1`J\-/"JA6`9:NC%1:PY_LN^#2P/_YVA]L-Y`N'I
M@ROGS_K!P<&\"$JA6O&"5QKZ/S@\G)LCYE_PJ?9]_>!X@R!-^<H.BYY:_+,O
ME8+RST+X3DAY=^XH(U)JU4:]>5RMGYP<+\8O,U[;4*Z9%T%3O+,@@M:;@TZF
M5OHS<#YYCOMY)_0C-3=#38]2Q-?/D>L%GV#DSS,R_<%GJ.__Z^M5QQJJD=QS
MO"!$3;PC]M^3;WX%+8_9:)/0@@MJ+(5;'HVRSFBI_RI:'G'+.Z&E$Z8WB)[X
M<>5VR>'1T4OZDP!9TEI6ZGW4CTZ6N):69\<_W2IL2*#F6^73KZV:EH?'M<9<
MZW\:Q'?$S"HYX[!9^[@*S#RW_+>F/BBQF:;B2A:R2F+]ZD)4`-0[TZ.1$P24
M/FCN*VB_9>Z2)1FM+S[WIK=U&O6CYM1J7P1PI2M_LWLXC?K)-)W?=^5O=L.F
MT7AT!>G5*[]P[,AR\##7L[M^%(3QY0='/86#9]YXV_MJ)_5I$V0!4-\<+V\F
M'X<'C77"RYM)S^'+&G-^O-#=8[(!X-$K)0-UJRSE4/>IX(MR[0OM7WKWRI0X
M:+FN?L`7X.%K[8V5CSWTP$/!`0)SS]1@;_GC<O4`KAX05P]H75W=_-FZ/FL#
M"+?BZJ9U#?]T.NV.:%V?B[,O,&I[[^;B0GR[O3EKG]_=MCN?-K^H0"L0,E=,
M`/UP)XR0YY*B4#(((H3&59Y-U^D]6UB^LAV\1Q_\"+#.@!1CWX$1QEA^W#77
MV'5?.%C>)`H<3P4`?/[B/+;4Q,=#E=S>-R.Z.@BP8H'CNEA6`&N>^(X"&;<!
M-!K!5(4!*8[\@&[T)Q-4!>[Z/L+H3HJS86D`)P@!*G>"-;%<U-<2OAZ-?354
M\..]$B,5#K6M73V8T!K'OH9I(["AA>T$`*P+TU#-`*-HZ-(^2.8$AHY1!7]$
M8YNJ&VCX$4N^^"&6VQ(]B4_!.A$L-,;CBEHP7%K"2_1T.#1%$VP%KX)6C(MV
MR43345T'[/>6(`H!):R`G@P"T-T(]KV#^OS1LZ92@S64_@`K$`RPL$(HE/0]
MC!9517<((.:Q$!<!"SY-%1K@>D<EKG?46&[!H[T%RQW=JGL'B`6,"TP+4NV@
MG/]'V15AN:!)G+Z#O(>WIPOM"P'%P/MR,/#5`,_R>^;X.C#5,WX#W[8"UDM1
M7!R8`X0[&(.ATW<LX1M7EZ3%DG&A+U_!]W]%-!/*I(?U\<"JL2.0:Y(.$DWD
M?O7\4-A6H><ZP3`NKP)B!PIH_A4B*#"7@<."3_W(S11(+.GX*!'N?YHGOP>)
MJD%4&(WF*U,\):O=)^XQQ`N3RV`H^J`GC+9#YS^K=8:O9DK>DF/9<UPG)`6#
M.!R`H@*5K'U0HJX;`YQ?3B!L'?5"!!F6_J!1]^*"$HQ1T<`8:W95@)TVO7P$
M8925DZ+M@9Z@3W&)-X.?:*P]X'-3:F6,H\(3M$Q\"_<$BPK(1"'&P=.%!Z2G
MXP(XL:J=PF=6G<6)TW8%H`GT55QY)FNB"A#Y/U2(^YJE$NH4EO0[8B*N!]/'
M\HPIA/A-CD"(X_SGK#PC#L.%YECQ+D/QHOXBT\;H*ZH1!>N*7"EL'SC>FZG4
MJ$X4*FIP`Y5OZDFA?9=]Q)8R>W%+&2/)O8E`DPLL0:Q?I-3>!&P(,7(&1N,4
M=)JG4IL.K(F(:A^AJL=*21(L)K0@!;QHJT2G"JPEBF*=@4!J>JS]L`\^G3:J
MVG;Z6"$*;:*>"A^PLE16-@^7(*W0J'@S>0`+`<5H.6ZN5"I93I*T2"RVCU?!
M\LGR^7[R"08/;N?@@/G$U?",J;8+K#T"B1A@6;/8@DIK\F:[J`"3'G9UW)])
M%(WQOZ?[_9QK%4N>#LQ((IR,56P0/3E=K"5BR,PW4V97#HJ<+Y;;C'/*(P>F
M--=J:-=,1!A&+T(?3'N&I$Q(AG$9`(8:P'A<QI6E]YVE%S=7'868W4#1$R.K
ML!WEQ,-/?::<'.0<_!G5C9/@3%*GNQ>%:3ENUQDY(55FK&3%CT,LSPBOV<IU
MO+\B$!P'^8VB$&:GUMZ>M"P_BDV`[OFM`;:"<HZ1P\2AP-J+%*VIQ*.B`)*0
MWFL7]$$EKUMP*#!X0Y+.K,XM/B/!BTOV6MBO(XHHJ2!R0YC36.I!XJ"8VHQF
MIC@.-<8`KY/$0%)`Z.M)I1#3(A\JG<G65H0P)&5U+0`/%\:Z@G7%,G3%UZR:
M,]J<`\_Y3Q+EQ":-*G%V0?3PK!5KCR92FM0NIX>I9JJV8JM9&M<5&#^-4O0H
MU8L*P@(AU,#4D\:0:/H##83SH6*8P!X*\X(33\YZWS5^=!Q8S8M)`FP:08U0
M%Y&SX(.Z(^,_3%1>_$,&%^D"^"HUV1/@R*CPJ99I,4#;`ZVD[HM8<H+$HD>(
MR%&00:!!I,/8B3`-#4P4.)T<)7Q*-:?ATX5$?`-C_7A5EJ+>KDIVL1"#OA3J
MQA"])-2AL:<4\5KL%N&)&OP3!"+.)Q%T;AB&BN@T5"X5`E88`D%'<580.^:6
MZ:JUFX?F/['^,>QE5",YUYXC%BE`-C)K:,0&-018O"F6LG,4"AN1*)$B"!Q0
M)!AIHT,,&_9XCV*1E33.A1-.1_>+IP=Q?>C?11#U`H560)@`0-:`B:A6R)(P
M6[PI\#QSE*JX!-&R30WFRB/[P45`,G,CS$5!C;T#0X^T%PYA-86P[EB'L<=A
M3*#-9YCN3/=H'!^,DQF9!:U)=2/^*AB5M1P?C!F3.PLN(&AGB<85'KP]'=*9
M<AP?!=53;DKBG571`O-2(,N-HE$E/?XC.`Q-`4.VA+UK,D=(J>A)4D@;[:^A
M,W[Z',`QEEI`^UMZ'A"'DB18!'O$3!@Q=[1=S>,45M?'$\)\0#MFQB#G]P84
M"K9)-M!:E[Z-FU@2]RX.B573I1OHM/>-B2HI9%]M#.I@A%BP,>Z;Q(:'>J2Q
MQPYUU)ERVA/=:6+[)DKM&FQF<7("`N`-U%@BM/%L^#X^:*9,#D3GQ&P>GWAB
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MW!S4F$[C8)A9)]!4Q;=$7_ND8\S!>-Z,S"S&O#&:@0PX<UQR9PMF=/9`VMLD
MHPZ=VJ86<^Z!,/(],T$R/9YY17$@7'NP%Z>A(F,3.WD;S=CRSP3G`3/8FN19
MSJ&D(3K/CO.%@FQ3,]NG01388P5$39^5(62NM.(1"\L1DIQ`X@QJ`DB-6\+X
M<`';F.2_I9.!!^6:=B:!LB+:+A.@JN@./FDG`,!/0D%QSVD@WF>#_>4MM"-=
MM>CFF;W#VR9OF_EM4WQI7YU3:FJG==7>@DWT3/G4,<E3#Z!;M>\,\#@`O0'G
MI[+WR+UYS@W!;:&0H411*'(E0,@JJ%TD!@=-)"8[>LBYV*B-3<.E0,$F8KR5
MI^=\X4QT"@(#(<9+\^E(#Z!\,;*3^F&6AMT`W123;T2.XELJPDPCS5*!L,A+
M;*M%!R:SNO_E5-^+S[+*^U65UUB^]!]DTM_3P+;OH/?JC6KNA";]Z_RR<W9U
MT\$$?-$ZO;GKBHO6Y:WXWKJZ:Q<[_UU>=[JW=U]AU+C]7V.#]>5%;+C&/@&%
M__H4WP`%,C.#'P/ZX[&O?U):%"C9D]J')"T_Z1J(D5K'9(/26:JOTOQ14L7Y
M86/)KHJOZ)/$`>O'@<N9+U7$$'0?F.@5`3;A#TJ>3YMU@&S1D6ZL`S&(+2T0
M#C**>Q,PBO%"`#[1BR9Q)DSR#6IN^$IYH(?QLT-)OEDW/Q1;&`S043A]RL>1
MDL2Q(,[[SR><6M*UHCB,)A[P7`I[F"!0^?.K)'=M'/EC':CT8,7.*B]L?!3[
M(LV!S;=[S)V`3.',N,GY;N6`,A_P#SIP(DQL,.ON2`>0/?2<,K:Q92C%[A4Y
MV8V_F2P"+W]HF+_,$#\WU<`Q/7AT,,3HF&-]I"8E%,5Y1)-BP\UI44@.>XN'
MF.3&4:P4_\`4=%B2D002NC26:IM+JW&`M@\_A`8QN03E&*-9AF,_A^PXAIQ)
M>GS<AI=A,)P,)@CU>S>/&R-F)I)0`2!W&\=^]F1I!OM=1_RCU?J6S^F.E_;4
MS&@$G8/],>J!O#;K%8&[.[WQ_^Q=:W/B2);]OA'['W+9CHVJ"&'K@82H'D\$
M-M@F!H,7Y*JI^290VFA*2+0D3'E__6:F>`A0@:3".`4W>J;;"#TRSSGWD9=4
M)GW?4XBLBSDU6O+<>NLD%EAWA=&UF1E;TQ+8@=OZ0ZO]_<L^VV#G?JWW6O5.
M;+K"UL0&DKZ4!UX8>N.Y:6P9<^*TAT0+3S<78MOJ=\P!*<L5X@;$Z/\'G@VB
MB7I\,DAL@D3&V1?$5?W<`^UUM]=H]I9PC;%E3\=S@/>D5>CNR3":O47"MJM9
M0X_VV[TJ*5DGD$`7H`MGVH7X))HU+Y#@AO7$R6'QSJUY2SHTV3L=+/*4\VZF
M!UK;B_/AL,P#Q`;+`Y8W2\21!V2X;NT%*FIP,E0K;J4:ZU(](307A&8@/!/A
MD3'?+%(SMD`<()<>.3;,`=0RHC8??4F?`;3,H,D`6G;0E"W0('S]/LD)O4[H
M8S)Y.UJ^G8]\:G60<=]]ZM<[C?X>*A>-O:[?_..NUWWJ-,HWW7:W]P7Y+X-/
MLE@19%45R'\_)[TSL!/0]7&UM#U:+DO+:O:J+%WO]YM&-`]FX*/+6+/Y8C?7
MDY>O.2R?^T>&1Z9^C$\W\LYC+#N?\.V^933+_<?Z#2NPS'QSLJ]WC\W>#:'Z
MO6$%0H%0(!0(!4*!T+,E-&U>-QO9(7[79.[F5[_>G8,&R><@]#WWA7[Z@SUW
M]?G`NEQ[EB(*HJ8=YH'@=X!SX!PX!\[YX+P,=`/=/-'-91%Q]5H*HF_;1%M]
MKOI07OU9O^V?@X#?:SRT)E:I(@FUJLZ]9(%@(!@(+F:X`6K!=H'@8MHN/W7)
M]/GAO?$`"CV4"](%2:]R+U/@-R^_5:&J0X0Y67[YCS!`;>[L4-!E&?@]57YE
MH5:`7PJXK"7V\`M]<YF^OQK0K7]!DP?2I";H(K@<H!?H!7J!7L[HA5P?J.4^
M#WS_0F%[>T$RT.&AIB\)%8@@)TVOJ@"]0"_06T!Z^4\2@-J3I9;+.F`[VL6/
M[J`9;<L^W\>'YH5LN7"ZSPY[V67J8I.M@AZM3@["/9!PJU5%D"N0,IXPP9)0
MT40@^%0)YC_T`+5`+5!;3+?,3]FP3K=I80G@^CXU_G+?`!#GX68VB##G#.@%
M>H%>H)<S>B$I!&JY3P>/6D6\-MT?R)O1ZJ!C/],])(.I3^N((,Q#_3"E"9I6
MXUZ=P"_P"_P"OV?'+_^)`U![LM3R4R)<K7/=;M6O6^V6T6K"8M<'TV4A%NH$
M0H%0(!0(!4*!4"#TA*I\C;7-:%V//(!M`3LVP\5B,V>@R[6QP3%7S50KFJ#H
M%>Y'(T`ZD`ZD`^E`^HF5F8#NLZ*;GZKB>N)YEEGG<7ZD$G5!4F#FTND2+"F"
M7(5WC4Z68/ZC"E`+U`*UQ73+7%8E^R//#\M$.6,T\'S?F]GN"Z2$AY)F11)4
M5>5>F<`O\`O\`K]GQR]DA4`M]_G@$5Y-=ASDA2/L0P[X#L,371!UB"$GRV]%
M%-0:5'U/EE_^`PE0"]0"M87TRES6!+=6JIF8;[`^S0'%*0E5F)\$]`*]0"_0
MRQN]D!0"M5SD@Y<A2[J6'RW[=?F!_+UHZBYJV1T6)]YV.T:YW_I7<Y'_L0.W
M]8=6^_L79-AC'*`.GJ&>-S9=(3H@H#[V[>?YN5_KO5:=)HNNYX]-)PWS1J_>
MZ=]V>P_T(A?/;_2MV;J[C]UGD9U>=PVC2TY5ELWK&]_;S=6)FRBO+C6ZC_/K
MUE-=UM.'>N^N12XIRY5)2`]%AQ=G]J+6;"?%XN1GB8#J.,'$'-KNRU5)C#Y/
M3,M:?)[95CBZ*FFB'@,^EM9;&6U*DO<:U76WUVCVEG"-L65/QW.`#V?J0X_V
MV[TJ*27H`G0!NI"F"^LC^H2>Q=RP3AW.SLZM><N!YUA)+K#=ZC3+]VLN=>MM
M30Y3B$Q`;+`\<,SA#R011QYXCFWM!2IJ<#)4*VZE&NM2/40-/,3C`?:1(@E(
M%B6Y(#0#X9D(CXSYQO3]-Q+-T5?3F7)9Y>(5N5O3]@&UK*A]:N-7["#I,X"6
M&3090,L.FK(%&H2OWR<YH=<)?4PF;T?+M_.13ZT.,NZ[3_UZI]'?0R4G/R&M
M5C*K]_M-`Q8Q.UA!JQ`+L`"A0"@0"H0"H4`H$%KTZ>$W9C!BFY@.Z1_XKZG]
M:CI$+^<P1_R/PTI/U@1=%OD3&S`'S`%SP!Q7S)6!,^#L>(G440MD+?<5!^&8
MZ`$%>+A8BFO9A_+JS_IM_PQ4^%ZYOJ1*@CI?E(LK50*'P.'Y<,AA6`#RP`#/
MAT,.#9"?`E?Z9.S>>``-YO<CBE"5%?Z4"!2FIY",CS0-*"PNA1Q&`B`OO?U)
M@B)+0&&!*92%6D7ECT$NRV0]_#)US-#SW\BMO>$/D%UNV6F"(E;XDQTP"`P"
M@\!@,1B$Y!G(.\T:6-LSW0"-L&.A9X^TQ(3UGGYGF"8*:A7*)`6GL"IOO?<+
M%`*%0.$YAVP@K\#D<5GD8JF7@%P<(N\9F8[CS4QWB%D>YI#OR+^"@$W`G[K8
M]%VV-.?0&T."EC\T5$5=4&LP%B\TAY(F5%7(L@O,(8<A`L@#\LZ`/'Z])S\U
ML:V%T*.T"_EXB.U76!+]=W\&U^"M+&`0&`0&@4%(P8`\#LCCLCYV;;H_D#>C
M=2_'?L8D"PNF/JV0@?1R>WY%$V0)RE]`(5`(%`*%IQ3#@;P"D\=/\8NM[?U*
MU_9&P<R<(#,(<`A:RZLU20,_#_0!?>#I@3RPO7.BCT/;X[+,M5HSO]VJ7[?:
M+:/5A(7S#S74CMWW=Y\`7@4(!4*!4"`4"`5"N2.4GQ):`T^\P`X#-+/#$>DE
M>8`98@N-S7"QR-CIB_'`JWFKLBB((KS4!=0!=4`=4%?`Z@MP5CS.N*R8K>=7
MYYA<O=O$%$D5J@KX^T)S2&)V38'IW07FD,-``.0!>6=`'K_>DY_R5G_D^6&9
M*&*,!I[O>S/;?8&D*[_D2,ZEP>M80"%0"!0"A9!X`7E\D,=E[:ON.,@+1]B'
MW.L07E_6!%'G<%<&H##]B$T4*A4H61:80@Y]/Y`'Y)T!>=PZ3WZJ75N+@4W,
M-U@"[/>2+I)SP7:0P"`P"`P"@Y!W`7D<D,=EM6MS,0K'-@>V8X=O(+V\TH.W
MJH$^H`\</Y`'MG=>]'%H>_&DZS)D9:7E1\M^77Z8+!K*'FOTZIW^;;?W0)OC
MXE5*==TUC"XYJBQSJE@+5Z<9W<?Y.;?=SCP'NY3D28@,>XP#U,$SU//&IBM$
M!P34Q[[]O)FZ52C=#_7>78L\@:5QB^][K;M[8WYL+;63Q<G/""ECA-'S*KOS
MGM'0#$9LMR/V!_YK:I.OB#K)X_V-[<`%9.Y=HE]`0=(\-8$]8NOR>5$/F3ZF
MCS8=%'HH)&T<3GV?-((TRO??R`VB]EXPAB9GQ8_MOA*DQA2,``_G[UH@.UC'
MRWPU;8=!^=?4B][+\']@`K!OS[>V"NPQ.<./W>1B\VEC;`93']-G!6CHN8%M
M81]Y@P#[C%MDF:%)'F>&Y/9OE'MG:I&CF`C&WWAP,/&Q:1&,F*R>'6]&_J8M
M?>HCPV</>D-O-MT`E;3GE>C&L5\Q"GW3HG0[^!4[]`KRF4CC)VET:'LN:X&P
M>`9M(G:#:4"ZB8F4(I`F&+/G^MBRJ4!)Y\<FNYA*D#9AX+D6<P[_K=3^#!"5
M:K3A%[DAN8:<2O4Z]D@[HM_\PQ'5<(17F[8,*7$RJ'H9@A8:O"'+#H;>U*58
MK/J.I@'MUB8`OAE&[-`O"/*F[;+3J/$0[NG1&%\GK_Z$77$9N$S%U&T0YVQ;
M1/;.&V(B9#*@(`:(\$OALH@PF4+I![:=&S$5AS@O'-V3N*NQ'9D3>XV)GL`L
MS/,OV"P/A[7!CNZVT90A(Y;*A(J*VMZMZ;HV1@\F1E.76,N,4D48?)D2VW%L
ME^+$GL.HG."A_6P/F?]SPP7#K)4#3"^;3/WAR`PB(<6:AN8=(CJW,%6'39?G
M9NH)0G\Z#(G97LSAV]GTD?D::P=MXBLF.K08A)%E3XE?'BQLCCR%]'+B$],>
M+II@#VE38T!^"M\F]C!BA?ZTA2JJ@,B3-9'10=%'$R(6S_I\^AJF/H+N+<A8
MG9!0^.PYMD>`#PBJV%TXBL@?F)31@&(8>>`DWQ&YG<4W$>G3@)D#)20@P=)T
MAC104\=%Y3Y@"II.YB81)KA;9%K_)D3/C8*`75[&9(]09881Q4&X\J1T6T1A
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M@2N)G!MYP3+WG9F3(`IV%+QEB&*V28,+`<DU7W`4;/#<RH.XG=`_;[SQQ'3?
MT,R;DOC'[`W_)#G0/+N)!J^89BP3FCUZ*,JP6'8U'1*O\.+C:%1T^DS<+-.Z
M@"*!?Y),U5JD`-3%$`?F6B0[=7!(8&)4+;XEMO!,8'.'-C&<N,)?L$MR"IH?
MNAX9H4T'_V;9I,=RTZ@T$&>?WHB>2$>0-DTJ%X/;R`37:P+"BO@H;0[G"9B%
MB=DQN\-T%&$SVWSVO?$\M%(_^>+:_T>CP++3PM*-KAHDH%C.'1O@+09T*Y.-
M.P[Z5.\51T.[^(`NECA'_H*<&7<79`#@OT3*9$5"*GMO%6B66ESW&W,.J%$(
M2P`78_@HX!"MT'81F=,>D'2.#1H8HK%V1W;#>)VZSS0#B>,3S,=C"[Q)#MHA
M8P,D:6=@&B/3?<%L@,5RW4F4<!,\YQ&`UAC&.!QYEN=X+S2VTS))%-]7!&`2
M#HCZO47VGA3WY\%F[KABM8J5UI(S#CHSCWJL;0$D6R9K'#TSGC59-HM83(UD
M3.BN!B]#,F8@*).Q!$M-T<BFHU,Z]F.#A<4PD[1O4P[_52XW7>O6-U_H@^<%
MVLUZZ^+#WRZG0?G%-"=?;A>M;JT:W5BJUR#NZ9H.+__^G_^!T-]V7=2EV7B7
M9@/UD/Z\_94%>]NZ*J4^^Z*BJN*%+*K:A533]0LQ^J?$S(>TI(>?KTIF4/:>
MR[(H*65)+BM2=%'B95/7CJYYZC=*Q,<,B0R<X*I45DI_ET2I*HKB;B`26WDT
M**344,@K**0<4,BRSCD4I$^27"-]JNGKO4NIC5]=7'R%9()E4R>Y8"F&6A0]
ML6<_`_N+:SM7)7(3G%8\O[C7.DH_QXX;?"'WORJ-PG#RY?)R-IM=S)0+SW^Y
ME$51NOSG0[L_')'X4J8!@@X:2^CRJ%KY#5"VI',2H+".)-M`/J6DL2?>09%^
M#Y1MI1P;%/>EM_RYM.XXWHR>?.OY-RR%;WLDL0OBL*0Y?\&QN"<4;TAB[8(]
MT4:L)/G5-(T[*@I2"A0V-)`>!5FM2H5`04Z!@K1"0<Z$0D63E4*@H*1`05RA
MH&1"H5;5U$*@(%Y(8I5X.KFF9O,."9?M0D36*T5Q$6D!V7`460%1:UHA`)%3
M`[+A,[("HA3$9)34@&RXCXR`*+I:C'C">E;-YT,V+]L%2$77BZ$0*34@VSXD
M"R#5:I%\2"I`MGU(%D!J-,84`1`E-2#;/B0+())<3:X$<8>(>*%41#6'$TFX
M;#<B6C$D(J4&9,.)9`>D5@A`Y-2`;#B1S(!4BZ$0)34@&TXD*R!287P(:6D>
M'Y)PV4Y`E&*$72DU'IMY2$8\U&(8C)P:C\TT)",>U6*,=974>&QF(=GPD,5B
MV`OQC%I54_(D(0G7[4Q4J\6(N5)Z1#:SD(R(5`N2ELGI$=E,0S(B(E6DHKB1
MU)!L)B)9(=$_P+/>>(Z#AZ']BIVW)IT%0^?CD'-:XXEI^VRN5D;0]M^Q**79
M_3TI'.Q%*`"?(.Q'*R**U=R_3YT@[,<J56JRE#N^GR#L1:AVG2#L1:BIG2#L
MQZO+Y/Y]Z`11+T#UYP11%R]B_QQXHE5-KN7^1?@$H7[7V5QB+?^/S2>(=2%*
M8R>(>R$*<.^(>RNVK$?RK:6LP*>XY2_++SEF5N\M"QQ[^O#'09I86LDQ+QL@
M75?I$<HFNB3G]0XI>E)`X(]5.)%4/7>9\#213QR-YW#,>\?TY^-%$NLB.1PS
M0!IWS,>I>8!SV'#+V_CE23'VL7!.2GZ_BH8NY?XQYE3U^XXU#4@EME.)A%%R
MGEQB[V#[?/Q%<LDB3S;!':CD#(^MB9D1N<5UM&>57ULX78`H$I<HT?^%WH;4
M*EG,O:KF]JV+]GXH4.I^H.0UH&+R4;,`5=%SSW_A`BAM/U#2&E"QB6E:%J`D
M)?_T*RZ0JNR;VY/*`C-.]-%SUU6YP$Q-B]E.8\R(F:0D+M12&-"TM*#M-,RL
M0E-R#P:Y`*VRKZ26UCJSO51:;-#4M*#M,\\LH,F5W+^-<@&:EA:T?>:9!32E
M\.:Y9_)4*O/,/),J]^\.7("FI@5MIWEF!$TM=I:FI<5LIW5FQ:S8@Z7*OG)S
MNMB9K?:<_SU9+C!3TV*V.W1FPZR2^U5:+C#3TF*V.W)FG6&8>TH0%Z!5LE;$
MTD72DRR/J7FQVAU`3Q(K+2]6NP,G=UA]\^T0=Y^?,[^=N+SPJ(57F<V5R>>O
MEBW^8+".5GR5JEKN81$O8!VM`"O7*H4'ZT-JL/E?4>`%M@\IPRKYZSR\X/8A
ME=A:_M$D+[A]2#%6JE9S#X]X`>Y#"K*_L1`@+[A]2$V6+6Q5<.`^IBZKY!Z2
M\X+;AY1F*\4?&GQ(>3;_RWB\P/8A%5HI_T\!O.#V(55:N?AAX4,JM;)X`HGO
M>11K#Q9$SZ)<>[#0>5(%V_QO1?.U!)I$EZ;;.]'@`*\YOS=@QUJ\C*"E[Y^9
M40#`CK?LF*[M?_NB`(`=Z[U7I:JKE5,`[%A+?<F*JNE[!^4%`.Q8BW3))+7=
M/_._`(`=[5535=^?WA<`KZ,MC%6MB'O+V07`2[R(_7/@%T"KNBCO?T&B`""]
MYXN;54E3]D^!.@1(;.#ROU/3L<,W^KK?T`P]/S#H=\O]M'^)4YJ+#ST1X^_S
M_<,;W1OC^V,3C<*Q@QZ?KMNM&U0J7UY^4VXN+QM&`_WSWGAH(P([,GS3#6RZ
M(;OI7%XV.R64,"@R>I<_Z;TD>O'\SW(8N_+""JT26NU5'M^JG/R]V.#^H=4I
M?VLUC/LOJ"KJ=(?Y^#[V0T(*]DOQC=#[H>F'ZUNA;]YSUQU"BO;BQ-MNQRCW
M6_]J?D$2V[R>';BM/[3:W[\@PQ[C`'7P#/6\L>D*T0$!];%O/\_/_5KOM>IT
MIWO7\XD>_T1?FSVC=5-O+YY/F2L/O##TQO.N&;UZIW_;[3W0BUP\O]&W9NON
M/G:?QWJCT>K<E:^[AM$EIRK+YO6-[^WFZL1X9QW\'*XN-;J/\^L61]K-6_((
MUM.'>N^N12XIRY5)2`]%AQ=G]J+6L&/L":U.H]EA1WX216+'"28FE?=528P^
M3TS+6GR>V58XNBIIHAX#WE_]:1%-TQNX5R6%G?$_YGCRISL()M&V]J$5/W=.
MUEPEDDQ%LA/FZVZOT>PMH1L3LYN.YV#O41>Z>S*,9F^AVUW-@BX4J@N7<0'Z
M"3V+.0.=RGYGY]9L=N`Y5I(AMEN=9OE^S;#GW4P/M+87Y\-AF0>(#98'CDD"
MH$3<2>`YMK47J*C!R5"MN)5JK$L-$DK'`^PC11(0#7L%X1C8SL1V9,F/]7X?
M\$J/5_^Q>=.JM]$#"=.M;@>@RP#=TW7?J'<:]5X#8$L/6Z/[=&W</K4!L_28
M&5VCO@48A*W?)SBAUPE]3"9N1\NWDY!/K0XR[KM/?>(P^I]W4[EH['7]YA]W
MO>Y3IU&^Z;:[O2_(?QE\DL6*(*NJ0/[[N930Q9V`K@_II.V!6ID>BVY[XXW'
MV!_:IL,CD[F>3%6\_MP_8K6&(/0]]X5^^H,]=_7YU\U(_6C??AG%GKVZMR3J
M@B8KAWGBM_N6T2SW'^LW;*P_\\W)/@0>F[T;0OU[0P^DQY^E"[HN`N7G1+DL
MJ+4:4'Y.E)>![G.B6Y)%01)E[DE/FVW.1G:(,Z>8&\,B=I/XL"A?"HH<SW0#
M%.#AU,<6&KPA'Y.C.`C-$!]`6_M:_7&JWS?,3&D5*9ITL&;\TD*4FB94=?T=
M+20+CT=UFR"P8PA,$VJ:!/(">;V/O*I"17_/^`[R.FMY5;3WK`F`N,Y;7)(D
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MA#E.H:35CC3`M52&$E<_XMJ4L]IQ!J,&KJ5P)UF4ZU-'3]-D'W7%'F/69D<G
M+_`PPA.+G`1T5_`[TR&.:2E\H8L$JD+O3(58N<6P#%4AJD+Y5:@E%;MVHAKT
MSC2(5_@6SZOUTR%Z@*796QSS+GSS[F(4X*)`EMG2)P+=(=M(]4'K`4F@VD.U
M)X_VL&I+9<L/Y*CV-%-[B*P"J/(T4GD$16JQ4AWC'MP#&K#/H6,<5BTYN6CW
M(;F(#4X1F=0Z-JCA#\N`O60M]I/>\FQ=RH0RGKG+5)95N+-L@&+K4.(`E+4L
M95T!(E5WDF>8U,KIZ2.^.ERDJDX*LII:X:X&<,760LQAGU(K*M9U^L76F,QA
MGQH+$*F:DA+;@.E&K*!D,VQ3>=4D>49*+1E<`XC*K"4I*`P)B.Y<PWI"P;OE
M.O[`A(O$);P(?9H^]6S;?4&&#G:YB??'KN^;/GL.M5R=;:I%\I+"<^A?:*<W
ML0#/<#GK3I[OZ\_AS\!T?#@@X#Z!I1ZL/;A\`0;$+1'H7(+5!'LQ*_;<`?81
M_18I]AFQE[)BSQY@S^ZQERCVE]F<T,,79',.^J+8I]J<=.SQ;0[%'DOO^0)]
M;7Q?%/MS>I\!^U2]KQWVDS5ZB<'TJ0^E]?1YX'-8*)\V(QDW[B/UU=HSHZ$Z
MQ)K#A_14BBN"1RKP:R1XI"*W1/#$FH)'*O1JI.:1BIT2P6-K"AZIX*?!FE=^
M])((GD`.O'O7#Z)?P,M<SS"-D?/#]`.47L-#$Z.?ZP0S<:GK]$1_5MDJ#3KY
M("@6=/5=@4X^>(H!G5-DYEVA3C[JRO4<L5&8DP_6<CV.;!3FY&.\.,PY\7U9
M%_+!8=QS95GFB*-^VH9G-%=4!_JK?Z_[P6!MG@,:HVDCMC&6#U'M-S(2TB("
M6QD%44Z;@Q@CK@!@L9L9\^E4,GYUUJF8G76%[%@\"M8Y/M6PUT6I<!'+NH7Q
MR!5R0FH`4@_$2&UQY%/#Y'K@16R78^K^M'+PDF`?2CZ\3IHV-+HJ&J+8Z*J0
M<.IX6W]VE3H9<`7PBO7Y^52J*I%#*2I%X*0()PJI!VOJHE1D8BTI/2]:#\"(
MA5I,CLBABH"1BK2XAIAY4I%6GLBT"+Q4)M*^YQ@/@67;O?G<6\.&^-@E=M/0
M"(P4=`W,>Q'5NF8%:42UKEF9,7):5_,CO]?4NIH?!KZJK3L-.?+8NK3`I7G0
MQ09Y>6Q==:#KKSTOX?#KV09G8[5"@K/C!^@,R^3(^6^'2A@54@DR"(DLY\AG
M7`<58D\<649B4[?050454IDO7E857J@+*L2>)/*LG.?)V+5TA4P*BV/#'$--
M4"&5IV)%A:G-!"+VV$_FY=1-G$6",OQGK=N:^]DS]<#TM(7N',1L^&"E=-30
M3!1)^!J8C2*N?03B)8G-$4*FC+_BT)(*NE0IAQ>M-[2D(C>6R;,]H-[8DHK_
M9"&'2Z\WM`U,B1$VJ$U+BV6&J=F!XR5P5'G#6'[S=+&"$(CMX.4YLJ;7P818
M)DQ,?[ER53`A%4WQJI`C8WHM/2$3!0F<DB/=<S5[0N;%OSG6,U>S)D028(7-
MF\^ZY:!W:$V=!]TVIT_[R_T0@(3?=Z=3F7A)L4ZV'K1.3`X?)4$3QE6H@&*Z
M@(F'2+$%9+FKR">ERY?XX@-L^=J\J!0CX1B5^>XYQMC4?3->R,-+B"HJRRAJ
MHIR'8RM!5'(JR_+)2ENZJ,2T5TF9GEDD?4`%ZJW`,OV)&<0*>G!%I<SLP<@*
M%[,JQK9<*:MC<K'E]+<:'B]CY-<JF=K(L`J3K2JVM0S9*F),SXOFNL:+9=L;
M2;8?=BN*,P._N$H$RTE'KZ[9W1ES<&769[AX<!S&X"(L<T0'%[Z!168Z(BMS
MV=B-:Y?XP$P\VG>28Z0J)W=D,0W,DX&>-$O,E["9Q@GCD9$3Z,ZS!=>#/=\W
M`W]@^7/;]=?>OD#>@31X38JV\G]NZP(.IGWM^_T0+(*E#>Z_WHY'?7#3[G:_
M\?UN=Z`-P-]?M+LQ@',$:!XT$19Z78YN=[O#R0V(245KL^Y/U!>+&F__;`>1
MEATC,&[`O@9AM`0A_'M7<_%N-&EO"T_*C()*3Z;4M7P(="\X+'$8_K3@=EV&
M'6BSWN3ATW1VAXHU.I':Y;M:C?Q;\?)(><;]9=KT_B,0T36?IJBR^:-K&V'%
M\R[+K0*@64L824_,%S!SE[K3VGS1`@^F9ST=%TH7D%AWO=GG$;Q-6#1]]_ML
M]/F+MOWNH)#Z6QEUCNE$ZD*^_36::+W)Y]'M>`AZ#P]#[2&L[+C@WN!8%8\&
MOT>#'!`<L_JY+2B_,$'?7:YTYS7$X;]Y]7<??N/XKFVA5Y\;X%:WT?,0\+`P
MX>P"_L)]@<0%"[";=D`/YQWXU5_/%_`#L)$[;(''M64;EO,,_]0=`UC[]?)O
MVR_.]O"\G=Z_=<";$5O`[W4'MC+,)\M!-4%MZX>YZ<F'#`1`7[I>8/W'-#I@
MY/B!J1L@[#!R(WBEN2OZ`YY<#UC[LD9Z``((AV>N4#?.<VC:(&<_3!O]9L.E
M$KS(<<+201W0<U[AM?[:#J^-]//BKJ%:/Z*>GFQSCNZ$AHZ4I&VAJ0=A`.;/
ME>GX9@=,G\*[GI*PPP"]C?X#RW4DL(2?H!EH@0]J1]Q]0B+!`;GS4*3`W<H0
MZ)8-'G7GWVAPOOF\D1!B]8'OL&]M/=.&S?Q=LV]H9/T%_-?T0%]?68%N@Y[Q
MP_)=#[+SK=_O0>KF_ZRMC4%"M5D1OG#YZ\SMM6$B4L.>`F\-N]K>-T(B_#G4
M'3>4VC=WE_C@14^@!HD9^%OPHS]L6Z"Q(&WM@`%<($")T1B>+`^.X9\U-&U0
M''A'%!RTHF@#PS(@!L8:JC?Z^@WR`T"347E\A9#R<@OZN0Z<3A"+L,-@`R]2
M#R0.]#!0`U9K;P[5V`0KSX*WU(W_6V]F!%(0-`#XO3.W5GI(.H(['"'2[:<U
M5#I@ZIX#^X$SP/3@;4(O!L5%/:STU["G8`%U=:$C!33AM>A0QA;/K7X'T):@
M[B,\=L[8@<C$>8/F<6L.8&\#<VZBMP4#'L**/&:H8"@^#-D\4-I.:$M7EU;5
MS>;WL<.,>VCMYJ_8(<;1Y32\R!M>B`UQJ&^1Q4D(\7$30X@-EGDW48XE;5ZT
M].;&=`]:3NAF0KO^N(9_F[X/)_WRT=J4?D%>8`7-?^C:D-5%?@H9S<"S'M=A
MM7'D6F"$8<!+K"<K_"9B;TW;W#X3V3C4MYN$9MM#,4[$9B,[[Z[1Y<C0O]GJ
M=3A('00O;AMZKQ7T+^X<=8*N@GX_V+G*J*M]BD0>3C3PV;G?1]VW_*VOTU>P
M2QW&`/,PZ)GK:^C=8!@&!79A:&&A2N<[$4[]RR;4@N[)0?D>!^('!34WG42&
M9(<U<UK`@D[+>6UM[^7.YVL8)$`_^+RV=0]ZQTU0":'V7D.YER$DAT"M3`\*
MO_0C\D1#0&@$7Z%T413*]UQ'[N30:WTQ;4-S[[;EB/89T-!'G?NQ]"R3PBJ'
MNXC.C:0@84K-2O$RQY,4!NVQX-0.RXM*QO3+:;.4C-;1J9/26<(5[&3/22;!
M5)Y5R!(F\FH>PF*:)9^=X@CSA2O7$5\9Y0HW2A.=7PK'Y)E?I\V2MX.I(N'I
MA2G7\?2JMEPHKRPK4A["8MHE20;AD`J4K!\NO]?NVO_J>*9NH]P3>C!T[VY6
M5)]@7/%7&/@E08#=2^E>G1=%/'BPAUQ9',L,*#A5>"\PD@IE%%G"\XR-@)2(
M]Q)D3"M??TA).<ZJ3OPQ7/.C`TG:BVG_,._@U0N_&)@3>RY_KX,H<87@G2A&
M[3DHT]>I4C%&I-D,U,Y--IX.,@M$A:%TX-@G,NZY1K8JVO74&[O.L^D5PT9B
MSV5[;%45"F$@48C:,U!JLEM5BC%)S:8@UO/F>N-LBO\NY&AZ/0$FXH*IQ<&S
M.&0\<)6LS\!\#+;?PD^]IP#V8/TPM87GKI\7FNE\-W4/,P3*V%?I"V,)\_E8
MQG'7!%A"3U??.<@QCU[R.,C4)SBE>D@\T2=FT->]<%=)+]Q44@"<)WV6;A1D
M">\I;,[QUQ1P0L:"@A\+?E.-R-39(8#`N,P6)_55MM'@5`GOB4;&<=<$V"8L
M`J\/(J'-'770U8MM*TZ?91N%S5O/"P.Z.&=V7<#?C[$@"2HAXU%%G?YF!0O+
M@;VC+O,8Z/@.8LQ##CU-L!8$-;14B)HWH<N%JX'!_(&\EYB]Y(X:.R7+AJSA
M4[1T^!HQ9?$,&;GLNRPK>)GAC$N,''*6^BA9X#`77.7+2>Y(E:#@G14CP2VA
MTU:*6AV:"1W$$C`W;I%@F=09K>J03.KX%H.W-X#(5"9TLDNLBLA,AV-YJ*"J
MFI'EF&;)4UGA\#:)DZ`95^8CFK/*S/*8!TG)\,SEX_FD62'97S(TXXE\0G-&
MD06\#:V$9K-R-/8<*XF87JJ]D&#S"GXZP^LE.,%#NSQ3BIJ/G/B]9?[_K.&7
M@1Y8/\S]2Z4F:_2JJ^G3VU6)4%W8=Z%+U!6\0Q13!A6H2$?S0A$..1B%[U@Q
MC9C"#[T?IJ<_Q]1_"`'.T[#H]W$E&V&1.7RI<YX17QDL8F^)YF69J3M8Q%X[
M+:@*5W>PA+2:9EB3,6.!LZ/7.-<0-A$7ML1I^>Y@DW!A2YR@&6$3F=KC)J35
ME,.=I5D*S'&"V`#'B0E<VCS-5)E//DKBU!`X"1>XM)F:!3A!D&NO<4):P3:\
MJ9JM>ALOUQTV$1>VY(F:$;:ZHR9EK%>,-VF)%"].$'FT?0?[*'SA:%_W%[?H
MC:9W9K!PC32\$AL377BRV$X@<<P5@8W8$K11J!%;B[(2M@NH`VZQRU(,PW;9
M*K7>ABUV38J!V65+U'IC=I4%*=N\J4IZ;<JR38+P*JO4AOG9*RQ761$[5UX'
M#*^S<FT2@K&+V(L]<+.78\U<PF9?Y\<O\(]6``6?$CS:D)-I=,2A*'.GM*`P
M=8("!IL,FCBJDG7+UFFSQ"<`G(AMGRL`"XL-R_'>GFRP\.%^Q=K`$MV[="#I
MA1O`COJJIX%E+P/G[":Q1H`3W?!X)%"V#:*):-3=YF2"Z.R&T@P0U='^Q$N9
MS_[@(%:7*<9>!L[9;>B-`"=V18ZC)%D?V#-'&UBK/:%8;%B.U"-KADA6ZV2*
M8Y=]6-J2+64A8><>*P`*BPW*L:YD`P5_;UH%0$%;W!5."/\]FDRX.^3/-F^4
MG<D*T_'AMWPP"1R/O0VH`C!MY.3CY<QU6/]L;_5TXVR22+AZA(7(<3$Y[&<<
ME5&CM^D2-;\YC-)A\P:YLP0I<P3,V)C59:X=39;L`"49HR8`Q":)E-D8X4^S
M&@=(F8+IV(:->@R!#TV"L<%;@-4Y$,)YF(=C=6K^!(^-%R:KI<'2%Q%_$^!%
MZF+K@6GT;-M]0:BFXW)X?=G/-94LIO9P:$0Q*/753Q*3(45\11"NM1176.RC
MFU=6DNNLP5E1R>"5JZ-`Q)9-&59-U5&?)JV7BE:=<J/<^C@E<N$M$1OC:^A?
M#0[^UG;G_T[#Y.CRH@\,_?F+'?S^7^WV8-K7OM\/P2)8VN#^Z^UXU`<W[6[W
M&]_O=@?:`/S]1;L;`P@DT#S=V;RR0[>[W>'D!L3,*&W6_8GZ8E'C[9_M(-*R
M8P3&#6BW?WD.?D=C,*P?Z$^P_1OXP:MM_G%S-YJTOXT&VI>/0&:4U<_?@3;\
M6VOWQJ//DX]@;J+=?#=O#:$@#X'N!9\\_1F%D)ONC_M,ZB%`:.\N_#2=:.V'
MT?\./P*66<$KPB\^]>Y&X^\?@68M31],S!<P<Y>ZT]I\T0(/IF<];:_]JS<;
M]2;:1^"X'M2SW\%?PYDVZO?&N_LCYMJ/;A"XRZUHVJPW>?@TG=VA1HZY[>C;
M</3Y2Z2?^]Y@,)I\;M].-6T*+^7?AO>@?1\/]Q=&A;7-IV#?5)O>;]OMOAD/
M/\%;A)+>]6:?1[!)FQ-6`?IJ\_7NRMEF-.%WX1U&D\%P$G[S$VJD:=O^2D>*
MC%X>$WY>Z8:Q^_QB&<'BCQN)42+`>_L_#:C3J`/GCQL^O.(7?;GZW7GT5Z&J
M=`,C>NV6K*V6L!Q2DD28;Z>SP7#V!MW2-*SU<@MVBG:!SU\U;3C;Z6W2L*@(
M5`2R(G2C<\B+D2QBSQ0T<Q.%.S`[CZYMQ-F2\6@R;'\YL$U;,?&!EE)Q+@[+
M/$`<L?QHZ]!KL]`B^JYM&:E`;08<#]6>6U8-11H,^\.[6R@+S[8`\MPUX9BR
MG8EM.91H='??&\V&`S">0I</OHVT+^#A?M@??8+!5V\\GG[K3?I#BB@.HOQ9
M1"=3"NI%:JI-M=X8'$)+S5(3^=Y,HMFPCVXV`*/)7\,'[0[&]12^+/"->QI$
MC]H:JGL4OEK!]W4"?=P`W,]&D_[H'CJ]V]XX;@93;W<YYS%2Q\@8SV7"R$^7
M5+^.)D#[,OWZT)L,'GY+IG(WV-M>_U^?9].ODT&[/QU/9Q_!R\(*S)L8N1)1
M/$RLL:?ILC;Z;M-MWUTN36]NZ3:P7=WQ@8]>K&P:X/$5H+<J`],/],"L(K>Y
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MVEU%[5A9K;_:1==&W?"DX/[CF?.+]*QAU<\:9IS.]3L61D6@(E`1XK);,9+1
M(Y*5W:-]YH@D5Q..*=N9V*9').D1R1J`2H](OB^^Z3DK>D3RVN!1W:/PT2.2
MS?=V](@D/2)Y)M?_(6?V_$RV7FAQO%ID0IZ>BB%#'-L2%8D25SOB1%&@K-6.
M-6@G9?7DE6R4N#H0IXA,]8BC9P#IKO0R=J6WBU1U>J:!:@_5'JH]F-IS^LY:
MJCY4?:CZ4/6AZD./W+W7S=EYU[-Y]U\7GM&E._O?C_(4GE6FRO-^E$>49*HZ
M5'7R.2V%H7:'*D]>Y9'*#_ZO=Z@,]CETC,/*=B<7[3Y@E3`\*BV(7<'PJP-_
M,NX]"WZ_TNU;W<8I[AC?:E._\J`.+'[1RYAFB87=65;!+>\8/]JK0<1B0W14
M`S,C1((B8I=IKAA$S&']UPQ:=-HL"2()N]!NQ0!BL0$ZUJ%L`.$7EJT80&76
M@.=96:TI+&66A1>@SRX4%F?N+LVQZ_N?/'?9AT.UG#7L9;HR/1T5GO5OS2?7
M,S?7:?I/T[^S'->S@M<1BK%,/^@YQF$OPW_6\.<[,UBX\)<?\!+D@/T-H.3N
M5W3EWT1>9$$Y*D=/3M!WQ:B8SBAWP&ADIHF9&.44AC)*@%$IG5'V@%%VSZB4
MA5&55RFCY3,JL1A6]WB.,GS(Z%';-$8Y3N`IHP08Q;.ZP@&C4IMG3MJF,LHH
M,F64`*,85A=R*!\PJFX9S61U6941**,$&)5Q&&69F,CHJ&TJHXP@448),*ID
M7[V\^5$E$Z-P64D9)<"HBL6H<,#HSH^JF1@5J=4EP2B7D`.+,"H?,+KUHX=M
M4QF591KKDF`T(7VW9S3J1]]R1D=M4V-=F54IHT2R@+P$EQ4=D96Y"Y*!<9TD
MIK!5D:YER.0$<?E-3`UFY5<0&87R2R1#B,MO8J(P*[^<*E!^2=EG6>$OM\^G
MG21F^%F%^E]2]AF/WQ3[G(U?2>8HOZ3L,QZ_*?8Y&[^JRM.L!;'X61$*B)]/
M.DE<\2H<2_DE%3]C\9L6/V?C5^#IG@EB\3,6OVGQ<S9^.4:D_)*QSS)70/P<
MTTD2OVUQL_N5$DS`0&,2G&R@,Q/,TQ42*0N-27"RA<Y*L""IE&!")EKE^`[+
M2Y<8Z),N$M//HD##*T+6&8O;9-N<B=MP$SCEEHAAQN(VV2QGXE:1*SEM']:/
MOF58NF>9_L0,ID_P3C&,Q%UV)0,HBTGIH;B!EBC_%8P$["!Q"SMA!*XPE025
M2<H@X0(`OQY8_MQV_;6W/_X9$3W^@J(/H/RY/=4ZF/:U[_=#L`B6-KC_>CL>
M]<%-N]O]QO>[W8$V`']_T>[&@.TP0/-TQ[>0D=#M;G<XN0$WBR!8?>QV7UY>
M.B]\Q_6>N]JL^Q/UQ:+&VS_;0:1EQPB,FTC1S#.E&^]&D_;VT+3,*.C8=,J9
M[(=`]X+#`[KA3PONH!KD2='%V/J**;44Q=T+XC=OA@]?V]-EN5605BKR\&T_
M`A)K5W\1M^KBVZN6.G%OUA]-^M.[(=!Z?P\W-7`6W!L2J^*!X/=`D,.`0Z4G
M-R]$6IC`_+DR'=\$T&L!*YQ`($!N"U@^\-?+)9R0_T$OJ3=M]^5C",DJ3M]H
MJ=!JE`J%EHJ6"J4BT"*5X8TK_=+QZE7)8=E0I._#W@P,)ZC.4+1>94V8IIQG
MXGPSG_^?O2M]3AQ9\M\W8O\'A5^_B)X(P+J/GM<30=OTM'=]A4W/L=\*5("V
MA<338;?WK]^JDL`('4@@%0(J9F+&@([\Y55955F9.-AE_*K$KU3K5L:O0GX)
MS'\<99<MH<8N6WNW@JC4ZB'T/`2UC6*LN=\(_NP'GNM,WVN7O7_>L:Q83J6R
MY+N$N$[KWF]C#68.UV!&D%O8789);8O4#*5]0CM`,?`=^P!=PPE$PX/95#5,
M5@U_[VKXR9%&[`AQ$ZQFQAK6;.',U`LI%)^:DS`-8AI408,T13\^#3ILW[Y=
MFW?<K/:FEEM635G&216R;F1JN&N5Z\T17=2;G#VR^NGG4S\=Z9+<_&#.E.=$
ME4=73KGX_FDFKGAP[#ICR[9(WB4W@L$KA`X7H)\FT(0>L!%L$(2!Z[V1L,$#
M2`K`,<DE5^Y\`9PWPMQ_2,:O/@<G$S@.K!>($\-(P(6N-]=R8J('6#X'?&[B
MVK;[ZK.$F-8GQ*B\SA)B&`0&@4$X<@@MW2_?/VP\@RP(46*95><F<XUE5NW&
M+Y9958U?++/J).4;#1G]NX?O]T/&L?(<>^H/!XQ?3,.8AK6%7TS#ZM`P-JH?
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MTQ^F/[OKS\=ZEU=VTQ\:4S^F0`TI$-\&#]38U+-=%5*&;@#LW'K^35G)254>
M2`;SK%H**WA!1^T:<<^554SB>VJ3F6A,Q<ZII@HKR',RRG,P_X0\4O,%]K;S
M@T;*WNEK$2OKQ)3G*%V0W`(EVBMU\?R*@T7UN2QGRD6UMF9(H#86JD^J?\W!
M_Z+I,9H<+Q!(W,T6_^E9/KD!_6[&U<')&2C@^Q!=@BN'V1886;856-`G$VP(
MQC/.G9![%@B(:_K<PH,^MC"3%0=K?7$PUBWOF"&T]$#L_F/F&1QSCHJ7](>L
M#M+)BYIUF-N17ZDZ2,P>CJ$"@)8N`'`<#=.N!U\'3T^#:]S^FNL_/P^&SR2&
M'7G<Y1KE[9+OD2395C,7=O:$";06@=(L*B(6.I<^GI`#9QSM3-LN<-!_T,RZ
MCHWIUNN@?:C:(5)'EK1ZWL?<S@%/N*,(0*MU&9*N>ZDYC"GV--^=2>B8$"\D
MS.=6,$?:P>$U.>^%G92NRZ^(*JM(=#K"%<5:M^I/+71Y].#<0I$*V0*`_PZM
MQ?Q,^DI3\25"1Y=$YDU.1[Q"1Q75]DFPE<%*?SSV0A2KX*1=W,;('=G6E'0T
M8@I8FW^15>9?3DB\8L<0CMB_-!^PW,.`<Q?00W[$F9)E%FX,/.]MXGJOP#//
M8LF%DFN1>+:\<D+B%3NZWL)*@NT,76RD%@X@+1/GEF/-PSG)EQI[T+0"YF3J
M<S*:W.3)'^9DZ,^/I!96"FY3P9UBS\,*[K3[V&_2?TEQ;5Y6$X4I5PW*):G-
M'PFJ77\.>Z(\U\U*)0Z4OZ?`,Z-HK5%L1(Q\1VZT90ASNF>F7X+4,<3F#],=
MS.\VWU0ID5QY>]/_<G-[,[P9L`S+\TK(8P(],8&V<FGNQGF!?I3Y!,9C#[+]
MQ!K7XSX*K(O`"4GWHUCK?#(;2\NJ7U=+I_0@L*W_@R9GO;L5'XY#SPK>N"FP
M'+;67YMO462%.9<3$N]'L2-(;6QQT=(5*;;P?\S+!!O.3.(;;:?%5J'.3+T^
MBL8Q%B1NT\9JV17_M4HWS"!::Q`;_E;71.9OF7K5Z&\[LE)KIFW+/&Z["GCC
MM-UTY;&F[..TR@/:K2W<;704K<GC!ZPJY>'4CG9)4P&?9=&.4'O.MQIE/^"N
MX1C.1]##)<XX7`>+'"3%!9XZI'+DE3M?`.>-FP$3X>1>@!V2$V`<6-7,@#YF
MFN7/T,@`R))KP%F!GUVHTN=>(3>"M@5?8.(%KY9M<U/HX),AD//#R<0:6W@U
M=Q(&H4<:19#BD\N^$2[ZP;;?N#"P\`(PIH=SMIPM(=CZ=\/U5/`>D?/BA*6,
M:XZ.9\"98N81'I4I(3IV'=]"DHPKB*Z*EK+*H:QR:/YH<>BRFR<`H:6%]%JX
MS=*^\HA1>;V_!_TG;H`,]YI5$#UYD;,*HCORBU40915$:5807<L5(9,4SH-C
M=^K$R2-1E7TXPZ4N7I:SC#9*_&3*_PD=)=XQ8^DD1US^3U!3COSP4FM/:OUC
MJG;.<D:-)N&6@WS/"#KHKX!;V`#-SMV`>X/!AF\Z'V]$*4FV(\D\2V4['0%K
MXA&?6:><Q;;E*-!R:7#AN2\6<5VTNO6R3?&Z<R[$CJ`TZN=8UL69*1A6*?Z4
MVZ;7F.>V7ZK%&,U6_3IBOM/?Z6YD#EM/@@4*-76CT5,3+,7B?%(LD#:)0ALZ
M?N[E?L\KQV*82*+P.5!8F6XC7\&=<&"!(O&?UAP$T'[C/@@]#=UFVR0%(R-]
MHX=?Z,-E=@-Z)7H/P$L(9+T!BW?]%7%GT%Z"3&#[;D0K]T'JZ:OW;4FOX((9
MHHCD<8S@U')PC@;\N;`\DG>`ESS>(/`0E:)R'DD72W[&*2J8G_&Z#ED'"F8>
M]&>N;9+<"\#-T8`?>C`Z&1T$GC4*@Z@C#4G`L!S@C"U@(U8A78@[1[P_#3]C
M_0E8=8AB+5P_?A_X`1T.=X;]N8#C`*=_N$A2\?=(1-'U'@Q"S^EQ7Z)U*9^;
M>.X\\22?0V2'-EZZVEBHRB$4*;*#E/=UAM\3<);/S5VD%;;U`^LT4IMHX8OH
M#WY$@NQ8H3@_1,\C*V;A`GT-?P)D/M&*VNB-W$9,9>%9.($(/0(K*0B#F4O.
M@D;*2<@F-H&SA[@?R`_:T)Q"PB[TA0=M^`(0^RQG@K=*\.-[7'^#D?A1<PB7
M#7L1EFZ$I8NQ=#&6;$%CY)&,3"[&:@-O"GTD\;D;1F);+@B2UZ`[IB@21#XC
MXM/$FB`PR`CQ@+GD(+D)PUWM<!`6A79`_`;GPR"PB220H2<$2=ZQ\."+Y88^
M>M($6':D&!A?57C%:N$AE'XX\N&_0Y+7M=(3#RY<C_B4R!OA6]!(-)XM-2+!
M/H3A\9W@M1<%:62.B]R4,T7,VP^."1L#M$YBT$L-%^CG]2,O;\0?A,X8>M@8
MDI@3=Y.Q^!^2\2LR8(CH1V1A%T%L<FTY)S;WJ&7T,L<.^VG,0<\-IS/DU'@C
MLID11`8\1HX?<0%?OP@]]')(QJD,>[QQR%!G<T_P!3HAQ&[VQ1I#0@B^X!$Z
MCO]F(X.S`!K*%L`+EKXKOF5SH$`QQ\`QOWI@BB]\#_\30<3RP[\N0[\[!6#Q
MZ8;@1:I_;?F8?F2`0Q0;?;'=\8_?_O,_..Y?J2NA_P@L)"'S\\7&=SU94>0>
M__X/WAUU<*SU!">?+["[[.*AN,L+^-_`C3X)8E<24O?BNT.D>>36[\_7%WCJ
MAZS6]C]?=*6+WP1)XWD^`TE$RT[$*]N)%Q/$B^_$*Y6(E\7:B5>W$R\DB!?>
MB5>K$&_LPOC!3]PL`<9C9Q)#\C>J6B2*NI&-)DE4+:BHJ9<HR@(U5-3T3M05
MB1(J52BA@9NRXB6":N/>;:A43:<&JIP"R@E0:E?B4_=N!:4HU$"5T#\$0TN`
M,F)0E?1/R7-\#8#2RH`2^`Q7L7'O-E"20,M3J()>W:NO;$JO`DK&?H(2**,4
M*#D!:FE31C50,BU0(E\*E)8`%=M4\MZM-B53LRE1*`-JW:960<7&O=M`Z=1<
M.HYV)%77^)XB:.(>`5/60PH#6$&EY>%Q[%,68V'X5!FCI-"3HUH:8V$P516C
MKM/RE)&J:KJTOZJF'U(8-@JJ2E55RV'<HJH5,?(RK<$A4M5R&+>H:D6,AD'/
MY1"WJLLUN-740PKC9H'F;+0LQ&U>M1)$6:<UXL=.M13$;4ZU&D2!JE/5Q!J<
M:L9#BB!VD5.EM\2@E`99K*K50<I4(X"2((N5M3)(6<I9C&Q&70U1Z@F2NH^R
MIAY1"%"G.&XH)?$5ZVE%?!0'#;4DOF(5K89/4_>);1Y=VQJ_K38UD@`W?JQ[
MZ?FW>&?F^N%J^/?C@)L%<YM[_/[E]N:*N^A>7OXI75U>7@^ON;^^#>]N.33)
MY(8><*)=*V!?7@[N+[B+61`L/EU>OKZ^]EZEGNM-+X=/ES_QLP1\<_QG-UB[
MLV<&YL5:$MCZ)M!:78*[F_MNG!JD\3K>U=^2>?0<`"](;C*1GV;*B>0IO!=C
MO[]ZN!O@O@]QMX?+F7+"61G7&84O7"]1]P)XD)P%#'&"Q`C@K4XWVO`UK0FZ
M&^*2)R,8O.*]T+S$#+S!N;;'BAYC1<D\V;4V0A_O%>.'00>0S(PY\*:6$]<[
MQ!51>N^TKST81JZ!@%AF_&``";JCVA_^<M]Z[**G^`O7,4F"!*9HG0=O4;Y'
MO'$=N*L,H2S>X7>AK\(Q-#N<->$<.(:^#[RWSBHG@Z0U$/!^.)XMDQOB_7E\
M/]Y_W\A(6:4Q1#A(,@-X`99-=J?ABV5B*=2]-[SA)7,<[1-$OG*,.$6VNG.<
M=#_X&NVY(T\2A('KO;W?3_;?U[US'4^DNYNHY$W#ZX!R='RGM]\I:SDAWEGR
MG=J.K"08.3NRU/A.BHNOOG*F-VB@\8O8FGD#W<P5OI23R"24,D^H6;">LYC0
M/I90,ZZN4,JG[<X38H]PO@BBWXNXL7$I57.1E)SI;2&)%#A`S3BD<II`GP/T
M!AJQ%@Z0DV/7\0FR&Z<_'GLA-$DV)O31R\?0>L&1-#YH%G.BPBU4K:*KI!;M
M*I!Z`,Y0LY:NJ*3V^]K-&FIFU"1?EK/@E6E"/X<=&5?2-1TA8T5X.XV-,X">
MA0BBD`I!ZV``2;C/1QW]3#?6UK7TE#R'L!KQT4LD-R0Q%1XUCX^:QQ(D3=PV
MT)7%]Q58WA_`#N'#Y!L^VF3B4/G&67D[-.5<74(N$'(X4?U!RY0"0S1Z@J))
M>ZA^UD/R.,@C!JJ*K.M%[*N.YA@8+?$U,#KUD`)&=\^2TR).-TORZ*=O?7(L
M^_-%@&*)'?B>\<@DVW_.;<?_A%[S.6-K##D+X?*ON]OG\0S.01?77,>UV"^X
MRVV\7&)]!&_%X5SZ0KKABVAL\_AI"AL&3R]T(:-YN\!37!'BA50^RM[HR0+2
MP_+T>C_:O\K&GW4I5=TWU%3R6`D2*7"`XLE!>=LL[D`LH&<&$J]MB^EWX<&C
M!Q?`,N,]BASTR8LHSUOEK7.9)'D-(:;G[<D9W\,#INCAQ?1J=U7$>),?V%?N
M?.XZSS.`1H-^7#0#CPA#]PK8]L."'(SO.^:?P/.`LV[MN]W?G"GXA(;44)`Q
M+=R-\E:QL!G;RF:A>IHL;,9:LUDHIO8MZV)A%,:A"ZXMDM83K\2MQK284]LN
MH[M59TCR9D+`-@(;Q$UO@\XPA,W`]("XJ0U7LF"D<G,/AIOBF7TT#Q-;A)O:
ML7Y#US<W3@X(F]K!?^3C4P?*#XB;6FT`(WV0^8"PJ54/,#1^,S`Z(&QJ]04,
M56S-&$:Q`H&AIRI@'!`VM1H%`M+Q%H5J!S@7)K8K5*5^;DSB-Q<2#QJR4C]7
M)J>RZFK"_PS'H4?.K_271S.^NMXSL&$Q0_+OHSN)T_B2#C&?X(-RBMJT3U93
M)7F.BU/4)HJ*GJK6V#RGOD';'+IW(`A)G=N2?$K>1=7R%+YDN)U'[<%81,_D
M4MN_Q\(B>HLR9>.Z:BSZ`H&'QL`XV>IV[9#F.DMRK\(P"F)ZX'?=R8;M5`KC
MD7LA&=$9P'-I:@QH012_`KIF`94"=U4SE)P9RUY`_1OG"W!^%*%<7M*T+,7T
M-G\1.0V@:U*`@I:SF+0+.F3&?F"-XWNNX9P<L,[`F'5ATW+494/,GF,44=4P
MX$9M4]!2F0F[`D[N42>^HQJ4J+*>O1J6LP%=BGIJ\8*FI3+=]Z>>7J5M-74N
M<E_J*>Z2B'RJ\-[^U%/;Z\C=VMJ'>GI;%KJ>/9?8AWIJ&P^"9M2O.=3V#Z)Z
MDS533VT;0%!SU@7WH)[>:KZ@YL3&^U!/;U%>Y;/7)/<9K0ZPM"X(J;R8.F(&
MZDODC>`XP%+W7C@VCH5E_D9WF4PH'IGSSH/MA(I:I*HJ.;O.3:"B%L'JDE3H
MT<JA2LZ:UA8V,N9_)>^A>PI5*@S&MM%Z$.;0.]$@%,8;K60.O?.OJ98W-)AS
MYSKP[0YX/U8GH:K?2-7`-&E''5HC^,"\HE=J*57\X.AX1<_\>'5'^]N?6>0(
M$R[X&?]4C6.;=]--(=!31PMV)+LUO*.WPZFG:AD>.^_HU;<1<_8;:/'N&;Q8
MSC0[_-YV$^6(=/.8635B#\0?>D%I\<)[6_E#KQ=CJL96C?R)JX)^0P^Y=0'9
M!NT[9OSM$_2A]P+)E^8+KNW@W[K.=`B]>1;;=GT676M,%7.K!<-1,/EP)4;/
MA\?TW$)."DZ;F/P\<[V@+BZO'D;57Z1*0-2#X4C83'%EZIS9?+"JE!2X_%^(
M'M=[#D>N9UH."*!Y#4?0"4(/9@9?1=?3C12$8@];1"A5CE`TTB/A"+U%J]HY
M$N4+]QUS,\RW_+'M^NC&S?Y*E>^KVXK.IO42*2JQ?"IN(-1]OOF?0=1%*.HH
MU/W:O[NY_?O3MG9"Y-H_^D\W?=P;R'$]I%*_<G\,GH8W5_W;)6E8)-V1&P3N
M/*8YU?^(/.C/0=1U:/F<S*9($;W#OV\'[Q>6:924['Q$D"X['W5%>1'@KTIW
M?/J)5`W:MK\`8S0UQ<4<R><%,,WEYU?+#&:?+Y":O<LD\-[_-(FTP7SQJS/R
M%U%SG>C+^/>E@&*1"R*6>"%KOSP\70^>5NR:0],*YS&#MZ@*]_OWX7#PM%3"
M(K+&+L;M?+Z0+AB$]D.X7%<Z+P/9F@/0L:H7@DO8Z<BUS2SCN[VY'W2_)8PY
MAEF>T>I6/M?'RUT8L2'ED0W00"8@%^*[MF5N951$<#:KWF4K"`32WX/^$S=`
MSN>:NQY<#>Z^(%B2T#D223.95Y)Y9,\X4F'\JL0OD?&K$K\$YC_JEV\&Z@R,
MV7(KH#P])GR\N>>&WQZ^/_?OKY]_*1;EDM@O_:O__OWIX?O]=??JX?;AZ1/G
M34<?15[NB(K20?__Y2(#8B%#DU&UD(Z5N\)[?]1X1L>-HI--:`Z*$X[:*-:=
MWHQ5.OG>#VN3.C_P7&>*/WT@[WW_G$]&Z5=[UG2V]N[W9PN27L_;_OQV,QQT
MGQ_[5V3>]>J!Q3;TCX.G*Z0#3;.]C0+_4*M,!4%E4CL^J2D%$=RAI%9V8'B=
M60%L=#2(=_7/0*W*O+(.3V\P3W\RPA7T5'C.Q'<\XA.5%H[8K9P4D*1G;DZR
MGIF^U306:)+*QH*3$:YN*$Q\QRL^3NCP*IL*%(P!5]`+K(DU!@'T.7?"F<M3
M!`[ZTW'G..,`MS[`OWT0>+[#\SSG>IB:D<==DF?,70\R':UI_!!U-I<X'>'*
M$AL_CEA\JJ2U3WS4YA(;>V)D,%K?$ZLRSI`36UQ@S>L8*;81=CAMW;:-2$F;
MJY"1.Q))'5T5&QR+JDB1JK-CZM6,>LD=7:MU.&0:=&8:I'9$L=;5/3H:U.QT
M+Q.#A#"8;CBR8;5Q>N@&P$:SOSA=`$89X$V9Q#J5+;.)/-(H9QI4HBUW*%<Z
M@BK3'LK+<Y"V)SXIM=MUYWQ7S5(["E^0[\>4ARE/OO+H':G>%1%*RK,^@E^2
M,SSKCQDX9O*H#[EL_2C1\D/ZE%>%0U=%I[V6E?G^M(+95\L!SM@"]HWC!U80
M1@NXZ9->6^^A6[D\\Q!<24H/PAIZAR:S#PBVF3?TBJXWQ9K8#OL3].6CY[Y8
M/KKCJ^OA<\VWKI_%F6VWT*WJ)1EJ]HGX<L0>@#?T.D"+1DZOU-;RAII!28JN
M'!5O*/9(T%4]N\!@:UE#K0&#+N<4K6XM:ZAU=]`E.;M@5&M90ZUUA*9(1\8:
M:GTI=-$X,M90:WJAZ=IQ^1IZ'35(]Z>C8@VU=AV&8C0<U]QO%$K>_)%N_"_J
M9>+_^[R*QY6148S>\YJA-X2,7NPMBF4"S+J0T8R<^3*3BOJ`48M[-:-,W%L?
M,'I1JU`F:JT/&+684^=S6B0V!(Q>Q,C3E1BU>$_GJ=I8VZ*U^H!1B[7T4K%6
M?2.TW)-47>-[BJ")>P1760\I[IDIBE0C$:4TSN*^:I5Q*GIVFX/&(JZR.(O[
MKE7&*=`TR$AO-5W:7V_3#RFN8(X90UEOR^'<HK<5<<JR4;1!U(C>EL.Y16\K
MXI3TG":F3?I;7:[!WZ8>4KPW0=W9E@*YS=FV&*1:&N0V3UL)I$QU:0*IJR;6
MX&8S'E($$H6$>G;OR^8TMB3.8HVMBE,T<KH"-J>T)7$6*VU5G((F[!_6QM70
MOX:.Z3^[MIF!=O.2C(7#G[[UR;'LSQ>!%\)ZUQ%_SFW'_X1>\#FCHC*:L0B7
M?]W=/H]G<`ZZEN,'N)+[!7?9`&:E,N9=5QC;@YG:8F-1`+A)6!'.M=YYF0UM
M<Z^BNAQ>9+<9M#4&F&)/K)8@;D4J6&G`C\!*6BK^@FXBI);3^PA34I%HBNV:
ME.Q(9P>B:?8+S9D>%E']AM-_KT+/@T[0=\Q[UQE''S;`Y%Z'Z>3S,0*_ZTXV
M%(BO!$O+B3H+:&H4;,&RXPKLFN)56FD4^9P=LPI@7]#E.'F[;[Y8ONN]?86K
MGB%9/]$=MU+]?[-(J@$1-5>AI>9^#2&B%TFE?%\51(^N;8W?5EG^&Z`V?F6-
M5W9LO#)3EH_,[H*2V?"D3',37';Z_]F[UMZVD63[_0+W/_3U9H`,0,LBJ6=F
MLX`B*XD`VPHD.C.9;VVQ97%#D1J2LN/Y];>ZJ:<M/^01%3X.=C.P)++95>?4
MZ2;9U15G59[HQC1ZKFS+9C)F15JTJ(7RT@HHBSV=+[YV!M:Y3%\9=-J7_:[5
M[0S>J6R3<75I]S0G9ANR\HNR:B!(QE5U4L8#P88N#T-GY`B;\8A%8Z%VF9#[
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M.^V!M6M@TC<WW'%5P21I3,CICY<!]`@/'@%&><JCDVTQ<CR90#8ETI)U=*YJ
M@]QU0L?0Z3/9RN;9U,\I28XZ>"M`9)&(3EQG08]5SRDT`_+9-9%AC=3/^\`;
MNC-[HQ,Q#A-^QZZ$S%U7E%JBX"XNNH)#7I<%3OA=IGBK-#--LF/*[U3'Y"^:
MHHFO-FX9\6'D!R%[&\XDWB%SG;]FCBW-"03]%2A[PE\7K-[2ZWM(T[6(FW'0
MCK@3L!ONS@2[=:(Q14H@N.O\+7^]O@[$M>RL)!F-NHK+)[98?2`+E#^(\C3Z
M2>_X,6:,"$Y=%/8)P1]<"^44HOUL,G-E';6Y;9+I@1@+&IH48>7I)ZY<T"@[
MXWB$$@V\DC@B")>X,FDVF4_7Y\P3,?[\![OBH1,2S;V-2-[$E%"7M:IB9NS=
M'7-ZV'(/M[DS'NFDM29BMD_=]/R(">\Z9LJJFY)$4K+4V#+-\=#27_CYFCMR
MS[N`21[(G?&\=315@"FY6HKD=*[/2_F5:KS0A'!*X(R<X?TVB":+.#FF.#E6
M<2*)*P<%.7=[;%`(Q(TC;NDJ?\U(>D1``2[CC`(Y=&30*6(?1V/N'4=B0LSB
M`8UM!+03R#B-D8\;6=`EE!)((N'>$346'9=A'\:AY`04-_%S3_6SX'*<\&BJ
MYM@SM67$:H"=:T0LE#="64"G2%]J\Y'$NR9B+_0UOM22]'(\O1+"H_^X_NU\
M7%/#R@]R9!2S7-I+!BZ'\W7%)?D>R6(?U-?XQ%@(;BG"*)Y%N+3/"<.9".X/
MZ-M'_"=&=_4E!:!/MMYMAA69X)`+8F>L!?*<5Q+,:4`C9^`0AIP:"6>NX@W!
M0@?+8R@2XSUZXZ$WC&5NVP!78EV/70M//KK5)`*;YY&HS_T1^YG.7!]"'->5
M]S7JJK\]/'O$75>[#]66)A8=+['SU4`W[Q39*#E'>DC4O(YM6VMMR&E\M=G5
MW?KO&T.6&FZ7E/Y-=B<0A'5L5[@QRHPYR;E4-,6E307>$B`2@#A$A+W1=TE'
MNM7SY8W67%D5\4A$XWG9\HF(IUBGZ'F[8*NDAKQ#<[R9F--$R'$F'(Z%/7.5
M3,\-G`^^RL9;0:Z<QQ!]Y\0\\8;.E&+MBKN2VR7V<19(0R;*`6OSBJ68*_ZJ
M<2^4#3[PD23V\N`Y5^4$2R%Y)1:#^Q,M7"GWR^_O%B$@45.`WA\P_N^UJ?*/
MW`P_=D<=MI=@?[AKD_,#TC$2J?.YG)X2DRRINH_==._>`.[+7WE?GK])1'?K
MK>;#&?&[>]&QYMVG?(D*LH>K(%LK-U!!%B;`!)@`$V`""D(7N7AK7/RS96T4
M@F;;J@6G%&8`OA/@=67198D-2JSUJ7/1_@:_[>*WI=O8>:]O?:*_CYG<\[9S
MNO:^$BY]N4O;O?Z77K]E=>BB%Z=PW0ZNLWI6ZVS[&W/6^MKJGK4^G'7H@GTV
M:)UUH.?[9T+RU;G-+=6Y-=;YH]WY8K%OW<Y95HIUMWL#BY1RT%4AOBRSE$:4
MLU'&9<>@05T>``I``2@`!:``%(`"4``*0`$H`$UY,>/?X_6Z.KL3/"@"[]P$
M*DZ]J*#4\7ZN!9E)A<QL0OL+L$4H`VZ$,K!%*`-NA'*!L44H%PINA/)NM_0'
M?2VN*G/,;^[9U2R:I^?*JRW?D5?5KR&XNB>N5K7FO.!ZFND*>%\)KUZJEH%N
M;M'5&O.UR8`WA_!62M4*T,TKNG6MV02\N8671E[,J_*+;E6KFQAZ\XMOJ9G^
M>7-ZWLO'=^[S>_.U6W<Z#??K>Y[RE\OI9R;@?;7N5#"JY!==0S,;.O#-*[Y&
MJ=$`NGE%UZ0;=L";6WAIR@]ISB^Z=<VL-X%O7O$U2M7THYOFM^[E+3?O>-F.
M-3^`%M`6&]I:13,K=>";5WR-4AWO87.++H09T`+:K$&+,3??^&9BS$WV_?J]
MS1%5(^N;(^YR#]^313GV>+O^7-]^'HF?VU+R0"3?I1L_9?S:!<&#ZE]FJ+6C
MRY*BUI/=`+4R2:U,JU;%T)IFDL_:P:]"2U?"4T.PJ]#JA8$QS=3*M'"!6FFF
M5J95"W.NU/,KT]*5BSG7P5;7;#7'G,JJO+,K5^SVZ,[R(^XF1<?U3J4F4F()
M?*QK!]ZK9Z>^/?ZZ(N%=-'8"]^?K<RIIMZO3DE7HG2FFERH'GP"`8447-MW0
MM4HCR81#$*_PTD:SSR3S:L`P2-LV:=.U9M,`[U+-NXPKFUZJ0=G2S;`\*ENE
MK)F)IJJ">(67-J-42W*GB@,Q+#U;Z'QL=?OL:^OL4A4G1DW8'=S\&%]7[?[3
M*V`),0`%H``4@`)0``I``2@`!:``M+B`IG(K&Y2'1?6J/,-=:,7)(Z"(WT+!
MC?C-&:"(WT+!C?C-&:"(WT+!7>CX3<^K;M1Y/?R&2U6M@<WK<P5O)D0'@+XR
M7G6M::9_AS3`BW@M+*`;\5K7FMBO,E?P(EYS!NCF^%K5ZJ@'DRM\,Q&PJ7QO
MCO*MAY*=IHE)0I[`S83F`-#73A(,K6Y6$;`YPA<!FS-`-P+6U!HZGIKE"5[$
M:\X`W1Q@ZUJED>3&:<`7`9N%=^&HOIJ\V&#-39Z@S83.`-!7QFJMHM6K.@(V
M1_@B8',&*`;7W$*+6,T9H!A<\XUO)@+VYQ9H0&G5`A7,02VF-%,K:[5R$M%4
MT*C0"E4QM6;MX-N/@U^0*=`(,H6)5"ZH!84"C8JN4)A(I9Y?D*G4%4%]W<H6
M5#[=@\[FJM9,36LDND(>E6:2[EH:*\T<3H!!I:(KF&Z8FME`(<!T$P\:!BI!
MPYZH95JO);FB`[R#A(%*J:%2'B6LHFM-U`%/.?&@83^K.NE)Q*GEU4?;N5E^
MF"XL49>U^JV+P<=>_USVUUM[*+?HKKE\*K?6P]5A5N_+_)B/O8OY4[P3W2#K
M+&<B0G8A;EG?GW!/B[_0V$`$SNC^P[^*Y-9YJ_^I2U=0#P(7O_>[GSY;\^\V
M'@X:Y>F/V%-=[T:$T82HSD(QG`5.Y-"5Q\*U6>2S"8_D5W?OE">F2S^03S8\
M\4C$*$\N#I0V'@^Z?W86CRO5%Q];Y]VS;^^>LU@=^[75[[9D]ST_F'#W)0M%
M'T"D&OJ]$SMFT<Y6W.+^6M_..JL#7X+E)CC*T@4XQT:%P"W'_UX`DT2)G.JZ
MX90/'>_Z_5$Y_CSEMKWX?.O8T?C]4:W<6'/\VK-I>T>I(@+NJ%4383NSR=S!
M^U/0H2_M]MX?F4<P`2;`A(*8L/EF;8ME:R-)0VKFD\9M"/Z5[VYY`?@;.^M>
M=(X_;XP*+Y_5_+RDB9T<\=P:@&<<%7=XNZM6V!HQN"V+G7;:G?,/9(ZI:S3?
MT,V,P`S`=P*\KBRZ+`U*K/6I<]'^QLY[?>L3_7TLWX5W3MF@T[[L=ZUN9P"/
MOMRC[5[_2Z_?LCITT8O3`6M=G+*>];G3AQ-?[D2K9[7.6/?B:V=@G<O[P!47
MV>?.V2FS>C0WM^17WR!/^^?!%JNWV+@=WR=Z_G"\>=N]8-;GWN6`PF2@L<X?
M[<X7BWWK$L:#7Y]&-L'LN%W6Z+1[`XM]:`VZ2B67U5G2B#)2-9%["T`!*``%
MH``4@`)0`)K772-_GV\1J7:E*`+O7!1JA<SL&]I?@"U"&7`CE($M0AEP(Y33
MMH_='HJJHY`ZI`?0`MJ"0VMJY7(9\.857KU4016AW**+X,TUO)D(WO0\^T>Q
MYH,14ZO7H#NYA=<HZ4`WM^CB9@[0`MJL08LA-]?P9F+(3?/C?=2)Q?`":`$M
MH'TX<RCKJ&F76WC-DEX!NGE%%\&;:W@S$;P_8>=\E*0L4)T2O:PU$Q4YU"E)
MM&<IK%-R3V0K3;`KQ>S*MGIIU?+!ZWR`7D41KTJIFN0,$>PJMG@96D5/<HT1
M^%5H]3)+.2A`>+#77B@BMP<ESM?>_X96JZ-\2;IYE[VM_^]IM)GDT@,P#,JV
MA755K7KXB2=H5R1A,TJH_)5RAN50V/2&IC?JX%VJ>9=Q93-+Y8._T4BVB-//
MS1S[V.KVV=?6V65'7@";.>_@YL?XFHE]"P$H``6@`!2``E``"D`!Z`[3\H-F
M>6%?9^P@F6>X"ZTX>004\5LHN!&_.0,4\5LHN`L=O^EY$(^]FI'N#VAS*3(`
M])6Q:FC-6OJW`06\B-?"`HIXS36\F8C75#ZVQY;,A]LHIJ8WH#HY@C<3J@-`
M<0<.:!&K>0,48VNNX<U$O*;NL3SV6,:\`-#F3F<`Z"MCM='$UJQY`A?1FC-`
M$:TY!C<3T?IS]X["-LI%VLNOK#5JV(DTS?S*VEY^B0@K:%1LF=(JE20?IH)>
M4"G0*`4TRK9*&9JIFY"I%/,+,I6Z'9#W6`$(VQ[O)G#YVD//T"J-@ZLO]M#+
M^1YZAU-@4*GH$E;5S,.7!0+MH&"@$A1L/Y.PNE9O'/Q)'7@'"4LME=;O@T\B
M3BVO/MK.S7J;'<_^&/#K"9%C%>D;!RT^_/MD%AY?<SY]U_5N1!C)4\*VR\/0
M&3G"_G#7]KTHX,-HQMUS'LT")[H[Y9&PY/4M<LT'UQ]^_\___@]C_][24M<[
M%5=1R[//>?!=J$YW_II1&P,QE&TY(J0?VR*(N.-9`;<=[[H5AB(*3YUPZ/KA
M+%A=A3GV^Z.D&B]5JM5*J;SZWQ$;DNGT<U^,WA^-`G]R;)1U\[BLR_]'?OQ)
M-XY-_<&Y=/9_YE"<]MK6MR\=-HXF+OMR^>&LVV9'QR<GOYOMDY-3ZY3]\=DZ
M/V-ZJ<RHBUY(W?8][IZ<="Z.V-$XBJ;O3DYN;V]+MV;)#ZY/K/[)#]F6+D^>
M_WD<K9U9LB/[:$W@UU&GOQ<T/^]>',_COEYNR,A_1E8&$0^B35:IG\;&HDG5
M@-5O70P^]OKG,CZ\M><GB_`PEP]0UB)B=9C5^_*.5>4Q'WORZ<J5[]KJJ<N)
M;E!(6<Y$A.Q"W+*^/^&>%G^AL8$(G-']AS45:=9YJ_^I2Y=1#VX6O_>[GSY;
M\^\V'N8L'^68I6UK/+H77SL#ZUR&ZZ#3ONQWK6YGH.)I;"P],MV_0\R50P[G
M"Z,\_3%_KC46%`UAQ*YXZ(2,>S8;<2=@-]R=41?\$7.68<G"9?0Q'@@6SB83
M'CA_"YOQD(U\U_5OPW?*9],<NZR[W2$WW'&E4)$C`A9R5]SWQ%J(/A602NT6
M!THKCP?=/SN+YY/JBX^M\^[9MW?/V:R._=KJ=UO2`,\/)MQ]R=JK!R"IAG[O
MQ*Y9M+,5N;B_UK>SSNK`EZ"Y"8^R=`'/L5$A>,OQOQ?%^0\2>.&ZX90/:5QX
M?U2./T^Y;2\^WSIV-'Y_5"LWUAR_]C#:WG&"113<<88U$;8SF\P=O+]YW]"7
M=GOOC\PCF``3#F#"YDN<+9:M:5A#1NN3QFU(C9PA;-./L^Y%Y_CSAAZ]_"[@
MYZV`W<D1S[UN?L91<8>WNVJ%K5Y5)K4L=MII=\X_D#FFKC$Y_\T(S`!\)\#C
M8&[W!A;[T!IT!_#:R[WVJ=\;#-CE1;]#)__9.66?6MT+>/"?>/",/G?@PAU<
M*$M*R9XNBTDMRTM!K/>+^!:KM]BX'<DG>OYP]'W;O6#6Y][EH'5Q.OCU:2@3
MS/38937,96E08JUKX0WOT@AE;C9MKFE-`WN^%0IR,\FW^\`[=7B_U8W:KX"\
M2)#7M$8&HCP]V\2T_6#J!SP2-`WS;.P)LR\>ZKK6;!JI)R+P?26^!C8FR"VV
M;XVJ@6E#;N$E::[7TA^^F=R&8NWA!9OX073-K\7Q%1]^%_;:"_T]$"HS*6\9
M3ZG4M4JCG&"L(*>RT`0S-=UH@EZ@5S+T>JMKAE%/<BX'@A6:8+IA:F8CR?M\
M9(LC6SR'B4J5LF8VD:D$XAV8>#3A;"#'%[0[,.UH(EHK5P\^$07QBDX\O:)K
MS7H.!MJ7YG$6)2=J+%R;13Z;S--+D1&%C*CT)K+`!)B`C*B"K[)'1E3!`$=&
M%#*B4N1!9$3MZD)D1"$C*E494<DN*DK]^K@DGC.]\#VG5JNG?\T<,-_G$N=&
MDBMS`'CJ`'];J2>Z5@:0IP[RQ'=MS\+RE)U6G_`?ZHGY9.8Y0V>ZEY4HJ:?G
M89;E:U4DU>077A1)SRVT;W6CC'E#;N'5M4HY_<*<R72I>]G7:HM8/QJ+`,E2
MV5L+;FK-)FKY@EX)T2O)"12H56AJO6WJR)$"NY(;%\N5S-,+&5)8N'W0A=L-
M36_4#QTV2!@H.N^2?>L'TH%TVR:@M48#R5&@W:''V)R42T1N%.I%(3LJNTDM
M,`$F(#NJX"ON'\^.,C(",P#?"7!D1R$[*D4>1';4KBY$=A2RHU*5'95&*/>\
MY.W-*Q_///(\J*HU*HU]/O'!6L6#`%<O`[3,@?:VGCQHOP*U_6MD4]?3%V[I
MR0E"#:5]4:V^+)J4*JH!P9<B^&`C'X"7'?#86[U\```Q1"<IH(TT"F@FDW-0
MRRCCRY!U4]<J1G6?X8"E[`7C4$TSC;T^:P"#"L8@FE3]?/X<8LX%`B4UC-6U
MNIG!80PI,SE<SOO:AXNO7;&K5^A6H)8\^[$:/)?TH?E;<Z_/-$">XI!';FR3
M`N[\M,D;R/-/!JZJKE7-O2XN0#H)2NT@F03))#`!)B"9)#TO!].W0!G))`4#
M',DD2"9)D0>13+*K"Y%,@F225"63%+O4SI[74#<U4T>>2?:`J]:!6O90.P9F
MF<.,)++1K*4/N/2DF:#TS-[(5MGOFBQ(Q&'A2Z%,`#P,S@4`KZ*G,/8RF5V"
MTB^97I2[*O:2J26Y8%!J&*170!_0Y_5I)=44R`_22K)+(!K!JAF4("258&WN
M/U^;:VIU`VD!8,^KV%-M9G%5-ZB3`NH<8M:&A))\<D>O:$9MKX_?D$^2<#[)
M.7>\B/XYWC5S5KDE?\VXZT1WS`D99]/`F?#@COE7_Q7#R+D1S!^Q:"Q8VY],
MN7>G_/HOL_E;N-[$E.;4PSL)V7"LL7"F3I9)*D,1R"LRUYD0FC83/X9B&CF^
M1P9.`W_L7#E1J-J?SH+AF(?J>G2=]=;GCR#OV)5P_5OJY+GOV^L]B1-E_""4
M3KMQAM1(P`81]VP>V/'*,/F/??']8.VT@$?2%73!5HFU(G8JAF)R)8+%XF13
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M':408N4>>:RBM^)1S#8S]@`?T:R+C?B0E#P>HEC$?Y"V3(47CPMO:LJU3S1I
MQ$TV7MI@94M[TN!%>WK<GF'6X@/O-RE/E&U>"4^,G$BUJ1L*GA+[$OA2%JFQ
MP)^H>`ZWP[R]2AB[%139%(PE@TT<EP:*E><TZOK#KQ=PZK52=?F;/5,]5=C\
M/WO7VMLVDFR_7^#^AX9W%E``2N93C\QF`,66$]W5(Y#D9#S?:*EM$4.16I*R
MX_WUMYO4TY9MR2%ILGDP$\"2^.BJ<ZKZ555=")-D?:H=>C.RS'&E08@G\[`<
MKK'K!!X#D(UZUBZ5=8]^X%G7"SXT6?7/>W'B_:J_I':H[!O3\MASO+\9X4/7
MOG2Y_`GWE(^7&:7,.^9V;REYL+@OYVA1<\R:\S"/7+QG.K<A(=<-,D.J[.GX
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M@X,>D9N?_Y1JB``1(`)$@`BH4Y&!3-@,Y#XKS]6I>+([GU&8`?A1@-="B2XK
MA$^0OK1Z9U?0VS%Z6ZN-=/N#T1?V=YGPX*?6.1FVSBX'[5$;=1>.4>E9?_"M
M/VB.6NREO7.H[@C5C?JC9H>T>]];PU&7;P1O&$B:WYOM3O-SI\5>."##9@>E
M+')9RF+90>^4LI!(Z\^SUK<1N6JW.GFI;+%;&FE=926+*.<C%>Q(HT%N'P`%
MH``4@`)0``I``2@`!:``%(!FO.S4#RN86@Z)(H**P#OVV0\\U[GEGZ(DC\WG
MF+FX\ZYR/.^"F\F$F]F%]I_`%J8,N&'*P!:F#+AAR@7&%J9<*+AARL=-Z5/=
M%F^&Z771Y#[,6KH/I_O\;>L]<B-*,@%78^*J(374:N;I"GC?"*]2,62@*RRZ
M4GT9FPQX!817KRR+(@)=`=&M28T&X!467M;S8EPE+KJ&5-/0]8J+;Z61_7%S
M=O;EHYG[<FZ^-75GMV&^'O.07Y:SSTS`^V:_HZ-7$1==5=+J"O`5%5^U4J\#
M75'1Y<<L`5YAX65#?KAF<=&M25JM`7Q%Q5>M&-E'-\N[[O*>R3LVVQ'S`V@!
M;;&AK>J2IM>`KZCXJI4:]F&%11>.&=`"VKQ!BSY7;'QST>>^P_&^6\41CYG#
M]^_X%#Z^Z3K.N4[FG.OT^J]T#L`6F5I'JBPI:KW8#%`KE]3*M=?25:FA);G6
M#GX5VG4E/#0$NPKMO=`Q9IE:N79<H%:6J95KKX4Q5^;YE6O7)<28*[7HFKWB
M:$R<B;NXMNEQ2W<C-S#MI.BXW:C,6$KD`I]K6LJU>HYJV_/;%0E7T3@*W/?W
MSYFDW;%*2]9#'TTQI:*G/@``PXKNV!15D?1ZD@F'(%[A71L;?2:95P.&P;7M
M<VV*U&BHX%VF>9=SSZ94JO!LV6:8B)Y-ER4MT515$*_PKDVM5).L5)$2P[)3
M0N>BV1Z0[\W.97@X,<Z$/4+-S_%U\]Q??0-"B`$H``6@`!2``E``"D`!*``%
MH,4%-).E;'`\+$ZO$AGN0GL<$0&%_18*;MBO8(#"?@L%-^Q7,$!AOX6"N]#V
MFYVM;ISSFG[!)4.JHWB]4/#FPND`T#?:JR(UM.Q72`.\L-?"`KICKS6I@7J5
M0L$+>Q4,T-W^U9!J.`]&*'QS8;"9W#?'\:UIN9V&AD&"2.#FPN<`T+<.$E2I
MIADP6('PA<$*!NB.P6I27<&JF4CPPEX%`W2W@ZU)>CW)PFG`%P:;A[UPG+Z:
MO+-!S(U(T.;"SP#0-]IJ59=JA@*#%0A?&*Q@@*)S%19:V*I@@*)S%1O?7!CL
M^Q[0@*-5"W1@#LYBRC*U\G963B(^%30JM(?2-:E13;W\./@%-P4:P4UA("4$
MM>"A0*.B>R@,I#+/+[BIS!V"^K;(%IQ\&H.?%>JLF:I43S1"'B?-)-VT+)XT
MDYX#!I6*[L$459.T.@X"S#;QX,-`)?BP%\XRK563C.@`[^#"0*7,4$E$%Z8K
M4@/G@&><>/!A[W4ZZ6E@LB=O/DZLN_6'^4J2\+6C0;,WO.@/NKR]SM:BW*JY
MVGI5;JN%F\M&_6_+:R[ZO>4JWJFB,NE&UHSZI$?OR<"=F8X4?2&1(?6LF\>+
M?SKG5K<Y^-)F;P@7`E>_#]I?OHZ6W^TL#JKR_&>DJ;9S1_U@QJA.?#I>>%9@
ML3=/J3TA@4MF9L"_>O@8:F*^U@/3R8XFGK&84).K"[F,Y6'[K]9JN3+\XJ+9
M;7>N/KXF<7CM]^:@W>3-=UQO9MJ'!(H^@2A\T(]6I)C5<_;B%K5W=-5I;2X\
M!,M=<$))5^"459V!*T?_#H")H\24:MO^W!Q;SNVG$SGZ/#<GD]7G>VL23#^=
M5.7ZEN*WUJ8G1[HJ1L`C?=6,3JS%;*G@^#SHV.5R.Y].M!.(`!$@0D%$V-U9
MVR/95D]2YS[S1>%V'/ZU:^_9`/R==-J]5OGK3J]P^*CF_9(FCE+$:S$`KR@J
M:O!^56VP52-PFR-RWCIK=3\S<31%8N,-1<L)S`#\*,!KH427E6&%-+^T>F=7
MI-L?C+ZPO\M\+[QU3H:ML\M!>]1N#:'1PS5ZUA]\ZP^:HQ9[:>]\2)J]<](?
M?6T-H,3#E3CJCYH=TNY];PU'73X/W'"1?&UUSLFHS\;F(_[5%=Q3_#S8(_4>
M&??C^T++G_8WI7:/C+[V+X?,3(82:?UYUOHV(E=MAO'PP\O()I@==TR,SEE_
M."*?F\-VZ"77I[-D$66D:B+W%H`"4``*0`$H``6@`%34JI$_EB4BPZH41>"=
MC8-:X6;BAO:?P!:F#+AARL`6I@RX8<I9JV,7PZ'J.$@=K@?0`MJ"0ZM)LBP#
M7E'A52HZ3A$2%ET8K]#PYL)XL[/VC\.:4R.F5*O"[P@+KUI1@*ZPZ&(R!V@!
M;=Z@19<K-+RYZ'*SO+R/<V+1O0!:0`MHGXX<9`5GV@D+KU91=*`K*KHP7J'A
MS87QOD/E?!Q)6:!S2A19:B3JY'!.2:(MR^`Y)8^<K-X`NS+,KGQ[+\F04S_G
M`_0JBO/2*T:2(T2PJ]C.2Y5T)<D8(_"KT-Y+JPAP`&%JVUXX1"X&3RQ6[7]5
MJM9P?$FV>9>_TO^/?+269.@!&`;/MH=UAF2D/_`$[8KDV-0*3O[*.,,$=&Q*
M75+J-?`NT[S+N6?3*G+J.QK)'N+TOIEC%\WV@'QO=BY;_`4HYGR$FI_C:R[J
M%@)0``I``2@`!:``%(`"T".&Y:EF>:&N,RI(B@QWH3V.B(#"?@L%-^Q7,$!A
MOX6"N]#VFYV%>-1J1KH_H!72R0#0-]JJ*C6JV2\#"GAAKX4%%/8J-+RYL-=,
M+MNC)'-ZA6*J2AU>1R!X<^%U`"AFX(`6MBH:H.A;A88W%_::N65YU%C&N`#0
M"N=G`.@;;;7>0&E6D<"%M0H&**Q58'!S8:WO6SL*992+5,M/ENI55"+-,K_R
M5LLO$<<*&A7;34FZGN1B*N@%+P4:98!&^?92JJ0I&MQ4AOD%-Y6Y"L@QG@"$
MLL?'.3BQ:NBIDEY/W?NBAI[@-?32\\"@4M%=F"%IZ1\+!-K!@X%*\&#Q#,)J
M4JV>^DH=>`<7EEDJ;<^#3P.3/7GS<6+=K3_,5Y*$KQT-FKWA17_0Y>UUMN:S
MJ^9JZPGM5@LWEXWZWY;77/1[RPGPJ:(RZ4;6C/JD1^_)P)V9CA1](9$A]:R;
MQ_-FG7.KVQQ\:;,WA'/HU>^#]I>OH^5W._-J59[_7$ZKIY3<N+;MWEO.+0E%
M]\G<HSXC/[&<&]>;F8'E.F3L.F/J.?PJR[FC?C!C5_AAN"A9.!XU;>N_=$)L
MU_?9$TR?N#?DG([I[)IZ1%,D]DY%(R7+(<'47?BF,_$_?`P5/!=8O>VUJHA/
MQPO/"BRNG3O3LKFJF>H]XILV?:P)1KH=73SCDD*\5A=R*<O#]E^MU5)*^,5%
ML]ON7'U\3>;PVN_-0;O)!7`X[/8A82)/0`H?]*,5J6;UG+W(1>T=775:FPL/
M07,7GE#2%3QE56?PRM&_`X#B.#&EVK8_-\>,VI].Y.CSW)Q,5I_OK4DP_712
ME>M;BM]:-YL<V1<P"A[9&<SHQ%K,E@J.KXL:NUQNY].)=@(1(`)$*(@(NZO^
M>R3;ZDGJW&>^*-R.P[]V[3V;$[^33KO7*G_=Z14.'S:^7\CD48IX;7_R%45%
M#=ZOJ@VVM5"B3FLX)*.OS1YC'^FRYWX=0GV'JV^M--(?D$Z_]Z4U@/H.5]^H
M/VIV<N)4X%Z.`CCJ.G:/S8'6#M/:96_08K?]U3IG/F4X;,$E@W*@7':5!\HE
M0KGL9+=?5H85TKRESO@ABP@+4]E:D^J*FN!^$E+P,@=YJ:I_`.)%0KRAH5).
MH0`O5568>*$0UZ6:(0/R(D%>4M1J]JT\DR5PMV879.9ZP:UY2\O7;.)%)_R-
MZ\.F-_O^16!R*A4_=$W29<PXA,6WI$BJB@F&N`!7JPV`*RJX)0V6*RRXNB[)
M-=3;$A;?L.NM9=^`WR%S^8U%M\Y<;^YZ)GO`M>M,4'8K!:;'4BFB*M5JM03M
M`(4B"DVODJH82;I9T*O0]%*D1A5E;D"OI+R7EN@8$>PJ-+OJ4DU/<B,*]"HT
MO4JJD>C6=K9J=R53@?KY,EXJRGB)7D'"T*1&HD7W44$"O-N_.&G(B>XN@'@@
MWA[B:9)12WU`"MH5G78E14Y_H`K:%9UV1DTRJAC>@7?I#^^J<OJ;(B@GEG2]
MJRFU)R1PR<P,^%</J':%:E?9+8\#$2`"1!!&A(P6IOGU`6$!2@Z@VA6J7;VW
M^E#M2EB`40<&I8=`N=QH#90#Y;)&N>Q4NWJ49W(:F#_#];+9PK'&UMRT?6(Z
M$^(&4^H5+"D]B27O`_>-ZS*2Y0H%>4E-=@L#D&<.\D9#!^!%`KR4@YHY`#S>
MREB-)`]]!.29@[RD*DKVK?Q]DP#>F!'_0N6L>"<F2*=)*5LK_6@Q9&L5A5XE
MO89<4]`K*7J502U0"]0"M7)%+8RY0"^,N;)7(PYI\07.7U%4R:@F698:>5/@
MW3YO7:TC312T2YMVR6Y[@G0@W5Y?!T\'TJ4]L-,DPZB"=^!=Z@.[N@#NKKCI
M\*,I)3>N;;OWEG-+0M%],O>HSQ/D+>>&!QT'ENN0L>N,J>?PJZQU"KU/[JU@
M2A:.1TW;^B^=$-OU??8$TR?N#3FG8SJ[IA[1%(F]4U%)R7)(,'47ONE,_`^/
ML^S%4^_^:@/FG6G98>@STR_Q39NBW@#J#60W01DB0`2(((P(&4T-_O7Q=@&2
MOE!O`/4&WEM]J#<@+,#(Q$7R-RB7&ZV!<J!<UBB7G7H#6UD\640XYD2TW]ZX
M[KY_G;_1T.)<QT?Z8"JHE6K)@_8!J,6,6AF6!LR`&?HTH):7/BVUK/9,9JUG
MG8"_G*+R3.R+(BG+4S_A0G*)8*F>05\"^`Z%3],;L+[\PE=287TYAH]U?WH=
M!IAC!$M*"J.7Q,;2,2;!OK$LU*,"MC'0`<GBR22+5Z5Z(]:Q'LH-%(Q!S%?&
MNEKT-@*E,9P!@Y)A4*Q+Q/`_8`_8`_9@_`,&8?R3@8T9%%=ZEUSHM^XMOC7=
MN2')FI*X'2"17DCRE!0E^4[X=36\VR02Y/D%\L2\V06_4QSJQ+O1!J]3(.HT
M)*T>ZR81_$YQR%-2U"QPYY<FC<4J_[._/LV4VA,2N&1F!ORK!U2G076:[):S
M@`@0`2(((T)&"TG\^J"N`"G"J$Z#ZC3OK3Y4IQ$68-1M0*D04"XW6@/E0+FL
M42ZWR0;$=";$#:;4PPG4Q\1/Q;H&_GK85*-J)+X"CK`[X6A3TC)`&R0;Y(XW
MBM2H)Q^>!H<C''%**>S4PN&(QQM5:NC5]V<.B),WXI2,/(YPD$Z`"*E8P^M2
MF!XBN$Y(ZJ0Q1414KYC<26>:",<C)'G2F"K"\8C)G72FBW`\0I(GC2DCL@EB
M/DQXSUG`'B5SSYJ9GF4_$)-XU%_8`3\?V'+&[&)^C>40]OO?-"`/%K4G/KGQ
MW!D)V/,"UEA^[7SAC:?LV@II.^26.M0S;8F?,[Q[GV?Y5`IOO#/M17CG5F+#
MO67;9$*CM_[^].X;T[:CNV],RWO^$:N&5[C(3#PN8E4F<]>W^&')/GN$&83?
MCMDG:\*NF3"&SOB&;J@%:S9G+V!?LLL>GY*L54C7=,Q;&J9E+$5E]]Q9]-XG
M3`G.;:2QK3:.S87/GG;]L/V[Q7T,]0/"=Y'#,YE737CXG0OIT1O7B[3ETYW\
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MN$GT\=O..;T.FLZD&W*?.Z@6:VOP,%RWC?UX1KW`M)R19_)4DR:SY,`_M_PQ
M,VK6JA'SMI]M=_SW'__[/X3\:_66_ULXENL-%]>NQ^YBK)OT7$X]:_+IY)G?
M*KIAR)6M_TY"T-GS!_3FTXGIE]V;,K>*LJ*6->7)Y?P&]N3HZLOA^0FW;^9L
M;/_325D[^4/1Y+HAR_)&%<\T)!9)E`,D43>2*-F51*YHU8:B5A2MJAP'S;[[
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M5/;E%G5:S6&+G/6[W?:HR^Z(8J*GJN`+$6<NFY(Z#Z$>_J$U?F=3UVO;NHTF
MF6SF16X6?'Y%9I9CS18S)@4SM\U,DEWDSMG,FTT_;Z/?_+V3=8E8X;3SQK5M
M]]Y'J83,ETI@CJ^HI1+B38/\Q;R.5](DKUK-P<<8%K\+D_MR<3FZ'+0(ZR7;
MW<LNB=S^M^;5QN<C(396X/=(O4?&_8"^T/(GP);:/3+ZVK\<-GOGPP]O#5%+
M_KQMUAWJ6<0MT\=;UI043L7ZE2VLS!QOR>CUPGZ@,/1*Z.RG:CW'/$O%=[T0
MIP!RO4(N-=:=>K&=V`OG&8-G+_/,4&*-8A30B;U0;QSD>IE<6C762#6QG5@C
M#(`(@TC,&\80T.ZMM./!V?$>,1$_\XH5QM9V"%\U#!>*`S<,)#)G[H*O"OLT
MX&O'P928U^X=E1A1PS`9'B3&KULN%"^#?S:KR=</X<_+->EP^3DP?_+F6XZ_
M\'A,DA1:U,P,`X^B(*4!CTBBJZVO50B5Q5L5F#97<'D=`K6Z+&II%'?T6ZVJ
M2[(L2^RONL'_"M_Q6[5J1%^S1T5KV'R/+VH`WQ"3>(P>#\&R[JC]$%,$TJO;
M68_VR"SSVK*C2*EP-VSS.>F0H8:NUM3&[J[>YNU'-3/)>*!Z0S94+99FIA04
MH^N*')-:TPEXT73UZ/8VG<DP8'2>NO:$>GX46O=8B+T7)1X*)QM56:L^)]'>
M-B4D9J)Q<DS`1D/)@I@IV95:JRFU+,B;DEVJ6OUY1W*0O#=T2(/`#F-^SU@#
M/7,<^-]<VQJOA'WA"L1=O#7NPA!DK+B>"7UN]OY=[O_H\7IS[8L6:?>&ETPJ
M-AH/!T%30^!A\E:011CIO\K0F!";6<]F8$OFW&IX3\XC_I?C93J;V^X#9=TY
M?XZ_=1'/FN#A\-XDRA&(QLU.N%_*(ZK(YRB&GPRGE`9A4`:[Q/+(V/2GQ`\S
M"ICA1W'T$@^DWPS@H_2#L>E$$?I1G@K/*!F[,[K..=EI#1L2;Z54\$?M>\]N
MJ]F%UZ;S-W'OG:?:N+>"*;M@9_!NA0V(:Z#]DN]ZY`A=Y@R8PXS&YH,PP8+/
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M]^3V\-KDT;5B:*+6(GW.&J*EG415ZYUK7&[+#"U_K;7W,5T!@[66O`(&O9YA
M:.V!(,O%T@ZCJAKD&I?>;AI&NY9ME1!8JP05$)!:NH!;VG54U8!<X_*@Z%Z+
MICBQ(@)K-:`*`KVV+N*7=B-GY'OD_NJ[WF]G<3ASJJI$KJ]E0+Y//#_Z%?K_
MK>"""U:\XL6_OMX^6F-G8IZ[?A3C$?L9N=B1(FP!PUJ].#`8LFO6[98&Q8W+
M3_0UW6C1B!`K8K!VT5\%`T4V<FE8]F\5](^L#8H;EV&@]=JT2!8K(K!6"ZJL
M#00C[\C3%B78;GE0W+@,`ETQ6G3B(59$8*T25$!`U(6\&TQ;E"`WF553@M*9
ML-UGNY4`6*L#%0!H\)S7CV833$E8RC][:'XUJV]W-9MOMBE7DLI[/L#(:XAC
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M4QB:U`)=$@U.)Z2M8;A)RBW<!?[4";%X`G0`7TS+"F>F=S^ZF8<6E(##W4OV
M^D<6I`4.6U_\+/6RP[N./0`G;@M<X571#P1<>B2VQ#+_46()4ODS-)EON')3
MWUI(16Y("P\GN2%5>%UX#A_2=!-064L+FM6R8SI\2$5N2`NW8_R0\F[$#A_2
M)M=]DL$9,G3X,#:Y;H0M$]\A<$,P#D-:!\_&ZE!I#QQ;K,W-ZXZ7WW"JQG<?
MMIGL%J&WN](Q<K61?!#H[:Q(C:SS^634A=Z=$]^/*IR&%#S?TNB<`DIW"DD+
M`W?V#4D+8WKV#4D+PWWV#4GV2F2+W1`W))*L:L9A0")R0[+V<HD/$E%7#;X5
MY+XAR5ZA5+,EJ\TVW"]SQK?O&Q&1&Y&U=U&<RV.6Y*/]B#2Y8]7!H"I\:[5]
MP]#P386H\?F2?P2&!V<:A+%C<US7K#S=N";HLI1/\LA+V\X`:%0'!$/-ES"L
M%X#[T'W!ZK!NX']V'%I$FB;3O0^_A<[$G4VPT37LAZSX*HCB:!CT+9H^EW:8
M3<K7X`OJ/J,XY?0[M,1V\YQ^M_?]._)Y,'C\`7+XX0@@P6+\L'QWP63BTEKQ
M9.3@>WTGQ@379A0%EDMS\-ET-,&3,)PZ-/F=G<P-M`=S`E8"<^L1UX\#,L]S
MA[]AEYC7S\/!1VC5>YHYFU&2??D4V`WL+H%!G?;(B'0C>!UT.7$QOUZ26]L9
MC5C&ZL7K)DX\A@YJ2JO7H/7A,Z0/^)+[T=*Q+WT6NO0\^JG43G*TKW6ZG<Y"
M)SO=*&=_@P<$5=H,*@>IK<*LMADZCYE$,1-WB1@K7/P-S/T\^S;7HTTOU0S.
MJ(]EJG;`=-/)K.OA^HOCV9BMT?2<SZ8;_H%I2Q=9^!<LES_7M)!EI4C*Y30U
MRFRSPM6+#G_WR*W0E439Z(J]GE%-P`7-#DS,O(SGA%V1\7:*7.KE6-C"KZ^@
MEZ;<T^H5^U;,KVC!`3)/E;<6R:_TTG[FQ6V97QW_>V#^*^R&7LR7[%*EZ-?F
M9^NB^]PB2FICI]GY6"VZP>?DYRZ(G6@8FK8#R[-[+(VV6)U%!?6.%KQ6;7DZ
MK-KVL$JJ_P1'79S@8`WP?9Q8*=VB$NIXCL7JOH^E(S["&J:'1W@R/0H\-TB+
ML5TEQ2E@;$1NA,=6R0_PE$=3U?^:.QK*Z%R9AM%J>`55X5G51/J'S_VO-[=_
M_KH)!_KL'_V'F_Y=IF#\YBJ"*X);JD6?]E,H34;O\,_;07&%^G427A89Y305
MV;FD@,@%]A^7XGX'B^5X6.7>`C'\=B:P[U.LNY=\?W/M>/S;&5BK#/"98IAV
MQ3*0H):;ZD!>WC]<#Q[F<$T<VYU-$H#KJTYI!<BW_]N9?';T+"R7+RW@+#-Z
M#-234N:6E!R-;9'FWM[<#<Z_+(V$A,VF2H;64JRT$A`Y*3][)BPG1!A_M$K.
M1J`8P<50+62K4X[Z0W(]N!I\O01N9+%S(`(^B;J2J-DPQD7B":]*>$FG\5"_
M?`NX+N"Q6&XEE*^8MI]O[LCPR_W38__N^O&7@ZB\O<CBU49!UEUP&[Y'<1CX
M+_CM$WWOXGN]1;B7WR5*0D<4I'K>V&"-[B,4^J>:BZL+4L>05LST_D7':U[>
MQF[L[,BF)#X9$2OHAHX56".1.%%LQLX/H'L\K_RX<5%$L:/UQ)-Q.1X!RX;<
MD>5>^V38RD7,P\*HG$^2`_63\M5D7219[6A&[V1=CD?`DJAW5$-IGPR;7</D
M=O*TD^Q.OMH:AV55JT$7-I&U/RW==/2Q(RVN0L;Z'9C:,32E02M618P[M7(G
M_6I&O\"(*I)P>"JTLR5<(3LRL&/3+`75#"[U:YA'#LQ\QPQ]&@Z`D6--C9(L
ML2T;)NM(V_'I5R7:UAIG';<[BK9KZ\R/X:[-\U$IWK8G<-OJEBZ)'5%3#U!]
MLJ;Y@CJ%++YF79F.S^F&QHT]FQXZ*T;$C,FU8SF39R?$.V*"%XDTU@MOR&AT
M6/$\@'_ZI!IB1Q`$^OPG3=;Q2X>$3C1EX5S>>S=[8D"]>>)P9M%(,'9@"7U-
M0S>"?N6N\!-[,WY`=Y\@GI]KKB&BE/H\)<.,7]'8A#X#XGR?,N_3."#1[!DH
M@4[3<XWDU:Y/'!<=^Y9BW5S_%9ABL6ZI\U)4^(XDWHXVS+YO%(2.^^(3&G(6
M8CP*Z=MVXEWGO7>6_*"2OB)HX(Y<R\109-^>`9KOH&(^>MX@NFBT0AK/AKU%
M"%D9/HQ!H,6"G@#/,"*.CZPCP/"RB>N9(3$109<&UV#3L?F*;TM_=>"UP<2U
MB#4V0W@4]#6*70M#"S'4;Y3&^:%WK&V&=DHWGEE;GAE%E!]*<@>PLH'-&'"R
M'`?]\?**4(31Q/QW$+KQ>\YWC([]_Y%[_QO-$0HL:P8\OH$X@3^3B*I`@`N'
MA*;MSJ*T@[\'8]#3X,V'KL._G#@?A7A\-N'&IXP'(<!DANAV!SC1,?X\BT""
M4<2@AC$2N;9KHKJB(H`BHTNH:27R@V'IS2C4'EM$(M38T@VA,Q`TJ%@G&1$!
M?D2%8C^;\+/'(E0M*D`Z(FY0!CYH)(ZTC$2#J>O#*RE5T3(5Y,V!`08&!HD%
MI8M=5!5&O@G#&X-/(U3.>!Q`TVGHO)KP9J`9K`D^%:,1&+%XUBGH-#H,+K\`
MF9KY&8JG2?`9LF,'5(7!0`3>*[4FT'QL,H39_3>Q0@>T&&;2Z"]J,R)G/A9!
MU:'#3X8J+TPK>NV"GGHTRK>"R<OI[4>B9ZOZ.1<X62\:E/K_ES[6?$X)L;`N
M62E1#?+::/H(4=/5`I_Y??%:&(I32_A2VV7,RW?5R*7VR_O`8ICJ%/F!13#5
M*O5\V.5V4B\/WFP?ZX6!JMM)?2>L^R]#6"MAAM-\X%/!+Z?`IE-@4S:P210*
M(YOZUW_T[ZX&C^3SP_U7\GEP/7CHWY(O]U\'+'G/9?_N'Z1_=TU^?^H#$L/!
MX)K\_>GNYOX!L7H.R04#KL@_MO33XQ.>+-W<]8?0X_7@\^#AH7]Y.R`W\(Z'
MP2.ZRE\"!T_PF2Z#CSKPZC((0QI%Q;8LIOW*3H-PE-)]RN<OMY=I\-4I]"H^
MA5X=3MS2$;#0TDB$%KH!M2^^I##TBA3%Y]0KY0\RMT$+OO9A9@3K=-(!_A@C
MU@NL-OI`4?_W`?GS9G![?4*0'\'+_BTN%@_$/!Z4H3P%:JWU?[E_=4(?[[C;
M*,<#\7M==CH1NI+Z4X,N)R>WYM:%X2EB1U75ULN\/:%<L$(L\:,Y'HW<D<%1
M3Q&@1RM=!6_&6R_>5JYMP,IH)SVLS<H8IU#0HY6N*!V5F=G)"D8_:5]=VM<5
M]-;KWDFZ6TI7/RK3TDSXTI;AHF"%C!JTY6!"^2J&KC45RE=*1HF54YJT<J=`
MT1\L4'19NYI>P+4KB'3_D?I#&J>1.I/\2,/DH(TP;&.;S#ER,L(_MA%6?R@K
MW*Y0?F:1J3/?\]SEKZFAT\I(ZJKQP\V:YLKA^D)7Z35Y<WH*UC]EB2A0.TUK
M^/:V95'^)P_FDP=S>]Q_CX"%EKKHM?#\NGV^EVL]F!O.F'_R8&Z/#IP\F$\>
MS"T7\<F#^>3!7,=&?<V&"'V6Z]SQ%'/STPYVTFV78-UE(]2.IM6:+/00[G%.
MKL8[M`QJ"XN2G`3(+<"%_W"K)-C*I<3)8?B#MD)O8?+_DP"Y!:@>MJW8OU-(
M35[!!W-9?V"N($*W5^MBYN3M\8-Y>]2^F/H1_#E.#G;';E7UDG+,;1T3QZQ`
M!V951?FXS6J-Z]*3;]P/XQLGI.$B^_5"VL6A_>%HT:'4JI&,NN\%6N;$=GQI
M2H>%U3SF12C>R:7I_T7<B)ADPBHB)*E*J54'>5AC,@V#5]=VL-R#N]0V+4U!
M@BE6<,$,RN]8"R5XCDVL?C*&/^)W+_!?G/`<RT8L$J4^FUBR9C8-_#4E1S+U
M8;#42!0Y\5)U;A#).:L",PO/1^;$];!B-]#FT((5V>K=-$6KY824K/A]ZM!"
M)=:B]'?F65:!)L160%HP=7SX=1J0J3>+YM1W$FBPN@_TYUJT0$:07AIGIL,.
ML4P?*[L`!,0V72RY`FVQ($;F-?AYC@R`/'*_(SC`B)<4:(EGV0(MR;-=TO>2
M"3B*,;>TB5`SN<!;7;1IP!7BEW*?16A>IH?"LXS&>8(<*ZJ1]FB^O(3."_X=
M?YW%`6C!*Z;I)LY_9M`2Q$')FV!%GARQ6*L$X)IZCHWE<4RL7.1YT%>X:$A9
M@6;?W#B.GF?ARYC5%:+ZE50J66`+[!>4\LB7_;&).T%G/G@3R,C$4B74"?63
M+!HDK0D"[RR0'LAN:CZ['B*?E#:A%-*2(H:8;3WS4]4<.39E:33S[8AX6/N%
MX6=!MTX$"H_X@_[[?T7'7Q?G]YD9FJ"'`,S?P4`$(7F</;,J.5CVY=H9.2$K
M$'.3:NNU\PP``991/DWR\<%S[Y/^-(11#G,KP83TR]J+]7,\!X$R05^5KCI7
MN2G,CZZ%)8&`)BS,-")&5U%_(L-P!AA^"RFPT/`1U9+6GDJ-%I@SP!9U$#34
M1=,.]M3QG9%+1W]J-6C=+CI^F>F%-Y@@&\]\PV&<5C4B,;ZO0_I@/%S`YY5\
M!M'ZM*<K<^KB#H&1=,,LZWKZ8)2`-:.FCAI%T!=8#`@XJA$=FF8;?D%;2Q4&
M1N04BVO%R1P4)T,Q"Z`Y`F:R/0ER%UX>8'&L>;4J-XK`@M&B1VS281,,!TL(
M4;%:IRK,.E_77P>TWNJ2)]]$6^S^%QZT4V"P(=I-4`(4!D@AL%BMI/F\6X(E
M,\'P-["?GR1)8:602NJ9F91[+#[%:I<%M&!;*OMTDO;I7I=2<<D*X)''L0./
M+.3S[-!*4'.&L.(2C-O01-MZCO80YWZ8Y-#@LG)1N##(RJ)84Z(,=_`>SZ6"
M@N[O^H_7_?]#;4XZC-XGSX%'^H\/?WQ;KB@WPT4'X)$92?#B::H0-'N["=_=
M5YSDIK`RIG6STN4"UL2B$RV@"B0YSJ1,!H`B*)R:U)82%$9*4CBP5!BT=.`;
M//%)E+OS>::V:E0%Q2?RE2NB"(0=@R0=WWI_P-7+_>@;_-6%D8>_?C6_NY/9
M)*EFP?DTJSPB"H;0E25=KE:CJ*!96:T>6J'(R-7JX:1S9V"(W&#D"IA4!4.6
M#$%I.1A"5Q55?0O-*&BV`0RIUW(L1&XL<HI1%0M1UM0ZL+ASXBLS&G]C>T7[
M\OT)+.V-G\QT_DM_7@*3=3Z#O]U/G:34)@7H8UW473VG%#95T7KR$FP?([Z%
M6*J;L926L,PHHEH%2TGHZ;WCQE+;C*6XA*6XP%*K@J5HZ))VW%@J7;DGP:)(
MUCXPT%>[*$/U7.PI1XZJRHEJZ9"OB*HJ*>IQHZIQHEHZ^"NB*BF:N&M4;^BN
M^4.H<G:QTUG^7--D@0M,3NI;".;.IOES61)5Y;C!W-D\?RXJ@G[D8.YEHI?Y
MEJ*'B^H>)GI=EHX;TSU,\Y+!M_^L$]3D\8^`RMG%3F=Y43'XYB5.XEN(Y<XF
M>9CCN<;ZX4*YNZV\H/>.7"WW,,/+!M^"_G!!W<,$KXF:<=R@[F&&AP>YSIRV
M!?7&MX()/<]/,5K\9;=GZ>+J4F9!2F6Z=S;7J8*\LE?X`-T[FU@T5=9KHUL3
M.?0DC[<@4[IS;3<."%5;.2[\`-U\>J(LT:V=R\)*V\WKR]7]SP?HYM`3H%1?
MHKN7T%UM`2(+=>J)SD.W*!2,RUS;S=O-.M7$J&X&Y^IM5();4%?L_0?H[G'1
MK2S1G:IWKQK=J"5UT2T)7'3K2W0GZKW<=B/=TNI-V0?H%GGHSJKW?+K,M=U\
MQ:>LK&`_,.TH0(`J=551ZVU$??UD7]#'3J=\3AY*)_ZJ/-0]_7/R4+H(J,A#
MK4L!NI_3#!U]4'3I`\I4U$GI69C>JV^"I1LH3B[*MU`5N9!%M3X[2G<LG%R4
M[UFJRD)8W0I^4*-T0_ZX1JUV4CZVI7KM$R\7&S2J&A>*9M2W$F(:Q<?%!HVJ
MQH76JWF^`Y4VE!ILU$HGY:L-H78;Q<7%)AM5B8O>JL/&1TT4%Q.;3%0E)O1>
MG4R`/NE2#1:JH)/RVW1#6CD=_IA"<;)1KE"5V=!K'=T:-QOE*E69#4FK>2&U
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MV0W9-QYC,XR70]OH3V/U2&*`YUET'@8TAT7_ZNK^Z6X(;<CCL']WW7^X?F3Q
MSV/UB`.@;S"`UGO/1.XO@FT7(XJ`.OBV&=H1N0S@?^3GS_W'RU_2X-K"!Y^F
M&*=*?NX_/OU"V.@1.Q1%9X*O9A:"#,WOP.K/PV`*EDY7A%]^Q6!.#(\VTX!B
MTR=/?NA8P8M/(UJA";FD`=,Q^>?8P?A6L#AD?A-+Z*KBR@S#]U$0O@$U'7CD
MT9V`'0II:WR@0X(0_HQ?KT+'AKZR+<C@NQO%28(`1C`98OZ-A"US.O4PQC0.
MB.EY!#,ZT)C3>&S&9&R^.F`Q,R3'\!86XQU'Y(W1[`/-P9QF#VFV<C1'"<W8
MW%O0C%\M1G.V!7$HS6E$-J;-"&G?-LVKT??7TI3T2Y^?8[[^X6@<S#P,6B=)
M)#L+6<:7CN;:0_-74`N,H;8FQNO.+-H]8K:(L\:>:9@S&5$B:H>E`[A8#HPJ
M(&,4>%[P%G7)D"6\`(./X<5-"`-TQ0_B3,*+0K%DHJ9IO^;;/&T':IA%6_Y[
M%KJ1[<[1`[!B[!`#[&T[F0DP>AP'5$P'%-7#-RHF$-',BUEL-79LNY&)*-`H
M:)I5`-\\#=B4@DQ5H,8.',9GZ/QGYH8LK0H=#305S2QR6&1ZYL_S)ICIP+?G
MCU':BK4BFF$>G%D(1"8/KE/.[733<^=I1H"@I`LD\1G#_R?/KI^&_:\2&+&P
M<OP<16FP.@QQ%K]?Q!&F^YEKA9NFXDEB_-<RAI05=$8%30?^&@7+</2,F6QL
MALQL0I_(Z4(J^;DVK+$EE&-@UF8@4H`SQA'TP!F-'/2(<:@`1VYD`>[OCADF
MJ0IHF@MW0F#,N8'-4K30;D#$Z7//SHOK^_A6ED=B'JPOJBQ8OTL&9HA99>PD
M_030`!U.W!C$OD+E`@5FO6U,/!!-&9G>>VK+UQON5:P77#)<'IQXT64Z:`HI
M@^\P,X(`F*+1*0-M#+QW!&TPZ])D:EHQ69N@J4B=CS^A#2Y83'^&^:]``Y1D
MS0*KD?EB!%#%7\X%);O<>`#=<5]QR$6+1&7GBX_#D*8\H[E#8I!C%(<P7<TP
MN4N$V4/8&B$(8:WR.'N.Z7)%%H5SNF*!SCT8CE1RZ0SZD,GT](#YK08LH]/5
M/.L253#,Z3&;@$Y_3;-!W=*43S0SU^<`5!'FFEGHY%8B9<,/:`'4WYFZTCQ4
M-&M83`<YCF1JJA);/UJ\@@26-4O'IYE,:O"(BZFB?.0F9`E-J+*&%%`<1./W
M"#-PD6S'H[6YP&#,P4"(WS/II]S_TC%.WT*QF&?&PO17'8:%XU*+^K/X"Q7Y
MG#J6[8S.VLX+IK)R<6Y,$EIM)()VG:3Y29<^RYC`*R7V2I:7"F@`.E^==TJS
MYRVE^>)Z9T+;G`.<T4%MHE1DR#1\`H5\&:_09CML0@/[-<._Y&A-FRV6*PP5
M\R5TJ(F`=>!\R8#)T.)E54JG\=0\4U7P?4PN!G/%_$4C``-FPU08_\_>M3ZG
MCBOY[UNU_X,J.[4U4P7!;T/FGJDB@9RPEP`%Y)XY^\T!$;QC;,8V>=R_?B79
MO!QC_)2!J&9JAH`D]^.G5JNM;FT+CJW)@=/C<IA#@Q3FV1,&?N!:X-@.VUX]
MG-U:=.$P<?8`Y97\.:X*,D4(O^2)I!*-XP0%JTTFI+C0BU=.;T*&(X+RI!;M
M)"5?+OWJ4ILB3YOM!7&1/77X"V>,U338X=BR*I&]@N^MX?)YT$"TD>41K[-!
MR`2XP32_K&>KAG0T16:1P&%W:=S&,,`"N4K6U-^!1#79639]YQJ^X\8[1BG_
M%31ED9^D`:E`#,PRUU;E%KE":(@6)"Y9UW=427DC'/>*T7!=IN5`K.M059?8
MX3^25AH(`,8@JV".(PZ$':K=DH!C10B>4,B#8[1]<UQ]XO=LP069VN%,A[4]
M#4V'44:%]?)5GHCU-C)>)C+/`2[]K^F^_1$BF/,)RL`'O?<TG!)\GYTG']3>
MJ*!I%GP5F1\?-',&D`BDXOB@ET/`<<$#!GGR02^G@./J!?)!+<>`1].C,'M%
M->D`K2K%\4$Q"4&2BN.#8E(")_'%X8IBD@*G!BMFY;D.EG707*@'<UWR]5)*
M.7B.N#KL4^?ALY1S$%V4BM1520?3D3\CU8M%8`D'U>N-(E55TKEUU+K`'4U)
MQ]@5A9,+-H#T3[4K8G$^:6FGW!6>+]!0E'3JG61L%@F_,L[`"U*]V.6WC!/Q
M`MH8IF7*/Y@5X,G[EFYE*%F5#D8//'I2,T$M),5+#>G@0I21"7K%D$19:13"
M!,5@%/(@BD$3Q4"4J![V:C+R0"T()2I245BB%H`2ZX=]EHP\4`L^B?7#:T1&
M'J@%GB1./>@09^.!7M!);-0+T@.]@)-8/QP?S[C(E11L4N1@*<4<?8]2`DW*
MIP)..3HBI029T&ZX*(Y*"C`IA\/H.8"NA-B2'*R!D"OF2H@KR8U"#1W]F%)=
M;!Q\99Z'H:,?4%+58"YKOH:NA)H)PN$817;4E1%*XAO%[`%*"R,5Q4YI)14R
M.@M]?/YSDY(7Q6582ZIQ)E$*%DV*0V+A_-.K&BX=/DQ1(O_4HELBIQRQKC'X
M7^$3U/W9R+7L]4G5O:]R/9NY7-EPEPL.UR7<H7_OR?N$]B>3U5(S)Q\X91:3
MN?L%U6DG-`)GW'8I24@TO=ORZH%7(!F(I@9P<MUF3*)G,_]B87*OL)?UU'Y?
MDCR(P_47DG=C%1A8!0:_`D.SV^W_:/;NVHB$(7CJW3^A%BW0[3=[X*[_^-@9
M/Z(.(]#LH2_;XW%[.`+]>W`W;+<ZXR]0HX%D#VVR='$*T,J<X;SQJ9<JAE:C
MA>[ZZ<PF^A*Z"$PD*\E/3-<=L-#0DJ:11&:<\H0:O4(#/$-#AZ]>LA1B0GOQ
MKMMV+9PEZZQF^$YZ_POMV;'L9YQ!A2R+2YZ-T_V`#0W-3\%!JZ0#M\3Y#Y]I
MDW5>!F%E"EV<"&MN,B5)/M$4_KW2)A^;OS?\[B9(>RE,^@3`5\U8^5<,^#T.
M/]:_5YTD/)F!1&T_Z>MYG?_M7S3NB1.L'"21RGI$6W?^PL.2+%"L!B_MS%JY
M.+=RG1[F"<'1D+LS63DN\A1L9Y,"CSGW_H+O2]V[&X"D#L=@XYI4N="F_[=R
M?&7[B839L(&SSY;^I09D`-T,$+*5!_(FH/T*2=X5?N]-;I/77;A8)YQYM]:O
M?]9#KJT?;5/O$0T[-T5X2:<.7&HV3B-;/TIWMFF`FZPVZ#_(V$D.<N!D%U![
M#_77)D`6)Y*Q]JE_3GE?R1?"P/J[=C*[$('>N5^YJ-^C;N(;GP?:!Q%<:P7O
M5K9-LB'QVINH2]$Y0FH@;)Z,NE3"P)=IOL*?N&9`$H'L="M:*,&[1))3F%8P
MULI.(YAUMZ(%(P?JJB6G,*5@QG,;IH',ME_1HE$$.9UHMB2FE<V;E48R?J_"
MY5)/96"V!*:2"G)<;.BE2R>0RK97X:F9#3'53-I2&"F6(6KNGQO;[&:C6E`-
M)*B*%,7Z/F6YLTDM]*#6(PU"P6S2NQ])R8%-M#79K>86-&7!GPM?_S]%C0Z2
M$I>C]F;_T,+N<C1_^XUS#[T(G"![C>-PN$],@%_LEC=)62V/I>W?A3NNDKK_
M%F#GV8F(+#(-72%W4N9`9%AMY#CB3%9161(#E6'3RS0FN0'!)KS55PUD_T63
M>TOJ`9$"41N2M]]1L"G!!6&?@%04%PE>04E.,2[:8L,Y,O=H)^2]>-D4%$8&
MQ=$,.(*3E4WV\,U-;`0M#?W96'L?>!4MFZYKZ\\KURM#/-"V>^=BGT'5#:KR
M8HATBV,NJ[8*4<])Z4-N9%7(16J`FL=<Y960Y8>Z`EIPAN/N?LGB@:&9.Q/M
M%C\39M!$YM'I3@JQ(<7326:^+D8Y]%YN\T*("\QT$Z$;>BE8=2[$-STIW>2K
MBU,R6KP8MNW*@X^S$3:],%<P[OWE1$TOU!:VW:4G:G([#*[AJO^;A(.V9NH>
ML=GLWW4&N#GZP9R2,0:6X]K0]<NN[I)S;]EHQS*P=<L>0?M5G\`[U-9[^[JQ
M>9&:HDV,9X0D7,2<E[>)>VDN__T\1K0Q:\12.FV!,,S$PHP<%S/1ERTSS'PA
MS"AQ,1-]N74RS*AGCIBL(<288]!U9*6&$ELMN84`*4N38GA)36`7SU6<]':X
MP3N:+U&:R.53<(::G&6^?QXB.N3&->*%=<Y<L'A]RBK9SV,<>:/U-2"K7,N\
MTL@$V>`0;)V**==H1SZ97+_(BA5/L-'>;B+!EK=VQ7:/0X+`1P6>9?#R`AP2
M*;T84QE96+P0+9424N!%/KY3PI14SAZ>7`IRIDI"5O;)U+S0`IQ^UW23Q!IL
M'=]/U2(7^PU(.ED!.DS^[-*LI5`7XZ]<!0J`(:"TX*X@JO&];0:!8B%0BIW'
M(8("#'V1$`A>N?HY<'QOV2/-@/W9]C17?"UG&YYN'0U.BJVZ;&Q=D';HU7^.
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M</1DVE`S\#F.!\N8ZN;+>F'LFSOUH](>K,D\.N4T.JD>+[Z5F:^+40Z]K#PI
M6&R;Z>;HF3-*<7]1N`S=%*45ZH:,EX5B%7+NJJ"83!SS*-)7U02]/&1R)P%U
M3;0@&G^B>UZ?.=TMBK`5:T0CNF>SE'I(Z:`(Z@IBF-XQ3EDX"8;IS0))#=FU
M)&.XNW,]SX;!G2^++I%<EY40'G8(2$ESD462>9&30MZ%92>:3L5O7@PKWY:'
MR*D4`)<3XV7GKM#V^MJK-0^??Z-JI&6>"]'%9Z)RX8J:)98Y-<02%\05-7,K
M\T+(K"^(*^G(9(H%PX1V0>%"W-O"L!B/O^@+P)/Q)P>O)2H4E?'XB[X1/!E_
MH>Y`+/XV-X$T)Z[^2NSHG>;,[PWK;7,9X);C.*U+PG!5#4M9CT,P-:F4@/QJ
M(RP6>E)2*6&^5(6PJRY22F6(MIEMQ]W<\[/_G>>H\9RJ7J,]BI#,NPOI%GU5
M?,@JM24E%>U\;-H#OEU"VM&V/N0424;B$2XD3DXA^)!ND0=JPYR>S(*/2WO0
MJ4Y&.R^$+!V9Y7Y\"Y;Z+CTN[(5=9F$?)SCUGC'TA$PDP:,YVKF/H;WHF*]P
M?9_PAO2P7XN6NE(/W@5ZB)+<V"E2)ZH0YA`6R@Z=';XB*_3U1&/S'WX[U7'&
M!IKCME;P7C<U<X+6]B&<0/T55_-RQJ2FU_JF9\)H[-9YAPK^\&^U;O7OQC\'
M;3!W%P88/-UV.W?@JEJK_1#O:K76N`7^?!@_=@&2']B>'=",6JW=NP)7<]==
MWM1J;V]OUV_BM66_U,;#VCL>B\>=_8]5=Z?G]=2=7H'M#=J[%VBCS\!Q/PSX
M[>JQTZO^Z+3&#S=`Y>K+]]_!N/WGN-KL=K[W;L`$XGW&U>[UW,ACLMW]"[J#
M8T:-0.JMK1O>]WOCZJCSO^T;P'-+U()\<=]\['1_WH"QOH`.Z,$W,+06FEGQ
MOJB`$;3UF=_V7\UAI]D;WP#3LA&F?@?_:@_'G;MF=_U\K+GJL^6ZUL)G;3QL
M]D;W_>$C[F1"?Z`?[<[WAYUQ!LU6J]/[7KWMC\=]U%3<D#<:_^RVMPUWF37@
MS-UV'?<'?K_U-]WV/7H$X?2Q.?S>05VJ@K1T\5?>U^N60X\:\AUY0J?7:O?(
M-^\(D=`PG*6&@?SMBO/^7FK3Z?KO-WWJSK]=H:FU(WA[^Q'?+H\',+]=B:3%
M?VN+Y>_FL[/T+EMWI[MM?67Y*.$%#))(,=_VAZWV<".Z!9SJJX4O["/H`M^?
MQN/V<(W;*+*^$@NU7>W9(9SMS*0ZQDPD<WN`?[:,:1B*NYU>N_JP-RM\-N,+
M6CDJY_QDF480`2T_&QI:+G@T%QW+T*='!>41'"ZJK6X%E;#40BO.XAG:0.0K
M`*\99Z)CINU$VO9F\MW3<(C,-1-9?)&)W);ZZO:CW`"MYL\16AA'8]!Z:C.1
MQA>I$B[2.A-I:I$V.":[M+(;]\?-+I-<:LEU^VCCPL26?K*"9J\%1N-.MPN:
M=W?#)[318DY8_NH/X3J$QW"U1E#^V:7^M=,#XX?^TPCI=?1;M"K7Q-XV[_[Y
M?=A_ZK6J=_UN?W@#[)?G7P5.J@BR7$'__^TJA,5(@>[O[OG/>_8J_LX;]LY:
M+*`]T37C%#69ZLD8Q?O/_64G[.2XMF6^X+]^(<_=_GV8C-B/MO67^<ZSMV/S
M`E?A.2&?)_YXZ(S;U=&@>4?"/F^VMCPF@4%[>(=47[3HF=)WGU5EZF;J9NIF
MZF;J9NIFZCXK=3.'[0LJ_?3G>-P]Y-M<=R&EC2,P+,UT@(-SW>`4/'\`G`\'
M(#ES]!7P&N.1V;$I\5Q%X1LGCU"FX+0*EE6FW$M5[NFO+$RU*56K\#)3[J4J
MEZ]P*ML$7*QZ)9ZO*`V>*?A2%7SZZ^Y)OA4<;C=P55S;X45[83NYO#`IB'Q%
ME;B31R93<%H%5P21.0T7JUY%97/W8I6+''Z)Q6$N5KUBI2&Q&.K%JE<0Y8I2
M9PJ^6`5?SGXNW1NZP&%E,LCN8>5D;_!,9[6`=@X0.496>>`]=KJ;$KB3D''8
M-Y$K=4XJ<`8D42-5X\?P10-?HLBPQ;!5#+:$(C=5#%M?&EM%.H4,6E\:6DJ1
MH3Z&K2^-+>S.*\R=9_ABRV+9[\9#V1$1.U-K]6S`9'&5L>7FDDU[E*@3FR:'
M2*-\TC\1;0<GCZK6*X)2Y,F^1.HMWSPSX-$!GE!1A2(/#S#8,=B%;70:U`,T
M#'1?'71\15&8K6.PHPP[N<+5BSSSS6#'8!>VI:B+%5%2&/`8\.@"CWH@*'_(
M[4:":J1D^_;/`X7DHQ#%BKZ?0M'WA%/Y_*JD,Q88"XP%QL+IL'"BY62S>W&Y
M^X^G5T/XP+T-PIGHF&D[D;;9O0TI1<;N;6#W-IR^2-F]#>EEQ^YMR"8Y=F]#
MQLG*[FV@HGYV;T-4\MX7NK?AEY01ZP/1<9X3*JHJYQD&9VG!5%1793H[.YWY
MY328TLY):6RBG9_.V$0[0Z419Z0N?`KB,M6=O.I.T$:RZP%.#W1%%<81U4:E
M+DJG!T*FPS.V($QYL2>@4)$E%D0X8PTV_.Q^IKZS5!\0*S+')N!9:Q`?B1<;
M3(?GJ\,3]&%.\H4-*ZF?K_/%(\O!L?7[G'4H5@2):?",-2AR(E/?^:I/E7BF
MOO-5'T">2YW%_\Y9@P*O5F2FPW/6X1GO?U@)>BKP/.^:@LA"B6JN?@(K2_G5
M(*0P^##XI(:/F.LFD\'GB\$G5P>-H>>+H4?*]>44@\\7@P_RGB4AUQ@W@]`7
M@]`9KE^L;OMEU[I+>XXZ;3D[E1<K0KUX,\I*)5XD?!!XY.)#$`P\%PD>H=(0
MZ@P\##QIP,-75*[XV#D#ST6"1ZW4Z[D>;V;@^4+@$?@*KS#X,/BD@D_Q08?R
M:H2C,=OF]-[67A8("MOJ[7N-UG_\H[9RJB^:MKP9:([;6L%[W=1,7/-Z""=0
M?\6/<<;XOV,DAUO#FOSUQW_^!P#_V';[P(]Q[BV[CP2,>KNZ9?9GC_X9\"[.
MCGV`QA0U&&D&!/KTVU723M>2+$O7W/8?7./(Q)H9PMFWJYEM+:H"QXM5CL?_
MNI;W%R]41?Y37]Q[9>I>UZ=1ZPI,X41?:(;S[:HJ7OVA<'5!X3AN5S3)R"U)
M0O)Q"0E[$A*V$I*32$A5E'K]'"6D')<0OR<A?BLA)8F$Y+HB<<5(:&!;$PBG
MSCTB^!Y.H:T9#]:"]+_5S+]&+IJB00'%Z4-UCE5E45$/R2<.M:6(A]H$J_(J
M+YR=>*C-KBHO2L6+A\S(ICGM0LV!3I10]EM2G4@"ASHTXLABG\C")4!MK@BB
MH-3E$Y0`M>G`2ZJWW.0E@2%<KNS)'+7ISW"A$\L,M0L'FGD8%AN">,V+2H9)
M\'F(2"D@FWE(!@<H+5``<DP!1,Z!9`*0)/[@DDI?`$I,`41.@60"D.L'%X4L
M_+?_7NGN1Q3K7@NJ=C\NVCW2<N>3FG6/"^J"^*2X88B%W01L_M!L6T-?1S&Z
M;A,"W7='OS%UX]N5:Z]@ODA^7QBF<X,>\.UJ[KK+FUKM[>WM^DV\MNR7&A(#
M7_OSL3N:S.%"J^JFXVKF!%%0*X1K.3'7:7%]2EQ3@W5=..B9A=%6$+`_+R-9
MT7UL83HE98>Y(EEQ?D[\E^")Y`+[_JREO^I3:$Z=0RY8>!.JCHBLA,=*PTDK
M@-,SM>"9>%82\YS6G)\.SR5L*4\`VV=NNC.B/!7WF>QX4=P/;#B#M@VGA+NF
M.?6^@*A[I$B.]:,<;`R/-":@MU1!4=NUUH7PUV/G(BAZH4M.#@]<GHND2EB5
MSG\64@^-GO]\I+Z%*6YFCJWFY.^5;L/FJZ8;^&B)_\I[A$NHZZX>>-$2HWU)
M,U&L'WCQ%(-DJK(I8<H)G!H>N#TUV90PMT3NP"O;(F73@L]N4OG@/G2C"0AU
MJ:<4IK84\5#S*T6);Z1&3FGBH1=MED4Y_#5*/N+!Q[/&UJ/FXBX?Q\S.H=94
M)U2]<>"DS%$RJ<F"WKO$1OW(DE2Z+*A-%456PV-;666Q>XZQ8[Y"Q\6_ATLB
MO"W=]^@",:A1@@BGDHH8J$T-7I4:1^Q$B6*@N(!P18"A[\XA/H>UA+;[,3`T
MTT5[)?PJ?WE8&M%]J,X1D>/"MX(QB2U%.O3.'RK2D57E!*5#+\"G''B'DDXZ
MT'1TRT0-O%Z6X]K018/@IK?0A#/==5JZ,S$L9V5O4U8\,:7LG/=<^\-/TFGU
M[\8_!VTP=Q<&&#S==CMWX*I:J_T0[VJUUK@%_GP8/W8!?\V!L8VLCHX3!C2C
M5FOWKD#(VXGQL/:.Q^)Q9_]CU=WI>3UUIU=@FQ"TFP^$/J\3H!X[O:J?_Z5R
M=9P!=B2];.1JMKN?;T1^F@OK(<D`XV&S-[KO#Q]QYI2Y4[QDG3@E;JJ7[.1*
M;9N-^X,;(*\O3O=N3"<E3VJ\L'3!6%\@CZL'W\#06FAFQ?NB`D;0UF?!2BD2
M9NNQ.?S>08\A55/6OP^]N]<_5U+9U%'AI>NP&^?;CX-N_V>[#6[;O?9]9PP&
M7<0OR;6:"UN9R/G+1-S*I`1Q#-J]4:??\]B]\?B5-_PN+X1=@5N^^V5TYA#?
M_KC4S`\PUQR@85:P0;#UYY5KV1_(`LYT$U\%Z=D4L/0,#U@BXX9,QRLBR7P!
MFF$`N%@:U@=$E+_-+?!FV7\!S44\:XX+^`JRFV!NK6P'C6"##ZC9U^3I2S3=
M](F^)(=@G#D>:*Z]0D0)]D?0@W4\1=%']`$@4Z?;0)M,[-4.2=H,M0`S'?6:
MK5!_/+@#K!EPH/VJ3Z#W(+\U^<'%#\8,:#;Z07/08*NE1<;?L$$FPW^)C=^=
M3P,"S9P"1"2R$OBSN<*WQ6BVB23A@)EEDW'F^LL<DTWH0B+%=VJZY#/:J9M3
MS?:'G:Z(!'$7)&DTD@M-\A,6E&Y-\7,]FLAZ!]JS&9R0@?Y'0T]&*N(K`!OI
M"AECK4T==2&+`>)-`XXU0Y38$/X;XO&P&"(5BYE`2*BBU1!]M='L-6CN#;6`
M^+90=X[T3!#PKCLN9F8+!8W(K04G</&,E"1ZM`K@34?MT6JE(:UZBHTF"*$1
M8+9,-"E""$/2QO>5>D@(R,5[EFD!PS)?T,_/'NC6./CTV/7C\!MQJ$V][L]8
M;OAUP!1LU]DMIE;F%(V,.D)SCM^B3X'$\?\$2]MZL;7%]=X\"VA&7^@&4G8:
M#06%``]`0]HG`+YC***!$?L.PB.B^`7U=BTPA\82\3==(8QC"M9/G"#WPL%Z
MFJW0#AIZR+T&`S*%'`>B'_%,6MK(6;)U`UN-9]>[1=:+'?RJFQ-C-<78>+H>
M(7)L9!96B$`\DYHOT)Q\[#2OH`?:2\O67(CTYF(8H6;/ECEU?JL`0R=V84+.
M5R"+C+R:O0<@(X+L!1;B_[/WI+UM*TE^7V#_0\.;``Y`R21U^NV\!RBVDGC6
M%RSYO<U^&;3$ML0)16IXV-'\^JUJDA(ER_(14N91F)F,)9'=74=75]?9F\$.
M`J%YSZ)$8&XI[,P>U]=>9O?<0G$"3/RAW0@E%<YG>C#5S)2(<D`Z?TQ*CH1T
M"!$`"YL!<F#_W@$S``@XA#=U7+\&/#F#7>]-F0!-\!ZW?\A=;B"UQY`Z=XYE
M.0]2F(YA'!>[\<K$:&]32AG<Y\A:Z+B2/7HY[B%#`+4,'-J'S6!('E\\L?\:
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MQCUEI_V3_L5G@`I.C((0FDC^*I*'VQF5`<+7J_"ETWY(G[Y;H-X"XW:Z[5CY
M(Q%W>';)AM^N;@>]R]/!I]V4S$DSVI-OO<NO?7:VU&79U6<8LC<$]59JM2.7
M'25`R!>AB]$8[)7[ACJ]$4$+T/WM-5(F\ADQ9V29$UG."0TB(S$Q;;1KHA4!
MK3Y5X$CX[/FN8T]6Q?Q6GU/FTK6Y]&.EVVRF,R%)H=?0_*TE&Y^J0]U2.FJJ
MS6@*UNOA-9)G$#E5T,A<`5;+[,!;$R58S+I!DJ0\Y-64UG$.&[CG1X$YB_W$
M)$=2E2-:]YCD2'G(JREZ(X<]S'.IF?26CMC#"3?M3\QR/(]X+R71<MAI=3Z1
M:"D/>76EVWUD'']_"F:KHCS7I.\--AB/S;EII,`.U.4QFRZ/&W(,[EH--4M)
M1FU$*\9@P%*M3JI:VMM8Z%-NU;@,Q.Z&Z5O81HI&;]HI^Q#%#571FUE>5TD2
M5XR_$BZ90K%0?NQRJ_`%3*IAO<&@'T7C4MQ""E?J0KBYB:`E(V@NS75?N.F&
MR1RHN,V3R2D5C638BQU/UY1&NTN&O/+05^LJ6E?-'PGSH]1(SP`F,/J!:[,X
M)R^4-L1X*0F6AM)MJ217RD->7=':!780[%69Z8=9O2Y;9N.;CDVR)36E1>FJ
M)%M*1%Y=::N54UG(^5@]B^2Z'"/G(S$8.1\+['S<:;0B'V01-LR&9ME6]&Z6
MYC`2R!7CKX2!M5`L]`ZZ;P-@,)Q@9(E72F$LX(7S<C_P'M5YDM#55G^&U;[N
MY#M9[9LD)#G;.$\M;<\IE:]:V],*=$,Y;FM[5Z!?CL-]"^Q2,=Y;\SK?REN'
M7:79:>>`>WY)>3Z21<]6'Y^HK;N+.ZAL&I5-H[)I5#8MS<,C?S6AJ&Q:Y4A.
M9=/>B"\JFT9ET_::O'L!4P\'[/)JR+[WA^RF?W+U]1)0=\IZ`]9C)U<7UU>7
MJ!I??6&7\`!HRF=7IV<GR]+!)U>#(04JOY9&A8YK)8*6C*`Y"AF<.0'VN'#%
MV)G8YK]E:POL91',`HMCE7D'._E@:?JY*Z98>?]>R(H#LGN$Z<G6%22/*L6^
M1-"2$327JM*J(U?H>ZX"%UKO5>2QELY<)'1>0^YTZSL>INJ,W7/T2_::SK5K
M.NZR5Q:58TM1>!QJQU0RJ3S4/6P469+D*H[N4OB)QEDI%6JCB*9]1,QIJJ*I
MG0S%&D7,58R_M*;2T%K%8Z$"1<P-'9];66V!4L4@97+53"?X#22ONO]898I]
M*V7L&PA=O9UJTX,]<0^%OE'H6_'BQDH`0DXC0')HSLA?7,]FZ!NN=^F7I#"X
MLI.?PN#>B"\*@Z,PN+V&P9V<W%[<GO>&_5/J'UKUZ`,B:,D(6B"#82\1Z39Z
M5'&=+#K%MB3J':75;I,EL91\MV]+HMY6VND6"LR9)7&^9D=\9*[;:IE[B14.
M]>!0#A]I.D#WC'UQ77PWD9UBH]W+3'4ZVNHD5,.I8`\"22B,&K\7+I\(#"8,
M9G-9N)`%'LA]WV&&`/Z?F;;8<@C(FC>G8BQF(^&B[8#A!9-QV\`_=)C`Q4'9
MG6-9SH,GE=>C.=EGR3Z;0^-F"4#(J6DBAY>:_!F<*#6Y<B0GFRS99/-#W[W9
M9"/EO/>U7Q"3;(@4S$.&(6'9V!/I]N(:[;'4&*E:]CLB:,D(FI\LG%/3&V/&
M,7.Y+XCO4DK`:=9;ZL<,S9PD5O9,WF9]'VT#/F8E1_:JN`RXQ=T%\\;<(HF2
MED31Z]3DJ$S47=(S5P2D&&>RH1?/`$T@Y`&$G%K#<GA$Y<_&J6GD!Z@:S<D/
MD)8?@/"U$U\:R8\B^DVB,Z&`P>S+FJV#1T5;X]AV*MI:.9L[$90(2@3-,T'S
MXQ4;5*PJG?5>92XUI:,VR*Y=]%*73%-:QSOND42X_!*NT4BU!-9^CX*]WBO.
MD!N$YU?F6-B+9U-3M.XQ'0'E(:^FZ(U4&X,3!?=.0>UX#R5GBWL_Z/^<BS&F
M*+O"#UR;.7:R)SMQ7DI'PR%<#SHM*F5=(@(#2=NM5%O?;H?GU>6LB8:OH6&K
MFVKB=4HTS.6MH3=S7-_\MTQ=QI[Q<]GW8"$X-3_(Z-"@Y@<EHBZ0,X>2ANCW
M4OIU\K?Y\G./V#P;_`JVV-K/H="E,Z$\Q#W4]B!5Z$RH&/T*V=#H9M4GUJ;>
M1L7I/;-^/&E*H]/*\("BUD858R]-48]3]<$0!U6,@[KI)CQ39ZPMG0CGPC4=
MPQS#'W#M@TM?2H;`\M<:73\^\U7C5FFV]WZ64XG;<I:X572]B+VRB'ERP#R:
MTFD^RKTJ`/-0$0(J0E"\]'<"(0\@Y#2U-(>6XOPE#%,1@NK1G(H0O!%?5(2`
MBA"\.WVI",'3]KVKX3?`[<FWWN77_H#!^J_/>Y=8P[D_'#``8TN;O0&[Z9]<
M?;T$!)_B&]$05Q?7-_UO_<O!V9]]=GXU&."*J6[!*^A6Z*QH(B@1E`B:9X+F
M)YX0G4J'$V[:G]**_\@]YUGO5;K@4%>Z#9W""HN?`Z\KC<X>4I*(<&D3KJ&H
MQSFOHIR;^T@B4+`J1\.^<E0;E*-:*@(?IAX]1Q'F>Z=ARO%K>XXQS_ZJD#@/
MPHQ42D;-X'30J+)->6B[CTQ4HEYF24>4<Y1-SI%IFSYF'*65L4H1_?M(.>IF
M>#!1LDC%6"O=?$YB'V*?W+-/@5*-AHX/Q[.[.K5-FSG^5+APUYO-73'%[*-[
M(>V";"3N'%<PG_]DXNY.C"D?J>#Y2(=-1>NJ61HH*:FD2DDE#2W5TJ#$/-5A
M'EUI["&K.-N,I/W?TM,\]O&^/A*VN#/#*N:,VP;I`M71!32EHV7JK"1Q7AUQ
MWE!:S>QO;L0\I62>IJ*6.CMYOI:;_"@%>&NV[TLR>S'G(CSYCS0=H'LF9WE=
M86@B-\6)P"]+_]4Q_S?4)Z:""<\W9]R/+/]224`-XK$'F8'FP$"O8`;H&C8\
M'VL=<:D362_?GW*?/9B6!3\S'A;#A&?O7&?&^'@<S`)+3O:DAF+:OB.7LBRE
MLJ;=./<B7(4-[!/67.:@T'S0%+7;4E155=B'0^T8__JD@*KD85E_&-Q:U"5!
MYR4GYX/`#2F,&@=$\8E`'TXPFV,!4H\%'F`>T&L(D&8S(.(.1,?41A1[3-@&
MO'HJQF(V`@(T-(5ABI_\5Y<,@QE9,+N+,\++EN4\>+]MH)SR^RF_/S^9Y01"
M'D#(:=;FKVMQ%<C%I?S^ZM&<\OO?B"_*[Z?\_G>G[_[R^Z/;=^]KOR#I_2%6
MX`SKP9"P;,SLO[VXEFG\\B)#"?JOP'RATW^)H$10(FB>"9J?K)M3TQL[@>TS
ME_N"^"ZE+)MF754_R@DHT:84Y&W6.WMH2O^1*)@9!5MU/8\4S.5=@KI)[^64
MZ-:CX#,Z)$I!W24]B8!$P#)>%F[@CH!=03'N0=A>V"74M,>NX!Y='M(Z%O1Z
MBXZ%$E%W24\B(!$PFV.A>G%_)W`$<7O!IMP+8\3@M@(WE.Y'9H',K&&`&!,[
MKS%U&,?T$@%F[`'&&G$,,@OFCBW#Q_!Y28+_:AS_M\?@!=]QS3&WX-B[%YX_
M@VV`$6AWZ'BRQR(,\.-R$<(-EQ$&J.&YJ;6B>#0X0$<R"/'!]*?;)DJ,[HS^
M&<8`X@@C;N$T!INXS@.\BJ%K<``[,U%G/<.0G;JY92T4&'0=.&YYCGS4G3MH
MZX,?F<_=B9`(XK!<&3,G_A68_H)Y8ARX,!H\!K/R^=QU?LHX2VO!VNI'_#*)
M2LETJT"Y::LD/+?4?!*ULL.HP&FKY!ML@R%GH.(%KI`<::`:"-SU*)XRVE(;
MKTH>`?ZSG#$/`SFY__C=.`I35]AH$;T#SXN)XRYDC"S%95)<YDOB.MX[(K`$
M(.0T5"6'&FR.`Y`HP.T7`]QRN@L*M1^R#]CJI!>OE;T!36J0[*0W['^]NOE.
M85EIV<\*$?1!!"T907/INSWA7F@6&.,?>)V_YQ:P#KEMT[+/URBRISRTK65/
MO,QB0O80'>C,,,%Z')H%34%")"TAHI&+KSRTU7<D1Y%RDI`G%X$?<(O=!;;A
M'?6'7TB>I"5/.E37OSRT;>^PW>5=GF2OE)PA']@\='629I*V)&F3("D-::NL
MEZ398.(DCII@(P=4EQ38@BJW[Z.G1"M#649-`2K&6KL\JGEEGUPU!="?KPZ<
M%?N7JC)F-AO@U;5[M6QS7*GV:@4Y3,M%.?9?LMA7+Q9[QO_IN'&P9APR+`.#
ML<*[OXK63@2%7D=55Z_#*&)\159#%;8AHSWGKO!PYQCQ$&'LIVE/F,1OG?7"
M&?!A3TQ<,9&%64<+^;0E[H6%@^*'>VX%<:[2/(!W,.HZ'I:;KGQ`L*DI7.Z.
MIPLL*@MSF-XT'+`W.('3:6Z.65=76>";EBP*ZSMQ5&QBE,U0:(I-S5UL:EOM
M4FQJ84'(:51>#DU4^8NU#&/UJ-YFA4A.X<AOQ!>%(Q<Y'/GLD@V_7=T.>I>G
M!:D?>2XU9HUBDM/QO!0DA)4(6C*"[M--O]N>6^5`Y+?V+GJW&%62&^6GV3NI
M';NE!$489U9&2.E$_<PHEJ<4Y&TJG4:J#>K*IG%08&"V*0M*L],E@5(:\C8:
M[?R1+Y=*"J4M9*:DJ*"E-$FHE(>^6D-IM0LL6++/7P@MK3I96BMEF"."EHR@
M.4UD>,8H2XD,!8DVW[Q[-71*9B#V2HV]=*732+4?2@7S&7:K>3*?(1E?NEXS
M-ZN]4:XX]#4A^"$=`9A.]H/>5O1NEN8PRG]X/[Y[JR_PK:REP_G>[A:0>ZJ;
M^/!D>`.;\0466K<"0[#`#BNYB^BYJ'Z[QSA6B`_+O\\`!0MXR_TA?#9+F!H5
MYKLRP6#!1J9EP6?'98X_Q0KS8?)#&*]F+9;)%YB7P+U':ZH_]K.N+7/LS&`5
M./S<%7?"=06RGC/^`7..L:0]?'9D'7GX0O*MAP\_<-?E,+Q<6._TQD,^&T]E
M3H;O<@/?@O/.7K#;^J`>UY8/(:T_MJJN+0G?"E]0V)WY4\1U[I5E#7P%ODDX
M?.0B)I8#/R>QB-^*G^.IK'`?+4I^'TZ$"24XU=QUYJXI8'GR1^`=/EFEDPS=
MP//C+)8ZZTV$/=[$X1+,"2+,EI72.3ZXK*:_P+5(RM5&(!@0Q]$/=1C;LJ(R
M_XG:_Q(W:[-L1PF,N^P,,-XYTBZP-BZ'CZ`;K_V.D]J._RCCI7Q;'7.<$JB$
MXQYWVR+1F0$[)\@N#E%6D]3SL/]"3!94_K:T;)#E\E?#>$+\\#"OR$`3H3.'
M]P'A_AUHT(Z<@X_'8A[F"LD,)YDW!2SDXKK"0>'UB9`R8ME;PIGC*""*D+ME
MIM;<1-T4VSJ(L2GW3UU"^71[B<0J04(@@R%TKK`X?F?)O0I#QN".A/\@A!UO
M>1PGR;$)='K,"U!D>`#TR$\TG@A7M&H;\.R8D4Q$KKWG*#/A&1"NAI`L:V".
M&"PL\)?]-IB_F&,O#UA]V`E#@B0%!:`UFB:YTG@%+?6CG#[JA+$<;ZVQR$QP
M&X@YY?[&,N,S(SGR:B6)7ANL">,#-[2>G$:L.`W;>TC&\)UH9,R<ZPUN_HRE
MNQ3H+)CC$X`8#I,$LU6FG+::)3J+EM>6C9G9X;8&#O!OO;EMH>P!S@^V/`>W
MK>K3JAD+GH'F3P0)I;MMA(EVL*\PSTYB$YE;A+L+!N3&`G>DX#.Y%Q"Q=ZXS
M`QA\8"20[FMH=D+Q/A*VN#-]-N<+^4/Y&YB<]`;?V)?SJ[^JTK\D;A`4)9*B
MA)+M@+PE$P$'VKYK@D1`Z0*L,4+.-^0.PI]E:BIP*S!W$X2I9>$#ZZUP/NAU
M%=C5LE""EIZ'^H/AV45OV#]E7VZ'MS=]]KE_V?]R-H0AOE_`HU5AK54J\J8<
M42(%.#HB0=CX@<Q/=N_-,>AIV*QJ'JJ:P$"*5)277:I"#IQSTZ`D8DHBKDH&
M[B]FU3V3J(:YIK_ET16;U\S#9V5\MMQ`:8G9I"4V4DQ+S#Y"!C6N/-(MUQDG
M3%>:S1UH*WV<Q"LY;(?WLS0<EE6$CJ[HZ;HKBN`=?B5_[8B!)/YZEK\ZK2K7
MKGTEJW6(U7Z!U;KJ<7%9;2^B;(>H)_YZ7BMKY+Q[?&Y$V7?9'!T8[GBU\-KJ
M3UW5<UE%J""<J`$5TRVON=\8DO(9U)NJ=OCCDVPN7Q'3>>R5F7'3]N%_Z,1#
MQ[%Y9PHCQD?HFT4O#9?]WJ73>LY=WQR;\\@7O%@.)69SRUD(=!C?VH9PE^Y'
M9?63=`H+:9+'JIW\AV#WCA7`$MR%@BXBG_]<<P=YD1/(E#YW)T#G86C:3Y0S
M#9U",^[#UT`4-N76'0:\R+JBINOY3)?^T#4_TZ;_%3VO'^MKR)&^W.5+L/K0
MK>IQB\ORJHB.P,;!9M(%BTMSI"\A*FJ*T-=9_^XN\MC_G=L!>L27GEJ<Q0:2
M`R_5PI%6J'+%6.!+'*?%!T0<3K(&![JQ82Y/O#^6VR_"<N,C1K@D)X^B8.)Y
MQE,,`I!^&&>.00/R(>F\_M#0.XJJJA+J#WHG_!!'?2SDL17ZJA^YQ>4K6,]-
M`<QZ\Q"5UB*D^)/1P7'<C<<^=%5=S@9+PATC*^`ZR[JV2__\XQ*[:VY_7$48
M[G.]BO!:QEI$NPT@G0IK&1X4KF>+J[_\(3_]GQAHLZ0P'SGW8N7M`[Q@<%Z"
M=Z8<@_&89TYL$&5CCK%?AF'&I0A^SIVP3C#&\,#C81`??.G78%>8KI"!14[T
M5;BAY%?1E(\"%.!\[=O&%Y=/\+%5L/3:@1E_^-M1X-4FG,]_BZHN]VSC"E=P
M[6#D1#S_YVBN4],;6W*]0]``/EO`/G_\YW\P]K?E*#$'#9"U3LU[TP#FO^&^
MN!8N:E1\`J+(^/W@)0_6FVVU4V^I>JO>TCJ-NAK^YT#N9YC_1MS]?H`1'37@
M/*VF=FKPK^]$G[KP*1Q!W38&QCS)`>8`S0$SQ-B<@73]_4`_^`,>:"4P\X*E
M9HJ%5JM9;[2[G2[\VSENK4.S'1N-FJKA?T-L-&J:7FMHX4CJKK$*B)5.BEAY
M8JQGL'*</ZQTU0B21J.KUYN-=@*FM^%F]XC/8$C+-8:`S"EC:,N(!=Q9QVGS
MT.X1B\=#"7A2XJ'=(SZ#H4Z.,(3G[A8JO_'\?G*D_?',N?FOP#2DYA_^(#"8
M^3%"MCZ'%%;KB?^LXX![->=N@R'6'E\#]79P^@_0^/_AP:5D#6;UX`\-K@-/
MP;QU99F"K+T`9'T%LI93D/^4EZD7PBT?#@GXC.;Z%-5W*:N`B"3XM<;!'SHB
MX+4XD*O<A8A+YYJ[3P&^^G$_C!UNYB<A7"TG)8BRY]M4(!K@J%XO\*=1>M=C
MN#8?295>$BIO8SOJN[EQ<T$9P)<:]?8#WYGG!3M@"W_>`]UVR='D4E*$*&-*
MI0?15>![/K=E2N!38"6>R06U$NO)!,!W)]X+`5Q:JK8`MOPM5L&?`.A%ZGOR
M[3\B2]SIU<GP^W6?3?V9Q:YO/Y^?G;"#VM'17XV3HZ/3X2G[WV_#BW,&R&%#
ME]M>9!8\.NI?'K"#J>_/?SLZ>GAXJ#\TZHX[.1K>'/W$L31\.?JSYB?>K!N^
M<9`HD9`T^B5R!2[.+FN1;[*C=M$<^HSK<^!SUU\W*H:>-SU]`V]K9>#%B-?W
M<+]IG?JVB.'KF_Z7_LU-_Y0-AE<G_Q,ZYO02NR$'G\^_5,#_>&6S7C!!%X@6
M^C'@7[A1>@%:ZR.7R@#3Z=GGP#-MX7GL7(32\@LF#1XBGCZMV_W-\!1$[XJ'
M7!P-<SN`G1ZE[NN:=-^$`A"]-:;O`72VZ;CLTK%K)\$L"+-H&5Q2YT)FKJ^<
M-%*$A>B`U_NPBOBOC6<^K;P5DZ@=(F:UCX4PY+0?=&V9JB:=3PA.F$:Y]-+A
M"Q.7SY@W=VS/<5>IXDF(I+,(+AA.`*("EN))I(UBI%D1TD9R.+B"XX<XYQ@0
MM/+WHH<J3$L><?N'A[ZF.W[ON#*/";-VHR17$YXQX669[X^9K3*C-_(!/H4/
MZ9,98;IN]+J%B?@^3M+ZB-XTH)H=S"3MT'$YPASA,<(8^@#A;<MYP/_3DH^;
MRT1N?PIKF0+5PR:4,Q'ZBU;@.8GS=A-'#DCS=:]O(.>=)H@F\UAW@ABQWQ:N
M@Z]<`=P]!BS(+.KM?)A<8J+T0_@,?'%O.H%G+79,%"Q][L/>S34[B>A\'4]]
M'7)4^5V&P^=X$9VIRYUIK2[L$>)%5"9@,\-TN6LEI\;<A;G2``N@7EOB'+D/
MAD=IXN!>#MRYX\5["';._[-WM<V)X]CZ^ZW:_Z#*G:E*5QGB=T-V>ZI((-/,
MYJV!S$S?;PZ(Q#O&9FS3Z>ROOY)L@S'&V&`[,FAV:C8DMM!YU9&.SG-F;I@L
MWCI/WV`C@`9^82-^#U\%&*]\U20X7',)Q`>>EX.^PL2F[!K!=X;/$'OUJQ^Q
M)84'C<%DHJS09_@6`$<,<FHNQL@9(F:]O1JXL#W=$M9T^9E8\0)Y,>!#?RQ;
MT2[KW<]6AIKLP,[`^=E7Y"3//H5.\`IY*=\JL>WHWR'V?ZL1\</8O4`=7U68
M!FUK%T[('$#894*=3-&_HO#;PH)`XLEZQ(-S_,K9%9J\B::"OEAW@VI3]S)F
M0#37A'IV>#GL=`I"I99\7`6A1SGMY&NO&[.VYTGW7&FMV>SV?^\CA>WB&Y?]
MAR[HW-\_H6'^K]?]`*D!%!SYDQ//POUIO2MD8P2M<W<)X+T4PJ`SZAVEVI&I
M7?60)[U'7K,V#H%*-B)%2>#A06JRA6&Q+6_MQ+9EP/B=Q*,A3&GR/U>A%^MW
M@E.*[>K%OHV[JL="F-`,P,`^1#]VE^/7A(TW\-DA=&E<MB+=FM`5JH<6J(>[
M(%O%<\&'>0@^5J$X2PZWCHO#`SB!,X*!>BP4M6.Z(F;6E;0RK;43!YI.]]:.
M`HH_`!!X_N>S!&O:.'1),*\MYR+9CD#6@DS,EB1C#34S.*W,L;'')YQ;2OU"
M[[)3Z99O7`4(FK'5A1QMQEVSGVE9.T-<PO#YB)JX9L7_O6'Y,*(^>F?D]&_M
MR"]R]A@``J/WR*E=B.PYA',OB!_X2/V.?_CGG\HU<Q@&LX73L04QORV\&!:I
MYT)Z&E\U,RD_>AF&2@W.VS]_6N6I\FCI\>5B^M:R_"K,6>GSN6F,B3VN<17C
M#KMCQWC&+,5E7AQB<40P29X*)RJ0*);CA%F2"1F/X-/JT^#`/QBF,W<,,Q@$
M"=>8@C=2_F?Z>+U^WA'@9,%Z.F&,LX/.*O46>B$.OQ\JA(.QBH.'T%S6TC%A
M-A9]!YHB`:N&)/7"-Y6?DU(PI*JP"3HD6;3I#^-U;Y/E["<D*T)F36HO?4)(
MLAC-;3$.TIOK.HV>Q.6OG?'8=O`\S7?\!09)NJZ4'E_3,:P%S@$Y]N+E=6.M
M./[T8@<GC3%8O1M)X6Y-ASD05UA'4V)$87!:S;()7FDD@8<+7I'BA?6B>'2<
MUL:%Q>?(U9*WWF`TGTP2C1,(9Z2:<36?Z##^G82)#\*,'PNS8&A>?I%OQ`(F
M<&SB)+KN6]-Z=C$U\4=@P(-LI84B;)*6A^&7N1&P5A(@X"]<.$B_(RZ"BR2Q
M,Z5)E[RT+61AJ7./<P2<$]XM.9G".^PE..`[DD@>EI`1?D>P3"`:=2=(GH9C
M!<GA\.+%F[W`E;T0KQLF,E=_]?#>(^L'CQ80]'+L19W,+IJG1%X,_H@V3_`K
MIQOV=.H2+CC+K=+NC+.?\@R^,ZS8`*/P;L79)S^5O/4!G/EU%P2<WK_T@#R-
M+]25&X_Y<"X>("*U(<6V[[YB$O?LHP_X_`T3NPG1(4[LKQP@[OR0$"P>LU_Z
MP[>$P!VDFZI'M,4S9D0+L9+Z346X())?J@U`JZ5_&P)'DMLO"H"YN7`Q=H"#
M;Z=@;/^%A0&45S;(194CB`,<&ZUQH9E,(6X08)(;2%A7EA<HBBJY3KZ+FG:9
M=5O]0BG%&'DK3786+.R<?9&%%\7,'JM,[P=NW@&O_68:'6MR;UO+SAH^,3L>
M2Y#,#]>XM`SS\YF'%/1@0?V8F99[B<;\G'!I6.1YX>+/N]OA^!6M_0W#P@O_
M&'WI18GDEBE*09;EN"1W3"E.J7^/[L:Q9S>^E7^Q9_#6UBU\D>?*=AP2&+@!
MP1F?+OH6>3H36IOZG'&>E3%#V<T,<8T9$8U0\C`CR;AI8X:ZFQG"&C.$%3/4
M7,PH@1>WQA3V<:<5[#D>;;1?Q@MYG`>)3U5J%9*B;B4]<7:ED1S3_11_?Z@I
M%.3\"Z-<S4WYOGI?..6/:$N*D<3,`0P;=SQ8V$Y<M)K<XDC>_0+-R8WM]%==
MO^*,V6>0:I<.6=7$[2YBG_E3RM+*%B"A)8JR<@HLK6P9$U0AS9L7R]+((-/A
MJ^UX(^C,NKCM7)QO6Y^LU(1%I=7>KFY;YU@Z`RHSN(;`TTA_==8AB$*A#!CJ
M)D26<T>:XWGO#]/.=]TP<58$F1#^XW"%"1AG28YW*[4269)X;2N3<LR:"K95
M9EM*NY6R@Z@;VRHS24429>EHV"8WI;8H-05)/<!2-X=(7]3X[>M]W?BG9.1?
MJLGFY%^+;Q\-_]2,_$NUW7S\4]JR6#'_<(@ZLL//>;BW[<UJ%UA9W!Z$9)[R
MA_.KLI554LBQ;=WY5=U1IE"^?N5V8M2$MX(@M-+9L[^7*IPKE=F8+&Z`!U'+
ME`H/4W9YGD.X0HY==A\YI3U<J>$0JTEG1O(L*V)$9;9".R.JLX^TG-DAC+BS
M'>]%?X'1M_%?MK!BV^.5FH?:YEOI&XGM$ZV0'Y59B29+2OS"`87\J.Z@HZW)
MZ<=J^_.#=)\80-WLN1XIWTAD0^RI2JVCW4X_Y-F876DD5Y?=4G<YQZI(KDS'
MM1U'>;M)GD+7)9B,-W`5':[]LN*S<''#9M=FLR<!U>V=6]J&%A9!0&4JA0C8
MV*VE$X`;.[T_FCJYS-;[>V',<<B1T(4G)"[S"PSPE`&>1H$^M^*=WO6'O2'H
MW'=![^M3__$.O49N,T=@3X_OYGH'(^KIYKMKD"J%N0-GA@O]"@886E4=X=?6
M^H">#@(;\E?'A<`6Q_DZ:A+6H2@.Q6_:@<^44"P<16<JK>GO40%9K62K^4A3
M(]#M7??NKA`UDL#51,!,U'L@#F8"5F+\BO)K`V&+V</A\DV@.H'&9+FES'S#
MM9WW[\'HR\/3$(7(PPV<AV04I:O.];]_'3P\W7<;UP^W#X-+X+P\GXN\S(F*
MPJ'__Y2$39'*S_7`2M@,EQK",M:_16$LC2+<ZYLWF\O_%-D-NIYC6R_XTT\^
M@-'R\_9I9/YJQWAYC7SW:FP!R;!5S/?]\:4_ZC6&CYUK$FF_.?I\%_V/O<$U
M$GG9C*=1Y#\5*]65'*D27%:G\O9J>+!43_(8;(Q/0+6R?.7AGD-4.$T1F>LX
M'OF*,B=+/'TBI#(RN5DXEN$M`L24Y4D;4[^"W$N+:PO,NQR1>#5.T5(`FFEW
M+OM%*+'=.1DDNCO/M1?"A8(^6-`,H[]`4C15@%[LFN3':>RNPXV*-#K/-+8[
M-%XJT9WED6&E[HXI5SG*I;8+C=2JT1\J([F130#B/#"V71:_%16_22JG:@H+
MX(Y'OI+$M?D:;P]IB.!<]Q*CQ/H-".$$3.#<@6,C0`-$&TE]9CN>\5\]$T(_
M6WWI".U$B5,4E45W3+^*TB]1Y`2^T-WRD05XB>1(B)R)O7@V83Z_?`\]\&S;
M?_FHX669171VE-G%MJE5G+',-;?M*4V)$X1VU=XX.PNK=L='I7?[IDWW52U!
MX+1VH8G5BK0G:Z.CX[L1'6U'CX)KVYG$`VWH@^_B^](_"4T-A*W),0+_LEL.
M^HM"?A-MA/T.=<<EK0;),SZ,O`/=.1SCKA3F>V%XV]GK(S*68OSJV*Z;7GQ!
M'O$AG"5>5)NRJ(G)11?;<)\37DLMUA+YC4KOE*F50*F0F=(8`G3M*.6;FBSM
M(=+-M])QD31E`YBF:I%F)#0FT9R$RJ3J[F,E*O%X^GM8Z<9KJ97W_$9]8?5&
MFHW0#2/-1:C:_G");BUS.[@E@J2JFS5]5<MQ-WG[`NU+4GL3%J%JZ8E26][#
M'A->2[7'MO#A+C8KI3%QYJ144[02*,7;_50ZT0-E6Z,@H3UJ-M+0;`HFK-2&
M%X+6SACI9">,0+:_9RPACCW,RH?W+1]6CF1KN+H#G%@C[!?%OBI'O"5^3*X*
MQOW>""#$)$Q_H[F[I!55M@Q5DQ1HX.9E8]UQC-4X3="-OH<?(-W52'-';+=Z
MT%<M;#4&70\Y$?R%"Q=.%R8PT79ZV7=M2U7SPL6]KO`#+C(4?&C3P.W*P`QZ
MK_8$O!G>*]#!JVY.&WCCCNW^.WJ/3/PI]C6+.9Z:Q`=;?+SQ?UX8YH0T4,%?
MZS\@1!]8Y^3",TSCOW#2W')3BSP4<(_0F3KY)6?6>OFMCAI(^SL\=2>18]$O
MYOR&<!"/B/O,89!MZ#3!G6X@9V#A3A/X$&.N&PYZ%M,Z,W#'1-WTEH+"<X^(
M,&RR%!&E[OKG*A-R*]9_P_![&DW*/A6)N?R,JTK&]82M)(>N)`P_@.$',/P`
MAA]09.*)OB)IAA]P,J)F^`%[\HOA!S#\`(8?P/`#V"UOAA_P\7>[&7Y`LC=A
M^`%,O@P_@.$'U$O]UMT+PP\X,O$R_`"&'W!:14`QA\;P`YAR%:=<##^`X0?0
MM<"ONSN&'W!L\F7X`0P_@*V^##^`Z5?Y^L7P`QA^`-5UW.L.D.$',/P`AA]`
ME?:DX`<4?7L[[[UM_^K^K3&%Z1>W5\_YMZ_3RX(S7=_>&.*71XG_EH'&U5Q*
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MGH&+4JE/`2)8D1NU]&4<%WMW=QS'4^7D2*3.:WQ3%-O*3KU/B=0WQT@%+1(V
MH!D^.)C-R(34D#8G$V2)+B:H69F0&MWF9$)#D%29*C80@]`*,(CX&.EL4`6:
M`M[`)+*P89=)Y&,#KVQ@?'V\461APRZCR,>&MDR7;Y";DLPKAQI%PACI>&\T
ML4#)RH)4@\C)`DFERRNH69F0:@XYF2"TZ&("6B$$[6!C2!@C%8*,KK!1R<J#
M].4A'P\$<0.J[*,7AVQ,2%\<\C*!*AZ@E4'55.G@I2%AD/0=!%VJH&1F0_KR
MD),-#56A*WI6,_,A?87(RP=9I<L_8K-HH9V0(AR4`4L:))4/;;J\@Y*9#3O,
M(B<;!,K40<W,AQUFD9,/HDK7=HJL%BWI<+/8'&37L1MUNXF,C-BU7N1C!&W'
M#&IF/NQ:+_+Q09(HC*-:+3E&0[9S^-3U8V-,VH_C@U5C'U[L6D1JR`MU7U[L
M6DAJR`MD(YJX8><'VTC"F/3S0MF7%^DV4DM>J/OR(MU&JN'%UX6.87#-]QL#
M0^`:NMFWIA@I"Y?.K$/#9GN4P</N"S0N%@^XK:P`MS$BVD>@C8M*,PE1;MB[
M[5V/>EWP]:DS&/4&M]_`]</]\.&VW^W@7]_T[SOWU_W.+4"?.^0J[:NXY-7Q
M89/C=EU3VS3M-X*'[4,%0X\@;'NO2(\<3S<LY`'TQ<3`-6]_A]:(S8M4GY!2
MN&EHFP!]UH$#7W1G$D)L!_W`?*CW>9(VI^DNPR^N#K]8Y5L,OYB1P$@X@`1*
M054I+)VG#RI74);8PF&$`'K(CW9K(F0F[ESB]DVYV[MN`DE@+,O.LF'O<81X
MEH(GP7@6Y]EO3_<]QK)<+$,A[_67!--DWK<.N.7!8KH&7,Z!WI_7R'G@2E@P
M_-(9],A&NQYXYGU,/70]W%G)GA4!-4`]&E$90`'9<`!X),\R,?<8`A5U,F]S
M+4%@(C\MD:NBQD1^6B+7>/JQH>N#2[>,2D@#2+<T!"0&#%8P\)S`J7R9&)L,
M=^[4U:O4:(JIUZFK%\]0,YEZE:=>*E][]:+R&`L#9AJG=Y154>,;I<TZ\AVQ
M>$6^3*_$Q/O!XN5%=@!YS.*5V<E3<2=/RXOJX'SLP(GA?<+71H%IZQ;ZCUM,
MOTX6;E<1;I\+',_SGVH?<#,%HU3!&DRUF&J5=%2@U/^@@"D7I<IU+BI'L"S6
MY1P*Z%/T&<RK""S9G@A_;+,#JV,6+SNP.FKQ:EQ+8P=61RM>9+WM4S^PRA51
MV%:#9;;*T46):ZGLIN81B[?=*O,Z!Q/OAXI7YGC6S_MXQ8N<LT"_]7YL?]D]
MDUQK,06[8EVOTSN!YS29W5)D^E6>?LE"F56*3+].7K]*O;+"].O4]4L5ZZ]?
M])Q`]?TTUC.<V@X,DUJ>_H-EK`K;ZXB<)K2IW^LP\>XI7H'3-(;[<,3B57B9
MB?=XQ2O7X!BYE@=1J]O6^"Y,P:$%"[>K"+=;6IE7;=A>[J252Y'+3,\RY3II
MY9*E,H,VIEPGKESUO\#_`55[$J)A8B^>3;C/O>N"+D?MG!EE)K)M:A4CI>6:
M6\INJR57#O&3G8-5.V:F=E6IG2A6GE1G:L?4CM<J#Q28VC&UXY4C\'94E@!>
MZ:XQ!E!W+,-Z<<$<.@#%I3/;`NZK[IS$Y?TR%#^37O--@56&G9C$2T5L9!*G
M4>+LUC^3.&T2I^>^5M<P%[A_Z4F'()7<#$"*R6YM';-T66AQS-*E?U%ATCUF
MZ5)Y?'&MNZ]@8GPW)M":N&`"QR8*&28LB"A151G<"9,NDRZ3+I,N;=*E_S0Y
M&D1<>/JS"5<?T3*^_(!^#J>:)ETR0OA@I+^N'S207]QT[OJWWR[!R)A!%]S#
M-S"P9[K%^;_@P!`ZQC1X]O?.H-^YC[3>W2V5T:!S/[QY&-SAERP8Z^H;CA.&
M-&&*25I.;SCZ=MM+[O7KMST.7QT]/`;OK<='A-*[SN#7/GJE(<IS#__*_W7X
MY,"?S68DQ<]_G"&FFKA?\-BP7CZ?\?[GN3Z9A)_?C(GW^OE,Y5L1QD=[/N<T
M*T',F].<P8FQF`4,+L[:8[VN&0F,A)))H+1M.H5+<"Y&[+H#NX-185/U)%9M
M-%,7>4$$7Y\Z`TQ/#_G1;DV$S,2=2]R^*7=[UTT@"8QEV5DV[#V.$,]XQK/L
M//OMZ;['6):+92CDO?Z28)K,^QXNXP2J$VA,EEW*S#<7T_/^/1A]>7@:=NZ[
M0P[T_KQ&S@-O)L'P2V?0`]W.J/.I%@?1RQ[@)P-Z^U.QAQEM+JS-I>K`@@EN
ME^`$GN/3EBXF.5HEATRNI3#!U4]PR.0$4:9/<O5IG+A<KAF>+.V5R@*GM=4B
M=9W5NI^<!K5:A8:63(-.3H/::J'K+=.@$],@D>/5&JYB5)ZU)+0M/($]1%FW
M2%H<WQ+IVTLP">:0H"`S"=99@AK7%E.2C$R"U$L0>5&%PN/K^IS(/%;1<9A%
MM^5$MXI2:`*`[8Y.3'_.PQ[)'ZI`GY@&U5>#%*9!3(,.TB!5+#096I$&U>6$
M!NA3]!G,JPCS3G43HG&*Q`X"ZBS!%B>QHYR:2U!F1SDUEZ#:DNB3(#V036L-
MF5G^Y4!UD[A62Z-/W9@$<TA0E=M,@K66H"91Z/*9!//8H%;C&[%4];E;6]_9
M!5G:#ZX$GI.T0KT7R[^<G@KQQ0:A3(5.4(54ID),A0Y2(4&HX35K>DYF^GZJ
MY1E.;0<6W:'X5+<6`L?+A5[=9IO#RB78YBG<'#()9I:@6'1\RB18N01%F<(C
MMEH>T*SNRN*[$P4O\RRZ+2>ZE81"T\)L=W1B^J.TV>Z:Z<_^^J,J%%QO9/I3
M7_TI%I[K&(YF=C:.S7]GMJ#+-,??KWA?2*5]6Q)K4OGND[6Z/DK5$3B)+S]V
M8\ISI,HC%WNGGRG/*2F/HM9QV:*RJ.E*=XWQ2?>I+1C&DF^RK$Q-Y<9@8^LI
M-Y;'9G*KQ=$*:R%/1]J6K='U%R!;K&LN0`J]/Q-@S05(Y1:;M7.O0AM9LQ8F
M0"9`)D`FP&,28-;6ZFC,GC6Y<?27&9)9,&K\H?##ORX6;N-%U^>77Q>Z@R1L
MOM\8EFZ-#=WL6U/<!]`S;&N$:+PR[?%?O_SC?P#X5_C.`(ZA\1U/Q;W1#>=W
MW5S`KN&.3=M=X/J4R>>S]$>:LJ(@;J_^AUL(6IBC`SC]?*:[#7O:$'E!:@AB
M0Q(V'L<O+"S#?_IIV#W#(84QTTWW\UE#.OM%E'C\SXK*].F40)V0@3IQ19V0
MASI)/(BZEX6I>[;S?JW/#4\W!_#OA>%`K#3NDS6!SI5N_658+\&#2`O<I1H$
MQ!\P`B96WLZ;J6//?,'S`O[7LV-J(,<8]4N@^MV'Z]&WQQYX]68F>'RZNNU?
M@[/&Q<4?TO7%17?4!7]^&=W=`L1G,')TRS7PM'3SXJ)W?P;.7CUO?GEQ\?;V
MUGR3FK;S<C$:7/S`8PGXY>#'AA=YLSGQ)F=@9691*T,_AU[CKG_?"-R?QK>P
M`]SA78<>LL=U*R9_>A7#(<D`HT'G?GCS,+B[#+J>A^%XF,*3EO%XQ`.M'AL]
M/%X")6P*ZG<#)4'\A2#./3`R9M`%]_`-#.R9;G'^+S@PA(XQC<?^,B;KKC/X
MM8^^ANP#PK\/_+ZBFWN#Y<Y`E)H1U[?\:=#[]>FV,WH8?`/7G<?^J'-+O->K
MN.3'O'AV2"MV5,<)D9__\%DQ>H7@VI[-=>L=&"YP%\__@6,/>#;XKCN&O7#!
MV+<WX$0,#NB3F6$9+H9UF(#G=^"A8:8062%Z\-DW1*"_0.3:H=L$Q#Z7`^D3
M-)(^?@<O"[0U,PT+D:I;$S*&LS1S,'7T&7RSG;](7<(<V2ABS-AV'#0_XSL$
M^AC;!$=>"RF8+5P/S"#T@#M'WFMJC)??&ODR[U7'M^.^VR8:!DW%\M`39,P9
MU+'S<H$]C8Y+5.1_I?8_T41=%WI($J:A/QLF,DLL%CS[,70\W;#0F]/&LVZB
M50VB[26>BN'!&7X13<4<8^H0RQ:$(Q%J]?'87J")(+[-'4S:&#-NE#B')2-G
M^!6?>6AOZ[J88.+Z`-K6`N2Z[:A`$:5F2.A_%I,77Y*!\)930<,]VPO,Z=D<
M*;6%B74,]R_P!G'0@H_$?8)M])H#IO_/WO7^)HXD[>\GW?_0BFZDC&3`OVU&
M.RL10F8Y)9`%9V?GHV,:\#O&9FV33.ZO?ZN-22`A!(A-VJ9N;[63B=WNKN>I
MZNKJJF[H*[Q4)3`'>&RF@@\E`#!^3&:3]?1Q;!\``.F!,!XE!T0?I,*`YJ<!
MC.?6@Q\&@]3ZP6(^<D*:_)"(++'R;`1+O6?@"L0=SD4<VS\I<`1D"Y9F;#/:
M0"N,0O`Y8"]X'H0.A^QGD-IZR(<+'P64']Y)1E!-+,.TQ(;AS[5Z02/F#+I`
M[,&2W!GC`'?J)[[*"SU/H5_15$83`'T.?$J593Z'K-6(G(*V,?V/Q\"7I('$
M&26WU`ON/R=J&B3?@E<L%_C8?OP\?('QMC+G+?1WH;H)>8=K'@=ZP!1(TP>K
MI)'8@7/P<R:W\*PB"83Y!4D#S).:VYZ+U.SU:$3#.S;\F(Z"T/T?':R,&`S`
M=^IY)/5?DM_/S<!>AF_%.#!YN/1N8=O\@/DW<[6!,80$?L4$FRA`X#BS,$PZ
M!X_>)YKAC&U_Q`""*0#>=+Q9-/]$`"VOC`A&<<]&X3R-8IT)?@[M'*4$CUL[
M8N^DXE_^JR40/9IBD?(`/KN>"8#2HWWP'@2V00CT\(,8%'U)IH]6B#4GO*+H
M,0C!9>Q*HX.,MO'#_!UR#UTPJKKZ*>FF437,3PD^SQ@!2C*=X^0]/#<22Q[:
M)G]LSO#TP:7;U.?1SN0O+AI7[<L?7]XR!\FS?S5Z[49GZ:+UMU>I+^S7RAWN
MBW;6&K5Y?ZT?EZWU-[N_9NA6+5<RTH7EJL@J*(`X_W<K-^\7^/=`TFAJ.S!?
M?3T1YS]/V522_GSO#N+QUQ-=-)<$OQ3$'NP89@#KO&/:WX0.7-",N8"SBWXX
M`1NW__5$.<$AX!!P"$<RA-4MN#4C6YI)3&8S-PYNQ>"S9?HZ*W[9[K0J?ZS,
M"NDPN0X,[R2(M^K;WA#4O,/K1?6$K3P'M]$GW0MRWFJVKLY@1`M_LR!((^8[
M86[,(6]:-VF8"26VE<3`+5U$YTCCO/7G3:/Y@_7\-B2U9!C7-[WK;K_51Z%N
M+U2K2\Y:Y'OK\G(A6^CC.;D!C[I'KGO=JVN+-+N]7JMIM?]J$6!MN]MAO_BK
MW8<_O9`UFJ@R<".=E:ZZ-QT+);:]Q'H-4`\4&%(,*<:-P)!BF5`,)_;W`[QF
MU&O&N!ZX#3U_N9X\;7>(]4?WIM_HG/<%TOJ[V0(_+L&U_WDSLA]9@6,E>P7I
M-@DYM0+28_N/WQ?[.(UD>^;SBM/?#/Q$`]CF*H\<R#H9#7Z.XC#P1^RG>878
MT\^O=V.?!+75;TFR*:AZ/9LO8@8B#QF(SP#6JK+Y"?$])J76#4%6#<2\K#IM
M5D415?JH5-I4!5'#:;JT*BV)A=#I#RH,E#<N,!H3&KI]&MZ1Q_(#PK+'D9R9
MD5,11!&M3WD!EJL*PEM:>'5=T-(R<\2WA/B:BYI#1+>,Z"J"E)[RB?B6$%])
M+(+Z<K2?P$H*)-Q0X("YDB'4-0PTEA=@M2HJ"&]9X54409=5Q+>L^*I%<"P0
MW3W1U41!3>\=07Q+B*]>!.W%#8%CI&9=%O3TQDJ>R8GX[KVPJTKH%Y867O#[
M90W7=:7%%_W^4J-;%TP#=VM+BV^I_/X/V0YHI(<-X48`;@0@P!DM"%0,-946
M7E5B01G$M[3X%L&E0'3WW0B0!$U$ZUQ>?(N@O;@1<(S4Q(V`DN-;E3%.7%IT
M55&0,/^GQ/@6P7%`=/=U"T%[-73[RXMO$;1WVXO%\*Q\/"N?G\.U<0@X!!Q"
M:8;`Z2F&'#I"_!U.N?&L?+D@2"/F.V&.9^7O)S$\*Q_/RD<3A:=,<RPQ/,@<
M*884XTM@2+%,*(83.YZ5CV?E?_CFRW^RW7.19%G0S!>7\GW\SDH)H<MKWTS2
MJO47H:+L$?R$$&:M?;H$RF>B\A58^1X/GT3=*Y;N&;I0-S74O0+KWM/1D7PI
M'R:#'PO_),$P=;0A1<90J2HJ(EA@!,&)%O4#3`,(8<&=:`0P-P#!F59D=*:+
M#.&!G.F\?&D\>+W4Y)1DH2ZAIUUH#-6J;B""!490$06CCHNE(D.H<CG)(X#;
M`Z@+4EU""`L,H<ZE#F+0^CC85Y<!-@[YAQ!N[TG+51&S!HJ,('C2FH)*6&0(
MT9,N.H`:K&8Q9EUD"(OM2>/AX.5D)0:KRX!A5<5(9Y$15.J":B"$18807>RB
M`U@7%!6+BXH,H<:E#F*P^CC8A\'JXD-8U3#(4F0`%5/0<35;:`C1D2XZ@*8@
MZW6$L,`0\N](;SK`>KKH:/+9%Z=$KST0^GD/UQW^S$Y$F4>Q:Y(\C=\ZUGK5
M'5<9Y(NSHK<[(5IF1T0GH^KZY+\S[X'(R5&;BD#B,25G@1T.2#`DWX([&OI!
M&+$?V&\NZ("&X-#W:`0>/B7]ARBF$V)/IR$\.B!#</D]$LX\Z'X\MF,2S6ZC
MV/9C6`7`5^P)]0=)0R$=S3P[#L('8$?TLW)K1_"ZDX;HYPU`JY[K)(>!QT'R
M5C.83&T?VDE;8>N**K'@3\L?=B=3C\*7XN29DS-HVB/M=OMD^:N/GZ+#()R`
M;.V(W%//8_]U:!C;KD^<L>V/H,&0_C-S0^C?[4/2Y'DP&%0N0O@X:3BQP+8P
MG#&Y=SUO\2AQ_2AVXUGL!CY((H#F)X$_(@&\'D(;KC^"3XYM$.$D@,<7O6$#
ML\D8]`4>^V=F>V[\P&2_^#UTP/6=D-H1M)#T9>+Z[F0V63LT&S[/1@:-SOO%
M7GIL:C8<TC":B\\'JLV%=TN=8$()A5\ZL0O]`_&LR#X`QMC^S(8/S<]GU4``
M;CR&SSQ)GGW9)U.@:S!(B1"'-';&C!<!>ZM>)1?0LCT?_X""P#V0\,"-G%D4
ML;<C2N<?3CL,G`MFH0,M1*QK\$1*RJOS1+/9OXUJHK/392O0\@>`U8AU*[4#
MS]5Z\<-OM5E4&=GV]$OO49KIUWMS7%DCT8T/2L"H!^),'V0P6V"LSKS`^?G[
MO_]%R&]/34WMA^2][C!5GS]`PI>![;,VSH(P#.X9'X@[^'JR]=-55=/`H7GZ
MAQU_Y#.#V:/#KR?#,)A4F$971(G]/P[F/TER19%>O,O>GOGN_-6;_OD)`.*X
M$]N+OIY4E)/?=3'YW[)\MNSFP62AO2T+>446\I,LM%UD(:G\"T-_6QC2BC"D
M)V'HNPA#,[2,9`'VP75B.FC:T;CA)_]I@<K=V1YK+!7!YH=8[\771VY'E6#X
M3`O$70:K2\^&NKD[.8U06NWPK\C]XKO>UY,XG-%7!KQ$=6GS@']-/#_Z`FU^
M/1G'\?1+K79_?U^]5ZI!.*K)HBC5_KZZ[(,9G]@5-L79O@,?K3T?*IL]Z:!E
MASZ#NN$XLPFSDG1P3H>NX\;I8-]Z+&]`94/3C&>8OM6G'(<J;3'4[:%\-E1%
M4NKO'.H=]6?T`NQ'CR:/7=MA[-(%<U_Y[7RN4>JR4I44??WHMIJL7C:Q>;R:
M]FRXKW0PLU%J6XYRXS3$_2CU+4>Y<7[9=93R<^KN,LH>>+0C:!Y\-+8MX8('
M>67[]BAQYB[HZJ#??#AKO^OWU$L][S:M']<M,HXG'KF^.;ML-\E)I5;[KC1K
MM7/KG/S]AW5U24#IB04KCRCIHNW5:JW."5ECK*U>[1=K2V(OIW^LQ$MO5@?Q
MX(0\><2O7-1TU>Y4TMB"(9ILJ?E&Z*(?`Q:K#G?RJ[%6DL7S4UY9[Z9OD8M6
MJ_\E646,M1('"JQP%L5DR-3%#MGZW0G"`2S88!G&UF`.."H$%O%NE*Z&DY#`
M+]#B.`D%4&([3CACZ\[D(;:JC&;P'"QGP3_,;-FVG1*OM1,K=N"CYBW3,)1U
MMF[;+G_`)"1)BO'<,]ZISQ\PI6BFKF[19>;I#F8>[0[!.PIFX(%W`N`S6\U$
MX)VG&]PL"N!0\-%O/?H8!$A&^8[W<9[9<Y[!VP,/=WL@T&PIEP1O#RS6$#@]
MRY[#S37^KBA(;\^R5FY+*PC`"/5.4,_5F,WN**^=Y(47!Q;R\HZY:5NYNV/O
MRSHRSGS=7&?6#"83&K*$5QZ!S#I!Q%N^IGQ^*OF[[RA_)6ED]5N2+`J2*&?S
M1<P*V@7TK*]=$67!E`]P:<=[\H$^MG;UR:80CT4-6.[#+$U%"2G\+8UB.Z9'
MP+V\,M)6C8LJ28*>GBR%QJ44`"NF(B@*AVFC7#HQO2>C4ID$83RR1VA=LK(N
MLJ()NEE'ZU(>@&7)$#23PPKK?'V89ROYI)'EE?QN/HX?S<#+R8`+;W7KXUCZ
M5NCC0"S>I1NOK\`TP=35'*W8+C`>U,HAO_+A%QA15<ZT,.0P%#J8"[=V.`H,
M9Q#,;CVZF\%-]I\%XM.8I=#/?&J'/BPIYZD8>6G)<F<Y4Y/7NG;@Z-=.?7O5
M.!MLN:/JA[;.V\OPT.:Y5,3;-P*W+[<,61(D/=/2]0/19T--WY[99>_(YMF0
M5K1(NH86KL/@_RC+_C^C/AVZ<??6<T=I<=$;R47[M((I1IAB5.`4(\Q2X7XK
M?KZ5^Z/5Z)$68'_.^OMXSB9FKI0=?LQ<P<P5?O#%S)77SVQK-F^N;BX;5NN<
MG+4ZK8NV1;K@MWUK6.UNY\N*V>81ZH+L%>RF.;CY@X`6=2=HW\CDTDJ6W,Z7
MKR1X7+]BA*C8H4G9$#0=(Y/EY-VA(Y.R+NAZIKF#Y0A,[A,)W"(\V64G5[$S
MH$(ZIG[DWM%VLEUT&41;!R>W;P-#DQB:+')H$FOPCB!<@S5X1P,U1C(QDLD/
MOAC)?#6`<,W\2G8TZ*.KFQPU,P#WUU^**4P].XMH`O=QKSQB`5LM]4]UH2Z9
MGW-<ZV.P\S!%>J=U0<LV-7/],#X7(*RY9X+[C<]*]=S_@0$:@[5FIS"/;->/
MV.%9]IWM>LFB+3D2RV:K-U;BY[+S[/(*/&'&<M89\8*8WO"%"?%(KPSHI0J2
M*A6/0<7,A[>"Y.S]I;VG^3G]SG*HDGA!E)M!+M5.0"Y>9S8[4*>:8!I:GFXI
M;D$=SQ84L$DQ,BTLWY,][_*=<]R#VG[#Y]4=*`]^FZSCN\-K6+3/+VS?O.&T
MQ2NXO[3G_M)2FYM:P&TH'K:A=K33Q3O!L@1#X#0>SF&8C.-=#MP5PEVA#\?W
M8+M"J9/9^-;:?U,H_Y/3&OU^RR+-AM7ZUNW]P!SVC+8#BI'RC("6#%`N-YO9
M[6S)[9K)[2?TZ9XVI&-&V\B53SF&ZM#4'!;;2O[@?<K+KN3OKYP'$QK%KI/8
MD8PV?X^4:,\W9T4T(J7!MLC'11_4.;F:Q>RZM>','T2UEG6!]B0K>V+@`:[E
MP5;?$+OCW9[D[Y2T&0]\>[[7A)Y)UI8DSUI8-"0'=DSX`^]CL['V/@TZG`:A
M#0W<!N"Z9$`+S%$\1`JLEJ,MP_37(Z/6IAU57NG#U3$K\ML)KWG1OU0IA?DH
MP,YYJY(HYAD)QZ35(V08<(H##KTK8O\L=74E1?7]>:Q;Y)&^FK8Z2<Z';OO;
M)L,&9[1'G6#DLRJQ[AT-._")"S=R;.\'M</-":^Y?@Q393%5MORILME%.0J9
MF??\H&8\TN1XDC$Q>1635S\<7SS2Y/5$UBOXM-4GG:Y%?K0LTFLUN]\Z(+IS
MTNB3!FEVKZZ['>8Z=R](!QX`3[K=/0=WZKK5Z;>['7BB;V$";%8[.(7(ET1`
M2P8H/WO"Z7*3A(]+2.+Z6U7/LX5CY$;P;C!$>W14]$5`2P8HEZ[24Z"(V"Q:
M=PPL]#[JB+=*CAL2:'0.<KC;J9D_:)R=Z[;389*AR\YDH^&=ZU!P7J*C,"@'
MR7P[E>IX.&1YT#U5BFQ)N,I_Z]`8%E/QS`Y=V\OUT#',4\HX!4X2!4DT<C1K
MF`=W9/R25$&1\K]]N]RY<%L<_IB7"I0K4RF/I696^7&":)J'MKR8(5?*8QW!
MZ,HZ#\<ZOL?J;DJ-P\RD`F4F[:B5Q3L!KP1#X#0#A)MPQN%R=G--A7TUVW=Q
MA\-%$/9MC_8?+W!@;?N.Z[E)'O'F+-Z]&L'LW#VS<Z<K,^"+B6;MG++-_,&4
M=SY%UL".Q6_-C*O3C<H&M)ANMIMD9#;+)*-J^W<TBMDPEVX067._2++S7INB
M-\"O-Z"+)GH#.`0<`OID!]ABXB_76M*2(3V[6I6L2U;G%&8$?"?`Y\K,\I3)
M6:/?[J/4MI?:MUZWWR<WG5X+7F99X=\:[0Y*\#T2O(2?6RC"'41XT6CW6$\?
M,WK_:ES>M-!8%[%2)IU]"U@J<U/M5TEC1'WG@4<H2Y/ZJ0MU&<\N.RK(E3S/
M=T*\N</[5))US-`\*LAUP2R`EO.3'I[]287<<_,PY[5+0KTN<T]$Q'=/?&4)
ML2TKMJ>R)J/;4%IXP30;.O_J6\C"CZ7@!9D$83RR1[1R:SL_Z6!I0S\#0F&R
M_D&*061)4,T\KY[!:I"C)I@B2'*>-Y$@O8Z:7J>2(,M&GKX<$NRH"2;)BJ"8
M>:[SL=8-:]U*6.NFBH)2QV(W)-Z!B0<.IWGP6UZ0=L=..W!$=5$[N".*Q#MV
MXDFJ)-2-$DRTVY;?'4M-U)AZ`Q('9&+'[*\>L"(**Z+X+63!(>`0L"+JR+/L
ML2+JR`#'BBBLB.)(@E@1M:L(L2(**Z*XJHC*-ZF(^_RX/.),6^YS"KK!?\X<
M8IYEBK.99V8.`LX=X*>JD6NN#$+.'>1@UU53X1YS?NJE+/M7$C&?S'S7<:>9
M9*)P3\_#I.4+&A;5E!=>O&FIM-">2K*(?D-IX94$5>3?,!>R7.I9]36Q_<7%
MHU@L5;A<<$6HUP^>6HBE!L="KSP=**3645/KM"YAC12R*[]Y450+3R^LD,+$
M[8,F;IN"9![\'D8L&#AVWN6[ZX>D0]*M<T!UT\3B**3=H>=80S#*<.,FUD;A
M?5%8'57<HA8<`@X!JZ.././^]>HHN2`P(^`[`8[545@=Q9$$L3IJ5Q%B=116
M1W%5'<4CE!FGO/UGS_#,*_$@33!5,\N(#^8J'@0X0T30"@?:J9$_:)\1M>QM
M9%V2^%,W?FJ"\`ZEK*AF/%Z:Q!75$,%M$7QQD`^"5QSPR*DD'@!`G*+S-*`F
MCP:TD,4Y>)=1P=.0)4425%G+4ATPE?W(.*0+BIQIK`$9=&0,`J?JX_ES")\+
M"937-&8(AE+`:0Q+9DJ8SKMO<''?C%U)A:6`GC_[,1N\E/0!_ZV>:4P#R7,\
MY&$'VW#`G0]SWI`\[YFX-$G0E$R3"["<!*_:P6(2+";!(>`0L)B$G\U!_A*4
ML9CDR`#'8A(L)N%(@EA,LJL(L9@$BTFX*B8Y[JMV,LZAK@N*A'4FQ0-.,Q"U
MXJ%60<P*AQF82+.N\P<</V4F>/5,9F13L\W)0A-Q6/@X-!,('D[.1P">*G&H
M>X6L+L&K7PJ=E/MTV4NA4G*10=PP2%*1/DB?_<M*-`[,#Y:5%)=`,(-I!31!
M6%2"N;GOS\U5!$/&L@!DSU[LT>I%S.I&ZG!`G4-X;5A04D[N2*H@ZYF&WSBK
M)X$V6_[@(K1'K`+CZ?:8E8<6/_Q6FT65D6U/O_2=,1W,/-H=-A;W?EP$8=_V
M:/\QDM:C3N`[KN?:L1OX%GO&`O&<>8'S\_=__XN0WUZVU@PF4WC!=^AW-Q[W
MZ&CFV7$0/C3MJ0N.78_^,W-#RKH:W?@#&I[9_D_7'Z4/PF>BQT\0=_#U))>6
MJZJFJ57QZ1^6AN0SZ'MT^/5D&`:3BBQ*2D64V/_C8/Z3)%<4Z<6[\/;O*1#G
MW:;UX[I%QO'$(]<W9Y?M)CFIU&K?E6:M=FZ=D[__L*XNB505B17:?N2R;ME>
MK=;JG)"3<1Q/O]1J]_?WU7NE&H2CFM6K_6)M2>SE](^5>.G-ZB`>G"Q=&;2,
M^5*!S56[4TD5W1!-INIOV)%^;(?Q*J>>MXE%.[P7[6#1PC$DPLIS<!M]TKUX
M4;?P8K7&*=*(^4Z8&W/(F]9-XQ(EMKW$8$(@S<9UVVI<DL9YZ\^;1O,'Z_EC
M^OCU3>^ZBSGX.PG5ZI*S%OG>NKQ<R#8I9KB!N:Q'KGO=JVN+-+N]7JMIM?]J
M$6!MN]MAO_BKW8<_O9`UFJ@R<".=E:ZZ-QT+);:]Q'H-4`\4&%(,*<:-P)!B
MF5`,)_8BE.&EZ\F5,CR!M/YNML"/2W#=ORKO`.G^;/>8I"%!<FH%I.=&/\EW
MRB+"=$`:443CZ/.*T]\,_$0#;'B`1PYDG>3JY7"U^"O1]]5O2;(IJ'H]FR]B
M9C,'F<W/`=:JLOD)\3TFI=8-058-Q+RL.FU611%5^JA4VE0%4<-INK0J+8F%
MT.D/.NM#WKC`:$QHZ/9I>$<N7-_V'1>6&2S3`,F9&3D50131^I078+FJ(+RE
MA5?7!4W4$=^RXLO6`XAN:=%5!$F1$=^RXINX_MS#R]%^@DM#(N&&`@?,E0RA
MKF&@L;P`J]7T(F6$MX3P*HJ@RRKB6U9\U2(X%HCNGNAJHJ"FMVDBOB7$5R^"
M]N*&P#%2LRX+NB1Q3T[$=^^%755"O["T\(+?+VNXKBLMONCWEQK=NF#^/WM7
MVYPXDJ2_;\3^API?7(0[HC!Z!=$[/1&RD=O<V>`%N6=\WV14V+H1$B,)NWV_
M_E0"&[`!`UV2JZ2,F=VP/4A(]61E9N7+DTW(UI86WU+Y_9^2#C`?2>3<$T@$
M0"(``&9U(-`@U%1:>#69!F4`W]+B*X)+`>@>F@B0L2Z!=BXOOB+L7D@$5%$T
M(1%0<GQ/%(@3EQ9=3<(RU/^4&%\1'`=`]U"W,-V].KC]Y<57A-V[*R4ZL%0+
MQ%*]Y[:2E7TG%8R)ZTW'\P5FM]MW)M>&5X!7@%<HS2MPRF+(H2/$'SGE5JY\
M11"D`?.],`>N_,-6#+CR@2L?5!2P3'.\8D!D#B(&(L;7@H&(,1$Q,.S`E0]<
M^9^>?#ET6NV&G(NL*%@WF(Y0A[Q9P7DS63]IO0L5L4?P/P%"UKNO(:>;C^D0
M>MA\!6^^5_))V'MB[;UF`[<,'?:>P'MO01W)U^:#8O"JR)^,FT8#=(C(&*HG
MJ@8("HQ@ZD1+C0+,`$`HN!,-`.8&8.I,JPHXTR)#6)`SG9<O#<3KI19.6<$M
M&3QMH3'43AI-0%!@!%4)-UMP6!(90HU+(P\`[@Y@`\LM&2`4&,(&EWL0@M;5
MD+Z6DL+&H?P!A+M[TLJ)!%4#(B.8>M*Z"IM09`C!DQ8=0#T]S4+,6F0(Q?:D
M@1R\G%()P>HR8'BB0:139`35%M::`*'($(*++3J`+:QJT%PD,H0ZEWL0@M75
MD#X(5HL/X8D.01:1`50-W(#3K-`0@B,M.H`&5AHM@%!@"/EWI+<16*?WM`+W
M/'+NQREF\[N^_=#++[_5IW'MWG$F7P?#!^).?=(;G87CB>^E7C'YPTL>^N1^
MZCM)&#W/8]-]\O?4BPB]>7P3N"2BCK,7W,\_Z(5!;*=+<NJ'P[]^_^<_$/IM
M_5>$`;U#;]0)AN&8V,Y/Z^>$!#$Y)0$9>8E-W_#U1LASOQW]PO4GFJZGJG7Q
M#R5B"2AT?3+Z=C2*PG%-D62U)LGTWR2<_28K-55^=VUZ]>_SE6[WSNS;:PL]
M)&,?7=^<7G;.T%&M7O]#/:O7VW8;_7EA7UTB^41"=N0$L4?7Q_'K=:M[A(X>
MDF3RM5Y_>GHZ>5)/PNB^;O?K/^F]9'KQ_,=:LG3EB9NX1VB!Z@;J\JM.MS;?
M;4W)H/OM@\T\2)PH616:F=P#SWEA/.>IF"V=>E>(FZI$DER"5^"4@8M#EX`_
M8C59SE[IUC+[R$IW<7N%[%D0I`'SO3"?[6=J\F&]]EJO+616L%YKUNM=.P#H
M#Q&X&N<V886K\6!R1L:9CNUU16?3*$I?E4<864<#_.695#,*JE\>2+4A0K#Z
M7;+:8O-M$/[9!W"V+&.RQF',!U#[`#4>JX+S+2I]XZ]D-UGV5_8Q#FTR(JEY
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MH:J'554/[`<1JE2:HA:IF(/!W&U]);CA$5%!VE?VVR!0V@"`"E#VL%?-FQ,_
M5$'<\LAJ[%;P)N59A`#ZI9B"-]Z;'+EQ3P8/89344G$8(R]X)'&2]3ZF/Z-Q
M&)!G-':BOTB"1M/`C2L@AKF9N14=T\!Z0P8M4QYX&UCB<8@O/VY+YU6WH)@,
MIY&7>"1&SJ/C^5ED?A2FC^?X+$H^JBJ#;]P8&;<D*-TO$;XR)6OGD$F22[?&
M^GOJ)<]++@WU:.YF9`XHGM[%GNLYT3.((R-UTVJEN,+!J43XIHC*"H<3GOCQ
M:=;JF"`,:N_T3.KK@"0RTC0Z5A4X.Y4(7AU+,H<#.;ET:[Y/G<A)18.XZ'^G
M@4</3=.[,'*]@`Y+0&[6\Y8=J#PJ0*E>2O]VEPK3-$K_%,=36FZ'AF&<@$)B
MI9`410-U5!IP%1Y;I<7INNTE#R1"3C;5A8$H0&-;$9VW&E9U)4<=!GV3%1,O
M!3>WU:7Q*D%B]DW:/=N\7"HS@NZCSZ@M8-,Q*2O-=.LTB];%T/96RK8W65&Q
M(3/U9S^A\>US@WR7'?.T<]FQ.Q;4<+(Z/@M1\@>`E@S0T@7T*A'"R\-7V\T5
M4U]K>B"R)W`I*%H"DBOD1`OJ^9YSY_E9X1:$7K@-O;Q18EA5\M1A$-FKF'@I
M.M-4;17B>@<JW5E8[\WQ$W8%E[OBC=+5L"8#DRG(%S/Y2EU85=LRCH)7$>(G
MC#>P>V?_?=&[3%]ZD#WO?ZBM?R'KWS<=^Q;B>E4*`P&@)0-43.\N3!P__=9P
M^-=#Z+LDBA=:B61UQ6".N37';]P]:IVEPG.VX.^55\!D6<):H\3,XPQCFK]6
M-K-TOD9FM_VAGP@U#E!<\^G5$2!X#+-&U2ZNR7G8^H<\SQ^22E.^HW,_?!HD
M3I+-9=^-6?J#RX!>^H/]OHE>>O)RQ^QZ<=FE%4IH/(\,F;9UE?YQ@'KGZ,P<
M7*#SR]X?LW#[9-UB;ELZX)D&GFG@F:[(*W#*',MAP),_/N#YU.-;R^PC*U4^
M;>#,+CWFP)E]X'IM23W">JU9KW>T*:`_1.`8G]L$`4G&>^G9W[333R/SS.[\
M@':5RF5!`5``%`#E&5!^BJ&ZA%*5T9%_51`Z_[,ZB'0LMU0VWP=ZYA,;B'0L
MJ2T`3CS@&EA7@5ENQS%%[O].YRR628@B,@R#H><3%+S:"OIW^MO0B1_0)`H?
M/9>XZ.X9A1,2.0DEO'2&B?>8=8A]A=-'E7P;`!0`!4!Y!I2?T\<K;3*:!JZ7
MNL;>W91R'1`G"E(C$J-P!,S)>9Q'CIMZXPN<1\H#KX(E@T.V4D!P9P2/-=R2
M"B#9_U**,\J`MLN@]"PR(4'LT`(X1'[2GRL1QRK$1AAY\L"">BD66Y5I!PF@
M5RQZ,G`6_2IGT>)%:HL?`Y(P$`UH?2NBM_*X*1MY'EF@L[)BXG7<,IBF<@X3
MH+W=<9`@?B1(84LF6)`$"<F2T+7L64?.=;_WHT.+M$]O-]:ZP7[A<K^L&G05
M&U*>T]O`H%=,O!I8%I$H`22(&PF2L=IHB"=!_"3T.MT?U@"*SRN<7`9``5``
ME&=`N<SG74^CX8,3$UKQL31%.R;#:33CF5\7OW4>'<_/:!9&=%R&XT/VCUF%
M2'H\,W2H$2D1P,<*EIH%%$$7$=*L+(8JEK0".A!R"RI^?CKP.@J'A+@QHM1.
M:.PDU,(\<V!XX%1?1-A1P;K4@+`CB!<K\5*P(7&02`0)$E:"=-PJ\T@'/O.(
MQS<#JXTZW2\K&<5-`4S8.5SNG#=G5AFKS184"8&`,1.PIBJ@8@;YX49^4N>P
MM85BCE<)XB>C>-[IFMTSR"A6-U\!@`*@`"C/@'*?44PBXL33Z!EE4[9`'EGE
M"&4L-V7($98(X&,ZL!9RA&)CJ!M,#ZU"9`CWFO=E]J_1DQ-%3I"@B$SFE@)$
MCI%=J(%%*`VT-0!/7/#0L:$4T#K.;P?:?G4A9$2BB+BS4P)R/4IK&+@QFCB>
M"T+(ZM"@2+FF:$#'%*]C"B`7@0-#C@C*6-(U#C$4IZCP+!R/PR`ORP'9N4+*
M!_1&KJ2(D/RMF'@Q/3N!](#T\"X]8E<$S@L"-Y8<P#[A<I^\,>(R;FE@QD'`
MV`G8<:JD-!&)GD"&^)$A!6L-INS.G)&%%3"J++73G>Y9WS('%C73F<TVN^W9
M#]:_;SH_S,OT(A:VNJJ1H%5;JC7S;)2#0&W!X,JXH7-()`P([H%@L\4AD;>0
MQ[Z-Y@.9-OHOLWMC]F_1%HL-+A57Y[X&EN=DK'#J`_%B(%X:UE6F$W5`@BHF
M00H6LGOP$Y*N:OH.;CB]\PE#&]ZVSJRKTU0PU=RL^/)S<[9+-CU:P=.Q]WJV
M+<:]T2B<*GKW%2Q:-Y=*[`X=]'RH9"T<11`>$)X]A:<8IY"]\"S;]'I"B<L6
MO[K>X_(]K<`]CYQ[RH*VL`LK'WKYY;?Z-*[=.\[DZV#X0-RI3WJCLS!PZ10^
M]\R)'\[]\&F0.`FA-[/IM]KI@ISZX?"OW__Y#X1^VW)])QLTON%JY+G?CO:]
MZ$33=>U$6OQSA(9A0"'JD]&W(\H&5U,D6:U),OTW"6>_R4I-E=]=FU[]^WS!
MVKTS^_;:0@_)V$?7-Z>7G3-T5*O7_U#/ZO6VW49_7MA7ET@^D9`=.4'LT6F%
MCE^O6]TC=/20)).O]?K3T]/)DWH21O=UNU__2>\ETXOG/]:2I2M/W,0]6C+:
MR]BD/[\(XU6G6YOOQZ9DT!WYP79/URU*5K'/_M/DY8[9]7;?[`[.>_TK*L3!
MDL/V(L/JJ\>V)+:+C]F]Z_EGSGO=N8=7EY54Y&UO3&+4)4^H'XZ=`,_^@-&`
M1-[HK6.HT1>Z,OO?.^DW9$[BRW_O=[Y?V/._K3B.BC3Y.7OA@6W:UE7F*/;.
M7Z:(]+JSS,%DW6)N6[IL/[U\D+Y4;=#Y'^O%=\W^<&Y>=2YOOW[TBMEG?YC]
MCDF?-PBCL>/O$I!\ATEVHS^LV4J\W&<M4+/GM6\OK<4'=P%O%8WL35_0J"E:
MBJ8T^]\.N%!8TD7U_7CB#+W@_MN1-/M]XKCNR^]/GIL\?#M*M^'2PB\=5-P]
M350J<7O:J#%QO>EXOL#L+.<PI.\=?#M2C^`5^'^%U=/QFC=;4@`&%?6M+[>R
M3^]"?\TA_E_HLM.U:A<KF_D=.P"'.96]%N*C$,L'"S5[X/5+M<!6EK-7NK7,
M/K*ZE/%M*4:`!4$:,-\+\]E^IIX<K-=>Z[4E<@GKM6:]W@4907_\.KYKWGK-
M.Z[';<N3O[<)QYTNLB]Z-P.SVQY\.30D7FB_:J=[UKNRZ,V!"VV/)=X4<!:"
M:0D`!4`!4)X!Y:=>MD-%HY8*")UN,78"YSX+BB(G<%&8/)`(C0B)JR"0?@Z)
MS9WRE@I6]3R+DD`',<X+;:SD4*%R5E#@E`*F)>5E)`H]3[1?60NRP4AW3O"7
M%]RC>'H7>Z[G1,\5$+]B^BITK$L2F(7RP&M@26):%@`(%HR@\KHEN4*0G]/$
M&^L0A$'MG87PJG&<*,1&-)IP<"@/N$V90^4"\.T*7T/A$#XAN^ZRH!2)9U&H
M%YXTY&5U>PRD!%I9"AFAJJDYVB;HDZJ8<*GS>;P@/R`_!W5JRAR0\_!ULF-I
MLNV>;5XN51O`+N!R%ZR::`,WFV"D0;R8B9=,9^MR0&`%(B2L".G8:#!E&>?+
M4A>:K+/^O+:Z`ZC^8Q5[%:*V"``%0`%0G@'E)U_W&F@E/R>T-QI$CU%B3L:R
MDB<7"6B6PDD57P`%!`%!$1-T^]B%@>-GA1I9`HZ,)W[X3`BZ(P$9>0F4;["K
M_-8E!:Q$>>!5L-K@D'H7$-P'P58!0^[X.C*P3`3ULJ8A=N<)B+,6D0F2<4,R
M<K1$$,:OF'C)6#<$I+4%">)(@K1F4SP)$K+@<E:]L90N@CW!Y9Y8-=JIX*B%
M$QZ#RBVO>.E8@NH-D*!?J;+$K9:`;A]'&;FL@A*=6N>]OO7RFVW^:0VR$09T
M>H%]2P?;I4_5&=C]SNF-;:5_-_O=]"LRIMK!S>F@T^Z8?383::L:"5JUM2K6
M-0C5E@C>!E9Y[.4%!'=%T&@R-32"G?[VL2FGL[P=&H71O(D.)<Y/:,-F9AR,
M%K1AEP=<0^:0#`C@VQ6^)MOR<1$.&"Q#@=;?4TH%Z`5H&KA>JM&\NVE"7$2<
M*/""^QB%(]9<'G`8+R):V-3SG-,-D9Z*"=>Q@B6#@]&G7T"&A)4A#;<D`>/-
MGYOB.W0,:M>R<^[/+M70P%7CR=6@4QW+K<+;MF%692EG5>I84ID>=T%XJB,\
M#:RK^9?HY#OHE/?AY;VKZ[YU874'G1\6V.]2V&\--UI-L-^E%+NB5;"*5;:T
MDR`\U1&>)FX*Z?P5/ZA\Z\SP36/*VV1$HHBXMO/3C&.2Q&;@7GK.G>=[B4?B
MK=/*][H6AI9_L/4W#2V'V=TPNYN?J=$E>`5.QYG^NH5G[EOP-Z2VF;V1:<.\
MZ])##?.N#URO=R6'L!]$F-\\4VT"CF]N6^=6OV^U:0L`,@<#RQY\I5\%=(Y[
M+/BFH)P09'$`:,D`+;+72-FJ7$S?#Y^<8$BRRG`_=(+T_^*X&H7A>:0'=NPD
MTM0\H_^@=AA'5S<6+RE-@2N-&;LQVS7-33":!BZA@83QV$NR">,1B4GT")2C
MK/2*,J][!ZU2!G`5D;DJ\W==KB,R]N(7@LJ_I]Z$ZA00-T:Z1,:&"MW.)8)7
MQ@V%Z?RT$CLKYG`835-?A3(8>F&`PCO?NW=H@A($D)E^T1J@7TH$KX);LL#Z
M)7^'I4L2%$Y(E.J1X#X+LZ"A$T7/HS!Z<B*W$B&7@E2+*D%XI43P*M@PMJ0I
M>5<MQ;HN?BH60:IC'@D:>X$WGHXIU0<:1L0%XGZ62J:IM4#)E`?>]'RD,IT/
M+(+_LA]MQ';-D]&^,Q`#:+4N@@M"+;Y_%+@@RBM<C(>>5*&+?Z.:5;<3=8>)
MXV<NG9-U!<"FX'93O/$8):QI>2;H0.E63+YD%;<4I@=COO1N_ES+*\65EQWS
MM'/9L3L65%A6JR`/`"T9H%R&YCK!(XEGE4_.<!@1R"<RC,<=R\87",>5!MUC
MI8`AFGL3!_*33+P)(N+XWO\1%WD+M1*3X32BW*WWCA=`K)^9;M$U'91+B>`]
M5K"L%I!1S$W!%!R1@L"_R&&"-\I,E5IY*C.(0E5,O(Z5%M.\:4$DT#PE5G>-
M^/L+^A_8$-QNB#?ZUF@JH&]!O!CJ6ZSI3"MM.=.XG)&FD_2Z.17;(NV:U_XH
M%9GAJB+DBH"UA?5FGNT'P*'Y>6)7-(>F3'M91"?!SI5$<R\JRRU<FEY`W/DH
MPVO?"<QQ.`V2N$^&X7U`8Z&=((M%G(7C240>://6(YGQ=EZ&\8=LFRSO#GR<
M'ZB137R<0+3)`]'F&@"`JY$O0CI9SE[IUC+[R$K!;P-I8^DQ!]+&`]=KRYQH
M6*\UZ_6.>03TAP@DEW.;("#+9<^^2-?V[,+L?K<&*'W^ZTNS.Z>[1.EKH%.K
M:YUW;-1+7=[OIMWI=0>H;YWUOG?3!6[3*^:W6)F6<]D;#.@30RGG'K@)7?D'
M@`*@`"C/@/)3_4]#^\>T5.Y+1L=1!<G+(R*_6QI4H81B4$4G/NNI@M4FAT0_
M`-Q'P*E8:C$=%"=TK\9VT["(^E?&-!34II%J#RBF+A/`*:12JP`:[+WK30##
MW3$TI`(L`V<UF@?:@TGDA>FSD.C1&Q(T#&,@'69E'61@U"H/MC+3N;*`7L$-
MF$P+FDI10;JQ?']GTQ&0!'F!EWB.GV\9*919,Z[B-W(T3%#!7S'1DO,O%@7Q
M`?'A27P^H=ONT(:/6;M=M+#:7H!"6OA+1U<M*G]G#.YW9!1&).L+(:,1&4)C
MB."-(<<:E@VI\(8]:`TI9VL(5N7\B5%!>$HI/`I6V49E/Z&M2)P^SW5FGY[7
M[V8=05F@-YLU![Y`97P!&3?E7).5H,ZKH\Y5K&LB=HF"\'`@/!J6-*;C8#^_
MQ9A%5S'+EMW=^X[CMA</4Y,_C4B\>S_QVJN@3_C`/N&E>VZ[`[03<]%._*;#
M;`^-+BO[JO0Q<;WI>+[8[`S-SJ_`::O<KYO."C1`-J&GNFJ00T_U@>OUKJ<:
M]H,(/<)-45N$9\W!M-/W?2\PS&O9=^6%;B$$0$L&*#^%WO,#.PKO?._>H6=;
MY-`DP+T7!'1N>SA"S\1A07?.O43F$9C?*>ZNM+"1ZZ0\T$(%M8KJN"EQ6`;.
MI7\S@(X2]JI$3@4PST''H$D*AE?&>JN`R2WB.C`=*@LD3D"/L-4CL@'-:26"
M5\:*6D#3<BD\$W.83)V(-BU5C"VG&$J$IMX$0H02P:M@P]A".,J[:BEBX-%.
M,9@831S/92`.T(A4R*"C]*RE%M\Y`9UNY16P5*3T)E,OK1*CCGY-[;X)?1-:
M\LXLZ`T[I0A5K$I8T?(\KH(FKIA\+:5DA!(A?N)RB_*%)6ISJ%M@=:06(LT-
M@)8,4"[#=>>.%Z%'QY\2ZKA-?">8D0W%E:UD*"2.I\A8;>3)$P0ZJ.@<@4&Y
M(/B#D!^G)LL,T*[I9!H%*#TP+FD;$#Q&BD7%ABZ!7BD/O`J6&P(G"`IU9JSQ
MQ`^?,\*%((F\NRF-2X%N8>:TX!?F9]`MI8!7P8TBJ+SY<ED@^5B]B.2J'H/D
M(P@8)!\%3CYN#5I!#E*$#?/&LVQ@Q0#:;)`O=CG(18!5*!$2B/OX?!JXA'ZO
MDTQCJG*3!Y(IX\7;U18_T@]':)1=D]>^*15KV*J&Y(OK4,6MA@Q<A^44O*+I
MZHX-K+$=$GJ@]/R2\_R&L*Z^@=-LFW0`_Q@/_&-[;DOQ.,=*\`J[;KP<:"/7
M,C-NIH.,O$<GR8@D4T,YI4^QA05RVX>!_/$#.=M$_KA)JQJ@5%DKU89D;%"J
MG\6(^(LL9Q\0APULLV^CMFE;#+PWYGXCKW1P5Z9]T^_8M[!P>R[<A=7^;B&J
MK6'5=E^U;H^2OIF7R+SJW71M6+K=E^[_V;O6WL25;/O]2O<_E*+;4EIRB!^8
M1VO.2$YP3C@W@32/GI/[S<&5Q!JPD3&=9'[]+1O($QQ,;%-E+\T9*:2!N&JM
MVE6U'VOWV`(E/?/4;/\R6YBXA!-W9;0Q:4DFS;SJM4_9882<]<R?0[-S>HWI
MVW[ZVIW3GFGT37+8,A<_?0\+2-H=-CRS/R#FWU=FI_]AZ\@M`+@)"$4]9O_)
M,;YZY/%\-D"Y>:Q6C^-4B9&-Q3V*9T:[1WX9%\.8XQU@Y%6^L"G)LAS^'^")
MM@9?H:A75#U[`+\!P>QR6BOU'+9!()CA:>:2'8K/+V(._S"D!1!N5FJZ5,TT
MZ4O8C)PM\K]2O#4)DX*6,.4JJQ2TK2<HBUL9$AG+QJ)LKH7@41EXE/7]%"PJ
M&8O2OEV!0"4C4-H.%A"H#`3*V#L`$I6L.NBM)^)PZ8H0OR)XO]6<NQ82)9-O
M*V"E1M+REFQM\#;E0)G([*'H!U0"E4`E4`E4`I5`)5`)5`*50"4!J%1`D8>C
MO+TAZ5,NIDPXA<K@N&K=C07!SF_'IJX]N[*>PN?96`N\Z7TH`]ZQ#)AG#8;`
M6V4KE:=66&L43("AD(^]WJ'\X:F]Z3H/,J^54JWVKS8C;"O<1]K=%C$ZG2'[
MFO_;HL8Q?=2([STL'DX]6-E"L>O2W@WH[>P^]R]Z!J&WI@J\$+2+'NW$9):T
MPZRF,`:!RVED1%DSAU^BR88),^9W\UE`%$4B[.2D"`?;AB]LT1&=W%"?:`4;
MF%Z1O^7!B[\L=V[Y3V0Q?3$=&<2:OO>\B,GN$FM@[*;RC4%,]L./&"EHL:;Q
MC-[XT;CJT;AB9/K$&M>*'O4E/6;S:?CKPY6JY>)E'L1YGN%&L6:X1VTZF8:7
M_:*,J/F.*^K67(G3J'OC<5CO!%A[W]_F;A\>NQ:^BV,VQ\%G+HL85T#Z#@!%
MEK\=K%E-'YPN:Y;7!K_(=BZ0-X?,<%K6+=85,]F`$E[L5?F]E^K9@;FR+I^2
M[OD3)S1XH-0E[W878KDV>6^:I4B`V5YZ#HEO!93-]7A,;BBY=1ZI':KC6XO?
M.RZ9S4?W[(5[1\F--6/_.I]Z;O058_J;CB-E?>J']+?86T;WT3O9YW[V3R[8
M5RZ>JT^GP?+\("_.#]&CA=]RPKYT[+BTDF!A8"V49RVHR=?"<S=2E[S?-;<B
M/_LP79&:'#:_?0]?,,*Z\TD2EGX]=K#)N[\I;&!:?CCPV17U^_>63]G:<D:&
M:[><\3R@]B`NE)#HLP@O[!A>@'8S#S*C@OK@2Z7=7(`AI*M1^S4-6K[5*GAQ
M(K]@JRC1D*ZIY8>MHMC!X+4+3!"D@?D.8;^MO)N8K]?S];F;&_/U>KX^1%5@
M/[Z.[YI1KQGC>MQBGOSCGG#8#OT?WGQFL:N91.CCB#*BA%?$67AQ(K856!\N
MK;F5W*V9AB1%=IWYA+);L>?_"/_F<QB>1P+PK%.V/ALWD[S<O:7=`E``"D`+
M(C"7:(^@`7'<D3>A92#=>%_*A[JD-+5T_A[L3!+(4Y9\UB59:P(X\8"K2;I6
MYP\X(7NQ7_GTEOI^U`@X##ZM0G"S*!!LC48^#2,R43CYPUMG(V_N!BG0"$(Y
MN;1IEYL9;EM082H9N1JJ@`W:P1]N^*-(6D-`,<$]"(KOJLSU<B$DUF_+&4=)
M#H%'V&\F;$^/W*+WWMBF_BRK=8)R[WS*O:M2LU'->W>'RD`NM-OU^K0KL]C5
M)*[`".0!>3:31Y<4/2;NS"UY1`D$MJCK31P7H<#2!1H`*``%H#P#RD\H\%\T
MG+NP;.(W]:,"H%=7OAGQYL$LL-PP,YL<WH05!3'5'"!GHO"@TI":537#JQB,
M3\[X*DVIEJZG"A#FW594D91&3%4_[SL&5S%#\_:6CH(P)+@(!'I1F?CL^,'R
M?<L-,O,EPN>><D"PF>4VA7A.R;A5R][M`_H4ESYJ]B[G,L<"D]P([45M>1IW
MPN([V+-9+XD#@.R2(FN(`()CJ7*,L:I>3377$C0J(8W8]5N5L\_U$3@JF.C^
MO92$B6H;7V_C"`BFY=$5(MP`0`$H`.49T#P#@FKLGA')AI6!;^-]E07*%;66
MX?4+%B:?XC(&8ZJ.*."6&VYECN\EV0N6TI$EX%@^&1^P_,5"%UN`^`!ROA>D
M+4F<2"5XHTQQE-<1M40,:\8&UF//"FB/CCQWY(P=*\SRB-<J3OP%$"S^9(V*
MV`_QS>J$KO'"!!1:41=#P!`PA,(,@5/94PX/Q/R)V:H+<*]-HQ>V731;I&6>
MFI<G;%@0R"XHYO5H1!#(3CQ?$,A.-E\0R"XDOHLMP[CL#CL#S-CV,[:N]S7F
M"PP#P\`P469L'<.PJXO0]F)YTSML=\C@O#OL&YU67R+FWZ?FU6`5E##^-/L[
M][S(7J9@$2<@@?5(Z..4NK-5,U//);?4IKXU9G_3"N:!YS]%72%YA+XP*4RJ
MI%>S+"%!('2O>0I:==D!&_`*G>JD2M4ZY"A$7I?A2LP>P&]`,.VEISWW_L#2
MP])+<>EQ66@VB,[E=#(M4U^A7(YBAYK>_(ZC6&'AK58:@+=`\!YJ2@XG[N]`
M,#L$JY4<#FY`,,LUJ&(-"HY@A4<$]Z#BM*/R8C>XIWX*-("&61[RBHJ<NQX3
M!/)*0ZX*R`5RI4:NAH#JBZ`/-_11*N`/^+,[?P[3=:_LQI\\KGX@4$8$DGFP
M0)E=/;/1_]]52WC@!=;X.6/KUO-7748#ZY&BE>C>DKS241)6);61>Z-P*,`6
M6P'V+<4TN5++,A,-%-L?Q?)N.,K,517=:@M"GKW9)V:1&AR0*(^4O>*S*'\3
MU-!3#2[#!)73!*6J6I:7"8K1-7NC7_9UD;/$\F(;E<[8U7444/N$NO36":ZL
MI_"19O'B9MM\!GIFGZS_37IF$"KC0:AL7Q)!7ZQW_:2$--3"^9'"!E.:FF"S
M/VA?&@.S1<Z&@V'/)"=FQSQK#Q@-KR\9W?K9L@$%P]D4#*^I%^:X-IAMC#''
MH<+DVJ5?&UCE7/N6F_(6QK"8J&-A&)95-J<JJ;54?2;Y4BT7"U8#O[[`K[J>
M:DOA8INRF"Z-H-JG5&O(37&IEHLIBS'UX-?GIS(MAZKC0IBR:VKYLY!PS9<'
M/WKY4955+E5.!6&BPE"4.:=BZLTQMO'<;G(5GUF._\L:SZDQF]%@9KCVA6/=
M.&,G<.CLDEJSN4_MKMNCH[GO.^Y=V'DCWI&<PC?"S;RCFQEM,^"-AF`]5RYG
M18^&=&:T>^27<3$TR:5I](<],_(T$V/P1L`^/!AH9-AG]!.$!*###A&(07=@
M7&#"MI^PG\-N&*^YZK5/S3YI=XAQ.FC_,D,+_K\F6T9L*R'MT#B'#TN,?M]<
M1'&>N\4?7IB_3+:U?X@(8-8WSWJ??:)]QIZ$G7"[@W,VINY)W^S],DXN3`;"
MU7#])*N8Y!TG>=C9:H(UCN-:BU/_CS>/S2,=!+G0)MMI(;4$0`$H``6@A0>4
MR];KPTJ_0HP[ZHZ>R"QT\$5.OS)P<;PO4?N:U-#T=/X>S,_^,IN.@!F6*2#'
M,N4ZBV+[W7_B^<&==4>/;JS1OZE=LM-`+BK,BJI)6D.%42D,P!Q:%X"'U0F`
M>5V=7#H!3CU_ZH7-[,B-Y]K8[U.S*(I4KRDP*(7!ET.#`O"P.($OIXMS6R4*
M9($*E`6:<-4H:E*AF`FUG?ED.<'I+>:MDU<Q!`PAE2%PF@#+X0[+7ZI;\BQH
M%5G0Q:4#LJ"1!2W,K",+&EG0R()&2AZ<*P`4@`)0`,H/H%P&0$N;!9VRV)\N
M-9546Q_`B)0U21*88;$5$S@.%QLRDKGC7&9Z6UI=JFLY=+V'W2A1H@/`PP(L
M#X8<+D`NK]7(*T[+:-2E1I-#Z6D@*+#)`'A8?F5!D,/EQ\^=.]3_);]#`6#B
MW9+9@S4E5A@-!]UVI9M2X[#E#>`3V%H`/*R]4L#'X=KC\FZ]9M,>+U7[G\`^
M&(]2PL>A\0!X6'NE@(_#M9=;(_@4.NAL;/=#;>I;XW-O0B\\RSVQW'\;]F_+
M'='9R=.)SWZX9V\ZOS@)_^7YV]YW^-GI2]#4YY.EC*8^PI1S,S:^FOC=FOJ@
M(A<5N7LLNZI'(UK7?BA;E+\XN$]8<&D,AKTU9</@P.;2N\6WF"UBL"<R_C3)
M==N\:&$&MY_!$^/"Z)R:@IA'H0SEFE&O&>-ZZ&*>_(,A/&QWR."\.^P;G59_
MY\+27#O)=G]3WPTO3#SB*,8M,_J&%[TNN:+JWZ(_``VO?.$=[TN7O:I(NLZ_
M,#L_E>WLA!B3;5H<1N9D<'0H!!<6W:HD+WN1\PPOEV<;9F5JX&%J5J8!9=+"
MHJNHA3(SN9Q@ZF!?6NRKR'7NN0=T=T2W7BC3\N43S#N78F2J7KL4$UJA1@IL
M^>R1]L?C)$^6(<^3/$:,E:MF:>6^-E496D%AV/7!N[\?=L4^QD9V97V`RX=>
MV1[PTC2]`R^PQL1:IJR4:9D(;839-;8I_"HI,KO$-L)ZJ:QP-F=AC0W']N8W
M8[J+10Y3!LF-Y_O>@^/>96:87S\D-VLG_M'R-LV;GB/&-E>;649.OSA;>5MG
M+BFVL(L[4&R<07`VT;-M[JI=RSAZFQ/OT-FI@*G`"=>S>.F_!1@"IREZ'/JO
M^<N]W)C!_$%;!1G,1>4`,IB1P<PYQ,A@1@9S&A?U#1>B,&<YS1O/^M%\R^$F
MS3N"*0NN*[I4J\G90Y>5!Q&IQMQ;!ATJ@R(#^)(_S!6"7!XED##\15M1AUR*
MR`#J8MN*_2>%I)05+$RP7K!4$+F2KF0RLCU*ENV1^F&J#/D<2+`KNE6M?Y![
MX7]-%)E`@EE512NV64WQ7(K<N-+DQLFK<I']9B'EX;07AT6[IK_MZO;?-<--
M;:0=%^`LB>WK^J@[Z8]NE$1U7/8)9E1[=$2=W^%SSSJ>:XQ&_MP:]P,KF+\3
M5WTOAYKX"R"%^HE5@!2J,/F/-;F!_$<,`2F<T1_F.I3!7_*9HD1#NC:-'C&9
M\6F]R>44!&E@G@CSQ7I>)S2,^8J=KYCX!^9KS7PIL!\B9K,N]P0!TUG;X3#I
M+""..V)W4V+/*?N16*.1Y]OA]92=F8-[XK'+/KLRCMD?\B>E:&,]WI>ZJU)O
MI//7D.2ROTQ95?M@R8$:]ZAI]9A\/*0C)=U+?!IN(M3.RF6/6&C*>B)'&6X\
M"+.7C%JI=L,#>TK&GD.EEGTX^M/9^)[59LV7E%&'!FRSMN>C,$(67O^<MSMY
M5NND4#'W3&Z,Z4C.9'NEA,Y1B1(]TKW7@CHEHH[<%)`Z^24()<[(V9@<-`_F
M/KUT7&<RG_38TUCC*^LI?*S9F>=WI]2W`O9W+J@UHY]D">W^34@70KI04=*%
M2BR7)I(*59B1\8-'GS>O\>:SX6#8,PDS7>W+X26Y,(V^R5;.]25;(?ULF8!`
M=#:!:"W%.'0N8BDQ%?P(4JT]2-?CDFIX#U+EK:\!+9Z=>59K",RS7&P7Q%MV
M)U<>`G!%,6+H_+<SS_2/&97B\"P7(Y9&0[>2DDNK"9PNE+<1:Q++M4EP3WUJ
MW3*&@'8[YXLJ4I/'],+\7.6[NZ4W^<P[-#BA+KUU@E-O%L1[Q6/?"[\W_-[%
M]WOSZ]E$=5Y9O=FHSD-U'JKSQ+,?J,[;?&\Z[5Y>=3MA.(YTSTC''(2'\7:W
MQ0Y_)V;'/&L/V%OZ@RCJ>>.3XU>CX0MT06Y6R=80ZK@`*``%H#Q[>-EE][<S
MHFPSG)6B8]%X;V7;4EW6TOE[L#3[RZX@BJ0W4]47!G!Y`:=I""HGK-0NR[:0
MU6GDW1:@-)K8`HH#KR*I&EH,B8V@THS)<.!]4\C^?F`^3NDHH#;Q:3#W7>*Y
M9#JV7&+-9C0HA=!3+EO#(;L>U/7OV!R*`S"#M*;GD`"46(,`&";!4,\CS9E?
M'8DD>X4Q\?S`^8\5J41XMV3J.YY/GJC%'K!D;J:<-HTF=HSBH,O@Y-#2`+]M
M\4M5CZAH]XCW>\-+*N'B*@':I;4I-+`G%`?<P[CB'NP)P(_OVT.:ZK$].O+N
M7.<_U"8N#8@U"N:6[UAC,O9FI>K'*IA2X]OM29&TNI[A!@4AT)+12Y'D9JHQ
M&#"H9`QJH-GO5E3[BGKLE/J.9SLC]@.[]K%+7TJ.P.++,+[=/KF2C56E:BWW
MO1SJG\54_Y14543]3Y"'`_(H4KTJHN[PMA7QJ'T6J/8YX:(43_,30^!A"+FI
M:<3*66S2R_@YMWPV"^.GI6RU-6Z[M^&J#B,^L>H9"3X)+0UH:11E/]G<<AY=
MP\N@(:#HT9!"`T5^#HU>.)Y(GT00D`%W(K@72[EEGE9(G%07INS]E/7-JP&;
MLQB/+>;L_9S]->R8F+)$4\:V_-/S-4L3UE<(09?%9OI&T$4BYM^GS'B$SAG2
M/S=Z)FD9`T,,G9=WG7-Y1+DXA?HRPQ.5^J7"O"DUEN)=@+PTD-?4.B`O%^1U
M6>4>\CUD=NR8D?E\*J&/85I'9FV`D>.4>A)F3482)NB5';TR/4V!7F6GEUP#
MO4"OS.A5DX6G%Y=NK#`3V"F?*RN7NL^&I"^5C'B^W`#>G>%5Y2RM$N#=,[RR
M"@=DD>&MPO.4GN?IRO=^.U$=T>'(I[83?">WGD_&GN5&Y<`4!<&B'+</%4F6
MY2PU*W"?*S7!CD`M4"LC5X$NOJ,`Y.*47(>J7H!M410_%(F:#I-I'@=+W(G"
METTXK(H,+QQ6A8:W+C7J<%@5%EZV>IME=U@E.E%X[A$B6]EP49,:-61J%AC>
M9B/+=`[`NU=XJY*<J>`CX-VW<5;X7[U""MZ^.5,@Q5HL[YTB2_4JLA3!K^SX
M556RK%($OTK/KTQ35L"OLO.KIHK/+WX\4.U%&.N&WGH^706U`NL1$:O4[CJJ
M5%?0O[FP\(8M6*'[4&!X=;D*>(L+;U4`-[*0CJB7;.LP%R;EHP6.VWD<MQOU
M+%-M<)<K-;GT:I;A69"KU.2J:ED>VD"NDI-+_`1^P3J!I98<5?PV.F^YRE7K
M+T5J5'.7^$'W)M!.57,/JH-VH)U<S_V@`-J!=K)>`&O'90G@B35S1H1:ONNX
M=[.P/RUAY]*)YY+9O>67(GD_"^)OQ6NYHJ`RK&2(9ZK8",1Y1!Q9_T"<-\3Y
MR==J.>-Y0.UR'T%RR0Q@Q$365I'1Q=&BR.CROZD`W2*CRZ7[XM2:W1/;^>W8
MU+5GQ*:C,3LRV#A$9$A5R)T`7:`+=($N;^CR[TU^?8@X#JR;,7UYR;;QYQ?L
MY]6CQJ$;?</JC:_ZZRX.#=$OSHS+]L7U#S)P)G1&.O2!]+R)Y4J+7TBD3WWG
M=OG>7T:O;71>M=[]')5!S^CTS[J]R_!#+GW7U7?U/:LCS2K$I#T_7G]P?6&N
M[_6[:'N\^NB@>[7\W-OS43322Z/W9YM]Y$BM3H/P5XM?K][96SS-QY.4/'T\
M8),Z#OL%CQSW[H\#>?%Z:MGVZO6#8P?W?QS4Y,:KB7_=\SGALE+4I#'-";6=
M^60YP>FM]G>]KC$$#"'C(7#:-IW#+3C11'R6`_O)1*V:JJ^;J@_-U%594<G/
MH=$+QV,R.]H2!&3`G0CNQ5)NF:<5HBF8LNVGK&]>#=B<R9BS[>?LKV''Q)0E
MFC)VY#T]7[,T87V_CO&:4:\9XWKL8I[\XV9ZV.Z0P7EWV#<ZK;Y$S+]/F?$(
M+Y.D?V[T3-(R!L9W(1S1SSW`2R-Z^S_I.C.:TJHVERN'!8#[##A%EN2XK0O(
M\8H<6W(-'<")!QQ;<HI:Y0\Y<1HG/F_7T)/EO5)9D>K-6II<1ZU[Z1C4:*1Z
MM`2#2L>@9BW5_18,*AF#5$FN";B+<>EK6=.VL`1WB*RR2!J2W%#YNTL`P00(
M*E4@*#*"=:FIQ@09@2#W"#(KJG/HOA;'(W.51\=AG&ZS.=WJ>JH!`-R.2L:?
MPU6/Y+T2Z#L8)"Z#=#`(#/H2@VIJJL'0G!@DBH>&6+?L-9GF<<PKZR6D+ND:
M'`$B(]B0-+AR!$>P"E>.X`C6&AI_"/(CV?2F(3/B+U^DFR8U&G7^Z`8$$R!8
MJS:!H-`(UC4.33X03+(&ZP)GQ'+5Y^[-_HX$6=X=5XHL:?54K1?B+^6CD)SN
M(104*B&%:J`0*/0E"BF*@&G6_'AFVHM0RPV]]7R:=H?BLEXM%$FNIIJZC<MA
M[@@V90XOAT!P:P35M,^G0#!W!-4JARXV(1TT+[FR8>Y$RML\3K?9G&XU)=6P
M,&Y')>./WL3M&OS9G3\UG8/T1O!'7/ZD*\]5!-?,IXUCD^?,II1,4_Q^Q;M*
M*NW:DKBN96\^T>JZD-11)$W._NP&\A24/-5T<_I!GC*11Z^)N&UQ6=1T8LV<
M4:G[U*8L8RE7$)41%#?(QHJ)&^+8P$T(UPI:R/,1ML4>+3Z`V*P%!Y!#ZP\`
M!0>0RRLVVKGGP48T:P&``!```L`B`;AM:W7VG:9KG_G6W81AMOS6]V]:O?C'
M\7QV=&=9TQ_]T3VUYV/:O?TYMWR&]?CIS'$M=^18X[9[&W8$#!S/'81_>,"&
M?#+V1O_^YW__%R'_^/@5?1K]\1Z=>G[`KNROON#D:?F/SU]"'/N/@QT_6ZGJ
M>K4BO_PO[$'HAI#TZ.T?![>^-SE2944[DI7PO\!;O%+4(TWY\%GVZ7\N9[#5
M/1U<7YGD/IB,R=7PY*)]2@Z.CH__I9T>'[<&+?+W^>#R@B@5F0Q\RYTYX>-9
MX^-CLW-`#NZ#8/KC^/CAX:'RH%4\_^YXT#M^#+]+"3^\_/$H>/7)BAW8!^0%
MK==@L9]7Y+ML=XZ6JZ@N-\)U],DB[0<,S+=D>/^=<=\0\6SUQE=M)!?'O.@7
M9\9E^^+Z!QDX$SHC'?I`>M[$<J7%+R32I[YSNWSO+Z/7-CJO.DQ^OCP'/:/3
M/^OV+G\LVWJ_:5ZY^I[5(705N-*>'Z\_N+XPU[>T7'3W7'UTT+U:?N[MB38:
MZ:71^[/-/G*D5J=!^*O%KU?O["V>YN/95YX^,D;2<=@6<\3(_,>!O'@]M6Q[
M]?K!L8/[/PYJ<N/5Q*]K;9IQ7_0X<XH6Z*GOAOQUWE6:T9"N36/9^IRTS%/S
M\H0-2U,D$II.0>`&\(F`7RSJGOG_[%UK;^+(MOU^I/,?ZN;.2+14@-_&<V=&
MHA-Z.CI)IP7T])S[S8%*\+2QD6V2SOGUI\I`0A+2`6*;LKTTK<D+EZMJK;WK
ML5_#[ND9>=_]]"^NU#!SV\_<\<7Y.=_&G78Q>WO,WK#_93#$A&T_8:>?_NP-
MAN=\A]'F6Y`^_XK9VX%N%\/N&=:Q4I:57VQ0'I65+T?]^)K6-.,_QTD4!M?B
MIX7;Q,//V=[:/'Z7IE!-T[-Y(6[ERH&Y:E)KF44`F-<$\V74#O"N"=X-G2H=
MXQU`KQ/HND8[EBH]YO)X3!ZGI5?6BK$\JL%2!Z[F9!I\HHP<#9JHNNBJ5%$Z
M`+BR`#<!+:`%M"6#EJME55'D5\MR7D.BM$]NQ+2HJ6K2TQ+P[@NO`7`K"VZ'
MZH[\%PR`=U_+@.,`W,J":U+;,*3']P"IZE`?J@Z)&Q]+@Z;1CJWD*`U(#%IK
M?HDB+D8'_`*_\N&712TE3YL^Z%5K>FF<7E@=0:^<Z&5H.;L=RI56N]"[ZV7Q
MLX9P87B'&F@YGJAUZICPHZPLO#95.[@/JRR\*NUHN,NN++P-DQH=4W[[-P#>
M6ST;'?E-C>6YSCZ]WR*N+K-)XY(%[,I+GL6.X6`EZ<%*I:J%:R'0*[=K(=6R
M0"_0*Z=+;37/\Q;(56MR-51J66J>!P(0K-8$TZB6ZWU1Q>ZT<ZH:N;SXSDMJ
M*E6'ZS%_,PI5W;=(UU-ALIT\3_<H_P;:;:"=297B[9*@7=UII_(E%-H.M"N8
M=@V==K1<LX2`>"#>QF56=2JPS![`N+/O`6D8)JY/W#AF218.0)">`TJ/;MA<
M;U=`?D"\<A'/-$QJFH4;@$"\NA//H+:&\Q%H5_2QW+2IDVOJ3!`/Q-MX'Z28
M%E7T"BRUV];C0J6E$E5:VE&D\ZK$M+.FV;H\$X:`(6`(FVZY-HP,I<KVF0A)
M2I5I)8$;P.\$/$J5H539X68/I<IVG#"4*D.I,@D!1JFRUUQ.ZY8C^*<]KZ!>
MN/;2%&IVS"ROM1"56PQRJD&-9;I0(%<FY'2(6_E`(PV-.JJ5/W+O`%W6T.D:
MWXP\JPA_>*%#'2YI&)=7QHR&:BG0&:5&T%(+6*^!8&X(-N53_``/X-4`/-*P
M;1EUIYRW6:AXE2'S+&I:.&:7&$%<2I8:/F)3NV,`P?(BB)OE$H,GC`..4;LK
M+Q27RJYG)<L$)<I)*<]<Z3)WST<RL>I2J$,=.]/+6C"H9@RRJ-ZQP2`P:/]E
M[#ZG.A@$!NW#($.AEJ&6CT)27LJBE%-^1U2#FDI'OA,J$-SADMW6<$U49@15
M:NB9;C>`8-$F5I.?.0H00CBHY&DKT3H%>(E5]ZX6E9-*>511J6YFN@/$8;=F
M#-*H8F1J90:#:L8@`Q>VX,\;^".*&AD2+&)%[,_!H;Q6,0TWMKOR#H6*BDS5
MN&]$WK[9&'6JFOG;XI'GLY+D,:B5K?<PR%,?\C@&J`/J[$6=AD[M`C9RKT_$
MP0X#H,\;Z&-21<_4DH,B/"C"4S(9T'6KD,,P5N!*TL=P;*KKH`_HL^?!T<C6
MH0GDJ0]Y5$NCCH-+*]!G/_I015$X@<JX>*'$#$K,E*^L!H:`(6`(F^YP-HP,
M)6;VF0A)2LP\VU-("C>`WPEXE)A!B9G#S1Y*S.PX82@Q@Q(S$@*,$C.O.0O6
M+2EG]B5F5$7"^#8@]VIXL$X[1>2O!W(9(Y>M!1V@%51B1J6V6D!*#,1RYU)B
MIE.[?)LH,2-!]H"&9A5`/.B,'!'4J?Z\##@P+!&&J%,"\`#>H;2GB3(S*#-S
MF`QXBHDZ)25&T'0R3?\!^`Z0.@T)#,N,8$,OHE`7CCXY)A'E&S!+PCRPY<E?
MB%HSY<K7HU,#E4)`H3=0R*8=/=-;6S"H9@RRJ)JMK1`,JAF#-&JI%A@$!KVE
MUHRBES!_JI0WLZ@UD]\15:-.MDE:<4U4,((.=?1,%RL@6'BM&4V!K:3,"#8,
M:CFH-5-J#!VJ9YNCI&YWM:@U4\JC2B?;"DLXZM:,/R*W4_Z)@<&@ZC+(4*&!
MP)_]^=/(O%@G*LW4C4,:[9@E-#NBTLS6'91,,N3/NZA1Q<K?CHJDG94DCT4=
M)"L'>?8CCUW`@1+4J21U&CK5K/P-[Z@T4TWZ6-0LP&T#E690:49>&=!UFW:R
M#5O`"EP?^A@&/S@64#L<]*DD?73JJ"`/R+-?J1!'7&_F?X\+^E22/H[M4,7.
MW_/_<'5F>)N]8/PA<J^GG!#+5I]^:/7#K^UYW+QVW=DO@]&$C><^N[@:L/3)
M/IN%4>(%UZ?!E<B"FWAA\/YN^<<AGY7W?CCZ]OL__T'(KQL:F;@1>^_&;'P<
M3H6G4/K\(.&/7,S$MW%WE'@W7G(W%$.Y;X]XX]^.WMY,RS!-HZ4\_"<R\@8"
MRSZ[^NWH*@JG34U1]::BBG])N/A)U9JZ^NQ9_O3ORYD]N3@>_OMSCTR2J4\^
M?WE_=GI,CIKM]E?]N-T^&9Z0OSX.S\^(VE+(,'*#V!-]=/UVN_?IB!Q-DF3V
M2[M]>WO;NM5;873='O;;WT5;JGAX^6TS67NR-4[&1^0!Q1<J"IV??FHN1==6
M.D)X7]$,@\2-DL<D60@"R@])4'ZH5N57,`0,`75\"O77EJ_.@;8`=W,=GY(`
M#<AW@MQ.1R3V79BOG>;K!WYPF*\-\P7]44E\%RO&X&.WWQM@QK:?L44K?(7M
M\AYU_^B1WE^B$-B@1S[W3X][F$J0#^0KP52"?#F33\I,&1?S)$[<0-PE$3<A
ME^S:"P+Q0WA%[I@;R<B'DH0'BQ;B)`J#:_&C[G2H;B_VC@^_S=)P@!C^EP!^
M!,1/V4"P%>A:R]"!>'5$6E=U:A517@089EY5JJ4`MS++GF:*!.5(,5]*V2NB
M%-^NN,E3S^V/R.4<&->`6,7LM55%HX9A8N=558"Y0G&`;G7052V#:BBT6VH,
MM98M8=%6`+@U@&:GF.)O@#!'&=0D!%#*B^_>=Q:-O!B[[LPV90V=&I;]#ONR
MJ@*LMCJP7U0(W89*3:6`!+;(09SCR:F5;?4L"&'10FB;$,%2(RBG")8G"_B'
M,+IB7C;WWTAVF4^RRR<[?56ABJ+DN=5'2MY<>U8<PW[8C1<99JPN,L`N.=E5
M,OW5L&WJ9%O='!F?ZZ:BS)91P@)]5290V;10YA<N4$)U4T)9GS:1=7[KX`@6
MC#,,BZA^,J9\U.P669F>G"4Z-M6-//V%D/$K[ZX5K8=W)IG6,@L_L()AU59C
MZR%CX)$T/"J=IKJ/0@.)I"%1^911]J%OX%$-E5'6<7B5*)>PA^-BFE@S\T-I
M76WX3S;S(M301.1V=0'.U[P(=`N/'[*II1G`L,08<IG,M((,`"Q:"&V'=FP(
M89DQU%<N_E(!*&4`T5<FIHV-B7O#(O>:D2O7B\B-Z\^9V)"'BWH"Y'H1VT^\
M@(SF4<2YA+WZ&[=R.Z4XA=*I0!XMI=7!:0PB#$#?"FC&B7VX7$H8^E!!W""(
M%0,T<T$T)=^W/ZDQ]C]O+BNV9RFOURN,?7;O1)^ZMVXT7F_O3[ZU3U_2C>/Y
M=/&[+:N-[=\D*H^](LDO51Y;:_-'+:!`F0P%RG94PN6K)84AR#`$20NU2+C;
MD2_EOJJF0SI$1:\WCN\5(KP_ZQ[_JSDX_GAQUAN0[F#PY?SS\/3B$^'KPA\H
MR+!+0084_]IYOE#\:[?Y>D75'-(QJ._%WYI7$6/$$T-B<4(B-V$R`BSS[<C3
M`3[*?Z4]O*KY\*W64O2?<3]=(>#5EF6]`+76^1G8EAE;322/WH2MWK(T";&5
MTOK=^SYC(V'7]KT;%@OKMK!JQ^!E1A9/5<%Z4AEL51C)@%Z)LKOMM1#<A+Z;
M>+Z7W(%J69TX=*6E;-Z'ZEI+UW#FJ!+TNM[27@#;;-FVA#M3H+L#NF9+T5]"
M5S,E1%?N<\?8N_'&(O@-=UQ9'CM:NH)5I3KP*A+J%:!79O1^X-/UR'<K0P>O
M_;VG7G;V"J-DR*+I";M,7G;?VO0A.&3!(:LJ#EF<C7#(*NT0X,VT+<3R^1/8
MZ8BZPW4G)DHV^:](BC+PWL-_Y$./OZE[1C[PT_.`+_+]XX_=0>\$4[C]%`X^
M7O3Y$MWKGXNW]B^^\L7PF8\<9.;M@&\8]88Q;@;R!SU_I@,;IY_(\./%ET&7
MRP0EO;^.>Y^'I-\=]@;O2G$C]=[UW6!4BRLH_U#QOTU<2=4);D.E9J[I=*MF
MA#UWOWM3?A;Q@C&[3-@X8'$LDL.YP1V9AD$R$6GBZD#9?.[AFO)Q#^!!MQ2^
MU>DN,]U<+K8\9#R/1&D$Y+/)D)^.F6>E`BB?PYI7+6HLJY#)C*\\&YN5QA%&
M?C)SO3&Y"B.23!B43I:\5%JZ`;-_A>'5+/GAE7++<[H>2D?"19A#FG3[LC[W
M/H60%'<\E856*4.Z[6T=6^#'`#\&>9P`*C`$2:UU$BI_^8RR+_HQ/,LK(2G*
MP!M^#/!CJ+#,P(\!?@Q/#CW9YEZ%<;!\F!'5I):%N.X?J`.X%,"E`."]I#X<
M:B^="*2"4,J-!;P&\DA*HMKRT0_P;:U!N-QI)58@L/R7EGG"UI\_\7Z&[L@1
M0:V`H\O."$JY^8#]'D<8@+=9B4B^_X`1'D;X<EBP*S`$24U-$NIW^2R*+QKA
M<ZZ+4D^#XN'QAA$^HRF\&'[DXX`I'J9XN0ZM,,7C1%H7S(0IWK8D/XK"%"\#
M\7"/!?`JISY@BB\[!0U'/O8!O>T5"%4M"7TIY-E^P!*?GR7^!^5788DO`X+F
MLSM6"1"4<N^QT1+?A"4>)YAZ@U>00]9;=$C.=1XVE5EXJ7+#ER!BKN_]AXW/
MPCB^"$Z#&ZY3Q*N?E'YX4LQAZ^=0W^$5.7RIOL/LD4/&,[^'C2X.V[@S"*O!
M8FUIJ]HL><U1X_&29(@!K;P?MO-YT(33PW+%6G&$Q&S$C\J)Q]_LWKB>G_J5
MB&UP[/KLEY3BLTVS"^<4.9Q3+*4#YQ0,`4/`$$H^!$D=$23<_LOG=;)P3SCK
M#09D^+'[B;./G/-V/S[S-L'TO3Q]]Y-&+OKD[.+3'[T^IF_[Z1M>#+MG)5$J
M4"][.+5]Z)[VR9_=LR\]S-KVL_;E4[_''_O_W@G7*8-!#RH9E`/EY)T\4"X7
MRLEC=?[2&K1(]YH%HSL9$:Y,K26==E3Y*Q(`\@PA;UC&.R!>)\0=O0/`ZP1X
MP](@XK5"W*"VJ0#R.D'>4#5+?BF7TAEM[71!IF&47+O7K'G)#UXL#:2YC$@[
M_=R#W;\.3"ZD&(BA4T/!B:.R^#94JFDX8%078,M"A<K*@MO0(;F5!=<PJ&*K
MP+>J^*9+KRV_`.=K97AB3TD;6;>G[')..`ZC69@&K%R&P3B+0\!KO3L<DU^S
M0Q7$]%VZ\?(>A=JVG:,<[()BH8H0]"J"7@U--?-4LZ!7K>FE4L?202_0*R?M
MI>>Z1P2[:LVN#K6-/`U1H%>MZ=70S%Q-V\70JS"CV,;AZ'PXXW!^Z;.GIV'M
MAZ?A89BX?EZ2LMXIR43EI:X5;!3>J6\O"I"I4\?)\Q)P)W0/KZ'!NV)XUU"I
MJ>1J70#Q0+P-Q-.I:1>^(07MZDZ[AJH4OU$%[>I..].FIH7M'7A7_/;.4HHW
MBF1/O&T3G]4EW]6$^6.2A&3J)N)7=\AVA6Q7\J;'P1`P!`RA,D.0-#'-VS>$
M-4@Y@&Q7R'9UZ.E#MJO*`HP\,$@]!,J59M9`.5!.-LK)D^WJ29Q).W&_I_=E
MTWG@C;R9Z\?$#<8D3"8LJEE0>AY7WEO:C3L*@N5J!7E#R]>$`<BE@]QQ#`!>
M)\`;)<B9`\"SS8SEF("\3I`W-%657\H/&P2P9T3\#S)G97LP03A-0=%:Q7N+
M(5JK+O1J&#9B34&OO.C5!+5`+5`+U"H5M;#G`KVPYY(O1QS"XFL<OZ)JU+3R
M3$N-N"GP;I.VMCH($P7MBJ9=OF9/D`ZDVZCKH.E`NJ(W=CHU30N\`^\*W]AU
M*J#NZAL./YPP<A7Z?GCK!=<D'7I,9A&+18"\%UP)I^/$"P,R"H,1BP+Q*>\^
MA#XFMUXR(?,@8J[O_8>-B1_&,6_!C4EX14[8B$TO641TE?)WJAII>`%))N$\
M=H-Q_.YIE'WUIG=SM@'WQO7\U/69SR^)79\AWP#R#<@;H(PA8`@80F6&(&EH
M\-OWVS4(^D*^`>0;./3T(=]`90%&)"Z"OT&YTLP:*`?*R48Y>?(-K$7QR(AP
MQH%H/^UY[[[YGM]Q]"SO\1$^6`AJ#3M_T-X!M8Q1:T+2@!DPPYH&U,JRIA46
MU2YEU+KL!'QSB,H+OB\J59=5/Z%"2HE@HR.A+@%\V\*G&PZDK[SP-31(7XGA
MX\N?T8$`EAC!AEK`[B6WO72&0;![IH5ZDL`V`SH@6#R?8'&+=IQ,]WI(-U`S
M!G%=F>EMT7X$*F([`P;EPZ!,KXBA?\`>L`?LP?X'#,+^1P+##)(K'206>E_;
MXK[AS@Y5=#5W.4`@?27)TU#5_!?AUZ?A8(=(D.<-Y,G8V`6]4Q_J9&MH@]:I
M$74<JG<R-1)![]2'/`U5DX$[;SHTUBO]S^;\-!/FCTD2DJF;B%_=(3L-LM/(
MF\X"0\`0,(3*#$'21!)OW]35($08V6F0G>;0TX?L-)4%&'D;D"H$E"O-K(%R
MH)QLE"MML`%Q@S$)DPF+4(%Z%_^I3._`7W>;<BPS]QMPN-U5CC8-70+:(-B@
M=+Q1J=/)WST-"J=RQ&D48*F%PJD>;S3J&-;AF0/BE(TX#;.,.QR$$\!#*E/W
MN@*.AW"NJR1UBC@BPJNWFMPIYI@(Q5-)\A1Q5(3BJ29WBCDN0O%4DCQ%'!D/
M&$W`V^P%XP^1>RW\[Y>M/OW0ZH=?V_.X>>VZLU\&HPD;SWUV<?7EONSN61C'
M%\&#,W\\%*\=\BEY[X>C;[__\Q^$_'K?`$M?V&>S,$J\X/K$BT=^&,^CAP>(
M-_[M:(O/M0S3-%K*PW_"(!L(*/KLZK>CJRB<-C5%U9N**OXEX>(G56OJZK-G
M^=._+^?EY.)X^._//3))IC[Y_.7]V>DQ.6JVVU_UXW;[9'A"_OHX/#\C:DLA
MP\@-8D^4*';]=KOWZ8@<39)D]DN[?7M[V[K56V%TW1[VV]]%6ZIX>/EM,UE[
MLC5.QD?D`8-U"-:B'<Y//S674F<K'2%WKPCU('&CY#'$Z9\F6O:A).9#*(DP
MHA<83W)_\:!IK4W>;8/>'^="<OJ]P9>SX<(F/]'N)Z-Z835I56TO<(.1Y_ID
MQJ*TCG8P8J(J=L+_>!Q.9VYP1[R8N'X<DFD8>$D8L3&YO"-N0#S!),Y+<C47
MMO^4JE<L(K/($Y$@_&MXY7'=XOE><D>FS!5BN0CCN8L3-A7:;301'QO/1WS0
MOA>D[[Z<Q_R[."81B^=^LO`J^,;N'O5QV5S<2L>Q[&J*YO_JSO_%9.K^'48/
M3<UYUV/>XY$_'S/><.)Z/KET@V^\HY3K@^F41>D\^"P8I[]+HGF<T/3=#[7$
MVS,WXE\6+XU2I<.G8]7/B%WY;)2DD\>GA$7^G9@'QM5-./5&\6IB[WL5+[07
M'T3O^XP%HBBY*+8M9#1R??].S,V--TY3HT<WGI@D_GZ.!M=KKGCSI1OS_\]G
M89`V/`KC).TQ[ZXW33\QC]WK):)AS.[;68Q@U9%EN_R)T:0IT.0/+@;.$>9M
MD=3%(_+B;X(,#]WC4/#6%Y]U1Z-P'HA7BB&(DNO>HE//9N_9^!>=>0'A1U2\
M"D=ST5L^7O$6YG+^/&U-=#%@HC`\AY6ENC[R+N="A[92J:YR+??^(V:O"!^G
MDSCF?.5K"5]@A8>.^/,E%UD^@U?I%X_30P"YE``16\>W*A/>!E]<O/&<ZX#T
M[_&48[]&G18Y6S[ACA+^R30Z[T'28L[?(!&BM4KW3_R0:PI*QEXDI(4#%,^Y
M^*U^_?P=C^13?*@E"+'ZS6JLHK\/?+X?^=-G%R]8^ZW8GS0Y0P7%EZT+.J;R
M?\\IP2+7"SCSYIS<_`D^,0OV3]<9S=^W4&JK\8MY'Z8M+2E,R5<A4,<3_G\^
MYF-WQE6D3[KC&R\.(]X[\8*(77OBSVQ=]Q!W\1DN!5XT34?QH+X?Y/KKL\[=
M3P67KEAL))9C6RC>I7Z]5S#QG'??7?NP4')7H>^%ZWUY:)Z2Y=S-?#<(4AH(
M;3">>@$?`U<<7.ZXAN4O#,?K/4T_-HM8,V!\F&F/>.^[?*&A_$5<?R7SQ;9G
MJ]X:BMKX]B[M@V`6XS,CU",+^'<+E;CZW;H^(&PZ\\,[QNX_N6Q@H?Q6O!?K
MA;=<NI9J;J$PES,K/LN1]M84VH=GR#RB1.SZJ5*>SI/Y:@$5;PWFJ?BL.L#U
M7ZH*5V-?,/,YPNMZ7*S4C\2>+WU\I*/0%VN3=[.ND%<O#MPIX^I<?+K7[QT/
MT]>__W)Z=K)<VQ>D%D/FK7K78AZYN'%5O&Q=+%[BZYB_Q8W$6%.QYLB-TGGF
M`_B;"?"2B9L0/O?B1+!\UG<OPV@QLN=+Q:.1"*V^6FOYY'D;XX)%UWF#47C[
M6"51<LTQYNL6[]G*:9&M5MT@3-9653ZTC<LT?5@0ET^*A>AZ[G*4$L'BO\6(
M(DY*W@&N$=/&..]8%*51QO=/CQGG6R*V+TMMM%A1Q2EITYK[@'2+G(H_-U=J
M*6(W+)@+K<.?24<A5OV(\Z[Z2]UP\GAQ7^VNGNS\5N"M4#WFO!3FUQ2<_@.;
M+KC"2Y75<C)=L1?CE+B-$5F.R')Y0U$Q!`P!0]CD";-A9`C+_B][5]N<.)*D
MOU_$_8<*7^^%.T)@O2/U;'<$QKB;&QL<@'NF[\N&C`JC:)!82;3;]^NO2N(=
M`0)*0A(9.SMC0*I2YO-D5F55*3.S[\8(>B#2CWJUC>ID"+A#=_5:_?&6B"4)
M'*)KLCF!&X`_"/C0J-OU;K7Q@&ZKS3_)K``T%U]SM=;C8[U=:U1!>T=HK]M^
M[G1!8?$5UFA^KW>Z=*ODALSAV^2_H+T#Z`:)'Y(!.$+J"!FC@=OQY)L3E.M&
M$W6_M9X[U>9=Y^-N*!,\BWW(6[K-8#=DNJP4;HMD$5+6]>G(9\]W'?MU<2YD
M\?G(0QM;3H&L]B7RG"A*;#J$FH3YP%Q0.%6K`.:7A/GTL#O@?2%X7TL<K\D?
M`?1+`ET2.4T5,H]YLCEC#LH)XV+3\L.C2\&F,#VI0P]6D']Y+++!9)ZK"96V
M7G-&N@B>J+CH"AS/:P!P80$N`;0`+4";,VB)6Q9X/OMN.9O+D(Y=NL!ER%2(
MJ7**(&:>E@#OL?#*`&YAP=4X2<_^`@/`>^S.@*X#N(4%5^$JLIQY?/.347IE
MDCA]RX(!9XJ>*.]DMA^9,6_5&D21TRI\@M8`B1@OFE\"SPFR!OP"?B7#+Y53
M^23W](%>%TTOD=`+1D>@5T+TDL6$CQVFPZ],KETWPF0BU_0(PT?T@OM.^/H_
M_=(W?C.I<@,1-?TH<;H"YR@+"V^%$S18#RLLO`*GB;"675AXKQ5.UI3L[W\#
MP$>[9UG+_E9C?I:S&_,IXCQET/4TU]3&NV,06&4TL!(X085E(:!78LM"@JH"
MO8!>"2UJ"TG&6T"NBR;7M<"IJI!D0``$NVB"B9R8Z'I1P=:T#RS1%R=OQ-+"
M=U)64Z@*)*O\9?2JZK'E2=:-J:(G&=U#X1N@703M%(Y/?U\2:'?IM!/($`K>
M#FB7,NVN)4X3$\T2`L0#XD4.LX)>@&'V#)L[QP9(00US9'@>]ED<``+K.:/U
M2'*%^.T"V`\0+U_$4V2%4Y34-X"`>)=./)FKB!`?`>W2#LN5"J<GFCH3B`?$
MBUP/XA65XZ4"#+5QRW=#J3(H59:=\DP@`H@`(D2M<D5(!J7*CE%$1DJ5B3F!
M&X`_"'@H50:ERLZG/2A5=J#"H%09E"K+(,!0JFS?D=-+RQ'\X<@EJ"W+7B+/
M*9K"<ED+WLI-!SE!YN1INE!`+D_(26!N^0,-78N<+JC)(_<1H&,-G222R<A&
M1?CS&QW4X<H,XY+*F'$MJ#SXC%PCJ`HIC->`8&((EK+G^`$\`.\"P$/7E4H6
M?6<V5[.@XA5#YJF<HD*8G6,$85$RU_"A"E?19$`POPC"RG*.P:.;`[I\<4M>
M4%R*W9/E+!,4+2?%;QRE8WX\'Y*)%9="&J=7F"[6`H,NC$$J)VD58!`PZ/AA
M;)Y3'1@$##J&03+/J;*0/PIE<E$62CDE%Z+*G,)KV8M0`<$#%MDK(BP3Y1E!
M@9,EIM,-0##M+5:%Q!PI&"$<4$ERKT344C@E5MRU6JB<E,M01>`DA>D,$(+=
M"V.0R/$RTUUF8-"%,4B&!5O@SPG\H46-Y`P,8FG,SX%#28UB(JS8'LH[*%24
M9JK&8]_(.S8;H\0)2O)[\9#GLY#DD3F5[>EA(,_ED$>7@3I`G:.H<RUQE10F
M<OL5<;9@`.AS`GT4CI>8[N1`$1XHPI,S&Y`D-95@&$;@0M)'UBN<)`%]@#Y'
M!HXRVP--0)[+(8^@BIRNPZ(5T.<X^G`\SQ,"Y7'P@A(S4&(F?V4U0`00`42(
M6L.)D`Q*S!RCB(R4F-F84V04;@#^(."AQ`R4F#F?]J#$S($*@Q(S4&(F@P!#
MB9E]AP4O+2DG^Q(S`I_!]]L`N;VO!TN<ED;^>D".,7)L=]`!M)1*S`A<14@A
M)0:\RYU(B1GMXO)M0HF9#&0/N!;5%(@'/B-!!"5.VBP##ACF"$.H4P+@`7CG
M\IX*E)F!,C/GR8#'*U"G),<(*CK3]!\`WQE2IT$"PSPC>"VE4:@+0I\$DXB2
M"9B:P3RP^<E?"+5F\I6O1^)DJ!0"%#J!0A5.DYBNV@*#+HQ!*B>PW2L$!ET8
M@T1.%51@$##HE%HSO)3#_*F97)F%6C/)A:@BI[--T@K+1"DCJ'.ZQ'2P`@13
MKS4C\K!7DF<$KV5.U:'63*XQU#F);8Z22UNKA5HSN0Q5-+85EB#4O3#^T-Q.
MR2<&!@85ET&R`!X(^',\?ZZ9%^N$2C.7QB&1TY0<;CM"I9G8#Y@QR\A^WD61
MX]7D]U$A:6<AR:-R.B0K!_(<1YY*"@$E4*>0U+F6.%%-?N,=*LT4DSXJIZ1P
M;`,JS4"EF>S:@"15.(WM:PLP`E\.?629!(XIU`X'^A22/A*G"T`>(,]QI4)T
MNKR9_#HNT*>0]-$K.L=7DC_Y?[XZ,Z3-NFW>N\;KB!!BVNKZ1;,/_[R9>*57
MPQA_ZN#@^C8>.ZYOV:]WEM<;.M[$Q5VB@=NAT_OYY3__`Z%_SF\8&"Z^-3QL
MUIP1/0MD^#2SF65^OHK^J2PKBER6=%$J"Y):YL/_T52Y-E5R&_<_7_5=9U02
M>4$J\0+]QW?"3X)8DH2P`3ZBB8EMA?<_=^ZND(E[UL@8>I^O2M+5%TWD>7Y)
MSLAG8R":$E,T<44T<2&:<K!HDI:.:&I,T805T82%:.K!H@D*(]&JKFO8KYAR
M^_9]<<F3\4Z_JKX9KAG\ZSOV*.V?L&LYIK!#(<<U..,N?P+OE^_^\B3]V*>>
MXYZ4D5+K_YY8_GO#]GQW0K_T6OX`N]V!8;?&M`GO*VG"]QIVV.U?F/IH;%9_
M8>*Y</#CG>'C>\-ROQO#"3X-$=9/PQK.%5OXUQB[__*H',M6(5Y]X<N:Q`!T
MULH`QL1DC+*?,3M'AZ,8L]>+`F.RRQAU/V-V#KK',$81\L&8E_V/];+Q6+_'
MEAM<'/:[0)Q%:^P'>8%?'^59/"<C\YN#4_6\R2B$E72%>P3(.^N796+;;!,0
M3S.KN+TD-R2/)ZM6(E$K(?<R,).XPA46L62&Q'7$B"FQ&`8O'JUDAJ/LH76,
MD]W571>[(^&TL69O\UD=?/8^>('TS]*;@?X/US]+_W1._;-V=]^=(6EF2&;D
MR8X7J_U,%WPE32S+DJJ<X)<BVM@Z>LAT=B;QO)KP$+(J:Z%!5.*"N'MM^V`0
M)1%`9`:B&A?$W:OX!X.H\$D'2A<$(G6G%>ET=[K1QAX014D$$%FZTU@@[G&G
MAX*H5"H`(DMW&@O$/>[T8!!%I2@@MBWOY[V+<6.:_3D9"*-Z.>/,E!>TI%QI
ME*2%A>],<U)>4).:DUX4?&>:C?*BH`-\;)SG&>:AO)A8,'%1\)UI!LJ+H@;P
ML7&>9YA[\I*:PZE+<S)ZP6ZK'_SJ52?^P'&M_\/F:7!M:Y4J=VV?:QD8PRLY
M_35/N'+Y"@K!^0QO;6N,GOG<?S3R!!$8Z;TUBRJPV[,\>EXY[/`TO6]K-7F]
MBTI%5%B,/MM$R*W>A1AZ7QHZA,/T+J@5591![YMZ%V/H?<GGBP?JO:)KE5SJ
M?>TPV?07_.1:O1,'Z</Z"IW,GCAGFV?:%=KL.K\GE7D6"T2'27H14`JQH5QS
M=L="*;(YO`M0;D`IQH9RS7\>#R7/8NT=H(QTL#MCH>T.=GOXLPM*I5P!!YN8
M@XT'Y8:#!2BS!:48&\H-!WL<E&I9@+$R(0?+**K>/3XRV=8$^"*<*J/@?`]\
M++95`+X(1\HHQM\=,VHLWODZ)WSWCMO'EC]Q\?R=,B901;2;W(M&T>LPC)9[
MMPN4:R22>8$H$HE*16=R=J.@2"3S<E"T32BY,HG5=UV_NH[G,0$BHMW4G9,H
MRPQG;A$2Y1J*%+V3H,JBS'`8+QH4*;HG15-8+BPDCD1KXGN^89N6_<IPSVJC
MU>3W:&6M(LD,(Y$-$7*K]V3W:"5=DRH,?4]Q])[L'JTD2*K`<$I:'+U+,?3.
M+_0N':9W>A9$8[BADY[>$U_;B-E7BBN+"L.A.*9T%P%?2BN+,L,S5P!?ZBN+
M?#+#T\7#QVR`VPV?P.+`]LGPO>SO]&6]TZ>)VQL8TS9;?7+WR+$[OM/[2>(H
MFBOYM'P4>YM/+Q\5#?X9)*K8*]&!=N7%VR?`VY+`'6%>3+L\3XY/X;"]&*82
M7R#`Z:?D%,J50]:N`>#3`$X_@V:!`([8&4D>X@,[/8^;E@\[L,)8Y@N%.7UG
MK93E0Y9Y`&86,.?>99\7YIV9E1-`.'Y_YW'5)(@]9$N(G;@7A6OZOEDL5PY9
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MVL[(L+GP"PYU"*GZZ\5Q92K18[7]M4%Z"`KESGYO-[Y^ZTZ_6RF>.R^=V^FV
M:G^6;JN=^AVJM1Z?ZLU.M=MH-3\%5;L&REST<4$D%_GQ[VG5X`%&U&0,^QU-
M2+R+?/+%R#&MOH5--'8=C^8G(Y:#1M@?.";J.RXR>CUG8M/R1<CI$Y4XO9^E
M8&636-#"^LHKC;NXY[S:00Z(#YK(\3S/H0^21O]`ADV^%)3@;]+@V,6^\7NE
M+81_T[]QT#U]Q'=LN!ZB%LG1?XM!&]01AKWV#<M%OX+R(J1!;/0&R`F<`7JE
MG@E9'J+UET8&\4J(?$N;#'\Q:5*1B4=EHU_>TAIWI4YOX`R)<J9MC(GCHA<0
M/>%AF:""4=,AMPE:\'PF>7QKZ,W:-189-ZB*S7+`JO')M>,.=WEQ%OF#;Y<2
M4SS;)G:#!>FPZ:"Y%0_>IH/"TOGSZ1"PR^GO2DN=S@-,WV)4=5$N*[PF10\"
M6U]CC+COV&'V3`HX)Q?:>&18-K&@&M&U:_3\B3&D6;G%,]!BZ[-,,V[M84B\
ME%N;C7QY4G_(CZ)V=RXV;)4[SH3LR(=Z<-ZP&_YEC2Q_Q\R-30?)0AAWE6-_
M_AHVTA82.(4%<.N-Q`1.WWN*(O/`S=)-;;H#]AAN[RO!P39`[KBL4<S%O"`<
M=YGE+ARW6F(TCA+/ZWLSO^81QZ53.8GCN-E7\N\$Q#N;SERP!">UFYWMFE[?
MXE?+IK.K6X,TETC`<^(#)6C+NP,@?7W3)R,*.2=W4@R(CG^69"=E7YZT'_JC
MD%A`=+S<"0X'S^-QLO/JM0ZR$!#%R?_#1MI"`G>^@$@JBTG-J?<`Y[@^M<1;
MQW6=-V*AL\G2QO?A\"2*O%A6!%Y="/C;LS[9UO#SE>].<+PA+J*59361-D=#
MV_M$6OX<L6LC\KQP\_?C0Z<W('ZE9-G4^?1(US<G"2<<*]S:.R&9%$X\5KBU
M-R8R*5Q@>+R^]EPQYUH;]ZW*LS#3DG3U1184<N-JKH:-1SJ1A;%E64\:=Z`L
M@J*JZZE8V,HBQI=E/6O:P;)4U&-P\<D%=_C%G\Y3EB8RU1'=AEM(M^_*<`B(
M,(^#!Y&])K8JNJ[HFX+O>]K$5:'$5<7.,S0'JD(0*AE4A1I7%3N/G1RH"CF+
MI)#W^H.XLZS#G(,J:V(&U:'$5L?NJB4'JD,1Q0A7>79MJ+&UL;L(R*'D$%2V
M3N/1^&V-)J-'\N`#;)LQM++OCJU#RX[Y&YN1AMUD+EGM1(XV,;1SVN"3%^U$
M#D`QM'/:>)07[9QI4-H22<1]\C.8V%D&*T&OY$I-YQK%HN.?$]34G=[:)<]]
M.W1Z/U<#O96?X+COL<=]1?:'7I7%H=<79VB>X\RO7OYO8S3^PW[QQG\L_NI\
M:[6)C/7V([IMM=NMOTACG?`4L%C@4\"!R92H)1(\9DL1''H;6+T!-1//\GQZ
MD+:/33+7'*+^Q#8]-)[F+C"#P[<.,5L7>5$M(</%R)N,1D98!,[P4-\9#ITW
M[]/:6=@E`N^BJT]WZV<74K65.HW_K8>Z"_58NJ\^-AY^?-JGQ.#:[]5VHTHU
M8CLN\5=_H._U=K=1JS[,^J=NHO3B^+XSFNIP`_6@H;_JH:YG[412(7S>[H^'
M^N+"./18Q3N0=(9W290)7_CP_[&LX#=Q?W@X],8&/<E,]^R#SV/#-&>?WRS3
M'WR^(JYO2?'NXD\S\$`+(Z)(AE].?Y\!-'5#A-._]ZB6V-Q=O3U7UPB;UF0T
M5?`>]X6^/G>)W<X<XZ['ZCE4;OOSE715>!%NEA%S(R1;LAZ-\F2G<"LDIYX[
MBKD/C6:]]&W%$J9BQE>TNE?/['1YC"+64'ZA;PD@@=B?YPPM<Z^BP@>.5M4"
MVTH@4;6+[NJU^N,MD482@K<=I)R@#'@?A'=HR_=UTE/U`=T_-^\Z9$;9KGVC
M+R:!"N.K</LL#FR&*>`14D?(&`WDCB??\('7C2;J?FL]=ZK$)CA4_[M6?^JB
M=K5;[WS<C>OLR6^KM3^_MEO$IDJUUD.K_0FYKR_7(B]SHJ)PY+\?KR+DW:G=
MU?F8L#G+*@GS:&-ZR"R+F![5,^7S:K\?ED)2SW<=^Y5^^A#TN_B\_3%B=^W2
M4UN+OA=ME]CT]=>W1K=>ZCQ5:\'\_,TUQOMD?ZJW:P3QI)4.<"_W)0N<HBB9
MQSRN.R*QMH\3]4'3!39DV29^\;%I8X]$YCZB;^>.Z*H;PK9Y"92-T>41]"QE
MCWL`'OB6U*<ZT^UH]!).>9`Y<>F[\O2%?>`G(W[JBIYY<@*X1X(KJ)RLB9G'
M-SL3FYG'<6GJCK%AF2M90H"7C'C)ER7Y'YFG)<![-+RBFGUX,SGE:5#.8,\/
M/9!C!WZ'1E.S21"0%-9X`-J]_B=?$==-<`IA\7'+01PXQP#G&.`<`YQCN-Q-
MV:WG&,2<H`QXPSD&.,=08)N!<PQPCF$MZ/G`--:!S<'\888$A5-5/GO(96?E
M'8X4P)$"`&^;^]"YRO000:8@S.3$`DX-)$!!0:ADCWX`7VP/0NQ.S+$#@9W_
MW#*/[O4G3[Q_@.]($$$QA=#E8`0S.?F`_7L(80"\:">2\?D';,+#)GP^=K`+
M($)&MYHRZ-^SMZ.X=1->R`G*@#=LPI]#A:WN-R(';,7#5GRV@E;8BH>(]%(P
MHUOQ%37CH2ALQ6>!>+".!>`5SGW`5GS>*2CKV6,?H!??@7""FL&S%-F9?L!.
M?'([\1NOR61@'Q<0/`!!96.--0,(9G+N$;D37X*=>(A@+AN\E`YDG>)#=NW$
M%Z]BPFR^8P2U23SD+,J5S`*FV>0'N7A,?!HA*S(-:_B.C/!>KSQOQ5IV>][2
M#?,?\&]:8Y<$8]8OR\3$';X'[;MX2.XP9TW.O*17#B`8%QB`[H!H:%%C`@4E
M4HQ>4-D;]0R;J-(F"J%U79!#M&-36T*^0P:5*2R6C4:&3[#RW\NTN;D29]^B
M-\,++C>-=[J41@QJ$&B=CD=./\C$'I2^H*\R!W_X`Q<'EP=+;ZN7"NN8$$.K
MV^9JQ94-RYE]B"@:NE+>9D=UG+4ZY[,AMDU'V(UZ.3LNWEI<^=1JRN/):JUI
M_NI+5)'4/8^7D@8B*S"?6G(Y5QJ(+--\:EWF7&D@H5K.ZSJ0B0[*/"\JF55$
M0H6@\Z>(A*I(;U&$))^L".O5MOH6&2?]:J]'IS!D#'URAE;/PMY\4`G5$.M2
M**^V)S*YL/)J0G1YM>='TMX/U+I''?+PC7L2M)`PHUJKM9Z;7=(R>FH1A!OU
MC9IK`Z4@,]C%^8WG3J-9[W10M7F'FM7N<[M.]=(BL5>UVV@U.V%MM(%2X$E\
M=42:),W^0O>630(7RQARJ&'WRNB:3IYKSFALV.\?D47FTR2VL7^B`>$SG>[W
MPI\X-,"&^>\)L2WBZ4PZI_\?9V![OO-&GOL)V[;W/OQEV)9!I_BN,WD=((N$
M:[0MVHPW>?$LTS+<,)R:=HB<,0XC,4&;7TJ\G!%&%Z23OO4+(X\$?8,WXE])
M=+'2%PK=)(WPIF$*<3`]\A<:NPZ-WX@T_<EP.(U12'Q`:^Q-B#(X-"+N_)7X
M;BX(*(B8Y%NJ%]+E5$.T$7/2\\/6EW38=2>>']PVUR;%[)=%`L*Y:-?A57/5
M.OT^=JEZJ4:'V,>+A_+G[2WZ]F;MT:\-<V39%I6??/8\3!3[RQA.:#Q*[AN3
MY_Q-!BX?DYCW@U"NH!=K."0:)*JFO[N8$)>$O+CGD!&&U@4,?IJC$+B-_Y+T
M/^C#V\'!OB#6G1Y\0IT!QC[MZ0[W\.@%N_/R6.N15O&<QU.[T:PUGA[J'>HS
M:L1;$+]Y%_B-"W`;E/:]94HL\=,G7]`AEIII;S@AMD8I980S%X_2>KO3H9RF
MWN&->)GA>XGX$-+VW$585)B(FPDAB6,*'!;]ZR.'5DPL-.3%?0]6'Y/NO(D;
ML'ANEZM7?`R-.V@Z\'Z!8*7>8.;I`O\QM<;0-;Y9_H`ZK!5'M>H"UYXB:+AG
MC'WJS:SY(TU]:VBFV*;>*&AK8IO8?7,M.@&D-3P-8KO!7<3TJ`\CCV7Y:$A;
MIB*;EF<0BZ<+*?.VB[\N%<RY9QJ<TRY8'%I>H1H81.4O&-L(#RWB10,:$QV/
M73PVYLN'*WYOR:G/21ZR)+PI`#VHTAIM#=1D^L[_M_?FS8TCN;[H_R_B?0?>
M.GTCJB)L%Q>MU=,=(=MRM<^X;%_+-7WG_3-!BRF;IRE2P\7+?/H'().;1,FB
MK(UBGJ7:DKAD(G]8$D`"_I@\6X@5,S'GX0G`+3;(_T!Y9"[V>'5H]&PBQH6C
M^0G;$OA$;T\Y:6@JGPON*7SXD>+YRO=>[_8+0.??D0V;$P66`P"&@T3OW-C\
MBRF@4DEO""T3@&J<<+)QS0$J:\C=:['[%0@`>C,=ZKN$XT\>BH7"48(N(I?L
M,(S@2AA9Y(0XNC<`,NI([DH,29_G!X@OY-<P]+W2/0_D1@3RP+-@6B46<U;[
MC3V0)D&Z#<N\GOM_XS>8V%.76!B#[XYGNO`/Z&6@^Z/G62^@?H]0+'ICN,5\
M%<.WW6=X("U`P(;H^;1G'<B'IT(OK__1']S_P##'H'_V\^[R'K8=-5">@V2-
MR00;.L!?`"QNM"&*`%MD_L7MG5'4%V($;&_87!+3"H>Y/0+]B6HE9>H,CC&8
MX88)R\2:#][!T2N4!3P0K7SZ+O,R%"9.WF,/8YL90C`U/=/W[46FY8/G_47>
M^B%P&>AJZW]`=S.>OF*B,6[_)Q&L(&?'>`!/R`Z?Q3^`JB-I)SIF`P%0L$3X
MG"B(A;G#GIFCO-DXXC$+GSQ+7)ZQE#DE&`DXKI1%_(??`.+)P=V&B3\Z8%I,
MSS:SF/#-LVD[=+@5)Q.8\,=R"S0'!W,6ABCE4N(Q:!X;\W\`M![%/>@90*ZO
MF`SD`3'8]-TP3M!=U%V\>(%H8_'5L6-X9/1%$.(N[1'`D`'U^S00=F%F$'P=
MA-P./`ZI9!6<^*7Y.)WBV\%?&)CST`0ZXEKXC0:&OQQENJ*/0.U[L$GZ'$2X
MW@$82:#]+)R.T(.D`+[$J"X8]=1*)PH/%FMDVC[?>'&]'KD^,QW>:?WQT6>/
M.%@$&0.%@Y#]:K'T`\R`Z&%Q!2?4`VT^R:!CUE>T.A\9$05@'XTC'G3D<T.D
M^^R)N0$'+-[^%=4.#0;T,6S&AW\A<&";F*RK@M.&Z</[3<5E?/W-5[!D`QNU
ML)OCY/R:PJI;W`2E+>>:R2'@0::$(,:<06:TM6)Y,$S<SG)[F>R0>)@((A19
M!V_[WL5T?C3!XE?(!D'S`PF864UB,!)7B9"<"/F<B%^4QK%,"":P.&#Z3#\#
MX^>"3XZ!3XZ)3Q"XJ!30Q3Q/*?CLV68O\!;A.`(&1SX#1@YL9#H"]C'8FNXQ
MF&:`+/0/V;#0MH]\RE>>/R2&"YI2\'^F\P;0B`>.;,]MK*'M`]]@AL"0F\[,
M1#WA4C@?[<VL@A4R@@O*9T8S@%N0ED="D[B/`.Q8OO)7):!'?4H[BP<&YJ#0
M:Z167H&0(4<YS\XT$W6>E;@@OG&?@&/E-W)!\`(<!OR,YTK$_&RPS)D_K="+
M-?X"[4Y?HAL(YOJ69RN8@@TDX,3(,++`%2XF["[&L&/"O8>PVG%XL"QP<<`W
MKO#[7\"]I'J#Q(Z?47`GL'F+MS]'N`+Y^T"H"WIP.L.=614"QC5&:NBMO\[>
M/3+1^)Y:JH)'Q`,_47ZDBB[=7R'F0!X^H8^.>R+3IPU-T*^4&I+Y?2JU!'$5
M0_I7'([/8*WYO(*<EJ$=*DHTPE)>`A<P""X`9Q%FY<:.<#2=P,/MIY"L!#P0
MHMPN@S?Z/->%4$?P?(G1BM#`0)+M1DS`A)'O=?C$K,@A,2TF*)0OS?&%`2D%
M#\%W-L<)[D*!UT22S(ER$?DXD3$1(&-7),*<\$MZ+\`'SM"(W!SQQ0*K:&#1
M2CZP6+DO>,(#D1^_?XM9`%>-%O3P]V#Q\?0_;G[TE:N;WK5RVKO^NS*XOSG[
M>PVV8GD/WY@[L85LO6`6LKSR!QH@5[B5IROAUUL[#(.'R']\4CY?_'%U^D5X
M24AQ'.&SLK`;@RH.X?_Q!6"=\R."B:Z)S;/DK?`\SI[/Y/#D%E2Z>X'+3.M9
M:+%,REMR&3Z`BW#^7!MW6!&F7I'8Q9'&]G7R/BX)R`9`[^LOFJKBGD`P0>9A
M":N1;$)Q#Q86R!V+@0A`)QI9S*E`S-"%]F0Y&88RP[>':&S0TX^2O:+8#-+M
M#)]DQAO"A^SV(S.RC,KC;X:WQ8-*D_5`-=$F+V;T6"4*VB=31E&-EC7*5[PW
MCI#01C*Q1T#7.*B-^3`2$L1;TI<G)AZ2?3()IG@<SAN74308E*2H,$9P&2PO
M5R,@I-"%E3-)1AYZF6`LWY3/YA=.@\0W-63Q;,3P$&%H.0M;/0LSD^^230%4
M,C3,B1V2WQ*7FSOW$O-BRNI!\X#&%=AAQ*>-J@:,E\`F$_+SPQ>T(\9VR-6"
M6`4.<>%I3'1&PC)PE6.^H.T*.P7<Z."#TR$()J`7)S?#',D11[$M/A,>023O
M9VI-*9^'G&"H*(=DISCLT0X<VL_36\1+/3]5XL(T'H)A#++`)W;!6SD1X9[/
M%G]JNJD$2]:.@9!R948II[`.$^[B\<:<CDY_Q%1(THA"Q2?'>_A>'R.;E+'*
MT/K&L,#A*R_45W5P&"9G,L1NF!1,$K-=Z-^*TY.!*5+SJR!E>FHOC=XT;O(%
M<?3.QTT2V?7YP8"8<\G3C:84?=-5>0+NQ(2KK(@D$+-)%J9C\/SD263U8Z4R
M9)@C])#E-VLOH!5,5VRABD8BW$:945OX)N[Q$J,Y46Y324,6+)F^@(GC^)%\
M$K0M%GZ7/-FX_Y.G#8B]$O=)QA<D^[YT=7Y5!)=2+"!S`>R+W<2A0Z_'4%$D
ME(GG@FI@KQC)240:K/H$D[[></U')!X#VT+;&FZ.DQ;$)%ZX")A9K#QRR*LR
M-(,G[D_AGL#8A*==.B<4;/-SA,KD1-"T<&2..11/S$U',4<A2DQ$!F6-B*T&
ME[1H&F6_)9$&.X=G'ET&(YW$<CRH$^5N_I1I)SIO%&3:3`^B'@(23/Q:1%7(
M0O=\^S$VP>+L'6Y]*".&[Q4^1#"&/'0W,@R2^[C+17L3?D<466S$?-2P9+WR
M"`3?YGHI0U%2#N/&`0<@[1P35O?\[,NYCH;]+F/YF$:AF3H_^E`+Q`Z4/_I7
MYS"&.V70N^K7`+MGS*<=HLM>0.['(*:TFE=F'?-8QV+1E]]:45`NCEP<H>1#
MS]02D:>\FV3^.V,/[-PQY4:0"P0*JQ:V,'ROG88$N,O9C_UV-7'!\"GT[RB1
M[.+RNG=]=MF[4GJ#0?]^</C8IZ1QRH#,)<YD0DLBD24."0<$J8`;GFCP^9Z3
M"E]Q7V)I!:3K+49.T;/<U>+%).GY722-@3/(+L-`9'HS?]UG[4O^+7$.D1UX
MW-!.?-O"EOY5^:SS>^+W@0KP'D**S]`!0CH6]WE$WU,>*C>$1:H-VD%P)]IR
MPH,3FI0-2UZ@T!2)HG@I/>D+V:P.L_`''VU(VL3F1I#.^%>^?36^Y/(!$B]/
MXKI*-=(,P0O(&(H\7PS(`&\GJ44^2R/93VR<<;W:?II7</`,?WO7_W$YZ/.\
M\_[_^7EYBSDP-5!SMYB]$0BO/;I[)H0,Y''*DTL=?P[53LM$NG,!XHQ=1E^<
M*%>41A5,.Q!/E/-<8)GB-G$@73B(O*SI%N=UX:Z:P4Y/<>QGECC-)L7C3S?@
MQ*G`A,?D>(M33"C3#V2%,SJF8Z_`0L^H-''@/Z=>$TUP:(9*!V3Y-N\ALBGC
MGK^67Z!E+\A3$K9,%*$#HF`4BT)]]AC3WEFZLTNMVG<&G[(YV*@)(4#O3X0\
M<'B,#X911+'LBX]XD@>C``L(<3PVQ7QTBI'MP8.=F,%A^P%/W0"C&`4^)MR(
MA2([(EW">-^864J0^W12&X1HY(L`)6Q^\<(:F,^]JZN;/\&`Z)/U3-N_JYM!
M+&O._H"G]H]O+BY`!MV<]<]_WM5B:]C#X$YJ6H#F#0$=W-LD$L`PPQ5&XS`>
M34F3;RB3*.#)UJFGASE<J:$7"AW;R$4L3@Z(U2BH9QLOYTEE*))$?C8/G<<A
M2H0K""UR^8OD65YB%P^Q^-S3'+\`LV.'GH]CQ.2S[-O04$"WNQMB('XR<2@\
M.I4<Q+G:<[S'-YHC<">\-L(P%WK/[`GQ/EH0W&>>RZE(4NNB"4^A)?]1FL$A
MG$C<O*=8&7=(PN.2/6YZA-^T0&Z9PR3X,C=U-O']NVP(),#("QWB">(LBNRU
MW&Z+181):3"A`J(2_4RT:\$-4(8*<?;(MRG9D.M)L4^<D.L4L?[^$)JJ_N]L
M@XBY;3EF*IYXDSEM,Y;KD)&K,8UD*2IS)`Y\ZII@[1+U95`<S*FZLJ`P3^'U
M=SSQ"/>NP,(8HP,^!V5ZE-N%NU8:JQ%>6;($DNUN7"J$*]E?]*9ZI*IJGEWL
M$0^SQ0E8&./QGSFW##-*,8F>D7F4S6LB[LCDRRU\%-@_@'L[>$KC2P$K,4,<
M2II6`I_0(IA.RL)+%R4[Q3&+H>?@'RB<R!5PQ'W5(YY3Y:+K(='Z0D2D0GYH
M3C+17:3A(P@J$,F>CSF\L;<_[S:QO.@AQ"'#U%\\E+UDFPJ*4?J/H!KZ\C"$
MD9\^#F$,!E'DI^HA25J+PQ1IL!UP_B4V+*G83)*3Q%-OZ)`1FC'IQ(,DTSGK
M2<G1L\![B`ZD7Q6Q#_4><`8DWH2C!?1:&C;.38G"%V)WF,^:HH!HND!(X^QG
ML-=QX^R&])B3$F6+I."5@G>>X$7Y1:;-,#UJ!?."/:)B^8!XMU"HD=?(R86M
MID[V8E;C,:,]:!S*?!,[(Y.7%.([M[']Z,=;T%2F84Q!F!_Q3B/.O*8D4\I2
MAQLMEL3L14;<="`-4ZA'GF-[(J4D.=($<B-\H;-JR0:5'X$(N8CG+^?!/9!_
M#J4/<"<,64XF21'!MK.SD/PI^7-W_,D33.GTO8@++XAKTV[-SVI1!4QZT.JH
MGXD5N?%_[(U&F:V5X#PO$.&Y\&W"W@MBQ/DX?&3\FRFS*S.*XOSKC/#(##.N
M<X9:,V9ATYT:?3"],R1A0CR,TQCBP1O/3TX*2NZ5W+LC[D7EFLU%Y;R*B:<I
M>_C)GBG#!YD-_K^!"^R0I^&)PUJQ<R8^+O80I34K\,@V3]`Y4E#G>6/8T808
MK(';+.;8[K\QBY(J!I`7@FOJ3!(+OO3^_(X/]HCR[D`()![A^#3]D7@J,B`Q
MZ;/G@#PXRLH62D)G$YX:F497\1ISG$U',"/R*/&3S4?"4@_B#4KFS$#LAYJ(
M*D_B^'H\$)X'=)3S::6I^SPG?ACA&)(#9CR32,H**2O6(BLRF:Q)0EF0I*SZ
M+-[LLF>*.6"4(N;2^"@F74P15&\HK&9>5X#*`L5>"EY?E,+#L!#LD<<PT"6:
M_$`/PO>A8'AC>`Z$LO1PLSYR^#Y:.%:S;)+DU\8>U"B(S]+Z(.[(^`]CD2=^
M2,<5)_DD)GL\.#(J,F=ZBDY2)52R@]BBQQ'11B&3FI3D]$?<"YR\G)*/\J(Y
M<9^68O$#]/53OJ$HI90D8-L!=W6CB]XDTJ&QQQAA36R+*('L"H_-W@DUQW/7
M0T;K%)]SCQ.W"YW8`BV'?]#T3\R&X.E$F?RUA*6`V!0AC!-5TVQ9_FN2!8QN
M(Y$:^YP]QH!!#,NFXE9/Z'9,\NHR,=S8NY^/'HALD5^I;!!#*R",!T#6`/>H
M'LWD^18^92HU>=I^<'`@J;D19KR@R0E7:OWEO.7=NA,O%#L.;@(=/F#N"[='
M:4(SY5;&3FL2W4@_.@0Z)QL<`V_S73I3&\<9IWJ"IO3(9"],CV@=)>$_Q@]\
MFJ337(N?#'G?I93?2<:'4X(G>S(_#F!S2XT?[TWB`<*59()%<,S[R,79I+F4
M?2S]D#^H+\`89/:]`;F">4DMM-9-WT(E%ON]\X],SHWR[3$]D]?7GG@>-ZB#
M,5+!0K]O<OC9&WMX6M:+@IE->WKH!5W%26V'4>))3Q0HG=&DDDKQV_!^RB>D
M5\8!T24IFZ4G1@Q)$2S*J)S>^0<H"7(QE:2Z`H^1I(-,.'_V]%JBP#-1`0!C
M;!'%A[RRE8;2O<P;6?YQ?C[,*#YG@1F39&U@$3(_FH2X-8`O>74(%TF!NZK$
M`*.MCD_5R2S<Z[$L\6N6(O'S&ALS]\]YKL39S8\?EU21B"=,7/6QEP6O\'?7
M/[^L0Y+6_4PL/G)'6'B."Y1,5CMG$S"S0I&]*40FI1CSQ$%1B%(D`@@+V,J?
MXDQR+4<CW.OR+\R'P/,?,NYNX2K(G&?B?)<,3KP<>`FC?O;<8YF+<P\2IP5<
MS,4L,(Q@XM@QP"LAS'NM<%?P+!+*B`R".!@H3*.'3&0R<T@@"JCJ:";O))$,
M<9I#_LQO0H3`'*?'$]-H*,_9(C'T.K&%S]^*:\<MGL8)@"T4U4#X8A>6."N+
M#5XOPN,M-$CNNU,#2>D1>YOBSAO\-&O(QK'DY0(N_KFH\%RFW!R,X6:2"QB;
MJ8J)7R5"*+Z5AG`H9$HOBBL@4?43-LP":GYY5-+J,_<?OIB]O_LYN*_+V2->
M;I2.`XES<QQ"\<'A](C=G'IC\::"7T2F0L0]G\#1AP\6K#EQ?//G->KARXN^
M<GD]^'F'.KH.V)FRN.,4>8O7<4V+PB:^8$RM$0>&V'CB>&\LK7.=.HP+<+A(
M2O&-N^USL"8''^+,&Q&W%@4!>#8CYA4Q):X(A`8RG3'-5.G,N:\S[NV$*:;>
MDQ^U[?*RNKP*\!0UA'3&'?G4(=?#9Y?+Z_O>]??+TZN^."4TPR:'-^?OHGSJ
MX0N$>*;`##:EH!!#)1M>@/B#,&<S?<JX&A%,%(:^_1#Q\`W6?'3C#3Q]@Y:Y
M^TAEUD0:<\*3R4O,(4\GS#L$DF+*J*#B>K9IGLR+=QR$;!)[6GG('2UX<<`@
ML^D%LRFY'R-6(9TC"'FZL9MH0I&O2^H2@]_P>L?B5;9HRXO!.#.,*US/"<$G
ME0DQO"[.P2<'(M,AQ75Z8_\@?Q>%)A3;YU5!,,N9%^S%ZCQ4M%C44L@32J0T
M!IGY9-Z4S1V*J7#X0JO?N[N&*P?8VI`VVC?7RN"/WET==/PI@'F89*$C/)3@
M29Q,H=`VU7M`^+Z(_D%)B@CNA[!X(UX^5;'CW':H=N."YY9[)-\5(7YC]S1Y
MX9U(G/SCMU$U&DPW!FE#U1+Y<Q*U[@Q%T1[@"9^28=_B:W!H(7P7Q@6@PJ22
M3<$DP!*:>.@<AXU;NFL3_E\ZI!"?)M14XZC95H^41O>HT]#YZ2&MTSSJ:NUD
MGJ/\#%XP_E;0-!+;5U`3"SWN+*@=90X\X;$+3$2@VWF%NK1:*4^*Q9*:B;O!
M*EJD[`HDL@A=U)X2>,H+29X'1@=(CF/ZGRC]5_0M!XSGZXJT@<P5BO<.F7+S
MSQ4/P\G\8IRHS32:?)S^^4OSI-T\4G[13SKJH@OPO7"1VBZ^J'6BJ4M3&>&-
M7@+,>/"H*K\X8YJ!$E`]&B:';C/B?1:+O.+GG"68%KZ9+E-9N3+=4RJ7'S&3
M'$!?7/1^7%[]\]M[HH:N_4?O[K)WG4D:>+]+[8QL+$P^*!28RV4DS`K1!9D8
MQWH#I*K*_W_-.1DMM9--R<BD*93,@0#)_UZ?X=.;N_/^74*N,;.PY#@G\"(\
ME.M^//1PWNYOGXRR:1QR"CN80KY9>\',,@*@4Y@<E)U<CD^Q0]R[Z4"<1\4T
M][J?=RE"3*WR@V.":M)`A)"CXEU"\0$7DRI=6TVC*?T3LW`9>9FS#:LJLM)R
MS4NM.>=G-#,DO4K12Y?T*D4O3<J/]:]OP:P+YEB\;@M&/JL3/E_B5L&+`I,R
MQWFB=&8/:IFA^67Q"L=S..V=_?W[W<W/Z_/CLYNKF[MOBO_X\%E7&T=ZLWD$
M__U2E,Y;=O'S]K<V:U4?:XG+Y1K35S!AB5PL#[[R-3.%_0+`2F].LI&3]_Y2
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MD]E0F`2/!,\RX&D>:<T%<>>]!4]5`H'G#$]^NS(46+M`@UQ0N:!R0?=Y0?<G
M%/CG\@=%/N/QK.%,8HP$YXKA0:USU&WH&]R*2>&SY?75ND>M]7JJY!)N>0EU
M[4@3_I&]6L)*Q@S[5-J3:H;QXV?\K-I7<4YM8[Y$Z7-?<T"PNTDU)>,Y-<-6
M:_-N'PF?PX6/OGF7<YUC@65VA.*@^SKVA(?O8-\,OY0.`,(F135D!%!B;*T8
M`U2U&VO-M90PJB&,8/NMJYO/]:EP5+#4_GM>\1,9$%R71[<2X0:YH')!Y8+N
M\X)N,R"H+]095+:N#GAS=G4L4#W16QO<?DD)LYW#9;",:W5$R77;VKK5.;Y7
M1A>(8J,UP-AV,CZDY#^LU94JH/H+N.>Z8*IWYU?+?DX^'%Z]\,']S=G?CT][
M@_XYE@N_[5\/>O>7-]<U*!>>+25/36FQF/'8LW@+OKBW)E9\'K/PR>,%M$5Q
M?M'0E))LCGDK*ZQ(S=P@KLF=>7C2NM=2?NGHV!WO2/G%Z%";/"KFK#5YRSPZ
MR!^:K[EG)9V71J(["+:Y#XI*._.WCDP[[O-!U9BQFSUE`2F/5*HZ;8:;MBSA
MOV#'$M%G`+\\11?R\6#XY#D8A>3/P*+8>`'0B3DGL"I,N?8P?MNA\5DP?-L)
MXN>:01"-1;EL(+%U^/7W>V=G/W_\O.K=`S_=W/_!B_#?WO7_`,:Z_$=?N;H9
MU*)54[9-0[9W!B(;)B5:A?&.7?B=SYX`Y,ALXE3L9^P4\66)=F-GN;MY=YRX
M3T_F;=2(%B^UJ>\<;RC&F^7$+^'-/;$FO`M_87U">"86V'AP[,>TZ3MOI!8W
MY%'PE"YR!+7)Y<-F,'"\.#G82ZVF3"QCSH:13[W)CJB2NNA)#Q)"-!0=BO=D
M.L+QWK[B;?PMU/6M1BUM1QZVPR/!Q*O!,TX7T;@[#RH0T1'V[";Y5@`P)%Q"
M?9"VWZ9(*.O2[UU=^F:SD2&\K$M?K2GL::G>/=S$[5\!YC;-J'>OG/?/^C].
M83:REON!+K6LY;XBO6:2JR4_5*$V.1=MGR^OE?L_;GX.>M?G@]W5("]5&'!V
M7\+WWE/;%\=T]W&E#R:L_+EUU-4Z7V1\H?(1RL_=HZ:N;G[EOGS$,;VE4PPK
MGCS\.<\C\IXC9`V8D>=^MG$D43M2&YLLKBV/E=4,7HTCK7'`)\LV<S!\U4-F
M]UYH.DOY1C?%,8=U7F,35N=ZCIM];AYUVLU-FJ7RH-#N@+?MHH&`)J.]UEX,
M*Z+G0[9SO9(ZSFZN!S=7E^<4A1[<PW]^(,%N+I2SWN`/Y>+JYL\Z!*%O8.<!
M^BT3.<9Z6O"JH1D\40R5_DB;K`=)1_?D"BMBO.^UQ29>8(>>_P87!:$=1I36
M<`2?0(BP(%0>F$E-M\65`>_4'3QY?G@,EXSARF<6!W5M5QD#7=^4L>G_Q4)E
M%+E6D$\;&9LPD%\THTW)(7"#B(QC@LC$?$N>@Q[;7^'"AAY?B#[)7WEJ2;>=
M^5++O^#)M'!QCVFRH6^ZP8CY`5:AYJ8!;N@P5P330KP7="U]OKGKWR1!>7.,
MJ3`4<_VEW6IE7D3C.=)SW\4CTEK=^4.B.8=DJB1T3>:*[VD=M3O:U)LZ1UJS
M4?0F]:C5S;^,0'_(^2>7UV<W/_K*?>__]NO`XN=QWQ-D"C.@O`#/5QS;?+`=
M<B\DB1^1$`!IUI-EC^!NY@X9\&[XPAC_>F2[ICNT`8)!G&A">,JP'\D1RC7@
MKZ1\C,P[TR0JYII#?#&P^2,\UZ';?7CL23KVS(-%KA=-8@B_V2)S)3=NGK42
MQ&PX].`IP<3C%2)H1%D:O''Y-0':>Q8R-__KI)!V^"[X*AHR"R3;2''9D`6!
MZ;\=*0]OTTP?1,.GV-N,V3UF2/>[7DCSH'G#^QY8FK["YQ%-<DXA1GUMAJP.
MW`G&97]PK]R!3D8U#7,ZNZ\#HQ;F0P+>'`?TI0_Z%Q,MX7.@,)N43S$S>P7I
M8*>F8R(/#YY8S(MC9@:13RF=7L!(8?L15R(`TC1#\D2YH,!).@"+!?:C2\^%
ML61R*9^8]8BDF6*^?+8ESR*+GT9#H?N`QT&0P,3YSAN8`J\4/_EV\)=@O"1/
M%)[.Q%'R$^4L?67^=?,&SMM#(9_R:9""'SG>2S(+,0*PU5&ZP9]O-`)&Y>-H
MZ$%R;3PTW^(#^W1#"U24=W?T*<ZKLC+"A8F.5?"<('H(P-Z"ESK9K#=.DWC&
ML"40HEA0B&P3D*.4&4=###+DZ:$I@Q?"X)()N""VE!<O<BPN?[*4Q2<+F9M*
M>`=NYJL$\C$T;9<D>&ZA\-=ZY-LEJ9ND*NPAL.F;0KME1"%0)0/R+'/!+V-@
MPJP:=1\S)C(J/L("VMR@F0CZ,!WSD2^"RYA%J@45RC`*8!,)KSQ1?J+"H/?C
MJM`(0DKP+'IY?!]_VI$0&'Q"V3EXHQ&(&$KE)H.=LI3Q(;#V8\#*.\,6V!!/
MCC-.,X1)[8B<_"%NFL"F`'DS*XR4%Y!\(ATTB)PP#J&0#/0`SEDF'$;`76X8
MJ_64&^YGZ")R5N$UA3.>9F\O*W[Q7OY%.2E\^*K\KD].B-[9V<W/ZWNX!S?:
MU^>]N_,ZJ/-+5_GO"&0"/X6`8+A(T-Y+CT@,L&Z9Z0-/GWKP'^7S16]P"OO'
M((@`,H47_IS0,83/O<'/+_3X8TT[(BJR,;Z:*QKEGM3*YWMO8@^5=D/]\@W[
M)6*>N1DW131="DHFDA]N44Y%;L2?J&%,ZL)T,\'N[3B(*V2R,]/WWT:>_P*C
M`=VG#$`6.*9/=U]1YC">`J&/9V2@Y^Y0^J]V$,.?#Q@XTDZF94XF#G(0"`\T
M?6"XG*/(>'XRGWEF>3)DVFO$!O8+'S,IV&3,)!B&4V,.Q)CQ=B<=,YTLX6/.
MW@%6`(X9A1$N)!=.Y,B@;4K/G3LF\5RZ/J'Y_(N#IU@?BR,!J3HNV'.1,6CR
MW0@]'FF6LRO$7H>.Y:R?+$=`ER$#KD([D/+/4;KF[*9-+`9@!3=0Z>ZH<%F`
MRJ!IZ`=ZKOD2FY^$L"'=^3\1*"K0WC'U4/;C`T'#8(HU?DW**=Y]QCCD9A-7
M0GSSR'?+@8E4("F/2\T=44*/*%ZIT5@>X_/T4:6"!N)[Y1"U*XPT"MA1<M9"
M?)W<@FK9M9++Q,F-(E30!G42^3!(<>$\<*Z&S72++3Q]^`@<X@.Y'!XH'8NT
M^NP`A;,/_PX",GZ`9,#B7/L6S0B0D:("/N1\`G,G1D[,V8?10A/CSP%89D8P
M&_++(66B,5TQA85XY1,TS)$E-&.8K)4X+\.L<,SM0'`!1W8`MB<_\78DG#!H
M!,;NC("H2X_!?9ZX[H$]VB[9[^8(KE;.V9"-'^`/K4DGYHP3K-/E(!>(4VTV
M%>P:VR$L^\PH4RIPZ9T[&^B\Q;)\ON">I74Z2TZ7.Q9FCAL*IBD<&7P&S0@+
MP(%&*@-E#+P7#P_A^3ZP1[$$N)LU3RE*\E]&]]>@$,Z'OZM!@\5T(],GFZ4A
M;!:P1A)C!*B*OQRKC:RY<0?8`8,>6"Y((TW'Z9_W/@6M+`#90PCKB&;W,(Q\
MVL<^O`D;P8,]Q^=!]!"2N6)HZC%9+'?3Q[Z`E>`1Z`T+<8'NT`'?YP[X,U!!
M\%]?.-+0]HYPD_,#&.P1B\9>>2:>LL2=TH6'6VL/72!3EL@B]H.Q`-7?A",/
MPPVT70^)R9&3250)63]*7Z%X0]B-"/XTA5*#2^#)&'R!V?A\?T]@]8F@R$1/
M;P'N+)7L@T>H=I+Y9P,0P'.X,7_#_-V$$,3C]!:BQ3BFA>,AF(@6PIWT6?O"
MG:7QZ+R'>)/OL$?TR]HA[\#)Y=8[@Z!'HU?927IPFWF:P"MU_LH'S_>]%TJU
M<)_9&XW9R<0WA)IY]YUB;,D,4*,#;()XR7#2\!<`\O%I9FP6XPH-Y%>$WTR-
M-;XM-5<X5<Q'GY&(`#LP,1F<MR/A"DZ@%*OQ6#P3%%S@-X=ZD<<O&@$Q0!O&
MB\%]R=GA,.M].CPQE,9O>6+@"V."9W:S<<"-MLR%,`ER@&+TY/>7(O9UB[6#
M']!//DU8=,+YEG`D.=Z0'D>$2@):"XRD\NIR`J((Y,L#AA]P.,GV@DQDOAQ"
M<2ZA3:=O>$^M-FBO(*PU4$4*<[`7!:I'U+/3D)F:#0^9Q,[?]!R^GU.-Y`GD
M)H8XE,]W((LNR:A-85QGHQ,;TJ#_Z_BX[UH7OOF(/Z<Y0[G,@_C#W[Y&P?&C
M:4Z^#=)AI+OC6P]6%9;Q'K8=IP"COW[_?_\?1?E;<@\6(1"]@OO<065;OWV:
M_?JDT6RJ)YG_Q<,0+B9LW+'1;Y_,X-@;'?,MMWYL:#.7XPV1:_.K?P[./X%4
M&=ICTPE^^W1L?/I=TPQ#;:NJFIG/S"`^,'9MB;'KZ=BU<F-7&ZW.YL:N+S%V
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MS;]Y2='1<PIHWE(D8$!=*:_9"_T4I#-[]U)`CPIVN*JCT=$VBJ>+^2:<>]3V
M,?P;>N)3!S[Q)ZA%ST@FS[MF9N>O"F?6U-3?'6\)<M"/-[S2;?^5^4.J,OHN
M:0IOPP5NQ!.;3R#C6-7P_SB!,A#/W?L^:8Q&J[TD90J'NT,J-=^GDIZC4H:%
MFN6HI#67QL^^4:GU/I6T')4RBJM5CDI@/&R<2/_`7.ESF\X,67<LC?'>.IBT
M,)],"V_DC+-X%[44YY7;4K66$4L+![YCFC67I-E"/BQ',Z/J-&LM2;.%7%ER
MZ[Y%FBUE&N2OW(YEL'R0Z[WQ%A"#RS*D5%_4ZT]F/_/3YC1\P10[!5;?S(C6
M,*'-*..""16YF#<QH<WHS2+F+-AROS>AB!\DZ+G6K1>$YB/+S6G>K]L%GC;%
M6?-&M;:I;0V"'6/;4]L:&#N=UBI3NS?=1_O!86?FQ`Y-Y]Z+O^CQ@V0XP7>N
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M+EFV/?<MB*IX[N]:\]M?]RW(%AY[[.K&OLU^*\)`S+ZY%MS?V<%?IUC7K2!.
M,/W;/L2GIL>TEDGM.D2UD4GM/$JUH:7:<:!JI5DMYTM?_J[M<:)AM(IC#<L/
M=F<4VE*X2FUWJTJA;<D(P]";A9ZB"M!H:T$KM6DL)7$V1J-[#Z_]DV$O-F;-
MVC\?>]*.(U@?&_S>4W:',:T#I^Q.HUP'3MN=QKVV2-MWW/(E;MMB_$MM&(61
MBQ*CW2&1MA0":VG=I38_^TFDK64L=3OMP@A/-<BTM4!8L]W=-<NM*O27?-16
MK<#61PBY":&_!>)NS1"L(W&W:`O6D;Q;-`=W0]ZR--RA!.41IH8Z&V-99I!;
MI<;6XFVYPB7[2HWM1>`T37M_5[5S>FPO)J?I:F<M]!BS<][2_8>)G5U"/`V+
M'1#^R4S_@EI@$AG>NVS3YR0;;:,]O?EY;TQ+3/7]66YK@IK:;"PQP;)S\R+_
MG;G!%1N?F];J3(<M%@QGR;G=N.\L&URP\9GIG;8^O8V:/YPE9W;_Y+-WYD:7
M;'IVNJH:TZ&41>-9=GHOWCN3>_$V+D_T1G<ZZ#]_-',G%DQ/9+T'_0N+FZN=
MYEQ!,5^\![P8S(W_P_-GL)7[<?.B')AF[@2R(UG39#;96L5H&M,GRDM/YHH%
MP?V3Z?*K9Z:3_WG'^,H/9HUSVN0BZ1W5Z,X59(OGA`V71F!=C>C4/3:M$SWK
M:$KS?MUJ#89V:RK39]ZHUC:U[=5KT+<^M^T5=Y@^B+#LU)@91/X;55+B]0;%
MI&:^7ZNL**Z)V-+:':V;G<3,*#XT_+6)A>+AZX;QX>'WAMQY,V\:\>^;DPG%
MI4^G3>[Y(UOK%+=9M[3=;'=V,<<M5AT%6ZGQ\2E2A;_9F='7F[8H9AO9S([A
M`T/?I.$PV[NF_-#CU3GS@O`';^M8/)G9"SG7O],79BFY4;))C*9-.UN6&.V&
M"=%<EA`+I4M)0C0:6GO?"-%:EA`+15!)0C0[^H?IP)M)8R_I?"OI&_>"-QUU
M'S,=J>_QWZ0KJ*#01QZQ;OW[NVB%>GYS=O_/V[[R%(X=Y?;GZ=7EF?+I^.O7
M/XVSKU_/[\^5__O'_8\K!02/<I^T;S6=KU_[UY^43T]A./GV]>O+R\O)BW'B
M^8]?[^^^ON*S-+Q9_'D<9NX\L4+KDY*V7<UV786_X_;F/RZOC_^\/+__XYO2
M5CO87SS;Q7S(L#WNIVQ/UT%H^F&^J^N!-DS'WL,CSW&\%^I?3-V)+1::MA-0
M6]S[\[L`V]DG78`-C;H`&\IG"QLJ^Z+#KQ<%IFL%7Z8;Y&9681'-^8O%A4B-
MX\'E_]?G).'D.;[H_;B\^N>W]VA#U_ZC=W?9PXFZG@^<^ZORC_[=_>59[RI^
M/V+]^,$+0V\L2#.SF/2@/_N<A/%S"E>8C_?^GU?]],)E5CV_C#33>!F/]0;`
M0.7_O\2"XGH"41TGF)C(^F@PT>>):5GQYQ?;"I]^^]12.QG"^^F?%K%1TO.>
M5I)_*7Z/%TCP$D#U]1W2GM[<G??O$G*-F65'8T'@=WA0^?[S_KY_%W/WHF$-
M/9RW^]LGXY.<POY/X6L6='[!S#("H(-0+S.Y!\<$':D!YP2>8UM3?/S@.581
M<UY=7O>/_\@Q.R?#%?6.!Q$'U#HVAT,_$OW`H^#=E6F]NS#K(_X.*,<'7$R[
M:3#\E^*-."TEU9:GVEGD^W"Y<FHZ8-$Q2;H2I/.`8$$`5J+R'0S&D%F+I5`\
MG]/>V=^_W]W\O#X_/KNYNKG[IOB/#Y]UM7&D-YM'\-\OGPJHL'#6>36OS2KO
M8_R./_;,&X^Q2PH(&0>X10G8,$)/S,.;`ML,1V'D!MU'(*ST9A2^^??^4N*5
M2[_&Q[0/>H^^XM/^_./ROG\\N.V=D8WWXIN3]V9RV[\[@^7=-`GW<?%^6>N:
M*1KPGBH7KFI<E[RF_QHRET0Q&`%CGE'PIE@+!=FN%C6K%;[2KC3].,>[(/>U
M<E\K-X5R"M7<U\H]K=S3RCUM-4@G][32NI9[VD/8TVHM3:Y:U5BN\AO:12KA
MY<D.V8;U@!M$H`DD[*2DK^'B28E?O=6KO,1?Y,*4R4QQ,I,NDYFDT[=R[D8Y
MA7V80B6=OC*923I^I>.W.J23CE^Y)YG=43;V;^]Q@(NWYF0FXZC=EGZ<RG'=
M07L"Y+Y6[FOW9T<EI[`/4ZCDOE;N:>6>5NYIJT$ZN:>5UK4,<1_"GE9K=>6J
M58WE*K^AE<E,581=1FKL'[SDXBV]>(9<O:JM7N4EODQF6B:929/)3-+I6SEW
MHYS"/DQ!.GUKY8.33E_I])5.7^GTW?5NLKE_^XX#7+PU)S+I1YVVK,I4.:X[
M:"\`/+/O6OG"S3,7Q1^R);P_4DT[7]P[Z3'XS&`8[#K"O?G-Z-QV(OB6MRFX
MB4+0&"YN_ZB:=\E[MMD^@VK@=U4CWT&CY(!W0J%M==_@%&HWVI6CT+9Z=U#C
M*4U7FQNGT,Q=IV9@#Q?1I_B.K7-8I]O0EZ%.\7"W3IOM\E:KLQ1R]H0VV^4J
MK;.49%Y$F]<'W[&_X9MHPMCR@GY(?AI3@POVNQUX#5UK?X,K_O8U_Q,]Z&OZ
MI,(G4_O>XD?S3WC!2D^&$?UKPOQ_$96F7@':WK:8^"YWZS4&<,W0\Y,?RTZ9
M[OBZZ(F9UYTSUQN#-;'PA?P37^UEWCC[T/C7S+S?I9]`UZ*UF3^D>4\7R*<7
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M,`9>QXX;?.//3(:,'ZE[$AB4K:_\QT^_Q\\]C6P']3]_\]^^%@YH1M/D9_)Q
M1&E[)RD7-(QKM#LGFM'L5!U2Z-T8H.<:AKLR?GX.OGM@6KHXBMXC<X<V"S(/
MAD\264LC:Z;Q7$61-<#P!]Z-4BI\._/&$\^%C\'*,,LUU9.(6AI16K-]8NAM
MX\0P.OI)PV@UJXRK*R\(SH`&H*^XI#E]NT9'-;L9I5^O+LL&N!=^>+MB8<C\
M`)[I,RL>SGMH*S.-.Q,&NO(H?]BN/8[&D@E680+X1S+!(3"!^2J9H!03J'H3
M.`'P?RBVQ9EC!H!/L@A61SM0FP7]6Y^-F`](E_9%*50U.DUIL!8"JV=9HB?Q
MK6E;E^Z9.;%#TY'06AI:K9:$5C&TAL-H'#GP6.LF?&(^/M)G3_CB9W;I#KTQ
MDS!;'F9-7>*L$&=W>+C$95;?]%W,?9&@*@&J$Z/=W*67?RV8FB=>KKRAB<IM
M'2+LFH4_7<R:M?_#0$\^LR#$\7X'Z.%.1X)N:="I7>D]+(:;-.]7A91F2$&V
M$%G\31B5"\[9"-7E*7/ACR4])A)E`F5:4SN`@%H6`!P3=C!T/$R-"0I^E;#;
M(>R,K@ZP,UHG1JMKZ">-CEY)\%G,_G;%'DVG3R-='5(F'F)#&6FZ;^MW]PZ`
M3%;DL)L1U^H_6/CD9>R]V6\9NS;'Y3W$9N`_?[OVW%/3_0MV+8/H(;`MV_1E
M)'I5WM`D;QP2;TPSQI(3DFR188N*&BH[Y`<)'X`/BE&9.9;=D\E4L16AU-8[
M!L9S*Y_8FGA[3J,`]C%!,.`/*[\Y(NV6:DTNI"2DEH84F'H@GIK53Q$X!P(]
MFZ']S.+4F%6Q%#+8N(=WL`:#%W-R_^)).)6`D]Z5<%H`IQM7QFE+P:EYTE0[
ME8<3';T\-0-FH0$-OY('FA_([$6PQ_,Q$O;3M9A/X8J;21B[^D[?^J]8=R9@
MM[X]9*NET!$6Z58ISTH"L"$!N%8`2@E8#H":CMX'K>H`Q$W?I8ME5>C4T$KX
M^1Z95#",6?\=N;;G#Z('S[?PX#.6;<%H+]9DB54NO!'>A%$8B;<2>%.[L,54
M*^ON2@6>YX?WS!\C\%8Z+4F0RSVF_SIT(CPX><%`3IK.1>1:P6WD#Y]0L$J4
M+8^R3J<A'1FS:+OWHT!Z+TKA"/]M=YN9LV[)J8>J@8H@<$X5.UP+-XPWHWP2
MTXJ@`NFUM-5?!OQ;/-*V$D_*PR+[QJ+Q23S)HM5@T3('[B2+5I=%VUVI19=A
MT2>?+>F\D'I4,NGFF%3JT:HQJ=2D-6'2CF#2W-E[R9X)>R[M_I=<<`!<(.W)
MK?."M"8EBY9C46E-5HM%I2U9$Q9M2UMR(7->>)$OV:`V;""-R>TS@[0F)8\N
MPZ.J3.<HR'>D3MWB[*7$4PD\&0;^JS9/-!7$OVZH>A5A12`HZ!W7X\V*>ZYU
M[;FB<_&`&A>OAC/JWGOIPL-ZV8>M7^P6S&5NV[R5I7'::/6.F4Z?VJI*YBG#
M/'K,/%J[*9EG.>8Y#,YQ`VP^A5.2'+,2QTAU4S..D;KF(YS3E@?2BS@DA94T
M_LMCJF6<Z'JW675,%0@P^,OSK6S)T],WX<$HDMLK8:_G.*+`X87G?V<N'E2Y
MLP/ISU@>@@T\Q"Y+M@@?GN>'C^8C.S6'?S$KK=MR&001LT[?LLW`!A.P0#V?
M67T\@S?Q[4`>OBN#.S7=KE49=ULQW6)<DC5ZXTK[;57`256[@JJ5*%P?"K-=
MZJJ,0MGB;<NXR31VJS%N9%>T<KC1,5HI:U3E0#1=IDJB:6DTZ:HN"V;DP"2K
M8WP(45JGTP+Y!*9YKDE"57$UVP+A]`W_[04!"\^`JH\>9M^LC#9>*+ML/=F/
MS4"V>-AG]FF"6:A7/R9QZWM`HI"8)>RY%@)]PC>R'Q+/R7,DII;&E-%J2)&\
M-,)6*?`M!?+!,H^N=V0X)<TX\">>#\0_]5RK+)-(.*DBJ4TZK3_@M)9Y8BL!
MCW+#)/`^!#R9;O4A`*H<@+F0B83AZC!<7@+*0%`E^"(3$I)\<6!\(0-=J_*%
M-%BVR!$2>FKV?W<`NH.GM6H0K5MI^^Q:T9JFORE:Z\>:FM):CW'=TMI5I[68
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M"3Z+V=^NV*/I]&FDJT/*].'5*`9-]VT#Q26!3%;DL)L1E[<_6/CD92(-L]\R
M=FV.5ZS7<.VYHDC(('H(;,LV_=WF@U69-S3)&X?$&].,L>2$)%MDV**BALH.
M^4'"!^#3UF5IKR*1E(HZCBP)J:4A)7O+YZ%4C=[RE4.9["V_E[WEJX<C6=1^
MGXO:5P]/LJB]+&J_)R=?*L@\LJA]74MT[\5AQ2ISC%0W->,8J6L^PCFRJ/W>
M%[6O'J9D4?L#*VI?-0C*XN)ESIKN85GG2@).BKP#*RY>-13*XN+[45.B<KB1
MQ<7WHN9"Q7`CRT'/8$@&M#^$*%GO[E#JW54->++>W8'5NZL>`&7]H@.I7U0Q
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M19RJAR=954-6U=B'7.[*<8ZLJK'W536JARE95>/`JFI4#8*RJD;%ZQE4$G!2
MY!U858VJH5!6U=B/JAJ5PXVLJK$7534JAAM956,&0S+"\"%$R:H:AU)5HVK`
MDU4U#JRJ1O4`**MJ'$A5C8I!K]*5'O:.UFHS2VOX%-.ZV^").IJ.N8-:U?D<
M3>5+%_V/^(C5/-W?(],W@8+,^N_(M3U_$#V`H`"1$*)_$T_1H$"XA"M\$!SP
M1G@3GJ'8'6_'JUL";S$$-H6W1@YOC11O38FWZN.M41YOC<W@S0R.O1&J#QH2
M5Q_="JH/&T`$(/@]G4GR</'+VBAEI(H6Z=-M:"=:4VUFCKKIFM$YT;K=3G79
M<OHXV^D;_ML+`A:>`>X>/3QSL[I19P9//=?"_^#YAV?3P:#^^I-5JG-HKY0Q
M;MK^/TPG8J=OR9]_``),?_CT=L6>F;.ZIRM^WJ4[B<*`'J9M5U!F.-G(R[P=
M<'*E5:ODX6H>O-T=![0;QDE#KW[>V*WO`5%"PGL(($6`3KB+XD.!@-/(=JRM
MYXWM#@_-1AL,&:-))DV73)H3W&O#7YT*&S</X8`-(_\CI^1^#KY[S\QW:=OR
MR-RAC;(H>?#2!Y+W6._K&YW!#RI<1LF=%S[[=P0D7'TUDN=FGAK<X5+X=>76
MCN366G'KDE:ZY-9]Y%9=ZM9Z<:LAN;6RW!KS:)4W2(?`IQ+E&T1YQ1T`>X7O
M`\"%T>U*7"1%M\U7C"C^B%QXV<1T3CW7JA$49#'V_2O&OD,\:,WVB:%7O\O)
ME1<$9S!A4/=<U)^^79N8*'`S2K]>76@`W%SK`;828<C\`)[I,ZL^@86FUFB?
M:'J[7764\&6[,Q$/M*2F;]UZGK^ZU,@_A3^Y1K#0)"R6@$6O=L`P]!.]TZF\
ME4%I9Z[I<(!@[#T(5DIU2W`Q89@,_0,'ZVTY'WJ'>)"]U/:TL=3N,"&;^.QU
M$Y\=`J.-=1ND\BB0%]%#(.R*VH!!]F.J2C^F78)$=E/:RVY*.X7$B=%N[O(4
MQ%H0,8^UKT0ULG6(CVL6_G1]9CKV?[+G0;\#<-"K5AO(&"VLD:<:*OS3;/$@
M<5*^IZH`RD1<>>HX;EQ6.ZE%6$S/D=^\N,N6T5AQP)L/$5][`/Q24>(R4ZE@
MR:2]8S]1!4FRGV2_+;/?+BI/[1G[5=APDHRW7L8[#(3KTKZ;C_/+\00>QBRJ
M]ED[@$O#;KM\)PT[R7?2HMLVWTF+3G+<`4!;=KK?QT[WNP2$9DA_OZR.\2Y&
MXK(P5<:(+*FR/=#DNJWKLMOZ(75;!\MINN%ZC0Z%Y9"M260?$K*G8;WE1O![
M`.J*JO@=HOD0%A^+=\K$T2(XU">-!U#0EB@HMN;]D>>/03$45/BO#3S0SI%G
MX;/NAGH613#:NFRS7.@<3XQ2;D74!A"P#P+1T*S^*;5SH,FS&=K/+#X$ORH2
M>-'].\#7X,6<W+]X-0(#5G638)@+AANW/C8#@*%]<@#1A5A!](;_CNS`7BF@
M0&#X$X!P]H1>"E^<3NQ9SW;@^?4Q'P`3S9.FVJF\@!@\@9H_Q9Z8Z"^`7RG0
M1-\&O2A\\GP\%_+3M9A/,<6;21C'!$[?^J_8W2M@M[X]9*NE9Q"@Z-::Z9>&
MA,]:X5,SC:3+OC6E[1?7Y`?KN;M]DY4NJQ.D+3.K_:R*?:#\7&&E(#E9IENL
MR`>R-6+%6B/N%"UJ]Z2IJ96-]Z9&M.>']\P?(VQ6ZG%$@,D]IO\Z=")L=W3!
MP/8VG8O(M8+;"#0U&NOUP4@'.S/()MXK-/'FF!J;CA,[CDHDS!\$=#H-&2&:
MA<2]'P4U,DDZ;56BH,#G@J6%')%J5B,TZ`WZ5SO1M'8ST2Q5`\7L.:@U'*7Z
MTPZ?J,+IR![V',=[`16TI$]NOS5A4BC8<P,PZ'V<;2TAK[;;$O(U@_QXC$YZ
MTTE+8-01^A55_OL&^L,`A2%-@`70N/8.7"+6TP@PI!%09]#7VPPPI!FP7M@?
M`BS:G98\2T"X.//\B>>#3*!N>CV7UR2OX:D"P(0\55`(D%A_U,YCV&XUZWPF
ME9:_!XMO!\Q_%C8)AT&=,&#((.3J04BT+7@!G`O/_\Y<C&??V4%]`-1HM^2A
MUJ)]R;7G3N2Y5D2(+GH\ZYK1I33@M-=]5=&REC.N/SP_?#0?V:DY_(M9J4EZ
M&001LT[?LGW"!Q//#3S`9A]Q.D&5M=GZ@-O(HM4W.H/-5SB\JUMYPQPO=R0O
M2UXNFQ$O>7D?>5F7>EGR<LK+AN3ERO)RS,%5WHL=/A=+'M@@#U3<$U$A]!\"
M:K"GLZ%6/BI2X&&Z][T(_F,AH.X8GO@:AA&*A`^CBH*L-VX-`^X$%W27YZKY
M'1!HMI2U\4$D[=2S*\L5YCDA&P*0G%`G3I`QCFEF.#PKHAIL<``8BAL^5AU#
ML@=AJ547[09KONKUZH!GJ/BW7OU<O%O?`ZJ$5$(G[+D6%KV9<!VQ4K&(^+E7
MS`S8D^=8E^.)[SUSEU9]T*&W)#H6H<-T:U,F1#>Z#0F&1=[OR'=MJA[L6A?V
M:ZWJ#.FZJLLR0WDXU+FF4#;#[K`:Z\ITM/=#?G5LN%N04RH17QO$UR[(G<*]
MX@I_/X%^$`#I2`N@KDFL-;4`IC/1)>)K@_@Z6@`=:0%L#.B'`!!=^@!JF_I>
M3PM@YOR*1'QM$%]#"T"7/H#-`?T``)+5^P<"$*DY-X.4C+Z42)$:IQ@F6I<Z
M?\F>?F6@TW\=/E'O4-^TF$7QZ/5;6M5I`;;'AD%M7`-%?%QAH2\Y>*L<?`#X
M[V!95*G'RG&![&,IE=B>,[%48I)]ZP%^0Y?E-@NQ<>Y%#^$H<FJ#!-UH%-@R
M76G++.P5(8K!9VJLU%PF[K%)4YNDO2)>KK!LEUPL+9L5>$#OR#+1"^&.'4PV
M"??]%.\R#+27+"JK/]>`165V<(595!9UK@.+RO2]ZK+H(62K5I8Y);0W".V*
M>Z=W#^H#`$/2@5R6RMUR5^^=!F)D==P\^&5UW!J!7Q;$G<9_Q2V!*B'_$&#3
M-.K<D3B[]IYC6V`\6O2H.MF-:J=]TM1:E4]Q2?J4\Q2L,V\\\5RV2I_R%!;C
ML><.0F]8F_["@`;UQ-#;1M71<.4%`;!U",J!@8I@P>G;M8G%*F]&Z=<?D1CC
ML4W**+CW^J\A<RUNU-0'*.VV;.13!B[,QV[W]2NTSY&"MFE3,W2Y-]L!B':Z
M1QM,&([Y!RZ&5Q_3.D%]HXW-2B3J:X;ZZ`$!9IE^;:HAIY`WNI@=+2%?+\C?
M`B'JA_7<$1&)]9I@O7;'7Q*\']YV;^^1?A#PT21\U@2?6\\/1YYC>P,^D1J!
M2)4NI_)XJ55$BS`BG4UK%#<5206HK9M)E6ZF6N*]E@XF53J8Z@CVFKF65.E:
MJB/*:^A44J578.L8KSYP,O^[`\CL.:74UK&A`J5:E:<4S61CE-)33&E`GVY#
MD[4JRTH?,WCJN1;^!Y,NGTV'+=TW_F/SV-?",*6TQEX6%]B`=M`W+//>Y^0*
MVQ:2AP^@N-.6.:#=,$X:>KOR@9);WP.BA(3W$$"*`)UP6_I#3>M/(QL^[_"@
M^);QT&RT9;&O0B3\''SWGF$73_MV<5)@TV7N9-VOBI5UV"6WRKI?]>)660*L
MPMPJ2X#5C%ME-;#J<JNL!K8??"I1OD&45]P!L%?X/@!<&-VNQ$7\D'OSE6H$
M12Z\;&(Z6#>N1E!HR;(?<W#AD^YXVVWACVWC06NV9>&/)=(N,>?R`;828<C\
M`)ZYVZH?6T<)QM;T=KOJ*.'+=F<B'@8BC?;6\_S5I4;^*;T>?W9]@)$Y;5%E
M8!SJN80MXZ'1:4KKHA`//0MP!>\PG5O3MB[=,W-BA^;N<CZW#8SL,94J(^,@
M#W1L&PRMEI02Q5)B.(S&D8,%*6_")^;C(WWVA"]^9I?NT!OO[NSXUD'2U"5*
M"E%RQT(3TYOZIN^"L5D;YP5`XL1HIZG@547$/-:^\H8FV@CK$!_7+/SI^LQT
M[/]D3R-\!^#@5KDVD#%:+>-$5PT5_FFV>.3',#HZ_M*L*H`R812>#XHG3$JC
MQ@S\9X[%M#+)S0O(E8K'?:X]`'ZIT$^9J=R9[N/J*8@_;-<>1^.:LU_;D.PG
MV6\7[&>^UI[]*FPX2<9;+^,=!L)U:=_-Q_GE>`(/8Q:>$ZYZ0L]>:Y;Z&78%
M?"<-.\EWTJ+;-M])BTYRW`%`6^W*U+0Y1YM]-F(^8+M6N6ETCE_Z^^61]_<P
M$M=ZJ#)&9)V$[8'&Z.J\_Z71ZAKZ2:.C5Q(ZZVJ#>6OZ\&J43Z;[MG[#:0!D
MLB*'W8RX/OS!PB<O$Y*<_9:Q:W-<?DM`5B!83J>F^Q?F=T8/@6W9IE^CDQXY
M9&L2V8>$[&E8+SFA`P)U157\#M%\"(N?*?E<Q=4_S.+(VT=!6Z*@V)KW1YX_
M!L504%^V-O!`.T<><,VZ&^IYTMEHZQWCI*E5OP9>XD0\C0+8H@>!Z/JTJG,\
M,4JY%5$;0+2ZNBX+_):#"JDH?EB);V$V61*D.HZO%:-%>U0^[$#YN<)B7G*R
M=&&OR`=J%PP=M;)>D<30>?+\\)[Y8[185RKO2UC//:;_.G0BK/1[P2R0N<Y%
MY%K!;02RUPR63?,\!(QT.@UI#,]BY=Z/@AI)BDY;E2B810&=HG2$5[U&:-`;
M]*]VHFGM9M*'J6J@F$WY6D/6V)]V^$2%.T;VL.<XWHOI#C?0EGZ7?:/<(!HS
M?Z==HW8)^6P_>PGY>D`^;I66GO:I(_0KJOSW#?2'`0I#F@`+H''M';A$K*<1
M8$@CH,Z@K[<98$@S8+VP/P18M&6PO`@DJ:RHG7>HW6K6.=62EK\'BV\'S'\6
M^H?#H$X8,&1[]I6,#0X?T"/\7->%YW]G+@:@[NR@/@!JM%LR5[/(!KWVW(E,
MUT2$Z%W9E[2PFH'GAX_F(SLUAW\Q*TW6N`R"B%FG;]F>-H,)[.,]P&8?<3I!
ME57]SFJR:VF5>5EV+96\+'N:'@0ORYZFDI=EQ].#X&79\;0*7"QY8(,\4'%/
M1(70?PBHP59%AEKYJ$B!A^G>]R+XCX6`NF-!Z$?#,$*1\&%444#MQJUA<)7@
M@N[RW"'U`P+-EB+T'T323CV[\A1^GA.R(0#)"77B!!GCF&:&P[,BJL$&!X"A
MN(]!U3$D2^N76G511;_FJUZOPNZ&BG_KU<_%N_4]H$I(50S"GFMAW8$)UQ$K
MG>Z.GWO%S(`]>8YU.9[XWC-W:=4''7I+HF,1.DRW-N?Z=:/;D&!8Y/V.?-<.
M(Y_!,R_L5_RK-I)"UU5=U@7)PZ'.14"R&7:'U2]&IJ.]'_*K8Q^9@IQ2B?C:
M(+YV0>X4[A57^/L)](,`2$=:`'5-8JVI!3"=B2X17QO$U]$"Z$@+8&-`/P2`
MZ-('4-O4]WI:`#/G5R3B:X/X&EH`NO0!;`[H!P"0K-X_$(!(S;D9I&3TI42*
MU#C%,-&ZU'Q%ME4J`YW^Z_`)<^+N?=-B%L6CUV]I5:<+RQX;!K5Q#13Q<86%
MON3@K7+P`>"_TVE)/5:6"V0K,:G$]IR)I1*3[%L/\!NZ++=9B(US+WH(1Y%3
M&R3H1J/`ENE*6V9A7P!_XOGPG%4:IA^F3-QCDZ8V27M%O%QAV2ZY6%HV*_"`
MWI%EHA?"_=1SK4W"?3_%NPP#[26+RNK/-6!1F1U<81:519WKP*(R?:^Z+'H(
MV:J594X)[0U"N^+>Z=V#^@#`D'2;EJ5RM]S!>:>!&%D=-P]^61VW1N"7!7&G
M\5]Q2Z!*R#\$V#2-.G<DSJZ]Y]@6&(\6/:I.=J/::9\TM5;E4UR2/N4\!>O,
M&T\\EZW2ISR%Q7CLN8/0&]:FOS"@03TQ]+91=31<>4$`;!V"<F"@(EAP^G9M
M8K'*FU'Z]4<DQGALDS(*[KW^:\A<BQLU]0%*NRT;^92!"_.QVWW]"NUSI*!M
MVM0,7>[-=@"BG>[1!A.&8_Z!B^'5Q[1.4-]H8[,2B?J:H3YZ0(!9IE^;:L@I
MY(TN9D=+R-<+\K=`B/IA/7=$1&*])EBOW?&7!.^'M]W;>Z0?!'Q4Z2THCY1:
M!2,((])/L$9!4Y$H;FT]!*KT$-02[[7T#:C2-U!'L-?,*Z!*KT`=45Y#?X`J
M_0%;QWCU@9/YWQU`9J\II:640C])TVC)Q*QBUKGWZ=C/VVY3L[3MXJ'1:4HX
M%,*A9X$2AW>8SJUI@]@^,R=V:.Y.%V\;&*V6!$8Q,(;#:!PYF-9[$SXQ'Q_I
MLR=\\3.[=(?>>'<>^*V#I*E+E!2BY(Z%)E8`ZIN^"Z;=[G:KVX:$VI4&QARG
MA<]&S(?-8;TLC&PUM"H#HM:%Q+8,&J.KRS-$Y.?TX=4H>TSWK3:+W]8[!NB0
M=N4#^XD..8T"X.(@&/"'E1<-9N`_?TM]1QP7M0%$JZMV`1!J9>5!`H@GSP_O
MF3_&O([[MTEY1Q\!(?>8_NO0B2P\JLPLYIL.];BXC?SADQFPW<4"MXZ13J<A
MA<8L5N[]**B1I.BT58F"6130=M0Y-=V_=EG*:.MH:$M#H@@-:92H?HAH&3+$
MN%*(D9#3<QQO:*)?_,+SO\.F%`R..SNHC3?#:*BR)LK'0M0_P'9]-!\9!JB#
M&W</\M:WC2&CHY\TC%;E,72'C?56QX'MVN-H7)]5;QMRU;_],%_KM.JZKNK2
M<Y%#0*W=%+*FVF'45-LV;&0]K7VNI[5U-,ASLX=T;G;[\)%IU@>19KUEX%0X
MS7K3E%)32ADRS7K_TZS5[>)!IEE7)<UZV\"0:=853+/>.DADFO6^IUEO&Q(R
MS7K/TZRW#`B9,;M/&;/;7GR9UG!@:0W;!I!,:SB\M(8M8TB&M@XCM+5MV,C0
MUCZ'MK:.!AG:.J30UO;A(T-;!Q':VC)P*AS:6@NE'-O]Z]O(\T+7"]D5?%!>
MZ:OP;0)38]2+BEF?Q+>^Y^0GG(64\15__HH7)J3,/3[W:)\%7N0/6?QHQWQ@
MSF^?+L2U_S+4QK^<!Z?,F^/W$/SA@>XCS,`]_CGX]/LI>[1==!0JGJM<L`<_
M,OTWI7.D`!U;1TKXQ(`9GW%]+`6[/BLOMN,H#TP9V:_,4LQ0@9N9`M0<PEHI
MG[O_^PM^4$S7C<8G?_N:F^<Z)M]<Z^3#%\9<Y;]-EZ:MT;0;,'@KI46[!"U,
M_KWM*D$T?((/[B-3'C"=3XG`]J%'..R9.8HWBFD&.R1E^$17PGW_9W!Z!8_D
MXQJP2<@%HJ'2*`P:&C[E%!X*)&";('%WC22^?V(!4\PT=*%X&+M0AMG@A>)X
M04!?<?M0,7TD!I[BA!ML3C?\.0K))8'4<UFH<!ZVAT`P*@8`UP2`P8`QY1JG
M#4LY\@"+241-L>C45_!E(=D<;YBC&'E"/#^FR)//1K]]^J_9^@:],>QX[?_0
M$&]&URR\!P`$]&JL?1C>/#CV(_V*0K:1$['YQ5CKL_\%X_^D?"U$1L_/3]7T
MA_%0X,]WUEY<\75D#L/C#`;X&WQOO)&)B.%Z19!%<\#_[9.&!/VZEC6]B+";
M87[0WTW;Q<:'Y5>QU-/V:]U6&/KN5^H6Y(,_8/ZS/61G(!MX(=+UK-N2S][_
M52PUD4VNZ;RH-D(,['BT[,%&Y%[IGO4_$;?Y+V"JO9NS2U$CIN?RZ/@MS,1G
MH>WS4Z*9*C07G@]B)\;N*0,5P>[-U_=0L6>CVR6N]I(4!X=,^/-FM*_`G#NX
MVN'R'4H<'"SW%9$2C`N)L$D<YA-,SL4>^0ZV>[?)'I</"\N1M#$ZC_V'5!US
M0'D3]"D$K>&)NUS[M0V_<-4:NUBUKAAD>E8[&>Z'UF[!<ZNS@N].HG`=F[M=
MQ_CT];K7<>:Y55S'.9,HMXY33B;T(L/WW-T,?_S_4$L#!!0````(`)597$28
M!:9T\S```,"\`@`5`!P`87-R=BTR,#$S,3(S,5]C86PN>&UL550)``-YM1!3
M>;404W5X"P`!!"4.```$.0$``.1=67/C.))^WXC]#QK/R_2#5:)N=TSMK'QU
M:<)E>6UWU^Z^;$`D9'.:(M0@:9?FUV\"/$1)I$A02IJHJ8XNEV1*R.-#(C.1
M2/SU;]^73NN-<L]F[N<SH]TY:U'79);MOGP^^_7I?/)T-9V>M3R?N!9QF$L_
MG[GL[&__\>__]M<_G9]?<4I\:K7FZ]9OMNN3%]JZM1WXK-?ZR]EOMV<_G9]'
M3ZXXLP(3'F5NJ]LQ^N>=[GEWV/K/UNCG0:?U\#5\$#[Z^\_BKSGQ:`M(<[V?
MB<??/I^]^O[JYT^?R))RVZ/\;6&[Q#5MXK1-MOP$W]@SNCWC+/K,]SEW+#_Y
ME'C99OP%GNL,/H6_3!X5PR5/OK^_M]][\EGCXN+BD_QM\JAG9ST(7VI\^N^O
M=T_F*UV2<]L5PC(I?,JS?_;DFW?,)+Z4<.KC::IZGQ*N<Y\0K\[CQ\[%6^=&
M][QGM+][5DSB'C/9@YR!L%NM4-R<.?21+EKBYZ^/TR)1B\<^31R'O0LF;QF_
M8\2]8YY'/2!"?N,KIXO/9T)OY[%B!(U_EN^0A>,8\9/^>@6`\NSER@%Y?4*A
M:@+H!F`^4I-QBUI3]XUZ_I*Z_M2=+E?$YM02#WL3UWJDCH#SU/4IAX>F,!&6
M\H,OKOU/:EU3G]A.>38)MVU;_LVM6EF^<HCX,5N(MQX8]Q?,L=GE>O("4_,*
M6'QAW*:>*C\F<U9S8EIULB(FE14X=+;84M;E6O*HRH'';&=NUJN,+1T\!<LE
M``+`!!Q45H2S\NKFXIYP#B;LC:K2ZM9+YP/E"\:7@'.8S_?,726O9X$O5S'X
MYR5QQ`>5Y;XB+IO7R\\C<QQ@X)UP:[;(?N1RO8$7?1&6394OSL3?\Y57+V_A
M9%C/%@_<%O^(J-^U6^J3?.6!I:J7EV<R=Q160!^+.-,,EH%<Q6;^*^57;+GB
M])6Z'DQ=06DY"IF)MD87$;@Q^),E"P`-L/X*4V\O;/A(X,\6-\1\%1\#9]2%
MEX7?J(0?X-QCA#,&J[YX@;78E1?#U2MQ7Z@W=?'Y-NT/YEIE%@&96+,H,4Q/
M-GA^"]LDK@^T"SC"ZO$`1@DD58Y,CWEDA40FB&]I2U=6.*]73%('K^YL,H<H
MS"]+HTG0ICL0!;;8MH3*HU7WZ952OR1A<Z]NNAX(!PF^4A^4[I0E$D_!&RJ?
M?/@[6AZOB/=Z"ZM022G"Q%X8W9I)3$_M,)`J3:Q=LSAGX"3*\+RT/!D2A=<,
M#"00!=/Y!F:SOYZZPGN5Q)6BS2(42WK7MF<ZS`L@,I[,6>#?0C3V&W$"^I42
M\:X49DDB%V_+CZ0RY6.`[R:M9\IF1D]:,Q=<CX!S&3!XMM)Z*ED$1X(X2\;1
M0H9*S,;L33:/SUR(E/C1S"[A)W/G2,Y#+K.SQ6W\]-3U?"YGD#(#;&%_J)H4
M7!\I;RS?9Y,?>Q*`*.]%V%AK=19%*?<8W!Y.3#\@SE?B1[\&SRUY5`4(M@?+
MSY)Y2!`^S$G*U@-3)N4N3,;-1[QOMO_Z*TQ3XHC\41AVJC('CNM[@.7>9[%7
M*6]D>VA9HR(P>;XT?[`B)+/4$ZK9_Y0RKN;"RMAH.98L&A6,BNUA6129L"U%
M`U84(BD`)"H#$2][*4E*XLS*^2X',],E:52`$%H\OI7'#;T8""F<0.1RGSD+
M@$+KFL[]1RJ6?U.L`NZ+]VSQS<P^^!465Y&Y2VS?XK['Y#\:QG$E>QMQY#:-
MF8WZ]G?O9HMKNB"!H^;I);KC-K.:R^[V#F0E!FV[N>S!BVI::]QT4R$?*P53
MF7@%TQZQ@&7@;^!KV)K22^K2A>T_.&4]!CK'RKT]P+"4<Y$I8N;OI8A9845`
MV[1LYE'R_K7]9EO4#7__0(5QF[AN$$8**C-M!8[JRO)6!&FB;7.B`,`5FGOZ
M2%_$E@3CZRNRLOV265]NUD6.BOHX6E7`'ED*NN,FVD9-N&,,EDTX`N4V9'@M
MM"B(Q^-8XLE-SL=;BG(6OC+'HMR[^2.P_77Y)+U'FT-UA5V;D`6TG1OBO4Y<
MZSJ@MYPMK^F*>;:8/")!:?N!PF8#L1:6C927#,DJF73$FC:O$/>"M[N\9)RS
M=^&:E)LU<ZP*!>M-%@<)Q=U2P!AQOH`3+H+A2^+^#EK])2"<@(=.K;\'KLWX
M4S"'X`2^R1>+K5C?Q.2/?7APO0";(OE;LCID\>K,R<L_/*O^A'1V*ETEAXZ6
MW!*!T#/Y7C:;A9;,HL2CJ8WW<HD1+&=!6D*QU4I=3R:.RWO.GHEE^P#X8*AM
MF`)A,%).803+QG'[329$OE#K12;4%7']BF1]PS5+*(^XZ]2T4]OP79D+)/J>
MJ$--L&C_!=8.+)FS3J_+";W7Q"?E\/:'N<`+*I:VJ/1V+>$.K(1RRPF/4"39
ME2H@4O$111G1QY8[R9_E_$-)+6)@OJ=ME4"24!_7G5+9R453Z;Y7I8*V.5I]
M*IISI52`FW*QL#A5]+$4M__!T\(K`$A<+97M0[3<X*['I;(AA9=XR'2\5*:8
MB6;.#[D\*C![M9$,9:'GHV+.P?]!(K.\`Z2B=^$&81%<:AVOM$,H5W2TS?!R
MA*<*V4Y9^BY9\\*R]P_E[X;(BA]QA.GI%::(,A,4[P!/EM.EM*]`*%998.1U
M;=`1G^X2.\3A[Y1J`3TV9Q9:YF6/VMB3N?DNUA(Z<RL2;=,ZJ=Z7\6PQ<^G_
M4LYV_Y_QKTP-S*$*&%O6QT^Z=!"'HR4J1QG^OI+YP#O5B.;P[X,1OBP>3NW,
M8"H<`.@1HI\P*A[/33&.MKB7JGZN1+^L@T:L%$WBH`W4(BM]RWCJUTJ5H+['
M1(E#K52+ZBEXSK&E=WU)_7=*W0B`8H<M$%M3\)E'@)E8X1<+<'R3<SO1+U2Y
MY/,%A!V$VCY'JS?.X/4Z*C"`M[,.=ZAR8?F$H/F%F0R$VYQ3]Y[Z)^;%M-VZ
MV*E6]NVC3>:L`B.%J(W.T:+U+,HJ20]HK%5\&2>4HU_/YH[]$AZH`\"*AQ/T
MW@:N%>[J!TKP!>8$?N>,K`A9H(4YA_F,#J3?,_]_J+]I"S/Q4J>R8=:&]5>V
M^2#B47&6PU,*E22KQ%US`D9[M4*KZ"G@=1-B[VE5G1MPYS^$BV_4?GD%%J(>
M0`##8+F2P/S5`[,J2NVI*)ND^\A59O*=D,"W/HK3!(+>%@:CARMA4,`/K\W,
M87;"M$YL5[9,R+ZJ-E-QZN[G@\)5234K)"4`%@?,S5P4BX/WU'`(GTCK(8P_
M3O/RI52V:+1B5IR,*[P@KL!NYIVQ53>:XCCMQS!QX_GV4F:Y`Q%=Q@^1M?+)
M6LD)7<SQSBCM[`XI'9Y"@WCV]E"US+N)F'?/)'.#`_E[L)\@6*!:6F$1%]K^
M6I$#CWE@23^*C93-5*8;C>C=*BFE0`FK//_0UJ%29N85Z_11X=[A5C<7I2T*
M<V'/L4Y^%Y*=W8]$E7YP69K`0-*?1IU^O"*Q(@8J66=!--:QR?+[STI636Q`
M(U%<INI=A=:P^!V+V.+N66JTXNT?;Y^:J@94O)8*VP=?E+!8JB^N21Q39"(`
M/7?P.G[>]AWX0+\SZ(Q:YZW-+@.\F-S=S;Y-[J]N6K>SQ];=;'(/?ST]W3RU
M_A*UQFVQ14MLN[224_>BA[7LC]O:]&7]J?67B)V?8C(%Q[5WY@UE0[_[5&3/
MPN;-L70@1HJ><LB<.I_/X(W_BZR#^P*A,845?>YD]#]^(!`>!K1M=+KC?MOH
MMX?;2HN8E!VD%\2;RS;2@7?^0LA*=MS^1$'?\3M2O><=(VI(_>?H;252MOF5
MT1_C,1B.9_CFCX`XS^P7V;2</[\2]Z)S3=9>2A"C#Q9$`8FE!)2:+Q,>RVH!
M!ODDV/`9DL3%1_GGLVZGW1%_SEKO,O,AF]+#JQ6W86KXZ\]G\"+P@'TF7?K-
M>2_"S:W9N=_^/'KBDR?J<<2'SVWP6;:%"L^<#G'#SC,;7^QR//A8C.T1I1NJ
M#DLUPI'Q(^&H!QP/=CD>7'PLCO:(T@U'AZ4:X6B@!XSB*PQD/LS;<'U/_<V>
M>)@*;QO=P1`/.PJ4G`(PQS&NA)<LV/V(J]95P$6L+*WJ^&-M3$2*9D#)$F#S
MEJ6_?LH*KU0"KZY"X!750(O`*VKWWXK[_>\'8Z</O*K=-7"*P"M-SQ5`S/9#
MBB0Z:EW"\R@Y:=B5-\@5<YRPJLQ9W[P1)Y!9+,;#:UV6T72YJ#7^JDXKDJNC
M@)4#!NE$*D@L5G-,UJG`.'4MT3$)@M,\21C2%QPV`8TEB-42CJI*B/&HBZ_U
MX[KD9:=?.8,SKM7'K,>VHSF;BB*-PQ--HM@,AHNMA+1&HSHQ5$Q3HS&D*-+$
M[K8'#<'0<9%+1\8MR7XU_/MJ=O\TNYM>3YYOKEN7DSL9P3Q]N;EY?E(./PIO
MO%&.*<+ZD/:P,\`#^7:G'G7C'^W\BA_B?"B`2NZK^E>$\S6`3Y;`M8?C?@^-
MA5(DG&)>YNDCGG'*LDAR2)HX-I,WB)&%(0&;\03<;?K-MX?&N(L'TMQQZU!K
M.:XC7?9UT>47ZEC/+#K^ND[Q9'3&8SR/-&_8.A19BN5(CT-=]"B=!<%9A,ZO
MC/LOY$5PU1UV\1:.W''KT&0YIB-5CK529;;?]TA7P"*UPI-(PNN[P`N>2M-1
MFZJ5A;))86FB^P?.5I3[:U'![*>;;0"?;6/0-0PT=1\:N@X-EV9]DP?21*D3
MT^3!]LWS9GBQ?`3B]F#4PYO'A</7XCVIR"#6L#9>U"^,6>^VXX`+,>KA.<#Q
M,'4H+).E6#':N$6BK<;LW:76G;V@4]<+N`C(V\,N8IB2/68=.BOF-E:@-LZ0
M/,\9\6WTQCV\D"0U4AVZRF,L3@9HL[IE-+*19>I@.#H&8EHV9]@Z=%>*Y5B1
MVBQB$5>/5&0VZ193`SQKF3-JC6H\R'"L16U6O`=.5\2VHD9%4242N-/WS#7C
MLJ3^:(@W,8L)J">:4!)#K&9MUL6]UD"I8TLB8!I=&!TT%1<,7H=^%?A/"GD-
MH]\?-UVQVV?HA%$"*8P-O#,#&0.>0H$5=X1V-E'RQ*#;EDG<L>^2$G'[7MQB
M<NJ&G!G&Z`)O9^SPX`U0MH)T=-M?D6Z^[,[Y3/DR=9LW\-,9XV7S<L=M@+K+
MR42W'1AQQ:84BKP>3^:I4SV*VJ-A'\_G.CSV$35=&4U*HQZFB?Z$NSS",UYE
M2#@%IE75=R`6/"PBW9:N`PS>,?<EYF^(>*JQF(*&(B!30+HM8?N=B.^9+_=8
M.SV\>9\SZD<JNHP@]%NU0E^K/>XA;ESLWC2IOA)!W&YG>HFIN*]M]'I#O*BW
M#`FG@6>>2F(@*@M#MS4G.R#8XLX8(6[A%(Y?CY[5Q*#;NI+B8Q)=7;YUJ2_8
M5:.'YU44#5_=5FTIJ&L,\4X1G1B1%322U.?D\*R;Y<EB>M3KX)F:BL##TV2!
M!!IL9<K+)&-:;A++^U:YP2`^$<]E'>(&:S\__;8EA'ZGBW?&>'>X$T_E`RH\
MR*AN04E>L>?^H:=N_8<F:VUA4ECP6U0?>T!D^5;M7"]8_,*9Y\6YYXVD,/VN
M\I0T'2!%PM/-=ORX'3AJ`$E5X<5;[-J8DNV.JN%^E=$?CE'+8G9'/(762\4K
MJ:*8@UPWV,_-KI5@RZ7H/)TP,S)Z>,[=[FBUJ^\0N[HYYL]<7I&Q3B-Q-#+P
MENS]`6O77P'/^2MM0XWHQ(+50([_0&SP,*/X,073]F!LX$W(XO%K5[&:2'0[
MF7CPWNW-/4NR0<4S^=X>C,9X$UJ1F/JA4%U8VAU;?!1M\UQJQ5>8IWB'`-0V
M;7`ZAYT!WAFW8@)JU[^B3)IXJO'8/BOC0WU6GI[AQ]>;^^>GUNRV=35Y^M*Z
MO9M].Z[C2N8M)-O\*71>R:YS"V]9@QDLEG-Z3<.?[>$8T_=4H.2(37;JBQ$>
M.'NS04*7:W'%W-2-[J-Q7Z+;GVS12E!<EQ'`>YO+:MI&K]O%JV@\CCB\LL>R
M<$@V[T\GY-AF-,9@5$%76/]9BO$!8G''4<0U'EU5A!QG`[1&5Y+1*F:\7SNZ
M2A+7>'15$7*$KIXVZ-JX[((/Q'+7K;%.H?N3+^LI..1(1:^52<9GUQ3",_`L
MI11=D2OGOOU/^1)8N\`^JW%@^$9C0$EV>DUZT;.$2I92_,P6HN.]O`A>7&[/
MZ=(.EE[Z$,M@>(&:]:A`4Z,1=+R8X^2W)GG37X@M;R68N:)IV6RQ=0*J,^SC
MH>?`R(V&2%F)Y=W9HPD0MK=P!6>(]2V'!]<*#@?D%B%BI`DB=DQ@M%TK^)MQ
M^T4<.H%?W-+PC/O@`K%UN@HEC09+59'&FS.:(.>!K*4]O&4\Q==L$??$W.V5
M"5QV#;RR9E5R&@VAHV0;X>A"%QQQ9E)J>:+M0FA=\[D<8)Y@+T](L[%339[-
MNRZLX,#6=@IIZB8-'\,C3%OU:&U#Y`H03V^I$--H]!PAUQA!>SF8AAJ>?59C
M'L'\IAA$O**Y#`F:P:5`AIN[/;0P,]O5[,_D>]3?ZY*Z=&'[[=$8L8*S8/!&
M`T-!<#$D-$G2[4-^N_6;Z/K5Q0N3BH9O-"J49!?C0I?DRCYS,E6]D5K4>Q58
MQ&R]588(S4!2*,>D3;0F4)$,93=/CLY-]8;C019*B,??I.Z-;J1Y\4[Q%S9:
MXVKBB,N6-=&U%)<G4C[1]<`"TQ,WK-&,C[8,NJ@-4@LI:#0\5"6X"66'XD_3
M'0I9Y#F3)(BK*)*E<-0=XJT3V8,V&@8EY)2D4,?C\6#0=,7O+W1)+P##Z/8Q
MN\WD#8P(@.J%4?F.0::\]"H%2:?K,AJ[73+.V;LHYQ;9NBY>Q5AI.AH-D6K2
MU*M*Y!$BIG54<E[$X]C`/`)1DHY&(Z::-#4K`$GM)P&_`3=?1<>517RDI-\=
MXN4X#X[=:&B4EYIF92!I*YG&?](_5O3G`=8N!HBP*$-#L^&A+,48)N.VN&VG
M\0O-0\+2M;B^F[J6MWV@/RR4@S>HN'0ZO,JDWS/PHI8*%#4;0D=*>!/I&AWX
MK_F&)]NB?B.<D[`=>[>'Z.(>'ET+I)21W"9Q#F%PMZL-*E*S('U^'0"/>%+F
M\.!:8**$W)+$R&`PT`@1SVQB@K?%:?Y=Z-$BVQLA%@:I48.(F>I'%W<Q4T6R
M>8D574"4?P][OS?$BY-+TZ$7<$I),^](9U,ALU<[ES\]9/4<ZJ9-:5*:#9RJ
M,M4K*[?+)GCN\=PHXAC3]E2C2BM`59%T7OY.0VSEVV'@M[YJZ5(TZ8NK4E+.
M2P,V%%6;D+)@VR2.)[H7M9S?*$--LY%TA&0U.S^6P^KN`;E^=X!7?E^*!AT!
M<T"*NAT62W'UP&W7M%?B'NPD:>YNLQH=4MF<NA5FUL`[FGHL><T&UREEGW>X
MK*&PVPU:TT>@TASV>P-$=)6CHMD@JB#)W"-E&ABI,%*5%8:/E#@WGNCS)V8"
MXK7)A>,W&R%*TM/L'-#6JIRN3WY@CFU&<0#B"</"\;6!1K'T-#L/M&<9)>R!
M99",OQ:5JN*J(U$TLDHL)&+:4(V:9L/F",G&(-*F0FO/>N8ML(-.OYZJG$-D
M-!LW5629+AT?CYMN=/9+H;>JCA(9MGNCX2"K<V#..:*RW]MH_5<2CNX[Y(_T
M1<B:1;<]M/O][ECA`%G1]S5:X4K"V$0EW6ZWWV^"IH]M>SY0:'L^^_KP>//E
MYOYI^MM-:WH/KV]BNHYO@+Y_X\`VSRJMT/>_*[FY8&1<X!4$'1BXU"3(Y*;,
MA0P/HFT4S!S?Y_8\\,4FUC-[(#QT;0P#N1]H=>I.81N4U+UU;O1$4DVNHM(C
MZM"Z/W`E91?V_NUKHKH\U/[J@K?BV/^DUA?F6+#VI;H.)ON-$S#*XF;V0-S/
M'G;3OJ0+QD6+#='YMHNW0X=&]RD@=7H#6V1D3JNNY"XNO3$L+IIQP;4+N[R(
M$-TK(7B\O-G)Z-03H\>I([DM[(?#Y,3Z1Q#F`)+96"04Y#N\,>C^83![A+HV
M-YMID@@\]7(3+30&7L"$0+&>R#V5BI++C36'K&#]D9H.\3Q[89NAII*I++*S
MD]G5-"K4G"TV,DJ[2"/$ZE@\PO4$\(D5EA39#L;=?T48Q_*HW_0>0_*_&'1W
ME934\`XO+AKA\QZ;'.Z73P[/'FX>)\]3>.!D*>&\2\44,L$;!0LU9FT-A.8G
M:35*O:^V*]44-Z.=N-;VMX0]'+Y2_U7<1I:ZV\/HC/`2:35R4CU5?<]<.QHL
M:;'5ZR&V(ML?\!0FZ&-1DR0M#PLS23KKXNJE^(DZ,PIV\/(W>^/]D-#($&62
MT]8D^3+=8B7"^F3ARWJ=[>Z-,GUOC'IX!;=JQ/PXD#I""4G^63.\;1I'#Q&;
M%4TKK$]ER$[U+QQU\.?#SJBG`7Z1'G;!>8CU_/50"Q3^/7"!OJ=@#GR(.WNH
M=4WG,&<#3B6?B.T;%2CY4+67%I&N"V#$9\99/S#PT;N/5$115+YIO8E":.^.
MN2^B0$W*`*_2XT14?BB$3B):S=<[51DD!9!""(A[`:<B4RN`90LWV3W5#&'`
M:MQ.*O0CD\[=0H*('06*"3C>[PJ_\"MSZ?HKX;]3/^V&('89*QS_E(!7TF!V
M[%`D(5U7YSW1I#;F=CJ'"%D9>`=U*E#4&(Q4E>(/8Q(W_&[W!1'<]CX4,]OT
MZ("8`Q+<%&]H!IBXDB6TG-]L__4VWC*9NIYO^T%TI`'\!<QK'I2H:0Q8JD@O
M.4^L)U0BY_(V<"WOB3F6D!)BLYW#@S<,"`=EDVS7=KO#H0;']A*IW-)DYSK=
M?>.9?!>K9[LWO,BL&\@]MU?RBQNC6S41)'TD!\/QA39S^R"/-]_I<N5++K-B
MJF,4'7ZU'JK.$$/2^+$/?PQ=E+VUZ1)>>SOJXON"N\.>4NLE6,I)H6PE6YJ\
MRXTGB9)3IL&1=!79J&SY'MRVW!6R;EM#_S+7/IX,!A6O>>R"ZS<8]IID5(I/
M;"9IDF=VM6G9_PK>+>7>)?%L4YQP1#QTHDA-]<QKSL4F[0O,R^QR!CT%W(]7
M8W)%>K%DFKQR%H-<MV/)IU-MB;/*S5O&5*23H=I4]Y4/*872S4%(^(^6S.C`
M&_!D]#`KF3)'/?GT*03(8<;SITE##=\=F3,.N'VDCBAJ2<*@;@>Q\7'VH"?1
M99DB\%BA)7C7;7+.3#-8$==<RS"D-\`\HIX:JG;5Y?+9X'4J4V%)%\"8YXM>
M!\^*[HY6N]X.L:M;:1/$?0OJ>9*"6RJ#O/]O[^J^$\>1_;_BAWV8.6<O!T/"
MQZ-#H(>Y'6"!S-G>-S>(Q'>)W=<VR63^^I7D3[!ER[;*2/0^[,YTTN.J^E5)
M]2&I2A^!ME(](]>Z[@KE5>V(/#R<"0_KXL:N$\?]X03A'LYNWJS36VRHXR'<
M@]ZJW+2N^R9P*7<:OCG]^'$D=T+L_<KQ?/,%Q0`-[WIP5L"DV[JZ^1!0[NR:
M5N1R@1@#MD=G4&T_9N*0/FX_K(I*:1Y.)2.F.8(+G1)"K2N.(6.D*V4"IIS[
MR=AKA/,\5@CS12=3D2/5O"LDC)-EOJ]>RV-6$38*@#N#P2#=RE=6;5+_0(J,
M%HT*O9FU/^TLT_W$/]ZZ)\]/&N-VL/<'?*!>B1?!IL!\3YQ80EV@5*L^I/H&
MF4>\907]RVF*WAW<PQV;,.FVK6H^`%2K460-.,P#'-?8[9P3K6AWNZ,VUW>&
M@^NOZF)05*MN),<5QO[=\ASW,\CY]=$8\G)0'M&V5<LANFKE#A)^+#]LM#\;
M8Q,B,>B-X%Y'%5%N6[&\*"A7L<B`0+.%^.)6"AC`FQD\/+2M\>K`*%?4.(\Y
MTBW"PKCC#JY!0R'MZP9?14#$E^_O>WK_3@(%-^N5=M?M=WO:_VB/EK<[.GA7
M0_@/\\4?T\V6M$C3-M/)\WJ^G4\WVB^;W2O:GXY(<PX:N>/@FCO_9!ZU\!T3
M!HO\)H'N5^V71^2;UM'[->*>N[=:XD>3[T7TR="-F'I"/*VUD.XY:!7ZKQ6,
M5!_H([A'*@W'TU>4A4P&2O"C]Q>7-MJ^NL[IY75FO:-OR'2]F6FY?YC'$W%S
M@`,YA+$I8N^HHO]H#P'!.7(I:OB32A`0P4,,MLB^A$`'+/D(8U,)4^/%.;Y;
MK):I'1S7*X,`RQVO-OSG#`K]P7"8=_K.*!N+I'UU$Q*-7_R2Z?;,B"U\7FHD
MPGC4-9ERK.)6V6H92LF62YYN6S9V[T3RLWWV&E$C#V]7-Z?&B":O8NY'X\&M
M6)+Q1KJ%_X7V$\?S"8QPM=-:+%TO([E`!O+-D%!685=:)>L1E;0P5:':0573
MD#J#MR29<AFKJMMD%56H=HXF($8_PX(\X?)H#%9A/#8($S);'1C8JAW\U8[W
MSQ$G$%28RBV&JNH&Q@>G<H>-M6+^#+YPMX&:\R>SX0D!/3D`N^_UI#>X\TY[
MJ;14[XY&<(>;+++U<R;6%PM4N$#^Q'3=3\M^P=H\D1E3W7$7KJPN@D41RZ>"
MSJ,E(AQ=M<YM^,1GY8!Y2(S&</F/8&ZE-KEZF*MUE%,!B9QL+Q>)H136Q\.M
M_-97&7.U3H`($K[SQH-$?M:7!:,_&.4V^F%D/.(YN*)1`4*IUH%1!3!*(=#S
M'HXVMR;%;8@?MCAG4<9R\E!+SKYPI*FWG[Q4.S$4E<6DI1X!M@YLPAKD6BG2
M>H/T)1_6GREM.4-@"%=3$L2E&C96#>R?*4\Y7W#M[]Y7N-K8DKEQ@_V3)2;I
M:U>CW'@!*B&1RHH`,/PI,I%ST?,"+[$9B(I&4XZ7=*E'\_="_1KOA>;VP7$#
M]LC;H1UR;9RJ::G&IMH'#D^U9]M%YI&<.VE!^VNX1T0IEA*.4@R1<#EA)^`&
M[EU1V#36.7GG-%?D73AF,7WQ<0371TH`@Q#W`LN(;S_0\9U,\/-?O:5+II^B
M\ZNB</$6$-.PY\@-K*W\5%F8LN(>)M)LGD#F^Q5YWO;5/$,FC<B]C.9;R/0-
MFR^WLN+;.6J8+RMDX@>;5'7A7CDTYD]\V;+93D?@:O^<\NI>"<+.RJH&XA2E
MF$^J"TCQ)D=J>'`Q*`C/MVJY_(I2S!W5=]#&RXN+7DP?!3F;L=N=WDZT3?_<
M-I:3.;U"6V'^(!PGUTB5(H/1>X&Q<*%5H:=F>YQ=-\:L867B8L]:RE/K<*\^
M2!$XD2/G`JG"?9WV./L)+;R1\F[C/+%4+PD&=.P0*3=7>-`EB&S[V51F\\O!
MH4(7#R`VKAEHEEN&J'"31P=J^9NZB&0VK!Q$*K0'`6+CMJVRB@ZD\Q%-#^3T
M[('<YOGIR5A_TY8S;3/_LIC/YA-CL=6,R63YO-C.%U^TU?+K?)(YI4OAIM%N
ME]K$>?OAHE=D>]8[HD=R30[D-@01]W-YV%@OMG6P=J;MAQV/+?MEY1RMW=D1
M78H?RLX9-X29QN=Q1022R7X+Y"\/6_//SOT0<$I3168:)(]\A!X15B':A[,*
M5^37>#&'PXG);!<7^9:+Z%""8]"K/$8);B0*,/-"0NZF5A6'T>TIBN6L)9T]
MR8D,.P\Q]O]W"@[ZTV@`]AP4S["*IEI7(3?GM8==_=)KK];3I_D&^V1C\:A-
M__$\7]$K-?7=+9VKYM%9`_'PQ*8><^4Z/Y#K?Y*-Q$]_F#9*OH?L$%M$NKXS
M9'[UBTM"1RP2X%#-8N(B%GA%?:4&-O*BHE::E]JG'A'>H?"*(5_$_WY$?N`V
MP]8'X6A"!@YX<X*\5"2(RRM:$`30+"]PO2"EJ1L89=W`XW2UW,RW%ZG9@WDD
M`R=HB_5P6DRC5"SZ1I)L1126A^AW37U%])W.J-^'NQ<24:GO`N;AF(`'9+HX
M#WW$L8KG6[OPPX_HS;3W'5T?YHZ6$S6]IIP%$8N9K9)D@DU%,-3:_U-3(8HE
M[/<'<%<<.+EH1^-U()$N'N?:B#;F.Y;.2T,"]Z"40;0=G7)(K-9KJ$B")\=&
MGT^F^V_DIX3JP85B!83;566)Y&J]2=I:;RB20J<<+]TGQR5#HN\!JS`LLNUH
MDDMHZ1X,<>LQ/ANDG!.AQG"OJMF$V]=E@>#Q7%Y9M-D\8<F,B\I/6*(X4@OG
M'6N.#92XS,\'*R]M4?G+Q8=CH\#1;Q?.X3"H-D]OH@^>!W=?+?.[=0P?.(;!
M_>`.[I2K(C<B5C._'B^3H#J0J94/<4L:1I)$5,#N!579D=P\\D!3*W7B%C45
MGE)QX9+G.BQ);B<L\-3*T;C%30=/2QO]=K+W+MIO7YV3AW?31^=X-%TOC(W[
M@W&WPF5]"!XD-YZZ:*J5,7+#08^?4YB0!=678#>ZY$MRJRJ$4;HDM7E:D[E$
MQW\.0_[];SCY^SO&`D.CD94&?3:S/."E_B_D.I?_"Q9ZT]0GO:>0A'8(5R=-
MDZJ?Y*2^DO1H(7U9,$Q8@$&N#Q$N0(:TB$5>HHN<BD0Q`FHE*$RQMA\.+;6T
M8ID9TC(H]A(!M3(+MEA8AT%-%.X6:3%Q*92;04&M9(`IV,PYN70_NH)V"6T9
ME)O!0*U8G"V7]4YM-G?@$[1N,6TI='N)@73!<G7=TF9W:>$`GT&4,W!M+;/1
MD.ZXY^8.87,%(>_#7'/GG\QCHJ7EH4)A9(%SHW0+#5HHJ=#U0#P'HHV\1,&1
MP0-#J5;NT1R,*$PG&%08@BB,L+)6E`><6OF-(`QH&D!0J/"(6"!IM0TH`YY:
M.908%&BR04"HT"1"'&6E#2@#G5IYFB`02)1+0*C07$,<9;7MYQ(ZM7+!YB"<
MITH$B0J-Y`635]:2V"!*EV\V/X>[XSN'2Z!L]R0NK<(KG,7=7IK.(D-CM[BM
M"_*\SK"?.P=/C+3->)-I:ZD%Z`WDY1QRAP->-M:?86D"(P!WEU$4EXH95Q'(
M-Y#!LQ"(Y0WECWI28?%SA\%>P<98+*I@8#SPWD!RSQ*?AH!IF>'\?GV^5+`C
M)I#29?8-0VDL=*:U@/'XA[&83#?:;+U\TF;3Q^G:^*K]MGR::E^7QD)[,!;_
M2[O/?'DVUL9B.YT^:K\_+^;+M;9Y?EBN'^<+8XM_]CB=3==KX^'K5)OCO[6>
M;K;X9P_3Q?9Y?=E3+KXPA[,:S=B_TS\TB<FC;\RPS<P05IIY_(UV%S+M!]/^
MMV'OOYQ,U[1]A/:_GVRLM\WI.]8N_A+M17%`KDLZ$$4W(1_1=V1CLT$Y]^U(
MDXJ07.-6<\5L>YU[R.$99=3K!_5Y*@B)D6:,6^2^=;`M#N`V+`X.1.Q,U148
M;5!5(5(K&']P7-?Y(,]<4JN%@O1Z_!YLR/;+\IW,5\-2D/)%;H\H1@VHVM>O
MJ^<&2*@5&!<8=.*!PV:?CR=$(-A^.%N'9@ET6&*\Q6Y>$?(?\<Y,5P#<74X(
MED586[WMDV-G$:.(V[=+@L36(0<]17C`M8`#X5E-RZRF"K6RO1IX$"`P'-$(
M]7PX^G`7\2!85M(PJRE"ND12I%W&`]<+D`"<5BF86^6LL1+\L2'V>CU=E\`0
MFU8T^MF*QGPQ(=6+K?'/R[I#U';DX+A:T']8VYI_-ATH3;Y#/Y/4"D)",\=-
M_;IYZY'P4^'7P][>'5W7^W"Q"(-J@Q._D^LBVV=),[R_@WLH4$Q;Q-+G5U)<
MJN3&0ZT:0%!5(S.9&(*-1I"-]@J)7T?3%1"1+L=JOD]G>D2Q]^DUVCEXFST&
M[8&U!^1_(&1KH6/4-CYV@UAAGV3WUM;8Q]%"\O1P0#N?S"1)]G;Z6^';^SE_
M(7LA=S%S^+\AQ$G?XHBQ^&/D%TW=0?Y7P[$XI*CT`[-#^/,Z8QWPE@0_'_5]
M1CZ-<S48_J4&SOXR!N$.[KVW``9%[$E-;"+:I01CK9;3XA&>;MSH[4?HLK&P
M@#7*&@RI9$@%6,K7V+VQY=#^*<E0$X)='^X,K`Y'*ME.$9IJ%0)O)+-+='6F
M)P:=,A^"A1_#+0ZAO%XGG8"#6RV?S<#ATK7H>@^T0RL/$U(92A%`BCE?AH34
M0\0_LE_FF`!IA*:/X#*!*JQ(90[E8$GG5)L7)3(=WMA%B:AZ0\L*AN<A/[B_
MENJ/)[S0$-'$/PXH&O;^K--PTV$\%P6IU+<[P]$]7-&@B'+]`"0%5^I[<_L=
M12'B<#B""ZA*R8M8[]5T=EEZY$)&+?>?+QIKX&1GU.W!G2]4XT4V<^#!3+K"
M=%W;P$+I;6\%E+"46D^C(9V;YU5QX")3HI%IA,.Q#O?4IH2X$$\6?#@090AW
MLR>/HDA3Y=9/CK7F0B"MEX(&I&S1*Y:[9?#`_Q+]+,QIUH@$S<'3B]W./9E'
M;^4Z[Q:9:3YS7')+A@R2QC#@;0QR[)<X3D&65NXFP5Q/@G"6=AT*M#8B=?1C
M+#M@Z_CF_*EB62Q,E8TP`]G90XN'PR%</9N?#PGL@PLCQ</0[!H@F17^9P"J
MO0\+==Z*I%KD,&S4[;88J5;F3P*[:82I6G>P,[*'IZ;V"]DW)Z;K?AX<]\-T
M]SCV&X];*6F4,2*!A?"AI%;'K;QE,,%_MOPS`8VCCUS;)(?F3Y9MO9W>\-\C
M4K=2Y:C,F03&4A-'Z1IL5=Q(:+UG.`:\M)1/4P*-9V0/=3F41I?-C[0RS=+8
M1UJ35]-^09IE:QC&JQQP!1S,[0498`UZUH7)N\@D\[""?\[M3#T%D>/./NPE
M@7(>ZA<-6?5[3,2R410<D:";;'TKQPVN<OJN]?WDD_876V=EDK<(&`!=ARLU
M"N-3T/EY+;N(]A@8T-5,@F_XJ4<C&ZG^\".3]4I:O&59O_&.-VMBW3BJ\LPC
MVJ!=U(2I=!$`MD83S:X,Q@6J`E9Q]WKFV#1`NLL^1)H^K;XNOTVGVL-T,9W-
MM]KJJ['(#94\$BN%JU9;?C]:+\%%9AHGD3T^'3?-3B0T"5XK-8J<IF\_CLXG
M0FE?<AE">7,[_'6*+1Q!D;\<AU,!1P%#`NX.7?BW]->7!_*3SD@?@Q['E'+0
MZ`3VXNL9?#NC[ACT0+:,`4$950T]ICQ;%93DVTZJVKAIN7^8QQ,*@`E65F?4
MTT$K^SQ,R&@+I6A)%^8V]RZ9&Z4\WL5X<TXV=AL+Q]>^X52<7,-]L:V_L/LP
ML3/1B'MW;.R<R5\FN?H*>PMG;^VTL-*-_X;GP_F8D#_,'N8N8<[P8L:6!\Q6
MQ%7(%.%)O)LQ=KO3&U$!VK-"'U+\I6TQ2.5NU`7LH=B8/9$.BH,T5M+6Q:JU
MZ!80U,12\4*,F7X/>A0%Q3C,)MC8XM@[)(C*E/>R?*BLB!P;O)U9.T2VFJ"6
MGP($<.(H#,\W:K[\BI(N'@`QW"^F97O!1:H4"+E3<*YKK3F,WJB)EJA$OJI<
M\T!U4*L,$L5[7B82C<HBL)%HPL!9Q!G^99B(,Y\.SF-@7Y)P<2$R?DQMT23+
M@WLC64@:9H?AU2%[(V&@H]SUUPNQHI;W(1QZF[E2FK:L:F?AHWJH0HZ@=M@I
MKI%_<NVE?5:@`>Q*4H4366V"#SOY@H:JT>P;.27Z*W@=?LB/XDEUM\T2/P]/
MLII-53R5N[%:*&]2Q$B7+\)5H]^W>9#"S9@:EL2)K'*W7@N%3F5L6$C`-DD5
M&%'#7!C(L:ZUJISC#NODN+1,D#[POSS8S[L`D#JQP?]%^(ETJ2%J2OH+0?Y7
MN`0Y*')$=P+.CO^S%P02KN=V4>&E:4Y=].WPL`CS1__6"MNVBWS+1>1!4%K&
MI-7;`[G30B[&=/3^L`>W]*'8%G_%LQ)'>$-YMLU@3T![LAW0XAHV.,M^>:03
MB8(-)XWSZ`H70H&E$K%=MVC991>^VK0!Q8Z8BB##>^#1]#SK8.T"+<?*(',^
MC.5DS@WJS''#6C+Y\+DNX4J%UQ7N!A=1RQ:A5B6I\'PF%6<V!BT_/SZ#$+#R
M((N8-[B\KF8EBA7D6MVB+JZ8)#E"&LK!$*[QA632WN"ZN[;-2%?.;%A?Z-UE
M9T^MC/5TL=4FRZ>5L?BFS>8+8S&9&U^U^6*V7#\9V_ERH?T2CNC2Z(RN1D\#
M@B<;1.&F_3F+?C^W,?X!`NEI8,WG50<UQ4'W'NZN2H7":RZ/$]-[Q08<CND+
MIO,.1H#WLW,(BM@\6%C'8Z.*Y53K6)IN-YM7'!>0V7CIMJ3Z71>P63.3;AL:
MY!-:K>R`=/+Q/Y^0_^KLTQ*-^X#E(P;1-G3((:]T;H_K*6_@2VA('?18&`'.
M.V80;4.!'/*J=6Z6;@JI]_0!W+(3TK+[]Y--$KC3=XPR5H&/]@O'IZQW^W`E
M,P95$097C']D=CQB2^?"F\?+F:>W?/$R>7]&<Q!ZZS29'P0:.2=$EX>$9-,0
MFFXPI.5=T`'`ZPSO`)OZ7E*KOTZC:W#AESJZ/KB''$UT1DW$NBP'/IF/P195
MNC59[`M,O+]@F=>(WG^/!>IU`:_;Y!-M5X4<@JL55]-<8>'8UJ5M]B%[_S&H
MMJM+'M'5ZA6:E.1(ZIXW&"\HH*7Z?SQ9-A4AVILP<N=?824BNMX%[#K;HB3U
M7=<:O2/[1(*K@3Z`>]8:D1&Q.JYK(='*RP5.6@^H!*1%VYYB??MQEIR@@7?C
MW@!NGSFCU22(36L/9U^>M;=,-QB\L#S0`PNL.SB'6LZ`B-VC3#/G@^"XX8CK
M(+U>3]<E6OE%NSZ1+(P"<<879.4#O0OWRHE)5X1F"US9Q:9=(K>TNWA^4=)Z
MM_8HVGWC'L^=T7@$^%`IGVA+:N006:T,)N5$6;+A1'L`.9BSC(&65%L1">ER
MF^9EP$R/I#IE0'(`JLV.SD=[94!"DE)L6@7$_I5\BP[7P?_%P^>S1Z_@1P9@
MD-GGM(:<.S8=N_0>W$)IQMQ_H[/RZ$RL[IN%<ZJD&[0,E`=2N";C=4KNJ0^!
M6\CR\"&UK=1#4ZVC;`9X0:+.!1Y@$[1FS-7?9%?F)W5F6\?8_?_)<I,VP3/'
MW9RU"<:R]P'?55;@!'`IU;>&:"G5152^)S3,P"[\!?F_[Z:'\$_^`U!+`P04
M````"`"565Q$&7>VLZQO``"=B0@`%0`<`&%S<G8M,C`Q,S$R,S%?9&5F+GAM
M;%54"0`#>;404WFU$%-U>`L``00E#@``!#D!``#L74MSXSB2OF_$_`>NY])]
M\$.2+=L573LKVW*W)VS+8[FJ9O>R`9&@A&F*4`.D79I?OPF0U).2"(J0H&I,
MQ%3;%D7D"XE$YH?$+W_[/@R<=\PXH>'GH]K)V9&#0Y=Z).Q_/OK2/6YU;Q\>
MCAP>H=!#`0WQYZ.0'OWMO_[R'[_\Y_'Q+<,HPI[3&SM?21BA/G;N20#?Y<Y/
M1U_OCWX^/DZ?'#'JQ2X\2D.G?E8[/SZK']>;SG\[EY\NSIR7I^1!^.KOG\0_
M/<2Q`Z2%_!/B[/WST2"*1I].3]$0,\(Q>_=)B$*7H.#$I<-3>&.C5F_4CM+O
M?.^QP(LFWQ*_GE#6A^?.+DZ3#R>/BN$F3WY\?)Q\-.2SM>OKZU/YZ>113O(>
MA)?63O_Y]-AU!WB(CDDHA.5B^!8GG[C\XR-U420E///U6:H:IQ.N5SXA?CO.
M'CL6?SJNU8\;M9/OW,M(7&(F?Y`C$+;C).)F-,"OV'?$?[^\/FP2M7CLM!4$
M]$,P>4_9(T7A(^4<<R!"OG'`L/_Y2.CM.%.,H/&O\B_(#X):]F0T'H%!<3(<
M!2"O4RU4M<"ZP3!?L4N9A[V'\!WS:(C#Z"%\&(X08=@3#_-6Z+WB0)CS0QAA
M!@\]P$08RB_V0_)O[-WA")&@.)N($4+DO\S;*<NW`1+_Z?CB3R^413X-"+T9
MM_HP-6^!Q3YE!'-5?EP:C'K(]7;)BIA47AS@CC^GK)NQY%&5`TY)T'-WJXPY
M'73CX1`,`HP)."BMB&#$=\W%,V(,7-@[5J4UW"V=+YCYE`W!SF$^/]-P-/F]
M$T=R%8,?;U`@OJ@L]Q$*:6^W_+S2(``&/A#S.G[^(S?CJ7GAOO!LJGPQ*O[M
MC?AN>4LFP[CCOS`B?DBI7_1;ZI-\Q,%3[9:7-]0+%%;`2!=QKAL/8[F*=:(!
M9K=T.&)X@$,.4U=06HQ"ZFI;HS<1.'7XK2&-P1I@_16NGO@$OA)'';^-W('X
M&@2C(?RZ\8U*]@.<<XH8I;#JBU]T+7;%Q7`[0&$?\X=0/]\NV3/7*K,(R-0U
MBR:.J4L@\O.)B\((:!?F"*O'"S@ED%0Q,CGE:*2)3!#?D,A05@2OMU12![\]
M$M2#75A4E$87:9ON0!3X8N()E:>K;G>`<520L![?-5TOB($$!S@"I0=%B=2G
MX"F5W0C^39?'6\0'][`*%90B3&R_5M\QB;-3.]E(%2:6[%B<'0@2Y?:\L#RI
M)@KO*#A((`JF<QMF<S1^"$7T*HDK1)N'L"[IW1'N!I3'L#-N]6@<W<-N["L*
M8OR$D?BK%&9!(OWWX3ZIG(DQ(':3WG/&9Z9/>IT00H^8,;EAX$1I/94L0B"!
M@B%EVK8,I9C-V&M-'^^$L%-B6S,[A/_2L*<I>%C);,>_SYY^"'G$Y`Q29H#Z
M9*]J4@A]I+QUQ3[3_%A7&$3Q*(+H6JOS*)H)CR'L8<B-8A0\H2C]&"*WR:,J
MAD`X+#]#RC69\'I.9GP],.5B%L)DG'Z%?R/1X`M,4Q2(_%&R[51E#@+7CUA7
M>)_'7JF\$>':LD:;C(E'TOW!BC"9I5RH9OE;RG;5$UZ&:,NQY-&HX%0(U^51
M9,*V$`VZ=B&2`K!$94/4E[V4)$WVF:7S78'.3)>D4<&$M.W'Y_*X210#6XH@
M%KG<-T9CH-"[P[WH%8OEWQ6K0-CG;QZ;SNRUK_"8BLQ#1"*/19S*'PSCN)2_
M33D*36-FJK[EZEW'O\,^B@.U2&^B.T:H9RZ[\Q7(4@P28BY[\$LYK1DWW53(
MUY6"*4V\@FM/6=#EX-OP&CK&^`:'V"?12U`T8L`]7;FW%Q@6,R8R1=3]O1`Q
M(UT[H'E:IO-H\O<[\DX\'":?OV#AW%IA&"<[!969-H)`=>3Q$=(TT>8Y43#`
MD;;P]!7W14F"LO$M&I&H8-:7N;LB1T5]3!LJ8(DL!=TQ5UNA)JD8@V<3@4"Q
M@@S;"2T*XN%,EWA6)N>SDJ*<A0,:>)CQ]A\QB<;%D_0<FT-UB:I-PH*VR@WB
M@U;HW<7XGM'A'1Y13L3D$0E*$L4*Q0;D^1[1E)=,R"J8=-0U;0:P[X5H=WA#
M&:,?(C0I-FMZNA`*WKL$!PG%W6.P,13\!D&XV`S?H/!WT.JO,6(((G3L_3T.
M"67=N`>;$WA3)!9;L;Z)R9_%\!!Z@6V*Y&]!=(@_"'JH_R_N[3XAG9]*5\FA
M:TMNB8W0&_I>-)NE+9F%$<<SA?=BB1%=P8+TA*+4BD,N$\?%(V?NZO)]8/C@
MJ`E,@60S4DQA2)>/8^1=)D1^PUY?)M05[7J@R?LF:Y90'@K',]-.K>`[<GU-
M]'5Q@%WP:/\`;P>>+!C/KLL3>N]0A(K9VQ^NKV]3,20"Z1UZ(AP8">46$Q["
MFF17"$"D$B,*&-%^X4[RO\7B0TFMQHWYDK95-I((1WK#*95*KC:5+D=5*M;6
MTX9/U19<*0%P9T(L79PJQEB*Y7^(M/0!`":AEDKY4%MN<#'B4BE(Z4L\Y`9>
M*E/,U>;.UX4\*F8V()H<Y<;(1\6=0_RCB<SB`9"*WD48I(O@0NMXJ0JA7-&U
M%<.+$3X#9*L2^BY9XPGL?:_\M9%$_(@C3-T!3!%E)K"^`SQY09=270%A7;#`
M-.J:6D=VNDM4B)//E+"`G/:HIRWSLD1M%LFTOXNU!'?"DD03O$NJEV7<\3LA
M_E_,Z.+_.^R)JAESH@)*A[OC9Q8ZJ(>CH5:.<N)])?>A[U2CMH!_V1CA9=EP
M:F<&9[8#8'H('9XP2A[/G6%<V^)>"/U<BGZ)@]:(%)WL@Z:FEGKI>\IF/E9"
M@D:<"HC#3JD6Z"EX+B`RNK[!T0?&86J`HL(6B](4?.<5S$RL\+X/@>_DW$[Z
M@2J7K.?#M@-A$C%M>.,<7N]2@`'\.>]PARH77H20MK@PEX&DS/D0/N.H8EY<
M$NZ*G7*P[TC;9,X#&"GLVG!/VVX]C[)2T@,:=RJ^G!/*Z<>=7D#ZR8$Z,%CQ
M\,1Z[^/02ZKZL9+Y`G/"?GL4C1#RM6USUO.9'DA_IM'_X&C:%J;%9TYEPZQ-
M\%?$?1'[47&6@RMME22K*!PS!$Y[--*&Z-G`ZW2+O:15=6X@G-\+%]\PZ0^`
MA;0'$)AA/!Q)P_S"P:T*J#T6L$F\;+G*3'X@%$?>OCB=F""?L\'TX5(V*,Q/
M7YN9]>PD:9W,K\RYD&553:?B0[B<#TI6)=6LD)0`>!QP-ST!%H?HR7`3KDCK
MB1GO3_/R5ZELT6C%+3D91_HV<1O\YJHSMNI.4QRGW0\3;1Z1H<QRQV)WF3V$
MQLHG:R4GV._I.Z.T4!U2.CRES<3SRT/E,N^NQKQ[+IE3.Y"?@_\$P0+5T@N+
M?2&)QHH<<,K!D^Z+C1F?J4RW-J(745)*&R5=\/QUI4.ES,Q`U^FCC;7#N6XN
M2B4*UR<]72>_-Y*=WX]$E7X(64Q@8-*?1IU^?2"Q30R4\LZ":%W')HO7GY6\
MFBA`:Z*X".I=A=8$_*Z+V,W=L]1HU5<_GC\U5<Y0];54F#_XHF2+A?KB(N9F
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M8@ZHFSX5H!X./A_!'_XO12:)/+>LJ<MAX?48M@:P70&%X`<(]?C)>>/\Y/JD
MF6L5TB)\Q'O2+&)^W$=H)/OTGV)8);*_R$7A^*R6MK'_:_KGPC3,,RGS191E
MIK26R^7&XFE(%?:GX\@2T<GYY65-%Z/%R2C$ZG3>M%C&M`^QV'::C>@6,A/F
MS#X?U4_.Q/_@E=([?!)3%WN?CV![B:=_A"@,++4=R)T$N(8DM#AR1HQ01J+Q
MYR-X0\Q!`%1NZ*>G/5.GI107)**$#PI9C)+T+@]U7JS1[$H7U>IQV8/MI-X\
M.]/%^C:$[7KN7"[/G8KDFLVFLVPZ53@SUD051>=(MB:!@&0E)EF;IGQ<G>NS
MC[5#FV`!1663Z;AFIHYS+'C9=.7U').C+K//WDD*3NKUJVM=IE`)A>5=J,@L
MP/8'@CYA(D]2U">ULTMMII\W8`4&KT?1V738(*5T$A@Z!Z;$OV(4M+E(?DY9
MN-2OZ,5A#TC=:R2V&"N:IO20Q\#$K+W6+B_T*7MQN`-0\AH)I<IMF*G<0H))
MKYW*%4WK.^$@F.N+DZL]KFJ;*"R_JE5H.?L44"7+?@5S3-F4LCE6M1YT+K3K
M$W][F)I-.S77F\0^!7184[.I=6HV=8=#:\L=A;?[)9(:$.Y=7]=-RA)58%>5
M9LVV21G-2M?T7-%J]N9+&P)6(+OR/^%H0#T(*<]J^T@SKJ6J"B-22YX5,)/"
M<C3<5%0+#Q<'4:S1'>QHDL+N@IWUTV4+HU!:L!6$G6UQ=4RCC9B*F<GTR^F"
M_![A5X7R^J5">3V];-JAOJR@.Y-[+,2M\/+&:6=ZTW'U=?-R=UW;HGB^G\U`
MG,FTN:@U&]H*WW-#F5#<7L6[+6`?E`T7\NG2.TPCJ_I5;:^UJ#ER#"A5;B5#
MPV/)8IOTF+%D-U6_O-IOF3*A9%>YC_430RW1L2S#'\$T&F=O].+Z#HWY"^+1
M78P%@Q?[K64OT72`YK)6KJGAG!^RX32!P:M%!O65#\O1=("&LU:NJ>$T#]EP
MVG_$*'BCOS(,$2I[&Z#P^FR176T!6Q44'J!1*<@\-;&K0S:Q&;:N]FM*AVLR
M.3+,:JMGAMI&=J)`GJ*?V2`\XVC:22M)'I_4ZA=-;5&.`B%F649)"6:&<="1
M\)Q';(G;YT@0P-:3Q?!%,0W.M97YMJ?/+#.J5MZ9=1UTN&P1Q!9!;!'$^A1M
M$<2[5_H395$?]67'7]X)E_AHG)]IRP=L&-MX]1>7G=E`8XLBKP)%?FZF<BV*
MW*+(S8.J6A2Y19%;%+F14].BR/.1-[H0G.JH(XO2W`ZEN5ZY%HFY'HG94$!B
M9H!8`<5<Z&K4&SM2=-7C+Y=1N'+$5%46=FE[$=E>1!;*66Y>K-'L\N(@3SXU
M]W`L:)D4`Q"<I45G=M9\+5NR*]YDE9),:<-N*A!BNC6L%IO9B=0U3'T)X2/O
MA9%0W.`1I#W!)6O:W*$R.6;;Q681_@"96%MCM@5(/05(0]=/6WRJHOAD:'79
MHD:J1(U<F*AB6U^T]47SBABVOFCKB[:^:.34M/5%VSW&UB4/JGO,Q;YKEH6R
M;LG!%\%`HWE5SYDT^7<^+7_?#%VN94MC\*%=+TM1;*5ZV4Q*NEP(8NKEB*EL
M62T@HEQS6&;!_&AT%:]+D=,^S:$4,=K-(2=DVL""\1'0:OJ7,D,5JV`S.=](
M-.B.L$M\XDZJ4!FF'VC,*=@4H7'-:ZNVG54"S;6>@NR:G49>XNB9KN.I45Z%
M*U^\=R468GGO">-M\6<7"OBSA?9_W7@X1$S<2"?A9QI[`,ZU_IL."Z&W[?]7
M$HA6+$D`\X%$_XA1`";]$'I$CI0%VM=U_4"U;<DT"LA6H<P7D1L6Z&;TO%MX
M8UZA>=)"H%'3AVI2H,,`]$HYJ?T(/>@L;L56N6UO!'V*_J&A28:B5VS]U-9/
M_\SU4\W)Y"VRAQ9T9$%'YLW,W8&.-.?UMRKSB`M^8/PD*]`2R3`NN\Y),5WI
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MNFPINS`9_&V/?1AD6#_JL9!MH817"E#"9\08BL@[KAXL.'FUA02J+<9S8V4!
MQ^J#-E>[P/\IT604V*^L-&T+NX.:/F+->"=>G.!PTBY*#\FMY<0GV&O!X"$2
ME_B@0/1*C7F'O3'8K@78N\.]Z!46#!:[$;A,"2S/V:JNPM)7.+0!:#]=DC0[
M-2BEE%WYQ-_H$_`EJ!,<Y,V+%;:PZC4&Z+4(AV;GDYYC\=V.+UH'83<6L<5O
MA(,@(5H,('9DL-'@$(/<HL"-`R0(A8<'B/5A'?#O85]/Y:&1\QS(Y@I]5C&D
M`;JO6G)F9[.2S<0K?B?X@S^)U"F0/TZ#4][J]QGNHPBGKDT<1[R\R@$[KC`)
MQ;<;H/TMY)'MB<Q4="N,B.B:&&&OZ](1V.HK"H7)WM)WS%!?K#^7S9PJW`K5
M;GR?`<I4XCE57]-0]>7N&U\8YA`\9TXHL5W!KC@,F&NLS>+K<Q5#FF`$%4LN
MM9-+,^WDA=%W(E(F&;<B^0Y2ZT0#T3]0L'Y2NZ@WM0'6"Q!@@%$HBFFB\]KY
M1;-NFLYS=NA/(+MA/'S!S`4K?\5_Q.*<\!N]P<G2AKV3QF6MEE,37N$,2HUA
M@**WEDUVD[J9TSTO.0-ZY`,:>*GS^C8@[B#EDJ?Q:S!.(QS):?'M^[;#F6D0
MI266VL;UX=D&N+UI[B(8M]]1$,-:&/:S=D6R!;]@M7BPO_5XAEN'LLRR+(ZA
M)6U[JM.>ZK2G.NVISC_=J4Y[X[6]\=I>.F!OO+:'0^WAT!_R<*C!/4!M1P7;
M4<&\J6D[TMO#L$8=F#3@,*S!BXCM,/`#F6H%'08.SZG:8]OVV+8]MFV/;=LS
MP.O/`!N:/90P,KF$G3>:VG:BDU'*.VOYBNPH?*/9U$IJ9<:T6KR9W>3S97S#
MH07&-.T_=-B-3E)UV4W.)BB?+_/;_RS1K6E=4-5'?GTM`5AED5/C2EOP,3=2
M50:T0LR3"M@*[LR."Y_0]SFJ+W/N/ZE()[,C[4HG*[C+)K:A2MGJY*7V#A+5
MGV,MLB9J8DMM32QZ7G\[M<TM2@L2T+@DV0X/>^SP4(W%:&KGT-AW.X<_>5^9
M:HQ#K8G,P;?P:"JT\'C!S*=L",)T4.@YSQ"6CZ9_ZL21[!XG?LY._E3?ZV-*
M`R@7*)@2,#-^-KSM!V*O"+-7A-E&(F;.N[D[#F>;7J0^3KBP.2<G_S#I&]B\
M`HI5ND64'LN`DR65R<KP1HGV5(E%GYN#/C<T\6/1YU6@SPTMXUJ(JX6X_IDA
MKN:67^VY$'LNQ+R9:2\-LY!>LW"?!D!ZS5U$[#F)'\A2[:5AAX8^GU1+\CH[
M3;#:^MJ;;1Y_CWAU)>&8G2*9JXRM8>?\4AL8KA@)^U.WLHC,SIO8*W;L%3OV
MBAT+P+)7[!B%SREY&5Z2OA<WO)UIJ^1M&KT"PZFXQ+WY;KQEN>V_X+LM1*NF
M`-%ZI4$`<OQ`S'.H[T0#[$QP5`Y\X`C1.0F4RNF-G8ERG&X"`*D>L35#4L?/
M?^1F/*$C)<,BM[:.^69%G7CD1-B9'VYJ8[P\6:8CLXK*='%S:)%81L\C!4V?
MU,[JE[L$UZPBQ`!05DFQF;V/5F#J&U`M;JV1W.5=_K%SHYA0=%C6D2M(L\^P
M*W`G]C'OF(WE'-"6;BM!T&$929X8S6ZD:6\3*60#Y6X3,?2B*`O@W0C>M&WA
MBP`X;5OX\HH^.&2V;0MO@?FV+;P%YIL<S8JXW)4W_D&<]BL.,0-O1?COF8TV
M+YLY75'6W(ZX^F7&J[&X+'Z`:-4>MK"'+2J:</:PA3UL8=[,M(<M[&&+JI!V
M!2J$^T#6;5]UM1`J?1`J-:/YT=M8;8N7J2O@9;KQ<(C86&!E7AB1/Z8(%"[^
M)M$R$VQ*]=B8=/B.GPZ>C=WQYY!3%@UCT3`6#6/1,'M#P^3<W(SEC<[3FYM%
M559;:K\420:4-K<6I=DY_QSV;FD08#<B[W@=>U>[!,ML)LE,2U$3I=F5@56(
M[6<<=?P[[&/&1-0*X1(6X.WFSD'O.8088!4EQ69V(4$ADMCL+&MB#ER8@*HJ
M0*L!%J5/^`=7Z5C%=S&_>ZTMPJN4U,,R.371IQ;7/'B+LZ#RJD#EEP=C"Q85
M:%&!%A5H48$6%6A1@185:%&!%A5H48&&Z-1BCRSVZ,^,/=*,"MP&>V0!NQ:P
M:][4W!U@5S,L<`O`KD4%6E2@106JS;R=H0)KUSE=M&YOOSQ]>6R]M>^<SMMO
M[5?GMO/T\MK^K?W<??C:EA!!YZ=,0P(->#L05\URAX1.&[D#YY8.1S0$<8H/
M6ZX;#^-`%"P<>7)=?LSP0/#UCF7/K:T`A-/WR]?/O5V\?&I+*9T/H:!R0J2\
M('/]*[;%&2Z_-:E-/Z;;(FE:C<L+;3VQBQ!0WJ]M>GNZ:#4NFWMCL++HH)0J
M,Q^D+"CS`^_B\M`4-IICVGMB<`^FG1/7*@O*^,!5A2--*=L*5;\*MYLM?,\X
M^A(RC`+R[]F`Z%=XOU@!TU3=>5-;>EJ5EAT8_`H-3]*:I:5G=D'R)9D\+P$*
M(?(!`6+O!H?P0Y3Q`1K4=Q/"^L'WKW8%\9A=@]P8]CY.,"DB17^V?!!D5;FB
M\(LK<5WY8R2[04%XK3K"*SQ^4EKT.>ZGH`1^I/,F:N(K7&C;M^5FGHAS"65^
M0]]/+BZOM,%X%6G9A^6O7W@5)6BV0U['S`WV*1,9J[19?+)4"2%=7>0@;E?8
M=XD1#-'YEK(Q&PG2&DIHZ)0#[-V#]`K:N11:#DYLE8_;:C!#S*$ZB9D-(RGB
MW\1Q:"'J*&*D%T=BU7^C+XA)5/AYK5;;_?:T$'&&F%*%(C8;OJ(4,"X5F/2'
MS%OF%S65Q"K++VYIR2N44S3_MB`GC1F(W16O:LO%J[N'[NUCI_OEM=UU6C>=
M+V_.?>OAU?G:>OS2=I[:+?')4_OY;:&")2[LBKB#0L]Y)*A'`A@3<^<)(_%>
MSZ&A`TM-S!@)^\X-XF2KDM648M[JT3BZ1X1]14&,T_%DJXMIV2HA3AP9F9*6
M42;@KRE=DJQM*U5WN!=UQ1O!%J3)U!H75[HRVXN#E?<23^A?E+W!U[@X_CEY
M*PCJ_]O[MO[$<6S?K\+;F?VP.1C")8\D(=7LG4`.4#V_>72!DG@:[+1M4I7Y
M]$?R'9!MV=:RERF]S%2G4M:Z_"4MK6OHS*''%A0;>8M+.!URU1+E1HL+`GVK
M-S[30`'$NK$(Q$9C6.1$.PL(`O)Y)BG!,#RC[[X2I_2C3?X^$G,;".)V`G96
M"JQ?(3&)<P%%GPY3SGI]#9RY]/5E)/:54&&4/51(0NB/5F%10*5AHT`S-',X
MT,S+#R\D(?R=)R-^!$UE?[2F?6(Y^^\K[?9V!)9<*8M*"5LC#S30(JBX[P6W
MAG0X7&P@(3DB>6R+(B/ZXQ\&L>F_?_]Z(I]D'S!U6P<X,DAH&S[$I`EXQDJ#
M"-_P!P)#J?=8TVK/D!#@"Z>1,P#^F5/U#!"V#9W+E2(;""ZMLQ`E<NW%(LK-
M,AE%!->FIU"N7.!?0UA`7^/3"`OH!=])(H)KT8LI[P4(U59)TAM9'._1M1YD
M:5+":N7NG`"9Z"Z@Q$QHI\L(=\9RB7U:I^8K'7#9#,_-CZ/K>">9%BI-&\!U
M$4Y?%PC/XFJ\0':F;%H"Z`0/_9@'N&YWZ>NBUN^E;'!G>O)X&$0\]&O5[Z`%
M^KV4#>Z$SMCNU/>L4GW]3HC[S;:.'_1R?0PS0M:L:9G7[T'W:$UDJ_5[MYQZ
M"]G/C7+$2;BVY'A@H.53BY]>]`$C"4@7NTRB*L[W9&OK2^1('?H,KWW[3C]U
M8\]T_FC9:WU/XH2.[DB;],&*5%*71;/!>!GJ(L+";84^$-OXU%G7<?^0Z$YN
MX)X6YXMAUFV&8'#;G3'AB=.^.QG`-5GGKM@.W?)%A+M>1"SG#JJQL(SD0RY;
MW]??K$]BFTR5TS="=4N_>;)"\$`8WHS!3BA1(B2@N[`:0_26$!3N.RAL]GRG
M;_\BNYB-N>,<R>[N*\GP^H/N<(O:K3-J6]H?+/\^9'=P`_>HED-BDZB1+F3<
MM^"]97]8-KT9[BQS=[$SM'X?[`C)7+E)!(B*)!PMT]QI4;5DZ&(*;K62H:A$
M2'<[S";I>$8)*QBBS^7_;KIH**1N&O_ZTKQXQU<M&E*Y\2HW7N7&7Q>:56[\
MM>7&JZ0^E=17/;^I=6>X2NI327U50=^VH_ZW2>I+/F6BG#7`J<=B-&!,[<N4
M%&X78&*_>Z]:KT6_WXV_-X`_U<Y7E9;^D-;#X[MI_6!.`!8\]')@V)P"<VOL
M#:^32Y*>^)`"ZR@`1;3<BR`'&"E9#Q`:P-^R/4=L\(^`=NPG:#FT;C]E/2#@
M-("^3[Q*/E?)YRKY7"6?J^1SE7R.2[\@ES(T.)HPB[ABG!\^*$UDYXT9#T<[
M#$8\$:3T1N5\02;0H=4;[HD<0>"^S+R^J/&(^.5/D^P2/(C/X$[_4!MU*B:6
MEMQCJLB&/W#U=#J-/[`FSB()QF5.!F"%-(4H09,3S"F6*2M251!SW04QX<TH
M-%NVJ_58I120$`J1@F:O95@;A66*VPZ)1#(W';KOO=>)=^MZ-W$B/X^RI`W`
MINP)DX$9(J5DV1);9OKQ8>N&H^^7K]/=OX\^S+WI%;<<QUJ*K9KS-=2Z%1<$
M[DJ<B)$GX^^CL?,,]-FO#V(ZQ.>"XV?)4R?G4ZW098X(<(]-6;&AX5X4A+Z,
MAE!AH6B5\M:(]XG$(PZ45&E/WW3QAC#B\X4^!^V,,:#P/`1N($F%P@TGV,_G
M"_^H@0NZ@6S!HOK@$OM,570X'L(*L`%<&X"3E60!*$7,46%<"G>XWQK/^J\3
MJL=@TYI/5JI+)RG<X3;P2[B0@#HKR_?*Y64977&K^6IJ5>WDKZ&=O'0,B$FL
M#2WCSXPT($T7LX'K4":/[Y9U@.=E`,+OU!*IH35OSE2Y!/H=]UH]4[-?<*;F
M\K'S.%],%_?SZ5-GOEAO5M^#8GGYE>[+5Y[G5V+UNBJ05`62_'VO"B1_!]"K
M`LDJ@FM1@22]Q(\'/XPQ-7?/Q'VW=M;>>OMZM&Q>0]3I#WK=Z%N7<GL#G]]>
MEKH*>X5SKT8_\Y?D!8<2<NG?U!JS+D*<Y/P\.<#)BF67E'QXZ4`8H$`9$-'/
M$B++8W<P;@1HHA2V%VTE=!!`[A9IZ%:59JG2+%6:I4JS5&F6*LW"I5]5LI#B
MC>"M[?MF^UI/@V<]G0`TF799TSS$!'A^"*JZA-;NIZ93.R4\44(T8GVW"N\M
M^/!8M</IMX_4EU)EU0#]`.)Q+'&H^X?E&*[S3\-]7UC>2;![UMV@_W?$:!R3
M\Q*W.2WD4G+7"W]?AII!/$WQ@)`*$D-^UB5Y$^5,O(2ZX-=;A82"T@IK5Y#B
MX)%0\O3]']:!L*K_.]W\Z\ZR;>LGDPN/-7KH@269%B4&/6XJ2#><OX`4-VSF
M!+7WJ!UIN%10]+E/EC_VQIM7^I.V)R;BA6V%OX\>"Y4D%J!A@A0-T^W6.E)I
MO>A?S+*B;-*?T+=E\CW`XW`X&H,]RDK2A!Y'U64=A0^1HNG>)CO#71G.7]P1
M;<FRW_$-[TR1-,)'F`STF"DET1`F?:PN=$&1W>NV_47%Y'LQ0E$-1I/>C7AA
M;I6UT,-#FB21)R;<Z\Z[=P4[[[._CW0?[$_B$XG#<C09@EU,PE1`XZ9,ND]T
MHI00)?(G\8J\'?=,Q'[F=XI)-AEQLE)23@V!+V+6<4&!('^Q>$WM_B#[73"F
MF<>-UA]I8*];`0(PHZ&@_)"_6#QNXH9#*<R,.!:"1#!DKH\>"\+2"ZT"K&9!
M^*+*9F@XN@'+RA"B`#,@BHHP>EL@A02S:]9'VV:E13X;?--F#-:S08@"S)`H
M*L(0$D.DD&!7W\8*_/Y?\>3<9`^R6PWLB,A='C,6"LDN;!(U[@XQXF#ZJ1M[
M[X3S[:"8F^Y(@VN*DKXL9L4+"2M4>!^GP@6$D^X8$8^9EET&L_IEB`Z[3XGC
M6@W2H4Z\JG#99T(48$9)41&&B&AP-GT)-^/4/8$ZM7QNP%P-0A34`PG!HS';
MKY@N.]Q5'&EV#S5W)I/:3464"A<1$?)4_\LDC[5K;?^B,`[^:D58`PP2_0WE
MK=>#*]$J3`]*8%03*^Z6P>>^U&?+=M_T-X;Z_J@/5O::NBQ*``@)"7='88\%
MEA;/LGT2SK$%<5?D@_)#=M,#<YQ1EH:\MM\2]2Y"!EX<%!5B&(S"B8L@8R<>
M;S`WM_2<BWGK#L=P-;RYJZ.$01&9A1VZ<&J?75C>%(,GXY50^1QM]FCJCOIP
MWB/^DBCUG"N=,+*(4[GG3]@N?:J`[>3SQ5`J-$,B85<)K*K,JO_PDOPY3IU2
MY3$UIH@)IL.)%<$DA8#[*9Y5PN%Q(3[M,>M3[5!DE@"0]TVX?!5.=Y_LAG#6
M[]06W!#[P-Z!<)W012C`BX*B\L/M>O'&0,45-5UM,.F#*?YL,;PZSI`*;K?(
MW'2)3:W[H+3AWLL>8$4S"\O<^O_1U;31`,Q,%B``K]H+2@^WYX1;I]"=#,9@
M7G/NBGBUG2>@QAT@E;I3]P:]_GEWZOGBS]EZPWI.=]:S^^^K^68^6W?^$?;]
M[EBOG7O+],1VU/>=V+IA?Q,'%OZK0L/JV/D0?R_N.YY8/5Y\^1K_:M4&UO'R
M80.#<7:G!H=LNV_6)]4@^X?^7O#_?+X+_)^>KR`$_Y3]^R.443#58C`$:RMQ
MOIB$79LCZF119PJ;;1C>$7/Y%#>"R1L370%43Q(F\7(4`T6NK&Y0`F*.+_$4
M]JZFDU.:,#*O]68QEY[%QO9_?-9/#_0%9?R'[.XMQXVN\!'<8+=*A`$"NU`F
M8"$9(J\A$^;RE=KJ2Y-LWFWK^/;^2,VX?Q'=/N6^.^IK8`4H4BF5`"6I>ZPP
MZ`JJXYI0R)@-^-X0D\>V-N%T@6H`A7F47@4*"Z@#>6NAB.U7RW;RV*:\1IN/
M_C>/\SO=,3Q/]9@S@"#%50]"`WJ<00D<>85O(?Y3N?88%D_;E[/H54!*2*3(
MZX)+29&=R6!)>Z4H0H^GDN+%WKJHJL$9ESM08Q.'U95%9>MA5D`-V$N6JUJ9
M"9XUGH6%P^"_+N@)JB&$WA5;^C';S%;@.,S@#/SV0$JR>*,ZNFN`53JWXEW>
MJB]X%1#*%64('*Q&?%I-V2FO+!'.,.GMSQA=D*C$,"PFZ-WVP*Y!&11BQ9IL
MZ8?.5JR&EQB_::8FC_4)K^U^G<`3)K;=&"REDQ".6(TQQKI+/R/`>O*@O^1Y
M,)IHX@V[92V+&5&RQ1I"":L!5N(D3W;TX;;*;.S^1&^CR9)VF+*-U4=6[6P^
M81FN>[PD(MN-M4(Z"&&'V4PK<8`G'T`33;SW;]7E,"-'EAA#R&`VI01W"<>3
MQ[4BQQ@L>Q%B,>,/2">A.8:Y`Z7@UN-[`;G&:%^\AE4^`9A1!B?J"&A(BV^J
M[;%3H[3V+E=7$D<"T$%XW0ZN]7P[-3(XR(,ZUUJ!)OFBC0"%]!R[QE:]-0>M
M+]OT]K%V8OT-&G37>M-D-><>8.V]>G4=-VM5.:?I9O\6Z787%<R)P_0BKQ!N
M_&1E\K""1ZK@<3<-*L7J2097`T9&FV,@T@2.?N:0(*/_,NA1?<(M-<!O>7&/
MO)RFP@NU'2/9HHLRR5M^]'A<I@5J/(;%&YM)6?,J8",BT`A!2%NE%6>8XTCR
M&"Z105EES>M!4(Y`(P0A;:]6G&&^\\CCN4319L5EKP='^6*-H(2TM5N9O7/&
M:8FB@%*+70]LTD08@:5U?EL.IXPQGB]7!C:N`@I)`46:1]H87RSJE6+9%TO.
M*;,,5CS($%OD[T/Z("K`8Z;U7BREN>**5P`8$6%&V$'Z%"K*;IK=7BRD7''%
M:\%.CC`C["!]!!5E-]U6YP4;),&G70\@^2*-0(3T^5-\SYSQR4D;E7;R7!]@
MTL07P03IPZ<`GQY;XFV*"GSY"D"0%$ZD<Z1/'D9^P$RBA?`(4:=D+MG/^K\M
M>T/_F;-\37R5Z<.327=`$0C%1M[B$B"<JY80E@4$`1GL#AM!__>.(X%J6)Q<
M!Q:!V&@,BY.R6)SP^DG#8)&\ZL>]6PZ,8LP`I5=(T2J7K>_K;]8GL4W6-7GZ
M1LQM<(7%*SQ[MTEW>,/S5<AA3Y0(">`MK,80S"4$A3N;*!Q@>Z=O_R*[F(VY
MXQS)[NXKR?#ZPS(=RR:[&9OJ\L$F4H3L#F[Z8(F,<DAL$C72A8Q['MJ]97]8
MMNZ2.\O<7>P,K=\'.T(R5VX2`:(BP3W:[(0+-O[8F^IUP<Y@-)Z(!T;%/HI&
M>4)LAS-$FQLB6G72T:#$I*.Y^6K9!YU]E$T]VM(3S3#?.O%`!J?STW#?.]]-
MF^A[]L3N/%F.`SG^*$%23%&"(!9YBLGQJ5$3D1"]K=1$)#4124U$4A.1*F7H
MT"L[S5&;</`V4!8A0!@@L`LE\12286MGT;!QB89YM([.J57PPL94,V.).,[F
M73<W/\G^DSS3WWX_Z8X\!'L%`]$,&E@IL>_R@2A+15>+T23C2_O),M_(:3D2
M0HQFTGQ]&!5545N&VQ060)+9"9@[2`)]UX<]GNBQCS!)DU*UNX"UV0+#'@C)
M6-$(KA_LTR;*"B#[(F"=#VKOS7>55S6X?MHZ?D#\MF#,@CV1*Y-W;<#CRAW[
MU('JCS:M[^^UZ=N;3=YTE_@N^>EV>SP<]_2_=W-SNKR?>Y,_9!18R28,*PZ;
M44T`V"'2Y(?R0@F%$=X)0D*1T2!#-F'7A]<JJ@GCME=WO@H)03R?'XZ0Z\-C
M$=&'5B3F;JA5WGG1'1(+@?V:U[]3/&,$B`JLT*M!Z"'NQE>&NXN[@","\48R
M0%1<&^X*"+VM[5MSSWP.R^*]9B2M>FVXRA!J-/\,Z4-#U5.UJ(9%U5.U%XNJ
MGDK54ZEZ*E5/I>JI5#V5JJ=2]52XZZF\.B+N<3?@CD"3H]3459M4J(@H`F4B
M;:>ST7^QE_+ST32VQH>^]XK%PMMK<`MVG&>LVZ1"Q<01J+1!OV/50KD;P4*Y
MA6[3\\KX)+*+W:(/_T9U:]]LRW%XPOA&-<[\CH[CO:$&HTGO]I*)%+^;X%?K
MJULKP68;ZMGNJ35FN"L*6O-M[>KF3K=W+Y9E^\QH_7$.[BK8,UDKUZ=740&$
MZ1,0IZ,T;:H:TE!-]-_A59,J(E5%I*J(-)?D%[K;Z)?T-Z]YP.7-^V+9[JNU
M-ZP5BT.QFW<HWN*[V,<!T<BQU\LSCMLAYYE*)@M>+E]C;CR325QQ_(_4JZ!\
M1G`[.YBURJ=_(!X:YW^D7D7D,X+;4>&Y6NZMPX=-WIE%\4GF)GUA>OEI*[+=
MZXYCO!I;KVG*=/?OHR^61RHJEJX69`(D65\0=_E*W_O4)!J/..DT$MU6$&37
MBYY:I!]:I+\)`$/N85VFDBEN.>S.9!Y6*N-$',^@.1O>28RW=VK83#^)36V@
M,#MI0^Q#=S#6>$'HE"NJTEKU@D*:6$(W+D[M"P]PS6%6O+.YA!7K18)D$05X
MF.#$0UH"8AYSU3.%T>B[H@C".AF<^A5PKP+EB57W+W,9FOURB4V%F?KY,.X]
M'H"Q)DB#!!@74U^(Z.(RJB=3LTIVG(`D@))O,0`9B#540.;D&A>743UIGBKE
M6*4<"Z<<(SY452U&B\`HI18#[\%8Z*P'\FW)O`^Y3)Y>?=.IOT28"J;=@'4X
MREI8`F++*B\$LJ!<<(?73IDX9P$,M.G+HE-LBDQPIYRKNAQ5EZ/J<E1=CJK+
M474YJBY'U>6TN"ZG6!+]Q0.ZAEJ!LF2'JAM-M)Y,PJ6]Z4N+OD`!Q*40T'=@
M*":6"_]B6Q`ID?"&$,EQA982`OX^#$79$DZ<E:K;XJ1'H_DF/8XQ5H9H:5=R
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MRF-%GBS==,(/5<U7?/2_;[ZMR)88GTPY]$],`;LX<^2>-9Q<OG)^-U`W/5G!
MD"R%PO)&^XHXQHZN0%6P/OZ@0#P0SBH!A&^&MYSNR'+D4(00"5L<!ACA.5!2
MJKBM?`X'\\.';E`S\RG.O>K?]K.S(:5NE0L"RN^$.*$Z_"AG/3\E\F8\UJ"8
M%"<#9A?DJS3J+%%&8%>31"HNNOHN#IF[X?CCA1U;X:O3NY5GOSZ\"Y]%(<:<
M?-F4`$[FMVI%,:\_BBBCK3N<+^^SNZ_T&\USOU(A#:%"&U(H+`]HB1=^DP*2
M8@E*,(T*0RG<;[+U@#[T)%&<0(&>Z]F930JH73N3$V.3K0?\@;BB%BQ0\:!D
MDQ_Z%`*20GVG4/8FJP"*0CNI@+"1%')6]1I>5%H'7L/U\7#0[2]6.LVL[TXT
MW:VR&S'X\O*5_5?TV:I.Q>EV:QU-UUE8KI<&YBT5*R]^<]P,;J#<!*(TR/"'
MG*SE+<0JS5,WQ03.`U22)AEY@"5U?NDL*2O-\T.@M9Z30J*$*DT#WSZA9I^(
M[I#$I[T):0_DE=@VNPW8V*NNUA^.P`(,!0BI>Y]PYQF6$AON7`85A<I-]CC0
MJYQ=X$S_84)#;PR6#L!;$'U4*4=*N!V4,?$KHN]GCJN[)&8!K#=W^K(M4G>&
MQ'`??"=.]:5YP<?@I@<64,Y9&[WZQ66'.]_KWC*=(P5R\LS2QF!JOUP.O:8S
M)80[_TLYMY5S^W=V;B,>+:4BPBHBC&]KUA<1QCMHJY(O$#P&)=^SJ@)2D@)2
MU>`"')T"*4.O+SPUN@Q/+9:+_WZ9K1Z7J^?YXEMGNE[/-NO.?''_]/V!_6"S
M6GZ_>YH]=!YF=YO.:K;>K+[?;[ZOZ-^M.__8/*S^Z[1K\(*>&Y2=5\L^4'EV
MIHY#7*<S-[?[(ZOO[_C_HG3$BWX^_KK_\>C;&]LZ4LWM6#7#BJK8/FY9\P'S
MS=GL[!A@F9_8V0#9^*F$^2`;],!*[8L2(_6H2UTIO,T&O0$&QB%-B&*JSSB]
MQ(79QF0Q`3'5]S)$MD,0,-[P#A%[ZHH+$W_25EGVZHN<R<#*[QQ#*:I.%3!I
M;\"DK*ZO)SIRM9'OZMNXA6'NRQ=4\@'E/\P'H\G-X-)KD5(])?#%>@ROV.BH
MS^%2W=[,AFTI=94QM,Z$AR2C-P_*+V?.@(<CV5AL5WI28I]>OIZR&78^9$+C
M9.^E8[ST4O)3],*\[Q-PT/_0MUO[J._99"67V)26KM8?P?77KDR>G/TA$0-Y
M27ZE!(]\]H+7XR4V3[H:<S6"=KF)%T,+@`RA!.K$VFX]]8!_MG;&JT$E3$ES
M+OWI3!:\21LI!V+99=!J7(;<D`_>$/"_7[K?/8F)-U4OM09:4%26&/8)'6D7
MW8K!_2S<XOWNQIKNO6>/P[+;X4;S5"`,+9HD"3O$%%:#0BA\>]M[T+^<%]UQ
MJ6"I3-:NL=]/F1E%_R%]3/=OZNQ+4I`^M`B3*_HPLQ,ISDH=SD]1?0\3XN2R
M#E#FO?94O4I+_/U?GI-R[IJB?HMJRDF_D3/E<37=G*3($]2(*P;V&M##M^>D
MG+K-/^FKYA(-H'.)PGLG.6R<_OC!CZQ6FC8N(8_H\E;TBC<]T@"2B$[>D$^)
MEE^3.GL1\JDH?S?%XBSB:':BUA0U5.$7)PPFU"0(@,MB_$J2O9K;KZ!$ZWLX
MR-Y26><2NX!&G.!ZRB6>]:GZ0<[M02O&:_.7K<H9E9?EA(!QE3.J<D81[Q`$
MC*N<494S6E?.J,HHA,HH1)J!5OUQ`UYB"/1L5!ENF=6#$N#PFV2^G6:@IKS`
MN+D*XXEXTEO)521@HM@SF)^76THJ4;R^M8[=B\E'LAV[]"=->V_I?R@OK?+2
M7I>7=J"\M&W94FDAR$?+YD08O]DZ5=HN&4><<%YNV8F6Y=9"X>>5)BWE"+XF
M-Q<"QI4C6#F"$>\0!(PK1[!R!*OF`2C<OT6:!R#U_%YII]WR&LUOJ]M'JDKE
MQ,\[MJ=^3>C4W,4%HFNZ:8^.=[_1=TV/TQDPY158^/LM<LR+"ZH-KGD5SD$9
MSH$P^2`Q([0I+I[0M9X>I5B9)I<*[D?&S$@:,YP58*[]HBH2/0)S1-3&5[Z0
MJ"Z>NVU&LRQF<*%9[#U>1$2M?)$+,BCJXH?"`)<=+WMH?OK-,(%H-!F(=X!(
M_U`-`!42^DG==2[+N)_.`0_GK"?8$`\I97X+J?+R&<?=-S$OC/9`7,*B8-Y_
M+5^G^[WUD_X#\FC9]S;9&>Z3Y3C$T5A]]A#,%R:+2@D@DAQCS;BN*NL!>4>@
M/)871_;MY>N]97K"<_H><XT%Z"_I:2^<LF4;=?+H#ML(G!?+<9,_N$RM\[FM
M,SI1E,#V0JN@],,LHW%C6*N4V:B-+\=?O*QFC[/5:O;066^6]_][FJ;X8@>S
M>.F_^31VQ-QUUJZU_:M#%6)8N\[4-*DQ8?R'[*HD,T:K>-^.?5_1S\/%O;_W
MEXY7KIK#&$Q`\;X=V%&L?0M8/.5BN0I9B504Q)F=RB\PZH84M5`\9*PKX2@0
M4$B4/"@D`-R/DI5NOOG#=FX&([`I;-$JY='F?2(0+B65XVR42*HT-*6+-RJA
MYO*%WD-XQAA0G@L$;B!)A<(-QVG'YPN_+^Z";J!;HJ@^N,0^4Q4=CH?04S&`
M2WD^64D6@%+$'%4CIG"'^\9ZUG^=4#T&>YN<K%273E*XP^T:8PX]DABAZ5E"
MWO$UU,9@><*IJU9(8$NQ_H`X*&F.YX3OA94193%E<8W>%,GA%^B^KQ%\0!PT
M`3Z.(9/)-7Y[)O0.K"C?":=!S/=@-.:-MTX)[.1]KCRZLKX<17#&M^)9'/D?
ME("GXN(-<56,7_2GG*`@1),6$.!,!JEUXXQS?A7C%W)2&/R!=L*/:*Q:DOZX
MQ&Z(?5B:)`XEC\5;Y)[\6V`(I0DN*K!,XP/W6XR1O?EIQ61/.&-G,L0?_5L$
MXN?R@?O9Y9%-A9S$#6=45)8"XG^-005\7G!/5V2$/UI'.T&W^*R5TW^,0`5\
M3L(Q`C@U<,KE4[*'^$@3;JJ?\I7R=]/I!Z.^]B-.-PXADF1US1`65XB+'$:N
MIOE%MF!$M[1T'(5;.@XZ^T%H;R.+MX)*^PPXHC@GC0A+N"V?LY,U<>I23K84
MTOH;&SDWXMW'<MPW(A0TH=NBDL%]MZS(CAR\]3V.Q5\]\3]L0@E\LI$7I*;?
M,Z(UEF4O3)$0-U!]7[$0=Q&8I`CP)(!\QEX;JC-S/,Q0-<F5W/T2U2;"?AL*
M)@4=;J([7XH_4Z*:BK`'^+XMHJY*R9W]P65RYVKV[?O3=+-<_:MS/WV9;Z9/
M%=(T5^3MN&=*^[K7/PQ7WU?-O)R9E/:OX$U\FV.F.63;?;,^_^^.&/Z90?]P
M?E30'YU\M$(@T#(=:V_L*'9VWA<-$E;+:!I<+G;ZLA)V3X:XD\TT<MG&_2R8
MA@A^#!%\IYM_10Z5<8'A+UF?JD<?HLS@=I(^D3=][W/K';S:("=W5'2OGWVX
M_'8_5X44Z@J?1-EPR9%B"!DN*^ACJSSF,I,N&H>(%.IJ@`@G7LIE!7^>Q[UU
M^-@;K([PGX;[?F&-K,C?1\/V#'/G.[5`;'94>I4_WB^>MEG5M-XM5$MFB716
M>#J?+QM;R^+S>OD?D0!42%7&#I@\"5S-9#_IXH3K$MC\SM@8Q%Z:Y(E\$EM_
M(\':42GAD.X!*/ZSE\:XKW@Q2E'Y(>\T'1#>'8V&G(P528#WUY"@V8*HC1YT
M%TRV0RL;:V4X?_V3&&_OK,[7*_KMCL8#:$WQUFU<>SG"",,WN#4:G#T[U@,B
M8']'?Z1OOQ@KG*0EJ7I-7[UQ[0H)!GEWC%Q64B#<AS,URE"$&`LY`@SP,6D'
M/C;6'?DGV>^#'[/L@S3^X.KP2Y&$!B'%11CU26DM1MAY".=ZSUT>L^X3HHFF
MKR'5<R`#AM4[G3ZT0Q-5&P_AKH.419M3J8`40D5B->Q26.`>0Y2M`2>!#U2Y
MN,[ODM(*08#5\DMA*\.H9<R!W>J%R4$'"#')A;#`:O`59BYU'X"U:91"8HO@
MDR?AR#'43DCQC"+&'9C'J#@]:,&2([L0&5A?#L6Y2]T+T*[_BC2V"4%Y,@Y1
MA=R\/1.4QP&8MY*_9N-:SY!!J$7D]ND9!QMKZO]W#,L^]$6130(V'6=(*%0Y
M<MOSC*$<NQK,KU24&FQ`$)-;F$"-W'@4YHT#_P%8H[R*Q+4',1E2#0&$W,9,
M837-@`;KP%N8'*P@R9%<"(MV&8F95O'EO=K0P9)/78M`DR'7$$-83=3,1$71
MZJL*J9K""=F9A7V0"=DY33T%Y1<-PTEC#4GM994JL%YOU/GO3E2A2/]\OURL
MET_SA^G&:_%/_^]YMMBL.\O'SOT?T\6WV;HS7_B]__]8/CW,5NO_TYG]O^_S
MS;]"`H4+Q)+50Q$)SO+U_IT5NCISTZN]>[?V5,S.C&YE]\S:+5([YOUSEN]H
MF725L&WA!*X7+7?%\AN,V[/^IG<+YN\&ZM8OI@A^:X(+KG&7EK'AX9:9I%SK
M34!'JI^L5KNRLOC%77&VL8GN'.VODWD0@Q%<+.ERO=JUE<TS[@Y>T]W.\%=_
MT8W=W`PN\O!\F("]HS(7KEV%@F+`WJ_%I9\@NYENFVPH=4C]"&X8&G_)VM67
MRWF@N"%.Q4VWV^.!6=)DMW3?B<W8MLD[LU8_R=RD9E[4.A]N:(0P$?5OSN+B
M";.V<>H[,M']]])0&\'W;JGX*HV^<Z8Z)VB_,KH%YX"WL@0LYBCCHO=,C@"0
M/&7%E/D4U9Q1!L!2PRZ7JX+#\X=L5QL/>F`77-[#N1KDTN4?PRZ+7]ROM@5Q
M_=.9#9WM:H,^KP.('#6=+%6OAE*YC)2C853./W6;C?)<D8^CO7W7'<]MQS/W
M4]R>%_^^7JEGDA])OH]1\MZ6GCO.D>P>O$FK?O_//_7]D42MLX@1S4%]V>O4
M-AKW-3#3KPQ%#1R#%62&_1'^[Z-/M[.Q4IZBZW?=)C^\!#!J>M#;WZL:GYJ[
MV2]J%!@."=KA+3T^J"0G-V`.60!ZZX43K,`CL*$<BWWBK?(VT'3K!_?NV4AF
MXKY;+!`\AK.I1"BH%P]%98+;G1`>B,ZIS_]>=]Z[MSTXO6:L6Z\ZQ0005N[B
M5&*:IX-9F=3D7+YN]%\OENU)RW5MX\?19>_7C?5"CRW3[6HWF@96]U61N'K1
M(%&2`61N<4(F329`W;;D/NLOG3#09,MJJ24@]@LGTCF;4>EPZSMB3;=;F[!%
MEZ]Q(W;6&M<ZTKTT&(^&XGWD,[]5L\4HRE84GD5I_$4W8R+"'%Z+8,_+M$4;
M,@K268^B!BAU)^"!AAXV7-H%7S23"(B1\IE$@C`44DW4#32'?_2]8P78AIY`
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M?D%&Z*A^L8TMZ=(C_P8L#;,F)EH`W@;4B3LC.`[1+E^#J*WC2<`;X38I,E4N
M[4,M@(68%)"'*67*",B[U[P=L=Z^D]UQ3_5<D1;?1W@S'H_!7*%22<6V"WG^
M5RC=G">&M]9]&XP[8IWIM\3X9&Q.]WOK)^MLS\K*;;(S7!8Y(8F&]?W^!"QY
ML`Q!Y3=O@=78P':'9>;1G\_-'?,N'JG8OV:?^OZHLX?<\G5^^-`-FVF7G?*W
MXG<=&!T2-JD4B(0[LA:!XWX`E!3!O;7?DZWA?I),$7!,?KF8RZ?C2C!73."X
MC?+R\@0R1>H]YF,[@+,N_1-3WFX>91/ZJ_\_-J[=_6)'C[=2:`/<]N'MLZID
M-KH%,PTQB0HX?SU=DQ'&D8D_`YGSNX';GLH>K*NW%`K+[U\6PF7.$'W/$G=>
MK;UAK7T%1N728S!7==[B,'M-`@"2U>6"TL-M.:T/=(O='1UZW#C.DZ6;8>$G
MNX<Y7053#)^TSZ!7I`C_K;-#+N5S]Y4N(2^<V>_?#J%2!J10*/5!6A9`30I(
MRE4@8:L5AE+&FZ&2'M#G=D@4)U#JQ/7LS"8%U*Z=R<E9D:T'%#DNF<B;TZ>+
M3=?W7T6L[9[C>&%$3TP3N*,^:^'R&RGMJZ%F)K>]NAF2!OU"J@H1+2P0])=(
M/OM`1U]S2*V9H1J1RCE[A072WD,UR0J00T&";OG)_M;QA_MZ#+M8L=8$8"G^
M)TL!PC%%'5&2?QK+N!T9+[;U06SWBY6MNZS$^.^C\>'5"='/!"S?]$=@@Q($
MUB\/P[NCL=]1FRO0R1BN+OUT)0DH+*.7$(II;.-&8L1AN(,F0]"^KHFU&M97
M.N>X76BI/-]],:Z]^_NF/^Y#V=`"ZY<_.X056C=S!0_&DK#-4&'<U[>(A-"_
M&(1%`61GXT!SW<PU@V;.@Z*8A/"_*E+Y>8I"Y#=LG%/==MU3]1R*U&]_=PBU
MP)^,5]+5AI2PVIF+"8!$<[H&<\',EQ!NPU!4#D"I,)!(CI-1TH\?/]5D4D<N
M=C81-4(Z,V]'6%3GAW1KLW)6K(+'O[T&([!X<[1*>3Q[GP@[(@]&(U!2I;W=
MTL4;U=!P^4)OTIXQ!F3;0>`&DE0HW'",2CY?^(W'"[JAFO@7U`>7V&>JHL/Q
M$"8@#29@;>9.5I(%H!0QAQ!*XPZWS?:L_SJA&FY$T\E*=>DDA3O<[CJ($C2H
MSOOUEP>*7*!`W!:[0'.ZK\`J^>1B.Q-,*^8/2,[^!\=_+>47T&EX0%*J+PU/
M=,])!U6A5+,"RHCVJOQ^<]+V:GY>"!"N*J?P-`X70='%TPJ&:%%0S.\#?AY+
M<)%5BSX!<2@K^B0*_8+*S'5L<\6$Q"*IUC9N?-DV[F4U>YZO9^O.=/'@#>Y]
M8?-]*[2%>[')@?Z=DY1HU=YO5YU9]*2;N_#YUX-+;HN7:3A%A<LO;A>$2O[B
M)7\A]4T\$=TAK-O!_/!A6Y_^%/$(<`.P2&[&NDWO."&)1-U_4/:-?CS:5#CT
MSJ*\/QJ_V)]"%OJ#6[C&/:G+-JQ3(7E$O03&THURE?.G<OY4SI_*^5,Y?RKG
MKTZ%/P'F_'VSO>&GPWX/S)[(7AMIIM^%7'"_UA*3UA_(ATVVAA>7HG_>DV#Z
MX?3`1F7]Q_MY*MO=X7@,UGM(%I'-0@9`U+@?EZD<+(C+=@C<M+JLE9&>&V<R
MP=T7.HG?[F0`UV4^N5"SBDMA.=#3&*>>5`JW2N&NDL(]:7T*MPICJC#F;QW&
MO.5,O_ICN=K\]V:V>N[<+5>KY3_GBV_K*L.MWJG5ZA+[<&?9MO639;-5#6+&
MFO8^OJ$??R`_0NW>]@;P6_5RX0J7U<FW0J0-M=X(C`_>BE*WH(!BX@DYV>PC
MV6CB*HSO7,H$F/^#OZ0$%,;[M*N->R.P=SMG01D0%-/$!?CX7.-VST1'*^,U
M3'^G]M8[/4B71]=Q=9,%G8,!:-JHWQ^"*E.4E(;47$92N'TH)VP%8\'X[`!.
M>A,@H6&%BT@&NTOEASLW'?JR8O:HETA*''>EN^3A:+,9H=3^LG;=\7@$%D<0
M(Z%^31<63:1IE-D9)]R?3?Q+,L=N*;B@D2@5#5[8!>1S/HT+L<9C))_QQGZA
M.QC=]@KTL1?^<,-J%&8Z4.2P!8H\$P&4BU'V(R#W`0?N*RWYLBZ/SDR?:*88
M`CB.VN\'/7^"!VD65#ZP+X;+-<MC]Y%0;>C[QZ.Y<UZ"X:IA>G2_WP.K/\]8
M5S9R,U0393,*2:$%[]J09[\VEAIR69RQ.X+CJ!"Y&$6^WX`>*\F@!:]6OL,/
M*(6SO+^S^'%9%PO2<O7$U)'JK;W@'7U^:0;#0$F7=>*O+A;JP!\G.S2?=Q09
MH97"<EJOUS\/RTT?_IPN[F?KSN-J^=QYG#W,5M.GSA_+YUGG:3E==.ZFB__U
M*@^_?9^NIHO-;/;0^9_OB_ERU5E_OUNN'N:+Z8;^[&'V.%NMIG=/L\Z<_M9J
MMM[0G]W-%IOO],^=?RS8,'K6G>*_*L3\IKM/-@;28?TL@BOK#^M`V$BR.]W\
M:VKNOAUU-O.>D-W_'$VJG_7Q!]4;_9*7__9**!'4U@X?]%37U%9FA1D1>55C
MB*?OSOA)H`UNP"S%E#7+'P2G'WS4MR1P;(Y'=7$1+RKA*!!5"M_WQ^4?MZ6;
M[KQ<NVPKO!![2_]"?R/=\1AP7(,P&8TK65!&N"W@4Y;NZ;O]@7(RT^V]05FC
MZ!W7M'O/EVY<O1FRP!ZA89<6V?G=0\B]Y;@.R]H=3T9@*0`I:S:BQ#SN<?O@
M&=R^5N1#_V+\+E]/S9$?;O>V-P(+H>8MWH`^"\@#MT_^TKI<6"ZAC/=[`[#6
M`RF+-J!'`?;/G=BX])?),%`L`MA,]Z,(E`&P8`IG/6CL<8(HV5R?ET:T-G9R
MRN:S[K*>CE_,AJ'FZ!"LD4[ZLHW;<"DRB$QRE'D7J6@%2L$MNT<%B/?\9]I@
MI-5#NZ3<81$%\/%VQF\;\H73&``*'I14F`#I"_T0>F`I`X-Z&(@7E8X[KBKX
ML..RCC[XD<8N4-B@/N35PD`MR.-$/0181Q'VJ*"_6NRD@OKCLE$V=!&'Z36.
M=R\E5:':8M)!FJ&T$*KRQ-.XZ[Y:$$_K#<Z#>`_S]?W3<NU%VJ9WR^^;SN-T
MONK\.7WZ/NL\SZ;L;UC34%EQN'AQ9_K#.KJ/NF'_J>^/Y)GH[*=>^SII(;7H
MZW=?B>\_VN3O(S&W7_X!=SL!:]0EL'Z%[#*.Z*)/AU.H>WTP$TY@?0F[O8P*
MH\RS0A)";R@)BP+(\,"!9FCF<*"98W$5DQ!^XROBA_6==UE/Z2=#_V'LO?DC
M`8^[I;EB,TE8V0S]A85EVN%_WNF.X02/\MM;L,)D:51*V!IYH($60<5]+[@U
MI,/A8@,)R;$-3AOA(P$JT5S2H2G,G)-4>9A#WAN"I:$(TB`3_@54F74S9$NJ
M\8<,^,T0AP@HUQI47$LJI1*VBIRS$[&P9(4.82%VL3$EZN4\Z:BU84H`%4#?
M`LWN\GCZDQ-1%/M3NMIP".>TS%X;YX;DW)3B(L1]0\X/'Y3\,+LM9S)85^NQ
MTP,(&85(:0U02@L8=YIO)EM>J]_I?F_]9!F3'E-@R2(%"+D.S*0+M_$\U&I!
MA9O+AGVSYY>GY;]FL\[=;#%[G&\Z+T_3A:P(PNSPL;>^"+DC)J7+9:T19=;@
MT!7)+O'MF+$8`-K-!#*#.I^"*A'K\\\'@\,71X81-@[8/.K[4,A_6$?;\2)@
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M^V29;ZSOPHJX1]M<QB=M'[#&`99XC!"$TDX`T]NVP'2CVV_$C:YT]I;?>EN/
M,059'BU."$+X"$DM?#WUVH^%E6Z^D>#M2#G4P+K5E26J51A)D6:(E]8\M_,X
M]$U%RN&@1LM(C*@6XN5"FB%>6O/.3Y4/6'TNJ-<Q[EYZN9"32`D/I^$,P'(0
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M/!21"OYZ0]X3.F@<,.2-:@`SZ*H61KWXTO"_=?+YH,[GAI("Q4_>XB"035-4
M!%!QB;0M42OIYN'\;;!O-;`6!J4HDIF?>*+[&IF$.X#+J#3C774AGQ::%,(B
MJ<VX:!+E-3*)`.7<YE+Y\L%O<.2835`7="5CDLO([.^CD4QP#"Y5;3(!BU;R
MEY0`5'&E1)VG\[C';E+\<"^)'T#V@+]<L!'%Y7".._>[1.@/J/V'_)"I;*,`
MK*DLE%&0C?1JJL^Z0XO(LPW]3PH[-VI#2C7?5#/X$)%=A`KY+;.+H*)JR>+%
M,+.TDL50UAWKM7/_SK*+G(YA=@*I=>+\:Z>CF[L.$V#'CV)X_\W&8I)=AXT%
M.CJRJQYC'`24S<W@KQ-D3<U=7(5"_\.GR"=(?K6D3PB'CI6UWS]:]D_=WG6U
MFW&-47@1DF3>6A?K="<]N.I[@?5!7G>E%)UQ]&0(#;MY?<Y+(D&B.]%N:X1Z
M8N4V*)TO*-QF^2478=]@GXT^KY,RE+Z32[=!X2FB:EM!Y'3K'G6;7L^)Y#FM
MQ@#2Q?IMT'V6T-I6Z]C>GA#UYO44A%#;+OJ0O:B[S/(U-K5/6:S3"A`E"S%@
M"DBT;>9"\OWE<\=LGQIOCTL"$`(A4TIMLQ=4,8\JYJE>S'-SC;4\O'.>O0QJ
MK)KET@!J41>V%S+.R1P!MLVD\EX)^[!E0)(E;0@V[5B<C+;`0D",;;.;3LI$
M[K["ZA&&]1J!D4)%6W"1+\2VV5;!'YT7W=BQ'ELU8B&Y=%L`D"*NMCE@5.*V
M2MS&CU&5N*T2MU7BMDK<OE:47VWBMLJ]5+F7*O>R>I;=Q;1AD2P[O\VRTUE8
M;N=?Q.VP<1MOIO$?LNOH3D?OL.X`EDE,E_WR@OY"V(.R$QB3'99>`)=K%]!'
MR:/4Q<1-G8@PKU%K2%5`%*-)?KK==+L]'HY>#^JE^\YZ:1P^;/+.EORD#T?*
M$6&A]NFK2^R-_FOZPW%M?>LR%W6-:2HEJ91YG`F0<-E<UTFF40;$,0\:6.D.
M(-T@EH(L^&4Y,N7KK6T/23$9\'LS)=@?U]GZ7P+)5XU886VUS4TOQC[+`7.8
MH$ER@_9JC?"4I/.J89FME[;%!@I*E?4:PVL572_N4G30MIB$RO)163XJRT>E
M2U>8M%'Y-&[;TT;%<54<%S]&51Q7Q7%5'%?%<:\5Y2J.J^*X*HZKXKBI<=R;
M4G'<^#7#:9<"&)^-UPU^(5ZUQO'PRNN#[<147A_E]0'**;@X:%AN?:T=(=))
MP>WHRI)<^SP%RINEO%G8,:J\6<J;I;Q9RIMUK2A7WBSES5+>+.7-2O5F#<MX
ML_Y)C+=WYLJ:?A);?R.LR>_Q\.%W_OU.'^L=U^H\$)?8!RI%7G]@.(]72%M`
M6H(R1MC&BLBZ>&P!=`!6#C'E$%,.L=_2(99]#LW->WV_95X?PWR[.(GB9*9A
MKT:)R"`9H8--LB;:YN0XXS>+6R9G5L^WTEW2G6C].HMDRE$)`C>0K9OA`*ZL
MH"N&).-T^<J2/ZDA[/UD;FYMHCN,_U&=Q8<R:/[-X"JDO+85=:G`A@ILX,>H
M"FRHP(8*;*C`QK6B7`4V5&!#!3948",UL#$J-=0P[%KD7/13"H,8L/V48@).
M^B8%OPS3-TD%*5200@4I?LL@!?^(23J%:AS5E$T,PL""L/3:YCZXWJ&=!0%?
M<EQG:Q1]S>,ZI:DZ>U!G:_S6LU\?9.N2'6\02G]0XXRA=$)PXT!(@*UK"W:P
M;-?XCQ><6;[R._&Q\=-UUN\(D(0;*06%VK;F7J?LQ?U&DYU&HPE+-0Y[%Z:K
M3>@1$V\`H6$[(93HM$AY&M3XODJEHTT0X8LO@,2H+9#@"X=>K76F(?&)P`V&
M7,$%2!BW!0DJPT)E6.#'J,JP4!D6*L-"95A<*\I5AH7*L%`9%BK#(C7#8EPF
MP\+KY=SQA_DZ'</L,`%U?']&1S=YW=&<Y-0K^B^"3R3[07?\AM"=?[!7\'_!
MI6?XG:A]XN<)!_#4#/6=(#NF>FYFM;!6&1TJHT-E=*B,CA([(^U8X=U!NW\?
M'9?IYHZ\6C;9Z+]\KU%8DO-`_/^//%"#20\L*@A)>..9(C5I!7<`VI\,F;P#
M4QR>9N9\AT@LW5$/KA9:-K&-0Q!0^FV+<"MOLO(FX\>H\B8K;[+R)BMO\K6B
M_&J]R5GF4W!CA4;6"S6X;.(:-O$-_IAO:IQ]-W4_J8/L6#Z'-]O,-AS#?'LX
MVO1_?>,M-LBTP40#RZUJB"D)$*WU19SWX*L1`[@M'BD"XNB+2F#<!WL50E']
M6\,\1XNX$QFS)$`?VWO=<8Q78^NWUHD8?:1JFR[OY\(R>K3L8/[TZ2.<R0GL
MS=<L;]>X)^I%1&0JC8<MVSG);-;*,N)GVY](#*Z8`0N7U[B;FD))Y.\<_O8W
M4ER+X(6]XUAW4G"C\>0JKJA\9J]QES6,F2CTC'*SJ<PQE3FF,L>J9XY-:A@Z
MT$#S'N'1`ZJS3ZG32.6!J3PPE0<F??Q`;B%BG6U!I-'=>`I./3K![?=7V3@J
M&Z=]&$WO<)]BN)U.91C4V2NE`JD@L(&[=\I,)"BDKVN':=B_Z,DRWS;T(1+V
M,8J:B?3!''?0Q/^V4!;6*>YD\>J"R!PU,D8Q)Z8HX;\MJ(5TV;XT=)7BJU)\
M58JO2O&]5I1?;8JO"ONIL)\*^U4/^]V6"?LQ>?P?Q^\0T9GN/2T:H!/$?0VP
M]1++J>"<"LZIX)P*SDFY3>?FJV4?@@&LUC%\)+-&,M'K^N9V7&<S_CR"$(;3
M"DFQ;<[=2S_-R774G?2'-7IK<Z@!`4>)35(D])HFSK8!Y>XK$LR][I(W2BP)
M[<?>L#Y'2RH=%8*NEQ\,7H\WO4$/BK7454%0+JZ^*/`J()46>HYR!%&;*Z5^
M'`.QA@K''-^0B%3P^X94AHO*<&F?T:""42H8I8)1*AAUO2B_VF!4CMD$=4%7
M,B:YC-SKSOO4W+'_F_U]-#[U/1M['5RMMS=@0T>SUI6`67']A+@4$P1N$X,1
M[GZMR?9(::(L!]1KDPE8CR+^DHUH,)=[W-EWLU];KZ7YQM9W9/=X-'<1![=P
M-G_JJLVH4$`&N%/.[BW[P[(IOP_DAWN)Q3[<6+W,E9LY4@5E@;O;T#0,83^&
M(>RYN;VW#@?+7+O6]J^`G<'HML^Y+77'_O0T1MGU]<5^(OC11K16G%_<,PZ]
MP=&F[A.0<D<P9CCE=2G*$_AB(YHKR"GN@;<JW4NE>ZET+]D!G-J04BV`TPP^
M1&07H4)^:YP:DP"U7IDDP&`^U#/1V3_:=72W\Z@;=N=/?7\D<)F`_K+AJE.7
MK>DMJ;(!53:@R@94V8`J&U!E`]81KXTN'C\[/:SN[6M@`[H$:<"?^9<GNK9!
M0>7[H0IMJ7P_E>]7$,<JWT_E^ZE\/Y7OI_+]5+Z?RO=3^7Y`*%?Y?@+RP6]P
M1._7NZ_HCW\8Q*;__OWKB7R2O2^$VUNPTUN,A/)`CCX:>-J9-]*Y7"E07K\W
M`GL+%J)$`N!+*C=$>%G!H3_;B\@%Z)Q#"'IH3A&"GG.LEQ5<BXYZ<<Z`WF?R
M(9'-\-S\.+J.IWLM>&SUM0%8@7O&NC+Q74J-%S#/E`WNARB/AW[,`YB[)&-=
MU/J]E`WNQ'%5BZ)J4?"A4M6BJ%H458NB:E%4+8I$C7Y?;VS/W/FBU\,WZY/8
M)K-[`BZ&-W!G:^;*C6A45!:XRQQ4=4IV=0K2@;^J.D55IZCJ%%6=HJI30*,*
M0("0&%6H`PN%)1;!8#QL<Y&25J9(:>:XQD%G$XH?CR[[9X'(.R_ZE^<CA"M4
MBI;V5PY_*5A752NI:B55K:2JE:08W]E'3;)`H\:IP6)$U;M?A*I3"DL3M^N=
MPV`PH)#+WX)N[,U/LO\DSW27O[-YA<,:*YH*T08"GI*;*0-/)<5]5;#Z%]'M
MS4^+3;^L\PP2(.D*0'0I7-P!I3+L4:"0[J1WB^4LBHBZ%OR<"1AW,*L$@X_6
MT:8[Y*9&LT^(IBO!SYEX<<=9RO!G?+)1MWVPF%I)FJX%/J?BQ1UX+<@?X^V1
M/DGT/>/4V;P3F^BO+F'[98SE.$HE\@H`)J(`W&T+58FK*G%MWXM0E;BJ$M?,
M4UN5N%X=RE6)JX!\\-<]J90FE=*D4IJJ9BU,>A=9"^O-\OY_._?+YY?98CW=
MS)>+,&]AH=NV[M*G2I6<!*\I^[UU^*!\>=F5GFRC3U=-.XBQL7[7Z3M+=\@N
MN9KW4V=Z=-^ILOY#=M_I=VV/IN5'1,W=U^P750!EX<4VMF3EY=4'8+J]@3]'
M($BOD.@@EQIO&PU[DP&8'.73*_70J@684;8%J/*0G(%0\+WD_RD*UU,A@%7X
MP9#<R`EP2<_BR%[PR]?@;QAZ_=^GE^NXIX'5;]?$A(RCHA[$2C@BRFH7MY\(
M1"#+H^NXNKDSS+>D0,"B-34QH>`NH%W`/'=L<'^R?A([T,3!<)D4>F!=R"$I
M_\V!G:%'W*D[4J7P_>/C7`I]L'@H).6_.9HS](@[C<CC]X<D*5S:9/\DQMN[
M2W;33V+KT2_X_T3K:B/M%M8^:8BSENX&!#C`G34E54J7)EV6E.[(FV&:]'?O
M=/HY7VK]'E@N*"9.?_/=)!$GN)/*ZCV#5H013`5U;YE>KM51WV^(?>A[`@/K
M$X:$R=]\3\E!!^Z,N7H/H4R!]=NQG<HS^9MO)SGH"+;3&/%V`M(/5-TVMC!/
M#2%*\!+XQF+GS1T?F47VP*H,#H5)ZZORP0+E0%FU364YP!^^03(B%=X-0N&E
MT=OL&2$,01#WZH7&T"=)@XD:*+OX]]CM^(37QMW.2?F&U5@+DL6A^&]#*+!J
M19S_A#1)HNDIA_&4]JZG_QB;(9VBRG#;I'...X')M]1_6@FZ.9&(+(U%_[B-
M&N-RWGC60M5$_8%XHGZRP>#4<8X'W^DC/VT_?F8FEJF:PA]?9S>#$=AP<@EV
MD/>)L`9V,!J!DBIM.Z:+]V037?"%WJ8_8PS(F(3`#22I4+CA6)E\OO!;AQ=T
M`UEU1?7!)?:9JNAP/(07W&`"UJWL9"59`$H1<PBA-.YPVUO/^J\3JL=@#2).
M5JI+)RG<-6Y150IF3&V;\>ZU7[G[BG\G:,DR_:G;N]#9#5BK)HO*BK=1?*X#
M,5IG*5UYU9[<9&<R:6^M6T(>:>)(1I3&8#=*=?)D.RT%UHYZV">>."O#^>O1
M)L0;$D,<=Z6[I*N-;L>P"7^0Y(,]]"NA+]N!":0]W,8&/S/D4A0_1$01=B5C
MR1Y^HB]8KRXXNEL`77!](3?&9&[?4`9_6GOZF3UE,MK`^&XN<09:@.+Z--B"
MJAS9PG@P/HT=,7>A*(8UEP9+)/\WA'*:]EI0,"-!RK4F2-;T7I#[R&PH[U&N
M_Z">+5LBG;&,,LZ+;3!G+E:*'?9[ETV^YHO-=/%M?O<TZTS7Z]EF72$T2)]1
M5/@&E:XW[:]R_._NZ%!`.,YT^_?1<'RX,5?,>-B#BK"E+%G^].!]D/V1OCJ#
M"/9X#!;:S%U<PF875%*X@0O(`WV<,8MUH$A>0_BLD9LZ\<D)71:0!_YXIA@S
M0(\+.<KE\O5/XKCW[_1_B'VO?QBNOI_N/@W'LI/SN#G-9E(2G?(^!X3"3$V$
M>"S"*FYWY3?+VOTT]OO8R.O?W/:@[.&+U60\`,*/AA;D<`)OSI^L*0&)^6JX
MM+73^#YWSF"VG,M@$^ADE(C-\%-=K3<>@#D]PU7@X,<Y^7BLX3[A,C<,>-Y`
M\8."SX2KN_XC/;BRUOY&];M>#S7Z+H=B)6MEJ=D"V>J)SC]!2;0A'R#+"@92
M9Y6GBEQ%YC(/V)917D:'#[[`6KRY!6PZG%RI0CJ1Y_VYT\V_#/,M,E8G8\ZU
MFE:`</D%&>C)%&24^)--/?*+*/_D@JJGK7R&BX(?BH'"X,]!6R%51%=/"K_H
M76("[$+5=M:&/"@&ZD<>KT`TA5\4SJYJT0_M,OKQ,%O-_YQNYG_..G_,'K[-
M%]\Z\\5ZL_K^/%M4"H4\T+_Z].:8_$%V;_0*F9L.?0Y[\J\:%HF_'3^BM.$0
M<%CYQ7KE]U/\L;FY)1YD'BA.G>[DAN>QD\W!Z:(2=IF(,N)!0[F\X[8K8@:>
M=??(Z(KH!QPVS%VS,=6E<8X[[RZF_T_=-MAKZ23G=4*O`W@%\I9N3(\Y<L"=
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MU5F_$^)6:I_YHMO$=%G)HFY^/89_/S=?+?O@53`&2_DK50T5STR7A:I\S>=U
M]`@?[CMB^`<\_</YN4Y_=/+1\I?1B2!"I-WVP1JF<=:3L,4R!!QNK&Q&<=\\
M3^1-W_L\^I;=(*>WJ2B&SCY<'D;G"I!"76&$9X,D1XHA4+BLH'^.\9C+?,4T
M#A$IU-4`$<X+BLL*_G>37PX^_>%X(\6Z([@Q<Z<KE<?,O>Z\3\W=PY$\4AVQ
M-&"G.YIH8(%USGH24)4M]Q!4V;SBOJ"6[CNQU^^6[;)&6',OH.`EV76UFQY<
MBGSJLK4I38AQW$^HZ2>U;9FG_-&RU_J>K,F69589A,)/@^MFG+YL;<H3XKSQ
MMU;VI?KWD=+R3-QW:Y=$W^U``TL%3%FS-K7E\XP]:^R5V#;9^<].<F\YKK,@
M;G<\&8$-L$E9LS:=Y?.,.T?,.^=]5JE1.!F`=>5,+%3O)7;)'.Z4JX#>46\(
MYO:O60T7'.$>\'MOF3OZ*@GWM*'OHU(7YU[WN_$]Q>D>VLTM5%)9(4K*/T;B
M>M>L!<,:6*V&IA2Y=$C`;C4U7S:Q*"*[\T=/:[/R2@@1ZH4K?:](AT_JT7AY
M@.)^63T9^@_639<^*"+2!SVX/K*<]=!H,%L6N!]9WJRU=VM/:73\QT?$PE"[
M!3,_TI=%HU4AR>!^C26!:>XN&>IJ?6T`YG#,6QV-IHN("?=3[M)]0$X"\Y,Q
MF+\R>^GREFG0'V-]_.$8.T.WOQ(I`QQF4G(@4KXB(SQ;3.11PYA\MG"[Q1<L
MC^"4![I_$EQPO*LIRLGZ5',:$F40MYWV/T>3DD,YH&32,](ENX7%JHJU?F\`
ME@B1LJB,(*:`V1DJ4(!UW%O,\UTE.&9Q%]XX;(G>N<1J-6LKBUG<6^R$Z+X&
M-].S.>6DL(C\:5/4+P/>/U&.3TLX1R:3'\@<&='>>L7U$@$RC=TV%#;%`N"'
M^](,%G](Y*0/UD^Q"F%(@"%)MJUHUUB95:@&=]`P*OWV!6)8PMM7=&=(4'5Z
MKD&*P-`GB%87#U3#/;0[`8CA%NP$7LZKJ,#PY\'RO)?C00]N6"6$6[=`4"+=
M6Y_DN_%W?M6BHGZYHJ+8:NI8KYTE-3R\`B#8\J)XT>5KO*2J,U)U1JK.2-49
M(38C59V1JC-2F8%5O:@J,U!E!EY_9F`*PX[+4DC8H&ZZ6AQ7T?I#0-[XBZ))
MKQ&0"NY`TMRDCQ_R9#D.JUZD0G$-\VB8;_'CYH[0UP_Q?V^C_R+.LV%Z#(0M
M+RC[IU])*_31M![<O,P:&4&#OH:4ASLQ,&(VV)-WQ*2JH#M2TP9@"08IBR)#
M2J90<&?_+8@;XY3:W7VX+NTG2Z'18*H`<%<;K<@G,8^)B_%F-`%K7W"^&!KE
M94@!=_X/\X?9Y)V]+C^#:X0"<?E*3Y+N6(.;\9JQ+AJEBLD&=Y_JT[L_F0P:
ML4*OB!Z8NS=_?33J+B:JJ`@79;/KT/H+K`%*^&@(:!N=+"9%H8)OT?/N?!Q^
MD7OV]1^633E=D3U+\HWH[T.6HW'7;$)M^=SCOCV]O-^%91KG\!O<WH(=J2F+
M-J$_`?YQ>T?..>Z.;\9@^^Y\L28TEL$P[E>_J@Y3U6&J.DR.AJZC.BQX<S-C
M/;`?7G3;K_(8:7!)8ZG+2M!GKC/ES-^0S3ON7?9@?!KTU19XIP./MOG6G=Q.
MX.8S\M>L4W/Y;./>=8FX0AHK]/$U`KN,\]>O4YO%I(';%@Z99D?("-R%V\!I
M><(9;FM7E?^I\K\KK=M2Y7^J_$^5_Q5W;JCRO\164>5_JOSO-]P)K2__JUI*
M-I!12L8&.G0>]];/^DK)V)+>BJJ23%62J4HR54F&V")1E62JDBRWR?_NW\<@
M<7QCK<C6HI??GIRDL&XL=NF]V!9SB^[NOK[3)_'<C/RBTZUK?)XV\!K"!6T@
MZ"V/W_4[O4'N=+H`NT2H/CQ[H:N-;GM@?E?^FA*`7@<4(@])KN!P!T^\?!D.
MWZ%Y&)F,;-P'W-1I83):!H]2XL4=E/DM\G?KQ$BI+%\(7ZJ:]*+JN54]=]%=
MH^JY1?<*/<Z*'IF#81\L;Z,X.<WL''YE7GE)XC9(4UCS'<FIK($9IL7)P0X2
M,4GBMD%36`O$Q6?M)L\W+1TD&>1@!XF8)'%G+`53LMG_L9#4I[YGHGDAE$B6
M$F<3^FI_(/[_=T<3N$K](H2@`49)Z>$NZ><S-:5;P+:_*-K_U/='QLT-V.M5
MB`+D($B7%^XYL"_ZE\?_HV6OR,?1WKY3[++'Q^'`8J/6]J^N=M,?@%5;Y:\O
M0?$2KL8XJEA$7KBCC"F\_),"6?=ZS5!&P(S(G,5;H76>I'"_)$)&EJ]A(KSS
M8@?#Q3WTTI/-_P$QMR3$\T`#3`\H3!!.:)24Z+6\*7A=KUA[G)NZ7Z&"M.$"
MD3PYX[8U.9OE].8<P.$E>VU<>!"7$^[G9LC'QIINJ:ULD^FG;NR9\YK>I&MJ
M.:_)]FB'P]@&<,_-`H3`(:&(O^X<"04EB-SPM*TM(3L_MD=YH%?DL^XR-KZ6
MKUD,#GNC"1A$RA&%#"[5)8O;@!675=I-.43@%Z_7(BD#)'ERQFV1M+BAI830
MH6A7R^;OD=I$`9OETLK#E9>KE;+I,42FZSU<2VXW27+&;?ZK^GA5']]487.E
M&C9MU-/.:]CNE\_/\\WS;+%9=Z:+!_K?B\U\\8W5M3W-IW?SI_EF/EM7*%5C
M+WS#OWE8?,G;^6_TOQ*3L:O6I;';*_KP]FO!G@9A#2*UV,#>5AGKEM]P"7EM
MK)DGA'N;[`PW*/;2>G`MKG/6EE&94D!5B5;(@A)!8]?Q[PU7-W<_OIZ(ZQ*;
MU64FF1AJPS&46K,6;DBG@K+`;5B>,DX/,O]NH>^,G#M2UI$3+EGA>C__WEV@
M/^\2#57J786#_GA0&UNI9$C':ZK:(I.@C(B0F`O9/;=T2KI?WS^@+V,@U4:K
MU*\Y'H-M:%!SP>93E+Y#$096IYB^K*SSY<O3R/+UA?[4H)IC?_NL_S(.QT-7
MZT]NZK+4TLF``&FZ]OA'C*"4<!L[9RQMB'WP\XE\2ZX[&&L#CD\RI95MSM=0
M:"V+1>QVC&ZRQ]D3R_!T5F1+C$]VL-Y;>];>U=;W++3"PBID=V?9MO63LNRP
M-M]P-FLYFIH"0E7YX<Z7>=0-V\O_C#T'R]?7'_I>9[D_[X2X*\/YRWG4MV1Z
ML([QV_ZK>SOL@?E.RY/5#$RDB!&W:S1/*D`ED?"6RZFM61<;LHHX"Z@E]=5S
MSOYY`+2UQ9E%WW=`O1`E/X'+.4IKX:VXH[0@NL45F&+*I0@&?_>D@I(`:F:(
M`LJU\-8TE#E-G<0$@[_+TYGS!NAD*N:=2B<T\%Q34G-:VE4D59K3/EV\)]ZS
M"[[0GX%GC`$=`Q"X@205"C><`XC/5TL.G"3=4$,H"NJ#2^PS5='A>`@;@`XF
M8%[ADY5D`2A%S"&$TKC#[?(,?+01U6.P\K*3E>K220IWC;LVJZ7$C'O]B[;.
MJ]GC;+6:/736F^7]_W;^L6`%D:[Q22JU;#XIGXL^637WY7ZO.\[RU?MH_*K7
M>AI8+(6[8OF3S/O.W'&.9/=PM*G5ZC<>\+HM.@ORT_LKRM&X#S=D48P&"1M-
M3%MQDD11T>`^(%/X\7RB)^S`#6$3(@&+HM,%T_BAFU,(E3SJPEJ_E>X2RM>6
MF*[^1KK:S6@,UJ9'A(+:M5Q4++B#0AX3<=L`S@GE`1;VS,Y<OYEM+"P2W)&<
M4[`^&7\?C9V7J!]7_?LM8;2;<0^NCXH@%0WO93'QX"X9B\^@Y>L3/9<H<N<F
M^PDU4A\)>=&__`#0:,)+J$[)VQ#[:/W:*\PK[G9'P7LY9FMC$'MIDGO]PW#U
M_<:Z(\]T#?K2,,G.RTOA[-@4%1;Z=NV:+,UYH-`Q3H6>'B\KLB.'#_]T,;9)
M:X$QQ$G!2=N-8E]M^#`5XC90WP2G^C+8A^J!+?E1'I52>5^\^_*^'Y9.W0[A
M>UM?K`N+RLR>U5DR"%_<[<^#2$HG'.#6Z\.URKQ8K@)<">NA/SL]1\)BDEX?
MSIN0OJYDN*8H),*JD`!P>X=4P%<%?%7`%SMN5,!7!7Q5P%<%?+'&'G*M=O!F
M'.5>+BD^]J!K1=(4],[BH097C)NZJ@3@%5%/HE8\5PJJWA:BWK:,MC*+;L=#
MM-K)01F0C5]MKQ5ZQP-Q4/(=GP,\865$34*RN$;_ALGA%^BA4"/X@#AH`GR<
M%U`FUR@>0I62Y/K]R[Y1Z]DWUC2JLYJMOS]MJC2(6OM.T!5Q*`.5>T$EKJSP
MNQ^6[7H1OE?+/GA!VKNOX"_#JVQ2AUTH2H\$>_'NZ!@F<9S@LTZ(WCZXS<A;
M6:XE4EJM%_9DCI3:8%-F2.,IBG#<W(X!7>#Y!)0'],(RJ>B(39R@46E7&P!Z
M:BZ6DX'<,AJ*6FIF\8\[/RQ!^NP7&Y?NTP[F(KE<#Y'R.!+`G?YU.JF:UZ_U
MCE!1$/_W-OHOXCP;IL?`/.!Y:NY.O\+FBKE?S\1]9W/E6,=M[]3M:EH/[GRJ
MD9&F\=:0SG"GM47,!EOPCIA4`RZ;LPXWER-E41P`R90%[CRW%K>UKW:3Y#2R
M1YK%-G4<0L^*40^N392_1-/ZN6`4=WJ:.*]0:5Z@CX;2;T7XI#:I+@!9@,[.
M?2LAP@#]MZU/B9N?O+V"6Y,>QO3&'/?!SK2T59L^Y42D`=A>5<Z$KD^#.5L>
M+9LU[?,:]E&;=^F^$YO=K=[,J/X(3+4"!#2MY8(RBKS;\D-[\FZZP"=_<PM8
MCI9<J4*.F.?^OM/-OZC>PM2+T63,:?F?DN3/^8(\2*4(,HK]9E./.YN'=6XE
M-HM-G#,PGG"\5BGB3_E*;2H0X`)W`L_&/CINC)T)YY&>(OK$OZQ-W"G4XG;-
MQHZ<%]VF_QO2/^X7`#K_([4)/I\'W`Y6@2`4=,I)Z5"=Z%4+Q4#AJU8PWB^D
MBKCD@L]O>W)-TMF%SC<!1QX4`_4CCY-MDL8OZD23X.?L?W[0!P7]R?\'4$L#
M!!0````(`)597$0G+34;+Z,!`)D)&@`5`!P`87-R=BTR,#$S,3(S,5]L86(N
M>&UL550)``-YM1!3>;404W5X"P`!!"4.```$.0$``.S]>W/D.)(OB/Y_S>YW
MP.V[=D^5F5(=C!<C>G:X&ZE45FE/9DHCJ;IWK.S8&A5!29P*D6J2D8_Y]!>`
M\Q41?.!-A*K-9KJ4$@&X`_YS=\`=CO_]__C^LD5?@R0-X^C?_^*<C_Z"@F@=
M;\+HZ=__\MO=N]7=Q=757U":^='&W\91\.]_B>*__!_>__O_];__?]Z]NT@"
M/PLVZ.$'^GL89?Y3@#Z&6]PV13_]Y>\?__+SNW?YEZ])O-FM\:=QA,8C9_IN
M-'XWGJ/_$[E_FXW0S6?X$#?]XV_D?Q[\-$"8M"C]V_>'9+O)_OTOSUGV^K>_
M_I7\\SQ.GOXZ'HUF?X4__J7XE#0MO_SV[=OYMPG]UEDNEW^E?RT_3<.F#W&G
MSE__[\^?[M;/P8O_+HP(X^L`MTK#OZ7TEY_BM9_1V:HUKU,U^6O)0>L7Y%_O
MBL_>D5^]<\;O)L[Y]W13D'C$3/,@?\$3AQ!,71)O@]O@$9'__G9[5;9^]-,'
MVG*7OGOR_=>_D@_^NO4?@NU?_>]A^B%X]'=;,H^TF^<D>-R?\*,.\!I._AIL
MLY3\AO26OB._>C=R<B[^OPW]9C]>L?RDX<OK%D_I7R4)7S_[T5/PB?R,AQXK
M);ZE;[4,/";^TTL091_B]8[\EXJ54C8Z1]###)TS+4SL]:Q3E"8:16DBSL"A
M"E@"!YO@-0G61`VW3_U>TVV2'+8D&FA)-)`SIS2W]*F!Y@_X?W30?=2O,MJC
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M1M`<_4XZ0+2'__6__[6:&95(6;QII"PDD3*%Y5K"<LW?$E*.6&-'RM<@>8@;
MK9AZP!R2Z:T^?;K^Q^K+Q27Z>'V+/EVOON#_N;N[O!-'R*?8CU;8XPQ\S!0E
M9+7YKUV:D?UABGV,U4.:)?XZ.Y]-7"/6A94@=3`2GH(V8+%V6*WTF*ZT,X*5
M=D\*:PJX-6VHY$ENAR+ZO6C-:;<^AA$F+XR>;H-U$'[U'X@#O":"L+F*O@9`
MW?L?%UL_3:\?&[Y>?0_3\_%X.=.&4R4DR@%7TRP1*.,Q%74_G2U'DP46F=%\
M.0&165B+:=ULZP2W9MH]V@C%CZALAJIV&.FXI0Z4M]/Z(7[QPPC+[V(Y+,K[
M2#2`<OY9XD)Y;_=49)8@,E,0F>7IHUR0;2M0+D9['\JA+2?.KZ(LP&QEV,VX
MSIZ#Y"I:QR]!Z4J.%].1MBUH]]ARR.3EJX!<3SN\,([CTH5QP<E:CJS&DA`_
M!K:9HK1Y12,4TJ]1@M'U%(7_'6S^ID7RM9@N"R3_R-BPK`8X'G/8Z2^=DY?\
M(WYTFP<1HBJ1]Z,-HLT0M!/>PZW6ZWA']I!QAO>4>(>)-YII94L^A5%PE04O
MV-V<3/6=IC`2(7F"(LKJWJD)8R?%1GR>N^BN`XLXMA8I"CDT<CHB3:97='&&
M:"=GB/9!L=7L5Y%.$>V5$V47\<M+D*Q#?TN&^!R\/`3)N3-R]=F5IA'EX,/&
M0QTK32W*Y1B#4^N.83DFUN."DQL3&.`CR:L^IY*.?H<6*F59R^[`L"PWAJ$Z
MIWHR@JF&8YCE]+1E^9@;@\$F/LKJ(BTKS;>!O[U,,S\+*GG0%T!J'U>59/?S
MTRS?A^VJV7=@]N$88FE_)H(03V;U-CMA=5$GK1`TTR?VFE6Y<;'O4>OM*S&&
ME9C!2MB?5B#$TR`JGIV^NO1OJ9>>!NM=`O=.$@*'0`X.4;K#_=>]`<>=:83!
MX7BRXM]/_[[8'WY?3?T<IMZ%J;<_LL_%BU$Q9Z?+*SY6+[^:O!=C\MOBK;3/
M;7Y./(>YM3>*+<2+&>^$G:!*<"5VE%<OKWZ(=7E3I!O#T']J")QAL[Y<CO4%
MI`1(DCRL5S,)=92(=%DN]1),\"(_+K,W3JR)6X.60BWE7MX&A>7'^$<4YH.`
M^V02H'KB9B<&T$8S)K?P$UAX&A"=C^P-/FOBUH0I5$NR5W37&%XX0P5PBSY1
MU:E^O%9A84RJ579543!<Z9S(HO@P7W>^A*/-Q02$Q=Z`NF:N+3>[_1R4YC<I
M4-QEAVFP,0FVM(1&V)K0,@#\K;':%L%?F1$_%B,X[EV,08SLSQ+0Q+6M1KV?
M=`GC+IR\T\%)D2D$Z4$7?OK\WD_#]'.0/<<;+,LC9Q"4=Y*E#>&\D\$([\YN
M*TF9@J1,05+L3W30P/'`L!8DNP_2938>]'N&2,^(=HV@;]-P-NVS6PUG7F>=
M44K@['XQ`RFQ/]=#`\=V..F"U'?DC9/*=#Y:$Q0_4!3'<N=FI(3<9K<-KA\[
MV+@G_W,^=5U]M3#8Z9##K`R_=9"R]U,NLYL?MLQAF>U/3E'"HPF[JH)0K^B$
MW%GJM*KH=]J5CCN*E__<^=O[^!=:L#*Y?_:CY>B#_R.]\=/LPRXX=T9C5U^.
MNPH2Y="I:9*XKBCV=4^NN[FPM1KGTF-OPHUFKG6"6R_I7K._W+#U/4-T`)3%
M*!\"97@,M!PA,@HBPR`\SI#J0(M3_=;4P='U2772!0'.L0O296]"DF:N#3C=
M>CGP#(!Z,KJ/9\L#"9TMAX7Q$5$&@,LR$7676ZS3PN-SQW!V,E["8MN?=:6<
M7X-[8M6T>Y/1N]ER2&P.YW%;ALW&[;#L>L]@O1>PWO9G<BGGU\0V6371/#[T
M9$0<:`,0GF/Z%X>2JS%/7HPH`Q!FF0AN"!]U6DD''&).:)+?W+$_UTLYO[:9
M5P[:O?GHW6)0;`YG7BW#IKAY[5AOR(F?0)J?8W_FEG)^K3&O'$3SF-<Y-:\&
M(+RWB5Y%F[LLW&Y7ZW6RPPV)%$_U)53+$V@`VKP3Q`WSS@$J:8)2(A-(_G'L
MS];2RKLU\!=D@$<5'!YAT?Q-.@XJ!AI.+PSG@I^(7A!WS1E%"TJN3"`9V+$_
MU4LK[[:Y[()\'!U;F\'\Z@E_4&4@CQ?Z'H#@I\<`I'OXYT;P7G_5:D/Z_@2R
M@QS[L[F4\FH;0AGIAO*W`2V`FST'-#,+O<9)]AAOPQBENY<7/Z'Y7`\_Z`<^
MZ1>11^&>\(I"P]<@>8R3%_*'ZB9&A%>70+JH,F$,U\.Y]';@6MQC;Y$92$F8
M0"ZO8W\ZF%)>K?'(&0GF\<!IEWJ?K+C8)0E<WAV["R*=[F#HS$DQ@,MVIKDA
MF7=5K3=D`DP@$\"Q-Z%+,9?L,,Q:WAE4B<5>>KW\"Q.(&O`9B.$0)6[DCM8.
M$FPGD''GV)L3I9A+:PQ;+ZD\)DT?[FH!D,7`J<WFXC_M3'/C[C",D!<@G4"4
MWGDC:4[]7%J#NUY2>7"G,9)S)(/+/R/PENJ`EV\9(&?->2,Y3/U<<KB0+0^"
M:T7?(;T>?99<$%BT^G[QR&&ME/^7(+M^_!`\!MA*;N"RW[DSGLWU90YR4"('
M*SF6ZZCBZ*FJY@='W5,(BH_MSRI2PZ0)8Z:$4J]ZCP+ZV3-IN"MRCEETEE]"
M-P`Y+:;,;L@U&C*1-9Z"OS*%Y+"Q_<E":I@T9L:4D)M;L4_\$8#/<9(]^4\!
M;7H='=4BGTQ'^A+R>@:7@PTW9W6D]#2N-"#LHJ>0FC&V/Z]&G#$31DB8.J]H
MF;^(=!TI>'*`58*TA+BMP$9C\)IYD>""P!3R$L;VYY:(,V8P+"U,I'=;/3KP
M[J6`BQ@R[D@G9'\%I3%FSGRBKQ3(WEAR<M]']UY)C[UORQVDD_N\$`H<VY]_
MP<R'"07/2HQ7?BA67J.HV$%1\H\P>_X2W[T&Z_`Q7*^VV_B;CR>WT'7SQ;A)
M>OTT^4IETAGG$DE^P]&SG*A*<4#DF)/:JA0*))XO(,HVMC<101V#.B5?&955
M;3=P<;[A;M"7&!4=H;(GR4<->"2NRJ8^6=!4+$BA!C38`@X6Q_9F#*ACD!TU
MFWB]([K<)UR;0<\AM15ZMA5ZHABE!7K\HJ=S2=1T"5Q31),5,F8`PTY].UIZ
M%P>N\R_S8T-[<P%4L6?>OG#3V&A=])F67C$3-2R6H(3%J/2N$5S+7>:''/:&
M[E6Q-YQ!X::UT9RHM26K[V%*!:HIW9H%#J0#A7+?0D]1/>OX6V?I+MU\1V=O
M^)N)=IT*G(6`0^W\._E&1@?O+Z:(LM4J7?OJLV.&X(;%Q-Y`,!/M)A0?"R'*
MQ>Q#_.*'$5W7IGO@+'(&72B4M%::&D4M_YK.$Z1*3NP-@3)2;U2;-9)P)&CP
ME4I1$]%IVF6M1Z_5YPK.?2;V1A09J1]$MS62HE;HF-+/Z&MZ\R&>+3FF18U8
MB[+-^*+!<5^E#[Z`VQ_+W%K9'TY4Q::)N(PB6OO>'VE(:C:"/M.OC%B"/M[W
M1+J6.C\PRDVX_6%/56P:#.TK(MG3BS+Z\E]Y4$*%;3$,QO8IT8BP7I:9\;7?
M4[6&D*RQA$LA$WMCKFJ9M`5;K`1[^:?5>;@!7)GW'`?'%;_7V+:"$$1?YGL`
M>Z.R:ID<W&-DI;3?7]2%M]\B_*?-31+BW[_ZV_?^MA1!?4]H<-.C#7O,[#,B
ML+F_:N%I!3MW!.'&B;T17QVLVF'E>,GVH`$J6Z"\B3$(FC9\ED&0UPCV+3!D
MQ"PA(V9B;S19!ZL#&T1>>OO,HB)HDE<E\1I?X('";$7JDZ6T!!()#(T7"WVW
M5;M&EL0;%T_E(7Q7J^5R#F'_B>5!;&8FM,=_6"GQBB\1?(JJ;\5BCRT#Y^&`
M\6*I\0GQSK'U2'4;7WURG;?#2P&W0Z:6Q\\YV!A*MAMHZ91NH=C3AWCWD#WN
MMGFVF3,9ZSO=WA]+3G[[Z*Y[./O?EC=$1G#*.8-0P]3>&#PW'P:W!ZPT><6'
M@NF>+>NM1>\:D--&3[QM+N',<`:I6U-[P_?<?)CPH5F)D170MDOW%_'+2Y"L
M0W]+*BF,]7D+_03(2;(0@RRE(JH.JM6!YPEF<$P^M3\P+\6;"1C($-A=@N67
M)$[3,U1UI`\W6KP2FW#3Z+[P+!UL^V>P[9_:'U*7XLV@FR-#)X5/59I=`!Y-
MXU6W],LZXA-'8]B<@Q`%>!'E^`@W;!U5BP>W,N90!F=J?]1<#9.FD21+\`&D
M&E\[>$J")U*HY<9/P7:17Z_Q`H9K^N'^2PCTN@[>5W_&6VF\IF?H;H>IP,W\
M9$-;E^XAN9<31K2WL-B-)V'Z!TK\C)RJIC_2+'C1CW)]3J2M*&_W*GGE"8+&
M<XA,3>V/X:MATIB?*4MI[G!V>IEG^]68!)]"(,JAN&BY=/3AJAI'#C9=]-91
M47U7AH26X-;G1^53^P/F3#R8D&D60CQJ9L2.#AH658L+IU$(&QVPIGD#Y[@X
MT;8_9,S$@T'WB84>&5F\6S\'F]TVN'YD>P*`AB'^8^=O\<)=19N02A*4PIJZ
M2WTOM:JC4PX+.N=KKW28LG$JN<G-;GX$:F\HVN@<F#`H)ACQBD'([H;G'0X(
M+.:CH7(XL:)I^;8JWU7E1F/F3/0]U=HTHB3$F7C8`VM#B\K;A4J[<[A<,;,W
M3B[(C4%CR$>9=[#'%[607>*@Q]:9%>EF^],YU?`$PARBO3/[(^F<W!BQ"5PD
MJ9+EZI`K%X*IJ[$`\=%PDE+<3_V>"!]^7DTO7#J=0\1K9G^$G8<5D_J8G2RO
M?KZJ6GCU:&%3PMNL?]NG%@J7S^$&S,S^6#D/*T8T+SL]"J2VO'?T,4[(,>>G
MF*3PW6!:BSH5UX_@@]^2>TJDE-BJB&7D.=FDJA'V\=FKWZ@84T[:-7%=5L)3
MT7^^[,O1%"ZN%)ZCO5%T$ZSK1*`!^KVJSN0CWL32N"&,@.I#D$UROO.EHT#U
MO7*<XC8$YTLH:J5^\:?$^D(SUI<@,+F*MS?@;X)U`ZZB`38\:)J2@#Q&,CD,
M?S<'0%=9`0\6`)JQGMA;0W1#(5NE`C$;@4#D>PU[H_LF6&>'M&0!7+U\')AQ
M4B$7_P\UXZ\'9GP-9CRIS/@QZCF+Z*XBDC3T2GJ\6\>OP?7C+9X#_)^+&"M"
M_RF@PMV4/=`&Z;X.)?$J0&^%Q;[&Y?9H.H55@DS'F;T9!=)\Z7>"Q8GS:FT1
M;4Q00)M3KS;O0)O$NR<F\:Z,Q--;(ZX+F4HS>],7I/EBE_@L2,0=07$*]\0^
M+<0^(<W?Q8_OUKK%GM5YLT;NF]PN]NF?P_1#!N[,WEP!:;[,.4SB1';(/O6`
MBK7G$_[<.PN^AL&W]#,YY,22^"-WY])&AYY47V+U>3B[E\.%/"\E2#B[JMZ%
MAZ,H%U($Y_;&^15SJ=U74D:J5YSX05>H[*L\*DRECP"%!9'-K3H-4!V[7,)K
M"(<]+N0ZSNW--%#,I1EW3!F]!;*2'%DO>\BBN_?C33ELUL,(.>-W+W&$?WX-
M\))N#`&.T:$[#<0U.'NBBPLOP[OYRS%S>Y,C%'-IS!%41G(_ZE+YLS"2$/HU
MW.S\+2$O)^HJO=CZ:1H^AL%FE7[!`K!>)_@3\N3N+KU.[I-X][`--A^"!\QH
MFB6[=;9+`OJ*15,=C[:7-12.+0=,S;-0O?"F<)Q*7>=[:<@FF]N;,6)R"K2[
MK6;X\*IA(-B=#X3"%%5#(3]%U6`(1L-2@(KQ$!D0U4:T04FPN<1O74D<.]-Z
M)"L_=(!,BKGE23"&IL",&VZ&F;JFH![Y0Z4IUGN:(JHT15IJBJS0%!NB*1*[
M-`7K2UUO7%4T/1FK1;9<D"U(P9A;GD1C:`J,[1_,\*-+77!N/^B>Z,9/LP^[
M8)7>QY_Q`$2\B-!/.%)BV_J1@S$'=24BV]I4^SP'E@*2(>:6Y[,(L*/=]>:G
M*:]`0=H@W(B(=1:CHIUJD65S;(<2V6.'LW\^QS"?D*0PMSPS1(`=,XX@/V&Y
MW+X2N=V4<ON2MSM#&_\'9P"C7SX8G:VAQ+?!">J?5WKQPUU`ML'<\CP/`7:,
M.2?\M'6+,*>[\&5'KNB0F'J4!NM=%GX-?@U3+&#AVM_^Q\Y/"#P_QLF%OUWO
MMD6:XK.?D$#\XT=_C3\EHC1M>KF@1=!5C"D'"DU<E_A1T7\E`.!I+B"[86YY
M:HEFUK6[0GKI]Z![R#LL!T#5"*@8@H8D:H/0)G08A,=!,-"06&>[;?/6L'Y\
MVT:MP$`*Q@)2,%S+<V(TL\Z.=;G;-GK9J$%^78/\<P7Y?]8AO]Z'_)H.\R[&
MD'\<'/*,CNQ;PWR#@ZQ69"`[9`'9(:[E.3N:63?F>.OE0S'J.;WZAJI9]QBR
MZ7.\W6"6JI/*[8_+K_YV1POS7C_"$VCT/?.)ZS@<:7;2`\KA70>_Q8-.#7W7
MKW)!2@E<YN(=TW%F"WO1;H9Y[0=%1MCPRF84SF&M(0K*EI!B-!B4&<WWV\'R
MON$V(`CV^NMFF#=AO(UPXC47A*PNV7XDNW/()H1QSE"E`L@?ZV.A:C"\>4>U
MX:1UP><P"E]V+S<!GK`HNPW^N2-OF-['[P/(EPPV%`Y-59_8X=\_B'+("_'5
M@7*6_G!WKKVY?O*,Z3P[DZ:N$7$H;X_R#E#1`[J/T?L`%9T8A9&P1VPYC%@\
M7];UM#?#19ZQH3Q6=A*]`C:O.6SPEK)Z"R:+T4.0Y\`;AHZX!VHY=I@\3=8%
MM#>55)ZQ`3U$=BI;O#]&8Z3PK";/5?O'<[A^SD=+\Z.I[8_\0@P50HX[(K+C
MZ=O="7+;@3C.KLGJVYL]II3'`7Q!(4*;W<)JJU7<WJ"=%8A,4=E=<7=Y*$S*
M'Y^>$B997$@!,;`WO4@ICT,YED+4ECYFV)+VG-`."'#_68(1G,ZAL*C@_/.4
MP,CDDPJLO;W)JDIY'-!3%2*XQ6GE-Y7#Q1KE'=C3BD]PN;#LY]>NO2F":ID<
MTHGEHK3/BV4.&'"^FYC$7\,4KW51<I0\SKV*-M?9<Y!`V.+<F8WG5!AG!]91
MT9.*_23(P5&0QP)Q+,V)&$W@6JAK;W4/06X8,+0$#$6T+,9&S.WDI\PKFZ"?
MH&3MSX>E;?G0\-G_3AS6XF'.B3O1]H[/WE!R\MU#=?T)E+U/B]2DV8C60YW2
MJUL+9VFO`/.R82`]E),D+_].\.63YJ76\E:/=@%M?*.G91IG,(TN3*.]$5A>
M-G2Z)YRTR$HF[/7+-5[H>\MO;RA)R>RF>D\RZY]6TPBW!Q=00,KBW`!>-HQ(
M)ALMY3F22LG48]1U2V:S46^>QOQ2()0ULCABR,N&2:/.1I*D@'+M3[1H5+NV
M8(WJEZ&'\B'G.90B&,-]6(LS3=0P9T)52U%8VZ<558'/$.WA#/G1!M%.\B1)
M/NC0<M^K[V%Z/IW,];U;60XCAX(.:NNB7GY6:1PH4[G(=[[V!J!Y6#`AM@QT
M>/#,Q^_D*T[%35L6+X].YDT9%@KE3X57T4GQD0P>VCW`]0+J&5D<Y.%CPI@<
M]E%22.*'^,4/(]Z7?-?/P6:W#:X?5^MUO(NR]$N<!2G4OXTV3>?4Y'_.IXNE
MQE?7Q8B2DW%E,['W=K!8IZ5-'.=W?J$ZDL7I"OH8-H$SY51[18\D0;;H\PS1
M7L_R]PV("],8O?F==LX)9-+G39&)6R]`=Q,DV'MZ(0%:S,J7.'JM_>(AS1)_
MG=&2/0Y?"3?AP>1@JIK/O<I$PAV7UW4=>G([G^:;/'OCI5IYUHE9G833`DBH
M[/B@;'.M;PK>_=ZQ*YCW/PQRV:JFG#YRC^ND*!*&&0@#>/@67[C4RK.!4S*=
M]'MY<V)1"42C.'KW6OTJWF5IAG]/?B[?/L$6.GLF685IN`FB+/2WM"DIKK![
M"9+J?HM`^3X%\LY1X^^T@=U2+5"!E,Q!2F#'9'%=!*T\LR-;0=U!#0R`;:XN
MF^U7/GX]L,W17N\BE8XQB?2L,:T\\XM<)6!1G8V:RA*JV?[V#2^/5D[FZCO:
MON;5`KJP@+`G6MB?'2+!F8D]JCAY7K7?A,9[:;R_)'&*]Z1%-[J0HB5P:@M2
M&N.K[`NV@`6#4L(+^Y,!)#@S&(45I]*[/O83BWI;U"4DF8*<Y?)*>X3[;+I"
MF@?LI^Y<&UK8:)##C"B?=>"P]5$M'TW\F,^@%.K"_HP%:?X,@DB65@]W\*ZV
M*1-+=>"4*BU>F87H:730>%=L`BL&4?>%_4D/TOR9<-9DB?3V.F@)$XAE#;'(
MUQ)N$6FQ0@P$2"8-B7"XES/$LW(C6#DHS[FP/\5"CCF#ED>*4$_:Y/!(D9[D
M.IMPTIQ;Q[-"#JP0%*]>V)\$(L><D=PZ&0KK`%%H74@9PS4]-_P8)[\$49#X
MV]LP_:,0I[D[;[H;U7*FW=V;G/1S4UH>2G>WK-(9(=W7R5UA>U,WY)@R%3`2
M)="K&M(LTB=HBA+<5K.0,T9N;)#RAM@+ZX1/8<)SS6)YPH,P4\:B)Z(4=LDY
M9_B#56C8<H5L$.^C<@@]#>G4PF9L:6\B`#\C.MT2;FKJ$DO*%.3?HUMQS<Q1
MO?G<&8U=?3$\#DKD("#'<MV=Y^BI5$,S2$9V8..UM#>TKI9)$^Z]$DI[JXT_
M'E8;-P`XQ_GS(:[B61IR<,_5@:3%$ZBZH(9)=LB]!G@6-I>10#T1I21[15DL
M/T-!M*&EDBEI)B`V^A-";*0,8ODF$JZ2GT#="#5,\D+L+O.3S##(#HFN@^PA
M>`JCB.9Y:H<:_B+^&B0_J/CI"]D+4&0,>1U3(`C`HL=JN>%>C0-)@$O[0_MJ
MF348;5%*N)=_$FIT)X^E;^A]G`4`E-W7'2\MO#[H0(+]TO[L`+7,6K;/ZZ>8
M?[]WAHI>M4'U'UA*R,N6U%>;+VS`:DF2,;!V38(@6LLN*WF8@SQ`ZN_2_FP$
MQ=Q:AE<&DD4`>U&^X:K/O#:(JYXRKJ<&VOU"KVJ$P@6A@/SCI?VY$8JY94"M
M;*%8/91[PDCD*FRE)PW/JMI=S7EX/,6C1N<3=SJ:V>^A"G)E,O-.B$(OMU*O
M>T6[A&LJ5R4Y>)YDA8HL+HF.:Z]-PTN7')Q4SD=SA1K>?DL9F,+^?PRY"$M[
M,YVT\FS"]]1!^%ZI&FYO5*Q8#0?U#4\A!/2)A/+E`G+R/YY9<03$0*PQWU5L
MX@2>,V<9:#I;CJ>P]QE!:M[2WDPQ8_SK3L<QP83(!K;I09)@0[\4?9!$%S"&
MCNJ<K$99F-`HL"$;45OFCNS.U#/"OX%=@BE>O+O78!T^AFM2F2=(O@;(+_,%
MI77#1;S=!NLL_!JT444D>6'TK+J?)N5(%YJ&#D`S]$?6>@(^Z&@":VUOUJ!J
M-@<P^**TMMCU>G?Z3#>/7)JRT);#D\7>LLH"1!5'4Y`%>S,,5;,YG/44)=G;
MPV.PA\=0'1[[C3C-0=!W&5:()N5X%)J&#CPR]$==([CK,YK!JMN;CJB:S0',
MI2BM+>;2S$Z71RY-F4O+X<EB+EEE80:R,`=9L#=)436;PYE+49*]/3QJ,Y?]
MN>I+0RBT*#U_64><5`YXKGM=6%7[([YJF&1'6Q9G_M9P7OXAN=X](8(>V53'
MP,+!8`Z2V/9,2WT!8J6T&L.IT+0)(KE_K%*N7'AV:;0`N7I3"8U2TV!9IJ,,
M+T(ID$:.H52`Q?V7CI&:-@,Z!BY-CY8@D&\J_5)J&C@\CB`Q=/E(AB&OJ#`A
M&U"J/1>%=S;^4T"N4&"9V5Q%7X,T(U1<14!1L"G*$-\&6T+K580G"W]T%:WC
M%]KP*0K_.]C0-)K[X'OV'H_P!WD5P>5XD$D_1:JRUPS.6%G*2/_HA=!-9V3+
MZ8RA`"XV<M8JD^$G1J<+,SAW^P_`P?"H&!]5!*`P0@4)M7?A<BI0008".E!%
M2)YXAP@MB!(C_O*C=DBRE?O[EQ)KF+%!E-@<I#G/Q;`W4V_XB3%P!CHXDYX.
M_66OLF(LV_@O;=4T98.H*Q<$%G)7''O3`(>?&'9U)5G&<D@N]WPO/]==2:&[
MPCW=%1:Z:UOJKB3776&ANT+074E)"&<]S<Y;&U4=YKTWT?"_&\#6].1VKWJ2
M&%3CE24)OAMTC,0`N1PMG?D(Y`B2:QQ[LQ*-\&YP=Z:%@=YK3:A6`7W_-5_R
M&W6[*R6RS[N!>BN8[]H&*1$;!\0&\G@<>U,=C?!N?C.CA8_#1X"_[#\"7'_<
M+:\>I_)N,K^0<V\XW@JZ.[<-2D1C#*(!"4".O9F31G@?P/G7PLB>:7\L37M2
MF?;7?040U4<1=MYODO#%3W[<!4]D:M+KQ[V'CAMDO"G'I!?;/*.H`K,D9PW@
MY>FQVLCE/APD$3GV)E+J8=:@QZV&XCT<YEVBHD_R._IB=]FM0I]:3&!YG>C3
M@6*7FRRVUKE/!4DZCKTYEGJ8->\(JR'<N]N]4!0R`=(L^KB]W-.!7Z<?*[:R
MN<\#N2N.O7F/>I@=P%-50_F>27S-$9C6$)@]!Y`&_5IT+?`X4U-BU'74X&NG
M!Q([6TYFVA*?92B3PZ_:.:F_$27<*[VM"=(Q'X%TV)M8J(E;G0ZM'I*]KDI7
MY)FJAG/D5-JO52*^6N[UG3BDCR[YR4O,!"0&\KP<>]/[-'%KP#'60[EW&V^W
M&-/?_&13V.%]L%/?.(?ZPX_:MC5W">2+6E!&_F/G;[&0D(N(%!&'U)."#DV)
MO_KJ6K"0I?R.@.AD]%P'8.JV<M\6("60Z>38F^>FD6.=1EH?V8UWA@I[G?>*
MJFZE3;2\!!LK4W,*<&9]*(A32I8@)9`(-+8W#TPCQP8,M#[JO8,#8SC-HMGN
MV")?^%GP%/,_*E1DF3&X#LYHN6AZGUX-6MD)D<.G%,-U1+)W5*UI[GA!,'YL
M;Q*54AX-HDX%O7NG5`?9VP1H6S\U@#$M#J[-&&MT8D76<PKK";EN8WN3EI3R
M:,)154&H5P)*SVG1C9]F'W8!B^!-G;&^%\Z9Z9`#F@R[>X^)L/93KFR>4CJ'
MO).QO<E#*EDT@3(%='JD#X0[L0=D>E[IL19DS2_V\*\LA+#GD%0RMC?G1R6+
M!MU%!>1ZU!\,FC)ZL+.X>B+8$]V;7<0OKTGP'$1I^#6`^SY?XJPF;RZF19L)
MZQM=#E3\O!5ABMZ6X\68^O23)82NQO8FZ`CSHSMZ*$*4M]>HN-3Z$XD:_(Q(
M:VQX1$T.L[AHJ2AD"11<;BC,'&<Q&L$Z0;1G;&^VC`1'['`0+,8C3INWNKCX
M[?-OGU;WEQ_0]?VOE[?HXOKSS>WEKY=?[J[^?HD^7=_=\?I?219A/B[\US#S
MMPUTK1[2+/'7V?ED.6VZ%JG*_V*E0]8!$^>W@`I''W099[",$%,9VYV=(LV;
M;FLB2V`OAJZ^X']?8EN#L?0S^KWHC=/(?`@>PRC8O`\B_$-V@UGYN,MV2;!Z
MP3Y=^-\TBX[FPL7)79!\#=?!19QF<*Q_OG!F^@R0#&5RV%,[)P2-4CV.%Z/%
M-'>^[<TO4<FB=M.FD%CO,LW"%UH?@*X'2J$!6N,6*'OV,_0MW&[10X!\Z)V4
MI<2RAOSU>O>R@](",7E)%3>I.Y-YE8&?2'W<GSD3R%[B792E>&]'=FKA8QAL
M/N(A5]6(].G6!J5$/-?SR=R=-SW=T)*A+3>:9%J8:D[+S#"YCK%.7\)N8>KD
MAU3V9I-HXU=[PJ<&HKV\4U3O%9%N4:U?1#M&C=L_TO<P>&6\4O$6`+M_Q4*5
M,$Q!&.#^S,3>A!%M_+(C5ORBA2[B3QFY;%<1WP)PCW.PY46!/H.%10&\LHF]
M22;:^#400=!%>_XR1%+V"1684YJ$3=*R7P.\A)SU`8\]_'W?_DN0W2<^IH_\
M<Y6F07;]L`V?Z%_Q'FXT-[BO9:=,];Y69DX*^$KU2O=2X'I-[(VGJV;3R-&M
M0H*]ZD-$(G^<5Q^4R)V6T]P3Q^+1IE6JU^ED"G&MB;T)9&J9U+T]54:IE_>$
M\JX0Z>L,P:$5JG=*8O(UM%;]H9_H`)P'26P'9;_X843M^\*9C0<^$"YH,7$$
MW,YW.R`[^W&6[G*1K[K=$7PYQ@8R@!PDUHYUHR"C;Y0-=9@K*(N&#*9U&&0P
MBIW]3*<C",)-[,T]DV7+O.%CIHW/U)$N\G2;`>*>`T+,VKBG(/Q:>L62`5DE
M$[MS>-0Q:0<T&2CE`RKM$.4](M(E^@DZY01NH32NHSN?E.FIRL>3IV7G4[HQ
MFFEQ0#N&E@,>)T\%LKJ:D0W\+/=F[,[DX>""`1M+P$84/!%7[%[<>V0GR\/;
M.)0$_I9Z@T^X'2T-XW_UPRV]=$#.,5/<"4J#]0[//7=2=-N9ZJH8XB,&*Q[@
MKNQ_M?FO'5"+B;M^O/>_W]!#5-P.4YH&'P+X;Y5$MA@U1?S5`$<__7+X&V)^
M"Q`;&-L9+_)8V1AN?$[L32,:<DITF]Z!^/(Z`I[@.I^ADH1W6%F]H\JJH@)5
M9)PAHNS(&9/_73CGL'<>,`UIWSP0]R*.5EF6A`^[C-Y<B6_\A+X9.W6&5&9R
MU&O69,JGEEF/R8X\<9U<I.U.I#([$8/K+)7<Z-)49R@G`=5I0%F,@`I+U9>6
M"Z3_4E^-22BZ1Z8!5:@*.[4[K<SP3!A*7#'+E9?KGLS_KD:W')_:"&Q!W(6^
M6K\:"=>C4K3,:)\V43&H,W:7#KCXD*`QM3O=S?A<#.42Z6*(Q2NZ(;\FATY1
MD=]Z$^,N@RQ,`OJR9?V0-CTSM:-3"3(M1[I_:K5U=*"L<U":^CD&T8;4SZG=
M:4;F)\-(5H1QMKS#4-`FCQL]Y"HIS((710?B1!O>'N015US03.7KBZO\F.WZ
ML7+VWA/_+\`<D@WI?&'<39(G7(^ZT3*A?>I&R:!._CS<U.ZT8F-S,)17I)H1
M%F_H<+R:NP/96F1(&I8C@Q*=5`U[AO42&9CX0_8II=GX7UI)UXR:4$M+=YD_
M03"U.[O,W"1P!_75^CW*&<JO,^5:1-D)D#"=A;2/3L>IL4]Q-$^B-HV16[TI
M%$*?VIT*;H#[DW->CEC0[[8,[Z_L@<1H\.JM:AKF,)7<<.3F0VZ_[$ZS-<'^
MP`$IA:QX-TG\-:3GPD1IY%=0L$>"@N^O>,S`I+[(3ZA7$=P0WS^>KI\Z8=:^
M!%F1?KGGL8_U/1,P+'-#ZB`-"Z-&6RD@;+2`*OQ3NU.@K9HGNWTMM<PJ\\KX
M(W!$(Y/(6^T&TU!'3^HT@-$8W;]4L\#"V**:B:.2;XY.,QE]F(D:-$0X",N#
M'J<)\E*$2S'^YDM]E[$'Y>T$]6+'L@RJ%FMTC2:0##T]S1SW(:;I3?JKS;PV
MNJL_`3D_T^*%VMW5GPB%Q5A5YMA)*N6WXZV^*:5LAZ]:T47<$8#@[#0S]P>9
MI[?KJ;9PK#SG7RL3.>+<-W:B>IHZL'DQ!E5_N>\Q@BH'L].\8F!XAMZD)WK$
MIFU.Z&EXGWL0?SN.YQO0MW:XFZ4_`;&)V6G>C3`]16_7R3QF5G$TGZGFE!;'
M<-@R6HUO@7>T+)[!G4S(*X>C9?Y"V\S>:P5R3.ET8J0H\VJ14E)?J\B!JS6V
MMJJ648/_)ZRJY3:!6O_X5%CI4S1S>NEM`@4`9O:F]ELQ-]JMM@U<>K]%!S4!
MR2Z'E'\.:'G`-%=?54W`OW&^/%15G,:T5J-5^K!0LY^#EX<@.9_.]=VCYB5&
M3K-(LUX^/<3;$5EJ)W^J%=Z=FMF=G*^(0R..MAI:Z3EL#7R_E.#[5(*OZK%>
M/.IWZ):S]H&H,&KQK4\#A\>/;7*O_-*%98=KYC.[T]95L*?[<%$!C5[]E;T#
M%-805_?CI2'7M3DO`S4S=T'W?LY(,^98J%$&.4'6&S#'UA-1MOF2YUZ.W5G5
M:AADQQT\4W>7^4DF;?_$"?;>!T]A%(71$WKOXV'6G.="P@+F_'FQY2C!UH+N
M((I`B]U9L6H8Y,76921X^5L)N1X>7@^LR-B?PBBX(I5PZ$NI39>UV]Z$9>Y9
M(SKZ.&`"QGXG=`W@<>[\T8F9W4F1TKP9=/&$"-SS[YJBP*0/]#OI!=%N5+IU
M+1+&^N*YQ2!I>,F<<Z&@XGO^AM+<[B0U:=[842+Y0KDDH8.CY9Z<<%(Q:WJL
M2A0HM%?-(&FCG!D?T`%=%JBF.8+[)'.[\YBD^!K<>G00QX@%VH-F&*@R&`/@
M0,!0U-8$ZC*.()]@;G=^B11?UAB(#B)U`N(EWD59+3,EV-!<%+8M$)6VIIAU
M&TZD1I/$CVI.2UC)=4SC@3-8<4@/G]N;+:*-7S,A(PV4>WFG**GURO;*+PGO
MJDI&S1/*OH=84MW9$-7;*@ITY7AV\=B?CEEK[8QG;GY>`Y5"Y_;F8,@QI=O-
M$Z:LJY9&T1C]3IHK*BY?=/HA?O'#Z'R@$H=U&O3"I(U/5J#D[9WQ?.K"VD'D
M;FYW!H,,6T.#I8,V-KA`!\H`4Y19.$Q;)L[08C9E/R80&$+?/0%VGEA2_-MZ
MH[[""%81DDWF=F<=J&-R.!AQ4MH-*KRC@MZ.[B<I?'Z@5Q@9#R!."V''1Q/"
M:PIG1PZ$W>9VIQBH8]+4H84RBKW[YP#Y=*=$TEB;=D/Y%96?MC35)Z_@DQQU
M;Q![;&<:IP4]KOMKG4N<'U)!*LG<[@0$=4P:.:=01FYNX42`QH>S_-X:O9JV
M_S90D<LY<O05#^@;70YO_+P5V.IMZ4SFLR6H2HB;S^U.6A!C2+=#*$255UPG
MSV^+YPW+2^1BN:;,LJ+E7H4E.#BR,;TM:=0#[L0X$!)W[<Y+$.3(B/40H\T[
M!$"!#YIM(`@'EO2YGA>8:<:D^?<!!GN\6GQJ"-ID>Z6BD:M*B,>[]B9!Z&&6
M':/"%?VU$$YO,JUW"?D"00:LHJB3:*:S[CM+]N9X-Y8-X.RLN-ON+""STH%T
M`-?>7`SUC.KT')53VYNE<5`J7D<]3"[+8;R0V^D8U48`2_9>2,YL#,F?#N00
MN/9F>^AGW`3`M5'/\AY$!?(SE`^"ZJ.@+$8P#I\2N%L_!YL=*8?2D-1RO<-<
ML26<W0??L_>XPS_.)_/EA".FIYP`.>2;F(]B.ZMAK!$>R^ZC'WU,ZSX>TD:Y
M5_2,KA]1D096[QSAWNG?V-,W$1D%T6$X]]H:$<`6"/GS:(2C`RX](F9Y'55]
M3!LY)M-&?J46XA:U$.^H4W#IKY^I)HBC`.*B+(K"&JW`F)KPYU$+QVD-FF3,
M[K-Q?4R;2GO0QH&'?XU;)6@3INMMG.X2JB3\IA3R7$FP))%S)D54[%T\8_:#
M]"HBJJC41#WL5;NG8R#,%R(["*5DJ%(/NN?F6$<H'G&T7%A<=]0$Z^9V%EKH
MW]M?Y".@J^C0;V#88-23&M7M,S0AA'>W\6?2'AT[#PTB:'>JOV[6#>]"M#"Q
MMQ<I5$AXI$(T;STT@8%[`_)GTA1=FQ$-HF;W!3K=K)O?F&CA8V][4NY.UI7:
M"(C:6-?51M_V9"_9E'.?@GDA^Z(P>KJ)M^&:%%PN2GF3L*O&#(.68:63"5C9
M.4@;:&E65K^'VIK.,L\%L3<76XHG0\D`W(1Y=[]]_KRZ_4]T_1'=7?WRY>KC
MU<7JRSU:75Q<__;E_NK++^CF^M/5Q=7E'?J]Z([7Z0Z?(IJ;'67')%8X=EQG
MK`\8;$1(VD511NN08>ND6M$%K&B>R6%O'$X9?R:@)$ND]]Y/PS1W3?/F>D&C
M)<G41M`L5(!F">L%V1`+>X^DE?%G(#%4%:T<)HD/4MB=?`GA^9Q5M+F(*6%!
M1,CZ4!YIEVZ-,W*7VJP1%RER^)+DNHXRKJZ*!9Z.J7(<C\'G6-I[JJN:31.&
M2A&MWL7UY\]7]Y\OO]S?H=67#^CBFB(-_QM]NEJ]O_IT=2_C`C*162E[K.OU
M/1S!1XL!\'7PS8V^(_TZ'2]AK<$W6=I[UJ&<3VOPQT"L5^N(ON"RUQ6J^D*_
M"P<_!(51BV=Y`B!L=#0%UYL^\8?7&YR<I;VQ">5\&G0\5=',:`SYP/<A>`R2
M)-C<^]]7:1IDZ:?0?PBW]#FF+T%V[BX=?36]>@:7@Q<W9\69?E_#Z<CRIR'8
M&-`=R&>BPBN^(MG\"+ZC"?YZI%B+S;!"BA>'4LQ(':EBLEC:G13+RXH!W2Y`
M%KU+NBG$G;P:[9.ON<,WR:[^)!B$GVZ#=1!^A6+'[J0I7TQ9&*=[>.EH#B]W
M!U&=[N;E/<,)J:4T<A>TJ,MB9&^)*Q6L&8KQB-+GY6WK#]3EN555<UTHT6(0
MK$%)XU:!8ZG&=*F6(U@J>YT>%:P9W!!(D%F")8RR``^7%<D`B3A4A&[CZP*.
M_74(VD`E=N%]"@OLP`+;'R95QZA9P*DA>J\<0=O-@3,4<;MUFTT(2WOCAU@Q
M7/BO8>9OR<E!'-UEY/@'DZ,Q/:=W?$FL"?"W!Z_>]N6:D3@163-:A&GAV!]#
ME>+-B&\G0:!7-4:D-4EXR]N?(>@!T2ZTX46/H;('+\WFB'W)%B-8L@DLF;TG
M`4IX,VET).CT\H]1NDM>MSO>VE+T%.)\/IJY^BP&'4-2REOHW)-D^DTY4[2(
M/YZI*<S4"=1MZJ/?B`;O(<*##Z2D;'DB4K9DD;(%3-`,)LC^U)!>^MFE+(NQ
MWI'0>CV4>/?7]ZM/:'5W=WG/&:J"KLN4H/E87V!J?R@5\M=*]K$8'J;%.*/<
M/,QA$NU/E6#FPYSRZR<F5X+"N43-ZZS'_=0NGLU>9<M,PHGNTH69M#^)@)D/
MD]XB(TV>D.;\ZH=;<C;X,4[N_&UP%ZQW"8U/G<^=Q5B?&FT=5U)F.?C9$^#6
M=N6$._F1SP(FW-[WA:1X,J)W!0CSRD;O'N/D78J;H:J=<J'7HYR'$_IFK<VP
M#G-8!XC).2<0#A7AR:0V%Z"ODGV$91\1V><3^/=^],?UMRC8?`H?@ZLHW24^
MGFYLT35J^.8QY02=E8^ZD#>WJ>)HY(79T6($<33'_D@F-S\F-#HO41YI@&@+
M1)J@LHU2P=:BQ0<0[$;MW3?G<YASB%`Y]L</N?DQJ+5Y:0/YCJE\;XE\AV+R
M?>&GSR0S&/_G\I^[\"O6_"17.+OPD^1'&#W]W=_NL)@LIOI>>V(B03+=78S+
MO2QWEBZJO=,"U@N"46/[(X&R[)FP`9(T>J0A7"0A/]2Z.$-^AHI>$.U&)XJT
M'%=;AZ+&PVZ^)70<6$*(38WMCP_*LF?LJ%R24.^>#(_6!:#H#T'5D1!Z/NR"
MCUC6B&'#V\J%H_&FU?&`2I#1S4$##NH-*L4UAMF&N,78_C@C'S,&G2HNPBKS
ML-GA;3!N@#;!:YR&6!!^$/<J"[.=P%.:7;*ATY\R(]U=OE+SO$]@WB$`/+8_
MOLG'C$$_B(VB2JP_%&)-6_#?D\TS1\#*N\Y$7XK3X6B2XMM+^^%MUOK757Y9
M?L0`X9"Q_9%0#DY,ZF1FJKP\1R\EWYZA5S]!7TD+]+^-SD<.>1(/I<]^$OP;
MFHS.1B/Z__";%/F[[!FOR'\'F[^A\?QL.AKCO[K%7\,T)7GL!!3.XLQ=3,^<
MQ:+X8[S+T@S_B6P%\.@?@C5]*1--G#-$Y/7?2(>3Y>)L-ATU=;@\<^;3,W?L
M,'8X5H1$;84A#""QM;A#LZ3DAR$0/A_;'_3EX,2(_6`FQZNGR9[!SO@,75%I
MY[TE^Y#1#0?-+?P4^&EP_;`-G_+7SMWY5%^^8/?8<B+-RU==P+O;EJLRSQ4C
M1"K']H>%A?DR(?RBQ'FD87YZ!/FQM"VJ-=:"""V'118@HO%XB'5Q<CT%\<NQ
M_3%C8;Z,'0B)4IB?!#W$21)_PR[0XR[:<`.![K+3\\5DHB]:7(PB*]QMM.Z+
M,7Q53ML,I@U>9U],[`\','!@1EGWD>$5GTC*G"8UJT7F6E3GX52Y,%5P:#NQ
M__"<@0.#ZK"/EESQ;83$[V.`5\+?_DHO?_H1.9!9;;Z2Z&WZ*8Z>[H/DY=P9
MC>;ZCL`9*)"36C$6ZQ+-T$-EE^`T%][RQ3BQ7MCEF#-X7B-%J%=\"@>/>5_H
M5WB\R(_H4:0RZ-P]QTE6"):K+V&!A01MX.EBDA$]91>5=H-8N0,;_XG]9YN2
MW)GP7>1(])JQ<H:*/LX0[>5=AKO1B2#3UF<0!/':GX8%7,("PNGUQ/XS24GN
M[+!`#)1Z%4SR76H8/<F[:W`1'@N0H^_<LFU8Y<AH8Z8'#?L7R2?YS,.)V<3^
M8TH!C@:R&SUDM=@*D>(6_<)ARAX8D716O;^_`-,1+``<@DWL/WX4X&A8_=Y#
M79O`I\("?QND0?(UV!.1F;[#R)91E8@[`RL-TG[8JII\R/T;P\V*B?W75_@9
M,JC5V:DJ93QO(JO2V\5"IT8W+.%=^KQ]ZN'48@QW*R;VWV/A9\B\-F<GKEG0
M151Y&.%-`?;NJV*6J^TV_D9V"A_CY"()-F%&:NT%*9:8,3SJHT?XV2F1!(04
MRWL@8>^I6,KY#&+D8PC&3.V/:JEATB285!#LE4WHY=XM<9>VM`T?OGZ)X\VW
M<+LE#V)I#-06P\@AHX/8NM@7GU6;*\B?A6>@%E/[HV8,')CP;_K)\(I/9*5.
MB\K6)76-RO9XLJ8P69"U/;7_R@<#!P;59#\U@L+W:[#=W,>?_8Q44/A1JWKA
MC!8+?4\AM@TK)YP<S-2%M:U9=3L,0N/P6-!B:G_L58`C$RJ4GRR/-'F7Q>]>
M\D;"!6OZ9<-]2X+NB@DZ!.G&$*2;VA\E%>"((\,F2&1T-C]M5-I1%J-2VG]Z
M],/R4HCCGKF+!;G)?71E@Z;M_F_.]&P\GS=],/Z9#RU7^0,([P,_P<YYGBQ4
M>WH'RYBKL?)-[_AR^!%AKPZDWO95M"ZWTQ"MF]H?-95AS80-D:#/*]J^>X#&
M*&^-:LVUX42+4V\/3AJW`1R+E>_I(>0WM3^V*L.:P8V#!)DE7%`!%[%4T&82
MTJL([EEC"5KJRV3K'EP'.CH8ZX=&T;BZ[9PK,8@,3NV/Q`KS-9SQZ">NU7*D
MY,D-VIAZ8/3]&Y2?:?I;4I)-L*8"JVP9M"IF0<-A3X[7#U39!$*-4_LCNL)\
M#6Y)^FE494;^KUV$5^YN]X#7$@,L"S9?XHQX(./11!\46D:5PP`[*W7A;VE5
MY::#UII`6&1F?["*GR&#XLY-G/?+SD]\+.O!!OT7;8S26NO\<5I:@;9\7G`3
M/`01WNKS;COV//`QO;.HR7]2MI7H)KDNYTW.Z1PR`B<0:YG9'[1B8\*$S\-$
MB2>\`VY<5RUW#?6*8N.5PZ:Y<R%7;P*1EYG]D2PV)CB.1>4N'C*1DS]D\^EJ
M]?[JT]7]U27GFPRU0<K'-R:CF1$]J>;E$"8.6F3UZ*&+63Z_$%>9V1_`XF/&
ML!KMIZBN3H6?O.F2`"V^KE$9;G1Q.R<9\D<G$"V9V1^;XF/&H&O+19BG1`='
M&YHC^1QO\9*EI"!K]H/8WHF^(I%]PZL3;4;FV@2]J7GU>"5$Q"<0Q)C9'S^2
MX,RT&N<C;T^GD\.^>N/_@:"Y+H3H=J@'14B?Z]VS4!!%GT#<8F9_Y$B"LR&<
M=$X:CSUWM/KR`=W=7U_\SU^O/WVXO+W#8/F/WZ[N_Y,3++$?$6)HY::T2A?^
M0,]5@@V\-(^E:C;6E\[#1H0D<$09W8,/4R?E,H[A-&L*I[8S^\-,TOP92P.2
MI=3[%*3IW]!O4>`GY"V4D'ZO%SMZ'#(+L=/LG'&N6![Q@&CAS/YHDS1_1APU
M22(]V@%UU*`+5/5QAHI>T)5"-/V2Q&E:O"^Q>HEW448D3>?I/#LE>G#%QC(+
MN!IZJA87;M1-X4;=S/[[BVJ8'!)F7)1V8XUV90!A>L[$K$98\R&:R)+"7:8I
M1#/G]L>.U3!I\M!-!<$`-#58^A)DM\%KG&3!IA*KY<*XK3JB0P^.6-AE0=%1
M/]5JP8G1%(*J\Q.(42M@<4@;Q4%GMX7"'2'H03NT]!SD60NMYJ,]_O6$4Z8I
MQ(?G)Q!S5\"BN<,^>6(]`J&MH'$BMY[RI[P_X]&>_">:F#$?ZRL\USJN`H0P
MLG.$B*9VU8Q#B'D*(>;Y"43P!5@R9DSXZ,J-![V*^A@G[\CC\6>H;*A<XO5M
M9`:1^/9-2O<R0"1Z"I'H^0G$^P58,KT!X2,O%_QG<BN5%%8A@L\G[9_]Y(\@
M(\:DNO]:I8),IOJ.QKI&EA-Y/I[J0M_5LKH5G)^N0.!Y;G_$7Y`K$\I>C#2O
M:E8K-R"<Q\4D+UIT_L`8:%3\;$N2'WQ`5'EN?TQ?D"N#ZE^,0N\J^AJDV4L0
M92@MV_V-#P!?XBCLOT@\F<Q'VJP!"PERB!!DL@X-EBZJ1+U<:T'`:VY_Q%Z2
M.Q/F0HY$K]9<784!/KG28D9L`T^C7>%;.]!S,TBRF-L?LI?DSJ"=D:.48.A=
MJ.;"*+V,O4K3(".R0U(#=%F7VDAR..@FN2[NM2^KPK.0`S&#N.S<_C`Y&Q,F
M-#\3)1Y<[X?/%,BB%F6M5Q8;56_CY,$SAC,(7;KV!Y39F#"H2)D(RD72%Q7)
M/?LZ'8WUO;-^.)P"X>PF_DA"&R_"0J!P!H%"U_Z8+0<GQO0F$SFYI`K[P>TK
MKD^-&A#7=H7:.*L0=YM!W,VU/P[*P8EIU<I$52ZU6RFI+=_PJ@Y3J`0L'+W:
MMFE<!7+,R,Z10#>UJ\K&Y)8-@FZN_?%-$9:,:60^NG(AKSTC5VNF7-[UJ>M!
MY+U=@7<O0FX?(=;FVA_=%&')M$KG(Z_^;F)8-2`5W5[B*/B!7NB1.7K<11M.
M&-PD^?T">G/N[Z1\+Y:8^4)?0DO#B'*BS\9"7>@;6E0%/O*#'HBQN?8'-?F8
M,:'8N2CRRJ_AFO(9H@W.T%6:[H*-0FG6HL[-2G.C"N^<;KBC-X,PF6M_>)*/
M&8-JFXNPFE"G(-11C%[]O#[ZOZ'_S3D;C4;H%?LRZ;.?!-AM_^<NW/AD^O&Z
MD+8!GM!_0V/R'?V6?I<B?Y=A6Q#^=[#Y-T0,28"^D?\9._6/0@H=FD,<[[(T
MPS^0PVG<=W,Y=E)VG1MHKWZXN?S^&D1I<+'#K$;9*MI\P7(`_\!"Z\ZU6I$>
M`J1AR,_@`2I[.JC.RG*="/$YU_X`J11OABR0,(%>WACEK?4!0Y=!L@88;>:*
M>6U`K\XAZ.;:'_R4XLVL,1.FL\3'8_Y69![SQ+N1=)>0I^UX$1-C.YC]N,'4
M$AI(V8Y7LK_Y$F!1FHT=?6=/74/+HH2+J7U\M#>M$F"A+.8<(GZN_0%40:[,
M&`L1TKRBV1FB#:DC53:E-[5TX$"3S1@6!RUV@F%9)G`#8@YAQH7]P5M!KHS:
M!A$*B55X"=.\X%A0X2#BQ<%MD/EA%&PN_23"NY9TM5[O7G9;4IGZ0_`8KD,L
M.//13-_UWWX"Y#`AQ&`=&?T=5$6OX*+$'(*;"_NCQE*\F;`6,@1Z16-4M$8_
MU=JCO`/.%]!XY$F+^;`),(VFA&?-(%=V#G'5A?UQ:RG>#)H5&3HKW`1Y:SZ$
MW&5X&&*.KA_+%V]NR)X%+UYY%V3FN/IV&BP4R(%$C,<Z2EAZ*-9HM,S]80C-
M+NR/@DMR9\*TR)'H75Q_N;O^=/5A=7_Y`;U??5I]N;A$=[]>7M[?"=\(:RJ&
MZDY&^I[35%W;E8F!?12T5Q"%--LYQ&47]D?"N7@Q(^'L!'E-58O1*LN2\&$'
M5QZS&-WXY+1*G5!KJ7IB4J@;ZYATS3ODV,PA(+NP/][-Q0N[4$M6)N&A*B\\
M+%]H^'C0FJ5?Z@N^M8^K6J[;^>D6[Z/[HFZ^%X,0[<+^0+@03\/H\'["]G1Y
MH<K5^21'4J)EFSN@U#?N:ED6(M])07!S87]D68@G@[M8$?H\>45_GP1^NDM^
MU'."7-?15Y/D>$`Y&6=BH"[<QPVJ"8;T2!<BD@O[H\)<O)A0X3P$><7'>^EY
MZL2W>M'M5.6WXH!5@.'NA@NQQ(7]P5LN7A@$>`D"'`5/Y/A/7!OST%7),<W(
M0WZ&UG&:G2'W;.ZX9PMG663/M:;)N6?CR:3G2\X\NHOXY26.*/UX)WN=T".@
M#67EAF2)XV'.76>B[V"2@0`YY`AQ6`<20P?%JH]'))G+<?*3XZ7]X6`YYDS8
M"BD*/6A=F`[<`5X0!%V`(4$W]#X/[D4?<+3L!JP"3N/^@&OEIK!R<)J\M#].
M+,><P1V#%*$%?O(D\C*#7!@K=+QT52:18PF:ZKM)WS&P,FST<]2"B<.&U2K,
M8!7@)'II?PA8C"G#QH.=L@.C`0U1U5*]\.LV$.:%O\\@M*_&'%8##JN7]L=U
MQ9@:Q@"P$WB@^(\N_TAB`.[6$?=!WQ%2RZ"*9;^-DTZYAT;5[+LP^W!<O;0_
MKLO/T"#*OH^J1D4O=O&S3R[,:'@3$LZFV0^G?@%3#V?22_N#O/P,#:G1^XAK
MUN:A"CF_KNYW8A&9&_3E:R,KEOA.GCK%OM:R6HTE78W\1'MI?^17D*M!5#P3
M:2UZOM96`PC,:'RS(&#3_4UKXHQ@3>`X?&E_(%B0JR&M`!.%S:8@%H4">27C
M/O[L9Z3>^8^J7OI'/TSR,-5HZ>BK)]L[OAPJ1-BK8Z.W?96DE2LMN-"TM#^H
M+,.:"5,A09]'WR_*XG<O>>O:VQ9GB'0@$H3FD"4MML,>J#2:$?;U6CJP7G"M
M:6E_^%J&-8,&18),BAB2#ETB)JTAYI$@1B!NL%_RYE-5HN:FK%!#2A.Y^FX#
M,%`@AQHQ%MNK+S7V4*T;Q'=<&A]=CNP/3\LQ9\+,2%%X7'NLU@&J>A`-4G-)
MEX'R9$,#B*%\6<\*0JS(G<$*VA^FEF/.H/&1(O2XW%ES/;.JX)D,CK[$-W[A
MTF#)TE<(H&U8E8CI9*8=)E6S:E7&L"IS6!7[P]8"')FW*"QD'9N1+_1BFL@N
MI5\Z#-@)<Z+.8!&:5@#RS%P75L#^(+4`1X/I?A;JCA6^8&K2_M!'Z0S.U!WI
M+/_5-;A*T6=@K!T`;5D#SA*R!MP%+(O]<6MAOLSK?7;BCK6_9,82J^@8,`3#
M8(+!*+0O#R09N$M8'OLCW<)\#68@V&D\-A.2B4Q-A.3Y$=BE6.J+?K</K!X2
MK0SUP6$_#<%9PKGZ8@3+87_@6XBGH4Q#'V&M9D&^KGVSF+AO3>Y=,;G'"PY+
MX<!2V!_K%N*)7>ZS(%&M_/NH:U7\(CE/3034LR.PW^#H>X^[9W3U,.AFK0\+
MC0DY$"Y:C&%Y[(]MBS,VE#5@HJ[5)`AG0C'+C[&]@GEH,.\6&M<(SO(6$U@C
M^V/9XHP-O%]@(K+5;@@G2.U=$0=*R,W]D;[B2`TCRB&!C876V@/0HLI(R[42
M!$$=^V/0?,R8,`!<%!W5SX`&"J58BVXW*\6-.KQSFG/-`2%(Q_Y`,!\S!G4U
M%V$'130*]<PGS%?1FO02?`C@OU=1^1KBA^`A@Q<1B8F?N//9K*E&C)\F7ZG@
M.N-<;,EOF#N6$V09\HEXXX[[^LBKOY(^G-G4XCPA(5X8A%NV0(P(7=Z7@+QA
M`Q^3IS5C^M9L6CV]N8W]2+NL.Z<MZXZ4K$\LSB85XH5=D6_B]8[4?J8Y,UJ%
MG1#FW3\'E;#_M,F;_8PVNX0\%8A%GR3KA/$&Q8^``40QL,&]H?763]/P,21O
M#*;YB[2DE;_.PJ_P;+QNF,Q/&B5S3I#4NB#K9^\)CA`O.GUV$8*\H@$J6J"K
M"!X=1Z01(JU0V8Q/U+&5N?#3YYLD_AIN@LW['[^EP>8J*A&Z*C%T$4>X^QW^
MW36&(M4+V&6>C*?Z#COEB)-#D?*)*;`EV_%XG`?['7M#"<KYU(U)E<12SXWT
MAHKNT,,/]!/I$1NGGU'9*:IZ/4-5OZCJ>!@L:RDZ_Q:PO%2,92PT\UE^-&.W
M$57+*$>P4*P,OG*2*:;7!-.O-4P_EDBN7$TED"V->;]DSHR;7T;BM$!6?&)Z
M(,O<\7B\S#6]W7M#I7P.9'Z%B.TSOV6GALPOM\B:-+\GA656\\O:,57Q$.P;
MVWVHJ9;1(<VO&,F5^=T!C!M/>93`-:>!12K'^NX"R!&G!:[B$],#5^:.Q^,)
M.&1C>P-LROD<R/0*$=MG>LM.#9E>;I$U:7I/"LNLII>U8ZK>(1-M;._54/6,
M#FEZQ4ANWOG&)9)%S>\U"6>^]Z,_KK]%P>93^!A<1>DNP?MI_,,Z?@G.)_,%
M]@"8@RN]'<HA283>`BS];<>+T6("]QG']MX?%>)%MP'C)<BC#1!I@6@31-J@
MLA&"5MJDF3&B;H\X'\?0&:<<MN1C>R^]"?%B*H;.2YA'Q3@LQ3BD'Z$HSE"P
M38-ON+<`I:_!&B+E>`]%HNJ9_SV.XI<?]"ES_.NC@#MGZ)Q#KAC3J.P!PG'B
M%.,:P0W$L;TWHH5X,90XQ4N7=XDE&<LP?0_K@6CYF&KY[1X\."\V^#\(D-./
M<8*]JG40;-*/6((^D0RL5;3Y1(+RV%N>CF?Z"M@ST2!YR4&0S0(.;.VGL^5H
M1FI?C99N[F;:>QE4EBW=WH\$;5[1%N'&J&B-2'-$VR/<`8(>M,)%SYN+]N'E
MV'YPK-X,5B\_$K4[]4.&+4-618)$[U,</=52</%*A$]A1&@1ALEM\(H)?L:#
M7C_"0[Y$;#36S^\<6QDJF-AJ`$-#.[P4SG@,2Y$?.-J=,B'"CD%KP4I3924>
ML96H6I%$7&BG1>BUVX2!I+[3!K2MR036!.Z]C.W..Q!AQ[S.9R7-NZF)>[9W
MVTB)V/_#3_!V)*-.PD1CU8#NT;5(?@=K/:)?M9PL)R>S->CB8""]?D!&ERHO
M/M4DU4;5N6&Q9E;I9=.QLYS2?.'E9&+WZ2@G)\,J\A:JO/O5[0WZ!G]$2=E`
M3-2O'S^$)`P6;=+:DRM8&B8:+T)T#ZY&SID9.Y3RUH;."+S(B=W)55Q\F-+D
M+,14^APK\.MD@_>@V#DIVY',BNJA*S%IOX]7:^P>)<%M\+3;$KF"F]GGT^EX
MP1&<[>M/C0AS4'LHQ*U-)^YT?"(N=R\/IH2WCY!*<.]CE'^*JF_U"BQCV,D6
MB6WW+CIG>6)WBAPS#X8]BCYZ]O:#226Q$CO"?A%@S!BP16*/\P789O<TO(1>
M'DSE![`2Y-&$S'B7/6[C;W3G1X/['7(LG02P=Z)>#]C>Q-MP3>[C.[/16&.H
MM&]\22@(L%="@:&M,X:W'"9V9X+QLJ+=^^"CQRLCGH\TXKF?!%:TT2;XFDH@
MVB+X"W[!'T\GRR6DZ4WL3I7AYH5=](4+:(G0=0"!*G?L55KZ;X/7<B>[5]X"
M;V&7,YV5T1EH4(<"'C:;D-#1?C;*+U;8?D0HP(Y)4\!(TP$6?JJ:81?I9RBW
M`D%_TE8<&'?^-KA^I'D&Y)7,CW$"5^+(4(2BJ1EL=)&A#AZ<S#8AI*<+9Y8;
M=,OC1&(<F<0).UD'4"$-R38"<L;H8\EXE_$N+%OK!HMV5\HFL'0Z5IU=C-W%
M8@EILA/+\\<$61K`S>(@SP.`I/%V@R>?/%&682?KE3]OC&[OK^D2W6`"+[^_
M!E$:G#ON>-YT)*\&#\V#RDD_,R.%K+<U6,Q=NX_HNPG7K>8[1_?H7XE$_A:%
M&8+/$/D.Y1^JE4XMVGH(Z3S2Q"T-)N[4G=J=J]A#N2&]VDU%+J?K^(7\&M[R
M#40$=+5>)P%IOGK!/GWXW[0K$F]-U_$.^_NK:'.3!"_A[B6M='EZ/ILO-6:K
MBQ$E)^#*)J)>)EVLTZ+&]V2\@`R\W&K:"QMM_!J(>.FBG=X5]VM]D6U!M0]`
M:;#>)0)WQ24%58L_=(*`;7R<0U8&EB`#<`UU8J\7IHU?G<Z;+J*]LD/T4[W+
MGPE@RUZ1'VU0T>\9JO7,"=_-?^WRAO?Q;4"6,MP&6%?`_<U/<8I_SUBQ8O60
M9HF_SLYGY+4>7=C60+`D\DU,X9Y:T#!@)8]PR21_G7)J;^!_H-DPHE*,LN35
MAD-9C,H!$7$98$CT$QGT9_)GSAI2Z/>"@O]ECV;2LL_]<VFFQG>8]`HN7`#*
MGPZ=VIM$-]!L&#@)&(:S0P65E`HJ@G=XB(+"OX]8JV']C5,3[3MV^;.#Y,3X
M.K]=C/_P,0A2/`'GL^5BH<_YX:!$4G5(\;RG$SAZ*F5@`@41\@=1I_:6H5/,
MI1'O0@FIWNK@+*'HB,8:4:TK1/HZ(\Z$`=AI.@&T&W<MIWU"ZPP5%?)W5J?V
M9CDJYM+DR9X2BH_PMRGP1PI?H,>`]R"/F.M5M"'_(;>NO_I;8F]7V86?)#^P
M_?R[O]T%Y_/%%!+)'1TX8Z)!#F"B;-:1Q=1'L73."$YX%I#:-[4W?5(5>^Q&
M##+8+R,)-$D2ZUVL[GY%JR\?$/WA\C]^N_K[ZM/EE_L[M+I''RXO+C^_O[Q%
M$T<KF$9_#C"-Y,%$'G(G"P@)3U-[TR]5L<<+IKO,3S)3<#HBMQM._]?JRV^K
MV_]$2L!T0]D]?+`/"]M$7Y8F#R4ZD,7*<S^^FGLJW8UE?D@(48FIO0F<BKDT
ML?]20RI<'2-1(/I#K:<S!'VA\FW*GXKN?C8`/"UU^BT'WE(=\/+#+XC;3^W-
M!57,)3OP!(OOJZ77^W)YCZZ^7-Q>KNXN,;XNX:>?\>]0JPGD`U^Q,80CU7O_
M>YYS]3Z(@L<P.W<7V(O59>AZ!I>#&#=G=53U-"Z7;`H'5LL\S&5_LI(X8R:,
MEC!U7GDNF$<2<=LB>17]E#?GM$NL`J0ES&<%-!JC;\QK!&=)RSS`8G]>D#AC
M!F-BPD16""E"6?YWWL.[7_PP(E&WZP@N/=13S)S1?*HQ.[9C:#DL</)41T)'
MT^I$U8%U@!/5F?V)+F),&3S8%B*0YJ5B;VL;_C=&P$]/N(_T9[3%W03TE8#&
M%%7T#OE?_1!/T#:@93-2/*`<8@X+@X_F)#-/DWO5/;A:V/0RU@6<_<;5*L)N
M=`DW=&?VIV((\V7"MQ(ESB,-B\PL4DMN[[*G+_A``*O\F+$F0R"#S::TK1)L
M%9=0IGAF?^:",%\#6A96&JEQH2:%X`->!'@.MAM!FW%X/G`5D5SM'?'YL@"S
MDMT&ZR#\2JP2"<\[SD1C(24^8N20(\UX'4A\G55^,\0:EA!KF-F?F:",3Q,V
M2!6Q7L.A,WG/+.\-%=VAJC^!U"!1>=1CLTX!B<TV3735<R<>HN@S^S,:E/%I
MT.:IHMDK.D`_A5$-D7Z.R+!`9%+V)PO&#\%KG(9DF^Z,I_JN`K4/K!IC'0QU
MPZEH6"[/(G?B(8XWLS]_08BG82Q6/V%MUJEHJ5[PM1Q!#RGXC2?/+&N1^^80
M0IO9GU$@Q)/!\V81^NA^J+`"1/`WT`0]^%M27%`:`(5MNO%_U%P05U]&#@L)
MJD'!Q&0W/(Z[J`PX45K.:`01M)G]&0"2W`UC*WA(;+,:Y5XF[T3)1J9+N`P9
MDV$1Q&A@NA9P`@L($;:9_:%_2>X&-3H\E%9;D:;]QROT(`L@^B9U=<\P30/J
MODS'^NJOL1&A&D2,C';#J*F3<@%G(UA`N/0ULS]10)J_88P1'Y%MYHCV4K^#
M3_O1"R=3!VK#XXGU`*U[+1U82XA^S^W/.9#F;]`#,SY:/?KY&;E&+@N:FR1X
M]<--6980"Y'&VZE]XZL&2C]WW1#9;U^Y"PM8$#BYG)]B@(>9LT%AP4KEGKOV
M"HW0QP"OB;\MCLRJ9SET8<:0QS8,9!B]M+856\**0?1M?HIQ&&;.AO',6,EK
M\\GR]F+5>O%>JJF&RL<PPGAK+LZ#*=.7M<9/CQR,5/!?QQ5_?]5)*CCA#IP)
MS>T/VRCEU03V5!),C[D[ZI25G:JH4R8AI5K.\TX(I8U'?3*"`"Z]`P=.<_MC
M3$IY-7@,J))N[^/5E]67BZLOOZ#5Q?W5WZ_NKRXYK\JUD`/YYRTB.!OK>Q*<
MGQXM$.3BGP&"'?U5N^HY+"\D*<_MCUXIY75`0RE$<)^A+#O5:"A9I-2DH;01
MI3R&DDD07!`$2)2>VQ\A4\KK\(92B&[OZLO?+^_N-1C*KG*O6`0=TX926T%<
M%?PS0)"IRFF^:8'<M+G]L36EO`YH*(4([C.42BM?2TBI24-I(TIY#"63(.2[
M%<B@<^T/V"GE=7A#*42W=WUS>;N2-915*>MS<HEBIM,(5F-)(Z>3[`-45-\6
MDSE>3NEDCN$LS;7_9B\K&X8L#@LMWO&["JLL2\*'748OM&<QNO$3[L=96Q9?
METG0++-MFKQI@F%;.X8C)=?^*[>L;)C5ORPD%0GD^$,^X:2Y%1^"UR18A[1D
M\2K:U"L8XX4G%?]UZ=B^X>5$6("YNE3W-:\L7;X<D`KFVI\A(<&9"7TM3A[D
M"J%Z6UIPH=Y:%T"T*'1;`-*H]MG7"<Y,QI#3Y=J?$"'!F4'C($ZE=X20O2<H
MA=Z(O?%_T)I"'^.D5C#_^O$S[OC)?PKJ#WZ3<A'GSG3LZ+N%RDN.')(4,%]'
M%F]W5:F-7"-"*,&U/R%"(:<F3),Z<KVB*UKTI/XN2_R(BN[RFD&DPW?XLW?\
MM5'$!5-/4NRIP+(Y:59\^7,-#%$#U_X4"(6<,N!255*M.JJ]`T2^%(B4KE94
MH_$FB==!L$D_8H'-$WA_I7L]/WKO1W_0U]N)2"Z-F$D6:I3!49#U%C"R]%:N
M]1P2JL>0)>K:GPNACE'#)E*.VGT+^5/1&2+R]'.9\$XZA+?-2)>(]FD(D-HM
MI,6([+6/?&L/B=MCN./@VI_XH([18:RC'-'>'A91@CMX>2TL91(\[;9$"'^@
M5!R,Y*5V$G**-NE%_/(21X7\T=IFNK'7/+H:J+%SUH2LYM:P5(OITEF>CZ>3
MHK2.:W_Z@C!?`^"&ET8/O@(8H$W>%I&;)]*@N$GRZN24AE6T@5\$>%E*>7(T
MW@46($DY?$3FH`=3?5U6^=*YMP+1[87]&0AJF1T6?>*$>V73@5&I=3-W&J#L
MW-0)K7;NIX`"7MB?)*&669.;.R445QL\[#9>)YLP\K'36'9\ABJPTIYHH*+J
M76:O=Q^OUO_<A4FP*MXKR$^$[LK'##X$#QD15E=?^)N3&C58%6>]":>,O57I
MTZ"1)Y!UL[`_*40=HR;Q*4UMA<TL1GE?J.RL#$:@JK\S1'HT!$>]3JW=>.QV
M9KE7'K3R!'*)%O8GKZAC=``G5IIH[P:/]NS35W@>M;W"<T0NB9G<QY_]C(SQ
MHR*62.5<7ST09CH40Y&#W4X,MO53':W!C88)9#`M[,^,4<'B((:0G\Y&$TA#
M\5G\[B7OJ&8`M4/,D-&S!F.,AJY_9>$FP@32GQ:GDQ0CP^*0QHV?7#:S1J/N
M&(P%^"015\\&J![%(_(WT_B4%B,9BM'&SFLGUIJ[*=?5A1K-$TBC6)Q.FHLX
M@T/BC)=8#]+)7G.L;?#JH%<_R<)U^$I(TXPG,RZB%7!B<P_[U@\*-4\@9W!Q
M.HDJX@P.XAKR4MGH&!YD:E8F3!)4-,G[)HE?@R3[<8.9RE;1YA+_Z;64.'WO
MS7-2HQADW*QW@JV[MVJU(5%W`FE(B]-)19%G=!#PB5+;"$*X_E/T=H9H?V<T
M;E!V:0B/AIQ'*P')Z$RR+CWDYDX@_6AQ.CDM\HP.Z5R*$KV_E7M-@I>0_$PP
M&`ABL#M9[7V<)/&W,'I*SYW92&/].&8Z)&$GP>X>WEC[R==RZ2SSTV:(T"Y/
M(*E%`8M&K)X\G57.)>FD+?VYZDD[Q+3<=[478HTW8+G7%0L3K"MD)"U/($=%
M`8OL$).^$ZN`7(RT,"(G(EOT4'Y.'BKW-U_I:WR0]=R,0''8E:/>!J]%EDVT
M_Z)ZPX'#C!38,6'P1,A3!U)%D].&79'N*P\(!&@*N1/+$TAIT<>Y:6.JEOR#
M>PV5'JAZ)WH`CGJ(0PLC*#CU42;JVJWR*>N!7ALN)TX0U)I"KL;R!#)I]'$^
MD,57RT7-$5C'VVVPSDC()$+;.'IZEP7)"UP&%H=ZC<K'N^<XR>YQIWFRUW)&
MG]UT=>.YE09UH.5ALPV9K7V4UV]FD_.QNU@N<FU^`JDTDNRQ8PS+JBJ$"1"Z
M_[KU3YOZ0SPQ/;!-24>`J`<%&UB23X?Q7N0?7#^V)]L1VZ`S?TV,*G70DYN*
M-C!R]%JE?$"YQ2FD5RU/(`E'.<.FG6,E5!_XQ*09=7V+7LDA;V=>N&$<:W>`
M3P?'O>ZND(#,0$`@=6MY`BD^RAD>R+E50OP!G/-,NE!S.GD7%^UYH%B.-=Z]
M$J%)(Z`YIH$9SOUYF!!5GT)JR_($,HP4LSNX2>:GF<4@J\M2EQ-9\\;82N3R
M&^)^L8"P^Q1R.Y<GD*:DF%U;C#`_Z4(F6#+U_8"#/O]QH3&ED(,4M:#E9+H+
MJVR^%Z1?3R%E;7D">4MJN!S"IHJ1VF1*]6YGV630B-FT#7A,1I)MG2%A>TI2
MTA:CT6FE,4EP.:!)%*/X`'\$:4;WH5V%@+%8FMM\:JM_+,-P-P[[2^I"28GI
M`E;[M#*=A'D<QOCQ$]IB^A06'A<0/4-VSQZL,=J\_N6%;-'I$I;WM%*0A'D<
MU-[QT^O=%?9-83'Q([IHVOYMX&\OT\S/J*PM-5:<ZQM?-:;ZV>N&TD'[*OD#
MXEZS$:S6:27O\+(VC)%BIJ_%-L'E+M(!@AZT0<60'1H**HQ6IW6](*8T<V"]
M3BO1AI>U06T,,YD-&RF"&,BN20AB`MH#BK]%O-?\ZQD_?7<E%H[&0C7,A,@!
M28K?.J*8.ZHJ9$*L9S:#=;4_1T8%BPP(4W7'40&YM9S09"\I7/WE$`%!U.+C
MV8N[1I]/8)$A0C.;PB+;G]*B@D43/J`".KWZU8M'U=<>[XA1))U?/Y)GSC]N
MXV_5X_4S1V-F:-?(<CCBXZF.G*Z6Y0HY=%N+N:)!%,=^[T^0*Q/X$"/-N[C^
M<G?]Z>K#ZO[R`[J[Q__Y?/GE_@Y=?T07J[M?T<=/U_^X0[\7/?TO/DRLUNO=
M"WG!)=A0__,B?GE-@N<@2L.O0?48]9<`4WWO?R]%:^KJNWDO2),<D%1-!($8
M'D2\O]G2H?691Y,E'"8Y]GJ&ZAG5"43EU'JUWO(#B[W^$.EJ*&AJ.=8X16@N
ME$*3Z.?1=`3'5XZ]WJ-Z1@T<CB@G&EO/SS>WE[]>?KF[^OLENOJ"_WTI\"9\
M"Q'O@\<X"3`5-^0][3A:95D2/NPR$K6^CV_\!%O[DL#)8CG3^W2\`BKED*IO
MK@KL*AL!B\L(%/IT-`9QL3<AV@#GAM"MEPL/C/!ZSPB'=`#TTQ8/\?,9>J"C
MH,S__K>!%8$6Y_F-*H(C_UJM(.5V`X[8'7OSJPUPKML#UTN^U^2&7^4:X-.>
M!L##G*%\(%0?B61>PUC"OGL7D[?!>NNG:?@8KNF#XZO-?^T@_XW$@E;7%U=Y
M<L'U8Y565\[,N3-Q\X+Y6JH%Z*-<GT91/Z,L6D9VU"7)2@:YM3=;W.PD<$>'
M[L5J'1CERCOL#?EE=S01B#@F08I^>O+#*/V9AI>.4E_KJ;'8H=GN-L&&E%2(
MH-H"IGM@!54`::2MCHD.DBW32<V3J$T9%;(ZA_WRV-[<>5/LLSL_@E56##'B
MY2X/WN6@X/$Q6'.6*&N@KCAP.7>QQT7D<ZD#Y!T#RV&5BZ-ZG*RC81&UF8UG
MX(9"('-L?_:[&%,<Z(@S?RN>NB%$GG?1L.U7+_9:=NV#BGUC>)AI">:P!!-8
M`OL3T<68,A$<%J+L0.(/MKFD$%?\"-O<YNVM,G"4>W+'&>O+HF`@0!M8VCED
M!,UAI)\L(UU-2#8;VY^#+L?<P"#JI[`ST:(ABJ3\;.A#\!A&P>9]$.$?,O(&
M0UIY?RPG8^?.U'&FQD^6I>G6LPG3,9UUK&L;M]3WC@,B.@<1M3_Y:H@I,:%7
M!N"+Y1S[AOR:G!9%1?;)38PU4I"%"<TS0SEA]&&D%#L!)6T\9^#6*3<]]PW^
MO-JM^3Z#`9D?@\Q#@8"QO5EN0TX)]XFX^*9[`/:\0H7%#]OP"0['U\^80#CX
MWL#(6%F!'GO%8VM31PQPF=O@6UFB;;BG2U"YL(I6?AH$)0_&]N;EF9P"RWPC
M43YT^$)#.CZLT#&:*'CZFJ;QHK,&\<Q/X2"^.[8W:=#D%!C('C3(CFSTC"5O
MN4^D'6TA-DGJ](7,Q::&!>V,O5<G[7`XZ.3Q5'OS`?4S;BSFIXV%_J1@->C^
M+2*U%\+_#C:_QMM-&#W]XH<1H?XZJD+UJR1,\9\^X']&3S<!EJ5-/1%M.1X;
MM_S2=.O1"#JFDT572(];22(<ZCEYO,[>)+\AI\0"ST$C>U[5-WJ&SA%-\P/-
M$["D^_DP,MK0H=$K'=LZE67T6.3MJRRN8Q.%`@PG=`[<J)G8FQ`XY)0,>:RB
MD2^68Y::.LO'1X2`_.]$EU54H)P,!'0@(*0>>AI6B>5X<_1E=6F@V"[%U3R%
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M`IQP)""(7\GGHZE-P%\K`7\U(^",KHB-$K[OHO`N@KW.M0`G)IP2?K)XI)S3
M1[F*,%:#-%M%FX]!F>=#+A9$FT^!GP95#?/Q8J+O1C$['7+8D.&W0`=''TMW
M8F_*FA`ONAT<7H*\H@%-.,=-\CC$6?Z4(ODMM!,^2!&0&2UI8Q9CY*@Z+$<?
M1,DM[+8B`MP8.)\1HVP?,(]!0)_1H2\B<I[0](]][W\GR534U>`X,6?N6+><
MM]//+N=E'V3Z[=X/\#,SO#4XH*B2[M6>.<BMP:JR!GE#[2+/MO.U5^2/]K^<
M:V+OM1PQ9HSL@KG)\DR),^,^UUYY/M[M<DZVO3=:Q9@QM>?EIJR0:?2:WPZ-
M'U%XX+P4UT<*%X;^?DM[4[X3QN1<?@]>7C,J3(YB?P:Z-@"'5AZX\%#T0I;J
MU+>XQ^Q8X=?LT\3EV2!H:P`!"MV;P1`@YN+4EF=I;WJ^*#OVN#G[A!&C@`)3
MTJW2VQE,O`4]GKKZL??&G"@[5GD]^[351-R,ZT.""=?DA?)/X2,F,=TEY$EE
MH/5\/EXTN3IJCC2[1I9#"A]/]63DKI9%ONEX3C-&EHL\8\3>3:XD5SH=(3G2
M/!H"H^T0:8C*EKECI`$#6H[U!\9`XY5LMB690=94GG-M[RY`DBL#1_ER%`(4
M8@J%+8%"6+3DKBM-TN2R>/W'A_!KN`FB37H3))`W1YY#2(+-N>M,EMJPP$*!
M'";$>#PH+=W;0_6*M`MK!87V)O;Z48JX,X@5.4H]\O(WVA0-T29OH1$QNDJQ
MVX28MF+L'"NU@)6"`KQ3>W?6BK@SX6')D>@5=U)(^S-4]D!J_25P4P7_5@@_
M%348$D&"V]-!SI>CL;[+X"V#RJ&$F9,Z,%H:E99^F6LM*,`XM?]>-3]#)L2?
MFRJO+N-%&Y!_M?*MQ8D:1+X;7:7>B<]5#=3[F]I_-Y>?(8,.$3=Q7B7;*?FR
MY@Z1LR1_O29E6^'TZ?7HTW0=[WAKLU[Z211&3Z7Q>>^GX1K+T&*B3=LW#BF'
M!48NZDAH;%*:7'@"9;&`2GE3>V_$B+)C0LMSTN05W]>]&-I&I4AK>7_3N$B[
M`B(]A?F&]Z"G]N9WBK*C/4`F2)CW1?`AVL9QJM>VW*D^C[QS:`V"W<Y5KX`?
M/E\U&<$U_@5<XY_:F^$IR]9@.KR?M@9=#JI<..>?36RTN.^#@Z'1E6=<&2@%
ML(!2`%-[4^5DV3+HU@N2Z-'O.%/Z#\?Z$&YW6;`ACH!K3/OG@ZH5]59.NH0\
M;U0=C>6*!X*04_NCOOP,#:'E>ZEJTN]Y([7R;<1=-R+?3"[[T<3G2@0BBU/[
M([K\#`WFMO>2ILQQST>JVW5][V7U#*Y%R-LY8Q#V8\NYA(7(XQWVAVC%&1M0
MN?=3UZ'DE;GQ;0)DQ)$?!!I,SGS;&I&:G62-(&H^LS\6*\[8@`X],Y%>_B6O
M4__/7?A*,E@OO[\&41J<+^FID2Z#<#":I)CWTKXGUP=?EZ$/=PY3"1&^F?V!
M5`Y.C"AU9G*\\E.4?ZM(6/6H:#/"VJR$6^<4PM$+B-/-[(^*<G!B4LTR4U63
MV4!$9O/R/!^"US@-LS)M\R).7N.$7ANX28*7</=2RL72U5=*AY<:.9F7Y[V.
M"=[>RC5=0!AD">&]F?T15(6<FC``ZL@MBUGE?=7R]FN]H;P[,2,B+)1:C,R)
M`++12(FO.R2I+R$N.;,__JN04X-&3AW5)2XW.2[+2P2B1C$@=]Q([FB8DA>A
MTYS(.%FM:>I0>NZ,1H0.;8:PEP)9J(FPN`^OWAZJ:Q]P*KZ$J.?,_D"S''-F
MK)H$A1YI31/E:NW/4-D#*KK0B!M-]LHFW+28)8Z%@X/V)41&9_;'I.68,VI\
M)`CU[H+D:XBMR_K93YZ@"EUA>GQ%R/D8;G;KT$]^X%_?)[LT6ZVS\"M]3X8(
MF&O2]G30HAI-?&QWXZJCKW)M\P<@EA"OG=D?%E?%YC`V2HC6%FM5]D7_1'M#
M57=&\&?(AMF&/T:[QK38D-N\A%#RS/ZPO2HV![5U0B1[`#%2=I4/7+4WT?QM
M</U8O8SV)<BP5,VG^NZ8=HXM!QY>MNI@Z6Q;+0%$*)809Y[9']X79<N$,1*D
MS3M\^9,\K!X_UEX`/4.X`RV(T&)>AD=$H_E@7)X%%-.R/PK*S8]!@\!+&TWO
M*I_$?<*M4_33%G<0`";"Z&N09C0(E99=R2`BO7ZDA:9RL9GIRUAO'5<E$KK9
M:4=!K5VU*I![M(0(X/S4@,#&TF!88"*/P@%04!8P>PZV&_08)RCU>2L9,\B*
M`=?(I.@SN$1-"S&'I*(E)&S,[4\N$&')O"O$1%>3&Y02/X@V%7"!BG*":?H1
MB\Y%'&5AM`NCI^O7`((_Z?L`XRDO('7O?P_2SV%$U[A6EW"_%Y(+D?WX'&3/
M,?Y+89/PQM71>5YFD!,Y9`X[Y76L&Z2D*B%`17HY@FC^W/XT"SLFR80^LH+3
MXM7U7,<1V*"*%%31@AXH,0A&0#`$JHUQ5I2WII2>H<OO6>)C80LC<EAYE04O
M1&%B,<&]XYG;DNX+/DY`B2[_I40'F_+!E:@#J('4B[G]J3%V3!*[$LWBS-^*
M[V:L8->[N;V\7_W?Z.K+Q?7G2Q&-=I?Y6$OB4:K7VG0>$K<,JD)1,'!RC.FC
M1N5<.U!*>`29''/[$VGX&3+G<'!0Y5U<?[F[_G3U875_^0'=W>/_?+[\<G^'
MKC^BZYO+V]7]%?Y`XIG&'(YYJMO[(`H>0[QC=IR)ONLN+:.J$'L65H[E_JA5
MI6/&L""0@C&W/Q&&GR%S<L]!E5=YLD4Z,_HI;_6S8AG7]/#H$#+>>+;;._FY
MTH&\A[G]J2C\#!D\U^4FSKM)XJ\A"8_3<]S\A8J,N$C"K[4490V!F-P)BYZP
MB,P;'^%2_MAN"P&RXB_`X#X2^CHHEVF2;],A"V%N?WZ(%&]F;(`X@?L/\!;-
MRV>KRQ[T`4;3X8,]@&G9ZK.O6;X;@P2&N?TY(U*\&=Q8BU/IW9.QRR,^H3=>
M^L>O/6P^'M*V*'_(G9M?/N0<;_ZFL'Y0N\"UOW*$$A[M,#W]A.Z_)7E@@BH+
M)+$5YQ8\31L7:X'6LKOA7]L9K"T$F5W[4UF4\&AT#R1/KW?UY?[R]O+N7O`X
MMX6"*N5L]=4/M^2MY(]Q0K(*B"ODZ*O8*$"1)H!Q30$3U-I[+-=W/(?UA60F
MU_X<&K7,#FKE1"CNV7'5LY#+3M\]QLD[_CPT*4$U:P.MQ"J?6601!EKL9>E`
MBH)["ADK*IFUP5"*$.Z5GPHFA#)0\_['Q=9/T_`Q7-.P;MU'TYGI)DR8=ERR
MSP@G/-LZK@0`MB@.Q+_=4\B)T,&T)::5GW(.$_OP`^WWKGZ;R2'10]E<>S$N
M:H+[A0:V10XD!+BGD'>A@VF[3#(_`]Y5TTTESIJD#)3]&FPW]_%G/R/__D%<
MQ,F@.]I]>K3CM)=]3GCN]U<M[P*6%[(5W%-("E''JB7FEI5>#B-+NGR7Q>]>
M\DZ-H7,H>VH).D6-9YL(+$$$(,'"/85T%G6LVF4H6<GVR(<HBY$<](KJC%BR
M9CJS%_=&4P.;=M*;0'%8F'`*Z7,.!*L6IQ,Y[&?$I+GII:8R)D(E5EL76VMR
MB5XY[4P;.9I0R'US(,BS.)W`6S\CQA-">DDZS/Y0(;*UC:_6_/#&095*<#LG
M'8)\M-&;Y!H"PB:+TXEJL3,T@`+NI^I($4N?A[6)A5;?W*B`=[K9K3,/6F4,
M08;%Z82"V!D:P&5F)JY*@KC\OV\NO]P)9D'DX^651LG]3G>D\U9;XZA*I;N#
ME0[Q+EI5$PYG\F,XDU^<3@B%G:$!]'<_54?ZNZP!+7CGH54L3.AO0Q+.HL"/
MIQZ.HL=P%+TXG0`".T/#*?!^XCPE8IT_,_`KO1SM1^_]Z(]5M,E_>QND0?(U
MH+_<?"6/#Z2?XNCI/DA>B.P8R,F6I%(I;!1.50?,1$>I!`7.J<=P3KTXG1""
MO@D8P%"IYZ+!L!5OA)!1:-4J1+JDX8CB3_E0\(=BL#-$AGN'NWL96'F8L*%O
M1'FPV&AYJ8/S\S&<GR].)\*A;P*&\P'4,^,5GT(MJ&;]850EW#W'258(NJ.O
M,J0J,@=5"EV3I5`KE,-4@@0YW&.X-;LXG2O+&F?@!)P*!C:4>A5T//-N10,L
M;/0KK-4A.CR+!M&#I/(QW"%>G,XM;HTS<#J^!0,W7@5_]!`G2?R-/*LNI0G^
MKUV$!>-N]P"E)K-@\R%X"*)LEP3T]&ILS&'HHD0IGCE9[H!L5T]5;!?J88PA
M$6%Y<OD=@DP.8+S%*&VPS]`1JO>$JJX,X,V$<;4,;RPFDFV!H9+&&'(I3N#1
M#S5,#F?HQ`CV?MGYB8][PMCZ+\!;6L?;)G@,DH1>B`L+@&XD,0@ICL6I_C_"
M[/DC'BU:A_[V*DJS,-O1:J?4;QMKMWN,U*C!HCCK37AD[*TJ$)`?M4(.R/)T
M4FWD&35I!Z6IK6QAD6-?=(:^X=Y0V1VJ]V<(C%J-HMU@[#2.W*L.9Y832%19
MGDY:D#RC`QA)::(K3#X$?D*J%&VDPM)`4)'%](A_6=:P_!@G9*M*:G@3V9OH
M3S-B(T8EZ@08;P==7V>5^P.:=@))-,O3R562YM.\_1,G]M#\H9_ROGX^0S[I
M#NV7>Z5'MZ1+,TC4>M/`9B1VWE/@7?1<OT*6S_)T<JJD^61'HJ);#K(4TR?S
M#B$).%PGP2;,\((UPE%N?Y@33!^?<]RQ_CO8A\-J`%DS,[UPJK_N-H4\T`FD
MRRQ/)^N)@Z/!C%4G65UF2>`)O3[Q,&=F#,@ZN^G86P)(!9U`6L?R=))T.#@:
MUAQTTM:D^&6D/`^Z?=Q%F_0NWF[(#<BEJ0.^P\%52CP#8^UR?]BXNN(--[8F
MD,*P/)U<%&Z^S.M[=N*.S^**W!#:&)'6>D!AX*!M&%`P'*.UKP]<[YI`,'YY
M.LD5W'P-=DC&3J-70.&10B&5A,+G.`I^?/:3/X*L?G-GJC_WH75\E8!@8Z\=
M$PWMJZ6!</J$AM.=T>ED-XBP9MY<<-%WM$^@K1$TE[RCQR!)!LS&D$!A,!Z=
MJP4!\,D"5NMTTA)$6!O,A'"164^G"ZLW2O'/Z(4BYP600XT,+VR*[E:;KV$:
M)S\^!C3;9;'4>9[4-*@L0!@9V4=%4Z-R(6;Y`<<2%N(4L@$X^3%C*/B(JI>Q
M+%H@TD2M9&NR`N8ENT7?=T\ZG&1,1S#IIQ!:Y^3'J&;GHZTNX'XAX(_<`HX)
MCI-5M+D-MB01K2R:-1[-YMI4=_.@<@+.S$A=P)L;E9/NPBG%U(%)MS^.S<V/
M"=7-2Y1'&]#[07D3L8)@?1*A17</(=J-NKMOUN&083J&6;<_,,S-CT'=S4N;
M=^=O_20,4BKDP<OK-OX1!.@!WM_EU.!?@GPW`%D$D_%\IBVNM3>6G%#WD5V7
MY;UOJ^>)<Y,X@6FU/T3+RH:Q6!4C0=Z72[&GS?;Z+Y]\N8\OXA>\Y;S+XO4?
MS_$6KUGZWD_#-9$"1U^544YJ%(JW$.NM`.COK5I*2#*9SF`I[8_LJF-T&!#)
MD%R#&5K]?77U:?7^TR6ZOT;X-Y^OOZ"[7U>WE[]>?_IP>7MG"(=:O/_3P&'C
M?D%PK2<C.+R>3F&M[8\QJV/4Q`Y#&;5Y*@:D'9'.?JZ>#"1%WZ%#5._Q#-$^
M.0$91\4UK]*;GTSF$WVV[VA`25BQ,+"'G*,&I2)<0&+R-(_LV!]KYN+%G!WB
MH"HON(V;O#N\#ZQ.D/48#X."W&P".J8YM^@T<.\X]D>'N7@QHL@Y"/)J'ZL2
MWK(2]63FZHM<M8^K6I;;^>D6Z:-RSVYN*2&:Z-@?SQ7B:1@1[R>L2=2%R\@S
M2(F6D]$!I;[Q@)1E(2"&/H6HHF-_Z%:()X,'I2+T>5^NO[R3*RY?&Q:<>VKC
M]<6WCL93)N&MY+=(-GQ?3NX<',$91!$=^R.V/*P8UMY]].PI;9&L_HYEU[U'
MU"RU?3O$PZD%UV\&$4+'_C`L#RM#[`_[B&K:'BJ1X+IE-K)'W!]6L4"W<],I
MUT<F;P;^W@SB@X[]L5@1E@;1SOUT-6AI%9YUBX#H=JS-BGN?6]VV!N#AS2"^
MZ)Q`W%:`I6&<:E;R]GUJH=#NX:#7V7.07+\&B9^%T5/-XFL,)+'0H!@$C&QV
M(J*IC\H80T7E&<0DG!,(V4JR-XAAX*.QP4B<(=H%*OM0XR!UBY<9\S$XBMCL
M2O<20C'A&037G1,(N$JR-Z2]X2/5`^"$`G"Y7J]WKWZT_D&+'DQFCKXCG/I0
M<L+?0W1=QNN?5@=B<+5AE@<^[`^/,G)A0N^SD>*5GPE4&&E>7BV:6K=,-NK=
MYBF$%,$9!)3']D<Z&;DPJ$79**()*7'Q*0I$PIQ4WS;&N9=+?8<P+:-*RBTS
M*WLBW-RJ"BWG_A[$V\;V!S?Y&3*B;'FIRCT!Z3A^KU3HT<:#"'BSCNZ;^=P'
M@YC:V/XX)C]#)C4W+W&YG`LI[YLD?@S2E"X(W-B<.0M];N_A<'+2S$!\78P/
M/Z_,(L36YA!;&]L?MN3@Q(1F9B?'JW\J<%^Z?<6UZ&!3XMJH==MG%>)I<XBG
MC>V/5W)P8E#/LE.U+[7\EZ#O=J^OVS!(5]'F)DXS_RDH[:X['2^T:=O6<>7D
MF(>=ND"WMJM,&X3/YG`R.K8_4BG"D@F-+$"75[2AET;S5F(.,X.`:%'7P\E[
MHP)G6`0(G,WA\')L?ZA2A"6#*EV`O%+LS]!K+O-$_A^3('QZYCRKN_>_!REU
MQHED+/1%)JN!Y"2[D^"Z*%<?5C,)=17F<,PYMC^0R,2#">7,0HA'/\JC@/)2
MJ$7=ZI3"1H7:-'%0^V">GVC:'XACXL&@RF2AQ_L<INM@B_L(XEV*,M*$:LDP
M2G<)>6^53T+_075KL%EAZK'"_;)[>0B2Z\</X7:'?WOW[&/:KW<9UL;1)HR>
MSIW%:*KON@PG-7*R+L]Z'1"<O9474QT(4<WSHU+[8W[J&#6AX)51ZQ4]H;PK
M!'VA^!%!-ZC6SQG*1S"$1O?/BT97*1HA*C>'`]V)_=%.=8RRHS$+$ADSIXQD
MKT!B5"(Q!23&57,E`#PB*J\@L1AAR!@VALVT:`$?,]L,T&ONJZK/`!%#%XZG
M)_8'9E6Q.:`1Y*65UP0*5,L0%$23YL\B_/&8OK[%ADBF"P?M$_OCQJK8'-KL
M\1*LP>A]B-<[6HTVVEQ&&5[HJ^@Q3EY\LL;539"YVUCAVT^3KQ1!SCC'#_D-
M4Y]RF!&DFD"%F<)B&48TT.\X^66BB;UA:16LZ31)"NCSBN;TW`,Z0+4>A"]U
M\4E4=9_^I(!0D2V(A`4L!UPPFM@;\5;!&CL2-OE`M&?=B#BD<Q\1`2`BK'HX
MY\/!"G>U(=U]W/IXHSWM"YZDP?K\*?[ZUTT0@G>%?SATJO"O]ON5D_EN$HED
M'PU83A_)KB/3!^'6B;V1;1X6=.IL#CJ\\CM$/N23NXM=DI`1PG3M;_\S\)/+
M://!SX)S9S93)()M0\A)(S/AA6"V-:@F=@X3"['1B;W1:$%N=(LK/TE>W@1!
M&T0:8>=B@T@S,3\">KH)\'IM/N+?I>?C45\^)ZL@MXZAQI?H)[T0Y=86U53/
M8*HAH#JQ-SHMRHYN81:@J?((<G&&5H@VDY%F`HM"(%0IY9815$IR.]G-<EQ^
M7TWQ%*88(K$3>Z/;8LR8E6$&BHXDF"ID"?D%!)26>=YW<,\KO7O]JY'=;I(/
M)7?OZVIBQS"Q$,B<V!M?%F'%E-0RTE/);*YNY?R'>TSF^=CI>ZR55U!)MVKD
MLY'`0[$D'U53YL"400QO:F]\E8,#4T+8348E>^0[/H&#(X<+W#CQMU?1)OC^
M/X,?Y_V7CU@EK[%_.1%D([F0Q<:OJ[D<T;G,K\9,[8T]BK"B6SHYZ?'R\]J\
M`:(M$&XB)+%5T?^&!)&E*L79/Y@26>9AYD"P.YI62P&GAOE5FJF]$3YIO@R)
MO!!QI?S7GI<X:XB>B\#A8[@-D@OL;CS%"=&%?3?^^>1_KW<5`M]-[KZ$[WU;
MS2Z$AN80&IK:&Y7C9\2,##-24P@M_1P5WXN(Z&WP%))H1I1]\4D=J(6J,X2F
M[E4(:0_!^U*Z_W$5KUG"?$*\9FIOR$R`$S-RRDI.(:C5]X@T$/(MX#CX-GB-
M$U+KZB[SLUV*!6"LUJMH'$:)/\'&`)%@W%-WHPDV9!97[V2F7Z>TLA)1>@!Y
MO*'\#,%W(L)ZLWO8ANN/V]C/\`*KBM<>]:U"++M(W9?%^I=T[NRU[]U$FY&Z
MAI$+48,_(?HW$?'Z>[S=19F?@+]`=(BJP]/&_E6(61_)^Z)V^#6=/WL3`_H)
M-R-R+:,78E?^&1Q'(<WVCV"[_9]1_"VZ"_PTCH+-59KNR.W$A=K=?<LX*D21
ME85]D6QK1>?87A>2G0$S(MI#12&JY+-W?Y#O4/$A@B_YA/:C'R9_][>[X$.8
MKK=QNL.$ECEXX]%,7Q&^KI'EI)B/IWHJ>E?+PHF?3FCD;SS.3[+MU;J27.F4
M=SG2O`]7=Q>?KN]^N[V\0ZOWU[_=HX^KJUOT]]6GWR[1Y\L5^<OGRR_W=\*I
MM25AGS&Z,%4D4'$5O>ZRM*+T/OB>O<<?_W&^7+A]VET!4%A(480<,:X;H<32
M5;74-"]D/,F/W^W=P:EFTRC8Y&CU2#^(=G2&:ETAZ(O<)"YZ0[^3_A#MT`@`
MM=2JL!Z`C04O!%=[#JN=G__;F_NFFDUV`$J7S5!$,KL5Y,QJCI/7./&SX'T<
M;>Z"]0ZO>1BDGP-R?>L<VV%]1><ZAY9,>>;CJMC;=#>;SI:C.2V\,%WD^M'>
M/#M1=G3O>P1H\LHVB#1"52OT.[3CM#9LTJ'%N@PN\PM.F9^/EI,Q+$BNB^S-
MT1-EQX`U$"1-N>A_")+PJY^%7X-/H?\0;FE?YXL)J62J2>0;AY3,\&/CHA#Q
MYL^=I;O,8W,S>Y.JF.DW),0LM,">X2MQ>N@%\&_^*]KF7W/&Y;M76HM;8EQ>
MC]R0YL^GK@,7V6;VYJ4R4J_;R>@GP:L^09_$1+-T[,&;_Q1\#;9.KLS'SD2?
MW]PQL*+]*`M'A;!V-<+NG#.:@$V#=)V9O8E]8LSH%F5NBO8.;(I#&MH,.8).
M`XM<Z#V+&4+2C]R(WJ7(-RZY';0['X"?&4,.!C=AGIQP?P@>LMRM_K'Z'J;D
M%3)]NOMP-%F_HH_V^AGAX=?%8=.LV';DUM'>\*T`)R:.VMG)\<BGQ2[N!_J=
M?"V\@UNE:9!A-W*JT=<X'$V5']Q&^[Z\[G]=3"NIR4ZG%6['S^R/R7)P8D9>
M6<FIN\GPK2)AU7S2H%58&P,P[7,ZASF%R^\S^X.<')P8#*.P4]5T^N"3-H).
M[WM_2PJ7WST'0?9+$N]>P^CI8QCAWX7^EB3%TI#.A4]7+OT41L$5_A6YRM][
MQ4N!9RQ(G2+W6=G<-,8R!7NO1(,^X3%=0B1A9F^PQ@#G1E,.E)._MZG->T>T
M>U3T?X;*$5`Y!"K&0+^341`=1G3W^_Y'^>.O89#@I7W^0?<>X'HOEP:.?#II
M4`5J/CZ;H=O51[G.,]C++2'>,;,WLJ2,/[,P%"-R#VQE0Z'-2M-F?ER=L^@+
M.G4,K/[DJ)6C1F@<-ZR68@E+`?O%N;U1*3FFALB^X2$P/U$:*SPN/1018X$!
M8T+?;0\ZIG\^@NF'`[VYO0$".::,:GX>RFKJ/H\70+A`I?A/2F$9F]7Y$UWB
MW\I1G_A/#M;#A3.7)>Q?Y_9&#>28&ECG]Q*8Z_R)1J$WIO.-"3VSSC^:?CBT
M6<)!X]S^B(,84T/I_%[*VG2^M/C7DIP_)L$_=T&T_O$A?O'#Z'P\&NM[#86!
M`/6Y^KT<]F7H'W10K5=^_@&E^^;V!SCDF&.'B>0C)U)DMMZ$*7M`OT,?"L"3
M'N_<2R&;CXS"J)44]8#BX+H/6JU=5=L^Z@+,1G#(.#_-RR\B;`X*-P&"VX"7
MGJ&:&:L=5!E$H;$[H%:AD/D.*,-JYZX)7/>=GU",1I)-H[ZA'*UU;['>DW;X
MW9)$F22,GHI]Q\AQC%[\/*1``]AZ>>S%V$$/U3JZH$@A-71^0M$5,>Z&.&(0
MHK0-3V>H[(*^3BEZR8=+SLQ9L.&PQ&ZO6M=P`6L(03+7WAL8BK@;S#HQD]AJ
ME"H,B:'GL_]?<4*JE*?7C[7,SC!(<R]H,G'ZJBR*(Z=O=#G4\/-61TQ?ZRKO
M=0*+!3$&U_XXI@1G)I`B3IY'F]*B^RG)AJOG']-;I$+.VN<XR9[\I^"]O_XC
MJ%UEI36I-N]__';W2XQM;$0`>?<:1VF<!.3EP"#!JY^65UXG4XT'XVIHE(2;
MIGG:`Z62,2H)RIT5"(:[]D=CM?-O!.":F?"*`1",4%<!,`9Z_P/]ANY0-0XJ
M!T*UD42-JEHD:-D`OD&-T;B)5"ULN6<&P277_@"V=OX-;D1U\^+]=GYWCE9/
M-+SQD@_V[@&42"I;C:).'1V#>#1[_DTNS[.IJR^YEI4*.62+\UK'+FLOU8I.
M844AT<&U/]*N@$,3%EN>3._`W!:]'/OH9K"EQ:9:BJU&N\B_I'-84G@5TK4_
M3*^`0X.V39[:/>LEC:CRO&KU^IKX8>IOKQ]7F__:I1D]>#J?S-UE$Y+\-/E*
M\4'K^1%TD-_T=:?H>)295H*$?;JN'Z]>7O$_@LVGV(_2YI[RR5\Z+F11Y\_R
MN/:&T]4R:0`/2@GVR@;D.*AJH@D*SOB$L%`1*PN&!219YR6Q7'NCVFJ99`?#
M)G\.U"><&T/#$<7UN\)^'1A^33X$H?$I_.<NW%`&+[^_!A'>;5%1:SK`Z(-%
M0U^*,,%&92\>&KHI9]V!*AASV%0N[(V=*>1P:+/`1:U7^QKEG^L0>EYC,)#4
M<YB!SFF&REQSV/`M[`V"*>1P<`/`16Y=^V]K$`@*D=#D%,U/R"=JK_?7UI)8
M5GNKG/"PH/,<B8..>J9#Y;U?U[UWSK(\U<"TEDJ>/K&YCLK<"9I^]%L4/Z1!
M\M5_V,+M$OQG//_A-J0X>?^#-K_8^FE:)8CJ2XW01;4J).F>RV,$*AYQ/E_8
MNVTWP+DYO.L@WZ._1O3WLDFX]3%HU8_Q:&*BF-'!L(J0V<_-$;2.FLQG%N>F
MLY!N3+B;Q]^73IE2(IV^.Z=K-=`.HUWN&IL1-\#>[&UF^HU)8`<1=5^J8=?+
MZ4?M;3V*&K63>:,/U"**#5W(22`;387@-7T]F2\6EM?I[B);MYAUC.T5?T/T
MCX)QILX59#Q#,2M6^R<FG9-D;WI0']DFSC9Z:%`C7]?9<Y#<!O[V,B5U\JZ_
M1<&FMJ)-C\"V2%E[3W+"QD5A(7(=C>CTV9OZPDB];L763X)'/T'D&P0?(?J5
M1D%DU'=#2N*Q]NN;27LS11BI-Z4+^TE1+)*-=Y*^Q%%R=+.,W)(U>1/UF`A%
M.Q5>3GOOT!UW4A75@"-X%P*P%I\VJ6/00"10&;'M%U/KO<C=32V*]%Y%:990
MU9!2P%(<K[*2AW,'@V.F#V.L=$BB3(+=/:"Q]E,N;I[KX.917GO/#U2R:!)L
M\N3FMBLAMBL`VQ63'K0C2L\IKK6(:K[^S;]^4!'*A5M52WOS6%2RJ'/3H9!.
MKRK^7NOD#'Q!_!_2T1GRLUK)$K%#F7R<Z.DV6`<AC=&0\`P6A,U5]#6`<"P6
MO>5RKJU*%Q<M:HY]1-FN(XZKKV*IYXO<28&LC:6]:32JV61'GF29+D4$>Q=^
MDOP@_B%DU,2/*"R.J[;DN(H/<'?KYV"SVP;DQOMCB%'\/HCP#]D-YB/]$*;K
M;4S\T_2>T'D^74SFVBP;%RER>)/DN@XWKJY*S3K)G10H_K2T]]!,-9LF#)TB
M6KVB'ZCH0'M">5>(]H5JG:'?:7<"SR*NHLV%_QIF_O83W@P&UP_;\(F>XU0U
MQ*IQ2'1SP9'>QCV`'+!4\%.F@W)W5N0@TGI$>"V=7&O:>Q"HG$^=^%)-+#S3
MZ$<;E/>&:'>HUE^]]EW5I3&,L=T?.!V,'=\TD%A.R&]WX!K@TMY<5.5\&CC^
M4$VSM]IN44S/01[B)(F_80>2^Y%)8;%CC"Z=#HX:[BY(+!:X^`Z4P%[:>UJO
MG$\3\2W51%=&:YT;K2TU6G'-:#U6%QXVE?3PPNTU3L,L_4>8/7^)Z5-[F\]^
MEM^M;I'.95.MR5:T<0X@BS9Y?FI@X^RL7,]1OIZYEV]OLJER/@UXALJ(]8J^
MT#?<&?H2PUN3&U3UI\8S%)9)5L_P5##6Y!D*+R<\=3B&TO)+>V-BRODTYQDJ
MH_D`:E&,4H#:2]F?,5`Q^XFG@JI&/U%XZ>`QK3&MS8LEZ<W"ZHA/@WZB,J(9
M<*7<3V2538[<4\[NU2%-C)=&F'&M([S*,![#.MH;!U/,I5'O4(K4`V!I=PRY
M!)'?+;075-TN(=<:NK"&$UA#>R^]*.9R"'=0BN(#;"GT!+DD3\`/M!=&/3X@
MUWHM8+VFL%[V7O)1S.4@_I\4R7U`4N+ZW09/NRT18K@*W"*&B[G+[NXQ="D'
M(S&:2^0P-"\#^LO<<YC!HMB;8Z&`,^WNFQ1Y7M4:07,53AJ7*+$Y9G:)_[$#
MQK4*N7&?PRI8G@,AQYDI1TN*RCH*TBQ>_Z%1W!D]*+ODO<%3XIKPW`B[,.&6
M)R3(<6;,(Y(BLR[Q/NA]%7[/:KU.=O5LV:MH';\$53[M^<R=T#C]3,NEIM[Q
MY3`CPEYQ);:_[=A=S">Y3K(WU4"(%P90+`$449#Q6P`1FKR\`0KI=R@I/^03
M^?=^]`>]9/$I?`RN(@P:'\_P^7R\&.N3\^9!Y82;F9%"HEL:T&G.%8V]`49V
M!@S(+A,A'OD*[L>A+?X."V[^(9_`7OCI,\VX29\O_[G#(K\E-X5667%[`>Z.
MS1?3B;;[.TPDR$FS()>%;+,U=R;3R61&UVE,,R3&CKVQ/UFVV!T;P>LXD@1Z
MI%&>_H5_"*KF_/BXVR5)$.%EI.,UN<;SA:OOO@T3"?+X$."RCH_^YM/9<CR#
M#*+)"-;)WK"=+%LZ#WHD:0-HE(WA=.=,Q4D/GQAI\86L`\N1H\2Q<I`#-(%<
M!<?><)PL6P:.A21)5.9N)<$FS&[#](\/08(M4A9^S<O?UJ_JN]/E2!]"6$B0
M1(@8ER5"F)H3>S_+%\C>F($P/Z8P(4!;_:&`^!&EW_Q7.#;2B04]KI5M6#AV
MK9B:$P\85L?>6+,@-]H=*6Z2/&B"2!M4-<HC9E)E-9J(^13Z#^&61J/W):;Q
MZJ,^7#33H1X<K/QV(:2E#Z+&IOD6T=ZP@QQ3`]H-)@*;C,<V;_A#.UJ,61%+
MT,)D3UKZF)3^K[TQ:1F6AK`L#'2UF9=:4RD;TYT[3_/AFAPNH3L>.B]T-%!:
M"'E/0WJ2OH#YMCNTQL>(;H'FHJ;*K/M'V]5`/7+KGHS<'L496"8X-Z3V7HCE
M9\1(+(&+),.7[2J14'*SSHST'M?Y9ICB:7X*;7<HF(\1$SD^W%1Y]\\!\I^>
MDN")%E)]1/YVBS;01>EPDPSGYV"[00\_4(8;8-KP.IR1+(CM;D.*USW&21`^
M1322MHE?@C0+U^3O&(GX9_KK*([*?S\$/JF)_&\8*#_R7@(\Z@MMGM-_AE+_
M*^F[^L67X"G.0I)N@:Z)6!!Z"9N;Q/_F;]%/7Z[_\3,=*PM?@K(=\E]BW`TM
MEY)B^K%3M(DQ.1EZ]K'#=`19A3?V*`PXWK7IZDO??8<&*INPVBQ*X)".[0YA
M\[!ATCWJH>7`.5+H&;6+`+]?-(2@=OI$S;,*-P['=L>2>=@P[@_U$&3NMEDE
M!PJNEID0UVXGJ'E>X2!Y;'<XEX>-(1R@'IK^?.[/,W0JZ_1\#/#X_O97S"MY
M5(N$O5>;KR30G=X]QTEV'R0OY\YHY.K+!V0A00[;@DR6SU.R-*?R"/<,QW8'
MY438,6*B!`CSZ!_>X4%?A`LH-@Q[1ZX!K:)-_J?;@#Q(')1_(;(RTGB1@9\B
MY?@0F($.N/3U1D]C<F5N=_!!GCD&*,EFE$L3*7DE3D:>]#S.<D*`.GX=F;\S
MUYGG*M+N3"E9UG1O\27I\_*/$.F`/EJ*:%XA_9(Z>,4'>3>U/\N_@E3^#A)5
M]I+H5P_X,W^=D4N>(XZR4Z+C2,))'7<EJ$2[I-<.<D5I=TZ)*A:U@TP-G<UO
M(*'JMWF%@_*=%LA]+WHSC3>VX[E3Q=OQ'DIJD7.-:G?P7A6+9O9::HCU/EY]
M67VYN%I]0JN[N\O[N[\=X,LTK!C/$4\55\?GCW(+":5@QG9G%ZABT=2YI2)Z
MVQ[U.[1H9VBO-_1[T9^"MVG+W]6RT=[[6W(F<_<<!-DO2;Q[)4<N%0_C25-=
M*WV/;'*3J!'#XK/$!&?F[LF=IC'4N9GD81V[,S!TLCVH_RI'>[\*V,L2S4=`
M=`A4CF&)1C#VD/5):X3CXU1UX@5U@/)COHG=F1XZV6;7"%)W)C2R4/.[/UVM
MWE]]NKJ_NKS[FQYXM_ND4T4G1WV#F0$H*Y^\R.QP]J`@T<3N7!:E?-IBC5F(
MY32_!R=+NJUNC[@J.&`Z"5CR'36Q20"479K8G;*CE,_A#YTX*6ZQ@/J.G]@E
M4L49U$E`C_,TBFV%X4;1Q/(<&I5\6G$NQ4GT,*;QUV"[N8_S+,`?=\&Z2'IS
M1HO%4E]"3MNX<BCDX:8`6&L;FL`!!P<3NX/^K"P82)1A),6KZHJBM/P(O4._
MWG]6(\#5U6!GM'0&D&1%5]:%^.N3[8.Z-'#G:6)WGA@W+P-*>QM-ZL3^*D^8
MOO%_D*SG"UJ4B[S\^P7/-?P#BP1!G*XD8P8*Y"1?C,5"]%E:3Z?.U)F?SYS%
M=.)"'FQNCNV.BTOS9F1O(DMEK:)T?CG@%7K2B!0M,3:[D')TZ,;2>CEW\W6Q
M.T.+FQ?=AV>\!'E%`W0C(NPD(S+%O=.'W].J6/N7(+L-7N,D"S:KEWA'Y&$\
M6VI,N&<F1$[RI?@M`,#>"75B(9U@8G>&AS!/!KPF4=H\VO`,X8'S^VCQ-QJ=
M?8P3M"6YP-LX36D6\"X*_"0J7R,0`!%Q[3[&R9V_#3YCDI[\)[*-')/S,KV@
M:1I8`4A8^=D#16,CNBB0KS:Q.P>"F0=30L]`"P@Y7*HD<IWZ0C:@0E53A5Z\
M[O.F2*-",>XD0($\\S*X)]?=C6G]8@?BPQ"YFMH=V1?F2;?W(TI8#H*JI9+B
MZCQRHT^_6P*,9H7/L%9C6"L(&TWMCK,+\V0HGT64/E.>T#6Y&?^^O`5\[DRP
MC=)F-PY&D\-"/^F%X!]_.<XK=4_M#E=W$ZY;MW>.[M&_HO>"%\A7ZS7Q_]-\
M#XSW"OE94"T$U@26V=S55^I<D"@Y,58V$T3:)3DI'X%V\L<=X-1B:F]@61_#
M.M&EC6JOZ+$X7*(6HCAFW0LO*W"W9$57UXN6IP?BA180ST`ZH&3GU-X(MSZ&
M#7AYVHA7%!TIZ.IV0F>D_+QN2&K<&`ERV02WSB[*Y1K!CC:O5SBU-[*NBKT!
MH"1(JJJ':OED2JM':@UR.KU-QO6"O6Y>AW=J;[A1%7LF/4E!&BN_4?&)7//S
MI,V/`<XT/NC&2H8<EB2XK>.)N9OJN?I\02&2-K4WN44EBP8MD@)R5;ZVRR=C
MVE[<M1)1C19*8/W@2=B\;.+4WEP`E2R:L%0*Z*R@1'^H=:/$9I6TK-)T]T)7
MEB0S?`ZRYW@3;^.G'Q_C)'__+JIO[ZJ\_]%48V$^6?(D[\&HGYTZ4J6[K\1F
M!&*3;ZCM360PP;H)9&NDWZO!NM8[U0&U_FET+*]91OY4&T/\:JDR>==3S.&M
M:(-&3UBA2,$I09ZI/[,WW<,$ZP8]9XULU)[)3-&#GP8;%$?HMSOTRVIU@UX"
MGYC^_(X=T09)L"9KOD$/<?P';D`K2/`6OB[8>?^CJ03%/=DXGX\=<B:EV_QW
M4*`(TUP\-L*VHX=R71>P4YK!U;&9O?DFBK@S:HJ%2*Q9VS/R[D-SC23T.^V&
MUYP>EP>N<@B:]G7+Y6*BSWIR4B,)+&G>]T#&V5MU^K>$]89DO)F]*3`:.#5I
M^911K>G%!C;9,U5<WD;<-1LWT75U8%<S@R/!F?U)-0HY-6+TE)';5H2^ZD[-
M05-_T=.^`GC3V3"%0QFHD\2L\KG9P[!D[Z7OY$+YR1DD[L[LS['1R+D1C&LC
MG[UTL-&2H3RBKN>IL;>A!ER]:@"*3<X@$7-F?S:01L[9U8!@Z0']/!R7Z)>[
M7]IR3\?1M[%EH$#!321N%NO@8^BA.ON#+=$\/_NS/V=(CCF#NU0I0A5=9645
M(WUW6:U!2J.WRKY&R]$HW\M`Z&QF?R:0'',F?$XI"G.(D.;O,$3>$8@HV3RV
M7G_3X@6:N;G7Z*0=?`U3O9@N\':=EA/*C\GLS]!A9\28"\5,DK?:;N$99?$3
MR%HD$+MFGR$^M[F.OL110DJED6>AW_MIF-X'W[/W6_(RX-+5J/D%"%(7+!>>
M@;;P.&.'A3&?T@VP,W9AB>>GE1XCSZSIA!AIBO>"<BTY+L4()`Y>'P/10?*`
M'2*#(3J:1"H,K_QJ3WZQ'L&]"2[<(K(`$8$C+/>T4EKDF1THB46:<.]N_1QL
M=AB(\6,!Y!*X?E;W#0'&[V[W<<P'VF*TZ\<#+O;3;2J>;O<9(BJC$F928U!?
M;HM26N60KGO:ZDI`Z5B5X,VHX"U@M^[:'VXT-0TF3+\A7O9T":>#<*O8.]"$
M&"V.P]M7-(W>AB:IG(-4P@5<U_X8J*EI,.BA&&*IR7?AT#&\=9V+4NJU<-YR
MKN^IU(8!Y;#-Q$$=H`T-RL48P6*,:)KFY`3N3?,Q8\(J<U'D77WY^^7=_>?+
M+_?H[O+BMUOZ6I)PE+\V]E7T(7@@):(_^\D?04:P1^ZPU=\7(#?D@B3SP^@^
M\3<80`"VZK"XIO*Q-.LL;:Z';&7`TCV9+?!4.FPEA'#J,YJ`$-H?O1E@1@PK
M"D-LU1X.25$8(3(H7&\KAT4P+JH&1C_12[`P-LH'S^WRS[7($O;M1;UZ_4C3
MXN#_6=56H]NO7YKAC&LT!6FV/Q0WP(P8W`R8YZ[95^(LM_35#[>$P,<X(5'R
MBD+"0OX$$Z'W,0N2CR'^WR#ZS\!/TM5+G&3A?P>;BS@E+RVZ;E/$H>5%236C
MRJD%;9P3);#/99["(#9"L?XS\M+>TADM:9;#9&YONJ,9Y@U`VP@C7CD`S>:Z
MHZDJI`GLWL_0-:8?.3/T@W0Z++H9'XQ]B_#>?T)6AV30^@N.,QJ!9-A[U&"&
M>79\BS\V:X23"N!E+EK]E<(-V7.\E*,@GPR#'F$<`#WRBY'0F@BE(250/;=(
M4-#T?H-J_)<C#H3]+H[E85_V7LG*&&3%`5FQ]^1!/^/6FW,&)AI->3U`.(0I
M;Y!IW6;<0ABK--\-DC`!28!C[+F]6W']C-MOMAFX4&"R'\LR.3K-]7T0W3\G
M\>[IN=4QH;L("H29)@O.2H1!;2`Q+V+Z@77`:A^8RQR<15N<"3S(7%CI#<CS
MU;O7I^,@9Y0KD8==AKZ%V7,8&7`:^#&CPX]X$\I$UMO@E[0I2!J<#5N<E3S(
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M,M_T,H=:A!^-.PC26;B7!?S1&)7TS$!Z(-7,M3QAT`#[EIMN#E8:3+BBE$'U
MDJ[7E%L/='6FO4,^X(3'@9PSU_+400/LVV[J.7B1-OE1D*%U/A@YXR?2.6P:
M\9Q)(;S%+.*]"XZX8U4#T-,<V.<YD([FVIM1H)UO=O0W\-"#>MW$>X>=UV\>
MTON)5?_Y.7T^`J)#H'(,ZA$,EV2H&>06YABJ`W?5.4U/<T!&(#UM86]P7RO/
MUH*ZAW!I0%=G<U8E_VC`]YO(_9'3`LSC4>,!">@.Y)<M[`W5FYX&JW2%'"\"
MZ@,/B/(1.WT#D?)`>F+8QG2)U9%\'9ICWS@MX!S)@0RRA;TQ?$/<GX">Z&%!
MJ7J0]C3ZDA/J.J^LS36?-^D`-15)I"A3I".43,J12A#J=8K=T_Q^J@/98`M[
M`_FZV#4&>G4T-^7E5-V>'0+]K-'0DU?5TK6_I6`O`P?"I=64R+>6,D2G#OJ%
M!M#GNU+(]%K8FP.@BUT#H3]-I'L7<43_O,/0K1WUQX^U0(`>Z/Z#YOQ>1P'1
M&/MGEW-G,1K<:K?39P;%///#B^6.OIWQPMX(GU(>;3'5?81RV^<OI#+@_;=@
M^S5`GS&^GUML]F"X'M0PGP"NA6UT1]^3T7)A<9:.8BXML\C]%/=>WH4ND$/C
M[@:06QT-S!U77S%B.=H&0&S'O$BAM>J7/!'U]G!ZR)^5UO>`2"665_>Y5X]T
MVF-K[4*M&AM;.V@G>MS>&EL*.;39MAY1VWL;U8!=_<\PV&[.)_/EHLF.]L6C
M6#HW@Z@V/G@1E/<S6BZ=M^&0[C-DBV7;HZJ&@X\Y#KJ".;2M$30LWP@:E@K0
M\#;,QSY#[&C(XLS?ZK45>Z0UF@;ZQ1FZ)[08D7_>0@/6`F#_*H+@JKR-C<\^
M0^P($+\N($R==_\<IBC,@A>4!*]X%/I:2?8<H!_D,_0:X$&CC`0$Z'6`VO6`
M;\_A^AGY28"P?`5/>*G(\6(4A/1-<3]%SX=W"R(,LRQ_TJ3J2/2^``N;1_F4
M1%Z%TH*$1C,(1!9.A8#9T#%VK9=OR'-KY]`J5ZZ53!'?KBD9>!@<NG\:'+HZ
M<&AO.6"%''(XD4&B^\"AF]9&KW+ORNR9]MU5APSJ<#<MA9ND0]JRPF]HC];.
MH94N:RNY2GS8X/MKL,X">N^=.JQ!XWU7W`?I^,''_*P#E#X'088VV/^E+_N=
MD$O\-<C3=._KP!&Y7"<SJ'E-P<*WC+YHZ!]+Z>)$+LPJ8=1&K[F56BGG^6M0
M)KO?F_.B.T18GS-M-W25N-;-,K(\D9MO2ABUUM%N);G1WP9\@K]=*S!;%ITU
MYH)WB*Q&3]QNK*KQRUL$XD3NKRMAU&8OO95JW<XZ-LG@J1=58[.WYKM?1T%Y
ME>]K4(%+5W)!VZ"FE0H;W^(ZI;%_XB2^C0LM;(S:Y[MW4"OAN^->:_=4L=(P
MXKMWBK`NW]UVZ"KPW5MEY*V=UG4Q:JGOWD%RA^_N'/GN9D_/.R56F^MN.U15
MN.ZM\O#6(LI=C-KKNG=0K==UCR/PW&O//92^_!OQW)N+<%!XB52]DAS7M&9A
MYEY<M[0-0;:>)U*/1A6O]CGRW01+^/*M-6>&QK,NC_XT\*S`K^\2F;>V*^_A
MU5+OOIOJ+@=_='PZ;];%[Y-?;5[^:<!7A:_?)1UOHS84,Z_V>OS=A.MU^JO#
M^>9'WD[?\=^[GDC1U53:1H5NV1O)H#;IXU!(?1QT2BYSOJ%,UV;NK'+9&TD4
M<M+S&[;DQ/T_]=ZQ;9%$#6ZX95B3<[6/E_I4JCV+<V>?.]U(9Z,#O7=E7;^S
MW")S.MQCRV`EZ0(WK.@;2D]IYLY*-[>15%V.;;Z9+8^SK71A+^+D-4[PB._C
M:).NHLTU&:^:Q,_!RT-`D.`N."Y+LO4JAVMAR@L(,W8P7HP6T[Q0OMV1*3&&
M=#N;0E1Y92M$FR'<#M&&=3?S=VC+65*85W`8[9N-,G]LMWA6(R__;G?JA!A#
MIJR3$'4V"3_;ELE&V3_:"O&L15X3W>XJ%&(,&=GP")%6D_L'*O?$+XJIW*>R
M<M_V@N:Y,UHLE@WUA]34QVL;5@X*',P4PM_>9.DN%WD9<+OOIK&RP"'@XH6&
M&(GI>4%9H+J0X-/!]8>`%H[+[LK+CB<OZ8JYK2-"JFOZCJX+=?07=,$MOW2B
MB6/=&P@]9'O[W9IZ+E']R]]:86S]N^>J8'T\!)6:*4C-$J3&[L-PS9Q;"G-&
M\B7ACD=!Q3`(QE'C?S9R=W1GKE:.>K28+[65<U9$I1[O5GZJ^IQAWA%FH]EH
MN:22-H:GM2U/+M7+.+N&D*H'K96)!H>]7B2Z?I\\;;I0/K!6T/(TP]O4"HV>
M@XH1%LYL`E(U`JFR.\%-)]LF?`9-M%-%L!=OJ[IO>/"!=(CNPN_U,C#B3S[(
M\77L$F&A=QU+O08-6PR]4Z=&7QR/1.W1`L00`F&6I[:;F8"3\"H8F>DY#K3*
MN^B`@H5>QJEH$<5>Q_%("V>:^[1CD#J[<Q9,L&^W%\+$`Z<WXC^VEZ4[4W.8
MP7A4T_?</#G(:]JYR!]C]HQL[""3?P8$CC+[!L'6R!GE+B[D&2SMCFUKY]VB
MXTPA!K@/-%LOQYJ(93"#@#'9ZBWK@>.D+0X#PR1+<#@^ABBUY86LM?-N*A5,
M-R,>6'*29GR4*GR8M^QGZ)&`_BOI+G_N'?L">*=!,I0SS".Y?Y>N_>U^)0[R
MU_Q>WL$7C_%V&W\CG9!OMGX6X&U-[0/.M&0=N&)+97O+FN4H)4ZU3,Y`)B&C
MR_(7*;3S;B313C<73/&0XGBBZ0Z_8=PWI@J,.6[:JJ=@8#W`,B/*=AR-YV#.
M:`12Y8)4V9]F:&0.K-^!,#*B<"<R_,E$!UI,;4U.2(%HV*JT")T#0D?S>:8C
M^_,LC<S!R6Q=&!GR2NS[Y5[F:.NR7I,_!1MZ#[KA7N09B@+:TM_\UR[-7NAM
MSC!:;W?DIN09]5&B.$/;\"6$"YMGI-,D(%-S1D9.LO"_??C7&F]K@C7YF?2X
M]M/G,RQOP=<PWJ5P->%=]NQ'[[+@A=Q<2'Z@\.45^T<PZD_7]_=7/Z,D6,=/
M$;G/>4:O--2V7L_!YBDH>**,5T2?M6S,#@JD6+X1Z]`>AC9D)Z1/U6_06I`W
M!N0M`'GVY[4:F8/3V+`Q<L,4:E:[<>MGJWHI>L*W(V/LVD30MXT'/LC6WEY^
M"\<D^^S8$7#=HPG@<%_!H;=<D0'Y7[X!^6>^:=BV...WX,SOL\-A2-3?0.P@
MK,$FT+\+7T3DEA:./;2](B^ZZZTI)/N/P'C9L6LOND>;D@(_]:H\#;M.@6T5
M(Q='-YZH(#;EX<F#Z6@L8^ABX5(`;0W=$IEX"[=T>OBSR`=K)9+?*6NZG#<$
M\MB/+DX9>8+'$5V+_A8RVGOXL^@8H9O2!G?P^BLY%9`IOZY&\M3[B58"3,J3
M;%G7MW#;K(<_"WW-5F)U/W/Z6"N23L2SK<:D/9YL\XO`G$G@DD.:!C\+S^(J
MH/&-W>7(_@QO56S:Y^RVTBKA\S;=YA@0K+I\8)O!JL`C;I&,-Q,%Z&734O^X
ME>`&-[GWHJ8AU[E#4K5YT#;#4X4_W2(';^&6!!N;]GK7K33K=K++]T=)^DYY
M&8+)[VZO[6[>]VY[TI>SCISDD&;U!1O/HNJBY9'<Y>AM[<*[V+3-]^Z@5=CW
M)D\651G+7P,3OG>GX.KQO>T&J[3OW2H9;Z%$`AN;5OK>'02W^M[.T:.A)@^M
M.^54D^=M-SCE/>]6*7A;(:,N-FWUO#MHUNMYEV\GU?WNFCM^*HYW^Q.["\ZK
MB?*CFE4:S)R+JHWV1VN7HS>39<7"J6U^>#>YPJYXZ^7!81&LQR$_!01+N^4=
M@N*\A9LIS)Q:Z9QWT]SNGW?<+#'BHO>)K28O_100*^^K=PG%FTGG9^'45H^]
MFVR]3GMU+K[OM;-FJECBN!\_!<SY:I+(.,8411]W`IKA^''=$ZCT(<6;12YW
M(X$"3G;^I#@Y\"8]F4:7<C?:*G3)N,I'"[P<O9E;#,V\V>8.-U+9X`#G$((3
M:MV^;HNDJ?=NK0*2E`?;L(YO9IO9S)N%7FHCH:Q^*:G\PN68YAO0\C@9.[8#
M.)^KKWZ(_[D-/L;)G;\-.HL_-&2[K*`T3;`AA1S.YT[C)4`UQ?B5DBJG+33/
M&E$@6KC^?[8/6_(6W<R%5R`F(RC-86]FB.EIT.D^&^;%*\=YAY73NQ2/)%.A
MOQRU5K/%!EVCY?F@-Z]K%@9U#3P<,7%`,.T-G9N>!G9=(_R*D&&6*I5#_2$R
MDM;7A&39J@H-SQUW9JWGHJA\M\;94JE%RF%*.5M`>=?)&.3,WM0XDU-P"IX*
M`Q^*O131=T/48\-*O\1:3:+%'VD0/RCO.IF`^-E[&]7D%)R0'\+`3J,/HO&]
M9"Z6&K(6#_SSL3.UPP_I(]6@!N&?-6$MTC=4Y?O"6S>3*<B=O5?Q3$^#=7Z)
M."^"ODGSS1SC)RC,J!G>4SE%72/OL;`+)KR`,YF!8-I[+=_T--CJN8BSQ'B"
MTGK5R*P^J?GQ8\>2R$\7F</JD8[94JE#CGUD=PY2-@<ILS<#RN04G(*?PL"'
M8A_%R/D)$S:L]$JLU21:O)$&\7-!_.A#6U.+\ZI-3L$)>2$,[#">GYCV0`ZC
MF&[#8P6&=<0`.Y3N61#"?J-?NLRWPO`,EL57GG2QRY'H*?9<@B;">_</`J\J
MR$GGL#L"6S`JY^DWKWV^=X3GE2RN'Z^+7:L\>#::N;UU^3-#CL>].CU-9[1P
MFPH#J`&T(BI-)(&+3%4=]8I&*81LGC^S-H7$/XMK;9N;`!.:03L7]!I'/;5[
MB'V]<DAHV=:_3>W1N*=7+G83$#O(X;/X+0QS$V!P/Z^=F8:[8-KV\G+,'+\A
MBH&PU!=44$SMD+J#9>K4Z9"CT2KI@^2^*23W.?;G:9J;"/L]$@YNE'HF>%Q4
MOK$.(UNB=BQT54Y%[6AP73KD$U(`IY`"Z-B?U&EN(D[&E>%@BNT5<9,NS=[%
MX3U'?J[O"%2&-!-:@WE2^%5$<]?5J1O<A)SFIV[VIV9JXMH>GX.7=$X'X]M^
M@1C=IQU]DCV@WV`OW"4\@C[I@5N(TSP&9G]VI":NK;/UO!STG%7LU;#1CNLF
MYW8YTG='5`6)QG'.,DF2>&]U#&=+2(6;Y0?F]F<U:N;>4G//P8*LV3=TE,`*
M`5O\`*OUA"J_H$/,(,-M!F?B8_MS%C5S;[>?P,%)ST&`A+_0GO5Q$4=9&.WB
M7?I;E`3^EJ1F?(K3]"9.0R(XSO@S_N(YO4X^Q=%3D*R>GI+@R<\"\E&0KM;K
MW<MNB_^]N8I6UQ=7YY.YVYA6T5(=SQQENK*E#,Q@48#/(!%C=S'+TWS&]F9@
M##LI.AV403FK)5U^S),NZU5MJ]%1-3PB7:."`%10@*X3!#2@D@@$5*`:&>@J
M0H00^]4:8]7/?^DUEBD<2+'E.4EC>P.ZPTX*NV*3JV4Z&(<>N&*D1JE?4T*O
M2?`N\[^C7:75MD2K87V65NIOO?73-'P,H5ZI?YP`FSW[&7KVOP;H@53CQSZ;
M#_V\%MJ1I+)GWX(M_N0%U"3^Q1;49!*LXZ>(#HY;UG7D=?:,_WX1OV`ZGX,H
M)4'GJV@=OP3H)\+DS\IJI>K#_NQ?ZE/=%`ZE/J&@Q-C>W+IA)X5!?2Y!?4:T
MVPW_AG10!KVKZ&N09D3OU_6BOW=3)Z4W=9SQD8([.W0:`V57[/KX9L)84X:>
M<BUEJU82F"%Y)<0F?A!6&=N;#6-V$NS=?')RHF"S:=/.DAU!L]F_E`SS%!G2
M,GGL9FQOCHW92>!V9>[%;@\;Y8K#?_DE(8KF!!P6[<=2IZ],5!X[L4E<'MFQ
M-X/'["38?ZS$R9'>8Z13.`CZ%*3I_;-?[BB9T#@VL</BI6PH_:5@!N75&3<1
M!`<CR&`?VYNH-.RDV+M#D^1,P8Z-4(`("56@T*9-G#@HM9]OOWV]IO)\6TS2
MX:1S8F]FU;"38OWYMB2#'/M#JL<RT&/Y2?>`Y]OBF-.^?7S[:DOE]E),@*'H
M\L3>XG;#3HK]VT])#OFWHV&IZ%*:IG"\":WI/[:TAFVI$?<3''IWL]>J=K-M
M2;K<4=&*1O(91OJB\2T3SG>?)<G0D^NN?F[Z'HV6'9$&D:!J],3>4H$&9T#W
M=M,,&]U79ABVEC3GX'.9<_`ISSFH*QSRO64JA7';^.?4*<<;0JVR")6C)W9G
MO1N:`4-;/3/<M.SKGO-;-R_EK1L=64O:4<*XA?MSJI#CS9E6D8.;%!.[$R0-
MS8"I;9<9=J3W6,^'_@WW#JLE<=S0+JD)8DU5!!2K'RO433_OLMJE2?AF$'B9
MV'U;11/'MNYJNLE6L(L99L/2*N&:O0N[X:W.>V@4F_P`S^Z<0TT<V^X==)/?
MX@WT>P$;4ONC-1GHR$>@GL"Z4AM[3L'0AE_SV87=JD'=V42CI.7G8G9?>M#$
ML>5G#]W4,Y\UT(3IH0X7C@).#6(^U^_<]Y`Q#.3YYT96`_2-2'>BD'PZL3NG
MV-`,V+HYX&-#P69A+PWE<YZ&,LP.@ADVFG<4IZU3U.TXF&01-JY3NQ/>#,V`
M[3L2/G:\^^<0[SBRX`4EP2LFB^Y`LN<`!=_71&N0K4OY)MN:E!M[(.7&4/PU
M2-`C*5?ZE90K)=\IRP6AIYC/<;J77O+M.5P_(S\)$,9B\(1E[[^;=T.&]CO,
M6-6\_SEM1:9N?\0D]_G.W.XK"89FP/+]$Q\WS/LILQFYJVC3QO_J(<T2?YV=
MS^?C`=Y_9Z!,5XZMR*2P/2/+T'->7G,YFM"W2B=C2.N>VAN+U<TVNT.C\3EW
M*18P^+'+\$+]+$3G.XE(2>3ZH2HIGGQX\&HN\[YZ(&#N+!8#/!/-3.!0B?4=
M,\2&?>8!R@*[\RG($20`3>V-GYIA7N=IB1$.^AZ;9CHJ$7U*1:7D+_^E&UAG
M2)MNR&T,)/9,[0VPF&&>73=D8@5>C+#!<7&/AEV&T`;%MN>>GHC`UJ<N_[/E
M`)L%*:*'OJK'.)-J-$GGH*5DSN@#8),)O#`ZM3>S8[@)L6)7HHDYV0O$MFHE
MR_8T)ZR5%.]]&.5T"7(*D<>IO2'DX2;$[CV2(%=*]DV5HH+1RS"S>6559[_(
MVJ]#S+71A>HD>BAEQ3F3:I15YZ"5<S\&*<X/`>V-Z`PW(2?A0@DR)UMCW%:M
M9)D+=<):2;$+Q2BG$Y!3R*^8V9LP,]R$V.U""7*EQ(7:<YSJQ0E4/^_-?M[J
MC!:+IG*<>M_V-'0@K6-Z6%[UY#_)='/S!T7Q9_96<#+!N@D%HI%^!>F\%N@#
M+2&JMZ,/&N-3"H4*[$_^8-G,WOI&)E@W%IO2R`3G=2#3"J#[T!)+O;LP_@#X
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M3S->YFZYO1DU1N=`IPXQR8A7C`,()_4:5GO),O29ME]S5Z88#_G1!N4C(C(D
M(F,B,BBJ1K5"72S^I2Z.KTSKE+`92!@<),[M374Q.@<&-C\F^?'>Q_$?C15>
MCC/MJ*XXW`M9H1H82TF]?=VP7S9*IR#-09#`;YW;F[!B=`[8E8-XZ2B3#%4^
M1:DA&M3"H4J@>N(Q]RF>B4^Q)3[%`QZ4LW03WNZD\3;<P(MGQ=%,M2&ZB9/L
M$7\0?XXWM'CN?P9^`G#@*5HM-HRD`E#&6H5TH2Z+K>B\\"CANOW<WIP3/<R:
MPZYBRKUZA[62*'5C_EKTB5[R3L_0#RI09@'IOED\NLKAF+MJ<#@]MS=C0P^S
M'$E?02+N92LF6PJ+?%#\)8G3M(GF7_PP^AR\/`0)J<(W:DK<:L$=0Y=R(!.C
MN4040_/2EX'8SG@):;ES>Z-X"C@SM2>5HM*CK5$MPE:U1Z0#]#MT\;\TXH#1
M(;0+"`VN'M=*0(AA!+FH<WNC2`HX,^;$29&90Z'9/#SA#CB]LDYB2.PI35??
M0UJ4==1T"5$$!56W&I'023L;&*HNRO7(RP:-X'[\W-[B+(JXTQ[AD":QWS;0
M*";^Y'?2D4H+T21B*JS$8/C@M19-ZS.']8%Z-G-[ZX0HXLX.J\%":J_E@'RD
ME'=?ST#8A_B%6"92V'ND%B30LW:8M#/``Q3HI5HAR+8?04#%M3Q(IH(_F\#2
M1ZQQN!"B*O?=:<H$YL5)U:4FA'32W`^-JGGE\,+MMQ$<B[B6GR3+<3;XWIN%
MRD[_"OPJM7OO)IF2-1B#`(''2#2M!)0P'L%AO6OY(:X<9\,;!A8R.TV"@"EH
MHF.UV82PDO?!]VSG;\M7#[!<C3EVX%R=RZ%"EH\2'EP=E>NTR,](H)2O:^^M
M,*4\:M^9*R+4:[8</U5=H;ROG_$./>^.TY8("B"C5;$?20V61G#UH"")`\>-
MKN61#U4\&K,^B@ANOFIDQOBP[4CLA\SQ+D5P<7)_&6)5KN41$E4\FMJY***W
MV0;]C0\P-P$F%D/_*;A^[(SWWY(`/I&TF<ONKO'U+@<9:4Y*S/#U5.4^P.5)
M!P[Q7<NC*,J8U.ZRJ:+4JSHB>9O-'ES9&:*]F0$36Q+8*8#I..E+=/7`XW;@
MH-^U/.*BC$DS25ZJR/4JM"3FT,*XP3D%N#1L<437)G>GX?:;:_E51F5,&MOD
MJ*+XP`CU)4126`GO@3Z%47"5!2_I^7@R[ZE\@(<_?XJ__A4H@KH'\/-AQ0/X
M;=,PJO8\[703F+2/7UXBGU)--7+I>?_$8E=,B!>='I<(0?6-R._D>T0;"!]W
MW9/;-.=CIVFCH4ADZ1"JQ+69WD91I9^6,SG)9]*%F;37R>'FPZB(]A"S)Y[T
M6T[);*^M_B%XR/)+9?A?_PC"IV>LKU=?@P3K]^*VV7V0O)Q/7`<;`>:-LX(A
MY:1;#\_%B_=*>G><F<6YNZK9U(DHQ;163P.@CT69A=H6F_2'J@Y1T2/*NZQ*
M,9!.!X0JV[;\;4'5U095>ZV;:C:U;^(5$^R5"/1S!`;?7X,U^45Y@YG<;6ZX
MZ5QM6@;$*>.!P-L"ZO[1@5*)L'>[I)I-$\<'BFGN-JYGA];U3*EYE;T3S%C@
M[`1O.Q^YN((=TD,CB/0YD+6[L#>%6CF?NIU<E<3NWVSNBR85':+_Y+_8?!$G
MKS$Y"7P?1YNJ]SPSTQF/%PW>JIJJIIU#RR*.BZL*5UW-IK/E""Y3C5P:*)\L
M[/8[1=@QXE\*$.:5;=`#;B2:0WV1!)LPN\66-GJZR_QHXR>;FSA.X%J7,W;[
MS@4EQ+UK:$EQY^.J%/?.9I/I&/)X%_;6F^+D0KL)8";%@T\1?'N&BJ_1_\]_
M>?TW1!K]#['[EY??,3#Q:K324BA!=Z)/UAF)D)-Z84X+^6?M8#:?YY;9WLLU
MPOSHQH0(45[1"+'!!&ZF\5ZG(1?;(K+'N7ZL;!"]VLN1A=;<B^2=&5;*"D%N
M:3">3D=Y='AA[V48=@9TBRH3%1Z](7\=P>[X^K'FDJN5/]8;7`,(X/'Y4-?4
MY;"V-S6>G0%39SI,U'CWSP'<JRUKTY,E1!G^-;S5'GQ?/^/N\4]8C08OKU"Q
M/D[P/[,P">B.<J\.[1F*8I(M\NH33WO[@WP;X_Z2;V$:("Q$P1->-C*2GZ(L
M\3=4*Y=GM^5KS720YX/:^KS7?GN$D"V",@0\CO:57<L)Y3\7]M[!8F?`R-Z1
MB93C>X<$)SIKOBDH\F.\U-6Q'\'2FM3&L%Q:.=C0[E.PTS)(S;;F:AW*2E8-
M5&V$3[+W^R"+86^*JQ@S@TIY$T7]LGY=U*`2V]SQE!V0E/9!2B6P2WB]-<D3
MMOLTCX>-P:3ZF!9=-3_:WL/J"^-/V>5:8`@Y.5?#4R'W0KV1<+?=.EZ&+=VX
MD*"-/KB&[FM/(M5PHC*;0$K(V+:6IP6<HTVIZ"I:;D!DV#*R@94@D#69[NB-
M$-%4.BF)8SS`/"T8'1]]"J^GW;DW,FR9.B:5H+'+$/7EM2FH&\*7E,GQ@*?4
M8'*X4LUG`3#)?HGC87?<5@V#NKT^)52VU+;2>6U#D5BR^82G#[\C/U'!NMM]
M7*R&02.^HQ)26;W(QOOC@V!/HNS<:8'OV+M4L.)VIWZH8="4QZF$VF8CR'V]
M@M,-):>0S5'K"<?]B>9>Y,##3%D!BI8&-`8,99@7=E_>96-`MT?'1(5'3Z\5
MY#OUK3*CDA]"`(_5<M?402%7R^\&L#%@2JTR44/SG4C1Z+>9[]0GA&P;D"'@
M<;1EZ%I.*#&YL/L>*!L#1EQ^)E*.\YT(3G@U]#61_(OXY34)GH,H#;\&5]&:
M/F*=IK?!>NNG:?@8KBG$5YO_VL%0'[&<K*XOKO+KIW4JOP39]>.]__W<F;CS
MII"DFML&VNB6@XW)Z2R0IW-,9V;WB;5VWG7[8[H9\.@`:&\$!$.@G\@@/Y^A
MPW%0-1!86S(4/1Z@_F#\N+>#P0.27^$AK=,\6JZP_GDUSY'-US<FW37;'736
MS[P17T,[&]YMX;G3>PL_;4'I1*`V,EZUT1;_NXI^BXH]`J'])DY#0G/Z'SO\
M2[)'^1I\"-,U'GZ7!%]V)#'K^K'\ZMP9+<>SAMK]:I2&)JKU!,753R51&)JG
MHBJ1"D\Z.OF]6WM3OH:;$';%(OPPP6#,>>4W"*]0&N*EQZHG"UY()8$DQ/O]
M\.75#Q/>ZM+:P:)EF_3GU#OS0?2."Y((IZA+>_=-PTV(SLW48%S1K*+Z&>!9
M/<L!>SS5N)`57O9YAFICHVIPO*>BPQ/_J/Q88'-%8DL5*47R^F+<=-U'X=ZH
M:5@%>QLV;NJ(;VU6U?9=TI(S2UC,F;T'E#(LF4"=`%WYR00-@-8`(W9GHE]"
M])T%#"'OKIB\3T>P".`MS>P-5\FPI'W;+$'<44DK/]I`]*G^7H,8!O:K#ZU6
M4$"E*+7B3)ONO:F!0=?(<DC@XZD.AJZ6I3%W\MT#Q!N7]AXX27)EP@2(D>8U
MEO<Y0[B#O`*03C1H,0H#HZ'1-+`M3N[:0HAQ:6\"M217Q@R$&'V&('$H//HJ
MP[6/JQ(.W?RT@Z%Y419T4<;PFNS2WG1**9[,FP4VPEH1H%W^#1@$H_+/8`R:
MEV0)2P*/72[M3>:7XFD@0\!&G280_';W2_PU2"(2Q5L]!=$ZSV8^VFK.IJZ^
M.M"L5,@!1)S7.EQ8>ZF..J"0\1*<W+']?I0"#HU!29Y6[[?SNW-$V_X0!%'[
M^PNK:--V`ET^KSZ?-]TN4P,L*<KDT*9V4OI?(6'I=3H?36=Y77$J`).IO0%A
M7>P:R2/10'CU-,D[W.D[TNN[JNT[W.\[&GNYC]\57=?^K@K1-,VVBN&00E6K
M]7KWLMO"JP\D#8:\V]%81I[[Z2"6T73!5)#3?J0R=3QVB>]/U][RI%.UC.K.
M,%5*;<]3?)"27@MXTK)NM4[1542S28<!I^P#?*<#3@XSRBX%4Y`">T_)U3,Z
ML.D4(+E^T;064CI^:^^L&:T#V4WI-_=.!YL\+^VQ"\`,!,#>S:9Z1MG!J>NU
M/0&JO=5+O(,[B7[-+KXFP;O,_XYV%1II^6H41[4K7C2?Z/@J8AWHV;.?(3\)
M4!*LXZ>(]G1@@[NNA!"*?^:\Q<@\/R3]J1D8'/6TY48SI`)8.>76`,T=$Q%;
MP+YI9F^L0CVCUOC.+-3R^LXT6="<[]PCLJH-M,7HE##0[7*P=$`.['X212VC
MUAEH%JK9#32M2_`08"L<H$VPV:UI6.;`@G,;\-.SV[,_CVJ8:5$-8Y`]>Z.L
MZAEE4`U+4`U1\$2ZT;RU9B%:9FM-^E=5B;=&)QFA4!>_QEM2J^27XE4,C@JB
MXB/IN0DDQ&%?<5Z&3O%ZST8C6&^[JTFI8U*W#ZV,TLXZ\G4[6>\.Y?W1LRWS
M\).K*G\*\&.N,<^ZWKDC9N]='+5,&CEA5D9NBPD\+#ZOYFQ9A7A*%J0_!02R
MEZ=G7>[<X['W>I!:)DUM4Y51[-T_AW@GF04O>+>(-X,IW5F2FGC!]W6`<4?V
MKB]QDE'DK>,T0P]^BIN0S"GTZ(<)^NIO=\%^83RZ-84]ZVM^ZY1>3_KV'*Z?
MZ9'R07&\_>)W$7?U.['Y()XT%?Z);O^6C#0$O%LXE$,W[93N9^8@1G;G0:EC
MTD[_MH%2.?^6=&@>?HQ'/Z>,O^,C']D5AXC`W.XD)W5,&CKJ44:PN(]K[I!G
M7T2U.KEVH%"5DUNM]Q+6V^YL)G5,VNWD-E"LT\FED1LS3NZ]_YV<#7_>1>$Z
M?/6W[\FU_^+:R02SJ^O69<?`<G#FXJA`:U<C9^&.(?=[`5<`IW:#DIL7W2XH
M+T%>W@"5+1!M(G@;AD4@M%QV&53$CPX^NQI-1Y-Y?K]A`3?\IG9GZO$S8^0@
MDYNL!E%7?>7K?.XLZ$'<4H>,MX^K*R)^S$_]-F1[N^+&G>/DBT#/JZ8C>P5=
MBB<.>8\S?\LO[S+4U7+-BKK=9^@C\8G^3GRB,W1/:%)VZ;%PPRZP%W8^'X_T
M>36,1&B[R=C-*1M0]CJI:D7-80WAKHW%SU>J8U"G7Z2,RMHMQ#)=J^KD#)7=
M(-(/>D_V('J!I:5"M97`:BP@S;VB+JPH7)&Q^&D\=0RR`TNZP+,TL1Q951H`
MQGXSW;0Y.XGK^KR6K[_G7%"6H\D4!&4&KOQ)PU:*[8&MI`SMW;:3'KP=5D_>
MJP5;C,"Y5VLC^!S3MM!G0MN&U7-ZWL`,2[GS:L^0%^2%_#J+WVN6X,B@'>2G
MCCG.)&KVVD@B^T"Z#205\YVEMJ.+WO'U`*.+/1:$E.W+I5OF97SA5&EL[^FT
M"M:,G6M($`FI$EF5*B%]N'&W?@XV._*24;LIO`W(`H7;D$;&[LDW]\'W[#UN
M_\>Y,Y].];T?)$N>'-(T3$YQ:"[=-?$[9G3//IY.H7:>W5?L-'%LP-3IH]XK
MNB7!VLK<40>Q`C8-^3:^HSX4UO64RWTC6#^*`:N1'1=D9P*R8_<M'4T<ZXXG
MZR%[#^3=&\/]SM'OM'M$^D=T`,[]8*4STHO\0<-@\_['11S1W>7.WQ9^Q`<_
M"P[EV5DN%MH,NPQI<D!7/"EUSUJFZ\+IFTYS(Y$_M&3O?2#-7!O<P^KAX,"X
MEWT5SGL(AEW4FJN18RV6_-3!W7BZJT9(<N,`)X5+>V\::>;:Q-FN'M)KIU<I
MJOI%#S^:,/X#D;ZE#7GEF.S?W+^.:M0<^Z-C??D(`A2I\L]EIF#O.0#^'BNQ
MF()8P`-72WOO%.EAU@1\E5*\9XL/:TUA3[L.ZD'!JOD4[13`VNA:2TG##*2!
MWG29C>R]?Z2'68..M%+"]S![%>']\@MLBR_(/"<1N?U7Q^VW,'N6O96T6J])
M$2RRRP_"KX30+T%656N?:LR(Z!I9,N.!BZF]C(:NEN7*C6B$;SR:P<K9'R82
M9<M(1H(8;=ZGZ]67.^',@4^Q'Z5?XBQ([Q-_$ZRB#2VZ5A&15L\TUU3V>#Z;
M:D.$$$UR2%$U#74,"?59+K0S@H6>PT+;GQVKFET3F%-,LT?[.T.TQS-$^Z0A
M'2AD6.NV]O@Y=CM%'4Y)J=7B<IX>>!O=3DG)<$`R7)`,^U/Y5+-KT/543#K8
M4SX<WF+/\S+-_"S`'BHVPZ0P:AQ1PFX"S$&4^4\!N=H];S*:+9?7F3J5`XXH
MW00H[#26+_X1?W,Y<L<3F&M[$_"4\*;3?JD@T"/M$72`ZCV@W(I5G6A%P^)$
MT;"01<,$%F0*"V)O#H\2W@P8!!5T`B@"VL&[=1T46P#%JQE0,!8XL0\5^V5+
M1)9D"DN2;W#M37=1PAL[+,2+E*@@E`,7G.5"[G8/-TGX$GR.D^P)-Z<D77Y_
MI?X:D2MWSNXS=78F>;+-26<I_IT-JQF?P8SG>TE[DS^D>-+N$PD2YN%VB#9$
M14OP@E#15HM0LQ5+'EZH75&AGL,\YYLK>Y,>I'AB%VK!.B`RU'G%)^3R0(JE
M_)5*^4LAY51]:Q%N1A=F>.EN<%D8)]N%R<X#5_;F`DCQ9,Q%$220ZNXFJ49!
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M7@>6UV[KHX`[0Q9)GM(ZS$J4$6B%09Y*)8:M-EOY(7@,DH0\B$G>F27.C,;\
M?#8B]'AMO8P>I4/U=E+6+QG#,>1D#*MX(OE/,OR93GB2H)5NA="#CP=88_A$
M`7WZ>1<%?A+1-YA)<S5@^A)DUX_'@C8WCZ@&2O3`BHUE%FPU]%2=@CJPJ)#-
MX]B;2J6620M0QD5PD1"L`F.U&A7Y30&:]%C0V6!6ZU>L9JZ^D@X2E$D&>)1.
M2?.M,^Z>JWM-"YI:.LMW#/8F>.EEVB!FM3#@W>U>7OSD!P$PM9PW<9(]QMLP
M'@"_NNLOG2!^>ZYX2T@"7+6:YK$4>S/1]#*M\R1&*^7[Y9?R?LO+.54\H/G`
M1O(N^)<X>@T2<G45=[Q*TR##OL)V1Y[^NM\DM'.2@3#E><Z.H4\Y/`H27:9-
MX/8W;>T?H'VQ7.Z,^DJ3/,5P;'G"FQQGQE(HI,CT<.MW57-$VZ.R`W3__C:'
M!3\6#JA*/^R"^YA`D':?8F:O'V\#R"HEK\X]E;>4B;QQW)J1&4L:/"JY[``5
M>[_58KNPV)#Q.+8\$T\3RSHMF4:Z"2[1(2Y3A'LF.7W4)2T[)Z9NKWOAB^%J
MQ)GM<L^I@_;X*I`:25B`)$`RY]CR_$)-+!O8/FHDG]K4RJ="/F`WK(SJA]LA
M<,GN<9XT,)E\5)%U7L(Z0Q+JQ-Z\1ITL#^C5JJ"?FM5C:&[`K))L&(!I85:3
M>O><*<7'&ZNT<LR3>$>C-P_9'@?T+7"2[<QA1?D'4;UA%..K"YW]'99K/,]=
M)S@"F-@;Q-?"ZX"64H9NCSY>@2(-AE)&-H7/9&P''9M-Y%E1<'KRS*B)O<%^
M+;P.:05E"&>$708]HPWN>M\$IB9LX*?R=@.1WX5N8'Y2<[M&/:MR4"V[KKRA
M.8@#I%E-[,T?T,NTW>!EX*!W?ZD.OSF9FR,Z/\>;\#%<TYFAKV1@2=I4]3F)
M."^:;@"U`%=T'#G(*N2NQ*IHGY72'L-R0^K6Q-X,`EWL:C^Q54^S5W2)2)\'
MA[%[O:*BVUHQ6].09-M9GBHDC_>7\NL]A?6&%*^)O4D!NM@UM<M43[J'MY#_
M(\4>;X;M(W5\_?4ZV?$^G"@OEHP>[*FBKL%KE5_,&2PF%.J:6)XMH(%=8YZJ
M>MJ]^^<`^2\D_8:<HV;X7_$N2S,_HAYJ4EC!L'KH,,EO)F8Q>BRS<Y):^=SL
MV<_0L_\U0`]!$*$72AL\QI(5]E?>Y6W*.VJ;GM7W,#T?3T9&JT)T4B.G!^1Y
M[Z@6T=T3>4QO.@(I@NR4B;T)"PHYU.GMJB.SI:)$E]O[.^F-,_^`A]@/\8L?
M1D0")U:@#^@QA[\V_D40F/=%EQXRQ":0B3*Q-_]`*8\VH;"+4!$<0G\Z4UF9
ML_0LRF0]P@M+:WH<E^M&2/>8VIL&(,>4;D0(4^;MM3Q.6-TDP@FK[-+#5L31
M+HEW121^YF"V('H[@2R*J=UE*,298I=XP9*.4N3UB?T'\3QMF<"RJ.JW/6#.
M8!Y8^J-[XSQ^`\D/4WM#Y:K9-&]"A&EM0E=:AU<>43OVKSBK)ZF*$FO$W2>[
MXN%JD/BI5C$1.Q5P7#6%Q(BIO9%P;?Q:B<T>HB5`*E'R,G]8J*BD?^Y,1_.1
MMA.'@]'D(-A/>H&IPR_QYM-90I1S"GD'4WL#T>P,Z)9Z)BJ\XF&X\B4>10*I
MI<Z#&8$\JN75.),3F$D(NT_M#<.R,V`@L,I,3"Z72?7H!XJ_1<%&356@HOCP
MG@['_\C#L=>/5Q'>5N%QR1M]COE:0<STR2%`Q_2PU!5B[K\*Z<'!RQ1">E-[
MHZ\F6#>`4P-LT,3!_'N1TJ\*A==H8?#3PW;[V\)J)`/B"E-(DYG:&V@UP;I.
MI]``_=U%SHL!2`F4VA#TGX4FB!]1,8RB(N@D7^3Z<6]$^NU]O-INZ4^D/%YC
M@K#FRNC]E.G1`6)3PH)^AIXKX8'[D%.(ZT_M#>[J97I(Q$M1WO.@`>F:H'G_
MG`3:9#'"_<,_!D"YV?</3@+E7/X[C]BXN=\'60,S>R/4>IFVP&>78J#SLIZ/
M_Z]X?Y-`?MM5<_2,:HQ8Q?9^]?24!$^X\?7CY]TV"U^W]&W18+W+PJ_!9Y^<
MMV8_/N`/+K]G043NT:<?@JW_XRJZ\7^0/,\/_@]RND\O4;#&,=2,*H=Y;9R7
M"=-J1B@%:DD%:NR"]9C9&[8WP[Q.HV^$`Z\<@$"\&`+5QD#%((B,@JIA$!V'
MW(#(1T)DJ&&1SW8+Z2TB__B&DFK1<4!T<E-B>4D,[<P;<`2,,+*O`%X*!;"N
M*8"70@%LR%=!I0`VA0)XA9'.\!=#:P#&*U%O404T7)=2+3UCD![(FYS9FW5D
MAGEV'2!YE4HW)RJ5`.?-J/=QDL3?@B0M22@>ZOT8)V0S4[\M]CF,PI?="Q'Y
MA</NZ8N,(0=M15R5.!;I+U_NI>,L8;DA[7-F;V*2#E:U>^AJZ?7*[E"%R?+E
M=;Q?AS*M]3Y1WJE)W+&EJI\:[ERUN!OGFRU(")W9F^ND@U5VW`DFOFL@N@8^
MOP1?4`<?+>;X4@??BWGP,;JXIX:^!O=5;GEAJ[.`5,^9O9E=.E@UYIJJI5L"
M@9Q^9T[*EQUY\?'ZL>Y.QU'VG.9^,V;B-GB)O^9G[!^QK%=![CL\:3N:53Z9
MLY\^J1M9#JU:9Z"$L-0HJ_HHU?;%!:F!Y->9O4EDYB;`U&F4"6:\?)#][2?M
MOMAC4DV0Y"/0.B!4+1#9KI?C02D=:GC%P&BQW[)F:+#N.H1I`<($^<<S>W/0
MS$V`,4_`!#>E;HCH*.2T2I66X"UB&;X$VQ\Y3^EUA-FE9>+O@^0EQ3SFA![/
M`I'"^YC\/L222>>Z84KN-TF%()ZS+E-TR6F8`6>O*B5FB(9*FB<@S9!E.;,W
M4<Z6Z=%^=C<\CQZ04(304X0W-`45B))!M5BA]O;B\J#L*"TD$V^/&MJJH`?.
M#*G>(U?Z[P2\(O.`92PH^B]UUSU[`ZJ[*<@ZW!29VYLQ:,OTF-K$#<]JH?5>
M:UIO76B]K-1Z+QT;P4+KK8^T7NGQ;?>TGLA>T#QN62NZ_DOM]4S?@'IO!M(.
M.79SRU,D+9@>8SO4X7D=3O%Q;F]7VVW\S<<"EI_B?XI3FH2>!LG7XG?IY[Q8
M[BIMK3N8GD^GDP5'52=E`TOF9FGDORA'H&Z,B3MU+2\XHYY9G;M#+11[98_H
M8Y'(`9VBO-?R]RDJ.D:KM*L2)V^VI7JQ9DL%>;NP/JJ`J%AN[(U;ZV%6>^*(
M%K*]U:=/I$0\17$1ITZK<O)^BNBC$8/#E34_^LWB=7^+H$$8[,WSTL.L"?==
M"^7T.8GT-5B37!+$"&`+TDS8'.FW'$P^<J45#D+W;7/8M\$MF;F]=YV,\*[;
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M?D%&D"53;I48>8V^$Y;IC4:99O2.AA;J!C^';8[A?9T17`:86WZW0Y`E8QZ+
M&'U]8BW_+/*>Q_2I?+ME/-98V)>9##EX2'!;K^;)W$U5!1)*OHX@ZWQN[\4#
ME2SJ='84TMGR^.K^D9?X0T.?XR1[\I\"&AR[CJKG.CX'Y"S\?#(=S1JR.-3@
MJF=PR;@2+V=U#/4T+I9K/LE]5<A<=NW-89=G3'O>A32)1WMB$L))L"UZ^+%7
M@?9WZ(@3*7?KYV"SVP;7CSSO*J?YH[*NJ\\\R5`FAS&U<U('H$S/E3*%9PM&
MD%[KVIMIK9EK$Z9.#^E>T2UQ(KF?(4\%7Z<-,)$;W`D6AZNH>*7BBE:UID]$
M-KW$U_889D=?<MCCI++<2W6U*Q=BD1==@/";8_D)@2!+VH^[Q.CR<#-4MB.5
M$XN6")KJD&:V\ZZAI?GXO(MMBO,R`1"Y<BP_&1!DR=1YEQAY5*B3NE"'A5"'
MVH2:\<!K:*EN./!BFV3(D5A`4,BQ=]LNPY*Q`R\Q^A3+]?ZPQ6%:E5M&]T1$
M<L8<5Z:8.I43=%&ZB_Q,MO;CQ6B1O\P\MG>K+<R/3G]$E"COP/>HLJMJ"8^T
MH59!9]3D]DGZ\6T"CE6`:-'8[O1B(7Y,:'51XBJ1!PU>)5"0M/^H$GMZ`X`S
MHL$I/FR7Y^P3^Z-+;QP+`<&DL;VG-<+\:#]"%:6L5>0YKZ.MU_$NRFIOD:TV
MFQ#6Z4.8KK>T3&NZ>DCIA?;SZ7BA[9D^3EKDT"'+>/WDD[.ORC6%TE%+B!R-
M[4UI5\^H@:VO<J+W3C:E#G@$A4]+*.(44-<8;Q!>5RA=M,Q5J;W)Z^H9-1%5
M4$:M5_14OS=2]85JG:'?B^XXXP;4LG:\MUV/@AR<!3GC^:CIZHB9)^K;"9,#
MJ-()X7F4OKWC2D*@],X2;@&.[4U]U\JS0<NI@_XCOW6S"\@9''9U\6K22BK?
MPNP9+VWX%!*8TQ)*YE%M]+GY4T`UUV/S/!("=WN7$$`>VYNFKY5G$Y99!^'=
M+\T7/1^$_,_DO.>&;(6\UCAF[O#^^.I[2`\Y1CSYU-PC*,\BY6>H#$3U];8Z
M[*W*Y9A`+@<H:]?>0TSE?!H+62DDNI9FFM0P5QQU$DA*E\3G(O=#_.*'$95-
MCJ(F`D/H11L;3V)P@^ZJ-<WS(2&1Q+7W`$@#I]I3>922VYC3C58UK.$>RW]#
MG^AWZ)5S3RHEGXH,G%V@DS5RAXN;W^R"3!?7W@,@#9S::>CZR#9AZJ@C>[5/
M5W'O8+Z8-.6"MX"KO2<%NSA6"DNDM+<JYWM&'X^>C.'HS;7W8$6<(>W61H2J
M?/,4'AL.H>L.+/+!EC0ZI`0?)XRR3"TXQV.(U;CV'B*(,V3@W$^8N$J0]U6P
M1D%F='2&E.0&MX5E<L'U'.=WI"S/XQ=BR)@3(D)=FRR+N1.'GDY-1B;<'D5S
M9TH$F9G.0U%N;EBY<OEU<\B^=2W/XQ?ER91WP4M8)<M-NU,9W=PG+VQ9<,/+
MM2LJU_0*T,2!K%O7\D1^49ZT9[_)4%<)]_'>3Z]P\_D>`TIWNP?2-]D+F&S(
ML%W8F[DOQ9-I/X27P"X)YWW;%N)O1[=Y/\8)INHF2![CY`7_>Y6F09;^DOA1
M%FS*-"SR&!>'NR(UF!PP5/-9O3DFTW$5/QW!$L,1P,+>A&FM/&MWES01[N7]
M-MQ;IQ<-B)-5=8Z@=Y1W+YRCIDBD&1]?/7GH-CR3JD8:H-"!`X<>"\N#X[IX
M-G4*I8G^O13N^P^WO(^'JA%1UA=!3QZ+36]WJEE8.$IWX-1F87G@7!?/QOQ7
M30R4]G1#[&ER9$^QUXM>*WOJ@SU]@NX59[)TY%BIR6.Q)V?LZ"HW?U]TNY(O
M)^0"+NP-HZMD4:?KJI#.[G255;0Y?OP&^Z>X._E<E;TRAQ\"DKZ-/R+_NGZL
MO_=UD02;,(,7O["E&(UG3?41S%0#9253.615358'DL6&F,Z6S@R.DQW(.%S8
MFQ9@@/,!<*^0?):*I&=H;PSB(%>/VQ)K#./DS]L.K2:T7+IZJVIBH5=-Y`?S
MD"NYL#?WP@#G!K;'^KGP+LA,IRG1`KDOKQ;NM6<!Z0XA'5-9;4I0,@/L8X+T
M0IAI`EC!VM39TEVZD#VYL#?DKH8Y2R#72ZB7/U6)[>J6O_B2C$0-XE+;!"EN
M-[FA,W>6YVTN[,W(4L':T(YN#WULGFP%M;(;M7"[B=.L_HOCIS=`_)HB+V;P
MQT"A7D"*31$K0IEZ)_H7<J&6]F8P:.+6$K/(3[EWL4L2\@;->W]+?-8!@3N(
MX3PMX'*;5I;>L<+/8P3VYM5IX75HX\M+,)LU)KV^J_]._KWGAJC35;3>[C;X
MGQTO%VQH;MR4XW:R\$!R&%7)7U6A6K33ZHEOB*?/X*A@:7GZD@Y^M:<N:2#:
M:\Y+*KOM?H\#=VT<FZQ5X$\6G$WUX^47'J*`L]R5LCQ#20>_QA(B-!!/4/KN
M512E/]U_N/V9,R5"@1PSOD%RLCAM>+U$?N7A]N0,3@:7EN<NZ>#75!*A!MJ]
M+]=?WMU<WGZ\OOU\]>47M+J[N[R_0U=?+C[]]H'\XO[V^K?WGRX_H`^7[^_1
M[>7=_>UO%_>_W>*_W0%*N4'ZRL]#/15ORE/Y2FXX:;PJ9E4>M0=);%@B1E`!
M#:XA3=ZJ"\S`M_W&MI\)ZAH?IQB&I='-6C,4>6_@J))NYGWKR>/XZ&Q)LF,B
M`0Z\!K2$.U93>WUD;?SJ/F/20;0"JRM\_:9Z)9.!LY;7,N^#[]E[W-D?1+A=
MCNLX2@>70[7N>2AM]=Y`?8J_;Z`B^7PZ!T]NFI^*V)NM;'0.3'GBAOC9N][3
MNY_^<&N%)F#TS-^^*FCPVS7)#=1\F>:[.GL3FXW.@3%_WA!#>\H@VE<&&OW\
MBKOCZ-E5!#6XTS;F&J#!X?0K'%J5@M`Q!PW:07J8<HLX@NC)-#^7M3>;V>`,
M:`]Z&6&CT@?7CTT1:/PC/(N)787BL+WIIC\=#Y$!$1W1`O7`NYEXB^JA:R.A
M4*KRL`V<("WMS04U.`/F-Q$:N=GS&IJT!/[UA^#1WVUY<TJU2#WWYN$M0K]S
MXZ!05O)@$!Q++>V]6&%P!@;8-&AD9P_\Q8.J>)=0@C^,X/(&WD!T;!F$=PP-
M^7GI8=&P`Q`X<W+/4U>RJ@QIJA2%DDDI0@A2W9+;<@LHTC:#&PE+NQ-4-7"K
M.WR@GN0]4#<EK)(+(PWE40_]?.&X@8P`:[D[<NJH/KHM(B\T2Q`:6BAJ/K+[
MMH@&;@VX\'HH5_<FLZ9#;=Z3N[=ZN-]AB56,0T^`\[W<%(3#WM0<4^R;L]7:
M>-@[M-L;I35!MC$_5M::MV<N7$=-NNS0=+DNR3W2Y*7+$2>G+I1/3/UY6;G.
MJ]`0O"<UFX%4V9OTHYUOG1I!-_%%M<#F!'CLP#?Z]M8@7XLG_Q:0W_A<O"HA
M@DI8LSD(D;VY]MKY-N#AZ^9!LGCO1?SR&D0I/7]<19O;(`N3@)SJ?0C3]39.
M=TE09B$Z3F/I3S6@Y2!$#J%2'!=^.D\G8V>^&)/U6CJ.O1EVDESI]JK%2?,N
M/]]\NO[/RTOT_O++Y<>K>W3S:?7E3CCU]0:3`41<9\]!0NYQ)R4U[X,H>`RS
MM**JIMNGT[&^,GVB9,F!2>%DU`V=:+>EFB1OS2V=\7@!:M+>9#:-'!LT;NJI
M;T&M::AJ,76G"M7&W:C\TD]@Z5U8>GMSRS1R;&('JIYL+^^2/C5-.T7[O:*B
M6U3UB[>>HIO.&XS!($F"S5V&&Q<UT>Z>?3P#-W[R=W^["PKVJ@%KMVBP0Z`/
MU'+$26);]<SL(5RN\U)^G`65'WCI8#X[`:!K8]P(WG51[]W<7GZ\O+V]_(#N
M[J\O_J>X)[U'8=W@S$E(RPA051E79E;:D76L<>F5/SSU<-HWLS>O4IPA\TA@
MH,HK6R#:1)G-:A`,/9O!062\>2O7,_GT]CF>?#C0FMF;/RC.D,F-&"]QA\J<
M3[H_A%_#31!M5E&T\[?A?P>;FP"OV>9\,G>74_8D_+9^Y`26@[HR1;:M39$>
MZ8RHLLBO5\YG]J:ZB;)C0%H%2?.*)JAJ@Z"1:K%ES"`?2FX;<KM[I],9P73"
M$<O<WFPN47;8!5<RZYJ?MDIR_4IR7V%1Q43WUL^"Z\=]=9\_:.8N.6Y']O6G
M1I(YJ#T2Z+:VA4U;$#R0V5[";-N;X23+EDY?69*V2L!)6Q**/'*A!1Y28Q<?
M3GT]M+1WZ._^N:='Y?GEK/G<WKP=6;:,ZW-^&BNQ3W*Q?RW%/B7-%6KW#_&+
M'T94ACA*-??WJ$_F6REF$GIH7<W]!.;>@;FW-VE%GK%!]7P?=0R:'KI0J.L/
M!4F!MC<M^YP:_W`5IK`*8U@%>[-(Y!FS0NOW4:E:[^^/_BF,@JLL>*&O$\^;
M0E8M`M_2C<ICOR[:2LEN:5+-YPSF$RZLS.W-SA#D1KL"YR;I^$2;-$*TE=2)
M=H,\,&KG882U00_W3N8<)A,"8'-[XY:"W!C3N-RDU:167JO2A%HJ"$WO_S$)
M*>U":1"EA:86V:2?E].5GX_F=P'F]D8'!3@QK$%[R&F(!Y(&<J'`_:474IJZ
MY;%76>[/6W[LF>>FS^T-Y0EP,I"2["'K4$&BC"X@GUS>!IO@A2X&77F.)RRJ
MEG)"V$E!*7K55\5!^\C-'7,($<TM#\8Q,6`J_,9"C%=])"]2C!I.ITPUZ+.F
M:<B=9XC>N)8'RI@8,*:]6*BI216GIKH/DI>/F(;/`4EFH]?HF[*T6R1KO[6<
M=/524@K8_I?EK"SR68$(BFMYT(J9">U^&RLE'OD0D2_1[_`M[PW7EA5F5&,F
MA*U!G;5-#^RLYG"*ZUH>,V)FPIA:8Z4(I&ZJ2*VQ.6$F).W8&6N;$1=F!")D
MKN51&F8F3#EEK`3E<B:AVJZCH+;("SXK6C:6E[8N.O:$K?RP<BQR],&IO&MY
M4(25!R,6E($0$#'\H5HAXS"?>J6LQ7@VS$P./CB5="T/5K#R8-1T,A`$XN8(
M6,Z&M64WG'IEK-EL-LS&`F8#PC6NY1$&5AY,&DT&>G()DU!G]UB<ZFO<=$>I
M0]9JS>6EK9N6/7FK?5IY%)#)-(<C;M?RV`$[%T:L)Q,I(&[T4]4BQV%#]<M<
MBQUMG"/()9K#^:)K>7R`G0NCMI2))!"^B8`U;5QC=GNJ7]Z:;6KCK,!Q]ARB
M):[EP0%V+DS:52:*<FF347/?XFJ=%TTU(;MDKFBL0.(ZZ-B7M^+#RM^`H/$<
MCKD7ED<-6'DP8T_["<FMZ;=8K9#Q6%*M4M9F18]F9@$A8!>.@A8G$#=@X<&L
M!>TG",1M+&(_C]>6PWIJE;$6RWD\&W"Y9PZQE,4)!`M8>#!J-?OIR25,4)WU
MWQ#ENQUB^O[J43W%UB;T(C!LY5TXFUS8&U00X$2G@>4G1]D-ZZ;L"S:1U)G_
M<21VM8^HVP'[*!?.C!;V1A28:-<M6GT$"&</W6&!"]++_4RXW)K-1N.FQQT5
M/0'3/K"<,')Q5+X%T=&(3/@2;(I+CYQ<BVM<BC%CP&`+$>9!"W1Y?/%-R)8?
MW#RJW4K"BG=-7-VG@-38:3R*T5$NJ)D$.0`(,ME>2*BYBS)3=@S'L>X"5LW>
MLQ]%W!D`BQI*O9ICL7>35/1=HJ*3],;_<?@RUG1FXA'`5@HD;880B\</";6W
M)J\]3N"!>)<&8EW+ZY.+,Z7;%Q*F;*]\?]D6Y8T5OK?'($2:G]6S`2<=C^3U
M+!P\O)*[`8[ESI8P4Z:<+E$"]^!2^5^E)0%'#':LM3TL[^;U:;<E,OCCPG\-
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MOC,TFDWS#86]YX(R+!G+IA"CSRN;H<>B'7K`#3G3+=@DA2W[8FAY/L[-8)O;
M"<PM'">-+4\Z$V3)5.:&&'D@S7=$FLMVU/T2#`<=F8^J)@O'+;WF7A2[.VV4
MU8HK-+6H@@-3F,LYS*7EN6S<S.C<90A1U+1W$*IDU"<)S*4^S`MI8PF0[FF<
MP33"6<K8\G0X;F:,.0N\E-6E=9U+JTAYH\LHPRN4UV-=TOBRNR^>]8UH&JS/
MG^*O?]T$(>Q!\0^'6T_\J[U>Y22VBSXBHX>C53-&[E".W/S*[L1>7Y:#`W9I
MS()$Q-*ST^+!9X+EC-G</C9C/K1S>G3VW]F,>DD.@!F.K<9V9VP*<*/[I)^?
MI-JF2HD;FNOH\_E\UG2E6M&;[S"(G`RW4EH_3LL_JMQXBO895/)WQ_:F/;`S
M8/"(JY<8[SXFYKIP,G^ZC]%MF/Z!_A&$3\]9L$&K-`VR].<SM%IG._S%ZB7>
M19F<B&H)*&D1T<88S]&D+@#B<`(XMC?C@)T!$W&77BJ\_`LA8<O/<C<?XR3_
MS6J#?^6O?YS/W4G3=1^E8M@^O!(!Y>&N073;FY>K,06[!97TW;&]N0`J6#.O
MD47(9-?5N-?RLZ)?=+-+7C'IJ8P*9Y`[G<I]>%1U&026-84C=GBDQ1W;']B7
M8<V@$1&AKS`O151^@QX;8*,8)O<Q@6R!6``L%JZQOBL#0B1IAA/;+'!!K*G+
M:NTA%C#+8P'V1]=5LVN3@>,C7971NR6'H2;!/(P=M`W,8O:R6T0@6@)/YN!A
MWCJ8C]BUPJ[RT<QF:U'6#&XIV-['[X-_!-MM_FN29$Z\N8DI@]LPOE)`,O'7
M@;Z&]M4Z0J@'GK'`'O"I08V/M^&,)!>=[!81_^5]@$C'J-8SHJEMZ`8+U&N&
M+N(D"=99^#4@)WQX_<@?OH8I3415L%/L$D\3)G)(^+$8O\ZEG\/20T+6Q-ZT
M"R6\#6#6N`@\MF'87#T<XTLU7-K\J^F`%DR[FRD\#WQ0Z_9B\F`)A.XF]N:3
M:./7*HO(1[M!*RF_M>25]H$,IW6H%S2PW9($82AX6PL;\C>/^B-^[3#$?$2S
M&F>E6\P6V9QHS\/0!D0VCAK0UKE:DR5=+7@5Q9V<3`X')U/FK24?@=RY'N*&
MK5..=%JO89#198>Z]=@(]!CD/$Q.)G6$DRF#%H6/LM)LJ#$+V%?<ACZ>ZG^$
MV;/(]<)/Y3OHCC/2&$901Z@DN'3.V!X8U0U4*5@XY89'Y=S)":3(&)D$(V`W
MP8E7C8*^X6%0PZT<UAO]9#A$Q^--[\7-XVVX\;%2HGGN89#FZ<6.,]-XC-HZ
MKBSBV?G9!W!;N^IB0.[P0,+4Y`22:T1X,@,O?L*\>B-4M!)-:N^7$CW[J^&D
MOGEWU;\0$_!IX/DL[(^^!:D_YLGDWDJ`OGWA%WSY`A,4/FR#TI$M?I%O-AQW
M.FVZBZ1&\GM&EQ-_?M;J(.AI7:Z*"Q$;>*K0M?B:G3QC)HR`,'5>\2&J[:[*
MWXELK)CE1XM1L`,:C?:!>8T@/`*/WKE3^Q,YQ!DS:"F$B:P0LHY?7N((D5U$
M]@,E_`=N]V&07$?!IP!SXS\5I&"QF6F\Y-(\J"006!G9D__&1N7$S^$*!3RW
MYT[M3Z#@YL>DM'/2YI$&R-D[;UY!6R6W"OL$1H^;-(#D-SM%/:L!MQW@Z3]W
M:G_N`C<_1EP@3J)`Y,E3[$630OI5B'95.';BC`WK=C65C'GYZA?XHFVU-8-T
M27B_RYW:'[X7YFMPU=]/HW>W>WGQ$QIX3XZ+Q%!WA]0'QU[0JQ]QWK5B%":#
M9L`H2#BLPO%"Y5LVR)::VA^0%^9K."O13UR[M1"N^-U,2L>]5N)DZ#M.Y25'
M!W"XF._'$L--TSFH01<"25/[@_H*.1W<*(E0S;1347^G7EQ>#=HT^\#*8?A8
MA`&T,KPH[$[M#^(KY'0XXRA";H>Y5'B#GY?>^SC7%.5Y[6RBKX:^)'5F(=L_
M-3((/NB]DALX;(773=VI_5D`^ABWV!@S,Z'`-@NDL2H3=2LLM9U:0(D=;Y4C
MN"``#V:[4_NS(O0Q;J.59Z9>U.B3D/.^FE"I`)HN_1*YUAB#YJ5')\C9V&>'
M==<UW#GDF>4/"TY/(*E#(:O6&'`NLIE,]B"U"23$>@!#;A.J!8QUE\RXD$"7
MOZX[.X%\%(6L#F^0N>AE,<$J*B%PD]S@68Z'VGKWDV<8NOV3(X7D-@?.A2P0
M%[)`9J>:<:.$<YNM-S,79HRY\BTZ#R+L,.V6J@LUAK]5W""#QH4,FMFIIBDI
MX=Q*MX"9?'$O0<]6O4F@]=5E8*)!!Z3[V>S';>MA#-1B=2&=9W:JJ53L[`UN
ML)E)Y<FM569;6V7-H`$=$E(<IK!U(>&.L0LY0+-33;QB9V\XH\9,8X?E4F.9
M2&&)]WX:;/)NJ43I*_C>,JH2J#"PT@".PU95/0XX.EQ`)L[L9#*E.!@R;U/8
MB6NR(NI??^H5'9WFPS`*NDQ$Z[K,X,1M`9DNLY-)0>)@R*`98*>J4OQ4Z&DC
MJ?L:AT/W9+/I*^#*38\66'"QSP`8AJ2Q&3C*"T@?F9U,\H\25H<W-2)D<Q@A
M;2FX(I)KTFI9"%P>2\<B%N"5+R#Q8W8R^3I*6!W0.HK0VV4W-:3BLI/<6*.1
M2*QKCZ557Z!2US1)`;NS#.,,+F`L(&-D=C(Y/=K8M]ER\[&BS)J+GUJJ`H(=
M!MYZ?:'&$>B6,K@*LH"4E/G)9`MI8]]*AX&/!W$G0DVMWA[VVI+AM(<0.0C2
MJ@;8)H`#\UTY9S.X];&`K)/YR60-J>'5'NO/13>'J1\RV5=(P(>P_58A7,2J
M=TH/7.Q80+[(_&02?=3P:H&]YB*8S3@K3/KEH+K5&]5>$DF22--@9IPH.8!W
M.WUYP!'25N8GDT"DCW^K33T?+R;-O_K#`&Z\6.(1V*]8%'D.G<(XST.YD,,S
M/YDT*GW\V^EA\#$AXW5H/11H%7C'M,MA#/Z,+#-@O-NJP'63):0DS4\V`8R3
MR>'=`#Z"^1/%U%GL;DDT:98M`1^/@>U>9KC#L82$J/G)YIUQ,CF@J>2CM-,>
M*K%W=^OG8+/;!M>/\@]JW0??L_>XTS_.G?ETKJ],G1::Y6!L:AKK@-<R9B&+
M4UK3P1GGQ=?F]N?1F9X.$TK$,$]>,1ZIR*SPZ;M[GSQT00A`E`+.DK::P:7%
M>__SZ:C&'8%>`::%*K``YUZJ_2F#IJ?#X"[#,&OUNO)-FHE_\W$7/!&:;H/7
M.,DP/66Y]>ERH>^22MNHDE!GYF4/K"VMRE48S^@JC'.#87_6G@!'1LPZ-UG>
MW>4OGR^_W*/;R[O?/MW?"9>'/QSZ0YBNMW&Z2X*Z2G=G^O+?&"A0*_QL+'8!
MH:&':JGFL%2@F5S[,]/DF!L"'EP4>GEK5#9'57OLB@H[H3Q2I<>EM`HXS>X>
MS\JYL')PJ<"U/^-+CCF3KI@,H8>61G2K=DC$5?08)R_4OWO_(_]C7:QF8WU!
M5D&J5&VW9*>B>4/%U6OE2#O@2,-Z+^V/FZIGV.S!C2*J]XYFCDU<K=<S]/"C
M_$+=T8N@$&L^7#DE//<<D`@*RA@$!2[3+NT/GZIG>)!##D7$M\`ZW6UY`SFK
M]3H)R/#7C[?!)GBA*TTL/TF;/I^X\UE3I4,_3;Y2E#GC'&/D-]V=R<&(ETX"
M%MQ97SMG-AW9FUW(SH!.X\1,A5=^A:X?4?4=*C[4(II5!43+9;,BE$,X[8VM
MLS/`()Q+$,XH>/*S8,.O:9F)J<DH5IVO6&*"A"2'I1E6N&BC4U"=4Q%41T10
M[74AV!E@UZ*;>+TC1I=:;AV2.CN0U*32IG%2RBF]YG@@Q.?<PKM[(7&08'.=
M/0<)"<,DP7,0I>'7X"I:QR_!Y^#E(4C.IW,J':X.UYR9"FD`"#);0P)3#^?8
M(.:WVQ?V8T.()7:T9$$BXCY+$.?5VB':$.VU1)_B-#U#7P*\UX45Y]SA<DN2
MEA,J6V'3Y(8S]C!W[(V%"'!BP#'G(*<7%M`"_43@\;,H-#:;$);HQ@\W5U$>
M7"\D9*'O59S.D24AP,54*?:=K<;.8@)%!1>V;T)Y^-`N\AS$>$5FQ]TN>=WN
M4F&1_J]=FM'<D_NX9?R[9S\)'FC.+H84QA/U#5?1YO)[D*S#E)S^$/_LFBYE
M>CY;3/7ENFH@6!8_!F:P@IWZP5S'WCPQK3SKA[,>PKU:Q[0>=]DU(GVC,"K2
MOLX0[?_=`^3)UT9`?K1!Q1CTK)4>$^3#V*-#].S)_DPZY'BCIV$P:IOHK<6%
M8[O!U\Z]F>VC=CX\4`FP7BCX3CH(^#0#'O8ECF@_N1/CC!;Z,NF.AI-#)0/U
M!::./QW/EU/PU>Q-Y&&@7+>-[![>@S_GQDG,P_T0?@TW0;1):T-=^.GS^7(T
MTG=^T3:JG$2R\U((9FN+V<SBI\48*-<MF-W#>^6?SU!=1O&_\#>"`GI3''?O
MK:N^++".@16)*0M'1Y+:T&@VF]J;F,5&O#%Y;:.@+K+E-WJE]C"`_0;$]CC4
MW=%J.J8N%5Q?7CAV!TNX^#`4^.:AR2._19N\!=H$ZZU/)!RKYH,X(I^@7_YS
MAY>).-!QA+WM#_&+'T;GSL+5=\;5.*2<;#-R40AU\^>SQ1A<,\M/C!BHUZV.
M^TGPX!-4?H-^AZ\X_=LO00:Q#1+9.'<FX_E,V\')WEAR`ME'=B&)^]\1R$\@
M%NK8[1%TTFWDA*"+`H_$AT/Z5SYI:PO%D3%PG]>/]_[W&Y(!&D>K+$O"AUU&
M$J[OXQNLC*/LW)DZCJ--/B6IDY-H]5-38$"V9VHH'5A[N]/N%'-J!&=J:?8@
M>+W>"UZ'>?!Z2X+7?(#=]YR*J.YHJ>\4KFE$.62Q\5"@I?%K#*[1$HZ5[,["
M8*!>M^_23X)WL($4/)J[#3+L[P2;2S^)PN@I+5-M9OH./9K'E)-/5CX*"6WY
MWID[L_SHTV[?AHE^W5+*0H17?(2*KP0E]2[#FU@2;#GPZ]/5]S`]GSESC04Q
MNH:6DUM.K@KQ[6[FN`LWSU:TV]?@84.W,'/0<K1OQ#)-OA*5Z$\8'U?X1[K@
M^IYQ/!Y/D>QVT'\DL-6W>$KGN3FSMY(;$^W&1+.%`*_\`/U./D'T&U%IS"/2
MS_$6KT@*HEX6Z\$+K"]BQT2"(IGEX_)(C#N;T^T$/#ZWM+<@D3`_QL2=@RCO
MXOK+W?6GJP^K^\L/Z.X>_X=4C+A#UQ_1Q:^K+[]<WJ&K+_@/UQ?_\]?K3Q\N
M;^_^![K\C]^N[O]3O&[1$7$8EA,(4E3IV6H!<CBB+!I8.*B$_^AKFJX"&^>1
MW0?2_<2SB_5K@+G#6S,_R<3.*WJ)\=[[6U*M3J%`.B<OD`ZC0"XG<))CNU?1
M1SRO0%Y&@C&^7E(DQ/$J37?!YL,NP5N_&TKFW_WM+BC"BK=!&'T-((ON!H^!
MEWOLZ/0P^$E2(-'RD[`G\MS=+>:6AVIDV-+OC@C3EN=O0F,$K1$T/T.T@S-4
M=('J?2#2B4FT:8D%G1K:CJ(^0MU12Y['F.T^Z%;!GI'XC@)"O2_!-Q+2(7F"
M*4G*3E$(L"37W(/:-8RTEG/-^U)/$OCI+OE1/[6?3>8:'^X^'E`.0$P<%/!H
M^A@KOMD<W%B[DUO[B==M6'HI\(HOI$(\>\-0R*S6\&K519QFGX/L.29/K+H:
MTUQ92%`HM^Q,-DIR:_/E9&:W&\7#AE'I[J;E0,Y+UZAH0!*\TPQ!&YW"KR=;
MUC;I/TZ@96D_G8-%!>WDG)!R9V:(`1(J4FJ%B*LPD@)&7O$HS_12J9]AQP;C
MXR?L[IR-1J,SY)RY,_=L,1K1.Z;CA7LVQ3^#VW.&\/^\PJ.FVQ^<J2S_\)/$
MIR4&\]'/)_-%8]&%E@)41QW("3X+/860'W]+9ABB*.[2[D!I+^VZM7D?`5[^
M`:J^4"99C+7-S(G6<0VSHX\=R(W/'P=9VGT4R4`]NWS)52_K)Z5!TCBKDG6L
M+&.]1W.B=FRKCS[.KV'D;V`O[0[#,%!OR`KW4^+=KVYOT+=<W)+R0_23<X8%
MXFQ6VE1.*]I[AU3SK2VS%V+W1;B/&*A+O)A.)B.*@JF]`7015@P(MP!9'1>W
MBB,S_EM;%;*N'W.PI;0<0DJ'Y2C]W-Z3;-(H!X55YFAKHS$FV\W3R.T56SXF
M=#N6S)1XU9>D`G3Q+937X3RG95EX1J]S2-D\]D/;6U$_"L\GQ'3'=@<F>-@P
MY9ERT-0BJGDIJ)337661!-=Z63V*K;4W<F$ZX>AC;'?M%@XNC$3*V.GQ2@U:
M>;:;L]RAE3ADA=&*$RUZZJBO*&?'R`I/5'M9:CQ'/6RUG,SL/@9@H-YHT*"1
MA*-8P5U^JEE\IT%TM21'#"NZ1^JXJQ5-!H-L\['=I>4XN#"BCMGIZ3_?%]/-
M9&>WBC;D/R2U[ZN_I7=:BBSJY62AKQ9<Y]!R0L[)5EDDKKO9V!E-\RN68[LC
MO7R,Z%;;7-1X%ZN[7___[;W;<N,XD@#Z*W@X$=L3X?**U(W:!T:H;+G*9UV6
MUW9U[YQ^V*`EVN:V3'I(R57>KS^XD!0EWG`GZ.IYF.ZV@$0FF#<D,A-@?GT.
MSK\OP,7M\ALX7]PL[R[OE[?_!)?7=_>7]]_O+Y?7_"\*5^-3]7;HQ!D--`N`
M]#=2!:AMEHLJ$/!`879H@Y64;F2C%A\2BD/7MOA?"E/DO!G,SBQ*O!]C1:/D
M&%&#F&(]9Y%N6+;9G<;XB=+B-G&C1V];&&]L_-<H";97@?<0;()MX!>02?9,
MY`PM=6==.AP$+W,XZ<P[\='-'TULL_.'F.A0;4%8D''3P:`PNF`X$@'+P<@;
M2LR&@3)0,AB4\^'Q;S(BG;YML^-"?`1I,11<J+FI2>"S`?MCC34>JCL['*\F
MA:<;<#_BWN+AS9F,4P-K=I)<&^J:]'3=^CG;\1></T?Q]MZ/7SY'<1S]0,UT
M"BT+!NJ8L6%A,;YDHBBORFJ8A+?<)EMN=B84`Q6J&9<>%??NZ_+V_M/]XO8;
M^+R\O5W^<7G]10)#G_L/Q>?IIX.INK!D]:*2^+B-D!(/'TUPAH[9)\=FQ+5Q
M:M7J+O[U$W0G7@#Z7<#7;?N>:LIE.V#,<LEKY80IT0-IAH/9`4!*"K3XIW2X
M5&M5-HZ]BL*G;*%<>0]M2UU17]6*8LQ*1T/&J96C;6L\'I*BWZ'9.4XTZ*M6
MIQ0XN//SW^?79XL[$DV[6)PO;N=7X.ORVP)<+>?7X//\^C]QQ.W+]_GM_/I^
ML3@'_^_WZ\OE+;C[#KGY_/(:]V0Z7UPL;F_GGZ\6X!*.NEW<W<._?5Y<WW^'
M_\[M0A1)*.@W>VJK>QR@<DUYK-]$1A7S%\9;0\?L"_I&O'6R^_'B+OI1BN_0
M\BF5N`[Z.;+D.%2.3RT=Z9PY-#N5CXX`+6X#%2J:-#-K:4L>?IL_1+OMA1?$
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M6P5Z5-S+ZS-T8+F?_[=`$*ABO>+YWE*8E=6TM'16;B*J@9D+22NS0>^8^!C[
M#ICW"`67#`%PC!SGA>Y3*_%8NN;?DF_2.`TKCS0V;78R"@L96KP0!H0.E#)C
M\-/W$C]9/E[Y2>+[E5_>'C@*0_-MZPL&13G(RP.D[7,'(\/=;&H:E(?R*1%Q
MR4#4UY<,E:.P&?A`3;S?&#8OWP.TS25Q[$D:-3,[28N=&#WW`ZQHN5>+^=T"
M0*W^[?*>XZ"8+OCJQ]XV")_VH>W!4%UDL691*:S=3LD1/Y<FV-9D-IF2#38[
M?YN2`DTJNP6-,J<"SD/A7BR6C^BE/C],<.>76W^#&FNA7JND-<8#JK*^\=X/
M0_O69*BN;[L8;K*NL>3L2_DRBPNN;4VMM-O3T.P(O%Q"]5UM2<#6Q0^H(>F\
M65S?S5$E';BYF@N4:E.C][F(7N%`/IVI.TT((J=)3FEWAEE0:P"/[9'AU7M2
M"#1&,)NP=`O'&7C&*<(!*2#</#]K/O8)2SG(H(F4`TIB3S5U@A]!<,N5A6*`
MR:$@;5,W,CL[5C:I6HYEDI&N-;9L@OHEBM8_@LUF'JXOPRW$.WC8^'-X<"S>
M0N[M_6BF[D3'A(J8$`I2G8D<(QCT_<A19F1V>%J(+M66400Y]_+Z?G[]Y1)E
M,\[O[A8"^554:!0#CM.ANAMS-F0TR$X3X4S24S!\]M3LDQ\7/49(RQ%2;C8)
M=QK:3P-DGIP@.2\;*?$(^R`_)8>/$1#6A"3F.S([)"E&F!9G3@C%LA5B[341
M!V\>>J*IF'4<KK_ZZR<4.T6O-QVUNRBT=IC,%+:EX$9,\%`E<T?VS2[X@=K6
M=.2D']SL2RR)5"J/B4A#U3U?W%[^#@]-OR_`U\7YE\OK+U*2[CDP+-C>T=`R
M232E=4R2N2<"PEEHAC6=F>U*2J#.0&$\0M'=@SC(^$=.9PH%[,'(\3JE,*.B
MYF6]%M"*1F<"4+&_1'H"&_S$DVPR]80AY2'<8D496\]&X=H/$W]=*(AXC.(7
M'"-=/MYX,404Q4V]\'T9;MZK/#EKK+!=LS!^8E*J8G_R+K;BL*%_-4G[0HS-
MOCR03ZQJ4RL=8_=F?@LE%%\>S*__>5`L=+&\_49N$[C[JW.C6Z@(M&V%3P^(
M(]B5+#?LD+@P[X$/(<=^4"$^)M)<X3W"U,TA@6*E;`X+W?`3:"`%!Q`\28WA
M)7*LFI;Q'TFFRVWF)0!'OEL:`1F;W6M%`;5:7&OY>%,9:C9)_J^=%T,:-^]5
M2%9X#J/A2%T*'2,R8A(J3'DFC:R`H/,UG9"G]<9FY\8)4J;:EHJAY]XMKA9G
MJ*?1?WV?W]XO;J_^"07K^FYY=7F.6QWMI0O^]YS;_VW$LG"Q-T8/?'4B69),
M'C>A5()4!#"U>BPW)4(Z%9-C;-Q\=(U;R>\TLO*'$L?01$$H^7=T`$@*X(ST
MC!^;?4#CI$B+G\:'&Z/Y8!.5FSAZ]>/M^PU$>#L/U^AAHU<4FMU[(_9$7>IE
MZ_)B\L%!7289[5-MR[:'J<=L=GTT,RVJ#04K0N[-[>+;Y1UJ.71]#A;_]?WR
M!D7ZN3VEVO4K$Z'&ML(755A0420,=$2W"D8UF)'A]V@\Y'0F'O4XN=F<$X!G
MX<OL?)Z<6!P?`REQKDR7FI*CQ00&/PQ%<L?'9C=&$B%+B\LE@&"-T6%\LF/U
M[*]W&W_Y.%^M=B\[7'*SW#[[,8K'Q?ZS'R;X2ARUP;F*DN3>>]@4.6HR&BE\
M=$8,.S')DK\U^6LAPI"GJ`W4S!K.4-G3=#HUV[]30J]J(Z<":3<#BNZD"F`!
MA@L.`(.T7=IO"/8_H%E$X`&W<=R3L_#B$#U6=>/'65E=L(*JYSS8["`N92ZV
MU,6Y.;&2)=BB6U$6:$:(TZ&-6Y<.#6\P*(=`?2(K@.6!C&9P``1$2L%/`(:%
M_=<46O>RJ>9AK5[*9OEI+DZ(H\$0=;[%SI;95:F2*-3B[\K!U2W+94=NKV+)
MZ[/;>R")HE#'EN4,4W=J0MPI<VOUU!"K7#Z5H'U@3L^>X9I^`H(06M;5,W9X
MHQ`%@"C\8;0BFY1_WB5!Z"<HB_O:V^(&$VDCM2A,;J)-L'HG_U_(*)LXLZI@
M:LV+.NPKB`FG%(HRR\@!#&?AI!$(<^5/#G&JO55A#-T,`H`@`($!EH]@#P40
M`.#/])_<'JH(W^UO]C^,*.U)XI<ERT:?<SI(TW#,+H:501Z]/*VC%2Z_P>`U
MR%4)UW;).FD0K5/&%&(O>8;+H'^@Z.^;MT&51\>\-W%&ZMJD4*$@F`;,1V6>
MZ$LUW1X.S<Z'8B%#M?UAP,5%@W#(`_]+87B3'*@4`S6Y\J:)03G?G>Z;0666
M)B=,S8XK<M&C)5#!@YE[D/9T=P__@=-`EA?@;'[W%5Q<+?]@KOXLG;RJ?9.I
MY:C+%:3%0K12A)?6?3D()03\W4B]KN%W9[PDZ1$2/N3<^=G9]V_?K["8+.^_
M+FYQ(<?MXNOB^@X535\M[U3+B:("2B/EI*(4DA+":#P;3&P4TK&'8QS2<3Z(
MN%13IMSG$D+/K;H@ENB!P7,-!+'&)YP2+]E#6V7A<>W*HK+"0E.AK+!^UG!@
MF1WZHL!>/9^WH>`>#-',Q*HJ;;MDXJK:V/I9R""/2<_DB=D%$RQD:')ZJ!%R
M;VXOK\\N;ZX6=_@0D!\/F*M3]]UI2F<09SS6T7U)[CF8A9YRYZ3J<Q@)WQE\
M+\A&A!9FID8']>9<W"[N[L$M=-L1*]_?SL_X.W36?G;%7?ZTLW%#A[[2G!%Y
MT@DZ>V9GG-"2H-K-H,2CT%!/8L#R.('E&(/9P%%7EM.RN!A7,U.6L7;;Q/'$
M\/Z2=`2H9FLJ+"IRH/3SMA*?PPC>+GD?;1.1N1S9Q%R:?0G%2(D6/X0-)W<Q
MO[V^O/YR!VY([/#;\AK<?9W?+MC8_,(+XM^]S<Z_C[TP>?3CZF#,;#Q2]Z@A
M'0YB3,]+9\;[E/,G(\=LSF>B0[669T'&18,!'@VRX?*T/2-[*%'Z!HI!R010
MSA].1U/#W_ICI$2+"6##R87'S^N[B\4MCJSL6TSPO!MQX<,/Y6V^XK16+_SL
MA7_=;>%:]5E@52?5FKPV)N""_"U(1\[G3'!PZA2Y`Y^8W>%6B"[EYD``.3>=
M#-!L@*8#-!]@`!+M!!]_42:`FB\HY;1/)D!9FB&Y!Y^8W6M2D#)Z:1%+]A1#
MDUMN&%,\.?EM^D'DINQ(L<"9DDL5\IKVQ'"_2H@P/6Z6"(KNQ>)\<0O=K*_+
M;RA-9WX-/L^O_Q/@-U<990+W&,,XS,/UE>\E_JV_\H,W5%24?/4WZXLHO@S?
M_&2+.R]M-M$/-`&E=4?AJQ^CSF1!^(0`I-'?4VLP4/BNN0*,!<51RQ;F0JM@
MM:D],SN?2!W1ROU)59B[*>038C!15CB&#@K@3P!:X!,$\2G(ES@!^2)XUL$R
M&)C$VQFELJ$F`O)+J9>R3Z!@-62\+-*HTC'\:*J>>CW>A7(ZW/G5U?*/^?79
M`EPL;XD/@O*%TSY89U_GMU\6GY87%^#F=GFV./]^NV`-!['14.!L=1F27#AI
M%?_:;>`4\+W),3L_380LPWR`(FX"5KXC$W[,@"88:0/D4-30%I3P>$PN8,W.
MX9!"GXG&LA)3%QE`%0;NSMOX!5Y25WS,B(T&86HDG4F,"I"@5C6[%I./("-,
MV#%6C,8K@=,UFZTJ%NO.8'4N77Q&J@`)GQ%(?M#$[-Q90<K,,4RU.!*3!+XN
MKL[Q$>UN?L68E_4EBM8_@LT&+GX9;B&&`5QWGB1^N0+;&DQM=>\_T",B)CA"
M!&<RPP#$L2=FQUV9:5%MAU@1<K,)V/KLIP`R1YZYX6$=)9;&9%DIV1<&(#CU
ME)1T3<V^L^<G2HM5X48/U1[-K[]<?KY:<.5WD4+I>^]GB3\L:Z9.(.J6%6-_
M!F(R9J^=@DN\2#^YJ=E>$RT)6AB9$AG(MF?HFOQ^_M^L(>CVCZS$W>F*8TNN
M3.V4V2!KAV!VF2<=`:J=%BHLW/2A`3A,GE=R'+4J?G1G-E;(P37KBK(P/3E[
M'JZ=@XZ]AK-O"^[J.;<9`?=2P84#Q5=6Y"ATQ;05KD+='!QV3L_X?67>(QHT
M.0MTV$!OX??%W3UN&'>W./M^>WE_R>HV7`6/_IV_W6[\%_RB>H@?'\QS+^RA
MK:[W5>/:8HS,2E;&S"WS!HYE=M==*OQ5:V(:)%PT".Q'@7R8/.5,R01*%'3W
MO%U2U,WS\/F9/)<Q-3OQB8D.+0J;!2,793]_6OYQO3@'5Y<7"W!Y???]%B4G
M,3(W2G?*0NW)/M:^C(.G(,2E$1>^GZ!'`:-=N$V6\4WLOP2[EP2_F!+[*XAH
MLDWNH_GJ7SOXWP<Y=_9XJJY^627J@J*E=U-SR52ZK&6-#1=H#>0KMWGJ:7#Q
MG_97TTGA;OH$%!8":*43D*\%OSW(5CM)GR%#"P*\(MA&(%V39%3+L[]:I$F-
M^?[%5539>5"Y++X,3BN&S,YXT;D->EP7?03A2WYPL6`]HE[[/^8KO'H0/MW$
M40C_=84]K9I'5ZSA<*`NKYH5'3%QET!\)L+LH.RAX9G4O"2I]@8X\7+A/+"?
M"`YGRCL8\S.5$F/;%XDJ&45F4/BV+ST*FAU($B5-B_$21-*]79RAV.G\[&SY
M_?K^\OH+>H'C^GQ^>\YHHI:/CY^]#4J`NWOV_>U9[*^#[>+G:Y3LXIIV[=9P
M;*D[8K,C)"944C8@$RL>8/9T:':-`3]1JHT5-V8NG/DIG?H)SP5D,LAFRS-9
M(@RFQ&CU2<)*AHL#&(YBIFU0S#9=XL1I,5[":!Z5M7Z_OOA^?8ZBRNB8A3I<
M7N*K05+D>K6XOT\[GYW=+LXO[]G$#QK75S_>OM]`A+?PY(<>N'JMO"<>VP-U
M-X:T:(B)F@"QF8`Q@!@-S!8G5E)4FRM&?-QL/+1%:`:.?^9SY!DH=J918I9,
ME9"2":(&@94>R9"<F)W!QTN2%G/#B9Q[<[OX=IFU2EC\U_?+&V14]+T%3=?1
MK$]/09=$X=9_0H_81_'[F?<:;+W-K8]#J?@@^SV$_(Y:;L$C;CHPB(+D\_R<
M=*8C9;UCLP\_DBC4(BAR<'4_?[^[O%[<$;FYGM]_OUT@YVMYL[C%C_DP1AAN
M_3<_W*&:NN@I#-#'O//CMV#E)]^\T'O"V*%`_:DUL4;J7D6A14-,N@2(W<L4
M-8C9P.SK<5925#M@C/BXZ7A0F'`"LBDG8#\)WUN+>V+LW*/$$S-55"K,#R4(
MI.'L]/AINKWA(TF3@>%"SKV__7YWSW%_BE_'^.PE_AH]!NJ'"?92EO@+X<*Z
M%5PP>/.19Y@G`DQFCKJ2"PZ,Q*1$SA9D`L,%S;%'9N?`"U"EVN+PH^;BJ9\>
MT%Q0G'P"R/2TUCH%@$,$\A*@A-A.B5'JE^253!4/-'R>);T`IV9G,TB@3HL!
M$\?3Q=V?/WV>WRW.\4/NB^L[CB=.:V,:!P$HJX-XM.HX6Q.!K1&V@Q#IT.S#
M#ST1G<6=CS%ICCB#/^]1?IV"0',%3^@-,7?`]/1AY8,`YRRMQW#,[L[!3DRW
MH>0ZM-R[U;._WD&NCQY))CK*7C\0"]:R6XB^GVQ)'3KI#H+_L/B)[)&/TE4W
M^"*U6,$Z':KK],^!D9B4R-F"?1$O.[29,S3[/H:?*-6VA!LS-QL(TA8,::LH
M\K=T-MA/A]:&O[1=@,$4%;WW2<8J"N69H>''5&93<ALW,]M8R2!/B_F2@.B!
M02N)7Q2"<_\U2H)MPA@O2*$N']/Y5X'W$&R";>`GV&L\O$VLJG&HN1^EARQX
MW!>A(#_ETP-!GV5,0J2&/R3+3Y3RZ!HO9GLI6#YF'`\*DX6/.CS<1/ETH,D"
M47XTD!X*>;!N-DU];\,#7@)DT4N%V'.!`CARR`?C*X$\W$674&.R?)3#PM1`
M4D,^(9_(\`L9?JKTA(&Y\3MPG](DZ`3]NZC;]`WE8F$$EH_WP8N?P5L^+D/_
MZRY<Q_[Z_CG:)?#8M(R_1=#%*_-8U;L%K5(BNK(L*5*P`V4I$UX$L<,D]2/,
MSGY61[0^MTXRY@=F;0\;_1>"G@LQ^@-<`*0K@&P)L(P!6D2B>RB/ZYG=QX\G
M^$WNI^@JF8]$>M@Y9F<1J21;O_LJG88#*U[0`]&Q'H!_^'^LP>!D,!B@5C0U
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M\@8=*9HM`!52U0H?Q>-O_8VW]5$>X6,4OY`6TO#?P(4//XBW`1>[<)V`&XC.
M,ZZCPC'\[;,?%T7I<Q3'T8\@?.*^O$N7^QJ]X":RJ,I^OG[#:'Y^_QS#?WF&
M@[Y>?4:_%!EPI/"A'5'T9$F?M,TI2R<G:,1=,U+18WB76-FD:I9N*4C72W\&
MJRNQ5>S[]5ML#WQ'6<3]S^9A<SH:.Z.)<VK-+!O^`W+)<&1N@%`#Y2H]5?7H
M'XAW9K<1=/RD`T!03G))/P$/[X`L@H?#9?`(84_XP@OBW[W-SH<T%%H;?HFC
MW2OT#`JU#%.%C^C28B$FX_RT9A:8&@+6Y.3@/C-71D5(TF)1.9$[%*T@A!,#
M*%R78;*-<124T7(R,XX2`VFHD%3:.UHHN7J<SK!ZG&+U:!O\!+M$"G78+W$T
M700"8!C$"A$P@'2/S@!)#,F</4-B_.0R//<?_1A==GL_*S.+JWS1UJ@]#719
MKB0G)>7S'A4@VYH-!FF]4U\NOG@(TQ>@Y,#NX*(KG0\-#\@@``RB,VEAOC`V
M5UR:+HMI(.$[2OCI'/+I^G+!Q4>:_HMB+CRYI8?[DIB-YUBOB,V5GH;@(@V@
M*?YP%JF;FO6E'H"+,LVA0QX<#\X[!``(0G`-_;.BY(!YDOC;]#G*?>$/M^A$
M+Z]1B$Y3RT=2F`W72`NJ/_NA_QALC[C/F@PGZAK="F`F308E;$F%0+)#G=KC
MOES/<5.GT0_D1/%0+G,@I`,![@6"I#+K0?!;"NH?,KU#?H94?#?71QEM,IK,
M4+'G@T-64)5_6%D]HE*W,17$]T"`,SE%]^Q[\>6WGP4#3PPS>M.UMI0:,J&C
MPW8R825+)D6WHJJJG`GBU)[V)63"19D^6\F#WH&847BL4KN4<'&>8N/8)R%L
M;.W``A&?:89$]?:EUDR(0LW&4`175@GE%<?%XZ._0HV(<VM]ZVUQW_UP!4'C
MH%29$:<Z,I+949,EF%(VI2R=/&"ANNY+EC,_>?J,)3>.AXYI!J5XJD2`P"$D
MB693A"45V\Y^RFF#%>4`BY6W1<*#?6G8($ZF9GLJC/"!$!^)ZF=_^\/WPSPQ
M[&[K;7?HA;.]<.-FS'6BSYT:ND-/XWT+PN!E]W*+[H$V-]X[SIFYB.+TP;SP
MZ<KWD@J7<#30DA_*CZ.T)%&IVU21X"T"?SHT_'U:J73JL];BR!XFIF%P((4'
M"$"00<1AIAPF($`E6G`I'*RZ?N.#"'I3)8<`?&1-QFFLLB^W/1+IU6SNY6'>
MI`5R\8<^P+'T\]<X5CW^<[>%F)$7@)(Y\B$@PY2]TZ$.@\Z+H+PZ26D;5%5)
MR0M\:MM]J=(2)5*?$1?$]*@LN>ZE.@PO?:\N.0$92*F%RZ(\J[RTN>]"W5@>
MS0D<68+)B%B"#R_<1\1J-MB2T#Z4>"S7AX]/YM(M+LJI]9__\.)U$5&4?8^Q
MGR?)[H7\K2))8:#55O,C*U_$I6Y<D[B++#2UQWU)])!)<!>V71CK6CN?0@88
M=,G0Y_!!80$E5E\&QVOS`#Z:JJ#R#`06PA9H0BQ07^[;5!#>F<<@C80#/5*8
MQ)^O$@=O'KEUR*M9#T).*A^!IT1#7D8*([%5*2C-(*:C85]L,ATI.C.]*/`Y
M2AS)9A1KL:5F<]$QC/+T+9.DHS%!JQ$$5&7P&Q)5UI_T2!:2M*=@,2!7_6(A
MOOJ]^^&]"M3MA&N4R+PN%H17>#HZDJHH<)&7]\]#=E6F/P6<J3WIBUEAH$>?
M;:%'RLV''G4FD%E$P\`YRLMFS!28QM*8=CA8\TV)YNM-)38[79K-#3N&[H$,
MB9N8,R]YOMA$/U#ZDH_?FR]=D=OJ.N:P(R1==M@WH$&`6H%-A\.^I/NQ$M6!
M[:'#K&"`T`2`9H!\B@HS1,U3NFR1L4)%8Y7:@&$%F>9N?#CA.B*N*_O$AJ:;
M#\.EU+G4B9LKDD3;Q%95+XTJDZM&=*1+%2OQ#3+5`@KJS=XY>50D=6"D:/`J
MF*@T35RI?:)D)%W6R4@I.K!,S&"P/G2(/C0WU5N4+.762!#!(SN4IFL*7.[\
MU\Z+(2F;][QG::&_?T5R\52#,6+`298LB6U#V2PQP9L.K;[D4G/0I<]`L2-W
M$._.IQ_T[]T_=B'/;'%QFV+;U1>AJ[%B++"02AWA-P]FEKE5_U)HTVC/^+%L
ME<)S;^NQR=H\W`;K8+-#]UYW_BI]^6SQ<[79K?WU!61&E*"Y(RTGEX\++P[1
MHS0W?HP3,N8OT2[<GDX&EKJ@AA04Q411T2YEYE`.>-NR40H4XI6AN=*JC%XM
M\1$5F+OXIP2$T18$(8&$6D2N]I"0O/LI+`!=6?3;"_QS@F9J%?BK(/0OH6.=
MG(X5=MN1A62G4E^_59+D/E]@BCF*O"H^&YD="%5&<Q_DOQ9[=S&_O;Z\_G('
M;A:WX&SY[=OR&MQ]G=\N_H-1O''+GZ_^!IZ6[^-=@JS.1%U>56DY08EKQSZ7
MG=)0M*,S4AHR,ON8V(J['EYNP<+%?\2M+!YS#S/QX[<@>^O,6[\$89`@'("'
MH;$Q*Y25%S]&<&^B>/L8;8+HSG]"09MO_LN#'Y]:@ZFZOHIMJXNQ,CMM&6>W
MSK2MX9@\WST;F>WHL9*B.@3"B(^['P_^)",80QGG0;+:1,DN3AN>9I5NZ1NA
M9U&R3;!E>"ADMB?SAV0;>ZLM;D&D3'>+X28F';+W)9,=0;A(`8Z(4;;-C=W+
M)U2+O9&*LGMWOSS[ST^?YW>+<^0OW2RN[^;WE\MK1G]I\:]=\%K4RLYXJ,SB
M'"TF)D*MF&<R<3QP/!V/B88SNWRI$6_5EJ)I<3?_D=,J5#Q7B0N9;CSR'MCI
M<#*K3/&N>=2D#9X8HW%@F[_)V#IU,',,?E".B0;5+$F+B%O]8&E:#@M'DP?C
M5+$LW3L\IK!L^1E1JETVNST$-0U:[#XM-BYBS3>5K$GYPIHIO%E^18UN*\T.
M?E#30,^<8N^BT2+DWC_[X#7CT?J7H8FB97SU++W#"Y]N_94?O*%;P/EF$_U`
M"?\747P6^^M@>Q4EB9_LX\JV[:C+>>3!2%`RI.Q!+BL\T*9CP]MZ"5"EW#_A
M1LW-IX+]W!.0S\;]-LE\0`"`/Q$(@&&P.M\B7*;FA?5^25K99>*`EEZ`I,%F
MLV,M4NC3XVI)P-2=7UTM_YA?GRW`Q?(67"WGU_#_[NX6=V!^?0[.OLYOORP^
M+2\NP,WM\FQQ_OUV<<<8=&%`\QX*6O(<;=;H[]%FXZ^"[9N_>5^\D6X?X=/R
M\?+EU0MBY`#@-S2K,B_K/#U5B&@33^']X1!BQC41>Z65\Y;9$2=M>V"0*18B
MI-)P%^SV1<ENY\N1WPH+@OV*Z(7A_9K&Z1;*",<OJUM$'`2V-5/;13HZ6>-?
M4[F4-L$T5T.,''>O,M`Q8(4!H/P;J#+\O<K8P.,W8_J!!E&@C3C]LKJB(L:E
M:M'%SZT?KOWUV!GCQ^VA(2,W_9;9_9.ZV1!MT;<NJ&L-.)0<EY-*SR550W6>
MB[H88'$K+L-U\!:L=]ZF4=RJ6GG(54?MB'2BCKCV1U`;4:R).-)./6G#;T!U
M[8&AQR)F0D2/1<4%NST6L<B.6E_G`R@7:;Y.^Z*IQ;-)/;3A5;,:=\%PKX:#
M)'%7ADK;F.?**(W"?`!M(RL*T[YF>F(G^7'6A[D_%=P$DZ,P[.0<16&"HLX0
MB\+D+[3ZR8T7K"'K6@H+EHY6$Y/B=M0SV3L>B39W3"I`QV8;YQ;,M7!Y,PYN
MVC=IZ_T$KVG6."L+D@;.Z4><CM457127$F6^1J3WG%<8AG/H2:^VL=EZN@EM
M33Q7BX!['Z'78(.L[3<?TUWO4.8X*H78A:B(]#+\XSE8/2_@?VS?2;\B/\'F
MG"$3G`JH&-_QXITQ)-U\N./VE.RX979!,Q<]JB,=/$BY9!+R^[-I\&P`\$1`
M9H)LJE)6IPPDF,?KY0,^%0!RIK,=8M%LLTLZ.2G2=?#F0P^G]H:$_:-'L,K8
M/PC!#\S^6_B[3T0@2H$`#W>6>TB;<B>XL?T:_L)X5&;D,;ICKWFR47),J.:3
M8\B,7-S89H?)^0C2XLQPH9;9@X)`\''V'60KR`K6<#2UE:6K'RXFA[5K$3_F
MX6R@/9F8[597(ZS+&SE8M<!>Y.]RF$O)J4T'<]4J2#(PE<ZT8TP_-&$-YEI5
M7C4.!>;#WX^],^PR?O+"X/_PU#,X.]H$:_+Z8+B^@2MF'LSR,6_/MV])FQ>U
M#Z<*&^=)05&,V17M4B8B4L"GO$%N;VVSDPC5$*Q%()6@[G[^?G=YO;@CM0G7
M\_OOMPNPO`#+F\4M;@?!6IIP$R/_?ON.'@_?0LSR4O^KO`YFA`X.JF2V?7TQ
M@>2A+Y.V]KGIK0%YLLCP![4YJ-$B)^QXN3>WBV^768'.XK^^7]Y\6US?R^+\
M[XG_N-M<!8_^J36&;*O,A:?`0!'S-Y+8ROX'L^$!JI]L7Z9"];&`'A4W&WH"
M\&#<?2X??@+(!(!F*&1ZO0J_$Z:GU_F%V4@;#4A"RLAL]XF#FFYU?BU>;LKR
M&V:6WV<*[!WLD<K'DRH6%.-H*@HR!JX:;(UGCMF/'#5@K5HKUR_M%GX"?V8_
M,I;?-WT\)0I6*_N5]&?58'3W,"/7;K;9I2<4V&O1C^UXN*A.G?6PA[L-?D;=
M!HO]".=Q#''`Y\[/[_LA:4/"^0\O7E]X`>D-,T^2W0O^1LGBYZN_VOKKWZ,-
M!+.!GQ$]!_[-^QF\[%Y.K0E$4]V30-H($1.=3C<\?WQ((Q*.9;B$Z]\,U?9+
M.T7D_89/N&LI**X)"HN"AW=0')<N#/#*)P"M3=KR@<+J)R!;'^P1``B#$Y#B
M8+["4_,<T]\*KWW#.U!X.#.3!*9,?T:TLTW1XC%U1IZ;JZRW?/0)>#%56P5A
M+CP*GP_61HCYVJIVPW5JJPP):+_-;CVF?S,^@GMV0%%'[AG!P7R%UUOWK*\*
MKQ/W+$4"FVK266?X][FT>E,^C'M625Z->]:YMKH-DK\N8M_/RFX.3S:S057W
M$@-U50,9!FDJMLU6HJ<:47"LT2^DG2BVHE=.63L]*ETRM#I`RX-L?6,"9E1B
M9[X_]H%TG%I?K`D%;)5)J<70[*:X76U)__PP>N)<-/33(])2>15QC+54]X&R
M2BKR0\QLI"[_3Q<9IFNIVLW6IZ7V$929V>TI=&]%_SVQ`WJZ\<3,/&T>BUU/
M/;%^ZK@./+%B?(04A@W-3MWN:DL^B"=625R#)Z952RVS4!YZ;CI!F6Y_^,'3
M\]9?S]_\V'ORTU_\FSA8^5ANU#4ITD1%1SI*>*N%510C!HACI^D%N]DU51WM
MB-D*2H@VMS`->%O@AVM4M/SN>S&C9GKQ-IO/NR0(_21!;Q4FZ<O&J$.'0]]A
MJ@Z.H##38Y=+7]T4W.H]?3["\!PD2A*4'SKH\'#Q.)`-Q"]>)IQ/8+=_<,HN
M4%WQ8[G74]V<M&7OB'0;L@Q/.*$F@IXIQ3HZ46,DE3UWKZ\;K-6]S9F7/%]L
MHA^7X6,4OQ"MGQ4AC.WQ6%T\C`X)04[GI31G>TH`EC,;&,[[;)0HU\I,Z+C%
MX0"-!V@"*,S@KMEBY1$UAQ(3I:%\)J`$@%47\?)LL_M;<E*DQR?GPLT]6U[?
M+:\NS^?WBW-P=P__@?HEH+XA9_.[K^#B:OD':RE9WA[[QH<?$/K_R?9\AUIP
M_P$_IK]\?,S;FA1[=:.WW@<#>N>;;Q4QD9!&628BG`!Q_7/:L='L.PDY!*HV
M+U*P++2%)V``@@,@(/RT!`8%("S45+;JH0J]0D9YI.BCE)6/(\T0HQJ(J5<]
M2#LLF1T0ET6BKJ.,)'P+0O=*A.X5"=T:"AUZF^$QE[-X__C4-@(_L##"55#G
MVEV8/:2)GXL)0O!O-^$_PV_A^7WX%?[C[M\`,:,G&*;_TWMY10/_[<;ZY_B;
M-3S_-PC]E;3M2G![7/B?48P22Q^AQ44QJBCT<9P*0@C>?/`2A=OGY`2W;MD^
M!W"H'X*U]YXP]LL5E12Z!KI]U`$E9Y0/8-I>BK0:L<U.3I)$H19G50ZN1P^Q
MK(,$;N0V"'=(X+W5*M[!XQ^4OOPV*\"O8S#*6.R%R2-JG[F$HAW?^MYFD:!F
M?*?6=#)1EP%4NZZ@8#&0D\M.[9S1&"KAR:DU&PPGV!$:#,P^P;&2HMSS9,/'
MS<8#]$4!G@/0)$!F26=M)>&+[EC[P"S4C\=G9*)FQN8J?6K\E:MT6DS<ZRC\
MM$+QN&TZ(T'>6(39.$9L[.-I(/H1^FLV9IY#S;\.-COT#O&=O]K!SQ3XR>+G
M:K-;^^L+R"7HKG*7-59=>'$(S40"#1"^JIR_H+[NIY.!I:Z\1@J*8C*B:)>0
M.$FE\G\V#QNH`IWQP($JT++)ZVOVS-RHN2[R55HD332X1?A@OP#(5B#6K;`&
M\N*R55!TA>1@G@"RDE9%<94W!QX[ZKP_64AVJBWJMTJBOL@7V?/;A/`;-CO#
M@;EO"&G<@1YH#0HR9"D.\"=:#.#5&.__YDGB;Y.O_F9]&=['NP09PXFZ>^_2
M<H("W8[]@6@>#\\^S<B9XI/)%">/3@QVDGE(T2(L]/BX9"Q`@S\%X:<M&B[I
M85DE3*OG8=E*CCT:G:L2VR$G:;RI`X,?@6<G1`>W4F.3/4"+AP(T5L;SLXJX
M5.WSLS7\N1^ZW\49V<41V45S+YH8J=##F32HN'G9%3M+RGVW1PDK?[C7C2IE
M1\H2&8\,9]BYM/`[6-.IP:6=NLC7(:V*:7`_>TF`GR*%P%Z]6##5;_7LKW<;
M?_DH>+*YQW>3H^E4G3&3BZM@XJ#B?2OJ!+EKY3XX:D\&3YZS`3EYFJ\<M.V#
M#BVABQ@W6PAI#&FA!;PH:U1AM=J][#90TZWQ#0I:)O:?_3"!V!"7^BI*DOF;
M%VP0^(LHOO,VA2V9K_\7'@J1FKSVM\M'Z'Z?CJ>.PKB$?(0%(QLZ=C"[$%>Q
MV,1@+:.49M57[*H0=PN`TYOX`]`@/0K_AJ#_XP3D"WQZC.)/"5RBJ&;VBYP`
MN`Q2+G`A<[2(DD2`7TJ+E%+2%"R6O@E*RA3'9C<.U$&^EF0V#82XWT.4'A'\
M'U0U*-\-);@]>4$(SSHA\#+`.`L.*Y8DAZU$@YS[CT'HKS_[(?R7[0WZ&1_A
M\)R;")ZV_&T0XU,;>L8M*<K"L&N?A!=Y+9I%WLXR:AG^A6=FOW.HA7Y#?!@A
M(EC]F10\3F(GPP]7`"D:^)G21+E7(RPY8_MOI:1\:S5II1&I$TG?Q!O_TAJJ
MO!<4VFI&M%7H/R&TE/I%TNAR,XT4/6R")Q*CP74!9`'PD.JC5PA%B0HJ\CV^
MQIAUJ%&T:HAZRAD%/@>$/VWZK+O9G6L$*6,XHD1;;Z-4%&MP=._1RJBB)O</
M2,KVZL`_V$`(;')U'KP%:S]<)S=0/OPX]M=WVVCUU^EL8%?5I\F1GYI%Q>2$
MFI),'NHFV)8SM$A+OK&YR<X,%&@Y@M/AXN:_@@3]#-;9-.S$HHHQ/XOLOY:&
M)BOV7.-29G3>J&1*"E(<%1Q>MZH8B]/3DO%XW0SG=#083H:DB'=B=AL_:AKH
M^?S-CQ\B7DZGQ<?-KZ9>B:)^@7R=H!F,W3R@=8BSMB(8"EXVF6^W<?"PVZ*X
MTWUTYFTV:6\_Z+G]X:%.@-L$,L7(4?>2@P!FPBF)$K<DDQ81J.C;VZF]-KL`
M4R*56BR+/'S=Q>.C3]H!$)-"OD3R[S_2\6QR>=0X\WJ'6KLM'\_1%38T?QC+
MY6Z;;*%I@WK@U'(&I'>K$I/#B(V8_(F3GLD<(R2B9&URXIR86U@B@S1-]DP0
M33>;#SP"X,#4)2#:3P6_K0G0?TCVX91<9G3DPU4F6=7-RC-K4,\-E(B'[ZOL
MJ;GA-@&*="0^L:/E'F0@$0N5)2)QICT>(X%R*E?P($M"N5H.+'A)N9Q>0T43
MF^,I>;+I8(RV?C#%V6.V8^[9G)<<#0J?$S6<UKL2X^+4H"`.4.<%U2PJEY-K
M*6GBY712OL?6D.RQ1?;8W#,#/T$=\G,K<FXZHH.CN*J*OQX?Q>LJ"7DA[S..
M;?+=;=+YP-P#@UJB=;A.2C!W"U`/G*L$%`&C'C8(-$AAXVCR'S)/]:5S$'%G
MX,%VJ"Z,S(2+DA,]-=E%P66"M7<Z'/+MTR8EYM=@RB)3HYF4A#+3F?\!P6(\
M\1=N2\]18\]5@),)X+]O_+18;?X2Q=NTD.TFCE[]>/N.LA.V\+?%OW;!*U(:
MI^/I=*8CW5$(2VD)`I+WJB)S0'`%QURIED^HQI1$<6P/<@^+X$Y`#A!;U2+(
M$Y`!/<$YAEO24#>'W+'0JZZ8^$A"WU0;(;:";=EV^B[.I#=Y1%))UG)-I@AY
M]\I/DO\`1>VP+H`G:1L%N&PB_WD7X%**]#VKZ4A=;<+A4F+2UX)V)D)'PW#?
M=%)0,C+;#C8CKMJN-:[N9K_R/J95_>V4F`KU+%?2VH?#4!'3>)BEI)C;(HP"
M<RTZM!D'E+SV$B0^+^<5U?*I,QRIZT517$DPJ[(1YSR5LCAJ-)F:S6D5V*I6
M:>4EW>*?)/"1FD1=M7Q43LDMCL)^R)`(G[FW(VUH:]%;#0@<\!GP?Z*W@AF;
MU%_LXC#8[F(?NHD7P4_T;_F3K$/4TD.1%JM?5XP76>C).+-ASM3T=[!;<5>M
M_=H0</,!^#B1#>$TLQ2?5XFR[)!=2XJT88XU'3DH>V5J6]/>\NT1$5J4+#4Z
M1^R<GZPY^?D*`LG>>Q[8ZFZ0]^N(\6L3OAE_%L;,9FF3A8G99^(ZE%4KSYIU
M7?1W7H[RO<1'32PN7U[CZ(WT]LL_V5!=2F7#PH(\QT)1SH0-DZS!P$I37,W-
MI60C0CFCTF+BYB-!<2@G,]<&,C^_WT/4YS^#Y'1D3VUE3$V!@!AS<U&8,3G-
M9&LTRXHDS$V0X2-&-=,S8^0>W9@=N@@G`,T"?Z)YLN3@2QPE$(FQ/5!W5&M>
M7!'[UQ'6ROK9Q.',[+@"'0&=L7@1BS:VQF/5,+22PYP)#%TZU;5,1(&?86IE
MS6X\QT:(EM,=$TKN6<3Z_D<M_*O\B::1[0ST:^@K.0]5\=#7RM?[N="&I@[D
MM*<N2ATMG:GO&H2:-;G`NTVUB%S[6Z3T+$M9PYZFI16Q?351K1R/IN$`?GKK
M:&Z1$RL9#%J<O\L.`T(NZH;W$$5_@3=OLV.\$JE=![GOY]&+%X10W4T<_>I\
MCX`BQFZBL)6]"Y-1Z<>89'7TU%FI):8SE5Z'$=VAD\SD?J*C'BORB(2CY?&-
M9BS$9(*?UDPPJ"%8DYE-'FVVS<Z9Y*1(M8CPH77P'$6+'\3SR,2Y_QHEP3;)
MWL+Z['MQ$#Y!K*ZC,#CZXP;^9^BAQS#V/0+&0W4Q'$'DA/-#Y.Y,(:5$"/#(
MY*<UY1&H6AZE8.EF4$Y`!N?3`YF#I;,`*OO["2A`XV[(((L[525I]5]NJU+!
M1`"GN9M$LQN>YR";5"WQ,LE(0]%^@2+,V!DO0^);%/KOW[SX+W^;_>G4&=KJ
M*O\:%I8C3U04'<M*U:319&BV`]F.O"[;5(M!P>[@,8`,`MF?Y3.M4D/1"=/6
M*OBJ24@WI"5(4[.S@ABHT*J6V_%Q"2N_X#%\''SGO:%"G,*W'BJM::A:5`[G
MME)RS+7'$T:3D=EWR<V(ZU*QE:L7U&OZNZ!FK?N:2K6J5KZLU:;'$["7E=[M
MF/VZ(24%6K5H,RYN^C-K"ZD#W_@\>H'_$:S2-8@;C)ZPGZC+6*-!08Q_.8G<
M-V*FF#YS#.\FP4"%:OU+CXI;BJQD@S.EC!I"H/$JV5Y1MW*SV+ZB_SC%=*R#
M1D0'F7UQQD..%O7.@5@N%B`5"S;N+\=$:GAC.%1X:4R)A9@,\).:B0$U!'LT
M,SLVSTB):BO`AHY;$4Z79`R8>42)/3!3'$I6@18"5ECDRG]J=LB/DR(MMH$/
M-R0KGP(A$W$?O/C90<,:H/\MXV]1[)]:TS%YOEJ)3:A;5HSK&8C)V+Q^RLPR
MG)_;4%>MUUO6=]'O>4CE!/P_<,P)'`2W%*!ALOE4B;+NBD]+ZKAV"M8(I#[3
M\`8HM"1H4;B4R+AG?KP-'@/X?5&#T4?4A0S-`4$(_S6,7H+0(ZU_X6]%#G\1
MXG#4_>S^V0L)9H@M9NIR].L7EL?EK015\?GQI)EE>.BE'7F=.KD2@V.MC`:!
M+1R5<Z]\KE6NF75S;:-V/IJ$]0FIPS3X?1PV(K1KZ$9T7/((_1:.YPL.+DA[
MHCS>;EG3P4Q954C-JG)"@.VD'$?]CF?@ZUIRV>"8S:^4%#`P*W\%"!TNZ7O*
M^8F-JR_6\5*'Y\2KP'L(-L$V\),\\#L9J7P`A`D;N5S.3GH=][=!FDUF9M=$
M\1&DZP*(":M]T#N=5@K_@<),L7LA9DY2>D5DMA#57AQ10B+)ER-RN>&8G1PK
M2IK6"R5.)$N72_!$JU"2"KEAB*<47CCQH*1)IIHW@5FPBN!FTZ'9->H"5!EC
MITJHL1JK8B:O3D'KUFX9(FC\%JP(#FM1$B$T/!XE@SRS+%D]H@*)Q=2KXT!#
M(2Z!.&MH@!T[QDN3C%%L![.@E6#.)H[9UW"BI!ECVZKQ8S5P)!A7C#)K%\9N
M;9UQPLAO]4HPL<HEU7..V9>-TF@TR_ZU8"LM%%Z+0)I\CGTJ=86.K.AHDK%Z
MXIE%*P,%#Q%F%TAP4F2,53M`B]68"95:L+-3MX:K8UGB-U,9**P+27*<\\&$
MZH@TLXQ2-9)B=4JMBQ:OAY>A_W47KF-_??\<[1(O7)]'FXT7)VE.SW`R&U2U
ME_>2^`V+C66G0H/^H@0'35(EMBO,DL>R'.8.FUS:?Y"[-`'RC;&/_#2P&=.#
M(V$"X%(@70MDBX%T-;#DR1!5*R.6_;?J:-P6E;K#LC'KC4D7S:G9)>]Z-H!>
M?ZRCU0[UCJMX3J\C/5*BIJ1)3EK\\D-=DN?=IGKCU"3%,?U;;S3MBDJUD5YX
MDT1!YX-<CHK0;]:Q08`2C6GY9U&(6X?MO,TW;[N+21CNL:Y^X#Q(5ILH0:^T
M[;O-63-UH3)Q_,3TA(K]R92"!-A#:V3V84,:C:I/%+(0=0N`P!X2DM26BC'H
M%>R!<G?5E,BP2N)U'TB@2U9>`FSL.2)#,!L,S&Y$(9]8+?9;.MKNV>+V_O+B
M\FQ^O[@#RPMPOKA9WEW>HW_=N^ZWX-OR=B%=E%L<B_DCW*E_^EY\$;P1][2J
ME5R-TRYY>>5B*[@7#$+,M!+B%OQH`.06L[."%5-N@`470+_.KB\?.4)_`*\$
MT%(`K66(7J",`OX:BJ$<^Y.\5!HGF@X(BYE]I:><=ET1/]6$4.N)X[#>R;%2
M8(SS*1,$NA#?KZ$4>%Q^EI5(),@9$FXR._U:->FF'`=$B'"AH,SP,QH>&J9;
MHJ_]G]O['_[FS?\&83TGF)&K6J`J$^IC#+J6:XH=D2?:I<7PR3%-9^S]Z5Z0
M>/./`RT4R#T1H,4`60V0Y<Q1%MK.!?W1%BI.!\>KI;[E)+T7,KM.1`?Y_3DC
MM-(B<$PH:PKM)X5ZN=!U6.B/IE!P9#A>C'B=T[3TO?<7@J+4]^3@T$8'.CN,
M=$OVP9&WJJ^.,HDVY>3?L`/R)/@PR$QR3@UOP:..:/-/`C68RST!='8;4.9X
M;0Z_N4*OPL$_"AI/2.>TF=D)ORK)[H]#7TN#@"/?7:2_S.ZZ_'9S!5Z!GWX4
M%4[OB,S.U%5(=4_\\CK\D3_N="*ID&;,IU4/%JB55+BR$9):O0.2)14M@I4[
MJ=R8F=T?5AW1/?''RYBK\,?A*MW+O%Y_W$BA5^:/PU6R)([T8/?1;^;JR>Z9
M/UY%@[`_CKBN>XG7ZH\;*?"J_'&X2!II)3>YLX]^KU9+=9_\\0K\D3\^[4)2
M[Z%,DH/C2+=#CI<V05;K]D"NL))5;,NVTU?A9A\]2[:6ZGXXY56H*_#*\3*=
MB/Z/"#/]4+O@_XB,$/M*^B4+/5P#<Q#QZ9Q?(3Q>07-/!+Z$N`IQ_Q&Q"7L=
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M&S4*)(7M&N8,`P13JVTS5"[I[5N9,U*%2VJE9F8_Q")"5K=6KAU!9.@F;/)4
M8)H]+QWV4K"F8T?=@\WM"(@)"Q>!F0S03)Y9AC>`IB="=1".&A.W:#\*IN6$
M=&7@K;Q@X04EL3B3F+VD\"DFXWB1A>-%EMD7N^S$:%'NS&@)]2.I7*W("=.J
M:U&%K*Z0RQO(:F3PHN89]U"1'^/?B0X_0J)>?<M4W.4OKD]G:V5D.DU]H$"F
M,Z)`S`XW,='1G7ZNP8BCO*0>/,JDM*:3RCP5U7PLG$W*2E8['^-Y,\OP"FLJ
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M+4A7<&2"%,"D-YYMCJY&G9FM>:`C^2,&A0\SZR,WS1JY"=^ICTB<T.RDT2:T
M&?17M/4VPOKK&`'W'H'E9['B,XWXC##6PF[%9>6Q7@LQ56QX,`5O;6H*^J/H
MFDC0SIX-R/"P:F5:;=UZ.&?'LM/>\=.AK:XZF1\O!6G&G/O1V'"`#N;0FII]
M>29,FVKO013!FGS_D_9WLDG6IF7+>RB'C0_U/8S=#[FD:]5%!Q,KWC0IQNS;
M%'E$:CE)2D/77;Y!Z=N2F\47U1)X%_PD6-P_Q]'NZ;G(?`,SC&0=BAKEDGZ7
MN$2T%OS0]&.U3#*-,JC-N/+;5@@W-:L@A:S%T+8R</<VMP]B+F:):\%C`^`0
M`]##[KBB])IGGRDQ)Z8Z@2*]3659E]G&EX0$IV5\Y2>(12W'#'M=PDVC!%/L
M"Y?HEN%".V!V3944^HRRR35(\AMC##`SQ_"O"&8G0MN]]353:,7L;0DN::$U
MLXG^_D">=3NEYMG85IQ=(IXON7ANM(EG:O9S-P`QY,PXZWJ,93<BV[Y7HL);
M6@&J?;/O!253:JH5KD97DCW.CL?[$W/'LF^4D39<]J49[M(*^`26%A&97>*B
MBF2C37D+\FEP&\MY=F9&YV>>`_.Y_["]#)-MO"-=Y2"U?K*]];;^.<0W?+KQ
M(4>L3Z?3B;I`-AT.8L+)2V<F>I3SAXYE=O(@$QVJ328+,BX:#/:C3T`V'J`)
M@,P`9(I2&5!BP@R4@9+YH9P/E=5H0EZD')J=$\Y'D!;3P86:.X>&P7OR08PD
MXM4+UN`Q0I;"!^^^QUCO?O<<Q5O4<NT0E3_\X.EYZZ_3I=``W%'/86CW20]:
MC.'%2*AF^XK)Y'VWT3@UT'TR`%34T#.\6&-.=M3*1B&;!3)1P%]7/>?3]=,T
MF?%;U'W%W"E1/VFLR>SB-79B.E#S%&CE*OZ%'"C>V5C[PH=?R-M<[,)U<@-Q
M>_82?_W-?WGPXU/;'MC*?/R&A<58G8FBC+6;)DV<"4G_'II]-45-@VHOGA81
M-QT(\$B0#P5_DL&,3\S<K9[]]6[C+Q\/M-V]][#Q3T?5SY_)X>6FE07U-A--
M&3<WSK)PMV/T"6RSLR(8J%#-T?2HN-E0]'02'OP)6H,7@/V2/_$$5K;.5OP<
MQ7'T`[KZJ.1G,%%W<U*QHB3OHY&$G'NK1CO#J=G:MP%KY=Q9N[1[Q($2.4])
MT$,OYY4<W*K1^'Q!<I-LLU.[*;#7XL*VX^%^]N#,%6,G$0QWFZK>U.M=[K;)
MU@O7<)'Y2[0+MU`;V[:Z@F`J'"2P+`>9!TS</G\Z&)M]V\M$AQ852XG,L=(]
MR4,/A1F`3%$J`>I4M%$24*W&6^=CE41ZC-MFARJXZ-&GZADQRP,6#\0(@#6Y
MJ!$,2"]^KC8[M&C3Z1/%MJK\9IKH',T"$H-TG/247!EJ6.@KC5(3;?8MC3!M
MVAQR3@2)!<&1:G)PS&$`R2$3?H[CN=DQ6H3*]SS,P++K"'+_9O?DP,I/G:Y[
M('%4^R!1'#=&1@M4_?&:%E9ZUT':J=H].*X($:?W<,Z+9GJZP9*T/^#+D!;*
M:TD.U\VPB]5F9ZT9"%9KI,6+;78K$'ZBM+IG+)B5K,A^<G6>@8`T7`6A?[GU
M7Y+3L45>IU0;ZS]84Z),--!1R?[[\=9T,B.)';;9*<E4^&MEZAHDCB-3X$\T
M$."1/)H[._E_\WX&+[L7G)OLA^OJ6(VZYE!,N$@,37&071FB:H<S'8Q[<"1G
MI4=KT)82J7+P-IU(JF4^P:ERPKCY'3*D9OXSP.I1W0NSE4M*U/+U5%0J^7RX
M-9T.TLB@V86C-.AK5?'5.)39%XT#?Z*1(KXY@G(>O7A!B+ZP8E5>7E0RI]91
M4LNKZ02TU6EN=8\.H[4$:.?7*BSJ.):,%>'9(W^^F#*/E+VCKGZ)%@V);,U&
M;"6C-X)PADY/LA\H2='*_.WXE,6@=*`\*&]2+1=JTWL,DXOF2&43"!P;(]9W
MV*-P#`-)^J.2],BYN4C@^J8HQ)?(`/GH#\(91O2G._5Y%D8>:@^DA@T&#JN1
MWIRVN=510C0IEQL1[-SL4!N$:SC;7X=^D@!O"[SPG52-(R%B$Y[Y^@U)7'(!
M^2J]3_@:O?A7D1=^]L*_X-'0<6QES>[;5A>3$';:,DO2.A-^F/&05/.,S/:P
M6$EAD`#^7OB,2)&>^.#BZ]5G\)#?7K$Q^O[6:QZN#]9_WCR0M@[A$^K($"([
MAJY]K*H7=&LNKMB@B[&U,"49ES,"0LIHEIX`S>9Y,<)4GS&$L',+M[=P.LCF
M`P0`(`@@`P%R&'HDA3*WJ`^B4LXJ8H.$,UEFXP')#1N:ZRS)($U7/I$@GBV2
M@VQ+67(82\YY^8TNB:@/DE,ZE+,!PGDK8YM8_J'9"=Z"E&DYHHOAZ&JQ($V1
M`\1751%?*1*B+):EDGX^N6J+SJ39!D.SK_.4T6R6RT>/.)<W*#5&K8#5E?B1
M?9)U4>^S89',*R(QI:'9&5H*J3;39V4A@<N=;1%]I=XN%>NK<(3[)/J"[G/#
M&JEOE]["F-U#1!W1!CK=#.CS^N,5(=8,K?EJ&[S!;W\1Q>BI[_E#@EO=GMIV
MI4!*[2+%@(^8H,J@_ZCG%!,LY+.1=/2QV=5EXL1I$3!A--W/\ZOY]=E"F1B5
M97F^);T^%^'Z%/6+5I>-)PM-;3+'NED<HMB\Q-2:F)VH+9E2U<==N>CF#><0
M/(```@3Q)'=YX;^E4'&?7`3WI-K!19?E!#I8L-Z4RV?HKFUKKZ1?Q!`W+D&<
MK"%QLD:_AAXHT6R:V6;"7D9Z0`-NGV/XC^?E(X*/_MZ8G#@8V'87LLV`I#+)
M%MLH"KEF6"#E$5(`/3([R5,1Q5W+M`#NJ41[*21IHOS%#]%/*/=N^;`)GG!0
M+SD/DM4F2G80F\)Y8::NTD`&ALJD6&"/*$28'OK4,CP\+9'*#AUR1E0IG/$4
M(JE5+L`\`06HX,\,+F.QD%3.U6VE^RC=+`::!?IX-)N0>(S957DJR.W:-/,B
M[EXLSA>W\ROP=?EM`:Z6\VOP>7[]G^#N?GGVG_\A39"OHO`)-_*`7N)DK"S[
MG`(#97+80"*%G.6S\?T`N1,<F9UER$$-@Y3PIZ*SXZ7*.=V_+7BW>WGQXO>J
M4_`C_/>+X,U'IV1\IY0V9;Y[]OWM>7JR&JM[2%LY_LHD3MGV4LBKI+5'(VOF
MC$^'$\<9]_9(JV8ONK:H2JARH1`ZQNH7W4?C7TR_L)RJ):T]F:$7BV>#"6[T
MX`P-?PRLFPWI\*RNCBJ*8_U^<9"N7G/)=@(\A`-`2.#+N`0@`0(I'@`C`LZ9
M4TT%-^8";OQ]U"I\0V-])PH".E5N?!LL2;O1+#ZTAHZ5NO&]#2TJVHP^^$_L
M9"$':FJNEC'1@_I06D:V#T6S^&@\LU$2/[*O-K:OAK?\[6Q/#/>DN`F3ZTPA
M-,`V,LV=NH<ZRX?;`[%K/LQ,3/6G:"CH5-5Q;K$D74>W^F1F.R2M=M3;:QQ5
MN]$'GXJ#+N1430S6-29Z51],U\CVJZA61[9VD`8N1L36]K::0O&F&.Y9\5,F
MU[7">&#?"OE8!OE6/Z+[""/7*(NC3C)-)1'0K;;CVF!9RHYF<61Q2=K%R.R>
M#/HWHQ=N%3-9R*L:FZMEC'2J/I*6D>Y242R.3>R4F-@),;&_O+*IWA/3'2I>
MPB3[4S\BY$T1MZHC=^I\=W0%NGRL/,=4/=ZH7ZM18*M/A?%M'8^^HED)I\(,
M2"I,;ZOR9%!NG+_#3H/B1"8FQNW<D^FOS`OY*#0K(8^86"B'6"BS^PSK(-\D
MSX.3!DXG`ZZ69A*AM?#]EU(5@COT'-[Y50O#T(PK+5J4M2H3WDWDU"ATRXT&
MT_&(-`+^6*X$%_DF^A,\A"A.[F%G9A,\B]YK!%$?@Y*34-X&.0Q;)`G6X!=M
M-.^"81Z'`"D"CD<0:O0ZCN_#JN5C,C+)[6C'6;N6X=I&`35#LQYTAV>D4<T'
MJMCBIM]4UX.9$L4Y,!P,;8KST7.](,/]H%@/FZLQ,5<D;]3PARAU;H.!#@@O
M+3(\$+BF>DUS>(%4(R%3HQR0-I3UZQF.3111,^W+(9N5OJ+W<4HY><DWUOE@
M)$1QI@@[,QOC>O19(TAQ/%J7PT9J2(P42:H<?IP<6L%=,-'MX"-%@M>!%U7T
ME+`2?=&VNICLL].&Q)@6M__9/&S@EW2<0?HE27Z.P:]Q2:!,I;B)H^=F4TD&
M4[5`R>O]U/8,1=</!73]#$>E6+'#VW_O`?G>Y([:X.>,E="J0_1D(LSS`H"*
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M/`-XN73!UC(/OS]#^L:-S3T5L!.BY=*+"24W^SN(H1OQ@C<3K)G][<,U+[R5
M/W^)=B'B`(45RW6KRN3I)EJJN;DP8SB9F'W3VX*Y7FU\O'Q9#Z,1@`R1S)\:
M-*\V_FS1MH492!=,R3M?8[,?(:<EH0,-6XL,X=^@P+]P6\-5\(K>JQ!FXF(P
MYFX+_V]]XT.TPZWWY)].I[:Z(@AZ/&0R.AN]U:S?"&,XG9I[\\!%BU[UW8Y0
M6:$?M2P@T\!^GG(!T:#WC1*0%MO0"`-KMQ'1;A]&4HZ(ZL!^,*#GYO(2"[KH
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ME.R9MGK"<.:876';C+AZ=FU8W<U^!>G/`/\.=:G/'%!N_IR*7-8.&+/"6:V>
M@.,M)(]E;/K5'14%FMQ4&ES<[Z'W$L7;X/\@[ZXS)@Z29(>Y>(5FL3$PNKQ^
MO_5?O7>DGI>/=[L'^,4@$EM_C73WZ4QE463;ZF(LS4Y;QMNM,\>3B=GQ6TH*
M5*MA.C1P"L4[R,<A%Z(X$GL1BOA:B88VA*]+.KMU)E(W#JG,GICM7K"2HD6+
M,R*5\GTA;P@R_IJ9UQO2H+_X(?H)K;U\V`1/'EHE.0^2U29*=I`B<NV^?)R_
M><$&>>;?0_AUUQ>[<)V<SF:S3M+[A;`6DRU]>TE1%R^VXM0:];8YJ`S*5=LV
MM>A3U`"EJY`S=F&=DS3!"VF3?($30)8`>`W#%(SN'CP?6<&PM.(16Q$9LTD:
M`#+[*DW7%FAQ,C01XR[?_#A$!84`.C%Q]",(G\#*>_4>@@VZ)?&V8/OLX_)#
M?=KDF_<S>-F]$#)R(G!'_TY:]W`BW)T*H=Y`&=JC9K&I_8$=DT::379)FA`7
M<D92P)E3DH,V1VL8YW[T36M(]3FJ%YN24&AZ=C8[^*:!>N,]#3HZW.]AXJ]V
M*(K]F*J81^2+`(BHGX`?P?89K*#WX2>O4;A&H<$']CY%7W9>[(5;WU__O[L0
MLLIA5`8%T1%J66(H)`FN@TGP7Q[\^'0XF5E5^9U>$K]AX;?L5/317P17$Y-Q
MZ91F\BP(&%?,D:=!QV8GBLHE5+6]EXJMNX<&"+CC('P&<%]TL`<)_B1`&6_V
M97&L9?\RPKDG58YT0JB8$=);1K-3M6232B^AZVB%4UBPI=,LJ26\.Y'5,N;7
MT=9/($,.AD-E?G3-JF*R2$]*)F-U,]!W&:5!$[-/M904:/$LZ7`I<OG_$BY/
MBER^WG-YD''Y.N=RR<RM)+34#7-7]K*JF;5OH(1;BCI#"S=0,KC_.C]!*MTU
M;JS<*OV.YS`&4+P@_MW;[/QYDOC;9!ZNKP(2RPV0F?'0J6V]#&_1<2P.PB<X
MX#H*X^P_/WM)D%SE-4OV8*RNI9545`6C)FIW+8^72%UF,AR2$GK#>V<HI%IY
MI%49ZBX"#3#L$T"@`R]<@P)\D"T`HA#D2^!1Q44`7D6@@A""]H,W9%^3G-Y]
MB.<471>I,XW-BXM)-3-AF9RV3IS-S*XCH"-`M?108>$61J'&-9E4@/U(->SL
M?%1V=MC8V3FU[>$@[70U-3L=D)$2>@9_\^.'B/>8PX:5>^UOP2/B\S?,Y]$C
M"%Y>X7]#1;^)O+`#AR^MJ)K-%#X(+`O-[AV]FMTZZ!@L:YGLP#`;XP/#R$%L
MY%@&MQ71N04Z3G(:Z)#O"_)4W^6$?GY/%\--NV+_7SL_7+V3%L$S1UU'"0H$
M)`D_"X658ET/(/_*4]R)>H0?0$-]J?LCL%S$:15%'@P+0@8>WD$!`,@A<+5?
MSK&JPBFM[;8'MH8X2CT"DN2&A<)*N:D'L/]P-OEP4_+AS,TXE4.<5KGAP;`H
M-S5"P]65H`JII&C+LMOKP5B#5]J,A'SQH:*T380J@.R_XPA_QRG1?XZYX0IY
M!'8E2DQ8UHA3<NC&\=W<7J;'2%)=#.'L#Z:W_@;=*,PWF^@'RNPZM0:SF;IV
M2PR8B,F6&,E%`6.`E'W=B3-!7W<Z0E%=QS:XMXA<(I7?'4M%U[U[]5?!8[#"
M\1:<UP&\;!J;@)U!\<2-*%?1BW_O_5S\?/7#Q/_LA_YCL#V=CA4VU6E>6TR*
M6.G*`HLM\X9CV]PX!37^JJ/D-$BXZ2!`1@$X#*3CP&_IR'\HX64E47(#>+D4
M)&^>YYS:UL2>ID%<LS.`&"G1%"1GPRIC>+X^/;4?WW'458*T+"[&U<R4'??O
MJ9MH6^/ID"3J3TWO.,E$B98$-S:<\H94C&Y]#7#+LH:X:=-,B0NO@HWI2<GX
ME\S8>C]],H-L*4FCF)K]CE<;Z@P<&FV]#1^'MB#AI@X%'`#2$8P=>!X???2(
ML9]_6M2>_2P*MT&X@Q[[\M6/2=50^A-TX>'F!IL`_S5_,MN:3M6],R`)23'>
M5[932%1D`4?<,4JYP]RL,D74*C<9:O!V;^?W"U52>SJS+'57?O1XZ)*],KUY
M5RUZ&..IX44"S+2H/@2S(N3F$XI'8C0'',K,2?9(CG(!4>*%&2P@)5>-`096
M8!918&:'B/B)TN+><:/GWJ-%,Y\//$8Q"')7D+7H0+9KT[&MZ9$3*&"EFA>`
M6M9<_T\^H>;8-PILV8T?^#.#P'BE6(WW$7+;M(,$>I1K!Z7A_6`P-!@C=<DO
M$A!4(=&".]0LS6S`Q]-9'YU1'B*[D6(.3!DDV-N"K"U3#O%XDE0GEX]U-<9M
M>BK<Y3;-$H#C:![I[3$UN^6*`FJUA/CEXUT1<P4/7D)RN[/^2$DNZ^PO6-*@
MO-P^^_%\_;^[9(OSCR";#M5U@>;!2+WDMN\!BZB6H(VG3O]%LH8J$RQM-6H,
MIA4#``4("NUH+:]U9C@-DC<NTUB"A@,<Y`FUJ;EIX[+(,\;XM2#JXM_E"Q2^
M1$8/*I`QD)=4OF##CI!Z<6K=`19I.@8V=FRS6X3Q$V6"[:K$C,%TD01`!"`=
MJM!TU?'9V/[E16U<:M+'`PT?#\C;X-./)W1'U%%(WXQ(7^@_H11O=9:K&5/W
M'I_/L(R1JQ$I:5M5,=\]CC7W_9/90)EMDX>GDMPP*?MUF$TF90UG9OC-I71:
M5=M-V0@SF-.T:3WO+8D"UE53EO5Q1;UTA)2Y!CK0I%F\YM9XJ25:RW%3&?KN
M_-OR^_4]IU0?+E&#9%L,V+(LA<_L2<55DG`KVK:2@$M99S88]B&;7"ZYVBRZ
M/)RIC3KEQ2FQ_$8H!K4F_\,JAGK++V4=?"@<8T/BF-O$1SG=>NV_`@J4W[K6
M((_#W_F?PB?2"A9RKZ,N*8H%%24R34MTB\A6@YD-++,3FCBHZ<@2-Z#$?(]:
M`$/:$$LUKBT<I=-V&B-&M):O&@Q6CZ3@VC&[\E>$K"[M%@V"/->C-<L=A[,M
MRQ[,=-L8J5<SW(2V"$3I.L?T]\J8Z.C(EE0B(W:E*=%^U/*,FEM,$Z6C?%E)
M!V$T(3J+/$OE]-+W:B5)T[4D)WJB=Y%9XPD(IM!4^#)\\[.DG>G4&:D3A];U
MQ22!ASPD`^WST&<8IV=(<^.#S'1HX'96G-S]3\!;K6(?[:9@^Y_"PJ=39ZRN
MCKUI93FL34=3;=>?XJSAS.!.A938J_9QVE'(F_E@QZ7P\PGX$D<)8P4MU6?>
MOV3Y@7AW3Q0-\X[&1&VDEM'L-%\V0IAU\CU_V3@39FFI.`J<;O;#N!T0\L!!
M8<%K?WLZG5D#94T46A:7YGO047;,YG43\4<@V6@SLS.-&"EA",F(<S@=3OA-
MGG6FT!&G>VB2((^3ST\*]?4PMGQNKJ2AEH7SG27-B69F1U5HT.^&6<N(%)0P
M9DU1_0M7V#>3&(W4E4XTK2R?5^MI:N+9?-;(FO1,U9:QU^4:UZ-PZ!J302<`
MJ5C>!$NJ3ZVTJVM'[%O;S[5R%DYZ(R?JF=F%!"QD:+G"84#(/5]<+&YO%^?@
M?O[?8'YWM[B_^P]!?DX3&\.G*WAT///B^/TQBG]X\1H>E&8S=5WE&1"1S.TL
M%-<R?P.0D34S.UV'G1CMFKT-HVI%G\\":!HXF*=>3/18`9/$I-U&-`#!JHW<
M1AO>)DB`JFXL"#5^^/09Y5*S05*SDBDU*,4`LHO"`NGJ-67+0C4=]6R/QX^L
M<=\,00%O_3I_OWB->F=/6&GYDII4MG*.I%#$>#P^V9-.G#-S+Q7I">A(O5:@
MPI--50)\$R-=O'V_@7ALY^%Z\:]=\(KN)4^GTZFZ$AYZ/"0S,0.]M8Q=#V/H
M#/MQVTA-BW:5W()0M9K.)L%_0]/P4]'Y1.42HD>EFR,A[:J_'@9V!M/;-K-[
M[O(3U8V)H$7/O8G]ER#QR;/KOB0I@?]R!O\[V![X_O,-I##T4$KDMR`,7G8O
M<!PZRXWT618&S"1+DM">U,H6"]21-3,[VUT"==HM%#.*U38+_3N!<Q@U.@$%
M4""%A49W(*%Z+%N_)+3=^K%`Q2X]Z1_WD47UB,QN+"0_PFY1)%]2D437TRL,
M3S1F!?\E^UM:]7D6O:!_DC8/X3HM`DUNX-]00XA39S!0UR1)'#_Y8BJZ/TW"
MR@A[!+FS=Y+*16,7II4'T7H#F_^0@CL!18#8`\Y`HJ:"!&AGTJS-W/94FJE,
M+R-L?#A*<^,^O%@?$=N9&19"VYVO5O$.RO0K^1U$#YO@R>,OH6C`[-9/_/C-
M3R!6>%5ODZ`+KNS/D#.'Z@LM^/%3+KG,^\,@N6VP1_:H'RGQPC0:8(>I$&6Q
MP]E,;(,SD"<DBR+[K3-Q[LH0]T6<>0QQ&VRLY$<D2MFS2Q1A8DTQQ&QHN]_#
MQUVXAE*]BEY>`E+.&).Q.D3W)H[>`N0!7$3Q5>2%"%7,I):Z3A`R,>U"G&GW
M3$RP:U89V7;/TJ[$J373=C>A+,&*Y^#Q6ZMH`4!6,$`M&&3;>Z,6)-G[FE6P
M52$OACD]JTB12+;!/@`5`>Y\LXE^>'"7L=!OD-!OQ(2^I;^%:@/?;?>.)E-<
M,W7HC'KC.3>2H-%H-N'1T/:@,%8&>Q^40PUG6OS7ZN55L'<C=<WL79PZG`U[
M4^C52$(W[%W"HX&])=4OMO"`:E>L6PYO<IIJIN);9W*^GO4FMDE'BV[WA@JK
MP^K&J\OYY\NKR_O+A4")8V%=DK0-?6C=WHK<[/]VBIH9/"VRL*T^<G01^6[4
M=@&#!H4M5@M0^XEU=LC3Q+7ESI`-LT8VT1CD<16GC^Y'#1T4S"RC!R0+3H(%
M+<?PT:UR[#^C2^+L93S(!+:6^G(*7)1Q.A7=%+Q?!6=DV[W5XO7T=*C8:Y%J
MT_7@8&;:15B+[&BW":8(#Y/EJ`"4*;PT9-:;?E%<I'5O7VC0=+^'L>]M@O^#
M<A;L>[(F_FJ'O@9X\@+A?,!B5S%M7:<D7R)4TH"DH`F'_]D\;$Y'8\<:3D\M
MU-H9Y5-/'=O<&"4G-2KM!Q]*]5VIHD?PN[?9D?S7/&0OV,#U\*VBTZGC*'PT
MNV5U.9Q/3UIM)]?#F:GJF:0U!?VH?:2F1;.VI\5K+P:O!S?20?X\%NOM%%P9
M&HS$/_?)/R_#$DX^>K5FJ/8UDG8<Q,2`E\S"8PL4\V>FMZUB(4/U(8(!%S<;
M"W[+1O\#\OP^?V/_/(EB_E?2"=8\_B\UBZ6:/R/:"C?TL`RO*>(CB"'HS]]0
ME@LUW(;JMW4F'6Q"4'>\F+]Y`1RV\:&-2;R-?T>.$?!``G&XB6)<W[#=QL'#
M;HN&W4<W7HPJ]*V19:NKYY.-KIAH:=B\3`KE+S6<CLR64U4DJ[9NBO!VZV-E
MX#>4QO2/$Y`O\0FN\0DM`O:KX,3'$Y"N!(I+@6T$R&*F:`\UYZU?17V4CW2R
MUT+G$]N>V`-BA<S.A59/O*9#HW)"BD%$'#`$L;^*GL(TJHBJ(PK:A^=)LSH2
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MJYDX`?Y>0M;,$G)?U8MP_A+MT*%S.IJHZRK4L+*8'+"1E+%^XZS98&`VLU-@
MKUKMMZ/@WE>WFCT!9)@"SE6BSKOEW)+2;IJ%?<XA\3G[R\%'5&A1U/3XM#1E
M%?'J[U;/_GJW\9>/\]5J][+;H.CS/%S?Q-'_^JMM'BQ:YA&?Y!Y'B/R?V\\0
MP%^GUF1HJ7/WA?$3DQ<5VY-)E0384\OPEV:DT:C:MLA"U,T`H<!H`11N&Y,#
M`RDT4``'_L0``8((,$C&:F2)O*K$J'T<42X92''8-G1@R%NDEN'5H])IU6)L
M96-=*^=ER>:6X@UF<0AA^8CN:K(V-L<\.59W^\&&C#3YY".\0ABI`$UMPU\2
MY"-(H\6DQ^I0;/)YZ+_0S+1^0Z8I9.(EU7;/6"%JLF@T@)!R),TF+,OL@@\Q
MPG3;*G84#R0,S?FWA$A50=SXSXCX=)I<A@6+5Y=L@,*/]]%G_S:__%^^^?$U
M1/LB2%;>YI^^%Y?9<:;N)49=9$B38-V;72'[JE&8V,ZI-;.&,\2_Z-6]ONB.
M#C9&HT'73]VA8T#61\E"1=>Z-<,9Y2D_^&"/"H@@+@`A`P@V`*$CT[W0)*.J
M'9._%6+59FM7B&/+<H:I:(R):/0F&-#%SNAVQSJ@L5(Q7D=;J,FV14WG)<##
MNC$*45\'.!C=Z][XD&/6P2I[\0F.2!AOP0KD)\GN!?-;\CWQU_?1F;=9X5UH
M#9X,)[/*2P(OB=^P>K+L5#FAOTA94YK6D4EUA4;A!X\<?VM*+HEZXSA)(U>C
M.R0+Y[TL+Q]!`2I`8,%]!'+`JB\()/"T9?^2HFR5:J=DP+=LPBH.897>&'V)
M!-/+\SJ"UA<:.0RW$[DN8>_"W^',&*RA<=]$R2[VL\H(KR#G.R3G\)"R]J$_
M\A*$I(%\]KH;JIG`[TO\._QCA`\[_LOK)GKW_8.ZB@3#S?ZRK\4X0:45F]T:
MI7'A5>%B"!_D,X`8DI6<X'^@8:1I0EJRE;\2F?UP0EY,__E*;BLW4?CT"6%,
MH"#*8G^[BT.08HV6\[?):9?Z:/I+JJ.FLPHW^"FY[$KMEMD/52BA5_>Y0AKF
M!Z>%/_S@Z1G)[QR>/+PGO^QR0%5TGJNB"I=#OCS#0TEV)DG70R>2"NZNZB0M
M(-,TZZJ7:T[J662;:@G$-';:(<3L0DQ5))MP>N#`F^$$<7#\SV0;+:#E','&
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MU8FW4XF/.EU"2SZ-CJB!-1T9WN*(FZ8NO8DFQ%J]A`049BLU_2W\I=VDFR5>
M3":X&A8^@I)(F=67-"A.VCHWF318'LA>P0A6&3U<%7UD'"]VX1I*Z]W6V^ZX
M;R`7:5`QP]U[QR^8ESW!L8XC/14VLF20E_2R!%)"F@ZG9G?^X*1(GW%C0>M`
MO+*)>]N63I5HTACY2;%!,UF4&HP9'21<RH>?[+/LOL2_N2C3;,AX<#R4LV0;
MO.`BI(O=%EV^'<L;KW!=>$&,7JGS&PH\T<U+55EDZ[T3!7!9DL)'1UE.:."@
M[S0D*1&6V8TSA>C29W[8D3O(0T'3\5.+^+_4U/$S\1=S.HFI@M*4&$(!*$TC
M&*;W<WUQTK@HTY_BP8.FV7+#FM=@JM@T^&$4<,BE]CAM]=.7P!T/89J],`X4
M#ZL?B7!\\ST4?U@#;UL0(5X!N?:WA?2&B@8I0W6/R%!B(4N&6$DM2T\S!%P2
MDZJZOMRR,U&D65Y8<#L,NF5EP$FI#EA&8@TE'RF.J9DD,I4/Q5-"R9XV'TU'
MJ/3;GJ*>&,YD9&X-H#P"51YQI&%Y(%I(F(HR).ZKI4'VLR@D[R_!KXJLXS?O
M)VKS.P_#G;<Y^-&/OX?PGXLT=1?^]PH]U02]'[LJ`%?CQ4E:5DS0U-&>V2[4
M].J'!QG^(HJO(B]$=^=^<@<AAD_X<;NTAG-HMI_'0H86*\6`D%O\@C@A?8>^
M(7CQ7QX@`JS2\K#=/U_X#8-`STU4E8O)L3A5*XIR/0T-&0=7CK:MB6.3GF]C
MLT-@-.BKCG11X.!>!#_WS\7O!X,_R7`^I5Y*-EH^IJHKGH?K6Q]WD+GQXNW[
M?L5+7%R!DI'VAZ13![H:"CE<*K)23(*ZG=O+E=R%1B/#&S>K(5B]["K`VJU*
M"<H>"<'W/2ELG)"00@<8?%$W9`L<I?B9H2J41"Q^"551<B)E+P1-SW!`4D>'
M9@=*%%.NQ5552X,[?_'CX,Z/W\!%$$*/./`V)T@SG**:QQ?HYR9;>"@$S_YF
M+:P8#HNULE(MZ')7%VMEU]Y74?AT[\<OM[B:<KGG=UO=XUNJL9>N.A3O;8,N
MD;OR:#@QN\!`TPYTX)@H(*/.4SDNI2PL5A_P/=GGBUWEM=:W>8FU).]%C2#I
M<F=^125%X_#(71D=OBUB0T=F)[KIWHJN7"*51+FYVJGLYR"J<3Z_Y][9&73B
MGB`#^<G\9Y"<6N.!NO<$&!"1K0<8**X7Z7H@H^&,=!0;CWHFFY0TZ?<-Z!"K
MM_8^>M`TFP?^1#.%0Y+[6HXK^,OEUG^!_#-RJEJ<J)*8"A1DRPH5E?524C4=
M:K?IC%R]C\V^-^*BIR,3U(Z9>[.XOKM<7H.;J_GUW7^HY']-%J-C_J>P$E73
M1_:07)ST[J392HU^R]"&4J5-*%2O@C_1/(`G"IN$].8]O5?'[8&@@X;+T`/H
M%BX?%^$6?N$S'-FZVV99EU5AI.:\`Z$U98N(%*KK18@#/(XQDFQ[NV\18G%R
M]0NA,,[54IJ"!2G<M&DG2F+-0:._$>"`0`<8?)>"3%D^\=$DN5QL(0,^+@&8
M.`.BS^V^&4P9!-.+LUAIAA+L:XYD_)+-V+U2+H\SY09^&,FF..:Q@Y\21B&E
M"K;9G765T-O1,5$<<S<3WM=4>*/'8C@2]ZHE$HR?W**YWA66Z2!$&%WO4*X9
MI`EGOF99KE_A)B68FZORZNEEN'4-Z3++0U6#C%*`0U_8](1(`;HZ\(RID:MQ
M@<E\0`!@.XE!9"E6/L!`=`H0OW]KM`11^:^M\#('B%S>V&;7#,LAL$/_E!W;
M.G^43LS$G4\&AN1V-HT6,QIGLA5<ZI*0GEEVW^X0..CKREEDQM3-)"DDD@1=
M0(](TK,,.\5T?IE:0X9GD(06DRU18G36BQ837,N:#ON67<)#H'ZOD`/+:O=0
M?V24BS-Y35G?))#"N#%_^KZYD#P$=F3>.%!U;RB"'C)#&UQ\R'U$ZYO`T1S:
MF+]RWP(@/`1V=VCCP-:]?_:S:"-Z"0<YE2UB)WQ2*[;JK?@US1:LO+I7E>U"
M@9)LH>3:A7I1I`$WRJJ#QGVS?,S4Z7<\65&L]#I)GVGRQ,)-E&QC?QO$/M(1
M1\/DY%DFY]&+%X0H-W>F5=KPLO(EJH::)JDA4T;#(3EGC\SNTTY)01?<7T9#
MD,,)1'$>SSODD@:Y66EEL?='<AE>^S^W%U""O<T_?2\^=0:.SK8&7$A*EQ\Y
M.]4@;5P+0*79M]P4$4([D%U^;*M%_*3<E3IO6W``%+4G0&`!@0L0X&[E75-U
MP0>0=XJ`#-\"T'H,QWUK6")&:D=!&B&D]Z5SJV(7+2C14`I&HE)\[\5/?E;_
MYV]14Z\5>9GEU+&FMD91K<=$MCRRT%PO=`U0<&)PZI[U+1)#3U9'PD2-H$M&
M`B\?H4Y8;M$;1VE2&60BA>U/>;'2)T3->\$C4`<01\-IW]Q4)LKT^Z4LZ-4D
MGZ2BAB_T2*UJ`0K`8+*$:<U"V+GU,D@(A:S:`41<W3\DFK9ON2M\)!IG[1J0
M+5N^$_"B1_I(Z@SDN,KWBKJ2/H*5;NFKVPM^Z4LACH:COE4;,%%FG@DLHB=B
M`@D<S4)HB`DT0@@EF,`4(E:YI/ISU+=K/CX2#36!E<A6FD`YTO>[GZ"N2*0E
M$LX*GHJD:!Z`DRT=;;C62\'A3+BY=MJ%P^Y;1Z!&2O2;FB9TJC,DTQEI1S]%
M[,N=;]4%_]+D3!U,S8HHTFK]OET^M]#27294,V(UGM(A/PNG.=7P"&_";A?\
M3.&5',Q,2Q;(@<_NVQU.,RD=>1F-2+D9RZ)^J>*/^_AA`O\Q#]<X/>,P.^,H
MQ6G^`'_T5EN4HJ:\+94HDE*D1?Y.'0F5\`*C\;@7!D02H9I<)#G8YB;GX,FA
M%%Y]2A1)A2JVU,K`2GC+2X2)59[=/Y:XU]E0X07PP9*TCACVPM3*IEBG19:,
MNSL:6+_]]0_<+I*O6^3QRW3YRQ''F?X0S?VS$5_]#7'OJM)]V=[CHU]0OCR*
MTMLDBFRP<1M0TB6W'P6=\FCMPOZ*(%QC@G%<G#RO5%W6"2#@XMM*7WG?2Y'!
MPFSAD`\@L[4A%6K@"%X:`K#)R:D?96B"!&H.OHAA6R^;)^S"R1>YD<&L0@_<
M]E`XJ7S;-F8@00V;1.?Z49,M1E]G?BLKIK0OB*'CZWV\2^!Y%?*]'\=0D).]
M3'(_,':,/'K>X]9?14]A\'_^^M2Q1U4W7.K.HB44E`AB&Y4MLG8T?33NQ\48
M%1D=N9Q5N#19+#0>[">HY'UM<9A.>9_6SAQ-QV=NXO^/^A<A::6G2SO2B-G!
MN^H)V$9@]8S2'M;H7Z-7/R9I$E+D(JM9^>9M5\]!^'08J$G[(>`?4;JIK=M>
MT*.G1)Y$=J=%UAA`CX;37KIUS"1V9)]8\6RR77FA9@;L8-!)WA8K>B0CNA)B
MG8:O?T),:S`90`\GCM./LDP)1'9I6MG1=7.A?4%_+O3SD2*=:3(_:5%YA,WW
M$/XS:UN98H?B`_9`^(*!=5DELB>!]A819%[!MIS)C+P",>SET4Z4XHZLK"#:
M#=</6=?_M#'R48I`###T?;_D%+Y:V4[@*L<$.8.9WEP?1@3U:@"J'>(5_BK@
MHV$_'A"00*1I(EZ+:9,KW2#6"9;K#.))]R*MTYWNITC3NM1,P'$OC8]EQ)O(
M[-*MYD&XZCV>Q-MX\3N;I"[^M8.?='^+]LU''=Q/+<=1UY"A>DTQ>:*E(Q.1
MFO&V!9UD<LLT-CMIAHX`U=:*"@OW/'I!V>`K@(?CQ[C)0`FIHD(G(;&<E9X?
M`\OY*U<1:@<:KF_]#6J]A.H&?WB05R^B&/UT%26)G^SS!FU[8I%"K*'9V=U"
M=.G*5A%!\M@:I/V2=_ATYF>GLZ<8P@"OWOL)>'@'VV<?%V<D:"3ZCU?L&FZ?
MO2W^3W\?N7G?-]+RT46)!]:I;[DJ^I8(`&.&2UZC>@9I?H)<X^?M.@?#JD"-
M'`M4NZR8B#)0DXE<_11K.!VEQ;EFMRZ@)4&U+:+$PRWT&]B/E-;4E:)56N<M
M/F37Z+'0C!B?!^?_V3QL3D=C9S:&EFLVF$Y0^,J9&-Q+1S*5*L5'+JH\[3Y$
MQ6Z^VD+_Y];?[N)P&>;X(@8<*T_%HL!#MLC1TUM?(%L+8S3J75_C%EHT1>VH
M$:H1$3()D%D@KP'`$Y5+B*:F-\9("$4)>2T,E%4T=,@!MQ<WSQQ$Z0R)L:/G
MIK(2Y[*"CA_I$S%29"4.O,T7Z!*BDQ?JAE251Z]42(H(*)&.9@I;Q.)@,G2P
M[8G900`6,KID_2J$W/P7\-L3_.T?8`-_%>7R]%^7#YO@"7MAZ$9!9Q_>$@*R
MN9R"PGHN+T\>#7OW[&P=$?H=HAI,:CRA[+_VP]5QNS7X\.R^)Y&%WY'%30,G
M$[-O0SBHH9>`5]SAYF[KQ5M9FKX-.S?C_R@?`;PM>/"?@C!$J:_1(WB7\"1)
M`\=8'U\H+&ZA(.6ADU[<C[-0PRH4BW"M6"1RW&I$P@_7DH4AN?&"-72')SKC
M1L6U%4E`#5VMO$_FC49V+RHEFO'OS.TI(-'L\20`C53"RF--AU?MO#RF.+,>
M3,2A!')[.NY;I+.)$`KVGA'V#OTG=,M\+_/XVH"9FW/WJS+NMC\J=U.T;BU.
M')$6%D-2]#CIZ8FUAA1F#E?!W"6TY++WV3/JTGU9]HANH\WF(HI_>/'ZU!I-
M+8W^"0U.LJ6!;Q_JA80*'GHFMF<2PT"7?O^''KD:OX@`0*_WE6-"X$\$!:1@
MA',WF!A.DS-EO.!1^%Y4\+!&34][?;M)X"&PHSL&#E3=LZ_SZR\+<'D-/B^N
M%Q>7]V#Y^>KRR_S^<LG9([("H0LOB'_W-CM_^;B_]#MDN%D7%J\-+U7"Q[X?
M[0+8"G,T&O4MT,M(6W<6D`[!5BN(P``,!\6]"@DBBHPA-1]J-HC&RR6#86R%
MB14R*=B=]"W?A)?(C@TD([H%(XE:)X/YW=WB_D[<.A;+P3Z_9^T43AV[\@TE
M94)7C89T&:.EMD&D:D",1D[O!*>1E`X,61,^=7;KH+3XX3WOXJ-:,'19(S,$
M@\;6U(#`MVRD_3N*HW\("3FBJ2M+0H7=OD5.L9A*.+FKTGPA?AGK3'FIQ$*V
M<-"26B\;U1#P=R(&OA_/U[!2U&D*#`V&+C[LO&6'G4*&KY)LF!9&TI018X+,
M4&3&-'R_"?E^9I<M<E+4888,#7[-$B,Q6>9B%ZY]I!&VNX3@<^I8LZK'6Y3)
M20D#Z4)"06.#@)1GCT:3OETNU5*A__Q1ATK-T8,,!V1\%BM3R/:S7X#M9UQL
MCU54>EG>MR-&.SD,IXMHZVVD68,VQ-Q4`))<`+(N#Y_0#S%XQ+^+2L1E"`]-
M?K)%?;>1`Z&\!V[-VK*EH)FN>OX_F(=CA,0X]T[S-Q'2T8FZ`24W^PT>HQ.^
M=G6%A=#+(L'*)]_>TGJ_45A:-DLW4E7/T<5I>--)[&+2BY:/='1TQ,_U&+GI
M3U*XN;[84V=7A&[*62D;CY0`Y.TM[#%J;S$>.+B]Q<!<_T4.<2K=>BD8-K5.
MP!6R"`3X#0'YAQ+?1I/,:/=M*"6E.#?_2I:#OY)%>L!8YMZT"=/5C7S0(5<C
M&KEG=*;(,](D$9H](TIY*$S=?YD)_C+V`'\9@PNG1,GJ1AJH<*L1ALRODB$+
M\]5J][+#[1KQ>]MGT<MK[#^C1[C?_,MP%;WXR`S-'Z'\W7L_3YV!H].",*(G
MWR<3W)VF!B1LH$?#@;DF22:)^H.R7'C6^G`Y+("!@0-H@(!+?;L3X"&8``+M
M2HXU17Q[*L<4L6)6T.B,/+'Q&;D?[[;)H[6C*+,8UNX]PD6S>.8]DJV1R>8V
M0[-C<:W?+6EBFR\Q&LX^N-0>D6J\.3[$5[)9!G]FX(6+$4296EO;O@^A`JA:
M`/(M@>T#R>^:]JTR71+-'=TUR,'>G;]$NW";@#A_8AD5)7D%%1%A%;$Z4!&H
M72'*;TV"9(NNHH7K(BBHN?:W*!2<I"\GY.ZI-=#;$)H3T0Z4`NV.":F%FD5&
MPU'?[A-%B372.VC"6,P_@)#QW4Q"/`5?]Q&^A;MU]8_Y0`J!IC,-]RIIDY4)
MZ8DX_6640YEN"CVAIN>-/!I<)/Q>?D4KHWLQ'7(WB%,*]P5GL;\.M@5.G@Z-
M<P::<>Y&#;#NHZA":%EO-!I^3(5`1;>IC@,-\N(^!%[EX!X/_$96TN]04(J%
M.>&'?JL7.8&)]O6P\1H0X]6W?B@J-L#<D`4K*2[1'HG4[$H:+.]C#_X!\0JI
MV]HW7BKZU6-U;QXJ1+P;G<&UHZ**@V;1T6CP,94&/?&F>BC4%(B[*?NELOY,
MOQ56T^^JL(B+6;&0#Z&!Y,5**%9-S]]CTG]YTK=";(7[8'@LA8<FMZ!I<*FW
M1'V2_K7X>`9<LAL?I82+0J&GH)M*C,MP1B.[;[U$*.CIU-[7($5APK-?Y+TR
M1<5#^L,!9L@.V_&]#`<?Y4B)W+1O3^^P$-;]<;L-1;<H10^I%$7RI"A)=B_X
M"R;?$W]]YFU6:*T@?"HA=AXD*Y21<`M1@8QF:PWG\Z$I7?9D[5:#6'(N,1KV
MKNQ=C-0.#*$(OG4V<@\3(*"@`+7":)Z`##)`H+N6?EWF]6-(/XU1YEMB2HP&
M.:A,>U>`(XGHKHRY'/3=7+)CO9*-D%D^HE,R/"+CO\!#<NQ[">+<B=8PN0RD
M.Y1ZEIV4H@,:%AR-K-YE_4HDW&COH`U[6;X"6@=UHRJN!+*ES-(PYGD2?=4P
M<KV,A@61^9JFU[WF]FK1N`/F^Q_4M+AWWL:+WT&R\C;"FN(//WAZWOKK^9L?
M>T_^$;Z781/&^XJ9\6"DT161@;-L/:%F'^O5A)3U1N/>1>$ETJW?#9&'?(T7
MDBT`TA7*;DD0MG@F$LL5I<J$)B?DP^L6"A=$RGKX`.T0F_5+*IFC#>C(`5%`
MBOO'XO++U_O%.9C_OKB=?UF@5YZ^?[M![R"*/_4T?XGB;?!_&('E8Z&J`CK1
M0YU>1BTBTH\8]!0W'!MJ@8R&O9._-F(Z""`T8U07%"C,0F?]P[H_]9*B+8'-
M'%&A2C"K@S*:8%7GD*.6T[O:&GJZNDL`H\;1O=W7UH?RZ^8.\*A.GC]U!C.M
MF2H4.*F5*-I]H)6M&G@XGI'Z$[W+RN0@L*O@$SNJ[K')PE\$/Y4CMUKD`+5]
MZF8QTS-]C,D:3SJ3P0;$U`HBTX[02F,34,P&Y+[3Z5W9!B^51L@E/;XEX=Q*
M3GE&963XN:Y@E?X5*8IB"$'G$Q#-V,B6/U;:ZX6N!1+^IN3!CJG3,TEC(ZTC
M\6)"TCU;?KM97B^N[^_`\@)<+^[!S>+V<GE^>08^+ZX7%Y?WX&QY=R\YKM'B
M:'42XC#0X:1]MH("YOXI!?O4FEGPV$[ZQ9MK[)31JS)\H@IIR@A+0U<$_2YK
M)U)LM,O*)<\-@/?\,B+\0MY'L<S-ME9+M`F2S84YI7@7:OP*P,%O!+RPB"]^
MOOJKK;^^];>[.%R&:08'>1-X.-8HT_68R!9B%IJ;I;8>TOYYBAEYJ\4FW]W<
M)$C)5'8CESRHU@AB!@H06``*(/HAK>G7('>ZKC*,$KS#RPRA#VT/R(<>D@]M
M;MV@9"HU7'3(Q=C-12W.1>UUD[]?KB;$`SE.:\E@-19Z0CIE6IN%JQK*_@-.
MR0><D`]H;K*M1`J[,6>L:-:8,MP\+X63_R3C':P6=M/T3(X1HC63(UKIRWYI
M$,#<8*E$"AEBIGP/W,C#%7>S?<TD"66MHW.9C-M!REA\I\:JXWL((>.50=L?
M`T;DVY+SN-W'F"@WI289LW9T68T:=SHW>>%BGX-S68=RV/B0QF?_,8I]U`)L
M,E!8)"(;6S&I5K]WV>VC])5FAM_^JR%8=4*I$JS31VC`[<$;-/6:P`NI'JYZ
MP(NP=V14QO1*'.=?1&&47I^4OI)M36:#-$7%W*B2#M*5N^X:B"!/51X]:X6R
M;Q]23;+*-$GM^U:I_MAZ/X'_^.BO&$\#=5B77:ADOO[?7;)]\<-M3@[9B:QP
M]MPG_\R]YZ$S4'>+HQ)S,?6B=T\S5:-T56LX')NM;G20K]IOT4"#6^62_$:6
M^0=`NNH$^C,DMK#W8&Z@&HK];1#[:,6#PQ`<O\>EZ,Z<<)^%M,B/DJS*7UPG
ME;(UE:Z*,@MG4V)*S;W:UKT-6K)`-1+D+N^_+F[!V=?Y]9?%';B\!C=7\VM4
M`[NXOP/SZ_,\;W3Y^>KRRQR7Q8+;Q=GRR_7E_[<X1S-2$,MO-[>+KXOKN\O?
M%_#/\+\7\!BVO+MCS&1I?,FTD$*S)_T"RN%\>7:9:M;,6SQ4J\5=NXCBVD=&
M]LZD-9PJ3&`UA4PUBL^`C]6F)3M`T1Z87;QLVE9UY1%V1"^-]WB01+C'"R"1
M!`@S=@<3(M'^"!MO(,V@+4X5A)KD*U/H_&CJO%P";PR.T(4:CLV]QS=RKS1D
ML)E(=['\_U7PM;HFVJBQKS@W()FSU5UJJD);G<*3O)DT^DMPR8%C=D=NU:1W
MZ2]*P%]?]-`TC:/D5O17U3BE:U)E2^+K-M)NPS&[]8FN+=!R;:J)F,KK4]TW
MI4PT08?L>^@1_\Y?HWY,V.&+@R0(G\YW,?Q_$ATM2HUCJ:MO[8@J`S24E$\A
M58%Q860/^WO`T[`SO7"XN,FK],>.$LQ8_3$4:"M@@[LHIL!`BA(@.*6);QV[
M;2)RK#_2]K=.;?\6'2M5\M;M;$#>'73Z>R&B=8\,B)OII!=7X_SV!*?^@Z-!
M9A,5M_YJXR5)\!BLY$0`,_H.#V*X<,S1K?[4$Z=."W;R86ATH0;$4)38\$<U
M#=DA>H?SS8\?(MD9.'JI+=X:&*X%CQZYW_>S*4K?9.IT<M+N@-H>Z4FN3]>)
MXJ3"=&!PORR#=ZS+DWQW9-.<\(^QDYQU4^@"AI$%O^W1591WTZD*T9H9_K?V
M5_+I3-7^V&\RN^37U"WK-+&]8^*/'^<(0CC-V\AI0U[_:&9UK>/1@^Y#K2V4
M!7"5W3I$[K[Q/%%+L<YH:'AMC!)Z5?N**I#F>>FZMOO`"<@6P"]?&Z$B.G_7
MNJ<J0N@5:XIU4&`;+H,"V[/>O<$ED7`M#H92$MQ<Z.,.A+[Q0?;IP&`OP83W
M[<7W5)YZ:%AU-++-SN#50+WYWD4;"9)]#;0<ZA=?7!!D*QJHA@SU1'JMAA1X
M*0VK8KMG$[MG=C1=YS;TQ(.A)LC-%,NJJ%@"28J%X:WNUBZA$&=][HTTQ&6K
M%84[6J]5Y"TZ&H_,SJ553[Q^UT8R!36>3;8*2)<INSI!2.?M<'<UTB$NFAR;
M7T@!4;@U\A;%UH^\R#TS^Y)(XRYTY-2HHL?]8W'YY>O]XAS,?U_<SK\L4"NC
M[]]N<-\BQF<OYR]P652G?1&$7K@*O`UTI*!?]1*%=]MH]=<W_^7!CT^'DYE=
MU<'=2^(W+/26G8H\^@LE5#'1Y<9\WUB5"H!MV^,)2=J=F7T/PD>0:GO-A96;
MSP+YM!,4#S@%9"K`<\&?9#9SIW0VUK'LWG*]52J)H(,`31?^(N39W9G9C3MY
M2:)G_76TVJ$;>'Q\5"0")?RP$*B2`1ISY6_G&\R@R&:=.O9876HK,SKJ_;X6
MZEF\N4-0\)31MTLR.I),./I5X%47JEYM=]ZF\"HB*,S4)4R=';>,$":NH]$A
M*.P:DU:?,W.?<I-"FS''F"8L72)*'J\H77A!_+NWV?F7X>MNFUSY;_[&RGQ$
M:ZA.:!H6%A,/)HJ0(#1/F,R&V$.P!^;>6C!0H)RIZ7%Q\6_`XO2HSKSD>1ZN
MT3\6_]H%;]X&.HQ)NM)LI.X!M*:%Q5B7B:1,AS=.LNU)FFMB=IR<G@C53@\U
M)BX:@DLS\+\4!O,R=!2_1B@-Z-Q_V-[YJQW\0H&?+0W/ONH:Z34N+<C3;%3E
M7-TX#2D2>TP4B=EA5R8ZE/,V`S)N/AA\CL(U+U.7_9O<0"P?TZMH\J*WI>[A
M&4HD9+OEE)36.^/5`$8CQUQ7A)T0_:?8!FQJSJYH!L!34&[#_@@K?&YM9A%-
MIU4#A('B9%H-`+N4(Z*T^A;EH:*HHU,H#6XN%HNW3"Q>D5AX4L3B,GR,XA=2
ML_40[;9[%/;7O:/95*/!:,=(ML#P[$&]]%!`&XVF?8OH4%.EW\C0HE9C<0K3
M@8?F%ZV.Q(P6!B[39(V,EC0*.T4!#8?PTGNGON7FLY/7D05C1M0M/%/%F-:Q
M^+EZAECY][&W]M<7.WA>R@ZX,VNHS$S5+BLF(0S49&)0/P6?*H=DC\WNYTQ-
M@VIC0HN(^VV'K]3PB']?W%_P'M*K8K;V/F2NKA:T86'YEP"U%&5,W#P)>KY3
MXOF:G9;$0(46S4R/3WHA8'-R\64(L0P]LODH'+M]+\6X4*).5>)_38H1!4@Q
M/N7#.6-8FMFC@6,Y:2ZCV8U1.:A1K8G947(/I@`R!^PG<?+V][M[5$&SB]_G
MX?I+]`:70/E1*0KCD:.NWWSCTF+<STA5QO;-T["-3&,49N?1,=&AFM59D''G
M3WZXXN?FLK.^2+;!"^HQ?`%=FMC/?O'>$0X'QS"=95MT6,D^CO+N1?V1E!+B
M"/[/:($1I$Q_$(@%O9I`T.+GJ[]"=5`$Q/[7%,@)N`B2%30U__2]&'SSMLC0
MO$N,$#&RHZ8H42]$DR):1`D1.\HSHG_-]N)DD=A1U(@+67=Q=W_Y;8Y*A"Z^
MWW^_7>0OG-_,__EM<7U_)RR$J1:HQ.HB>/.)$D`Z(+E_]J$E?X3;@DK]U26-
MR,)2NI!*VJL&H>5;830:]NWB7HC2#NRM`+H"]O?-+QKA!.Q!=RSWNHSQ1Y![
M&F/-MP(R%B.2]FKU+4=!#LE=&7,9R+M0#&:?@#VPATJE^=K_N;W_X6_>_&]1
MN'U.(&..=:;$,2&G57;;=X939$N`1Z/^>=<<!!IFF*NQY+;'"!P@\``!V(W<
MFF!\S91;45-;`HPUMD6.8WU+J!"BU$3#VH(SLJ<CI1*)[#FR[I#?;'7W(IQ(
M:97`^IW@E+P<X&@X^5""=D2881;R$#MNRXA#Q`B.7O$SP1":(7ZBAB\'B%4J
MJ=6QS"Z`DD2AB8:N!E=DX!SU$@:)@7PU,B:^FR&E7\(J=T)$PA#`T;!W#=U8
M"#/1P.78"1HX"$>O^!ECX#H7/RD&#@'$*C5-.#$[;5@2A<8:N#*NR,!-E4O8
M/10FZ#D-9L8$07.LM,M8S5X("!F!.!K:'^I&\I@R`ZU<`3TQ,X<!:99"4PR=
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M2DS.=G$,__74&HX==2%&-F2T2%(]X8R2E`.RG;'9:9-\!!EBI@ZQ8K52HMF0
MO$S5I6'J5)IX[5(*:$HTHT,TH]GUN(*4F627:G#D2%:D7/`R1*DCN/0`\8["
M.CUVA+0(3O,&,`K/`3#;&7X(N:D@RA"35,:,WBR=(+N$'N_$=7,8ACX!Z](J
M&2%@O-:I"`RIR`G)!K#,OJ\2)\XD&U6/)D?*(?V:$/N<B28S`\Q4AI`N*6K8
M`'8IV@.S'=OL%'I^HLPQ4T>8\9@I"$*MF2KS5\=FJGL!$S!3.3"L(LDUOF7V
M]9,X<8:9J1HT.1('J=?$J1LY%W5_]U3$2),<-6X!LR`5H=G.Z(.8JC)5QMBJ
M$FH<Q@K#4&JMJIBL6W-EA)SQ&ZP"-*PMR26]]?'D[8@ZLTQ6+9X<Z7_TB_Z(
M,C::*&P3SXR/+CFJ)Y]=BG)8]LSP)^&X:3+'4ATBQF.G?D1JK52)M3JV45U+
MEH!]RF!AO3@@>O%#7/?6TV:8;:K&4ET27Z$7%CJ1JWMGBQD?+?+32#ZC_!1A
MV8YM=AXZ-TV&6*828JR6B;=QHP!C=6F7#)`K7KMTU*YODG9?,+M46)@VD^Q2
M+9:X82)^&'LK1YQNX8HHR3U,_&N?9-IHRY8X7%NJF+2252,2Q_-L9]PKLU*-
MOV834HE$A;E`XT`Z$"73;95PL@XCT`$GMRGWHWE8C:1]5WM5]]!,1Q=*NQ$C
M%S.U3WZ&I_'59K?VU^A8OHVVW@:$4?@I0,\8^4D^C(WMYQO,4?[Z[MF+_<\0
MH_59]((`X8>14LQ.QS-+73X!'0YB<L!+9R8/E/.=H=GWERQDJ-;S#+BX^5B`
M!W]Z0*-!<7BF^I6ROQ+M;R#[E\P!W7R4DVL/QZB!J#,S_`4%3HJTF`@^W-R;
MV-]Z/\&J*!5<1N$6O6FZ#/W"LX95;GS-4XR'L\7XMA63C$&/!MK6U)J0W'##
M"S.;$5>M@QM7=_&O`/[,^7I<W=?;E[IUSDA[5*HYR;+1IM@#\H*0;7:V>AOJ
M]-RTCE8[%#[`2D20JTIXR.&K^Q]1X6-6U04VL54^6P);-6%RP%7[@5C0T@TQ
M^X:F&7$M^JEN]92/T`VE7#YBT4^*&:E&/^4C,^%*E;;9N2AMJ&O53_5X"//5
MW>K97^\V_O*QVH'#?TWFN^TS_#[_YZ^_A_"3W6VCU5]+_(%0KY#D\_OBIQ^O
M@L2_B8.53W#V'C;^Z<B9J8NJJL5=3$AT[VLF<HK7A2Z70[*8AF;GPVC=!]6F
M12<Q;K88B!YK(Q@GY)<$[-<$.[0HP*L"LBQNS)6<@(=WD"T-\-J`:*T_\?*L
M"JMR!^9QC$`B/?OY?3\DO5F:__#B-?Z_W_T$Q3-O?,BO:VBR)K.!ND0$F:@*
M:B.UFY8K'ZG+.-;([`BE"G*5JQ+Y.+NU<<X"6*0$BN-2T`"#/2'_`"EX0.";
MH!>41%$_NEXHA62E+H,.5C-BKFRS,S-4DJTEN*N0`#>3]5=>67]HQ^OA&*_%
MS]<@QH,)5I!G;4M=>UQI>$J0<D7;=2#B<M:8#@R/74JG58O1EXBP#(N_!\UO
M[N7RM#I;_R%50+65E[+&T!H/9V;?R<HG5I]%EXFV^\W[B7.>X:[B'HP[;P,@
M@B^:O/?K'0IZIH&10@@$>:-3==5OTO'MR(]GV#YA9[Y^+<>V/^A)OXUF8X_[
M+8C+\`#($GF8L1A,-$9YF'7^[YWRD!<)J%T+'2N=])[U5U,B1[2;'1.@I,*%
M8%^@'DGP10(<Z<=O4'<\1C$(DF3GP0_!6-_+[?/<P*UX]M+[DN4C00Q?<$`?
M:.6C_JP3=!=K7/B@%?&.#A,\&RI\NJ!8=#HPO#.&>N*-#4'04B##(\G62F\I
MH6>2*B.\W@E(5S1/_9@5NO@`ZD=><*-]41P8)P7XMMF=3_5M@MG!$%9RW#0?
MXA6K%2\!'KKV0`.])ZQF'KT@!B]>_)>_!6_>9N>CWT&"%D<_KXHN$?R7[;,/
MOD`LM^#<VS(FS$O.()G_#)+3\<#1'6H10EC%>4GR#C8?F,06LZ;C]-6NH=DU
MONJ)[R;^(I$"MSJS"@V4DEA%A6H9T?/HQ0M"Q-8*TS_E(]R98J#?00F*H78Q
MR%ECTE=U:'8EDGKB#58,=!34GH?8<C>KU0M9D$?!E-PM3I+3OZ`$4C(N^<,/
MGIZW_GK^YL=>/H!,0<E)UFRB.5*CAS05AZG./DKS<4L76M/!H`>.4<?;TTW$
M2"N-"G5H_E>$4CH>#LVP`BE:1W/[J'`UQJ;^5KC,'\4(A8MKVLB[,\,^1L"Z
MV:8.8V2=$.SFRM%+E:.?*<?7+%Y/V",!T6Z;;+UPC3*,4=,X?[^RR3KTUD=^
M-43Z;)]-=>_'+S:.3`\^B/]:2V6?-"O+I^I&R39@"+T;LTOY#=NIC^7KMI%K
M@-N;HP@*.()[OKQ2$S8VTPD?P!O^5=1WQSYR/8;8+2*-%T>&5^&;N6,?T'.F
MI;WL1,>YJBVF\&^"1X4.M:S`]U40^I=;_P5?H*I[G4T-S@9=-C7LHY+[IOUZ
MZ,Z"Y$D8WH11"_V]NG6J(4+IQ1-:$^!%N[S=OHI^^'&Z!R\!SD#4WD9$#NHF
MZ:#6356CBHZ7=6SG5])$U>3W2Q%5TJ#T%(N73)427M1$;:2Q>.G7T4:4)4UR
MEIT2[SW-]NI!R$[7/G18ZJ2&HGT>'[[+.`$OY&V<#O5*5K!5/GOBD@O%=4_J
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MZD8)-]8^]2$%V9R=^EB^=!NY!KC11A;%R=`)'\";_E74=\<^=$N9TY24.?T=
M%^'8L0_H.=/2+J$HKL,KM.^OK\>IRG9/NBX>H6[095G[IBJY(2LMZPP'O]!U
M6`WYO;KGKZ9!J?N(ES2D&J56<,R_Q>^A-E)[7W^\++:::8?1'CR8H6D;^G<S
MWTQ0N12%//&GZ5&NQ;]VD),NPV0;[]`?D^7VV8_OG[TP=?)PY_OD,GV(\,CE
MPS^BKO@77A#_CEKIP[.+H[T+=0=TJE!79GPNX<?#Y./H6%8/8H4F[54W/EQW
M!$MY(QFC!@JX`8P<V$+L]H%"@B`(LI>4*T*'^]="`$(48$Q[K]#->IWQ;X5.
M^[G,4^C(`[)(9<BHCV76!NQ9AVYP]]27(XCX22?REE,A8OB$`,%14%>O=G&,
M=/V[[\6:-'%*:J$RBF3>H@=;)P:ZR'7X=J09&;9/6,/5K^5`SON8&JJ-9F-=
MR!;$9;B"N;-76"2KZC%&>YCEC_5.>\CSCVK7PE:+=%0?];'>62+M9OLKE%2X
MA0'`VP(_7"-W0[]/<1'%CWZPW<$]R7PHS-BVL5Y%!<;=:@:Z+92E&RI7@^;J
M@YY^VJDVW;NH1UVJ?U%89A]1,DB7C.V_E8F\/52H348XR\::DM3T<1\;%TBF
MGT+#S(B&"?TG;^NON_$Y:&AQTT&^9M5P&*7Y$D=)@MAZ,#/6S:C`N%O-0+>%
MLA1#Y6J.->Y!BJ8:JDUW,^I1E^IFE.^L\%(&:1/G;VTB;0L5:A.'6"9R(AY_
MT$MY!O+I]<N;'S]$704V*$AQOY#+$KTZH9!4OH_/S117&<K$MUM]0+-]LK1!
MQ5J./>[!BT@J:#;=KZA#7*I745BDF\N1!O:W!G^K#SG[ITY_8`-$$F$_^`FE
ME79Z??**3?C=UHNWW?@2;;2XQ?):#RJ3K(="-U<E33QN_:TCY.R?8AWA$-[Z
MV)<EK;2SZHA%V%%(LXV28PW1V35J`8_;:+.YB&+T(WJ53W$?0>DX&Z,C&O=1
M@9HHK@==W.DOHR,J"._1H:2,O:J3"?@3K072Q:2\8RA-,(S,X.JA@I&>RE6]
MWI38,?**U.AC!S\I=Z`7:5UTM+AW7^>WB[O.%$13'SKD<SOF)G=14F&,#F'<
M:@5:I1D#IQ<]*?7M1(\<&PIRU,5@Y;<"UBEOQH=L/Y!N4QK>;40!&5TGK>3J
M8U<+Y3O2SU`P`X7F!H@I9<?TL/%'TE,J0\SM/)MF8/XRE]PL.]+'<#0#?28&
MJ9O01R?;QSPN,NE%`)N2GE[HK,;]UZR\BKA8CC7XV\^JWI0/<JXL4];9$1/\
M.7](<`?7[B+MK%)J>A3^HVM)E=%[6EQP*'A&3B@?NW9*?'/Z%O/G(]/]8W'Y
MY>O]XAS,?U_<SK\LP.*_%[=GEW<+<'-[>;:0K-X2NM)TOZYG3NG\-.KPND`J
M,8KUFNJ-IU9JDA%QK%Z^7JUZ0SIW^5101>7N)8P];_SF'H=*KQ84"64WGM[?
MVI##Q9.+"`[MI&U<>GZSJG1CS'#M5)*8M]N67>C6AG1%G7^+[#A.AW7VDLGI
M6&V);[XTQ<6,BF/9/2^.4;0EQKMR?'3)=>8J&PR9YLYQBZ>9#MTOHAOE.W6L
MJ&#3GB9P.G_KR(:MZ8=C)T:DLBY);6@W-K,N"T^'5[/R*.E8:0EMN31]Q8*%
M8UD?/!['OAO&>W#,),EUWBB>&NG4;^.10C-=M@^M^.0[:@Q88!MM$1O=\T[Z
MZG:E'^X9-WV<O:70RWJ72;+SU^>[.`B?R+H8Q:3P[%X>#UR?6E-;Y<L:S`@)
M*@L9&Y#+/`<P9^(8GOK*391RUX,7,Q7/5P@TEQ9@046]HWLDA!6=GYFA9<V`
MR?/I8\.?D9!`'H5D2NG;+(ZJLKLD^F<J6J]?I\;F@5-2T6U:(_]6(XG7O%7_
MLWG8G([&SACU@YU9]@PY8,YP8&[<P9P-4ND/&$.ENJ>QC*H\9A9:(YM/?TS]
MZ)B@'ZT!$0R;"(:Y/I4Y&T2O'[D;71M#;.[7(698X1=%5]'+"U23"?8.&;79
MZME?[S;^\I$_`'./B#D=.<Y0G3LG"TU!A:1NM_(SF+0EK(DS(V7M8\-+[!21
MK#R*H@9O-X.+1%O\Q@;\B=?05?&6OXH\AZ?7ETSGO?HKJ.C.@[=@[8?K6W@P
M1D9W/#'O_$>+?T>>C<#V"A>PT:_MV(.>9[S(VH/.+Y$E$2+C<(:6!'A-4%@4
MG=7(LB!;%Z"%C=579E7D?CA]):_@EGIMV[*'8]0`VID-?W6]=;079MS]2J;*
MS37..M,X,9_&>6A'^H$%Z7L_?K&@+%@SQ=452A"7H&-T;>B!<E&TZ'1@</!&
M#_%:W!^5%&CQ>]""YBD?=7[.+ZI\JCT;)8M.B<4;$XO7@V<'].R"/F]&"SU[
M/V83O)$T&M0!3M?+J4WX_AYM()@-Y+/,NY\:V"&<G@(#CT^M6ZST`'6\NF/;
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MO?"O('SZYN-7M8<39TH>8C^JM/22^`V+HV6GPHC^4@5#3+0HD4+24H=`EH7M
M.*-3:S88VZBZSIE.S94%#DKH.7T=K7:(7S!?,7$\.UHN&0T>R/!3-H;\O$L@
M+R?)?/6O79`$6+30OT)K=AZ]>$%X.E5XL&Y=78RQV8G++$+[3&N<5I!.S#Z<
M,E*B6INSH>-FPT%A_`G(9H`_R1Q&)5R%P\\@.9V.!UHY':XIG[^K"&GB:C3>
M&@_)@UE3LR_`J?#O@H./D:CD6_`G&L?(JU^B:/TCV&SVSHP]FJECT])R8@Q*
M@7W&F^6AT]G0(1MJ=G)8"^:J^;%Y>3?[6973.C'09RTQ5]5H[$S9V)D:XIK!
MJ6,;S6?T1*AF.6I,,M\T'0K^)(-92ZSR\K&,F;/2P+&CH9#R8%%999$ME)2+
M'`\G6!/'GA`9-[<M!#T!RF,(-%@<E!/NU29/4>`??K(]>X;_Y\=GWFNP]3;S
M]5N01'&2JRJX)+WZ;(,GQI4<V&;\V3K51K&7(?'GS0T&\)"BFF<9\7'1>)!.
M`.D,D$WAU+STG$$9NS*%D:U22Z^VN99--IP\03(Q^V*'G1@=L2TNS)3P=:;=
M3ZW!=*@N82U;1LXAJ@+98O>5;!B.%`Y1TUAS]6TCSLHO"9M6S\]+C"ZJ_X1D
M(@UAC6:.I<XQ+2XEZ(XV8WW0VZ<X=!^,MHC#[Q"'W]Q(*"L9*HT[(RYN.HXS
MV'D'%36Y)DM#4BFX!`>MQI;**^.FI04YEXVJ`TYNFII_AND,?X;1$'\&@]_@
M%"5+"Z?SX>;F\TY`'E#-IG)%4\_].'B#CLN;?QV1+S9_B7;A]M2>3EN\@,1?
MG3Y%;_\>A&_0%2%"0/[]F/W)7VO7$F-\:@H0R[=@0NS>8#8<F\O>+"0H=QP8
MD'&SGX"'?^/ET\_OUQYZ22>]8IBJZQQ6O:8L;FVF(SN$U8P?34;D06^#/0Q:
M]%6'#2AP</=C3E"B"QDFJ%`O@I_^^B!+SAE-U&4.-"PLBV4I*"KS;7G2R!F9
MJU[ID-?'LS48''`L'B.2W4WSB97$`SIEVE(F=,.D*0["I"]_..;&$5C)4.XA
M,"+D$EX62!O>+W:)]Q)^B7,()(&?O?*"038C'ZXJBXO;:"FS\-&,T71F]F5N
M"^;Z-&[5\@?J-A\`SN5SIV(UJY4[&Q3LX0RB!::I/]87YZ"%!LVJM1D;%#F(
MMV`MP+!7^^SQ\5A=C*QB05ELVD!!F4/W@T?C,<ECFYG]:%0K[OIT:#4"!2TJ
MD'RU!_(-'=/@%\BUCKJFP#6+RN+,%DK*W'DX`0JZU1/6K$)<'U]6K'Y@VK/?
MA2Q[]<=4;-@ULF6#63^<@%U[4F;DF)VQ2DF!9I/>A(N;LZJ(3;_V7@ZJ#-2K
MS_V*TL+^#324.;0P>C1Q2+)0;TY&=<CK4Z`U&!PH432&\VZV[3*G@3E[<AW5
MQ)J'$ZQ1;]BR`G&-+%E>_9`=LWNGN="]4YH?.U;X#N_18K(8L0;S,@.FJ=?C
M&>ETU!N?L@)O?>Q77OS@F,.3++V?_[L7!PC`8?QZ;.FPU%5KRV)).KK*'%HY
M;S0S_,D0*OSU<6P]$@=Z,QLFYV*I\8LK/AMUQLD-)Z7*>3AF1YPJQ^R6J&R$
M:#XW4:#DYMPM<-5T&:YBWTO\<Y_\\S+,&^8L'[_ZZR=_C0)<EV$1D7P('H#R
M2X<*U;D,%,5$1=$F91(E!?P,[I[1XB:12M5V1AZJ;@8*_)8!^P=J5%YH=!<]
M`@(21Y+1CP?&JC@4C^M2OI48N8\FWR6+*04\UOVDK-$QVU540:X6ZZL`\8+\
MKXORGUML_R=J5<4LU/OU[WYXKUGM8'7UOBPIK5I35.[HZ-@+4N7XV7B0'ES-
MOG:G05^]:6O%P3VT/V@49T7>\6++T"_4;%:]\55385H+2"[_->%7QX/[.?AR
M@WCG4[-3FJEIT,V-=8A4L20<JXXM*2N?N^/+<JUS[:2T^M8A#;@<LQ-`&*B@
M9TZQZF9ZE-2RZ?V/:,\%0X8^/;6`Y')I$WYU3+J?@W>2I-DXIA]D*6G0K3WK
M$*EB2SA6'5MR:D]]?-FN/?-)F9"G+KW9]YD,5'2E/>M1DLNFW[R?P<ONY?!F
M=?FXC[`FR]TVV7KA&O5717;586!=)NAB["Q,2,;B5Y$7)O-P?>MOX/ZNYYM-
M],.#3'<1Q>BGJRA)_&3^D&QC;[5%[=#'T[3CG-EQ?"&Z=(F!"))NR@+':0!@
M^0@*;`"*?*!%6*8?1%9*$3NJKW6WC1$4_*W2?F-F%U4)4*4E_L:/7RXAX6&!
M-HCVGQN\^O%+L(6`M<@&G6MNOFR47'@V.+8U&%GI=S([;"U$EVI77P0Y#O/!
M)B&+<(LR?$E*Y:PJK%>5Y+CV`Q)]AO]R''2&?SJ`*L;Y3?@AKCY>+6]>@B1@
M-IA.4&FG,QF9&SEAH$`EI]*CX9)AG"FV5_Z3MR$02.N)85O5#"W3'4$6X[LV
M-#/>.QJWW[4)V;4AV35SHR)L1*CF0&I,7#P29*S(T2EC#CV2[=YMG]@#9;?D
MATN),68+VIFE/QH&3^L3\H#H<&#VDP+-B&OQ91M1<.=W=XO[.T9>>_."#4KW
M@N[PG;?Q[_P5*IX)_.1T8CGJ^EW6KRO(A`STY!Q9/P?O\)3LL+F:DHT(/9Q*
MBXY[B8M.<-O")!\$O&P^>(QBD$`(C`^WD#;R=[N')%@'7OQ>"-96-=RL.4G5
M@!'C47K<\M=8:F:@K;3)1=',[#I"2@I4GWCHT'"S1PCVXSCCQ:V?FC(RW`T?
MEJ.]-5-(U'TR3,O>S+;CU#3HBN+2(B2/+<^B<(T2Q-870>B%J\#;Y/TSDS./
M/&=ZM>\)88W:CM_\C@`3*F+\+DAU)@-L8&R'!!2'EKD'?4&J5"MM?M3<?"K(
MYX+]Y!.031?JNO'HQW&&G'\6)=ODVM^>3AU25NBHD)J:1<7D@YJ2?=%.]03L
MX<V(AV=V\B0E!?0<_N;'#Q%_H0X--NZ7G1=[X=:'7/V_NS!`_O'N`6XRG+6%
M?UMC*(<E/&O_`3(\:MT9),D.`0<K!)TQ)/NO'?QXW_SM<[0F;KM_T&3`F:KK
M9=^\MF`HEY&NC/];YHV=(3F<6V;G=["0H5K7,^#BDK&`#`;9:*$V"^7EL:$X
MA0NJ:Z%4LZALGJZAI)Z9R83)8&IVY*,9<?T,6UB]DD7Q[W+94DF(KA.V+`7G
MZB9@F^@0F]@W]5I)@9:P'!TN&=L&^0C&F[3`>P@V.)"7QZJ'@[$Z5JU84/"2
MC8:"/*^G8C#>T"'94,,3W=JQU\*:[7BX5Y?SSY=7E_>7"\9;CNLH/`ZRP&4*
MX:ZJKITUH;@F6&),QXAEQGZ-TW!@D^3\S<SF0Q8R5!MU!EQ<.!:4`G/H"H,O
M-$?'!)1AXZYYM1Q`;IJ7!3Q)*[^9V6F/;(3H"B4S8858]Y-VUJ5+[^V:<TM&
MOFG:E&QL6NMJ=D(B$QU:##\+1K)9=KE]]F.257%J#9WA3)F+6EA)C'^;4<[8
MM3@*&ZP!\:+,OB5NP%H+*]:O[^*?@(=_X^"Q@G=[:HT&]D@MHQ66D\!MS<@?
ML%QQ*-[!U'LWNW2]#75]S%>/1,J!F_T`#C:\>X[B[;T?OQ0/__"3DN=<U?%C
MU;H2&).2G`,.K9R##YKDVG!@]CTM-0WZ>)8"&Q>/^017>BE$E1+4M.8E"OUW
M\.+%?_E;\+@+UXQ\?>/%$-19]/+JA7D&R\Q6]_IAQ8)BK$Q%0<;#58.MH6VE
M+I+9>K8=>=4G^U8,7#("I$,X_<J[U;._WFW\Y6-3\D+:(=>QJFJ[)#VL3(^(
M&!,+49PQ-PL0:S(=6T2_F'WBXB=*M3!P8^9F,U&?P>8<&[Y&SWO,JF\LZJZ)
MR0.FCJVN8YD(9K(D3,:>E$6.`RIDBBG)Y+;,OB.62*4^H11%M25!@J,RZ6X;
MK?YZCC;P.R<$^*DU'0[4E8F4%Q24(1H"<M$H#\9'LC'98+,SV]J1UW)`:$7#
MO8^VT&`DA7'_!GP\4I0W\VO$L353UVBV?EW9K%I/3SW''EZECH@!-_MFA9Z(
MCCBX!AWW[GYY]I]?EU?GB]N[?P.+__I^>?]/OBY8\W!]'KP%T*V"*GX5O?C+
M5S_VMJ@*W[(F$TM97G$[`F),S44@XFZ*B;9MC\;D:]CF<C@[(?1<SIU\S(S4
MOJN6%Z[!.IT#`CR)M18EV:+^+`O2LS@YQ9V.U96;'*XFQL[MN.^+1HY&#H>&
M7W#78*S:_:U>UL5_QLR6_2")RV8]YK)9*Y=AJ25Y?;;95W]MJ#/8>N10\MGZ
M%B3<^^7]_`HL_OMF<7VW$&/`W(FP[+'*ZKKJ5>4R9#TM=8RY3ZH<&EZXW(*Y
M;G5XN'R%6H3G^G0(<TUHRT=5<GKJB$%+)Z?:&5@#I`6%9L>9:4G0<FJB1,;E
MTJ5U/JHS<\;JWO]3<1ZBIB0ON:R9,!Y;9E?=-R.N6HTVKNYFOP+R\PG(!\CE
M2S6O^77!E^7W^^J.C=9T,B+B;IN=?TY)@1;M28=+SK<)0%\.50'G^9#,[WG!
M=5`KU`L(J)A7>>UOEX_WWD_XT:W!4.5K72T(B,:=.`@LO+35-GEHC8?&OQ-$
M3846'J?'9U^.!G;A.H".1/"P0Y7NOA>'4"P2=`LMROQPO=17^>R'_F.P10PQ
MQ)F.8UL=RY>6E<'G5+0<<G=IRL@FKAII.V"9G5=$30,%9\\(9X?^$^JF(,+;
M[?BXZ0^XR1D)GH*M]Y.=@TDP-ET-A=#'ZA*,CU:3<R%0C_KQ6QK92+R3Y*[;
M-COYH`5S3=JV"8=].)_KY4"(4A3O6ZSGW])66O-;N:@8-U(3DI?^5D^P+6<X
M(-E2MMG%Z70$:&%1*E3<.V]#"GY0T,M_>=U$[[X/'H@>Y4F)OX["X%@)#6<S
M=;YNS:IBG$M/RD$R?,4,M-\6J7NQS?9H*2G0PKQTN*0U'%Q*]M9_\\.=CYSE
M5$)NO)B4Y$RL054!NQQVK5U7C&%9R,E8MFF.,S:;65MQ5QT":T/`30>06$(Z
M!*1CI+.J$LW:':N6M&O]'.AY09>+:`2S0[;4-&C1L+38$%_VDT_Z[[]XH?>$
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MMIST'<ZAP0^4Z2)?BS!K(,0MK`&V$8BS54#H;_/KKPC_UPJN!+\V60H\O(,H
M6P9X^3K_H2[+08E395*60\GSHICL.,:_5$])@VK?C!81EPP$OZ&A_R"AM^+H
M$P#'H_0&.$,=LZM,<#"#V^O2'MK33\S.3F>@0FOJ`PU&BM-ZX')5YBKM45%I
MKH:CF;I,=W9\Q,1#!OUY\TMV6-#T3P:D>9GAYW=QXK0X:,)HNA>7U_/KL\OK
M+V!^=G_Y.T\?[6H<2&>)&IX:*WR^EAT?)3+%1'^+3#7!0N[TC,02AV8[8N+$
M=2E3]&BZE]>_+^[N%<A4T[$*\I2Z?HWL^"B1*2;Z6V2J`=:4G%'3#VIVK$$"
M=5U*%0.>[O)F<3L7$BN<:5.Q),+L8A/]R#N4H2;*4W47*=1X2,C_XB3W(".,
M$H;ILL),B^J(`"M"::I8/@/LIZ!G*Y-G@&;M&^TIEPYUN9!&2D=UOB05#-NV
M9N25A>'0['LD;IJTV!%>[%+1^80"R:R]A-]Q=/HBBF_]5XC>LY?@[I@O+U&(
M&T&=6B-[J*X]33L"8H+`1>"^]7#[Y.%L9'92&ST1JBT"-29N-A*7">W'DN:K
M:#3`P]7QNIH`L4G,7@X04\Q&\16+%-$,S8X3LQ.C*5S,C)A[4^#^V'_:;1!/
MO),&DGP2<!_-5__:!;$_?_."#>I6#+&Y\S;^G;_:Q=FS%T-20*E4[5-@(D<D
M^$@^%@TZ*`/#"Z,YJ-%E&NA1VMN(;03222"?]0D:CD\)G`?V$S7(BEJS8::P
MU!L2"C"X0!BZLB29?6AV8K8079K-"P^.!Y9F_V@)2/(I\(CA9?"P;X9$C%&N
MXFCE^VMR60IGS\/U-V^+X+\O'YOX;3R8.,J.Y9Q8"8J;M*W()8\3(H[QDS3&
MH=DY[I(HU'*<EX.KFX$AR3(O!`(21H52>O?LQ?YGJ`K6Z%D8/TSPZYPHX7J@
M+C96O:B8C%$3DG<4KYQ`XO6SM*[5[-X@E!1H$0$Z7%Q\[@&KPA"^DN&VKZWF
M@90.V/;@A-*,R/]L'C:GH[$S',%S_\P:X.ZNSL#@GOC<]*@\I?`BY>()GQ[0
M#%"<PE@E\!+MPFW1:&2]T,ZS1#((\X]@^QSMMO/'1W^%0LAGWFNP]3;SM?^O
MG;=ZO_6Q2TC>JYL,!NIZ1TI'5[!`0/WNY>4!TI>:.6:'$Q11K#KDH`9MEX#=
M1R*P`Y;WVRR"!C\(;)`#!RETD($'1?BF*`PU146_BL(HUQ/)7@IY5[/1A#Q=
M,?K%=$>)>"UNKG(R7)P`<7BJ"UY>_'7@;?W\.1)&%9'AF,6,;GV$ZPJAFF2/
MLJ$KYQVZ;\B0#==WN_AULTNL4V<VLY1WG^9$3DS\I>_,<==@7L#C<4^:"HL1
MJ-KV2\%RWT4[OXHHP@$9H!.0@\H-/&K-DD+K1F:5=N;NM<S6=OKF!8PU.<GT
M')E]:2Z94BVF5R[.;C8='M83,@3+:NQOO2`LE&JI>^9.:0M;$YZYJVUTV_08
MFS4=ISTQ#4^W8B=&BY@PH[7OD,OSQEUE8\[A1%V/4=GM1:D(R*LPJMI@PLTD
ME6@CLV_4VI'7PJ"M:+APQ*=`J&US80W"_/B;JNO87%I/&D_6HE_!DNE8O)LV
MV4US8_]4N.MFR$HL#OF11TGN?0UTNH>:&?T#U8B_>1L<,[+&,TM=#E[;\F+,
MRD'<OE%5V]3)>&(V"].2H/J@2XE'T>TED:8P_9?"6%7,K:C)FAG,7=&%K66J
M;0TM!VL99VKV<9&5%"UJFQ$I$EB%</WXS4_@O^`8[!HEE3[XX`4>^M*#WRZ$
MWP%<^/#_O0T*]*`)X+,7_I4E9:,3)YN,7'A!_+NWV?GG0;+:1/#`Z2\?'Q\\
M2-C*OWOV_>UMD/R57'@KGT28KP+O(=A`'CB=(5==E67@QTM,K&3N1R9O`C`G
M(\OL8*LP;:K-CRB"+@(`,`2P!W$"()!/*12`P0`,YP0@2("`.@$Y,.U2J<2D
M]5@J2U:0'R:Z&9O,''@LM*RIX<FJ$JG48COEX0O-:AR_HY2&-RR\T2/*[GL)
MMNR5VU>1%Z*'=:]\+_&36W_E0U/^L/'/H@UJB@^M,<J@1<FO_OIS%,?1#Q2?
M10\?CZ?*+"0?4F)R*&TC\K><.`'"_YF=`2M&F&JC*(2=BV?C\QF9#_8`3L`>
M!,X02(&`/12]HJ?F&;0>BE[Y&34^@%C)VD3)FAT`D4.@%JLG!=4L[^_`T"6D
M*,-?LXI=DIQ%(;J4\</5^RU$&MKA&_C7`**%?OWF_0Q>=B^0P9R1H]#(4>(A
M*ES\Y.[EB1J&-38\K,),BWJ#Q8:0B_X$"C-.`)Z#A".;!="8$Y!.5"X?BBR1
MJ?)186\H8:2._(#H-;/#'_Q$:;(KG.A5VA(A$;GWXQ?28X(`.QU.K6%5]8>7
MQ&^8W2T[97;TES9P4OF;`M<:KB[-1-LZ=<BVFIT'S4B)9HW?@DY)WP,T`2Q)
MLQZE[&O9/>)?J]0IH66J91/-,"([W2NWI9T6>B9>1ZL=@E%16"G.S"7$"#L7
MO9<R.Y\JXN=IC]BYS<DXGIF:.8OLL]E9?*RD=.%0M"'E8K85<"+VH)/[:/%S
MZX?K,WB8#;;?_)<'/SZU!@K?XVM97(S'F2DKEEFW3,Y*@6?H(8Z9-40?9#"=
MSLR]JA`G3*4_(HR=6Y@)[B-`Y@(R&?Q)IC.^&'@HBH&??'Z_1HTY<">W7$+G
M/X/D=&A/U3VP1(^'3*/`1F]1=NCA[+_G@'Q/E`@Z=0;F]I>52J,.B9*!Z+'O
MC]K//+P#`H?TZ]P?"_Y$L$0E[2H(_<NM_X(YS=8G6?FZDB6I@9Y&R<GG[3_.
ME'R<$?DXYO8K%Z*I$\F@0*Q*$OY$\P">*,KV]^A*`K+(1%TOYNHU);-[#1V-
MK([G9#OOH">;T,Z/R<Z;^RX,-SV=L'@+4I7LC><(<79J<<XCE&H)V6*L[3JK
MN+#4$W,S1?6,?C!QKV=L\B$FY$.8&P,2(TH_RU-B5@YNIK[-GV0F(_??;;UP
M_?!^Y6]1(``Z6L5CY]A2F++4M+(8_[/1=-"QK&'F_I.,R2=QR"<Q-W`D2)4.
M$>!#S4VG@70>CH6*')]O?(AJN/70A=@5/(Q#T;H,T5^"-__"]V^\=^(E3)Q*
M>U`3%J6#*L;KW)@CMF?`,OT8L\%L!#_&@/B9SL3@SN)RB%,I!%(P=/<`T/$V
M!0%R&``"`2D4M4)!>?=EHE0<WH1Q?9<)^2X3\EW,-0IRB--Q5R8%TR/QV*3B
M$>3B\0C%XS7E!\;KB(V70).%>\6FWK4UL-75QY;7$[QTH,`_NTJK&(NVVR&G
MLBF*;3M3@X^^3#2HSF:@1<3%`Q';DG[$?!Y^<;5];,\:6.I.MI5+RF/6!BJJ
M^'4_W![;2#',[(FY^ID2>YT\6HU"B3NY8XO?@A"EG>TU]7W@Q\O03[LCW4>?
M_6]YX2N^[Z^*.=:X&TS`Q7A4E(Z,>=G@H$OVV0Q?LAO>7%.(+M4,+X*<FTX&
M!6<#30=P?MYB[SX"GWVPAZ%%1BA]<O.%I)RKQ@0()U5-!P.2TVIXVSM!RG3X
MYN)HYC+SNI>9+9*9",K,*I69XZX'C!XZ)Z_1);V9+S.EA#@F.%/\P:Q4R9GM
M,(D11B\P`LER0BCFPH*MBI7+1[$]"#S$\C9>9@V7T`F(B8&>\@M55`#2[T$R
MS$=F'W,Y*=(B!'RXN5=541O69][\1S^&HD).W:F<W'I;?X_3J36:3&<*WW1K
M1T%0&OB(W+_61C$=?YHQ_C1CLTM^><C1(P7LB.U[>\=PF`CK7P709*RQQT=^
M\.%6XR8;D#.F`X4OJU.B(5,$F(BM%H-&$).AX;:`D135AVQ&?-Q\/(DQH19*
M^12PGW-"6C*I%@L-5L$<L6BQ#@T@L.::$LUE=E\67I(ZL!+4R+GSIZ<8O]@+
M-@5A><TGB4C)K;_V7UX)$L&J:*[0H;,J5ZCN;$`'5B;3L^!>S?/U$'!H@Q0Z
MC<RN4>>D2*]AH$7KV#Z`_42`9Q8"LHK9GC;YP4B^+P=7*4%D43W2=L;P-M[<
M-.D*J/(B6':3]G-/2H+`&$-E9B;*X)"1@M#B]-1"(!$+.PUNFUM9*4)2!TX/
M-7)N0?&_HJ$GV;4"3OHI^$$>;F7"F".=/MN37H=_?L<WWZ1P9.3,U+U:V["P
M8(8T"T7Y2^0-DZS);&R3S`"S_1]Z(E2[/-28N-G(?:[%PSL@V1=<%2]W?ASX
MR>)0UK+T^(&MD)_K%Q;D9Q:*<GYNF(1S"4EMZ71$\K',OC-F)T8Y?[-BY)(9
M8`&.W7J^I'[TRAI^O;28RX1+PL>6PA+XVF4%69R>FIS!:Z?@=$.'[/^$[+_A
M:IN1%.7,S89/*5>.H_`<S[Q,DIV_/M_%0?@$W:$@6M\]>Q#?:_\'_BDYM:;V
M5-U+#'1(B'(Z)Z%[OJ<#X$P<L^.3;(2HYWD&;%S"Z&0X(.,!F7`"R)03`">1
M$8SY"JP<XOPJHN#PB8)#8LBD6_[8[%0?3HKHA>/-CQ\BWO,K'W8N^1W9AP2+
M38`A2!$*?$=PP"J.0@>?!@<E(M%*9HM$',_O@4?$0$='IJ$2F4;+@&=(-PQU
MS*'3+G0H`[16X7!^JJ1(&\KQ!Q"&$D'=VH1FY-S?LW=J!"W"K?\*\7OVDBJ+
MA'E$\6FA$0$)<L!*X($0M$PVOJ:1G@@M)H`&$S>[JLV'5A\/U/&ZDCP>DWB]
M=(U%,1FKGPE1/V9?8+$3H^7JBAFMDM<?[R>K3&[6D-W9?7)S97L?&A!YQS&;
M]&V=3G$0SS*_SZ<@=2H-A!P4RWD.>58T`G'"G>V#&O+"J8&W0>_G0JE-KRF&
MDZDS9,CNJ8$CQO<,R.7-2VKFY%OKH&:1@[$]Q%L[-;=LF),:'1D[?*BY^QG@
M@4QA3,BYCW?)-N<!QQDQ,&AAKAA3MB"1,V)AW+Z5XX#LR8SLB;DA>`8*M#$<
M%3HN'L7(5_,D\;?)Z62@\*U$LH88Z]7AF?FZZ>_0UQKC:F.X)V:?X:H1UN*S
M5B[MWD>HMM3#OTDVI'39X=W8T7(3F9H96+&/L<P-!UCF''.]0W9"5$<*F+`I
MVLMT.&<ZR&6XBE[\>^_GXN>K'R;^9S_T'X,M>L=V.%*F\6I6%6-E>E(R5JZ;
M@25_3"3?W/[L#!1H49MTN,#C2O06)"CK%#U^'.!)8.O]A&?^WQ[(E'^P\C#$
MVD^V!(%T]6L???FIK<YLURTKRL74Q.S9N&:*;=N3H45VWMS3#`L)FAB9"AD7
M_@GR+QF;,C(KX[[!J<COO?%B^/^9[9W:+'Y!-111+J3$;,^#E1.0[.,;?=2C
MV'`.I"%`M1=`A86['_7O@(SCMO[-GYGR`-T%!Y:KLZIGD+J@L44,D,'G:A82
M=!RL&?"1QY"5$10Z-:@VBE-2>,51V$=WB(].8EJ&F]MVY%4KNE8,2+2&-\E]
M7T7B/R&VO/5?HWB+&^M`K_,%2\/G]_3'K,)'90H8.T*"%Z,R=N#@$0AV@'DH
M;II^7')GX9A;$*N&6!UW2%(Q/JRM(E-`#A`4()Z@HJML!&?952VZ5WF'W=%L
MJK+^JAT#06'DHO%`^B@@["/?^#6$\8B$BV;F1N$D4:=%OH10=!N%J+E)=/$/
M<-Q?\(_9G^#_/7B)#__R_P-02P,$%`````@`E5E<1")EW&B`NP``GXT-`!4`
M'`!A<W)V+3(P,3,Q,C,Q7W!R92YX;6Q55`D``WFU$%-YM1!3=7@+``$$)0X`
M``0Y`0``[#W9<NI(EN\3T?^@<;]4/=AF,5M%W^G!6Y4[;$,;W[H]\S*12`ED
M7Z&D4I)]J:^?DZD%,`*40HD$SHJH:QNTG#U/GBW_]O<?4]MXP\PEU/ER5KVH
MG!G8,:E%G/&7LZ^#\^[@YN'AS'`]Y%C(I@[^<N;0L[__UU_^XV__>7Y^PS#R
ML&4,Y\;OQ/'0&!OWQ(9[7>.GL]_OSWX^/P^OG#%J^29<2AVC5JE>G5=JY[6F
M\=]&ZY=&Q>@_!1?"K=]_X?\,D8L-`,UQ?T$N>_MR-O&\V2^7EVB*&7$Q>QL1
M!SDF0?:%2:>7\,1ZM5:OGH7W_!@RV_+BN_B?%Y2-X;I*XS+X,KZ4ORZ^\OW]
M_>*]+JZM=CJ=2_%M?*E+DBZ$AU8O__7T.#`G>(K.B<.)96*XRR6_N.+#1VHB
M3U!XZ?9EJ.J7,=8;K^!_G4>7G?./SJNU\WKUXH=K12"N(9/\DC,@MF$$Y&;4
MQB]X9/"?7U\>=I&:7W;9M6WZSI&\I^R1(N>1NBYV`0CQQ`G#HR]GG&_G$6,X
MC'\5GZ"1;5>C*[WY#`3*)=.9#?2Z5`)5%Z0;!/,%FY19V'IPWK#K3;'C/3@/
MTQDB#%O\8K?K6"_8YN+\X'B8P44/H`A3<>/8(7]BZQ9[B-CIT42,$"+^9=9!
M4;ZQ$?_1&_&/^I1Y(VH3>CWOCD$U;P#%,64$N[+XF-2>#9%I'1(5KE26;^/>
M:(59UW.!HRP&+B7VT#PL,U9X,/"G4Q`($";`(#,C[)E[:"R>$6-@PMZP+*S.
M8>'L8S:B;`IR#OK\3)U9_'?/]\0J!K]>(YO?*$WW&7+H\+#XO%#;!@3>$;-Z
MH^1+KN<+\<)C;MED\6*4_SN<N8?%+5"&>6_49X3_$D+_T6[)*_G,!4MU6%Q>
MT="66`$]5<"9IC_UQ2K6\R:8W=#IC.$)=EQ070YI.@BIJ6R-W@7@PN!WI]0'
M:8#UEYMZ,B)PB^_U1G?(G/#;P!EUX,^=3Y22'\#<I8A1"JL^_T/58I>>##<3
MY(RQ^^"HQ]LD!6,MHT4`IBHMB@W3@(#G-R(F<CR`G8LCK!Y],$I`J71@NM1%
M,T5@`OFF1+BRW'F]H0(Z^.N1H"'LPKRT,)I(F;H#4&"+B<59'JZZ@PG&7DK`
MANZAX>HC!A2<8`^8;J<%4AV#%U`.//@W7!YOD#NYAU4H)15!L4?5VH%!7%;M
M8".5&EAR8'+VP$D4V_/4]*2*(+RE8"`!*%#G.]!F;_[@<.]5`)<*-@MA5=2[
M):YI4]>'G7%W2'WO'G9COR/;QT\8\4\%,5,".7J;%@GEDH\!OINPGDLV,[S2
MZCG@>OB,B0V#2Z364X$B.!+(GE*F;,N0"=D(O>[B\IX#.R6V-[)3^$F=H2+G
M82.RO=%]=/6#XWI,:)`T`G1$"F63A.LCZ*W*]UG$QP9<(-)[$4356IT$T9)[
M#&X/0Z;G(_L)>>'7X+G%E\H(`G%A^9E25Y$(;\=DR=8#4B9F#BCCXA;W&_$F
M7T%-D<WC1\&V4Q8Y<%S??57N?1)ZF>)&Q%46-=HE3*XGS!^L"+&6NIPUZW=)
MR]606QFB+,:2!*.$42&N*HLB`K:I8%"U"Q$0@"1*"Z*ZZ*4`*=YG9HYWV2HC
M70)&"1%2MA]?B>,&7@QL*6R?QW)?&?4!0NL6#[T7S)=_DZ\"SMA]M=A"L[<^
MPF(R-'<0\2SFN53\4C*,,]G;$".G;,@LV+>>O>N-;O$(^;:<IQ?SCA%JE1?=
MU0QD)@0)*2]Z\$<VKI5.W63`5Q6"R0R\A&D/45!EX._@,72.\35V\(AX?3NM
MQX"'JF)O?7@M9HQ'BJCY/14P,U4[H%58%GH4?WY+WHB%G>#[/N;&K>LX?K!3
MD-&T&3BJ,\N=(46*MHJ)A`#.E+FG+WC,4Q*4S6_0C'@IH[[,/!0X,NQCRJH"
MUL"2X!TSE25J@HPQ6#;N"*1+R+"#P")!'I>I(L_&X'R44A1:.*&VA9E[]X=/
MO'GZ(+V+RP-UAJQ-@(*RS`UR)UW'NO7Q/:/36SRC+N'*PP.4Q/,ED@W(&EE$
M45PR`"MET%&5VDQ@WPO>[O2:,D;?N6N23FN&JBH4K#=1',09=X]!QI#]&SCA
M?#-\C9SOP-5??<00>.C8^H?O$,H&_A`V)_`DCR^V?'WCRA_Y\.!Z@6SRX&_*
MZI#1Q!ZB\;]=Z_`!Z>10NDP,75EPBV^$7M&/M-$L9<$LC%R\E'A/%QA1Y2P(
M2\A3K=AQ1>`XO>?LFJIL'P@^&&H"*A!L1M(Q#*FR<8R\B8#(;]@:BX"ZI%Q/
M%%G?8,WBS$/.?$GMY!*^,W.D"+X!MK$)%NV?8.W`DMGSY74YAO<6>2B=O/UA
MCM1M*J:$5WH[%G<'9IRYZ8B'L"+:I2H@DO$1>1E1L>5.XF<Z_U!`JW!COL9M
MF8TDPIY:=THFDZN,I>M>E8RT#975IRISKJ0*<)=<+%682OI8DNE_\+34%0#$
MKI9,^E!9;/"CQR63D%(7>$ATO&14S%1FSK>Y/#)B-B&*#.5.ST?&G(/_HPC,
M]`Z0#-^Y&Z0*X%3K>*8,H5C1E27#TP&^5,B69^F[0,T-RMX+Q>\.B8H?WL(T
MF("*2".!U37P)#E=4GD%A%65!89>UT(ZHNXNGB$.OI.J!73ID%K*(B]KT$:>
MS-T/OI;@GI,1:((/"?4ZC7NCGH/_%S/Z\?\>>Z)RPARP@-+IX?!9+AU4@]%4
M*48)_KZ4^5#7U:C,X5\71GA8]#JYGL&E[0"('D+'1XR,[;E+B"M;W%-5/V>"
M7]1!*ZP4C?=!"U$+K?0]94M?2U6">B[E)0X'A9I73\%U-A'>]37VWC%V0@'D
M&3:?IZ;@GA<0,[["CT;@^,9].^$7LEBRX0BV'0@3CRFK-T[`]38L,("/DYH[
M9+&P/(24^86)"`1IS@?G&7LYXV(2YU#H9"O[]I0I<U*!D<2N#0^5[=:3(,M$
M/8#QH.1+Z%`.O^X-;3(.&NI`8/G%L?3>^XX59/5]*?$%Y+C\#BF:(312MLW9
MCF?8D/Y,O?_!WF(L3-==ZLH&K0WJKXC9Y_M1WLOA2FV5!*K(F3,$1GLV4U;1
MLP/7Q19[C:ORV(`[7P@6WS`93P"%<`80B*$_G0G!_.J"6>6E]IB73>)UR95&
M\ATAW[.*PC0607=%!L.+,\D@%S]U8V:VHQ.$=2*[LF)"UEFU4,4'9ST>%*Q*
MLE$A00&P.&!NAKQ8'+RGDHMP3EP/Q+@XSHL_!;/YH!4SHS+.U&WB=MC-33VV
M\D:3M],6@\2=ZY&IB'+[?'<9783FTIVU`A,\&JKK4?J0'9)JGE(FXLGIH6R1
M=U-AW#T1S(4<B._!?@)A`6IAA?F^D'AS20Q<ZH(E+0J-)9LI#;<RH#]624EM
ME%25YV]+'4I%9B:JNH]VY@Y7IKE(I2C,$1FJZOS>"7;R/!)9^,%E*0,"\7P:
M>?C5%8GM0B"3=>9`JVJ;3)]_EK)J/`&M".(T5>\RL`;%[ZJ`W3T]2PY6=?GC
MU:ZI;(*J;J3":N.+E"RFFHL+6SD7GB^4]!$^B&X@G@UW5"L-X]Q8)!G@C^[C
M8^];]_GFSKCOO1B/O>XS_#,8W`VB=W&P<YAS'(",?WB8![6"F<H1T+!U":^R
MT1#;7\[@@__[^#@>SN7^:SBHV/JW'X[Z@+U<=^B*N287C7KKHEJ[:*]2-`1>
MC'<>(7<H9CS[[OD8H9D8AWV)@1G1)X+VYY5J."WZK^''F0!:Q5YLT2B+.)8:
M_1N09N*%LS.!A-=PP?>+1@<`/`2RB:]/A=FR-'99A.4([%V.//9H!HKQ!GGV
MY:Q6N:CP_\Z,&2.4@;/^Y0S^\%W`B0HO>-$BA9BYH@OK$\/#*RYG8OD\-R?D
MX_08N(*_*K10CP&[-SY//.P-LR$%DO!K8UV_3%3VU';@JM*H7*6V!,9/83S%
MB"8+&(O1`@9QC&C:M"&&8!C(L8QP.K@195^-(+)D+,)//QL_A>;OYYQ,C;+A
MY?*V*ZA7XM%OD6D7KX7'8]@PP"8&&((?P`%T+Z[J5^I4."40V6U41-70OW+&
MBZ=OY$6LQK5FI:(,]WT@R\>R996`R)KE1=OC-G3;Q2_47B"OB&0'6KP@0OM*
MH8!M?7=)1"@U?2(AJ9Z>D.SC8C2/WXU</Q(BP:"(Y/[%5:M5589U>C@*=RR;
M'_4H&PV+-+PI!",!A?4%19P;$O?@+%][2Z>(.!>U6KNCS,;F`F)VU>$Q#\RX
MX\DEZ`E/AYA=5"LM=8M*TAMS40=%S(X49!>E0E4XP=5E@?D+1O:=R^.Z"_S5
MQ2(VO_>XY&4;U2(#>HI2X[@^4&!96ZJMAD)I^?B^XY"2;50*I:-^>M*1BJSA
MF5Z)A.W^("Z0M=-0YLWE`F+VE3E?P2N.0KGX+KEHJ;PX15J:.R\*=!84A;Q@
M4>MT:J6*=>4B6?F&__8)?*U0^)0C7IMILQK*YLEE,9O]"7L3:L'"6:D6$FW=
M"E8^4B@9!4PA9^EI><*R)AM^5!,LRS.'L4N2]HF5Q4E(>:J%,G15?*#H$`3*
MW1V)-@+%D2^/;&Q+(AL;GEALT)%(N!KQ80C\:'%Q;+&Q."XW_S1KM@.3=0YU
MC[V,(.UB2:NUU15^R,-3CF37?G0\Y77\DR?`HE+;8%UJ5)MU=4FNE7>5,)&U
MD1:GD*SJ5&[1W.TCU[OU>6?^P".V#7:%^7`C[!!K5^KVX/L#>+A8SX[%1,J@
MIJ=Y%-8IQ,TM0\0VF>R=(UK#$W&/*NJ$55I:L<$>+>9+!!MIP+?1["C#6@*2
MHI6M\U'9LE(QTJHC<%P\ZB$[9YT*#0\W-.VK8M4I!*5TDI69CI%H53ZG:-W]
MX2/[E?[*,/A,['6"G)6UCI.JI6[?F0>(18MB-H]"ANZAB+;++Z%J7(IFY96V
M.Q^IHZZ.(!M0QRF'VVD;2E[SLTI>':C3^$B=1L&E@&M`':?D;:=MD=F",DA>
M,J5;Q[Z-2E=&X3,69+MKK7:Q:(>@%*UAK4P:ED3'XXD`@UN4NU;I0F]=Z*T+
MO76AMR[TSE5JGBCSQF@LAE:[/6>-"/6KBKK=VHZ7'X/\2-#O=.O!=;=`;MT"
M5Z<G';I;0'<+Z&Z!DG8+?,(:VAWE-I^C3C8E$70M+$FJA:U+U,)&)<F\&/;#
M&*+AW!"4R[\"=KT.6KPQY)0N?-VWEV5#@T^SB`:6=5C*4>^:G7RG&Z392A,Q
M\"O69T&1=C$"M0K)$8C3%M*=;NQF"T6^.O"5U6?$X6<>V.$494$7=199&I[2
M"U8*,IYN5.>SE^7KN51Z+I5.5^Z7KM2I*$6IJ.I%X]36&YU%R"V+<(+.KBZ!
MT"40.M.D,TTZTZ0S324)&I=[6DLAE?^G,ZVE"!=*(N87M&-RT.O-=BTI^I!\
M2,_Z`THCZMM1*[=Q6X$]M,P<^EI&QN2XBJ61F$06)*!Q1$SX1KS)8(9-,B)F
M'-.*BO(`I:0U)@UGMCPW?W9ME*1$AJ5%^<BX^$RW(94T*R4M'S<^N0R<3(=V
MX:M5'N44Z8]\,W[Z,$]LX$^GB/$3D40UA<*A8BNSQ!:O!=="#Q3+,)!C\<2D
MN&><6:A7%>;`)0`I1ZHR(^6.IW-,)RFS)BG311/$H8/_])$-S']P+"+>%/GE
MG21O->\DYKYPECG)F2</=!+T>`*).F&A$Q:Z9[.<B?(33(7J-)=.<^DT5UG#
M5_QD!GAWX.9UN3_IBND@@DAMA1*U[<U[-$%L>&K$EW:G<G",\HR.2[%KY=S:
M5$0Y3F']@(>Z\XGW8VXB3GVP)%&@M%-5%SQ:O$>I(&YB122*R>B>KLLL@N+(
M?@(0`/X0\T:UKFYR=M(;"V7Y+A*<KN<[\(?@[3L68E:(]E5+X7R2M=<5R_9M
MR)]N&\HM]8?>R+>C'5Z]IJ[+<O5=A7)[,]JG.REDTXSQQ8:?CQ:OJ?-)=@.0
MBTSLE0#;-9!]`[%..0?TB2L+\T_[?++*0W4$5%69V-#DE=FY1YY1XZA+9-H2
M)3+/B#%XU!O.OP@F?O2A2UV4S!$^P`@1$.8W8OE!:BOL'W\(#B@D(X*M+KS<
M0?PX(F3SH3R^VV.O#'P_&UNW>.B]@(HPW_2`Z:+NJYE`C$WE;CF^NY#RE[71
MR<JH>33A$LG)RH%M?,%O!+^[3WSO"&R;AQKM=L=CAL?@;(:4Y)7!K78KO81)
M/KX<0K0/38XFLB(I)UW'(WS"A8>M@4EGL&Z_(&<,/VYH<*`YIT(S::#[!LG8
M^<!RR((<WD<38Y'E_N<H.WWV>22%\]9QL>ES+^8WXL+=X&[:X'PR3C:P`S?(
M-GU;"!U</$&,"\3H'C;C5-1>7R65+&W0@SS>68[2T]RI=[IAK&37N;_$(:!,
ML`IQR\.+_1.7G6:2MFTRN#F\LQR"ECOUHFWSZ0F:H&UTM*G[2I_`X^68<3U+
MW#9M$)Y-SRG'(IT*RRCT5'HF*UZ;&[7C7)S[C+X1%Q@4:3V/:L.;>MZ$SSKA
M)N"BVJ@U6^J03`%"(0JQP#;.^<L2*]2.5GFUHQ-HAR/,N+57+>03<<C4G_8Q
M,P&P%_R'S_OJ7NDU#C9]V+JHMZK51GK[F.DEY3">^],G.L*RO+*3VZE3KR`%
M[H3:5NA'?)L0<Q(2R`U]7'L>A@X$D23"<?N^K[3RE)UJH6AU/I-H@<E>A#'M
M^=T;LGU@ES..1B>(:<B<2A*!N+U?6'[ADJ=;?#STJ8F7[GD,DXLK`A?50VP>
M/-(^2(.C%%#YZ)V:;L;,U-6MB\?3'+*C+4VW+NK61=VZJ%L7]7&3Y9`??=RD
M'A2=YZ#H$\R^Z>YHW1VMNZ./K.%4=T?K[NC2"6M":ZT21A;32;S&MF1TR\VB
MK:VP:@)]!7<#KP?L=I"@\`FA6;H[E;"NN.[.-:9M1KO`;5L*=HGR6&']K^I-
M=0YR_)KL*[-X1-0G76^JDZJE%^4B4EM('$G/!MQ*'G=/@EK)?EV6(\F1JJ!*
M(EH0ZVUU`R967I6?#&TB=1Q+VH3A";<*/Z$?*SBWZNJXNORJ`W)U$X815X\[
M%Y&^\W3/Y/"*K?UHCJ/H64DM[6=NB,^)[9^D^STG:JEJ=:]_0EI*]K47.`T@
MC[[VID1?>Q^S$653(*:!',MXIL[Y;/%1S_?$>"3^>]0'DG\#_`(&8"Y`L`!@
MZ?W1Z_5Y$*G;6.*3-9:;N4-B<UJN4%M\$`_(:;;KU?2-4GN]K!P=4OG1ZX0]
M?5TDJ0^&*$TII3X80E=7ZAJHPFJ@CCODH6N@U-9`G6"9I:Z!TC50N@:JI#4+
MN@9*UT`=30W429X0$<?LDKKCXPHH=3TL*0`X9'7*^ID2<@0Z72][)<"[A197
M+775#.E@*%1>Y,ETNJ[W9\Z]ZF'DI9V6K8>1ZV'D^QS`$<11`(M&15U@=M?K
M<S%7>6<;=Y_'D4"[XTZ\Y9'XKTHD_E^H;0,GWA&S##HRO`DVXD2-`5\8G/9&
MD*,QAG,C9J\QP&.NAOG7`2R!U!LE7W(]C^$(P3AT/4"U4GKG(FUP;IG$@9&-
MYMQ5:JV..F0E0"FD.&"!]9:5/AWQCF8;!W:94&O@(>;I09I[Z,XWX"X?SBSD
M()ARK@;K+#`5HDWKHS;W)V?YM[I99V]^DO(T"1'@NPEPF.;"L*H+"66`J!R5
M:_N2\G1GFDB-]%43E"[I^./UZ+0DJ4YWU(FTLU@]>0N\Y-(J0;;T^X%J/ON!
MZA&=FQ#L!^X<&==%5P=O#(ENDHXH!-I4E[?(#M>15?^FIK&N]CV>,JH-A9IZ
MEJJ>I9I61O0LU2SRHF>IZCX"/4M5]Q'H6:H*FBA-073P4W_%#F9@;(G[/=*0
M9JN9-$!ERQF%FY]V#'(@08^CV3WKYA+=7**;2TZEN427G^X3R]J_W+0$(Z&*
M(-@)#@#*H\BM)E'D-O"G4\3FO,"MSXCX-2P;<_EGHL0M+BC+OZ`M?'UO%+X\
M>G=OM%(P>>@2MD[I[9-4(>TS]GJCV]`]>W"`)YC7A38[RG"5@*20A%7GHRG)
M2KJCV:-[U$/V7N[V[OR=$E$J>^YS392RDNYX#A.7$Z7/6[!U0VT;FQYYP_'1
MH5@<*;HX.A0$H-T^9!9J-TSEJ+?9GYRG&X//?.3MT6O4)D.:3C0ZZJB1*ZR%
M:&":<Y%S(O_11"GW/X$[X?3H!,HHS+9F@JFT2X`D.4\W>2^AG+MI5N5$:Y2B
M<CP%L*45SKP8<-J9/5T`J0L@/^BB+H#4!9"Z`++P@C9=`*D+('4!I"Z`U`60
MN@"R%**B"R!U`:0N@-0%D+H`4A=`Z@)(70"I"R!U`>2N`LAZI2%1_BCHFULU
M8_"T[%6*>\1!U13-%!0=WUX,*JC\"G2]AKN^\]F8K:2ZH0W><+:W%![G7O.)
M<Z!6D;93L;,<I-9PTD&H[@>*5"N=MKKSN-,#4CX1RTC$(D=@*Q:KI6-WX5XT
M3EAM'YR(;%%)\0NV><)7#&N&BX(B8G[CV"%_8BM!024.%E4/4?GD\L!<".6Y
M?8+RG%1DF3B(?%W?:^TD*557MIH&K/*):BX$CK:^E1.4P#YRO5L?IUEBKJHU
M=>GJU'"43\:RD3`2JE/T_K9NM3>?I9ZP!M2RK,1[O+1\TI4_+2/).])C"%)O
MX9?C.#TGA7HV.G5U&<!]("N?5.9%YWAI/4I1W#=65JUVUF)E-S=?G[X^=E_O
M;HW>ZV]W+\9-[ZG_<O?;W?/@X?<[$3B3CY:9IC_UA?\MQN7>T"D`-L&.2]X$
M_S.'S/J(>0YF[@V:$0_9*P\.7/S%&2J=JYJR]H_T<.Q5TO;QH3Q0OI#K5K53
M58;AKK?G8B/V8>=2?5)J,AU-;=MZ(\K>@P*JG81!`2FTW_@I<@GX@(#N5&1L
M#+"V\:%&!O4]_MT=,B<&9P=U``YQ]<(0&,(2&"O<$H?I[#5D8)>A60H=!(`O
MP]WSO=Z(`QW##)?M>N*^HPG6GQK(["T&_+!UC1WXQ>O;/(H1KY&B*_T5_>B+
M&<1P`^,KZ2T.?BYTI-5N*#,("@'/;B/77W[O>R#;P&WFD3^%+O1&OR(B,C87
M[6I#W9H@!TLN]O.@PA09W.PTC\UOX^C,;R:=YO@O#$Y0T;3@PSVPL=N[>>CS
M6Z@3G2W0I\``[!&&13)WB87@^P+O(L)>8]AZ8>#C1;7>JM4/KO>'0>YXU:1$
M0A%73M8:6N_V)7%`W&;KQ#1.Z]J^@A!K64MKV=[$C22"4[BCSF<K%#>M;_N+
MQ/$,49)3NG1.=I]C.X"],3'Q#9`Q"(UREUM=8&@?R(Y7XO/B1]PG=V);H'7Z
MK%(&Z/_*@"-$<-5U@1U#FXS%MT"?2O.`\IH>LE.2UVS\B%ORFO_?WKLU-XXK
M^8-?10\;L6<B=C2B[GJ4;;E*,[;DD53=_]Z7#98$V3PMDSXDY2J?3[\`[Q)!
M$B"1)$AQ(N9TE:N*2/PRD4CDE;P=FB.O24R9?ZK:B82/\-VS54]HB_9GO%\-
MY>#-M.<$LV"FW<)O(+]7KIAYX!&^/H:D7SQK(6<(PU$.JDI`I5:,T<?.5?FO
MR+RCC$MD'TA.P4WI'%\NX3J(0)!<-S43R_0`YV-@T4BK7O(F(Y5Y.Y3JC9%!
MO_A>B+7N"EB8>TZZ.H^'8SA84I:NVW$?Q1XJS+@&P4-IW:N79L%.\(,$VTI6
M%A/("P_SV+9-[>?9=K+@C!=G;R07N$K+H!CU=1-SYEL-@KNU<8GF*!ZXG>R_
M$J6UR7=Y&1F(Y;*JQCF,,C!%L->U-GWO./VC.5@`5*<%KVHIJ:'.>S(M%31\
ME#KMJ&B655)[KD*K5:7TXA49XD"K==L_$7G92O&\[/LW57]%5D?3Y4[#]NA<
MZK+D73]YG>:<SC@#_+8$:]?$0@&$_]/]NM=ARW>$5;)#@>W,\K$SV\F8!);<
M[<@X]U-R*A4W\^FW=*@AL)GV0\<FV8ET<@@=1KXKR6L3.1S#%4/P$E.*S"=Q
M.=)N+2^"#7ATT,U<-Q7->09<O@Q\"##_X?P(&:M+(34\$+6OH<!@!KE@2WD-
M95EB;H]"8L`KE(TFO7J8OEK5ZX;6F9(7!+DMA,P-/07--LFF'%6@],2P]JGX
M:$#&9V60(CR:3,>T+0B__5FH$=-.H1`#F>0Z`\?:V``?CO=N:V,]P-')(P^^
M2OT/B'+3!T01=D"4&O6B=P_(0N=(7<N#+J,_M(33P<+*C/"J`M?^KB!UE9T>
MKMPM7I@;/.TC!]236APE-Z'W.DN/;&,ZHHUB3MA&CB4J.P-<I7$L^#3U"2TJ
M7L1X$JH/L@F1)H&HU2;*EC]O(+?K@C4N<!U5:-Z;7Y`WA^^B`>=K3B0JU,6"
MAF/D:_A78$X&$Z?:_G^<S><3>I>QH1WMRCH;<-AAP@F0)F,/%MJFFG`%LSA"
MNR2.G5O]QRN60LF04#CA8*Z-+U=\(TPEGFZU_?'\/-_\U5D_=K;+;ZOEX_)^
MOMJ1JW+]8[5;KKYU7M9/R_OE@K\5[O;\3H;UK(];[55WGGRZ[8T]T_37%^.D
M[;4B(Z1BGPKD:ZC0IB0)G3Q'6;;`=9<&4*2G_43IPVV,C0A11BTKZP+-P`^1
M?Q?=:L/K\?59Q];N\W+WO%CMMIWYZ@'_WCGA^/>=I^7\;OFTW.4YYU@%OVMN
MV=I</]P;#FOP[YXT]:=V<I+^<Q_RA&\3IH=;"X1'Z4W@QF9PD9)?%S`M$^WP
MW(<<I<U#BQ#54)#AD<[8.5&\;:W1<QIE;\F,>@*>HS166VP!/#BOYKOYDS-<
M<OM]L=CET12ZA57V@5AO=^J)##78OB%T7<O+8P20]CWA[3'NP[4LN%RJP`%7
MK3<LDV2,#9;Z.U7_V^J.IPK@*8XO*.863\<^.(KI^ZWW>4N?S.@-8+M#JHG5
MSP/Z,"S-QF\:%P1%F<P`IS&F+EZF`'#`T.`QG<YK=?MFF/8.F>\7I?[#'N"`
MN<1URQ0!MLTW>)HF':=9#>XI\I_%O\[:IWIRK"G[7C7-+WR._U!/9X0U^7``
MMA4F$@#E>)9PE[%C4I^!FK9AJR=V@7Y6S;^1D\(2*>T._'L#MW<)B$)+6[E,
MG<:*0)-'6KI0=<>]T018GY5YRN.["NP2^7G(>8Y?3.,#F?87J7&QL6HC:NW#
MZP?0549]P-R_M*7+/,C,$/A/E2:^5>;[O7F^'"N]=Z=&>Y,%NZ/)8`KI54]?
MODR!X,+"%XHFOEF^&<;AEW8Z$3_;`*[1A;],F3RF;LWG91-?(.2QO?ZEX\]K
M1[34K;-)W&\8GRD<8^EKELGF[%W[/*^!B<X_\Q[AO:FG[TY07'7\+5O;';G>
M4^`ZXB4M6R;CF;;NYX4V\4+W`-@@XHM'%_L?P9WXA%4KX'SJQGW&-_'2?C'1
MAZH=%K\_D&ZA^[-)B'%GEN_=WW25(;UMDRB[/HN`<JU[+CA\R6BB">!X8;W'
MK3*8#N!BY9&52G<S4S;H,[6)=SRYW:SOZ'3P.BT^&Z;]JKXBC$!_W(<[Y8GK
MELEPMLW['K@F7O,.`EB=/9$NC5;X1/UF&I;ENZ7=3%^,QF@,YY?EH*1T$<D!
MD"\T3301Z-#!=(L2%(U*8N.#!Y3KHB$<[,_`-L-&!*!TQQ*F<\#B"W8-+!S.
M)/TD,%;(WJ`/?#6@0WC09U.PB`4S'64&-?*!$V3GU$!8^`(?CVYZFOX:0C$_
MG8Q?Q#^$K0EW?"$I)2#&1*\/F%C*04FI[^B<`/GZI8G&MJ]6=^IO%\5(CC.)
M%DUF"EP"8L;B9<H&!P[^VTMIH#A$=AU&_GLC0!L[OF!^DVIEZ!HU-2^R"GY&
M#P#'@+&0($2NF3CE2S<W,#>7PWH!A#(!#"%EKE^^>/!!TN"4UC348`QKD>K/
MST/N3@=N`!B$9'\5<#&-&?RT_=4GPY;7FH^'^^:'3V*J6D':,8D`3>`2[EE(
M*%]9<0-3GXQ5$>%P'XLG0W_UH1C#E>(P4""5B%!A:7)"ZW^?=;R5[?DGWB1^
M_Y)V\8;MA!-Z`SC5D;!J^:+`LOTF1U,>T$_;R>]W6E@XKK+USY/VZC6KFXR'
M<'G.Z6M783^P8E&C4`FG6>$$E"\L^V$/L`7#]7+E*X#4#=<H<E#D+8-WJXQ+
M><24?ZB3MEDCIRWG$7:2O]Z,$]Z?13+[[:\`I9$R@\N/2%ZW_%/-AD&-8CV%
M7!7Z(8X'.0R#42F."]KRE2J";$!J5/C"J1V2Y]1VQPJ@6S-Y72&BP%>=&=2]
M,('18&<W$VP@F26%BUJI^R&9<3OC6;7)%[\B[%1ZTRE<FDS2LN6)=BQ/A@F)
M^KCJ>;M7^OU\UL='ORO/"W$.$XQ#2V`"5^O)0H$0\<BWU<O*7TKXNQE*#Q:\
M#).T/J<K3\F%^WG'CG*;0"C#\12TQN)Z14''A_VU%*FP2-U],\X.E?&DS9RA
M1_8]409P[J'KU2KC>-JV&WS,&:`:]27T)5`WLS.1:IW-K^BAG4R4,=PNXBN6
M)<#A?GP)SMI]#0+E,U>*=?1*XC0<3][#07,I?U&UPU(/^W7[9[H[FD(V4,Y<
MOS*]Q@=-@R/E&_S"(M..%ZJI:_JK%>FZ3N8@[S6[JXQ[([A^(-D$5"8DG-@T
M.5J>=V(D5`N9T@=OYE(R^4%K<NB=`4H0USR$;45SIT\&/;@L0Z"(`@]/DF--
M%WNO=:Y`\>[:`_;NVIU_N*-!WY"M[=43_T"JQ&[;%]^]A(FC]7:#G(I<SO-'
M53.]%T-OIL"5A66N+X&_E`^C!CN"+GU@*S+5-W"$3>#,Y*1E)1`-)D0:["RZ
MW/^3AJ_"@P.U^P>(M"$C4,#%F!DHD$Y.LG&J@6=&C,ALWS`QUOQLO^'M_1L=
M2)NB'F0WUK3%I1.45'0:[)GAPA`DN@]K==&XO+2LL\/A\8PVPA-._MV%RY?]
M6/H"(RHU\C5Q9C#0`%B?;<M6]8.FOY+3#UAYG[&ZI,HQ"9\F>Y$BKGIL<*Y-
M!]6#8WB^D`DDF#@2K(2[1AD(D$!<.&&JD=.FB,3$;(J),BPEFB^AM<4(2Y-+
M0F(0>#<N/AAP48R$1664B#@<-:HB*2X-T>MUHHQ+5!1RF1ZLP#2YO.0BG<1%
M@>23].`2`"DK2B`+63C4J)`$9KKJ-"W^L]WA_[CCF=>/G?OY]GOG\6G]9[$Y
MJ\%JUOI(YI8]GHQ?!>:M'OYY]D;W[8P-VAMX9:>'8!BXWAEDF1?3^-3P-^^^
M?EBD#>7Z`YDJ&<([W]O:YV62\*@'6&@#0'!^[X83\']`6$HPPYPCI9.NBZ:M
M_=OY;5<9S*!G0:8L+T2#E"(B%_7*K(`V.-H`"3I,-JA<!Y.,?$*._$2$9WTD
ML\))3U12(_EBHG?M_&Y%IY>.QC/`A-E\1$E_B./9N`+0KT%8*&_"[C=5TPG@
M:YT49:Z/%^-S>^,AH`2F+%U#,6,&L@;Q(U'"=-D6FL#@-@HO1YXN5V^`2*7!
M68?H3.ZB@DO%[:^%T5B;VBMI)87_X!&YW8%'L^D4\-;D(*6&$I<;Z3J$??**
MWXOZY>#_:)@1%-9'?Q[,]9R8KC+L*X#&+2\]-93#8I#7(:*46QA-8X_0P7K$
MG'%OA61,1CW`YSX[(=++'VUH<QZ0FQROPC`3]RMZ0.Y_EWHPR-AM6'TQ]*.K
M*(,^X-.!CQKI!3"N`(O`78=`65[U%\?%!P1?&1$T)G`1,Q82I)<X2M]Y3F";
M''&[''"U4W][`S[OD(Z.FMV=3`&[;V0L7C_1XD"SR?/NXR?LY6)Z+#Y=PS[@
MTS5K?>D%B^663(.T#L/8Q=V+3O`J1-6;6XOQ&)0I8C0J&B%HV?#ZLZEDOB#S
MBINS>]++?_U+Q_]..V)$K+-)JD"]H9"#\71$E335,C\=^5'ZGO20GV1_L892
MPXE2D+^B-$]@'#PMXCPT3/*&=ES8<]UM4N#/^1OU00?'9U(@O8C1'!5<L/HZ
M:8*_**F$%6KQL':(?SFI>F`!3/ICN-D:]$7K)T<,X/G::2+Q=997=C"J-"2#
M(:44)`?#&5QU/C\]^9-3XJ9-,-M+4?I#R.%[20L+.3\B>)IL_E$Q:G`+@@)H
MPCPURCPB&_RF_/*R7"GSK.X,TS1^D6Y=^*Z=*H!/>&9"JCY!<5LX)X8-SKR*
MQ#@Q.&=S_T:&(!W]MD;#OEO<`!Y#CB\NG_1P8-7@]*IH6#+K#/7ZD!7+C'14
M+4BI@5UV!#V1&DDL4A7<ZR"]YLJ\UMG7NC=T_*`ZXY]YCRLRHTX9D#!%]4#0
MB*OZX,4:]PG$.D@UD]A-EF]>4`'`0;J6E'D8HYHY:BL&<X3)Q$A\T\]&D%U:
M&&BH^FA1VK?P(N>7*HWD/T"<C5R"S3]H!%C]8%WV+G%K/;S.7V[/;64X4`!#
M8CE(JEK"DLWOW+AZ$B>S[U#P,^Y/U315I_9CV!_T2G_(^<O+*TM,>/ER([&F
M*BHWD3,5'06`C\^P!+&AKRZOU+"@Y0M-7]X@5UZA2<#4K35+P'34!Y0C?H(*
MF(B>#.R,^?Y?9\U$R2,E/9-GX':2@#U"C.1`GBD^_E^?J5QXUB#6450S![@D
MSW<<#L:`[GYF0FH@6VP8UJ")0@6JN\P8,XSFCM73I$P#)A4UH&E`S*14?:P8
MZI(8<0RJ@R4VI/,WMKX$!;]%?363A<\8LGE^+JJD%[D\Z-8@)`<B?,EW'@:G
MO,I,)IKJ)7A,R-:A)4)NN0N]*!DQ3?^!W)^54Y+.0D[5PI;JE>+'L]'-#R)H
MO)B:OM<^U%,DS*!?-B7Q2J/#YC?D1`+.,2I*7M62F*KV"N/=Y(+TV`LS6IH?
MQ6,X&`'F(3*24;6<,;S06?!K<FEY_''E5%%LD'I:6*3/*3E:,[A:@LSUJY8A
MAN=H&F*^QQ#_3EK9$::,'"`P/A_(M+](286-539)5_P(#A7@2'=.<JH6+`;E
MQ(-G(&@2)P@)B#9'3]]U9[AA?P38?86)"'F%B@.[6^DD=5&;^F*<M+WWF.[#
M#:/(7+]J"4J][[(1"]300%[9$9PVS()JF=FR(,$,]K624EE',@!1=MHPEVQD
MI`WGP=H_CF.)K8)\:<-Q,SSI*3?J`8Z<8B6C:B%C>,8PX!=H=XDM`W&=BBYR
MB0.0NX/)>#3B:/+!^N&J182E`0P+)!$A&<LJ),*R9#;H]7PBC'(']'2'P_Z4
MIP-,U@?E$PH^"/RWA,SVH.#DEK16%!A6N!`H/SV%[,&P)0<Q.<8CR'V%:T$>
M""[.1:RU!"1JD"W(<%F6B25P^Y<:)-H)?INR<*',)QF4+F)<*^F])`409;]-
MN60CXVV:!VN_RT7CGJ:1@8_!>,#(H$?`_+NTE86($M_6^(6&=D7<QC4J%%E&
MCT`S[L-2D65LP%&##C[Y6PXRP`ERE1;6;M3]D$_-]0/Y#PFM?JHG8GZ^(,RP
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M,UX<KH2OY>D,[FB(HE+(J<HE$!?C-`3CW0R_3^'#!_.(ASQ\*1_O3I097(9=
MRL*E'Y&X0X(-E?KXY)+]#Z"JIOCMW^!;7;@>!CFGI=Y[W#CYDI-"0%<9*@I<
M-+8@=4)T'9PDL=@,O#RH0S%(/K=M$DH_=!.I)^W?Z/#=.!TT_?6;JND$NK4>
M]ER8XZ<V_J,'_%O]U?5]![S##YU9'VZ$#!C=<DHWLT4LEF_UL1:$764/Z*CI
MZ.!-J"7UAA:#HH"KE1)&9\T%NQA?&OS8$\X2F,I1>8TRBF2%*9@LI#F2!CBQ
M!XQP.55"PC15>,[5X.%6:&JO0'/!,Q04P/["`"377=Z%<:L&62BB)3T_>T`&
MCLA['1(*-FA_4BU+.VI[]QP$6I542L[7]TNO[>/Z&`I>]`DQ\1K[EHY=,<HE
M51"QP2]E\2XH7*N-HMCQC8T1SJM66;`)G"]JO4I`RTNRG/H!7CU<<\O7"P.)
M]4+B'*GBB4M#]L2E]<MB,]\M\5\0EJZ45!C%D:6T4$V=S+K$YN'V#:-]IUK:
M/HR-389PQS)UZ?P*BOK9[JSG%F&7MQ,A&H*3/?ZQS\2@!@_<?-/?_D3:ZQL^
M)O-/?#1>T>K\_A.99`X>ILE:GVW+5G7R7G(14::]@0(F%ERT5"DN^4&KCS>5
M4XZND7S03F>"4`3+<6GZY&IQ<;K1^S#1#).R=P,B\)EL2M*0%"1N34=Z$,1.
M/3GP0SCQX*2F6K$I`EUC=:7[I`@,TP#%_G@(U_0]8='\NG&IXVTCB_24]<<+
MNFN$==G!QJ:`;6O8Z1!R%)B9%W;!RH-3?91ICDYI+B"+WQ_XB8TBNQ_`-=I+
M6+1:D4A!H#[*C[_7C('O$A<`%[E(;X$)7*OXQ&6KD0$F%&I4ZE9$#*[/`48`
M;IA=\KJ5"T(*#C7*H\S3.C,5,I!47C![R/VPQ\H5(@GSD_X$<!_T94L1YECJ
M,!,(]<F-Y$P)INY^?K2=*0R?FH6W]&B8I%&N6]"H3`:0`LY#C$3BP@98C;HA
M<$N1'W$B<25:'S0WUN7^O9WZ&UG/FNYL/?+6N/P**:VWOYZ1_4::K/C-F0FB
MO0E<.4F).ZE*?JMA58UFE.42?HR4IPR\#$6\>P7T=4A=M:K7838$=9@I5J`7
M*:WJ'ZJ]IN`>"-PZ)'F[@0](?B9SGG+?$6:]^*NXO;]G/<#A[0F+5G/(&1#P
MV=_(QW]4Z(.)V#OCWGA_-W0'BC?CA/=O>3'405^!ZYS'28T$>H(3,E^4:N`]
MX)WCXJ1K$0"<N)1JJZ'W9#P=T[1)TBB%Q"]5HR$8=Q:,Z)&?M7D&Q5\^`DE/
M2&PP.UEZY!@XT\/Z8SAG(0,%%4D')S2>F,Q&S9.22R?"`_HP+,VV_M3LMT<_
M-7"I6[9FG[TFXLI$@2NOYJ1&D/3D#\7273%\*#8X6'4)R[.AHZ]GU?P;V3Y"
M!(@AG-&:N;ZD`I2%5'U\P`5%YA'AC:JGQS.V];?8/L,HC&=EJ9_KQ245EE2,
M:E!Q5U128DA&RHN^[B^+#B+0PO6_*T"8=")6$-P:Q1G$R5\RS*"A*D$I7#GW
M2K3.N,I-5G5T$L-RC%C5*$LE9T`7`_&(@E*PZ.CS:.X67$M6=CID5+\<T'FB
M5(/J.(C+/O#J>86$Y)0I<,Z-'!3!BE<>LX?CND^%]P82;E.@(7.;=\:S:I/?
M?Q%@!I7*W24]M9:Z%&AOP&_BQ;"C/H`>9)$#=56A\I.9MIZ0Y4V%X`:TCK=]
M[XW_W3,#[E3];\<T<'ZZ0:22&SD_/'RJ^AY9P:APQ],([V`K2J84,B8&Y-M1
M2[QX/1GZJP]7"25-!:FLI4A2(;X!;[$'UW^?=;RS[?DGWK*FDP86#^@G)N]L
M(N?F`,R/X:!$"LEBANH&/,A)&()ZLO*4S[#L@MC(H]+(+T66$UULM"W7R.4,
M[T\#J:$7[$_+N=>=^IMX([J#\8S:S2LA48GYPZ*?S=PL8_<%TJ#PCX'\AX"W
M_)\!C<5O]/YA.WC0&NX4$0WWT_42#@H<_M.Y:>*!02!;)[E_FD4RO*Q'[7#>
M:ZKYA7^\,\\8JF!X>!=?$A.X.#`7+4(DBJ,XW!>@_(`UVOOB5P[AAY5F&>87
M@0F;&=,9I&.7MFA5<L$`08,]'9$&U^H)6>NCHU.=4MS>>`3WBDQ<MRHQ8`.B
MP6_$N'[T7-&&.=_OC;-37-CK3<N\1F(4R'-YI(-3H[<9MZ`0-]SZEXX_KQVQ
M(6:=3>*1<Y'LCOM3.(=GVLI5208K&C7*?BG>JL<I+PBR0#PPE,%@#%>;RT1#
M54+"#U"3&[ED`PA3OE>HLQ/;3AP>CLO;0DD"':\R3-UX<_L.7%J)T0[NGJ4(
MV)HQ=6TYS.8T0/S2,OEE@ENAX;^)[4#]L$'.6./`6=_OC>#F%M(7%2T'F3W7
M?$%@P*#!?I3U?G_^P(;?ER/U@Q'DO,K(4I5Q.W&_#7:5D(X['\1/Y,OV;-"#
MLV>O5ZN,U6G;;G#"Q8MI')'SU%=/KD-PI$SA3O7U<I6Q.W7?#79_;<\?'R?-
M\?*\&):MOJ+@"IL,^W`U&XGK5B8!;$@TV</E=&!SGNADRU,X)1\N5!FW$_;:
M9'>5EU7H>7`#G]V]87X8;C^^%Q.]:^?WX,:;3>`4`"\UE4E*$=B:[,YR#D\<
M4#(0=@;7ISQAU>I>!`PHU,@O!-&G'-HE*"S1DLK&P;@4UVS)<ISFV:3MO48=
M-3E=FPQ@@2190@@PI9H`WTT?ZA=YQ[X@S!LGR8?DB?79T^;8OEJ6Y,8RY')L
M.KB6&Y<]R3:R#\9S4W@`9Y9T<'4S3!U>24.DP6Y:U@%EI<A%GO&#I4A&"BH-
M=N]&&J2&77=]1,A,9[QR=Z(,X`)\+!14)R6\^-3;-UQ\AK72^<_.@[$_>R.L
M@U^J^J&ST/%?^^HL]:-AOCM?\#=QL?^TX=7^]^;ZP?T:Y6/<8ZO3/AH1D8F;
M&3MFLII8OIG?TG,_N4&O&OF2;J]4DHO@YN&-DP^IA?;=5^/SOPY(<\\G_L7U
ML<0_HGY>R!',B72@LM.W[9V]*KJX,O/L'G_%)-U"#^CW_Z"OKA=E$,:TJ^_+
MP[7DC?LJ4TZV^9O?X7_5[;MM``1P*_I9&9B4L,T*R\PX>(,O9,W`VS[@2QTK
M!+<*2B"3+KXO$[>2-NYW"I.3;7-,^H&0_WA27[O*<"B(71??E8%-21NML#J/
MXU0]:M9>/?V%5/,1_\3J]GNB[(N$%61@6?;F_8R^.C#/U0_^#D19&HEKR,=`
M.@!^0H><++P_F^:%!`;Z?23J`"8M(0,#&;;O\6\B)__<33]J)V3>8[I?#9-8
MNP.A9O[%UV7@6OJF?0>:S`R+>'H<[XZU/MN6K>H'IZ/O3)3AG[V8/.QDA"1(
MBI*9O2_GGR=M_W@R5!L+IBB3,_9M>9A'W[#/*TE?="[I?Z+3Z7]TXY>^1:IE
MZ.BPM*PS2=6:BCV%">O(P\-L((*,-9GY^8=Q.F.H3/=^L##YHE[HU._+P[_D
MC?M\D_2)[NE_UQ3;H`_#)!6;9`37F>RB+_8RI"XC#Q<S80@2"BIC9M'`C:(X
M@1ML<Y\,ZVPB\IOE]OYIO?VQ66P[\[OUCUWG<;[<=/Z8/_U8=)X7<_(GSXO5
M;LL?Q`F6L>8_C;/]J&KF'^KIC)ZQEL,_I<RLYHCF!%^[6,9OM-0;P24GIJU<
M(*N'@LY2_\"66+C,#N-S=W)&I$XG<#D>7*0(.;]\S`QR@O)"5N\DD*)*8*@H
MO?QJH/./[?X-'<XGU#&.G;EE(=MRPKY/FOI3.SG5L1V/(8>.H7<VI&C6Q/JT
M0Y)RK/_H_.,!V:IVLOX#1J/XY*V/+G&DA5I(FD_96@_H<LCR:,H?7$8_;:\\
M^&O^6R-#K$?3C.NSP!CGJ]7RJYUG]9^&2:)!UOH8^2I&ZL%X5S6].Q@H669`
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M1:]UYB>!%5\I,'NITP;@'@>)I(A^)G`Q..VEP`1>\]\,#&^GTIRP>5Z8[(<E
MT)?/Z/TG,O'VE'*W=TV!V*/!P\C4<Y&"4WV.`W]?$187/:Q9D3?>(B3ZD&PB
MB+1"ZF)(<-T3Y2F00I=L^H[=P))SE_;]@P]9+YFR,)A>Y&!E[!2DX]/@TEH:
M`DJ(`&!OI>2%99<0"CZW<'5&$!@$"/3+U2&#>D@(!9]ZUUR7XRN$%2-(7R$5
ME_FGJIV(C?1HF*0%=QB0[8Z]O"R0'2>O*_BY+HK=02D:$V"UF2K(?9`>D*E]
M8MP_/:N\.QT"WL#7JTDN'&G@U&:28`&1B+S/NM/!!.[>I2Y9&^%(@*G"XAY@
M"6%.^P$1%B$Y4-1]_=A^,S`8NI,9_8JP:.!O7JS@&5FC(6`+6%8JA)P/?E;Z
M\I\'K`:_69X-TWY57[&>V?^-#B$(3F7*X>XK"M?V`ZL8`Y.R(%W]/DCZI@_6
M8`CXO!%#8\5R)Q[H!OM:_';,Z,[0#[&3J?0!6]FG+EVQ##'#XC^AZVGYBTA\
M[XM-?`\2W56[0VRSCF.<D;3WE:'_9]6I[SYU\_"OK_58$*)HZGN;:MRF&K>I
MQFVF39MITV;:M)DV+(<E>@4'222`TQ09B9`TWR8=K?J<BP)1H2_'GKL_J9;E
MJ)=^;U!&:OC5L@).P:5=>EV$^4,W?A+[EP0PG%@@_F,#&\(GS1&W*#VA@H2K
M3H2B6O1%E"4<"1E+(%R0NY-HC9/8J/L)'WP/"#\:T>$.Z?@7]LM)U2-%\%Z>
MV7`Z@*M>XR*EPK2]W)"UJ7DU2,UKTVK:M)HV-:]-S2LB(6UZ;YO>&TK(\OT#
M8X"_;F#[P-OY<#"F/CL2AH10/B&6Q^"O*E\<LL"0V_IWIGAND'I:6"1!9OT+
M6W^13=",_P2.)G^IIHQEA$;NCO9M%FT"+O['ESI^'3F-$BV'PP[7(\'!KH))
M'\$AP$J'Y*ER^?!L;M)ML-\G[5]G[>!PQ!OL:3E=-VEF5-(8TI1OR2X6K#`T
M-]<VO+@^/DQ5L]33^C@__/-LV<XA<5"@O;JRA('^N;K(`P,8%<XTJTMI"W"L
MO.Q+V3>EO47T5VR\(<VQY8@9A^7AL-0_D2LL^"+Q:H1!4."B1:Y3%PNPY\>U
MP@%UH`'VC:J_(B<RA$WYK-$R^84H6";_F7`^$7EVP-(J\,&6`K$OEPE[DSRJ
M0*,:Y&W`RQ%ZTKJF:^_G=S\E>@!8(7BQE#@92H(ZR!9/VF&#?;3/ZN^+/4_@
M6KM?+%4B5Y-VV&"_ZLUTJRL8HV]Z1[JV.699<G-+#3!9<G/KWKU8O&)A1*T^
M'8H%040U[^5I/UR^H"1G'/HS.ZM#I7B56)]S/,KZL?.X7,U7]\OY4V>YVNXV
M/[R*,?'E7NLC+?H@L(2K"9I38((<[%9E+5M)/ON\X,F=$1`-M)_?7<MGKA^>
MD?UF'(R3\?KU:)BT_HZ1/--A"95<><D3&S,.?N8N23,H(\#TAR,X8`I2)SQ+
M0Y#PI$68\Z)?Y=C>TL:Z%,,?-M]#LL,;62E+A@:34G-!N$F4[!@S)8H4XH-W
MEF=-CA/?=/U"FYV>-SN]R7E5;7*Z@.3T)J=;M150`BJ@JIC17I?DJ_IF1,N0
M_R?`L&QP?#_BFZ+QP/5*]Y6>4H;K,9$"`79>&^MD<$]RB`!@B+,&L2U1F'%&
M_095O#V9VCQ_&)9F6W]J]MO*<)A]>%9MKQ4BI5>`DW]-ZRJ4D(S.O8"8DP'C
MR@F[/A=!K<&74A085EAH>6D,PM1`4>)%K,EY;@AO33U]-]X1J9J]4_6_[PS3
M-'X15&FX8(T+E^#(2TT=!*\(P@UN?D%:".-W!;9V-!O#C!_2:/WSI+TZ;$HZ
MD5..ZBSN!>H@3,50JS)!#EB<YON]<<98OZA?Q++$&.&?F&<4?;C2X!F-)W`>
MA)Q$U4$0!>`=1'X;*(YBT2\_24%HB+,00O>J:7[A)5U7E8_,8#SM#2G0)%7J
M%EE,PN/(EY'!A69C\S'N\7<U>Z-9?U-G"47[(DR&5$-#T*0&9CHD%+SX;(=<
MJ/I"UF]BU$M4<E3YB2VB4M/HYT^UWAS3U7I;_.N,1>5T$36+V`CCZ0C.)F,F
M`_[TY1*&X.#E@;/!'K$->CV?"(O<[/^$M]!T3,L92[`:&#XIN9#P@M)@?X/3
M$^X[.AV\T:,T*)3^6(%S;C%0(+DX\6)X`_Z&L'T'_;4[A,MR82)!<HGBAC&P
M'!LH4\[Q2D<"GZ[Q$%9#U5F<.!'TA:D&CUW^6838,-R>\?=UO$<'!+IM.(%K
MFL)$@N02Q0VC+U.C!LI44^?=PUUO///N1_WNJ&D2(PS:4<.\(<2*WAE>"L)7
M*!?1YJPS90:W]4P"Y#I:H]C9XD30/V03>0_9S#UD.K*%'K!DG_]`4`0E91VY
MI"A/)6LV?#<5,O$RPB_\^H!)^$PDR"5D3#&25!A]@:KI(&Q@A<78G!E2825D
M-%TRMSL=`E9)7J]6UAE@94Z8L92,BE\OW#PIIT=GYO8%>OC9.*1=P9"!KBL2
M))&:V+W,C5]MRFQYNT@4QO;Z^2"-ODPRX+'=/IU6\/*1Y"RPOW0N@9*_3#37
M^R:>/;VUC?W?6#EX?[1!I$D9"OX$H]+K30%]!MP422M81<'UZR*:)7+74<YG
MP[1?U5=RWOKC_@1.LA(7EE:`&*&2?WQ(;CDAI=$D"S\2=5HA>X,^,!+H,'\G
MT4T,PV@&J)&8"9%;COBAE'\D1AZY\A+IPS$@2WV/-72(2G<T&0"*4^;ZTHH1
M'W)^+]AF20^YJIUI;T_:$6%LSR9Q677'?3?<!",R]$6EE1,&C/S4I68)AZ`R
M`0$O2B%%%QENN,@:W>E@`I>)15VRU.Q]5H;%O7()(,E_M8HHG8_W%'#JOFD#
MW7*U79!)!F(^-@X@FNI=2VL*X`#0SR<)M96#5!!JTZF.U\<:=X/,#Y_$)+"V
M;_CQL4/F.W%\3."<]2PD2"U$W!C*[Z[,)TS.D.6PP4-7&4S[<')SM9K4(I*&
MC/R>Q'S2L-3Q/\"/4:],_M[))"4='%:&OG=_TU64\8!VSXB1$`8*I)8:7@3E
M]S7F-%7X1JY$D9U.*.WYDJR8?,L($2%Q6Z2TD6-J0E?Y.)"BTX$&"M]LH.?%
MG/R)-P_(P4/D.*!H?USWXY<[SS,#Z&*QH!/I"+`I5<K*^=T4X=2K:"/66+-5
M#\'#6M^0N*^)I?9.M307S1W&[^[DA.6P`J0U"Q2#@%!:Q=PV7-+@JP,XS!M<
M6'T%50@.OH#-2WP":&83P#K:'`15*',%X:MWZ\&BUYG2&UQ?9\O5'XOMCEQ8
MG>WB_L=FN5LNMMPW5A@B2LK_X;B:PH]%Y&%&[30@RJ:/+9C_(HI\;*E[_>6>
M5?-O9!-U1[+OHCE')"D/F;:JZ3M3/6#1=<4Z9%%$/V+JX6K"H,@6HBJ8)")\
MX93`@'I?4(6'9O8&O3Z3)NG\PS<2.L:Q<V_H#O/.ZJD3.D7)GX0,^8\"<S1I
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M4>XN9M6FR"0;K$UN3RF"![-ZOI?$`4+NV(E<2,AS0F="WI91B&LT$,0VR/B=
MTMZ489<8_'B1Q!!/(U,>*17^EJ2RHLE=:8N^6B*`*52C6XY'9.-DEY45ONRV
MKT?J0R;$C)B.-#\RW*.Q5C(I&N*@"=JMRV4R5!S%F,57;(H,9L/I2UX3'X9)
MO80N@2*E8)J.K1^"T@H%;;?\)@R]60_N)A=!HL3"*IP#?A"CB<8G&UA)MCH-
MMREUJ'J9DLM,;>V%.!]??'ENHD%*<+.-=Q;<HO=4'+#!>*IP#$,6M:[D(BD<
M6E\6FVB$YKB(HKW5Z:/4*C,!ZF"G"D/<+YZN@:>TY"O_`B_`T=Z"J*R]L/+Q
MP9?;IIJJ.>Z?Z!-TJG!,IRRZGN2B)PQ*7^:::DXRGE&*.YAJAD^D>!ZQ4"NY
M`$/QQ3=)FSA@K!ANE[827+LW050V5G[I?/#U\*"!<BN$"R#M7RI*M^&XP>DQ
M(>JSO,_1F$\\!?*<UUB3'&"X@RNG<5UU"@-W:7/.2I1/">\1\7))AS>X2AHG
MCPP#0TO.191'NC@2#J-@^<JK#N/Y^+(*.29@@@A-.2-$862'#SM?X=1@()\@
M&0IG"Y4J.C64F`ND?&4S:YRR807U(GH12_6&<\@7IT\>V<N=^,D&?FVZ>8.]
MPQ-";&-E4L40^YI'-<6![@MF#4PU,-'\2\/WS`54^.DSFW!X/O*O)(^0Q5Z2
M@N`+2HSD5W["7HX4@)*BM@Y6'#,/A"S:%*EC`C40P,9-4>#'BA(Z<+`:0@H@
M9=%&"6`6J($`-F[R`C]6=)^C`]<(4@;IZS9*#!F@#22Q<5,?\IS:*Y!H$4&!
M.K"A4I<(8R!KC8L8L(7J$\SB"5^\*L\Z$LN7$.@"CU_C7A0<\*2:OE,0(:OA
M:T(TH('H->XMP8M4DM'+&8\ON&2#1"\+T$#T&O>*X$4JV="=<F8K%5^U00+(
M`&L@@XU[/_"?UBN(%$B]UTAY2X0PD++&O1RXGE<.)K3\(Q&/4GGD*'=3LSA(
MP9-3_AG:@G)&DA`9L(L-QZ<E%IJ\``6ZIG$B\ZS^TS!W>#%K?20H1#`QWE5-
M[PX&[J@:D&D>6:L+$:7(AQ,&E/CBP0-&;>9]Q`<=@;`R[^BK(A.;4L9_7(\)
MD9Q=S)('4HLBY!A2]_5C^\WX1*9.6#)_1?K>4[;A"L_H_2<RNZ,AU1TE9G^L
M5`@16'Y6^M*;!ZSZ#$K@-(*9803)"8,[$<_87GE57]&=NO\;'<+O+BWKC`YW
M7U$AV'X8NF5@@!=DUO8'F5;FB\!@V(>KHQ1#8[FG*9;])A[H!D]SN#?,#\-4
M;71GZ(>8OE'Z?3CEG+ITQ1J9&9;ZC$W@5,,7")`9EVO[#9DQ*`;CR90C,L[V
M59F8S[9U3PQFLQJ*@8A1GFQ#@2]'>2[UHV&^.Q\E8SWW6"5K^FLG8O=W?FGV
M6^>';B+U1)[ZG2?#LB#G>T9("BF*$$2"SB$Y+C7MR$^HE^7U:H*?E>W(SW;D
MIXP\JN'(3WQ')GE8(Z[9*BIY&"@3++3)_,R.8/#A6!\7@,#:'`Z(2J[+%R5J
MG("0F>2:?C;.UJ5E\F)8&F%^M*YK.JT`%V8"@>-'>20G^\CF@O\6YRIE`;7[
MA4Z?Z!G_K3=K;3X9^BNZK$F$<WL!$2V//'-<0<+85!_/B,#;*0N])V19NS?U
M`L4H>B,9A3R5Z$8*.3.;&FR")<'.?N&1-AQPAEAA^N217.9TE7S8UV@<B:"\
MIV*7&,&N_)Z[334UX'ETB].ABMU@I'LQ;59)M1)>5SL#GD<W,1&R"$]&_=;7
M$Y$HI>]*T_SUU42OJHW<4-5\OS^_GT_X]X>E/E_?+YTA>U0`N9/(19,FSWD/
MH1'WL,C'($\-C"0N;)VY6D!W-G4HXTGM0^G;"$R0]DJ1>5[2FBGSQ1CD9U9(
M?//EE?FB=D.@1$($R5]S&C./.00<B`Z9I;D4Z'VK;=+*;K(RH``X+$%V,^AH
MHNQR05^''MWB;0T>OHS:%P>1>Y;+7*$!)MS:JI%U-1)G7?$QP+^29![Y<WFL
M=^5XA&G*<%3"/70#]TXJM,%HZ0:^:=L2VXCTM"6V;8EM6V+;EMBV);;5UW:U
M);9MB6U;8EM6@-.I'J3JF@%]?J8804M<MF)-S`2')PXUR.@H4E;;UENW]=:^
M8.S4W\2L?C[KVE[[4$].[;%ODPQFM+ZI8L0B9>&*A8(1$D\D9(ZR@-9>#QEK
MKU>JB4^8]HE$UT\''[ZE4NBVR'9<K39FX-$WT[`LFL1^PWJ'A,$LRW%:#<;3
MWHS"N01?+^-G2^53GJU*[K>YQVI5LS<8&OUU:ZOZ034/+X9ANAM1^A,XAUOJ
MTJ7RE1D$/S=,4F:VG2,NN#3ICF3D4HJV3[$]J^U*\(+,/6';J]._):X`7PS3
M/AHGS=B0Z`U1@"..(2M\7Q<L9\E,\&6MP.9][5]#JSG]TB<7GD[BGNMC"(1S
M\7'PG?Z5TOG+L!E_$GK3^$A,%OK6!QRCX.A?*9V/#)OQ/:!-XZ/C[[LWWO$B
M;TBW\#-QJ>/GI).OLD'[DVI9VE';NS`?_GEV(7W$,)/T%2^%(8K:"MGKXT[]
MC>_5R9@VF5*@_Q2"[M*%KQP.^*9-*[\9Z/G``;O^!9-<?ZF]QMUW7C1-8&EV
MX-7<=Z2]OF%[</Z)3&PZ^BE=.V2^=P<3A9H-D7"_%EJL=)D2!XWO=&Z:\+".
MW\C":<`N0@*6+%V01,/DQSN;)DY).:-9N'`,',^Q1.GB4A0&OPBN:>*Q^(W_
M`:8ZT<OI!X`G`SAG+R,10H2&TZ?MRT\.G/Q,?SG=P6UJ=(2[.5*C)64KKYR"
MO'Y$GF?J+B\/[GSN+N$G)BA#VJQ',5M+6UF(T.9FH"_+K-A4*,>@-]KE_J]W
M#R?TR>O**!=)N#0U)M%6C-2J8B1MER!)X7G9Q>S_F1\.FHOG#OVVS^HIV-=@
M/*5FNW/X>Q(_#BYRL<3T_'MO<`)Z6P#5%D`5*8!JG)'6UC^U]4]RUC_);_FV
M$P:KJ7AI7'Y/6Q9W(0\\97&-RQ%BR%[W\1M/E9[05'V!+M_\]08<:?P4("1_
M3N?8%-MC5"QW^6D/!H%.>[1NVGFH%JB+BL#.)(^4[=>G90*W'9,(!0$RA$*A
M30[@E83PD_)+0L+V&^Q/R>EDRI]05<S!EF"5XT?)23NXC>)2"@>>C8-VU-#A
M+Z2:EC/SF"/[.M\J@MV&^9@4VNF%@:J/4N0TVUY,8X_0P2))EVZV97)>5%<9
M]:9P'G0>4JJ4KYA>S8UA@Q7LO6J:7YK^Z@S"B`-RF4TUUP^/"$.AGKX[V<&J
M?J?J?]\9IFG\PM]PCR+-FY>DLT0N+I6HP<%:GZX<P@;P+'5ZMTOK?S$S--OM
MAQ!T95B=B8&T/@9_JZOT9OT1F#H$HEHJ<2Z#,_7I0T03;!'=113&[B+;_1LZ
MG$^H8QP[]X9E=^Y42[,ZJG[HD)E&'4?I6.1/0_YW0J:)[DGBD[,^$F(<6HA&
M\Z<K6?1RV5MJ8-)6Y-?!=]:VF1E7:^HVM&N"D![A(`$:^!$(Y10"\>'86!^!
MV)&+]1(T7D#>#=,F5BLQ6;KC?J^*8>`71`@Y3F4/]TZ$L3YGK)HAFB!CNJ4[
M9=VQ`CB5'-CK"#-NG`VL^KR%!4T1=X9,P^G@I&7E$11FE\L%4G[6:$]^01'F
M#8R.;9XI,S#UDKF^/,(3TS)\V/E25`.?,J>Z:0=>LR/B9!U<NG/I$\ZF-%"X
M&TZP+"?/">,9TLL/9`W::HL?`'D%$\F/H</$T4JPV&KRB!N'[X,;QBJ[UU;2
M`"4"!\%I;[SJ!*GOQNF@Z:_!G+P!AUK+OY0\,L8^=9`70-^>D%G$1`]C3L?H
MFY_PQ]'N*_]*\L@8<W<>3OCJ,%L5N%ZN[=;2#K)LVQ)4WC2IK>-NZ[C;099M
M(7=;R-T.LFP'6<I0L5N'H%D[R+(=9-D.LJQ^D.6TCOUVBJ::#WH#QD1SY]$F
M*$O<_9:`=.\Z]HD+4^0OXT)K/;*,@Q"IR;C#_^3OKC*&-"ES4`3N/HB9C$5A
MJTT_EP)UT=:]-YZ#V-#WANY`>E9/OH_U`5^0UQ`ILRFMB8+P@\--6ODB)@S(
MYG:5"D]A<DQ@@_8&O@1.FL.5^)$<PM7?%26O2K4F`%!/[N2W;2&JYI3X1.ZG
M]7RUY;982-%M?N-DOM\;9\QZS#2D?1)>K9`=R,%P")A8G[9R?GO%@6-EV-AL
M,]4#FNL'YP4>KF*%F$?$LC\>#<&VFHLF,:%0+O:&<PB+8E@?7S),1>RPUZ>>
M[LX_5JKIU!87*65U^>-]J&@U:N,TP`:;VPL+\P:1KBRV>=X[7"*8A8-P24Q^
M3#OQ"2D-3!^M\,CR;SIX82@U/*'95P!66D](M5`$QP=O57="((9A!/A*92.B
M:B7/AU)S'Z5,$((D.P`IP=!07[Y_J!H&[M&]1_37<"4WLV$XF2A@VV.GH[RC
M$,OUR`>6W$.6DH[W!CFI:B^JZ9;D]$<SN!N>C0@)E6`*2K7IKLNM!"E"3][R
M>+^1GG:.JVE]I/Q=+[[1[P-6PPDAL8AI:6D'O`*VQK?GGYCS[XBRBA>S&8YF
M<*XC'DJ$G"\@X0CMUWS(UONAR7L<_>OI*>PXT9_!)?.Q4%#`1#G_?"%\]K-K
M'%V\^/WA/)C)4V5":XZ2\#Y+_1C4`6!@1V!B,&^V/A+-&?)GTB!W7\DZQ,FX
MQ@B/P*Q5(23F/Q%B=6QU"`FY@(5<2/SBY!]8X;R0)VT\"]DB;T<N^'BX(P]\
MQ2_KLDYFOLNZ(O%(A:OZWFXB8@*Q+IE>3&![?G]7S2_2]I+8!9V@6WCA(('W
MY?61_"[XK*B0@1,B(J]GLE3(R9"#PP%<4(V5B(*A1(IS8(5LDMMW[28=E^],
MIE`BU)G"S>`LOTH6=+Z6ES^YL74Q1W)!HN+BLS[Y4I@"WH(YB9+"^9P;QOK9
M1JU?\:I,XAW?Y.3^)FSWRP!Z$]J4*U'5$?$5Z^`GS$*J-L-H<TS(]'<>QOK#
M_<-EDR>O6R]Y24.MN1FP%_[&M1X#83#LP04I,A:O@_QPX-?<[`B24G3&QRBJ
M<I4)G-S$UZN#J*2C=.-AX]:OW_KU&^W7ES0-B->3`^J`$.*J8W=/%W1+!`T,
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M+QR`UB\0P[JYLJ(N(J3EQMWGW"S-Y2MO8NNZ6W26YY86?L]X#;J8%8C*-3%R
M*T"5W%J8-F[H1NU<UWDR&$^'-!LLH;:!X9-"!"`?Z7DLIVL;3'*[B>']$W_^
MA'Y!@AEM9C8SNWE6DT`2!,(ECR,U23!>KG;Z<$8[@R@]9\L6)FU]O)1]W^]"
M]LG1@:+(6N)S8/UL[0M>X]^H^[UY5D_KXY*T/\:TD+8P2OF9L<STB3HO(N4@
M*XLV'_CU]L-E]YP.+="N0KQN8#)WM9K,$I0&3(.M\D3#X]DX:$=M[[#!BL>E
M"))36N`C02?G74=FD1&"77T:F@LP\!FL&P=OFI-)I`THLU051ZW)`X,3VY`0
M-ET%3]S8KS$_.4]KIS<)564!=W#)IDQF<10%N"^4332JF#(Y9KT']<MZ42T;
MLP4#NK6UTVE.[%#\#[M*KP^81U"<0)E%5##\#7;;YPM/7[!@Q-YII-AJ^5_B
M7#Z9O%LIR[%8D$')5D4Z)O5Y`G/V5A'E<@.T3J$]E`4W'!$I,=J\/K(&E?8T
M@DA[6JEF\0;*N1.:@M6+)BR)4HG"#BS(G35_?36=,=7KX_/Y9&L?)Z<],=J?
M"8;1\10+`ATY6M8#.JE?2_U%_2(&#C%OR`SX,8=71LRJ4MU\,34%@.PMQ62;
M:"#>&:9I_,)V0R`;?G^Y1\,M2HLX\)XU77L_OQ,!F"KL>\NSAE0'*69"%D:M
M-K7#O!/ZM'=T^O*4A;76_;E".V2^6Q@;#XNHUL%_X\UZ(?O?&>3G&D;&P0W_
M]0UZ-SX];\HC9BO)#L;L/CNVF`LFH\^])+JD$MNXE[X*[C2WPMF#:W4FB4KK
M8QPV%V@*4F'8-01L,&879W$KRRVP0`@WMZQZ?CH9O_##Q;^'R/1`XJHF3QK_
M9Y9[.:'#W$IF3G<X'$PG['>\L(6E$LC8Q0^#KR>/(^GE4?QP5O+DCXUG%5WI
MY+O`.Z$/G/SX`1U5_`RR*JYRBCOHG6YW#FD`)4X7$?FG2-],P(`@,QGY'S)I
M*#HCC#@\'VG?@LJ:9F5+V/N><;_U=BFV!7QM`5];P%=5`5]9`R+`"OA8ZXU`
M-BIY<5;,N.4`JSZ7"J<#*S3+>)"U@L[E932IY:=,B*B)A>8&*H#XK;RR;N<"
MQK<T4I(-I?QU0$*<%,(*Q(H&F,KRRJ1TPRXF<T&VL)P"<UD?FW`2J#GVDRE'
MS5C.982(".<KGEXYG`^9*IDO1^I-K.&8:#^<7V'6<8<X5.QW\ZEQB1$_$7U^
M.&BNO(2@AMILV(=K'<9)"URA9Y03EW"3(L,>W)R7_(0)46-%A8&UEI,1W_J\
MUOBS=!`^X@=W</U2O\*`6`RTBLXD$RGE6U*)!?.F&URMF1-+$$=/:?KVDM6^
M01/&NMU:(RP!?8[0+=-'JY3_F*.*'P8_"47^/$7Q.?SU2@FN+CDVMW*N]_4J
MXN70AWXYX)]4':;'OVG#\<PW55(YS:-A4HIEOIDJ5NF'Z"F=TCI(IG=4R+>8
M+`%]<8C56Q^U$?\VXM]&_-N6O3E/2MNR5VS+WB;>(LT=359`)ACFD#5QPO(-
M)WRPWAUSUZLRUP_7517.'8M-SQY'()I[@7JE)7"`)8\5(0UZO*D_LN9VM*D_
M4J3^5!+X$*!DYU&]X5W=1'.,Q:E9RA)01@GW_<&J7K-@DD?!BI<"-L\8E!0D
M9P,L+[_IIPZ/IP..9AS)7RI%1MF`OPC29V^[P>^I0GBR!2FK$.3KST:8RM$O
M+?5CU8MS++C*OOGZ=`>L**C:9N8*SLRMT4U^8:,^("R!&%OG=^MCM(K\'LNP
M9KMUY`IIOCF"\U&*(E.(S(F.$+*^%W+QHL&)5%EX19IO.-!;?0>9ZJ+3<8)J
M+8\9^`;-HKNC6Y.\%\.RHS^()_"[4)4:N.*EL-:RR<L!/\UN4DMA+9H)I?3&
MXO.@RDMURIW5U+@<Q*1=7A\T-ER=#7+X;'(O)-53@*5'<@[\ZNU%*:IA!A`:
M!O\O4?QE9E6Z"[8*AS$RG:MON8/Q#J-ZAS_V-]GTA".E4NCB<BLF.)SKK:SR
M#4NSUCK%JKQ&29E,^G"S]HH1)[>T"@2^/O[;`ED]\2?+4G?+*JVD(TTYT1S7
MA<"EY99$*(P;[&M+=8=;UR&7ZZ,['BBT9T0)V689I-5%3@N"7N_YE(6]&TJL
M/\3B^>5I_==BT;E;K!:/RUWGY6F^VG(_(Q;O'R?C"Z$[I*.C9K^<8O6F'&^#
M>^/]`^F6*V;Z88-LS43.Z(J`\D!F%*4'F?3+3$C^-\*+.Z4#?]\9VDO\=6:P
MD(>G%2X8D>OAL`\7:,I+EA!%4D@"?*4A!-A:#T<IKB\FU_KB9;-X7&PVBX?.
M=K>^_Q]N1?'B;VIKQX2%0T5<?L:/OVS?,*+6BVK^H9Z<L8@.XZF5O[T9;?2$
MH*-3C+@"JN1BX:A`CZ>SDK8K5A$(YW.@'!B@JO?;OW!1N#+I*1G'_[+".\`4
M_YM/[8#/<L=!M_."]8%QZ,QU'=MHVK_1H4@=^"7G0LLP^+F_N//G[M+ARD7+
MO^]/JF5A"23?]O*PR+15.!,DMEX!;R3&`EF+2P"]I+!1KP]G1Z4L+,9<8&!*
M\)1@`Z'>9[^4NQ.DW$&6N],?(3NF578DN(THGY#J$HRE]F7M6?*4O8VJOR*G
M_F`X&-.R-<6(9+!,?N%R/N$I&4PKK09$(*T"-6L*Q,$4"_K>ZB`[5U2#W'V\
M'*%2ZPW1\A.X!X"-92Z6$B=#25!?C0F+[[#!%_&S^OMBS]3@KB"N1I<JD:M)
M.VQRW(KT8B`NIJA5ZJC0D3*!:^>2N&Q^K9-B5H-L(>=;)[.FE9TA02N%U)U+
M?K7Y[]^-,R7ZTL;SJC4G,X[BEJSOY1>PM"\'14Z3&4?);/87A8A4#HA]T>+<
M<XUE[7HW;+%W01RD9[P@\WVMH[`.;D)KX)W4H2[ZC\&E*!&\((DD<2\-MIC(
MIG>_C'#34X[>T!?_6`X&TO?28./(V33F4E1N:9&)-!:&_UP2)B;LI\%),&3;
MC\;9C.R:%HE.X6+XK^5@8L)NZITOPN'P?`I:L!`'("TVRN3T?!(Q!?:`WAU,
M'5(X3(?P7P*X7=,`"@>Z4DFO=0X!APQ%#^$+,O<$W%=$0JI4'0\1,*"34)$X
M<*/C6V[-$Q1_\V$@U@W,.EJ98[!5TG<JXC#3MOR*REISE0^[I/#91<S@.JP@
MSU-7[&:9_$^2-\/+/!IY(J1\QH)8IK!LJ$KC#W+O7-ZKZMOP%:ZXS,QBS%\^
M20$^?VY1F]287G#ARRU>[^LZQ7\X*J.N(I$"J?(\4LHGV""\[3F:^,JZUA>;
MQ;<?3_/=>O-7YW[^LMS-G[@UQ0:]GD]$*K[NU0_-#I'C5A.Q+VW0O\Y>6GM$
M&$8]N.I,)A**N`!2/O\#PV3>J?K?3A&0\Q=)GY.()(_&U(!#"5O/HDU,Y#T?
M_T,GA2AP:^W7*)P>W1_$TZ/C>J)`HG.,445SEQ<ZIOW+<X?.LEPR%MIW7XW/
M_SH@S3T=^!?7AP+_Z.*K!7(-L)09)^V`3=*#\T4-^?TJ%06P/53RND+.:AKD
MT;D-V5MO<%1O[A^"1_\0$`T4>.,G8X[2[;1OE<91Y@TU.-+WA%[5DPN6\Z94
M!K16P7D4SM67\^L<"BL%D,>M#[,D+@M)7^KHVZF/WN#L\$MJ1$\::?OYIV:_
MY;%J0J^/HO3@(A0""2V0^J+AMZ2.GA`^R.HK\M8.K,415J-PO5Q2UQ9R1D"%
M(8@3,V-8GT/'K=?Y7A\P10XEOSY#?^J4W=5-_TH%#\!X\"5[?Q6^[(2+8!T=
M(#M5?]4P4WP&&?X/W*8J764RI+:_$Z2OTU>7P8G!`U!SH^K>[KOC\8B6R"K(
M?*&Y*W-RG=<*"9[(\8TV^(H-A'JC67__B;37-](*VA7L\60`SFK:PC*P/PN0
M!K^F+Y7D@0PZ\,`[X!^I^R^"`]QUE[F\#.+!!DZ#LW(S<4@X0'W`MV\>DN06
MIBP0&YPR?(7-SKA#?Z+3R?LQ27\C)PW069^YODRBDP%/$&2_24%).D6`G71R
MT22Y0&7!&(R>::"0>:@2`.Y4"QW\1X(R&0'>:`FK5BHG+$CXDM!$ZSAA_]3#
M@3$9P&7)<5`BH\1D(N9+41/-YP1,4IX5!!FX"XN;'ADEBA$]7ZZ::#5S(Y-X
M"N&Z_0JAL5[REXERX&&\/9FD/5T(-'"N1WZ"9):V+/Q\T;HALYSW$4/@`D])
M*$ADS40P$V=?+!O\1KB"V=D^X!0CZJ(RB$T:#KX8--C(O]K^SIB[OP\/11_\
MKDNG04(A24/)EYD&&_!7:&2\;."\X+SD2"A)C-CYE?,-ML"9@:$<O@%<E5-!
MZFHE<FG(^A+88$,]`:>D)PQ@VADO/1)+619ZOES=CJ6=^BZ)VQ55J;9L\NHE
M=6G8^D+81#L_H6@F)1\=LOR(.QLV*>7<EX/D[<G31:>TJAV89M0E5^T(%Q$@
MI*MO5%2X'PQ+?X?\+6'HC,I?M=W\:H>P/4EQF;UH:#*&>X2#T"Q#904\,VZZ
M;832[U\KG^WBV_-BM<-*:/OC:<<_>W>+7@D3-L@ZGZ[-4PX]$WSFPS!M,K\Y
M$)49X/#(I%4+:).K+U(GO(XG([A@.@,%0DXZ.\?"X7=\V-2[R*:XH9!U5O-;
M"9>'MJ")T)BC&]P]U]]>ZF2JO,.GNR_O#Z,B.^K#Q8IS4E75$1>`X6T?^UYO
M3$ZZW[45__I^O=JNGY8/\YW3,1+_ARB!;6?]V+G_/E]]6VP[RY7;2O+[^NEA
ML=G^WYW%__Y8[O[BU@O19D`!"18VQMY(RUQKJ3N]`=^,$^:0M<`6F/V56VVX
M_YR8>8:.5_$''4T!IU11E\RO,"X[)OK3R'JS"=@&:"L*.>F,S*#WKXWO7.X*
M?KS-=T./DJ[TIG!,BRU7!<=2]UQAC3J+1]]$*C:`OBYF)0_&<`RC+%@%RS+V
M76%C=Y:N:H>#YJ[^HFJ'I>X]VWU5,84;F)NZ<A5\9(7"]VW*R=`-:?^HH\-"
M-75LSOD]`H?8<`-LM4-;LPH>9N_>X]Y(3NZE;S>E[YPTQM9\OS^_$]<><EM0
MDP^;Z`WIEO:)ECHV88-YL..L7G\%E`LK%24(::P%7QZ(_(8$TK^U./OS!:\7
M-U`U4L8E#+]E;[*53O,5WRUO7,<8+MZ8NK087T(&0V+S2K)`D/N-$6SC*0AC
M8MKAIA?'UZN&:]3MROV^2*%=Z4G$JP3BKQTR764RZ/4AJ4]W`165M#0NA.*6
MONO:!/D^G(%=>.^FG>-NBT,%8O0(E]>E99W1X>%L8E/:'5GF3!<))@,A3?]$
MEDV6?#FIV.*9]!4XFRX/2=`B'[/M"N-6FSEP>0V].(BCONRGX<+%XT[8V;O)
ME/>&93\C^\T@F;L35[/![(>%!FAQ#W=&=7XQ(5/A`YQ1P&>N@.OHE3S1."84
M'/YY=D^UM3,2O$G.G*:?3B4FMICQD\]E@WY8_$;F7K.0-_EO[6"`D9\.X9[^
M``27KG"!00_4\4A6:<VGCE?(=CT-3X9%$H/[[K0)$#&[6*MT`4G>:6!]*LWB
M[9^J::I.2/]L[M^PV)/\7]=]?7TU);0ECWVA_(LE8Q,![_JR\B[O+1(.W[L(
MWMZKUEMWUH.T,%)6+I__K##XC32;9TXD^8:)'L-*;7W<J;]?2-(.1MNV3>WG
MV7:&-1HO#ME=9:@H"IA2+TA=Z=>`2#0]F9O)*W/Y+H[Y?F\B0OCZN$$'].YL
M@F0V&F>,P&`R=F=_,EXBJ5\K7Z%P;"[P@TIK]!6^7")Y)KY*I?)6\,URM6R%
MUTH:`$&PK7'\3_/>*K)[85*]R4#4E^Y#5ZXE-FO7]1G#[#K1%WH>>?5>Z!<X
MA(70RCBK;E>`!*>1(%8L^#8;B^W%8H#2A&"9$6"+K`<S#;.2A"H'H'BV^418
MMGGG'ZY)^X:MH;UZXJ]*R9%]?K%B_@H6K@,"&V,KK`VR`PV.V]+R_>F.%QW.
M29>R<@7*+?9\8P6F-F.\.)]FH1]L??1<8Y8+@^,7HPE\XLC!I"_)P&?&?=8X
M2EJX-K@7JS>\GV^_=^:KA\[#CT7G<;-^[CPL7M;;I=.J8+G:[I:['[LEOC#X
M53U^&LWUP\,9/6(./Z`/P])(=?=2MS`Y9TK(AT.=>Q\G_R'B\:F>4+3X?.8V
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M8SE_^S'?S%>[Q>*A\]\_5LOUIK/]@<_QPW+E.%@>%H^+S69^][3`]C0^Y(OM
M#O_L;K':_<"_YC[F\\,GZ9AD$:/Z$6&&J:?O3BQ2U4E_)&P5?3NKY.V#T.&_
MSSKFX/;\$W,6?\E&AP<'9N+D6^*_@2&QL3A@6,ZQ-QR'MG@R]%=?L@)!'/3=
M#I,@AXNV8G[]$/U:Y&3T)WVX_#GJFD*T`QLW@CZ/F7N_::T0>R\_++?W3^LM
M.;J=^=WZQZ[S.%]N.G_,G_#[>?W8><2G?G6_Q)J"/)XW/QS/*K^-'=I/\Y_&
MV7Y4-=/)D%T?'_V_3=[1YMGQG^8WQ?G6"<5I/'4["[#YC7(ND_]$T[Y*;475
M4ZC^+S%GG)$*,=:Z,$[ZFB$/AC>M*V)-/Y>K>V(M[.;_)\<][Z88[=3?!2[F
MX!LA60'C^^,17#E1RL+Y#S7EHQ$IQ/\']^Q.6UK(\>7BE']"F0&YZ6,YNCZ6
M3XOY=M'!1_-YN<MW/3\AU4(D"TBSB]V_SH>L]0>VXB^:KPUZ`[AK*6'1`O:S
M^\'C$[(LA*C"V.]-`6WIK/7%V-6LO`I;J//`<M-G-.:==I(/R!E]6:RV<Q*`
MZKP\S7-$H=PLO4CI#JF:%&$PN^V+_:]ND-.3@Q2N66')T(OZ=6EM*>,!S6P6
ME2E9A+8"?G'6=>^BZT;\PI,9G&XH2)Q@VUR,T(0)J<*`OV7MTX^Y_I:KW7SU
M;4E<=O/M=I'#0ECBY?17[>>).M.%0^%\,XS#+^UTFNN'ZV_23,7A#,YNX"(E
MOSIA6B;Z_)P,X!XR?,0(T18%.>XKAP(PWK0R4.*!\LWR#VR"_+'H?%\\?%NN
MOA5S[>$_^L2K?Z+OZ/#J=$T6X,<+/AKU\>@';XGY'O_156`V$M9U4V.!XM6Y
M"2L2J.=>-'(I#@=PE6]%*!,4U!<H*&'\7PS>-ZUWAM=ZYV6^(8,`R!MHOOKK
M(K#PN-X\.X\B;NWC)E,38U'5OR(>WJ!Q>_Z,/`/_11W;F;2OKH\7"Z_UTQ=-
MP)018%Y;8?H*I/;E7CL\)Y-^'S"GL3B!8M(!`80H;(\ME`DWK:QB/M7MXFEQ
M3[(=_O?'?+-;;)[^NJPR";47_OV<WXN#3FB/G[3_>U9-O)_35[2.).#G@VJK
MN?57\&F:>%#D;#@`[*[#24Q^S92Z4.1U,!K,X(Q$-B*$*)C"7/:U20[@;EEC
M.#5HE^;-9O&\W)(LBM6#4UWV0MY3_`:-B=[QGQ%SDV2"?[S'&D1PZ(`7T_A`
MIOU%?,1V](NA//0!"\0RE\]_SA,_3?4%C/J`"=D\I`@Y\SFX&@Y!R0G;#9_U
M02_F0MG^>'Z>;_XB^5';Y;?5\G%Y/\=/F_G]_?K':D<\*B_84KA?+HK,.SN_
MOZOFU_JXU5YU[:CM"<?V3H<.TDH3&PM[_`(M.`<M_L%0AA0X+V3RL@62HH,Q
M7@P]Y4FG&P>ZBX&;0\#LZ6+4"=$;',R.ST8K#FI3RU%#C/Q)&R_(],-4VIZ4
M#&JG,\8MCHT"9W'GI*IZ0<L/X@W?4?UB=Y3#IB^H.\K]>GM'[?^_N[.EZ<@B
MQOU*M9TXMY=_@Y__+DSN_X8"/AA/9S3;-2$SF7^%JDY\02R:>IN$CB"2VW,%
MP*0_@*M!25NY*B%A1:/&/1`R4H2#YOA7FU>4Z0PR/SAAW:H$@0V("L?1@8H!
MI2[.R0-,5I.TD&_"E<'U\:KXGQ\!^7OLYY,)`@.Y/-VLW`W:(^V3V,9K4WLE
MM9%X2X_(#5$3L*VUZ;@6S^^68TR;:&\["74[PVL>Y'S011)#-YK`)79"DEZ5
M@);&#D^>)TV39S?NX&S;AS%$T?J.3H='P]RJ)^1CTNO-X*Q_3FHJ4XL%0)._
M6W@^04KT<<<LAU&_!Q<$9"6C*M')!5-3NWVOC\<[]42.TO8-(?L>+Z/9B]\?
MCC.%;F,H@Y$"=T7R$U25'!6$+FS9.VN62&W0)]+/1!T;K[HSB6>+S$]MCZQG
M55=?G;Z`Q"+H*F-E")>AR4I&5>*3"R9?:.KHZDTWZK4CVB+;/CG[OC=T![S0
M#!STX2ZLU+4K,ZN9`?%EHG$>P>N`R+4VG?6F<,D-&8M7)18<F/ART3BG4%@)
M%ZV5<^>V.44R>TR:]HF<`E'_P(QG4SBO80Z**HLW%@3/EZK&N94H<7VZ$3=1
MIG!W$2L5U<4E^%'R16;<.)&A-J^]1F(\'<*Y:YA(J$Q8>/'Q):5Q/KZ@P4L\
MB*,`%OHF+5M=,(L!!E\(&N>?"ZOK8F=@.AJ54:LHBV)@0\(7A,8YW5;H5P0T
MT]#Q+_?N`)4DOY$WZPEH-"\?.55)32'8_+09^2=D082/KK,(G'@(G$3EHDGJ
M4%(J@,&HP-L6K?GI9/PB_X!DMAGZ!S))'15FQ45$%^,&E_P+0'%-Q)(;_""B
M-1LU2FA3VJ7$[H?>I%])EQU)+M2<4/EV6>.2#H-6NSL3GQF\#MVLF(V&</%/
M-AHJ4TK<"`7)%M*.T06LGV.LE<U?*T<KFBU8&7>#I;,7*1]*!9DQ\I?)TB&J
M<2U"\<.=.(@K_W'V)S45/,)UG<L5UL+%!U%=E;^11&?:^S4AU9O]RT).(/O$
MK9Q;KO'!R_"3N[-L7$>Q:Y<Z/UC\)K%*>N]E93*`>U'FH*AD$2J*65-+B,*C
M]4S*[)PCM3[NM'=TH68O#QA-D#)U"MOW*],L.;;?U'JB;%#6Q[6.OI_U`Z9@
M]V:<+54_K,UG`Y^>.%RTN&YN:6%=63HYR@59C:N3BIN.;(,C"[10B4^0+&A2
M-FR.9"#32<,4QR/`))^LY86<\'RS)7F`J;$16O@(5S5E,K].@!LW65"UU'WH
M9'AF:+!ZJ-]]W6%L]V_X+WU_NB-_<M'*!;"BO2AY0I01WRA+H8C>M)82,_6R
M@$.+;YAA4;]74X=@^@M@F8]4G'TSC?.'1@Y6$'>9`"83LE(AYGTB?@IF#A!O
M6G>D3L',KQ(BXS`+'O=F#<6,-((['M'>#O+K\3H;;(*10D$,Y4ES&Q-?=X,;
M3,IXK_"3)D0;Y!JJ*0S0YCM([]]4_1592_W!6RX\GI?>&YJ9FNGP8OFZ#&+"
MC4*-?5C,<;@`"3<OB*2B)4:H\*&9PJ6QYZ1*!LG*#V.@>^J7/L.J>XSW#T,G
M1MSZ&,#LA:[ND(Z.FAW'9UR&F'%3)H.H%8/SACO)#ACF2^>W>J\'31?UF35B
MW'3$SW,FGL1G3=?>S^\;PJ23/^7TT3"#)5T*XIV0>Z6XS_+3*,:'QCNV6CR\
M-_T>9AYM72!N1YUQ+<PKUDZZI@4`:?T0'$:X31$L;^KA5_S:')2A=O(2*-@-
M)W;@M6#\:ZR7N,74`WG^2S4/49B(;]/EHV6=W]V?42P]P$B]4&)K)[Z"^%)C
M9U/A*Y9W9'.11.ODV<V%DZ_;"<YT5Q)E^0LS$[)!$R,9@G+K`$8SYP*RQO=B
M<662:PYS@5*LK(',!?5*.Y:9S9OH41&-\5*NVS*"90RT"-$WD+.6\R-;8]W#
M*VNNGW6+.82"`LP+A=R'BT7SDE-'B6/'M\;6,Z_0D:YJCR?C5QHL<+Y@?H+J
M*'@\&->X9*:XK55PC'P!CRGS//F"YM=M3I4/ST3ZF/1XR`#.9YR+)B':1]C,
M^>*PUMBZ*JIMACVEV-#/E6J:SOOY/SK_>$"VJIW`IE0'2WGKY%8_#9H%NC9?
M55W[M\/=BS&'<_WP$N%\)-,WN'\CB;X3!<ZZ$4*B$)639RZ):'QKK&LR!I4$
M[=1"4"'?:I0%JQ*2C+W7V)@MJ$;'=5&CH0V1W+2'\+<[G+HC]$!VQDI%27(^
M3K:TV%&J,*V7+VG*5=_Z:WB824X[IOX0]H5TQU)A,_.$=[#4#YJ#O+?GB=M0
M!E@RBM)9O>R(1#J0KO(S>EEZE-]VLA!$KW-AB`8#4)N6"W[^^'#'7*DGW^,6
M>06'70OZ(\`(,1L154E1#HQJW'F3\0*<8PP/VNE,'MA;M/>:TRQ^[T]GK)E)
MHP-RX,[^<^=Z=I:OFDLQCT306OU%*!KQ"CNGYYL^[W<?^(9T\D>DG\'ZYTE[
M=39L750M^S4;R@PNZ"Z"PJI4FFATFQK[*WCFGC0=+6WT;G5'@,5YHHC,_QXN
M2,'\G<AO=]P#="L*(5',<862*?]P"^=&C2O3<@RSG)LFJ44F]M[=%SW'V$LO
M7OQ&YEZSR,7Z)])>W_"38OZ)E><K\OX$O9C:'I$9CH!=ZTO:13UDOPJ6-M='
M_W$V]V\8J?7Q3Q),T[W7LN6T>J'IZH1^!,E?JH=4,2+16"OHY#`&'>BGRZMP
M[HYF@/W[V6B0NG*%'\;VXKW2TD$CJ4A!ST:S_GXT4=`<D?27\<IM'34-V*Z@
MI&U(+=65\+*I5RX\F.IO'\P>8(9J2=NX\8-!X65331"A8)*;EB2N_F%@#I,^
M0%^7>H;>7%["HY&ZD=LY'.S\;&S7L!+@#+0-??I/?8['K=T=[/QL[##=>+C#
M:1/PHKI@X5?\C%J6F.#/R/J>$-F"B8"E1("2(6GJ.Y226Q3,\GTT3#>KZ,FP
M+&2%3J)^?PIG'N2A*'_<AF.U'=ZE]69XDX\/VJ=V.*NGT]?BT^VQH;^NC\OW
M#ZQ^B"YR6G5R.`C!"!%S$H6(R>5P:6C0VR-[@=Z]<3JAO69_HE3T.#K1@Q'2
M')'E!+VI3AVV#-:3:EG4;-<'XUW5=,*<&5BNE!`2\]]#I#DGB:ZIIQ?#M(_&
M23.VZ)6L^8S>?R*3C$!7P#:?M3K4@10A!/X)Y4&PPJN!Y2G[CF^XN[.%M9)E
M$=/4\G9`5,64(@1)/=`3OE,';C)A4*&Z%*7T[KZ2,9K_ULB-Y#9\KT[I99%8
MGCCQ@Y5R?1>35KDUB.,CQVN[9@EI^FY9CH/$`6D*>(VFK9S_=DSZJL^7J?O$
M+W5''#=^=M-U'G9=3%YF`D5N87TPSC_MX_GD7],#MZD)"#,OUP)E7I)L!I4Y
MB=N6FUVK,Z%W?=QBK)"%Z1Y.X)SAEXL)X1=0`P"?K2GP--4AX6_YWLG!)R-L
M_GS3]F\+_!O[RVWO[J:)S3@<S$P?K9-`L*/35"^`.WSF.SIAFVMGGBV283V&
MJZF++5<':4G%J*FI#<G%\9@`[QX=]L>TIZ\846$@(+_Q>G?&D.+GA'?13]RN
M3"#[N%Q*B+SGXHTOS8E;E]O$"?;HVV;3$1S/KA:KGFDINY?;X9*XZ[LOLF_G
M-37L3^":3C`0`,O>M(WZ[.64#;E/:N)FPI#.L#^%JX#-7C__O9'X[1\6PN_&
M)^V(NLH($U;^[D(*8.4YA8N9XIR`4E,?81N2%^6>_,$8SF,<+)-?KIU/>'<+
MIA7.V1-92(B8ID`<E$G1]R:W$O721/T`RV`*=T->+"6.*4G2Y+,E<8>2,\9-
M4`S(GL!9H1=+E<B8I!W*;6D&*1XO"--U>%$M^^%,\D#^Q#2B]?%(C2*1A,(>
MS19)<('E6T4,\UB:4_I,%(!&4V]EH-XUP)VMI>D6!`V?H'X13Y3RZ08X<2OB
M#MVHNK:[Y+ZY`9HW0L\7EJ%-)B1L.3(YGVAYH3=UL,4W>>7*R.%)^`D40M6=
M365`ES6C)`"M/ZH+:+S]IC,=172G:5WN%T8X@&^/$MIOY]]RI@10W8P-T/,)
MN71DG-E._8VL%U4[=!5%`0S"7ZTF1A+R=NP-M6,R!$U]B?IM$[P-3T9P:B&Z
ME"P,3]A\4P_YSE1UZTC2CM;V&S(W2#TM+)*&TE4FXS%<Q"AQ73GD@`V6"BU)
M&:9;#8I,M_)OZ8YQ[,SW^_/[V6D#T''P[A`O@(G>D&YIGZA#'EGP0[`B7HJ0
M'H><"VH(,?!CLD9]D$PW@`$OJ6"Y%Z@+&68,.MPA'?_"?B%_[*3".?_FQ<!4
M(%LSG3-+S"YKA>SU$=^\W=%D.@!%!))Z(=J,1UH"1V6)7)'_;IRY>D!'KP00
MD7.8:C/.CE$@YI]8L9'7T:-A;M53Q$D[/_SS[#H:HD(`F)4KGN"23F,\:@"+
M?5.S?;.1GC7L]$6Y.X;<(`\Q)9V:6<Y30\.L/G,!#?Q"$6Z8]XL8YG[,K?."
M[7`GZ@9O>E_'^=HQM&'-%+)#67>*_^"NW(NUJKHLDS?<5(_;`VE6A$7;>O%7
M<=J+=6>]/EQ"<L*B57&=`0/YGQDW;^9<G-W`G-T9I.6*H3L<)>E?&)\[U=+V
MY'0#[I"3FJKLG"*@U<?TCQDZ!<_$M"YGXFHV2E#V[<S$6)]MRU9U4OKF,7?:
M&RA@^^.BI:3S,+T^#_D!JXW9CW?VT^",Q9I^/,-5"PX:<]LVM9]GVU,8ZNGD
MS>:9ZP=_^$I748;4`33"XK9Y*:O*UA`%9E,[9"<<P`>2M^E-9(F>0W($W0%/
M9>JL)&HDTUI,H-6FES2WWHH-S`O:>4_&<-=<TJI5R08+"L'4[,;+@'MOSWIN
M`*D4`1!GS[`+=!+S8]NOC5NC,.<]94@V#W=?)"PJ"?<I$-3&KT'C?W%W]:2G
M7+NK7S:+Y^5VL>W,5P^=Q?_^6+X\+U:[`E[H%VSOX3^SHKF<17W,B4FBX770
M!ZQ9SEP^_XLU?PIU;7.&<S`S/G6>'2VY<\:;W67I"1O@?AEQ#["#9+@.K(2R
M=.JA[[DY4EAN4Q.X7E\@^ZBXUU?,_9*X]=H80IS^E">D6HBX\)?O'Z;QZ7;X
M"X[C`*Y;?\K"$N@D-E0"GV[5U7I4UCZ>L7EO8ZL5[_Y1^TU^Y>^A/P`<C9B\
M;O7GFPV3('(U*;V@L)H6E6UON8B,M+WEZMY;[IOII.>,^CTX+9>^.*P4I_`N
M4XCCV-3&Q\>?N^+G:#X@O-)><Y#&OSXAK]?Q_-TP;:\/<B)BW=%D0NOY+3SA
MM1"5E4L<!-Q-M;HY<`;)/JI$*Z^03?2.HI2_+;QTV><CEDK%C$M3\Z:B6J$[
M'0SA:K>C*U6N%Y.V79N@JH@6/&V_$SXI*O?UQ:?U*^0Z%:C*NVP6CS-.XW'&
MA\7+>KO<756CWZDG9W(X^356+(:EV86JS_UOA#SS5U@?_3\K&HSTOQ,&I$<#
MP-J!J]7R&S+^E_R^&W=(-37]%<OCRM"UJQ^>G%95I'5@=)MPS\^"Q`DYZ-F,
MC=R!HJ!LZFLU.(GJ)\G)\'^++88!J*%$6[0BZ4C9>E,?@OY>GPT=?3VKYM_(
MCFR_#^=V2%FX(NYG0%"?5Q%GDR/M'?G[59R]K<UGPR3-?$:`'0R2EBV9^4R[
MKTWI1`'6/R'+VKVIN@L"V?X,SD9*7KA"]J<@T-1BAD2@0+QCXBUC<D/WP>F%
ME<F8GXZVN=H407"ZY*[L\0?C'?]&VWL0/*!W57=:#8[AFG>SD"!4`H0]YZ[[
M,C*#V%1C-HYC`A:#`6!J'",5<LM4'BAK_#(6X4&+-9:A>]!\5G46OS^0;N&?
MZ4">-'\E;Z&U?NL.M2M`KB3Z25-_:B>GI5B@,\=#R.)@+FI*MHR+8%5C12!&
M?CQ'$@%E#.="X25'5@FBH=54$X49E(@WR@$&SE[)0Y*LHI2$6E.==\S`1!T=
M:QU]/^L'3-+NS3A;6'L_&*>3:EJ>ZXN,E*,U-T\8L`=!@ZSRE1?&IGH0F8%S
MFE1&T".G<R"!3KNF2U;!2\6O=4_*_<[P'7J*,NG-P.A/6+5D[R7+WFOLS13A
M*(B-AF!/M2&__K^47N__P;AA&#ODHH%.OUD?\4WW_R+3N/Y_]YXKZDRX-W1'
MI,[JZ5FUO9[>ZV-28"X$+B*,R@SNE56<OOR*A&'M#"MDA3FQ^X5.GPB;QO:;
MY5@E-&=Z@G$GG@(A^@A":'P-!@QZ4YTCQ6'["ZGF[I?AH$6K^`8346_A&Y!,
M&L1-=;4(0@O+GON6H^52PHHD6?I6A#(&<U-=-F+P>C3.I@,7+4,+5"K)RC<B
ME#&0F^K&$027]ND>85K,#%8F\<JW(I/7(#?5^5,<KOD1+WF!&2V1'4PP+Y:_
M`>E,AKL^_A[A(LK*#Q"/8)6NB^S$:I`M@Z:50_";/1%]5J>27>[*[%HF%"5)
M0;"/P0!P(E76ZB7'LGC`:(`33!QP8J_UIKIS(G"$*!%S`YLEI,4T-65!^*42
M6UK((>/7(Y1K(QV5!IPX/K$@;DY2PP-7O)JVM*QB<8W*S6D+U]%(C"JXIK+I
MBTLK&C%DFNJ"383`<?@1K5F!;`CSJP*(1@R7ICI"DQ$@/@U\-B952(8H_Q&$
M9%SCTE1W)!6!2Y<749UPY2+9!,@H(\D(-=4IR`P@B/]+B$\@TZ'GG/A)*4Z\
M<H4ZU2UWL>L:N^)$Y#`.V7(80^#+S6*,,KRD/,:Z^C"IWJ<DWY/S1G"3VM8F
M:9C1G0P4N#3^8K25[/\4!V13?35Y$<*_-,ZO;UOMMY=/B;$J.>$W!Y4U$;\T
M<)OJ'>+"*D#&0TKI!T#UX12\$!)E%D$66)OJ@.("RGE"1=&!BRCFITMF24L$
ML*E>K+K6S34Q9X2]<HXG`Z0&[C6`9^<LWJ5Z^WV]V?WG;K%Y[MRM-YOUG\O5
MMVV!I^3VS3!M?-S>[PS3-'ZY[6"+/0S#5ZGS\1W^^`/ZZ;<@]^HP@*?$QE?.
M?THOO^4WP1\I/;AQH=0EA1Q//N8$8VVS()![#L`%^4]!2WM,_[`<%CX!]?O/
MS4,J")7W]6=C8JBI@CL&;P)NBD/*PF+8R;.Q^*#I=!FH]<$$L?D+'$Q6N<06
M3`^P#Q9E1;&"F,&-F$9)V'E3W7J!S41P>E9_:^_G=^>QA2VD]=FV;%4G(XWG
M[\99Q_;ON`_X@N6BI3HIR8564[UQ%XC,/Y&IOB(Z$G"Y?$PT5"\O3.@TU6MV
M@=R?2'M]L]'!0\1O.[-1;?)@[@%.E&4EH]H[B`>CYOK!?MI+'9N.9S*[*[K]
MAS-I:?R"\$8/W<ED#!FH9:&A$EGAAR?0+.7/FR]/LX207)T?\A><ND9:P#NA
MC)3]R]6K"_:-U\<+64`.(M/6,7ZC\IQ;[J+Y7V"/"'-'/3V>]8/U<C;W;ZJ%
M#L_H_2<RN_U^KP^VDY2%Q4MW&GM\\69$HD9.`<JNX8T<$4)Y\<'%[_WI3*S7
M-`81A4-S&K!H6I8%2A')=(W+C4,#GH#<B-+#"XFN^+A.J/QX%XY\*;UXY&O^
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M%K9P#202!N2F!@=3>!%F;F[/[^^J^47!R$E4WQFD`)F<<0=GSZ#;OB%D/W@W
MTPBN\+*$'=1`ZLOF8_#2G8S:\Q#!\9>Q,QPP4V$<5F(V"]K`#9P&3BX&AV'<
M'[6'(8"1:!.L4[3/=!@!YPS!;Z#YAX&7B\%AF$[:PQ!YZY`JETP41]*>A6SZ
MFW\4.'D8G(39`!^%FS@)UV_^@"-]ZG.U='=+8=<IW^O2>4)RS&KD^SKT@6-F
M9KZG]P4X-_B^SH(7I)BNS+.2$3VRNJ/IM`^VTZS5JSX]L0)#'KCJX^#GZS2=
M@N>3H;\ZF4[XB@7LT,1`@722PXM:8)A(GR<H3'IBYMW#&9&#=O74#\+1%Q;=
M&"ZQ'8+DJN6SD-F=BR^!0/=OUQOI`W?ER4U`#JY@#83F1H@T'V<"F1[<KA_%
M0^[*!44';B!'B(F5Y"9(-!]?`H$>WHP[A`;<I1.)CMD(KAI7,+5U%V,N;H02
M/)Y.1LV18/^1X)0P!CU7^PI<E)*VHA!18MM*CNPEBN#=0+:W,#AS.>\#IZ#T
M[]08P")RROM5Y92O5-/$='T6ZOH+ESL>D%>\)W"TJNXIJ,=3!H`)&@F+YG>S
M7G[P4=TCK^A\,BYM&^&J0K0X,V/HM;)T#)H:8DBN$][:Y"B]('-/P'Y%W<FD
M#_=*8J=#!AEAQ:D!ESR#U-RKIQ,Q=Q>J><+V,3DWD[)TQ_7:,DA'&A[UB;WP
M2H3[[4?G+D?WAF5;*X2W/@7T%B8L6I4,9"+0U-($(NA?&_2A?A&LUL=+6^RG
MW9U!1D&R5J]&''@P:6K+A;AEOC)LA$'K]P9PL[825JU&#%@@:.JTI$NP/`?:
ME^,8FTP`DQ63UY7!.DC"H3YQ]2)2X#;MQ%#!=4:F+"CJ?>RT*U`&8Z4DXH6U
M0F9B`EU>K_=<><>%0EZ9$IC&YY4!Y!QU]W(W/K[<P$I]]UM^8`$L2V.$JP(P
MD*Y!Z/RC;U_N\Y?7+1OVPU%HYS0AY;G8:@#L39-8G\D"(9);%FH4&>2-S6='
MI!P/\OHX_U2U$^'G#QWSX^`T@>K.9K-*^D<4HEJN"*LP!C35L5\$.Z]SM0MA
M`*"3S5!),FM.@FLFL0RH-S6>D`HRB,E730Y)AL$7L^XKC!:(RD10>H/8..'E
M]OYIO772!>9WZQ^[SN-\N>G\,7_ZL>@\+^;D3YX7JYVH9(*+1!'C;#^JFOF'
M>CJC9Z22GQ+HQ>4%!%^_^XI\_]%$_SHC??_E/@!FTRE<I]9L`@K81!3L@D][
MEF^_UX=SD#`0(":M,`\;@VN`#R6YS?A@,W/+0C:ISGS2U)_:R4F&]#9X6.L;
MM#^;I$83_X65H9O^;^]42[,\S3:;P<T1$T:F6/$1#UI,R-@DM/E"%OJ[^KU1
M"1I(!*FU$S;1_*DP)I[SNK.B&_,;CGO-K4J[\BA$B!4EGOL][=K+0.L6M=*T
M&5J)BAC^/M(^B2ZQ`HI"^[NKC$:N5Q0$@_3%I5&U*1+AGR0.&+T3-)'>)_")
MS)\&CU=@^?Z!]^YG5&'T0E3PK\B^#TO]$UDVT3-=I>?=72"BQ45+G20M/\BU
M267D%CP8Z&&\IG*H_50I.I'(UOQT,GX11Z@C0W#)/QR42'Q,8X[EO``W->64
M<BM&JL!Z([AD@;25Q4H4T]9$/M!B;\#*K?/B_N=!?+K*<G5/JMYV\_]S/0-E
M\?L#Z1;J'`VSL]3WQCOJ[-3?Q<:@N-]Q/A/.+?$6>C3,R!\7]3P'GPIW&\K-
M>#2$,XZ2%\Y_I=QCP71*;;QO>Y#=(1T=-;L[&0WA'A+I:PLYY5S,\@\Y.R:U
M"6OSOPH8@(.Q+""DW*\:263I=`H7<L]8O#0Y3ZRE84"EJ2%Q%MQ`>MB!B'D2
M(Q5%&92PE8KD.M9KCP6&VCRKX_WU1%AKL;X%R=8:\4]@8^ND.9_KW"'[%T)Z
MQ\O!Z9#"W#/F[!>QX3JD5-<9;;<X'A%ISX$B%I[SI\*-O$OZ//(\Z@+B\+]Q
MND/KAX"PX&/.N.:"1B']J_>&;FOZF734_4"FFXKD_=$EU8%,*Y,)7/6W("+S
MZR<Z`5>KV->\N_C+W9DRA//S""!0B-H#$Z>@;E(L)VIC!_.6W`KFPZA_L^?:
MN8[1^X?WK,+2XQ;FE@E)*D52'MP0'9Z3FX:U_);\S#VJ.GHE#M>BA_42F;7]
MALSYX9]G-])B86@&<$4">2B24@QSW1]I6-?'_*[VP@!YL$EZ7]`(P#*C3"4`
M0LI3&7OXYL.U/L$KOE;SS7)A)C@U:,P-N4^7G_X8<&RZ.#JK<XS"8-V`1Q((
MV@#&BOQ&;D%W]24$"?*:]8!7%`6P0E8HK6)U`8`*C:D.X1QJ@/HHZV*#\2F4
M?+/Q*(#K![^B]'NS$I"`=ZB`2D?&H4U%5?XK)J\?)0$-YSD?_$A_]7K>X'<$
MG#^>AQ19Q8WUBLC&MZE.$P#0RPQT5W,!-"_$#\#]'!D!=72#B,@(B/4/2,X(
M\/.&G)B^FPCKQ/PCJ;#"H_S^FOC'M-3;XF,&@L]'OKI"87,)93`#M*@RUR^>
M^W;YZ;#:Q.I.)M-AV5N+K"]$B^1AX'4>'!M"\K_#\AI^=!P<N^3>>,>+OV'=
M&?AINM->?U"VV"01(ZD,,6'7W)=$"B@8`:5TI>.L++.H7*`BO[DO5BZHZ(UJ
M>ML&1DQD@>YDZO:AAMT5;>FRA7Z4)/29N,AOAE]*_8XO*!FS8R_@&P[ARQ!H
M*PNQ+MVODN"/]S/OL;5!Q-!'Q&*?[_?F63U9+Z;QJ5F8BX^&23KX/1GXWUI$
M^\%-U11)J>CCQ"`*E-M#*.#RF[7%1N;PX47P\7^,41I`CE$H2E_MA#$)7/D-
M84$BB$_C!S+MKY>3JMND)N%?9^W#Z?PPF4S@(K+L=,@D4DQ@R6\K@VDO\KS$
M_W79H!\\UZ;U0MZ;)--KB@&I4GMET">3J!4"5W[#59`(>OYX_97H\7O5-+^.
MAOE+-0_8D)_-X"9.<1`BDU"QP=74X62T,W:/?Z_9%U#,3_B[NM,9^%G328-N
M_/<(/O!C#?-0)I-\Y02TN>/0KL^?XUB;S`!G(]+7E$E(8B#4II]=4?;3\`*)
MD9?D7W&&G<X`JT-H*Y8GRK'0?18`GB!/Y1?D&ZE>`&U5DJ4&;\"+E>%ZA[[@
M"@1,H"4C&YFF>IB:U<8F=M@O&8NUOP*7Y)>Q>&F"GGT1)J-2'V\82"K;D#V5
M[?Y-U5]11],[&,)*$MM<"I8Z7A\XQZVV%@5U-TFI-1A$34>^IXXXC<D+^<4P
MW98FMJG]/-ND`^?.>'%$&9L/B@+7=$<8G=5=L3!0W_)=#%R64T7K1-@\KJI[
MS"5G<;'@(O]]7+A6J!&&)_ZHB50+*S;WOTL]QF5$2G(&;AD8U,:R::C."N6'
MJ#YQ,3X'3=*M&,P4/1JFI9[0EC3_=@RX[,NQ#UB^*IK>"G4O+/3R^Y!2M+6(
M]],H_?TD9%IH1%L(FPG:K`<.-:[GCBWN*I/A&"XE+67EZAXAK'#(?WKS/2M2
MT@B4P1@P;Q8XRR+?BY0-C*8^,9.WCQ\AFELL^^#T#QF,>W`).:QDR"@G*4#5
MQV"-24W1VW^@Q'RGB^>7I_5?BT7G;K%:/"YWG9>G^0I;`<X4FQP7_^+]XV1\
M(73I-2+?RGWO7R7I;9"MN5,Q*:*B*#VX!%L.0O+;!1<UT=?^M\@PHQU&\`[_
M@[^[RG@X@>O1P4V/$'50B.>^>B@&95-OEQ`5U[RREOI\OS^_GYT!:$EO+Z)A
M=\:=TYSM5=?^C?_F)S)7&+E'#*1Z^@NIIG/.HV`.`/N/E;4-&<6Y1,;)[]LL
M?`I"##%K7DSCGVAO![IB_?.DO?KM":]14N",K\+T22FW`J"NL?G&*I"6=7YW
M]F#]L$@%ZKUZVCNH90(U&,^H,JE:YJ<C:4K?DS/R$R%K2BEG8A!L:M)^"-0*
MV4$_)LNF'+L!7.2<D0H9Y8L=MJ:FX:>9UIYU$AH<2SW5.+E&;SB$*V@#HUM&
M,85D35,+#%@N$7S\7Q#>[T';1]0`Y2*AA20*7,4LZ\HHAP*1K$\Y0&ZQ.SE,
M(QU#C\Z1]:K`KJ^8$5Q(@(\8*26.%T1/KF;-E:M@M'D*(N2DT3PVF3J+X>,R
MB@DO)G[PL==<,2%I;I$W^8OZY;1(C%L"HS*,-"9J9)0L?AA]V:IC9+MX5LJP
MI[!&IH3DI]#"5,(25?+(TKCY`2LB^]WAU'T;@^R7BY3*U,:8Y\66BF"%R3`,
M@G%;<5N/=:2ON9.`B-?RVLC@)9U']@M^VIC!VE?,#9$849^-PO+M11`ISXT+
M@'I3X[YQW1+B@*]DY`VD&$[!Q2^=A,)',/)YKS?*ZOS^$YGX6:CK9_7DW_W?
MC;-I.?8]S<F=\.;)LX:0XY*3?5<')3\V34V\C`/S![)(3IGKF'(PH+6689:/
MB\_)*0K).[X=9>BZQO'+S3T!IG,E.:'J%]6TO\):@Z6^/YT/Q'4>^@RZ4V4,
MVAE-)+%RRJ`P_)N:L4+1X.IOHL'QL=TC`IV+A1/+P>_>`\92QP_L+_R#=T/?
MVKXWBU99P'[;<:\II[@5Q*ZI62C4<VG:VK\]9_H*V3L3F]":PRB"69A*@0]A
M#RY=H`AE<HI@/F2;&GBEX',9-O2#AMA0H8<-?9_KDZ&_[I#YCE^49U-?AU=$
M'[3--RCUDDHP&(>:&N>-8[A3S5=D!Z9,&+DD>$SZ)4IL,B5R2A\;<DV-[/+@
ML2$]B+SW/L:&&N,M7ZJB5-5-PI(0;6R$F!\<U\#&X`#FD.:EJI[B%D>TSD%C
M3G%[/-O$87]A,W]3-6?4#89D5.9-F4:+G*+%BEZ0\CZZ17EZ(;O=(O-3VR-B
MK[H="0@^</6512BKCZQE(QMDRC=>\JR%96OOQ+/I(N5[/*-!3&NI7Y;H=:>]
M:9D>YEQ$RBF/A?'V;]D;<"ES^4,GWG3UO+[DVCN1\Z(5>(^5ILO3W5=@SM[C
M$_B*MXFL^6\-PSP"3'SC("1_N@'E@P_&.S:JNL/>H`>VM\1E@<X(!PO]D\*$
MC-S):[1,/'<+>->S$@67A[ET,77SH=QO77S^&9'4#\P3M^(51EHS5@<2VD1F
M!2+*@4HM)/4B!0[OBEC989U?=]J'G3V<38)(3HO/LDQ+*$Q%L^%Y4==`!&D:
MUP8.QC_,T?B.3FX>$:U(+=T^S+]@K04L)ZX-ST.X1LES@;JYBI<\,G_H^+]^
M_J)GF1.L^K1")3X9Y%VVUI)8".,@^:J97AQFK"P,SC5.TQ[LN,NB!#93:C,X
M$0AL?W0+`NO[OIY5&Y.EOUZ=;]>;X?PA"3.!QU3RDU=K8<W'A2`7>TQDM7&B
MFE#T1OE3S_G@)F.6]@S/)`GL*9L#C!1O>/QE+/?[=O&OLQ;-__;>Y\IT"E=(
M2E]3"(,YO(8^$[,1D)N##^BG':=^,!X"GM_XBE5Q+VOW%9;8\.V]8*%WFDKB
MTG!R"WL^E*IMW2RL'+[@YI-%)"-0UX`RM<I.'U-\)SASY;_KQ;48Z;.V&(F/
M$+7(#%$/M$ZD>Z@S/Y3@%YTG^G@FC4(Z6TS+N=!$45J7DNO1HM92CS<U)=UU
M@^(X_!N7(I>@MKL)3_2L[6[2=C=A?+7ZHWYCQW%CG$Z/[F`2?&FY`P:47CGO
M5A:B\I\.RFURO0YQMHW+W'&,`J!W>4YVIUS$J=#5)L[XX=1]X;O&M(OX@+C@
M+2DILNS#%$F8[4Z569E;C2PMP_EA>"(D@-6`IP&CM"QU_`EDV2X"?:7,BHCH
MVC61ER2X;J=_Q'QOGU43OS@BE2"`DP89"*B)Z*0"U_"4C+RP@@V0E\/@M5Y4
M[4#:T$S*W&QT<1G.3GR6,P=@\H];21G,#/I65!I]=&@/GI)V+.=;42GT5E1J
M-'7&?2LN]$)GJ<9M+$NO6.*UA&KC=1!FS%!G`ERB4^I#G)4NN>6-!]7;>;&G
M@3N36W,Q[C`:>')93WPSLQ(W&*>@@I,RRSXIZ4C5QREAV.JI5#U<=B1%B")F
M/3ZTM8BS:E3FSJE4`%O*.=B?<K8R8:R-G2,HNN)XL$Y^_[TH*,H(O$Z0@0Y9
MI(O5&9@!Y>V8-!>E%W=??J8[.6QERE4"&342*P8@ZV,4E/XX&]7Q=5;(XUS2
MADOT..=@-J_7N1;AFDNO\Z[TLU2V^UDB`[NDG<MM8#.XH[-AE#^X(](EW?:*
M:7O%U"-IM2VUO,U2R[;8"^8\I7F!2SH_4,%(,)'(P*SR`DD1M4>#/+5';E,@
MJ[,R[,Y?R.Z$':@ZJM51.Z0^P]#QPN0OK_!?\&=N=+PKJT.2&^$JD#SZ,'F8
MNI"XN140YLRU\:GRB"(TM45(;1%26X0$</_,]_OS^]F9F^<T,'%ZTJ(W<O(^
M\:L/'VQ$$E;G1QN9._5WB-QPVB\S<S$GG2+?_@PDQ(=R6=$J2X\XXNGO208>
M&^5`=K0X(4P+NT!P3_XXH+@<U*)<*BU$6!--09]Q$!&S2:DC8@70+*EZ8`K*
MBN78[01PV9`CA2\681**ZM%>J<4/N2F55*S%W7I9W)$_<"S/+5=2FF(];KDH
M"61"BL0(27K(&3)!"_!!_F"VJ#31MNB#8TQO<7M+_G>1N-ZC;>BV#=W6P=77
MAF[;T&T;NFW[=+9].LLP(T0$@8>Y@L"A]4;I0`D8W`W7C54+M^';-GS;AF]+
M3A^2_%G+[V6B-+%0QN7VGTJF1?JG?"IZ[7N]?:^W[W6Y='O[7F_?Z^U[O7VO
MM^_UNKS71WG>ZW\B[?6-/-;GG\A47Q&9#'%^_W#'1?RP\!_81@<_H)'YCB&G
M#96`>]/[M'FD12@CA.V,@*R8<=F.C6B?_.V3OWWRY]EANM99ZO?J:4_>M)K^
M&M,[D1F;O3(A$4&SG"X$T=RX'5?#%51I0!$>D=JHC6JC[E3IEYKYFX],(&F%
M.?PI'K+B3&HEF@(6`6E]C%[M2WUO(M4BT(U[<LIW,M&W)^UL#*SQBZ]U'+>.
MX]9QW#J.6\=QZSAN'<>MX[A"Q_$XUZ1AOVF&%6OGX3N)8=MYA`1<M.WP_G+;
MMJ-U`K=.X-8)G'.'=(42??.6.54EG1HY';?L"-Z.`ZO1$W)YCTS>V;@W("<-
MGXTK3E(RIN+6T:"'N:C*ZG(AX*9BW/CB]P?:V^A`&V71'XS*W'0R*=4>()86
M'8PPWE0/CG?#M+5_._Q8'^E==\@`RU)S_QEHDEY;\P);G_X0A2.;%\B$;>"B
M#>"",3UP'K\"A-5,^!@AKLT<`,$2&&G)A.$8#$MME)5$B?R7*1N(\L\[%G>7
M,H);4E.F\JQ3^DK8I'+3=BK=;[7GB*&E5#9XWA&:R'N$1'6.:O,^VKR/>@0%
MVKR/-N^CS?MH\S[:O(^ZY'U,\N1].#T9.^Y</JNCZ1V"<\=].G=4G=;UQXJ.
M@L'_POM$M*]CQVWLV/D'>2_]!US2B-M1TB5^&7%VSO5XAPHKI'JII[6B;/-,
MVCR3-L^DS3/)W&&2$J%9+X=_GBV;2,8=.AHFVJF_W3>Q7P;Q@-S_!N(RF+KB
M`@(,).4RY*^4Q9D:6QP"SVY)[B^A9]>='A<U"1(<7GIJV^I`9KKC7@\.#-'4
M5G!&8XY"2`[(']]N'8JM0[%U*+8.Q>8[%*LSG6%"W)7;SER`DBO2TRK^1?J"
M+U4S>*E&Z<47\`]==:/>Z$`"WLYH#E.S-/WUX6SB_W7I#R]=93!5QN6##;PM
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M4&H?G0*T`LD.X/V59Q(#'\]N1Q_S(N8WUGHR]-<=?OKX#;:")C-]N(@,-/6W
M?!+8^5IC1P?PV4@=[C*18SH/+^6W?";8^%F?&HOBMGN;N7Z+F>MM5*:-RK11
MF3I&969YHC($UO_;<GM?=.8GA^,:Z$1L]S23]2++M;&3-G;2QD[:V$FN00-'
MPWSWYGD:9]_X)PUQ`C$8SB:ECA_(HDC.:`<?DK?C-HN_7R_NKNZT/RK3#Y9!
M#I!LY3EF/(&U1$AO1\[NO@)0[U4;O>)M(O_=`VBR<!!2(*06_Z#W"![V!CVX
M6%K2LD"GA(.%05B-!9FZF1UMY+>-_-9%4EL_YRWZ.>EN!-5ZPV]*\I_%O\[:
MIWK"'[0\(9\-%3BW0<K"0GC-<?_Z_&0$0VZ.$LKMKRW:GS%->-,>^<IT"N<3
MH:]9%1NS$:C0;\K"P=][I]?MSE0/Z/!XU@_!%F:`=W'BLI7QD06'"N.3+.K5
M,#\,$^_X`?VTXQ+9=^?+`/EE4Y:N3,.RXE%A`PBFMI)>+.#1CP4L]?V]\?YN
MZ%O;V/_M[6<PGO5I-ZAJF9\.V_"&7::1GS!^M2K6Y=ASA3.3&)CHC"'559>`
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M'V?;<EBO>+=97QG`):"G+"Q6PO.Q,B;HZ?@T]7%&VWX_W#Y<?YJ4A647#PH^
M#8A1M8F-;6)CF]C8)C:VB8WEL?+'=F<ZU],7UBO?C$]DZN2>\K8Q&@*>R=2E
MJV(I,Q[2Y%6U^:JWDZ_:ICHRI#I6,=)*DF2K-M6Q377,$)$VU?'&4QU+AHG?
M#1P@5/Z(('')H$J>9-"%96OO9-AAY_%LDW_F0=YY4;\<[Q%<0FBPM+NR_Y>\
M==NLT#8KM,T*;;-"<^PP7;%$T]C*G/[!1I6<V:'\B#8U=$3!QNL/3H5FA6^L
MW2]T^D3/AFZ_D7;AHS(S1[F(`Y*]O,<Q11SS0MY*I0/17T@U=[\,TKN^5`W(
M0%,S9)`"<`->N<)$#XL9ZDY[,VDT84!5@\3O&N3;Z<:?B<VC<3;QV1R6:?,R
M$=4<\;N&N,+8E732IWV2,1E].-]Q3J(:)'U7$%<88I-)^@@LC_@EJ)X(2-;N
M#9E(/>(UR=06:91A(I7-D$\F)E38_J8=>]G6$K6U1&TM45M+5'5PMTVM:%,K
M,D2DN:D5Q2/BHUXL(OZTF&\7G?OU\_-R][Q8[;8%@MM/9-PA:6*HV4("UL[W
MK/4',IW!BX'=.>@!'H6$1?.;1<&GW"^[%O"SIFOOY_<@M'\.X[&#\50!VQTG
M,4*..C,;_4-=`+&FAC.N(-E@0LB32K?0"N&'V&`$&*U.75L*"4F!H\;Z7H16
MN3^;A$8'$KC8`A\Q0D2FL%;E5#8T(&]$V21!LM1WOPS'8X-1&;N/V"K%*Z2G
MEA*6`.>-*S","@G;^;B,JK>-HA355=#HD#8U'LJ,"PG1!;",X8K>^0FJJ:#1
M`6UJY),=%NTS/'Z`829^@NHJ9U1`FQKC9(0E$D<CIP^NYRLW/;64L@0X:QR7
M+.Y0G,8=BMO=^OY_B$/Q9;':SG?+]<HOLEFI)L'YLU!'=6<Z2K2\P7$8!Y\N
MZG(,M[(^1E?9H!.)A]\;EFUMWS!;?F)1.<0CXN,!8&OE0K3E=V!Z@W71P?GX
M'?EX='G/\=(=S10XBXF-!C&1/<$B$(S\X8:QJ?X%.@!S?(3U5Z=*Z>XK_"L>
MP/-?JGE8G4G$?'UT_M2:G^TWC,>_T0&#/IO`^1^$TRNUG,)RIZGNC!#I=-1^
M7J/V<C;W;_B'+Z:V=SGISP![0>;><3F.^SVX_GQPA,LOY?#\:JI+);>2</[G
M#V01>QL#IAD'A>B''IS9)))4^44:@B=-?4<+8@1,9EM%QGZ8ET,7I^O+_0=^
M6)F.^EM_!,^QNZ_%;ZP,-4]+;ISV;%XBSPRNZ14L[3*=_91:?6BVR3V&-/>U
MCI]?FNDZ%!P-2&YQ!:X45!B=,DFE.",KE1M!^*#\YCT5V%2Y3ZZ3##OJ3>%2
M[@$(%IQ;6LX=EFZ`"6.@Y-G,^3<?W_I3D+J+]P_771J&YEN5848VRMU5&7C_
M);YP2Q%C>`Q]KZ+W)T1ZW;]O=95)3P%VC,'O0HRV*$EJ0;0$(X=O*QJ2EW?&
M+V1Z7'S7;`)@Z:XU,:2WYR*-EXT.HX@"\,?'QS6`?;AD*TC2V\.0QLO;"K(4
MO&779]NR5?V@Z:_16Q:PMK2<7;1'A)'#%?:^KB`"GQ/+N"WZ)])>WVQTF'\B
M4PW^@OM/2+A,F0$?H8JV5M]S)8,L-#7572C`<865!O`=>M5T'?_=.Q5_S@6\
MWX,K;I1IJ^UA%"DK3<UK*%?[;1#I4X,QOC=T)QYX5D\[9+[W':SA!N=*LLOV
M2`J2D!H74DAT5:9BW:_):<R_R_8T"I(0[S1.&GD:1?'6:]&&&0N8U":>X*H/
M"7NV"HB?),XUN3,KW&.MH\BP19JX)8R6O/S75;.>_0SYK$_9?0W8MOME1`BG
MC=1*8UOPKVO*-OKN*T\`$5'WVF>O>XT.EW.`[2QU4BBB?:(.0;<SW^-?8P#$
MU\5&LHC(GP?K.B,2O57;DEF`+/J\I1B>R18QXC;&Z?1HF.0/R6D#]G,)IUG^
M_&10-MU6G#X7<FG^.X+J,4!U7`OA9]S/K1R,'.R]K7@^.ZH11YL;ZR55>N.R
M,UH*T-MHF4_G3G`1-"SJ+H@;T];ZHTI2FO8D\C6$0Z^D7<BD$Z:`.H&9D[5)
M&<`;^6F4<O\M_G7&`"QUS*ZSP[FU_8;,W9NJ>SA_PY^PK:57+7@%M?.'#U@.
M'E7-_$,]G0G>4\"&V=+L4Z:S)>Z^!96&1N<$5&/1*SVI#AGLBZU*\,DU,NW7
M'G)`9W?)\E[R<_J2_[6IE_IPU/365DU;H#ZS,C!-O22N89U6Z7<5MY.ZGRQ^
M&P)("F[6K9N%YZ-A'I%&&NBR@PK7-;3L[;3G2Z0\U.8A7/8A\R%CA70V!&YD
M5-IFV@,F3A;:*(MXRU^I\;.KIB_=.D->=W46@E_=2U>ID<_.?>DN]$,EVHR6
MHB*]HX@WE0@:Q#"T.^O5`D"!D??29!%`F]#X=N,>LF+<DC+F+)OBN'0O?3,-
MRW(Z:\^D19!"<1UTA_#(?1;G:N,!+"]*S\:I45]&L9=-<5#\9DXZ65]>""DD
MUT%SA&"*4AV9O)/?L3ES=8>.7DF*!X?N<*I,+.N,#@]G,Q@GX=8818J*`K<5
M1F;2=Y,D@:2:FZ*:"FU!Y.7W!N:62>!7B^P.*"GNL[27F.P`UN@%#>F/H_&M
MYIXW$86@@WR%H'.LJM]=C"'+/B/+2%+G>5/3DE@">7Y#?LA!':+(E"FAF'L&
M4BYFU*#'@-,Z8S@8T[H+B)&?8)G\)\7YA-<,`-,ZAJ558->$%(@O>AW$]R:W
MZ'@#SOW^#`,WG`;"DHNEQ#$E29I\MB3N4'+&J+\OR)[`W0L72Y7(F*0=5MX9
M1-1TG@+W_H52N=8[<DMN[L?&4Z1'V@1.#Q6G3\PC$%YXQ')"FF,)+75R50/R
M29U8;(+BN,@#<J-9?S^:""UU&V$1MS?86G=FNTO8EH.5_FJ].BD26/@DY^)@
M;3(BRLH)I:&X^/V!]OBA^H>!WZO:"<,3X"BA%F'?P6V=!08NRA\3$=F1F&$L
M;QJ.I(6L._L`N)X'A/!ZR#X\SVJ3UB+#!?"@?6H'I!]\Q3$J>XB20/KK<0!*
MXZ#\*1J)YZ!P4`M_7+D.:BU7N_GJV_+N:=&9;[>+W;9`S`I;GYAG&G[`8HX@
MNW!@ZNYL8?&QK/G^7V?-TARQ('Z3R:@'YDI(6#/_2XWV0?)+;*U[K78G$S@'
M?^;J0M0#*Z/\(\^#B=R>L3_Q8^O^#?\/,N_5#\U63_/#IV89IA7ICTP+CR9T
MA\[Z'AB[TD729QS7=N7FW#?#./S23J?PANH/9W!C-&++Y=<H_J>Z2F\R@'N8
M^LL($3D&M'T9HVZOJ?X+?[-S_1"[/8-K.HB08\S@XJM<I(C(K/`7]%W>HVD)
M>1(7BPH5[9PLC"<Y).(BMT+=8HA<>]V[7K;HU4WP<":`*)#QG[2E!8=V,J0V
M3-ME1$-NIB;K;5`=!!678V1>ZJZE"9H)WW:V&5_AB&$6#>0>,<^&'<[<J5PP
M&B>Z5('D*>>%?*?J?VOZ:V!"3R>T$Y8T3R;^"3&')AW,()LA8P?2J+?,_?)=
M7X&>3X*I\HT7=Q<I<7?1PV*S_&.^6_ZQZ'Q?/'Q;KKYUEJOM;O/C>;$JY#MZ
MP'_TJ9(1-M_1X17+4J0-;.$$Y^#;H4)71B.XIQ-EP?PZ(OP8F?+CR`SI<FMU
MI\,^X("=A%7%)`JS,,0_82S[;^KS,-S[LVJ?R8Z"K<.%)!(6K9+SB;MO:E@K
MW/H?JJD1L^TBM6.*[Z,2^$];NTHQR,*BQL$=1FEXU'ZCP^7VAX#3DU(6KE(.
M4E&H3>D:IQ#@V\]$JH4>D/O?I1X$0-='8C1A2#"`2ST*3/!7G+^`;5/\?(#3
M'")(+%^NA`/;U('G7GK_RG")G[\;9]U>'T.PHU6E3BAH2A&UA'<LU\?+%Y+\
M>V_JP.UPZY>@=/N3+`UCH7WWU?C\+TW'N-FN?G%_?:U9W)\FKE7E)92XZR"[
ML&D3P8*MNWY$932&FXY^M9B(Y_/=UXH\(]S:&V4$6'Y%7U.PL"8P(2ZH2?NN
MW$.5VVD#S#0^IPT`QZ@[EB;ND.FE"AQW<_W@>?.\F=0:HL5$,2*S$MC*39A@
M]@L`)BXJ,9FJRZE>J>]^MA'628`=)"@K"F9L^L5"L1RH6Y>;<=&WS_:7^N&%
M>OKT6)6HYR1M3<',2Y/#\(68M?EZ,6^MHTB^'DWW)CS2$C\D`5/HFY+[UKS>
MP^Z7$>YAP!$%3OR0!(RA;ZK"&BQ1\=%A/#[Z,M\L5CNG2=1\]5?G<;F:K^Z7
M\Z?.<O6XWCR[7:/^<:>>5'V/.MLWA.Q";:)>G)V2P@E5_WKT_WRI'PWSW:';
M6\I=J6@@=:';)`CC\G^69;/YK_P#TER=CW]QK>KQCRZ^FO^==X&$+V^S/MPC
MC[*@D,.6!K)_Q#(V*_=M](1>U9.[2]=B&F0EM;)*TM67A;`CBUJ?)72VR<T)
M-TLU>&Z,^SVP]N672^4_YO>J]89?3P]G](A91/*.K.YXJL!UKJ<L*$2N,K#W
MQ2ICO[5)?.#N5D['!R1L)4HVG7'5VS?#M$G][=)Q73O/_:XR[+F)82#T)ZX+
M**@QQSC;YIN:KS'_Q(85<<4\&N96/:$MVI.$%0WATZI,X3+-DM<MD_=LNV]J
MUP5W;/TSLM^,0U3N9P,%+DDK8=$RN<ZP[^8FY+C?=E]<R.ELND)V=S)U_;`@
MEDC"HF5:(PS[KDWZ#;=%XMQP+E#X%3`=P+5#B:Q4^A5.V6!3\UGHL,QD-C$]
M[HQ[HPDPK8""-XO9#[%=U2=IQK#5$[O(W1OZ`>F6KT$U]134G5CWJMO#Y"F,
M_BI#."7#18H0:2BX^4MIH6BSVCR&.?74DZ;^)(W,L#T=['K0`VQ*1%E0)@'(
MP*.I;TQG),2;<<*[LUS;.]C]2)G!9?4FKRN34+"AT]0W:#X00<P'\?=*IE+4
M#W'NX_TI@Q'8+K.6K_!HQ,PK+JCJ\V0O:GE%HJ3KXT5$;:V?OFCI6`I@X['B
M].4_2V&G@#2)\[L'*&7T:<DD!.B`%1>*>$,7+E#ECAC&?7[H(B=D.H'KN9"^
M=G[I]YH7;,\_+>V@J>97)%N%MIN$%)R$SXC)">"$/>CHP;"U1@A<23YV,0*W
M(FDYEXS!5W.$-;1X48+4I7VK3-&+V>/,FVSJ<^V_SSK>"-X\WB#6^S8ZK`Q2
MO:[T>X,!F,PFK"HF%8;%#^'SGV7[3778.([T"%HD!-X?PH8+(LN5S^S4#3?U
M@*<A!/[F+&SS7W"KKXQ+(1M<,M/>OA?;K(\C*/&9R][_+<>K+L`O,?U1;KLQ
MG^NDI)<]=*!%".=S(RAWR46(#3U_)<G>=2?V3?MP'J`BE,DC-J+PE:;5)#MJ
M(@0J.;DJZ<4OMQZF>9LG@Q[@/"T85SQ/\"TY)'6Q]QJ_?D343O7SU4Z%BJAC
M'#OK#V0Z:\!6486+KH_ADFTY55M.5;V&;<NI9.%$HY.[$G9L.<TLR-@MO%KX
M'E?Z(\C-T5>5*1V%!9GZ^"#:9)3T'2]U;$N@)\.R2)4>7M36]+.FOX:VPAW"
MQ@1R_]Y._8VL9TUWF.U7RSOC0Z)?22JO4)3>!"ZOI<2=R)0B4Q4#;R?;AH4M
MHW[M=0`6#4_EWR$='362(*(,AG"[2UBVPL,5[O/R=&5`(W_AT,P]"CHV86WO
M[[+%^Y$=:@9L\?;'</K[8BV9-&PR"$VM]=B@3Z2?(Z;?<#R%*V*_7DTF8S@-
MB:9&AXDWP41O&#UW<@66?'P$UD>L!;L39097:I:RL$SZ@!$?3SRF\HL'GW*X
M-!6C*5(!"OAV[,$E"F43(),&X80KJ%AM6`OF-HD]&9LVB;U-8N?KNNB]1O#N
MQR.X[+RKU02QG-7O>MV4D;;G&@<BTR,CZD_#Q"AMT(D\V(*M]T%K9ZF+5L1U
M!@2::G\[*:DK0]>N!7\PF\%950FK5L1^%@R:&X3(0`OH\54@-,6TC^YD.('+
MU;U>K1S!I3P.DS?=5)=Y6UK7EM:5:@:S56BQ<4B6,K08FY@W*7?6LN=!)<X/
MSY;#SSJWJ&&L`&93)JXKA*G9'O(K#W+&_IOZD'G0/C7\^/;BRUY,6G_M3F=3
MP-F?]$5+9CS#UIOZ@DD$":2[9*[X4:I[A;2M3N">HHS'"MA6L@F`%>)8VTQ.
M1&KS).-NH9D(&<AC1IQ(^U\BM\T8GF!8\8R]MJB[:\`SJRV0;`LDVP+)MD"R
M+9`$E:*V0+*$26,#$=5R9)A,Y_%D_"JO6HXLZ:S8%LNUQ7+57VYML9PLG)@?
M_GGV*B)VQ@;M#:Q%3N@B2WAG$.WQ8AKDR7RX^_J![]NE'KR9P]')82DVH"L4
M@N`"V4YOF`-W*EZ`G$1LBCA"A%]PLQY<CC%]42&B7HHX!"98-GA-=2HZ*0$4
MS/Q[.KB[R020"9PH,=-1/^G*!W%MG'Z\0U8`H8>IJ))+T?-D/D-6F(%GBI<C
M*'D2RB/5:56\MH&KTVZO:P'F,*\<#49]N#[#_/3(5)I1#,VFANP34'$]58FH
MP-E;_/340,88T6RJ+9^`B@<U'97A#$Y]\]-3`QEC1+.IYOOM]7+Q)JZ3_Y`8
MPZ=Z(@N\(,Q0DK5A(M5"#\C];W<\=1L8P&R8@Y(*3U(\>SLG@@U(.1!XAI1>
MXP[1'&M8T_S"RO0/]70FO!\.`+?*0D.%YR;<=?K!24--_J8IWI'Y<$X_AL6T
MP0^.<CL'!V:KLA\<I>#!46HTT]H].`N]D$>G[1+0=@EHNP1PED?E?P_"^.&!
MGM<)&2U?#L\>#7.#/L[F_@W;ZH2][^\DO\?8_]U5AGTW'0%FM]D4"#D60K@<
MIL;PH2:_\S-O4"$!B3_Q?:PZ/3`Q#+W2A<=?OC:20\=+?G]F4;%9'_TZ&>O%
M7]$Y/]C(<W^`]#WR3]1``8Q^YB!)7O'*C:O\[LT"S3GSX@S5P+.T6YY]+5I'
M9-+$<PA7#%6,N*K/(*W_J2BL:^/TX?234K34I>DT&)9@,]!7KUJ>F'1Z(EKR
M>]8%JV^6R'"IK[2B@?;4`[,SYOM_G37\5/]4M1-Y9F,[<JN>T!;MSZ8_D74`
MV8:<@Q3(H\3']^NCQ(UC@Q]PIK%'Z.!FQV$$L('XK-H$A*_U,0V>46\\!<LP
MR$E5U1(7RS40@:[\K\#2,Z?*M$-!%#K[6DE&XD@&(,HVR+ED@S^G+!/KIAKD
M"3,;H)+'!`^N$)'FFS&]HAD)K&4""5R)<V.7(@L+RKP+0"I@V-=*4M12`%'V
MI<@E&_S)_)E8R^]S:!L(M0V$<IZY&V\@)**CR3!?1Y,5"8EB)81`6Y@$JQ1M
M6R(P[::DDKOR<K'F[\99MZ/N#M^3C5>Q3>WGF1#QIV:_&6=[?CRB/;F"\,G0
ML,*>']"_SNK^:X,<CYT[6G/<Z\&]4(23*UM>5]Q8AV10`QY.5*GV(?*=RAM$
MH-H[VMR_-HB>/V-F?_E8Z8?MV?PXG2VE.YW-X$I-"Q(GO<0*!+_&3\GBU_.H
MIUQ?S]O%T^)^MWCH_.^/^6:WV#S]A:_JU7;]M'R8DQ^']S7^_;S`Y;Q%)ZQ(
MT.%_SZJ)]W;ZP@)C&2?M0"(8@<P\J+9:]'(.5J!)(D7LAH,AW.@83F+R7[L\
MW8A!)V(!]V<NS-T\[9L;?+'5?VR:<(E(F:96QWL#1%F"N-U*5Y;N@??X/3_B
M'SH^,@LOA\WB)T/5W<B`,AG`Y0;R$5/ID8EY%@L`V0!/(MVQ'4YF<U'I*H/!
M&&XT86P]N91J.ASUB;%R1G9HX_D&8S@[$V@Z(808T`"I3>$FMW45;4A&BZ[<
M(8RG-RI]I_Y&UK.F.UN/V*>77Z'WVR;*M3<9`=Y2I>U$MBNN&A9Z1V(B_Y'@
MNQ_S,@9DJ%")%J<G'9[VNT,Z.FK$YZ6XB:=`,Y.HJU9ZP"ASE+*A\0[#5/K#
MP#T\*2$'"2JM07`VEC`MFPR#Q_J9]*SGG0RKFM@D>B4=E/S.U=J^.^M-X;0=
M=4FYE$$F*KX?KB>]/'"K@NN]/VBGLXT.9/>3TF3"6U1NJ:`@X\N%_`Y:;KF(
M%("%A;X^$FA_PO\Y=">*ZUD!$1(6"N22&%[,?/&1W\'++3Y4'QV^;XDWKC\I
MUZV)EY7+[F`")W#^2]LF/&=I[K6/EO1NQ(]59]8!,<2<XJ3^&.[V8:!`+KW"
M"UG08F$RDEMT:&JE<,9!KQ_/.+B?;[]WYJN'SL./1>=QLW[N/"Q>UMOE;KWY
MJ[-<;7?+W0^2%+@MD&S@=8Y[<&>+/Z`/P])(;LA2MS!I3GY3X=%E"=WI?`F:
M#>`*)M.7SN^D\/-JT(&^`I;LF0(7',Y:7DR>$A_;PFFZ'-#4.%A<^,@K8\J1
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MD]P'.K:GIZ`2#N^A7QZKGX06#A9F+14&N4_Q1L7$N]/<!VZP#H1SP3*5,(JZ
MR0JG!HHY8B"O]X)'C,58=;BQ/K[@GVJ8;>1/G]7?VOOY'>]J.H1SN##3`2.D
M*1RD:Q16I)I:U'"%Q@Z9[V[#;M<J[@XFRH!64JI:YJ<C`TK?DP#RDZS/R<+T
MU&W6V">5P6I5)P]ZQQ%O;=`>:9]$I]\;IY.*OZ6>2,,UTFP-'>X,TS1^D4`R
M!F7D6LM`^B(/417*46$,Y6\EG4^\'E7-=.;,A#ZB]?'X4SVII*7V&T+V1K/^
MMA[5/7+KJGV7XU=W-NK!5=OEIZLR*1,#97W*1G)WYBKR/DZX&I+<"W*_%ATK
MQO-N#`>`;N?(0D*.1\K;Z.)E$=^;W`QYUG1B0WID#P93N!?[Q5+BF)(D33Y;
M$G<H.6-<XSX@&]!K=K%4B8Q)VF'E7I+B(=-)KQ]KF[19/"XVF\5#9[M;W_^/
MJ`Y)%^-!Q+5#.JF6M3XZ'PT-`:7G=LB"R4BD+9G?T>!\9VE99W1X.)OXTG3G
MVCKI@M8*_7+^"&]ITI\H8'MB(T),,)2-8V'<@1N>VK@6N/,I$\!P3-L++*:C
MLD7ED@:))"4%G-HX)OCSME.A@\D,$ZL6+^\+/Y%ZH]H(LW5/Q.85=97AV,V5
M`!H.D$U""8).:?;/"4U3/23._L/Q=I0+PCGN<*Z0;`*JD`].6!K@UF#0($_:
MO\ZDXQ?>2#B8SAWCK`PG/;@F&:QD5*])&"%J:N.,4'FNCT]8H>(SL]3)3_`S
MY1&A%_7+#=B.IR/:+9H0P&'[:B7,Y]]O4WME>*Z7$)&=ALRUCKR&CCOC#CVK
M&OX3C.K!B6W1]$6"!'!]O`I!R+_[^C2**')U;-`!O7^X:E';1XTL@@4ME)>D
M"]@^6_U-P+;CVG1&X.1^%#HO;J'T^D.X9-[8>@6\2=C*0];BDIU^EF:O#Y<L
ME;*P<'E.8DI@`+.!(+=?_<IA>B;4X_T[]ON+ZH8S_>J_T'\;EA,->V[G81!N
M%R2N@'P'<Q*<E>^^'+GPYR+,`.4[>6$A\BV<W<%A8$-,[L,@9<9G&SBN@^BT
M@6-9&=,&CN5D3#`T*&IS.9IAI``R*7%9(0SC,APB14_92,A]RM+?@>#OF2>@
M*5D<3,Q$0)K3"++]]#J2\GN#<&Z971?1^!U_*59^6HO/4J%T-MDNOI$>!YW-
M8OOC:5>DG\$6O1*X-\@ZXZ->-#TG(K'^=S\,TW9<S4$3G+LO[P]]29Z6\HQC
M):A(:H\GO'=G"RL>R_(^:_D"#&>*IBXM6A?G9VWLHLU"JO+CF^%]2T0BO'F&
MLPFD&RZ;`@G9SXF;-#=V<2F`R4L0)074_35CS$0^+G'-EFA<PDU39DL(XWW*
M0(G&Y=-P@0;2UQ-6K;4#,ZH:F)%/LB29DE&#/"B^UJR90Q&`QO/!S8LHINY9
M\&AJ8E2]1T04TRN9<R%JD/;$=_+GEH6<F=J`_0G<-20XUO'--C6?*;O1..C`
M59`N[$55.@,B%?9:DL>.ARDA`[7C;Z>U?#Y.%NPGWZ]E/WF6$^$%BX:S*5SB
MW,52!;*,G+C,G:K_C=GNYQ>,IQ-:Q]F$9&3*)T0*91*885?S]!W([>@GG:Z0
M22)GUSN83&D9$@D\2/A,F7Q@V8G<[O:=>;;L4(*FM$3M!/PC_[1,S),HKM!M
MS&1&^GZ0%^=;_@8F?1Z1IW^E3/09]E&A"S>'`1?F`,^F<*W_DU8%L622MT1)
M:\X3?Y3F>F%.@&'+(;B*J,;/0N4;3\Y_\?Z$_,]/;(KBG_S_4$L#!!0````(
M`)597$0JCB^6R",``-CI`0`1`!P`87-R=BTR,#$S,3(S,2YX<V155`D``WFU
M$%-YM1!3=7@+``$$)0X```0Y`0``[)U1<]LXDH#?K^K^`\YU59NI.L>6G60F
MJ<GNT1+E<$<2-:*4;.YE"R(A"3L4H`%(.[Y??VB0E"B3DF4;OJ$R>$@L40"%
M!C]U-X!&X^>_?5O&Z(8(23G[>-)Z?7Z""`MY1-G\X\DD.'6"MN>=()E@%N&8
M,_+QA/&3O_WUW__MY_\X/6T+@A,2H>D=^DQ9@N<$=6FLZDKTZN1S]^2'T].\
MY$KP*`U54<[0Q7GKS>GYQ>G%._3?Z,</;\_1L)\5_":C#S)<D"5&"19SD@SP
MDL@5#M77+I)D]>'L3%T05!)Q,Z,,LY#B^'7(EV?JGI>MB\N6:GY,EH0E72Z6
M'3+#:9Q\//D]Q3&=41*=("4ODQ^P%#>'WS*K\VTJ8KJN='M[^QJNO.9BKHJ>
M7YY1!KT4DG+Y*%E7*!=^>Y9]6!1EG+%T67_O*!%GR=V*G*E"IZJ4:FNXKO=P
MI>T*JH.W*MQ>%DUJG?VCWPMTWY^H1X&0?AB8,9[@1,&AKQ575RO*9CR_I"ZJ
M1_[;!_AOBB49D1GZIJ\('I,]'08?GX4X#M-8?T5O<X.3_`X+068?3^!IG1:/
MXY^JQFLE35$$Q/QX(NER%9/B&A9AY;MS45OOW[\_TZ7.%),K(A)*Y%G1]G4_
MP87]U8NBE9+;0F[N?&:DOR*B**6/Z"Y5X4_<73&>DOC`GE)E_\0]M1)$*KWY
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MD%?.2^RKN*TG#Z]W_V=P>,VUJCF\B@`*E+]%=E?+KQ:(-IO<`5:?)/2&=$B"
M:;R39&:6Y3>M\_.+/X9F]&HM\P_H52[V#Y;Q[Y=Q\)&C-";^[`K'^CO4S8JO
M>X![R:<8FV>_]4>Q7_0%XC-4]`92(T54](?]3?PI?A-CN+R3^L0H\)=_E.."
M7F5B6I+_>)+CF-\"RUTN`-\>E_(>?W%LUET^?UNAKM?SOP!WJ*M`TJ#U_""P
M'FY3^7!NE,J;JT%MJ)0:B3QVHY08S!5ZS%NN,!4D@L)@ST<D!IU7:#J/J5OK
MBG-&_Q=T8=7,QS$6E%+]OS!LX\_?GK\Y&#_T*A<4%9*BC:B(,E0(B[2TVE[G
M\J)"8)1)C#8B6TO>>+[;,88__@PN#;E(9CRF_.K.F5,V;ZOG.^>"UONH<1SR
M>#7%862:VQ\?P6TN`'B3(`):RP`+#%H*M!'#`MEX(+<X#-+E4NE&I4JN[AZ"
M,5[):6A>AQYNPM&K>P!N6@\L6@J/B,*]DU)Q;'HN2G'VTR,XL]-'QT/2D(@9
M%TMEAY2+..!LM7[OIXE>(E<OBWF0>MI6F/&I>>+>/8*XC13:]5-RG&X$025)
MUE,Z%LW&HSGB<:P>X2T6D3^K+W)UM['%9`Z#@7I$!8?_IRMI'M/J1.5N3$L2
M@4.8+`A:RX74!YF+F(D&-KEDJS/I++6-IW8SE[XU`%<.(HP$ZO&4G,8OX1Q>
M/H+-\KSWO=$T>(?0>$M?\^G3/OV=/QL*"B]RO7%_`+T+PY540V;S'%87,O=P
MF$D`&.8R%,JO9A!MB6P\D37K*'%L>/GD4:-@N^+1%%[",%VF>I+65ZZ0:/.E
MDGI!F%1#1X"G#`T/#2]^M-Y7F&FW)_U)3R^;^>-/[@BU_?YPY'YR!X'WV=4`
M66H:3\W&`7.6/%5F8T1"\%YTL+0:"OHS%X<+J,:9ZBM5[*$[UEA+A:/D6'!.
M0@YOS,XQM][7F,P#Z-SVXG+Q45E^Q-,$/H,N0.L^T*4WO8!T-Z"M?M"C$FMN
MC_.'T%Y@-B?28Z;(#^E+<5\=3C^:^UQ:6!:TF'__F%<=3,6EZ?B<)SD+UM=L
M#$6*FB75T0(0"M'F+*%*1["D1_&4QA3"]$L$A=BXMUF9S5:X]+UQWQV,`QW'
MU?8'8V]PK=ZCGN=<>3UO[-FXFZ,@IVHE`2#3,;'OJK;Q,(:L-6L035@N%$:=
ME$#$:H>LN*0)%W<>DPE-4I!\FZ-H%E&S07^5D47;"3YI?#H3-PLW[;A#/_#&
M_N@K\@;!V!M/QIX_L,KH*/"ITT9`D>$PJ(L:=70H2%8C-0@IA0R/:00.=KXX
M'BP(2;8`FDJCQBS;VA2H?M7[VK4E&P1^S^MH?_K*Z>FIV^"3ZXZMUFDN(D.L
M&J,&90E5W;[-R\HP,)>'`X->;;7+ZIA&`;1^B-*?@3GKQOQV2]=('LY:%V;I
M^6D?/<%8_<F<:+^;&;%NS_]B%4]SN2G/`65A_?<(HH;5S]M'`+0U#^0-U'O7
MHM18E(JI\2#AX6\+'D=$2/?WE"9W]Y&2Q#!4[QX!U2='C>L#A9/ZP&__\LGO
M==Q1\!?D_CKQQE\M7T?(UT[O*8/-M`?UHS':K(-U+/3Y*R)P95))<FZ8K3>'
ML^4/W9%CIY,:@4T^@52&PW!&GNJ^D7Q*R#[]/_[I\S"%WZO#(I<ERB!Y#'9,
M:)'+1&!BVIO6,X?YMY=?PMZ-K"FHU!9+RA].ROH'+)TI3Y,NIN(SCE/2)QBN
M:FNSA<SL9FEX`;4RV]SQ@G;/#W0:"^?*GXQ1U_%&Z+/3F[BH[SKPB;8ZEI^C
MX&?/GD;-D_$$6ZWJ_HB#F;*;'(^8M%*$J)1$K^N75O/SDJJA(Q*F0NC]CY+6
MK*MI+"7'.%YR87H'I,+SZ2KO7B"HEE);UY*<J!`4\A>O145:5LOTL3-=/%QG
M4]QG`\[$@4POU5_.IH;C.VNB#Y['])IAG"`0%&E)@6C8`VRI/G*J*[&=&D_3
MP9W/T;,VPK/I//FS;E$:PF1$6C=:X3.S8]Q6ZW&*SN^BKC=P!FW/Z>E0F='$
MCEV.D:MZBZKP,NT>UL1?/8DP:Q./EK5:ZZA0,VT?S:@R:RN;PYGZZ$9/7GPB
M$>2@VV$8%V9#CR^J&LL=>9^=,01*?'([U][@VAJ_8P&EQM(M#`<97]3-@>Q%
MQEJSXX"G:KH6-#%JM1ZK;*QY:A`XV;)T]5@"?U9\5J-]))_RR'3RFI_J-%"V
M@KWCK`#UNFBDG7`Z,JK\F<_(_Q#![__S19^+NI4I#1WG2_/<51>G#N8.7O]G
MZ_S\O\[/SQ$7"-IN66PTBT66<O?;BC!)?+97T5'R$IJN.LZK)6Z=4#UO*\RV
M6XUW%)3U<9(*O?KW/)VW?"&=5SD1H)[`C1A6ZQTACU7GWW0^N)U1A];+;PP-
M[G(5\SM"K@A3G90,E1M39H),S0;`MUH5Y>+VASW_J^NB*W?@=KTQ&O8<&Y;<
M3#+V1(<I4HS'AKVI#OOJ:;&!8,?#4"E&9I-4*B_@3V,ZUQU2"YCD6(WSC$-V
MH$JZ%_I22F&6MQYMFF\I/!X*=T5J[4(0@K*,0U@]>_`@"/?%7UD&CX?!+$GH
M@"=?2;(Y&LV1I321`Y(,U?UY1,,A[+GFK,UES4D+&:3L3N"0L]7*=$)[I2\K
M<V('H9KG054R(B5DZ0`XA"7"V_DAE:RH$!;ETB(0US)]-$RO]]Q6;#N$>D/A
M==QW-V51MF4RK9EITT"'=,KQ"N.9Z<-#%,^5&;=#>"[E-ZV:_RS,&V0LAWUG
M8J),3DOR\9!<J":YI87SPGNT,"A@XR>**&`K:2P/`G8M147#%@!;#7M47+HR
MH4L8@'13."R[*(3O=D2&:";);&KZ;!'EO1X\3B\3N6X_R@18<UB(8%D\&A:S
MK-"%R=^R[E7[O_']/%9-)YVE$JI/?*X15LZ`\@2F7&FOD!K/\/JF>K+L(3#G
M:<PW7L%]ZU_G)92<8%6C+A-Z?ESR*YT1W?X>CN;WH-_JIP\'\H39\][!LX+9
M/,257.F'0`RM_HO,J$6EAEOPC@:\+X3.%\JFYD>UJT>9+E?Z(4Y4R\9PZ!B!
M`SE)52WOP/,6XS2)7F+BM7)@U"&,%@*BXC#ZDH@(9$0)1VLIZ]2NI?G[H_E1
MX[*,Z)<9FU46O5^`:3MX.U:R*T$7BD?3&X4.7LZR01@-(<53XK$Y54\C&R^4
M^*#8[.:?RC*3-Q@[@VOOJN<B)PALIN\&XE"U8A0;WN)S7HVTJ(!A;4N3$+DA
M4I^'$T!V#7KOZ"1J]J2`FAQ-WN"S&^A#;U#@ME6S[3E)3>5B3]`6E:9CMLXO
MJ^$TM:S8D*WC(:B\%"83G<4'5FV+0!D)&R>JM>IPDSR<PO9X:GH95W%78\%J
MN=M>%)-)EI8H6Z%=!\_(;(]%(17:B&5I/2):62)PF*0X+N^Y>!#1)9>&SVFZ
MK`89'$3GNOWW=EM8'(\0QU(V7?5D0R*8WHY=5)%?:+*8,$%P#"M"L.*SBU`:
MTMO4\+&_BM'#O+S[^]#60J&-5"75*=&MD@MM!$.99!;<AH-;F:NBTO0.H4.!
MLS-5C>$$EJ/'^-LV&&:Y:+5JN(`#?-#8^8<=93:*@GV#R\3XAJ#+ZI)AF0P[
MIFP\+_?C@STV($D'6B5(I$K4Y8*N0PLB@EF48&P\_J=V`J/,6#4*&()W8$VN
MD`,I07;D>[9<-IW+)\'X0B3NM8/;)%KVO@/V\EP>72Y*']<3!TO*YH&KF4/;
M!5R1=T0-_XHH1=U<2UG3*8.H4U4NIEKR*Y+<$L*Z)"("QWIS"AQFKNJ,<$+@
M6*+9C(3).C`W_Z">2C&=R41@0A-A.&E][0S:+C:W)42YB"B7$:V%U,H2I,D.
M/2H$+?&L/[5(-Q/IZ@Q%8CJ8Y@$+;"<F&D)%CV\G+HD-+X!7Q@0]WV8I:<)S
M)^K9M?ER29/[B9/CT/"L5&7NH><Z@0M'3?>]L<V5W$@>JFY*;#SH]VW5;:Z0
M83V(YC)2<2/BT+0;\;#JL+Y$<_C@6:JK'?/:L?&8J9H4!-J]T//9=CJ[D7P$
MZ7*)Q9T_@W=#+I(9CRFOH47RV/2&Z_.:Q&@Y,'FS8!`,#4/KEEF"FD90U>R8
M7EZO'[182],8#@:<K8B``!K*YMFDO<?".(W4V['@J7I,48=,DQ&!,QM"B`!C
M<SF.1(D:AFD2B:1U87;`6\DQ,O`'IT-WU/5'?3BT(=\3X`W:O4D'+HQ'_N2J
MYW90Q[T:HY$+9SJTQZHG!M>`7&=D>3M>WO8L\^?\,</1:.^J2_W/)]`&"'QG
M7%93]V?3PSLQE9P:/AY)D5JQLR9(K4WVGTEGV?V^V-U[BTCL@5F_,(US96QA
M&F<X%7HC<!&ML!89934LXM\1XK`B*R)(^%0$&NM(&YS&=7.T:[XAQX%QOBMK
M>J;Y+H0M;R#*0G2TO);M[XMM]68?P^85=&6VT#3`ZHJE]+N@M#+)E&-I>JKI
M!:8+[#Q58_`;"K)4GT$HK/M[2E=@T4I,K3`Q._E4R<`X'+E]+X"#K@<=Y/XZ
M\8:P:&;!:"(855.H^#!L`W^L#E+J$;%&K-FP5.R38L7L$<2'*A-K;IH#"E;?
MF4`B7,SNNL7GI9W&95["&36;(JLRFS=T1L!'V^\/G<%7U/4&SJ#M.3WES8![
MXXP]?V"A:3PT^1F]P8+4YM0"D*:&\SY<U"S4'T(3>I4W%F6MM6.Q8P)MSV(9
M0&9XI>RBY@"SPQBS:V%'B1?L7B'+[#B2-I:+;LQO=^@SR<.9<=HJTZ>'T;9I
MMMXXJQJ.=,LM?,<*G[\B8E?F\(P^;AR^RM3G4^#;--S"=TSP50>+BC*SH\6G
M>?]V[-@<B$2^$3Y(>/A;F17#.5%;=?,*77<T<CLH&/OM7RP+S6)AGUMN/`]J
MZ\<:4[7-AW7`CX&:TI$^Q?4.O:$18=GGV3D,#F-IEMVN#B[)5Y%<&<[9W:J?
M`]\F;.MPGZ+]J!``:0GRHR301@:+8V-QK+I`II/R/6C7K+/3&#9&9`Y=RL5=
M&Z]H@N,2&,+P]N>+RKA_Y%Y/>L[8'WU%;6?HC9V>):)Q1%3MD3"]`?JB)F]0
ME0UK4QI,2<6L"--;H`]1']:R-(:08,%%`N>-77$A^"U$DY7HD%/#Z54JIU4&
MG_S1^'3LCOKHRA^-_"\0%V:Q:"`650,CIZ;W.[^O&IA:0*R-:30J%2LCIZ;C
M4`]3)-;0-`<3&-7"G#]A4LNISTDL,Q*N#$_<5H[HS(:U,,/O#H)L0E\?D6CI
M:"8=>V9R%2W&IW)_JK$^.XBQ<[K'Q-%F;K=TWFXM4Y(;/Z+]IVH@Q6ZJRO.X
MI;9:QHZ(,?VYIUK%0#W`APYDFZ7)W0[D)%V]`'659:G#J,N6"M;-1]!^5`A@
M.6P\AU7?.S1^\O3!CI7UOYM#2Y''+*!S1F<TQ"QQPI"GZF?.YD,>TW#[;%FE
ME[!AC[S&OYKT^\[H*_*[*/"N!U[7:SN#,7+:;7\R&,/^P:'?\]KVS-FC(<C%
M^F`X.20B6&!1Y[H#6&1E_&305HW).Q@O]*IH."R3(]UT:^V.CKY](T;`SGA*
MSV?I-#N*/&;6]-^[^X29-9D7S\,K:Z(EZDB(*LU3A&&ZA(>@&I8LB``W7Y"%
M\O25KH!S57?H-\DQ#TT?4*647'4*XQ$4;DUJ;`1#6C*T)9H^,];JPJ,CMSKJ
M!!I-+_H\2Q?:D6A3B"(Q"=7O_]<4BX2(^*[-F50<1:`4UMM!.CC!99Y^-[S#
MK751R3L:N#VW/78[Z->),QJ[H]Y7U/8'@2*HX\#ES980]=ZQ(!T/2#76$G@R
MO&NMYGR0QR%E[=XQPE6U?<"6X>UJSU16UOPU"*PY;%`=$0DY(LO8",.!W-7I
M,/=:9\`9N<&D9T^Q:AH+-59*F`[AKIM0V*;"&J&F\E$U-,)T\/9#*L/:$9-L
M_'SV348?\&I%V8SK:_D5QGC6]NPB7*/+%1<)8@H7N<(AV?.L*9,))!4Z03)<
MD"7N\5#?;$\5>'=:U#N%2Z>MB]/+UNMOD"GI[$G-6"/WR&84]9[4#'T_2<+7
M<WYS%A&J[MNZ/#UOJ9OL;$=M'7AQNJG\R!;D$KW5[\`7/+`+B@H@^]LG=GZ4
MB+-$07;&.#ME*:B7\+`&E&L.LHK0D/?P$%KOGMV<IS7E&>W8>K!4Y^A^-`^E
M:OGK)U$QPW*J!4OE*6@!>7!#RC7G&*^RIA!E#];W>G:+UO=]?H/@RM-_-T6O
MZ_E%<??HIU6N5[QY4FON_S#?9P:9D3F,_PYC.!9BJ]8^AM5H4Z>/AY9\/''"
M4!"X,234CT@6!0AV&23:.`#_?*`<HW$,YOKC22)22-VK6D8_3+.4<Q]/(C+5
M657TU97>'`[&27V0BCS]HDRG,J%)"N^N!4]7'T^RXC0ARQ.4Z.+9E25GRF\4
M=Y[Z!&ZS7[S]JQO*D!*XC]R6]>!*]P7'4SBM/DRV.^+9(JN;4C8W(;#VJAXC
M;%[A!02-D@\+55*$Z51WYU-%GL^%QMZ?]97S2E<Q@1D4$J:PW-W'D+H\N>NH
M`NZW!.32(;DQOO/8$-_I_,+X;NOY&[IA_8_BV2P4E0[IFCC.]4:7BVO"B,#Q
MB,K?^F0Y):(L\@,%7QQSY0<H^_LAXDM,#Y7L%I2+:B^<?0BD$CDL.>/^K"U(
M1),1H/V%)HOU8\TS8<I[\C__=HW5@K72J;&>&@L6UV2?1W1&2>3(W>G_'^RQ
M)]WS@6X+=;_7]5LVC$A>K-N*\?)Z$O8*LYK?SMYBS?OE5)KKL1#.KH94?#P\
M1+[Z"@V4%)P3Q6088RDUB%W!EWLM7G8<&L"\U0//N]&3`7]QQ<`2&M(52!"$
M?`6G*F$V5W_:_$:9@/F6H_!P6>,&#QXW.`BJQ8=(<X.I_GZE?@(<DT!9;&6I
M*9'*?">4I3R5$R9(EI(('LV02SWET[KHJQ(+Z2NUI602:]V>:;72@_:8X[>]
M<K?\/W[I4^W+2^O)_ROOVIH3QY7P3SI_X+R0D$PXE02*L#NU3U,*%N`M([.2
M39)_?[HE&]]D6[XP;K(OV1V0FNY/MU;?U!N"WX+SOQ#79PYZ^X%=IMAOP;G[
MCU+'?1=*58``M9=$_X=_S781EX\^_.7B+\ZD@G-"1@C+?:@B&Z8#"7XWO!Z9
M+_]D0<S'P"I'[#O@M.%B<X"?WA]J)\0=4[[J"YT[_>^+YN#YUTJ6.G:53;XH
MY$_N[P^P8<^,AI>:/C9<'IV.C`[4"!A+',7XR^>!UT/\I%^[H-T&?RP=V<)L
M98_M*[6%T.W!<.;)6M^,@X:%WJV!LA3\LO^=^7!0K/1N#13[H3`(ESJ2-P0-
MFDQ]`0.,K/<%HT2$JOCP`RIW2?K!?-'ORN5&B*S]U%4NO"".`E`-(:):&)J)
M?;%_`^*^YT.?BNFUM@4Y6ZLIR<9E=NM_^#SIT*[$%V!<`<;'].(+_QCG5<A^
MW<=>_]U'\%*(;B:\F7?6?B`T#3\>@G>S=XG]$M1=@9IO15[WCE27>#<Y2A>`
MA8"CC2OM4NN-32/-:0^(NUCY@BL4XQ79YOD'CDS"K/F[X9_175!X7.17G\[C
MV]_-+A"E/^$@]#V3\@L&2%^`E[ORUOT$I_@F3*]^(-PC]]#9_*2=)4S@CF<K
M$/MK9+I4%Q3ZU6"")4Y$X+5R)M2V('<F9)SB"*SYEOMG9#"_EZ-3+90>GM48
M\59\!OQ7;PI4/?'YU)Z,WTR?684RVD&#,/6<E^\.?0E,;UY!]P%.QY@%F5:_
MW&W\(Y_S$_H0%"CV3['P8.UM#F&LF/#F(;`MU5*^A)+KJQ#*@Y?#(B;C4J:[
M.0P5]!5V\LT'#\[<^&A&1;%*_/L">95I^&^8@5K&,);C`Z>)?F_@-@?)QY]R
M"=5O#MU'.#YP2),N;/(42HQ/#(6'UP@=HY1I"A;%TJT#/3W3!&;RL\\_U`L,
ME'Z')(U!;`K[[-R3J"4)3:4P8,G3*\^<*;Y\#_R]49`O_L@LWRZ'08^^5*?\
M''/XN'?'!?Q/A$5*7]@GFHI6YLZNJS+S2.E`/1_SYG8/`MCXRD4S%I`9@]RT
M-@B+#,9Z]AKC:@81]!M]#\=3$'YQ_@2'J&J&P*'[=>QROHCXGLM>0H\U`6YZ
MY/^$VR)64M(,-(I9:CG]Y3%A41_;_KLFKLM=Z\!<"_BPH64'UU/17S\"+;+'
M@%6R9-<R2[7P)9=_"/AONGR3V=V.57>*$X<&ITH=.A!?0_UVNY<I?@6!FQO2
M/?J:^&[3`#KWO048'$?Y-L>X_PC?]OA>>%2S]S".+LPO=[GL%$POPD[0QEQ-
M\E#TI4`MTS-]<CE[9+EZL-<VN=:)#E.K`^MKG6-9?(YX]EF(:6UO>IW$5,\_
MFLS.`8FI3;S/]>764="T\;7\>\XW[7FXU<L"5"*C)BW$+I1'_9.VM>;4G-K"
MNNP(L]-),E^Q`-1][^_8N%KRD[.UY;0W@`M[S_X_,;J,4#'[Q$<\N%4*:[.)
M1:AZ<6%IG$R6]8H+%I1.=M<.5!V$%O[U%K!BE4CU]J97&CO]9,$065I"'SKV
MHQ#U8%,=+I\EMH)\`(-EL^Q/@MP&VB3)L\_>_<`DE`U!I)T.45C$/HMCP*HJ
MH)EAC$\HF/D'ZN>Q*JE!/?K2U8O:A)GEA:DH2KUZ3ZXYV;C.55`PC@B3*(GN
M.'4(`P\_#X.`;_WHS(.OAS/,;X9VN>5N<3S!J5V*EKGB;Q`U>/64>"$\U+9A
MEEP/59??N!U4$ZM_8LY;<U`4T3$:WG'C/.->,V(N_2<V$5JXOHQGX@#\>?"W
MAX1Y=2G7G+@/FP'H2.IV9L:8Z^J;K!],TU@*C$I=[C+/04[TN@9DZX3H-`M;
MN"%*4@DD<&I-+HJ@D6NLT:'*2IES#[JJF(,(%06L0Y_;&63DVGTBYUO3DQ%.
M$]C=./?^%PL_E&_Q>R@]V&TC++^%9D5D-TV4F/-WZ(KF\*KX`PF10Z:8))`-
M9RYE#'/)MN%>H+'\"4XB6$8_BM-_"!&B!U8_D4I%LH80H>INJI.I<VFG#`-'
MU`;_PG>#='P(OSUDE8),HT/8^@N4(8W@V"@+W*-@T7!2A$^%'H*]\B@UR)J0
MJN%864C>/F;N)8G&)/I=<1MIUCD3)XRC;2-OKF#4J=>T#N$.K#95+QI&YM8@
M:*I<-`JUVP*DN6K1*-1N"Y#6BD5C$;P96.JJ%?4G05-TMP)_O7I/GS1@7`5X
M%<%DKJ+MUO(=72MM@=F*/=;Z+3G;6X'+BJG1^BUM&9)H^1/?8BF*BTNX6;26
M3I.'*528[2$?8>G$5F)^XYR;_R[$VR&4$>Y7N($;2S\LR;QTSEW(.N\R3ZJ)
MIM,,+=3]Y2V#F2I'$"VE_;T.7D!F3+)$[U.I<T,7%+J\Z8!'AO!TJJS:L$_D
MNP",<Q_"<\9!AH=/?`>LJ^1I+_*R)S'0<*+B$M\F.32YN,,.U0(L((U+GFH\
M<RJMF0QIJ:9L8]#3PX).2WORDP?3.-X^V`D&KGIBUK>AI_*4>-U\A*WRY-K0
ME$?H7V#!PS]QX3YCEZRM-4$9TXB%%9/PUR*6O0%A27+^9,_SS8!@#@"&_58C
MQSOVHQ8I;F._3V'^@72FO\'C;G^I:)?7+%=<ZDPRV.U-U/<I]T%U/@RD0VU^
MZ$-P48QTKRSRID:3W\02YLKA^G5"U+6C(<>*J6@>\YG*;&1E$:Q-**POE?CX
M]UQL];+']]R.1[]<B;.U)0UA&L-NZQJ052:3,ANOH3FWT@HE<V#AS/`M6K6,
M([S_>D6C1<=^1._>I4I#^2=X=;!)\M;N8RC7_!B>=3`9$U@HNFQWR$,S(M'I
MIWPQK0(.\(VO'5)),2_,KWB!C2QB6,2EBH)KOVE]%Z\\6G,OWFI,1/&"F).I
MN1G9-0[3JESEWW83:6Y&3G'/-"F,F<#D51B((,;]9N/)\AOD3JWI/D#^JNL>
MY=E7<-9O0MPYM"#H_EGN"L\>6Y34862HZ:C5,579H%JMP+KBOQ66080(`E,>
M9@=Y8!TT3Q57&A2RY1V&M/'M\9[]B>HYO:1YAI,9:0^&)4>(W$JI*FE/OHI"
MZ6]9D.1,*DS!9<$6@X[U]GA_8!)?I=X]`N=A8=&,0NY*2I][<<M,#%#J00=8
M")U+:@KLF"=""K<>Q_93U^S4Q891Q5E^@,[Y[._X0BA`$IV*957/H2U9?:_I
MI?@[?'249\_,)P]<E"7OVILV%FO.@@>%1>GT:%8TWZ9&Y/3>Y/JH-N%LJW.[
MUWR/>TDHO\K%9=N;DAVW[-ZXW#4^0H(>H?R]LVO':2^>>6Z?N3:6P&J#3V#9
M/7(.`UBZQ[AVF+C2P4IO(5C>%@LYS5G$+&IW4R-JBD*Q6IY--:IM05N4-?<P
M6`+HKT!+X=G\JA6MH<?$BZG`9MD"8/V6[HU_S02L<8MKO_P%N0-*,VASXI>_
MH,?Y105`!5[?8#`#47M7;.O"L?VTJZ+Z=AF:Z7<L#@J%)IN;4=O#LCVH($+V
MX97N4!T83#4M<TMN+I[LU)JH;2'C/37MES;>N@:$]UY^BN7V@,^4['XRB14J
ME-91B@NFOM&U9I\F[R1`Q/S:YQVMWY+;C-^V!^[%Z$@USD6573NYMXSQ@8PL
M%;QZ:<7KJIYHMO*?5Z!-P>B9$TNIV&R%Z@^%5=!2BQ-/GN#(O;_C@M(`<K<"
MS"N/5IHI?YL(=1^J:!`X;B2)`63"M*KJP$(4$YJ$M^;)$^CE>%I3?L4%NJO]
M&"U0[P^H^JJ%F"=WD`W[Y"X+SZTC46$?V/:`^R;H$J)M2\ULC%U0&><7:,%G
MB=)O1Z2]$RTA<T]BZ(>1M-;K(*=3/V*B5HM0YARK^8A0]*$Y0#"$'BUH:M_%
MW%6344P6B@,^PXG>!D@#H*`M<"\?LP,:H]"E!=5*^D>XI;_QO?;S+'>%*'0'
M3+H1H"6\36LTVJ*J&TX'1$:@2@*F?`KQPV<RS9-G+QYA%U2KQ'I1=8?VZ$O/
M>E!,H4X?=R@EHY226;ITFCXR]^W(@N`N5K[@2MEK'M0WH3=@\3MN1AP.Y&@/
M*&MN'SY/95-I2SNB1E*<,_AZ?&6$RE],GFZBTRXL;J?2YR3XU*_*6SDM?$.#
M5XM#K/3Y]'RFQ?&-U2K)*'H,Y4_0(C%"S7K[R`O4D\#TFRFJQ\%7&C"S%/K%
M6=@/<8@P8B])9Z@F<P"+<A/BYSZ>C_ASELR.C2<K>2*_[R<)P%L7,?P2>ED<
M657WRL/5FP35,Z%&G82QM`1?_]!UTCU+&,U`.M1<NQL9JVH^>>%3<LI+XO_+
M7((YSBW?4:VD\1.FS_T!_G"9N&IGWME7H:QJENU-IQRD__X'A5-PJ3LR^.?_
M`5!+`0(>`Q0````(`)597$3?(YJKF\L"`.;9.P`1`!@```````$```"D@0``
M``!A<W)V+3(P,3,Q,C,Q+GAM;%54!0`#>;404W5X"P`!!"4.```$.0$``%!+
M`0(>`Q0````(`)597$28!:9T\S```,"\`@`5`!@```````$```"D@>;+`@!A
M<W)V+3(P,3,Q,C,Q7V-A;"YX;6Q55`4``WFU$%-U>`L``00E#@``!#D!``!0
M2P$"'@,4````"`"565Q$&7>VLZQO``"=B0@`%0`8```````!````I($H_0(`
M87-R=BTR,#$S,3(S,5]D968N>&UL550%``-YM1!3=7@+``$$)0X```0Y`0``
M4$L!`AX#%`````@`E5E<1"<M-1LOHP$`F0D:`!4`&````````0```*2!(VT#
M`&%S<G8M,C`Q,S$R,S%?;&%B+GAM;%54!0`#>;404W5X"P`!!"4.```$.0$`
M`%!+`0(>`Q0````(`)597$0B9=QH@+L``)^-#0`5`!@```````$```"D@:$0
M!0!A<W)V+3(P,3,Q,C,Q7W!R92YX;6Q55`4``WFU$%-U>`L``00E#@``!#D!
M``!02P$"'@,4````"`"565Q$*HXOEL@C``#8Z0$`$0`8```````!````I(%P
MS`4`87-R=BTR,#$S,3(S,2YX<V155`4``WFU$%-U>`L``00E#@``!#D!``!0
52P4&``````8`!@`:`@``@_`%````
`
end

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>140
<FILENAME>R27.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ACCUMULATED OTHER COMPREHENSIVE LOSS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PartnersCapitalComprehensiveIncomeAbstract', window );"><strong>ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNoteTextBlock', window );">ACCUMULATED OTHER COMPREHENSIVE LOSS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 19.&nbsp;&nbsp;ACCUMULATED OTHER COMPREHENSIVE LOSS</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table presents the changes in each component of accumulated other comprehensive loss, net of tax, for the period ended December 31, 2013 (in thousands):</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="554"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Net Unrealized Gains and Losses on Investment Securities AFS<sup>(1)</sup></td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Defined Benefit Pension Items<sup>(1)</sup></td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Total</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Balance at January 1, 2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,141</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (9,520</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (5,379</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Other comprehensive income (loss) before reclassifications</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (2,963</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,161</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (802</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Amounts reclassified from accumulated other comprehensive loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (135</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 441</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 306</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Net current period other comprehensive income (loss)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (3,098</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,602</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (496</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Balance at December 31, 2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,043</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (6,918</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (5,875</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 1px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">(1)</td> <td style="TEXT-ALIGN: left">Amounts in parentheses indicate debits.</td> </tr> </table> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The following table presents the amounts reclassified out of each component of accumulated other comprehensive loss for the period ended December 31, 2013 (in thousands):</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="570"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> Details about accumulated other comprehensive loss components</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Amount reclassified from accumulated other comprehensive loss<sup>(1)</sup></td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Affected line item in the<br /> statement of operations</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Unrealized gains and losses on sale of securities<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (204</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> Net realized gains on investment securities AFS</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (204</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Total before tax</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 69</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> Provision for income tax expense</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (135</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> Net of tax</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Amortization of defined benefit items<sup>(2)</sup><br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Estimated net loss</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">683</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Salaries and employee benefits</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Prior service cost</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(10</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Salaries and employee benefits</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Transition asset</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (4</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> Salaries and employee benefits</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">669</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left">Total before tax</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (228</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> Provision for income tax expense</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 441</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> Net of tax</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total reclassifications for the period</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 306</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> Net of tax</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 1px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">(1)</td> <td style="TEXT-ALIGN: left">Amounts in parentheses indicate credits.</td> </tr> </table> <table style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 0pt; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="100%"> <tr style="FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-WEIGHT: normal; FONT-STYLE: normal; TEXT-ALIGN: left; LINE-HEIGHT: 12pt"> <td style="WIDTH: 1px">&nbsp;</td> <td style="WIDTH: 20px; TEXT-ALIGN: left">(2)</td> <td style="TEXT-ALIGN: left">These accumulated other comprehensive loss components are included in the computation of net periodic benefit cost (see Note 14 for additional details).</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNoteTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for comprehensive income, which includes, but is not limited to, 1) the amount of income tax expense or benefit allocated to each component of other comprehensive income, including reclassification adjustments, 2) the reclassification adjustments for each classification of other comprehensive income and 3) the ending accumulated balances for each component of comprehensive income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e681-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=27012166&amp;loc=d3e187085-122770<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e689-108580<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=SL7669619-108580<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e640-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 17<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e716-108580<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28358780&amp;loc=d3e709-108580<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Reclassification Adjustments<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6522872<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComprehensiveIncomeNoteTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PartnersCapitalComprehensiveIncomeAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PartnersCapitalComprehensiveIncomeAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>141
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="utf-8"?>
<FilingSummary xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <Version>2.4.0.8</Version>
  <ProcessingTime />
  <ReportFormat>Html</ReportFormat>
  <ContextCount>381</ContextCount>
  <ElementCount>634</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>true</FootnotesReported>
  <SegmentCount>83</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>4</UnitCount>
  <MyReports>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>001 - Document - Document and Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/DocumentAndEntityInformation</Role>
      <ShortName>Document and Entity Information</ShortName>
    </Report>
    <Report>
      <IsDefault>true</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R2.htm</HtmlFileName>
      <LongName>002 - Statement - CONSOLIDATED BALANCE SHEETS</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/ConsolidatedBalanceSheets</Role>
      <ShortName>CONSOLIDATED BALANCE SHEETS</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R3.htm</HtmlFileName>
      <LongName>003 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/ConsolidatedBalanceSheetsParenthetical</Role>
      <ShortName>CONSOLIDATED BALANCE SHEETS (Parenthetical)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R4.htm</HtmlFileName>
      <LongName>004 - Statement - CONSOLIDATED STATEMENTS OF OPERATIONS</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/ConsolidatedStatementsOfOperations</Role>
      <ShortName>CONSOLIDATED STATEMENTS OF OPERATIONS</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R5.htm</HtmlFileName>
      <LongName>005 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/ConsolidatedStatementsOfComprehensiveIncome</Role>
      <ShortName>CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R6.htm</HtmlFileName>
      <LongName>006 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/ConsolidatedStatementsOfChangesInStockholdersEquity</Role>
      <ShortName>CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R7.htm</HtmlFileName>
      <LongName>007 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/ConsolidatedStatementsOfChangesInStockholdersEquityParenthetical</Role>
      <ShortName>CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R8.htm</HtmlFileName>
      <LongName>008 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/ConsolidatedStatementsOfCashFlows</Role>
      <ShortName>CONSOLIDATED STATEMENTS OF CASH FLOWS</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R9.htm</HtmlFileName>
      <LongName>101 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPolicies</Role>
      <ShortName>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R10.htm</HtmlFileName>
      <LongName>102 - Disclosure - CASH AND DUE FROM DEPOSITORY INSTITUTIONS</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/CashAndDueFromDepositoryInstitutions</Role>
      <ShortName>CASH AND DUE FROM DEPOSITORY INSTITUTIONS</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R11.htm</HtmlFileName>
      <LongName>103 - Disclosure - INVESTMENT SECURITIES</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/InvestmentSecurities</Role>
      <ShortName>INVESTMENT SECURITIES</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R12.htm</HtmlFileName>
      <LongName>104 - Disclosure - LOANS</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/Loans</Role>
      <ShortName>LOANS</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R13.htm</HtmlFileName>
      <LongName>105 - Disclosure - ALLOWANCE FOR LOAN LOSSES</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/AllowanceForLoanLosses</Role>
      <ShortName>ALLOWANCE FOR LOAN LOSSES</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R14.htm</HtmlFileName>
      <LongName>106 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdr</Role>
      <ShortName>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R15.htm</HtmlFileName>
      <LongName>107 - Disclosure - PREMISES AND EQUIPMENT</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/PremisesAndEquipment</Role>
      <ShortName>PREMISES AND EQUIPMENT</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R16.htm</HtmlFileName>
      <LongName>108 - Disclosure - DEPOSITS</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/Deposits</Role>
      <ShortName>DEPOSITS</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R17.htm</HtmlFileName>
      <LongName>109 - Disclosure - SHORT-TERM BORROWINGS</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/ShorttermBorrowings</Role>
      <ShortName>SHORT-TERM BORROWINGS</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R18.htm</HtmlFileName>
      <LongName>110 - Disclosure - ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebentures</Role>
      <ShortName>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R19.htm</HtmlFileName>
      <LongName>111 - Disclosure - DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurements</Role>
      <ShortName>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R20.htm</HtmlFileName>
      <LongName>112 - Disclosure - DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstruments</Role>
      <ShortName>DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R21.htm</HtmlFileName>
      <LongName>113 - Disclosure - INCOME TAXES</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/IncomeTaxes</Role>
      <ShortName>INCOME TAXES</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R22.htm</HtmlFileName>
      <LongName>114 - Disclosure - EMPLOYEE BENEFIT PLANS</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/EmployeeBenefitPlans</Role>
      <ShortName>EMPLOYEE BENEFIT PLANS</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R23.htm</HtmlFileName>
      <LongName>115 - Disclosure - LEASE COMMITMENTS</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/LeaseCommitments</Role>
      <ShortName>LEASE COMMITMENTS</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R24.htm</HtmlFileName>
      <LongName>116 - Disclosure - COMMITMENTS AND CONTINGENT LIABILITIES</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/CommitmentsAndContingentLiabilities</Role>
      <ShortName>COMMITMENTS AND CONTINGENT LIABILITIES</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R25.htm</HtmlFileName>
      <LongName>117 - Disclosure - PREFERRED STOCK</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/PreferredStock</Role>
      <ShortName>PREFERRED STOCK</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R26.htm</HtmlFileName>
      <LongName>118 - Disclosure - STOCK COMPENSATION PLANS</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/StockCompensationPlans</Role>
      <ShortName>STOCK COMPENSATION PLANS</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R27.htm</HtmlFileName>
      <LongName>119 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE LOSS</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLoss</Role>
      <ShortName>ACCUMULATED OTHER COMPREHENSIVE LOSS</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R28.htm</HtmlFileName>
      <LongName>120 - Disclosure - INTANGIBLE ASSETS</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/IntangibleAssets</Role>
      <ShortName>INTANGIBLE ASSETS</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R29.htm</HtmlFileName>
      <LongName>121 - Disclosure - DERIVATIVE HEDGING INSTRUMENTS</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/DerivativeHedgingInstruments</Role>
      <ShortName>DERIVATIVE HEDGING INSTRUMENTS</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R30.htm</HtmlFileName>
      <LongName>122 - Disclosure - SEGMENT RESULTS</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/SegmentResults</Role>
      <ShortName>SEGMENT RESULTS</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R31.htm</HtmlFileName>
      <LongName>123 - Disclosure - REGULATORY CAPITAL</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/RegulatoryCapital</Role>
      <ShortName>REGULATORY CAPITAL</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R32.htm</HtmlFileName>
      <LongName>124 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/ParentCompanyFinancialInformation</Role>
      <ShortName>PARENT COMPANY FINANCIAL INFORMATION</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R33.htm</HtmlFileName>
      <LongName>125 - Disclosure - SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/SelectedQuarterlyConsolidatedFinancialData</Role>
      <ShortName>SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R34.htm</HtmlFileName>
      <LongName>201 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policy)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesPolicy</Role>
      <ShortName>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policy)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R35.htm</HtmlFileName>
      <LongName>301 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesTables</Role>
      <ShortName>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R36.htm</HtmlFileName>
      <LongName>303 - Disclosure - INVESTMENT SECURITIES (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/InvestmentSecuritiesTables</Role>
      <ShortName>INVESTMENT SECURITIES (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R37.htm</HtmlFileName>
      <LongName>304 - Disclosure - LOANS (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/LoansTables</Role>
      <ShortName>LOANS (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R38.htm</HtmlFileName>
      <LongName>305 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/AllowanceForLoanLossesTables</Role>
      <ShortName>ALLOWANCE FOR LOAN LOSSES (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R39.htm</HtmlFileName>
      <LongName>306 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrTables</Role>
      <ShortName>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R40.htm</HtmlFileName>
      <LongName>307 - Disclosure - PREMISES AND EQUIPMENT (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/PremisesAndEquipmentTables</Role>
      <ShortName>PREMISES AND EQUIPMENT (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R41.htm</HtmlFileName>
      <LongName>308 - Disclosure - DEPOSITS (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/DepositsTables</Role>
      <ShortName>DEPOSITS (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R42.htm</HtmlFileName>
      <LongName>309 - Disclosure - SHORT-TERM BORROWINGS (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/ShorttermBorrowingsTables</Role>
      <ShortName>SHORT-TERM BORROWINGS (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R43.htm</HtmlFileName>
      <LongName>310 - Disclosure - ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesTables</Role>
      <ShortName>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R44.htm</HtmlFileName>
      <LongName>311 - Disclosure - DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsTables</Role>
      <ShortName>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R45.htm</HtmlFileName>
      <LongName>312 - Disclosure - DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstrumentsTables</Role>
      <ShortName>DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R46.htm</HtmlFileName>
      <LongName>313 - Disclosure - INCOME TAXES (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/IncomeTaxesTables</Role>
      <ShortName>INCOME TAXES (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R47.htm</HtmlFileName>
      <LongName>314 - Disclosure - EMPLOYEE BENEFIT PLANS (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/EmployeeBenefitPlansTables</Role>
      <ShortName>EMPLOYEE BENEFIT PLANS (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R48.htm</HtmlFileName>
      <LongName>315 - Disclosure - LEASE COMMITMENTS (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/LeaseCommitmentsTables</Role>
      <ShortName>LEASE COMMITMENTS (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R49.htm</HtmlFileName>
      <LongName>317 - Disclosure - PREFERRED STOCK (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/PreferredStockTables</Role>
      <ShortName>PREFERRED STOCK (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R50.htm</HtmlFileName>
      <LongName>318 - Disclosure - STOCK COMPENSATION PLANS (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/StockCompensationPlansTables</Role>
      <ShortName>STOCK COMPENSATION PLANS (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R51.htm</HtmlFileName>
      <LongName>319 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE LOSS (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossTables</Role>
      <ShortName>ACCUMULATED OTHER COMPREHENSIVE LOSS (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R52.htm</HtmlFileName>
      <LongName>321 - Disclosure - DERIVATIVE HEDGING INSTRUMENTS (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/DerivativeHedgingInstrumentsTables</Role>
      <ShortName>DERIVATIVE HEDGING INSTRUMENTS (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R53.htm</HtmlFileName>
      <LongName>322 - Disclosure - SEGMENT RESULTS (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/SegmentResultsTables</Role>
      <ShortName>SEGMENT RESULTS (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R54.htm</HtmlFileName>
      <LongName>323 - Disclosure - REGULATORY CAPITAL (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/RegulatoryCapitalTables</Role>
      <ShortName>REGULATORY CAPITAL (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R55.htm</HtmlFileName>
      <LongName>324 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/ParentCompanyFinancialInformationTables</Role>
      <ShortName>PARENT COMPANY FINANCIAL INFORMATION (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R56.htm</HtmlFileName>
      <LongName>325 - Disclosure - SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/SelectedQuarterlyConsolidatedFinancialDataTables</Role>
      <ShortName>SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Tables)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R57.htm</HtmlFileName>
      <LongName>40101 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Narrative) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesNarrativeDetails</Role>
      <ShortName>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Narrative) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R58.htm</HtmlFileName>
      <LongName>40102 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Earnings Per Share) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesEarningsPerShareDetails</Role>
      <ShortName>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Earnings Per Share) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R59.htm</HtmlFileName>
      <LongName>40103 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Schedule of Accumulated Other Comprehensive Loss) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/SummaryOfSignificantAccountingPoliciesScheduleOfAccumulatedOtherComprehensiveLossDetails</Role>
      <ShortName>SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Schedule of Accumulated Other Comprehensive Loss) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R60.htm</HtmlFileName>
      <LongName>40201 - Disclosure - CASH AND DUE FROM DEPOSITORY INSTITUTIONS (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/CashAndDueFromDepositoryInstitutionsDetails</Role>
      <ShortName>CASH AND DUE FROM DEPOSITORY INSTITUTIONS (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R61.htm</HtmlFileName>
      <LongName>40301 - Disclosure - INVESTMENT SECURITIES (Schedule of Cost Basis and Fair Values of Investment Securities) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfCostBasisAndFairValuesOfInvestmentSecuritiesDetails</Role>
      <ShortName>INVESTMENT SECURITIES (Schedule of Cost Basis and Fair Values of Investment Securities) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R62.htm</HtmlFileName>
      <LongName>40302 - Disclosure - INVESTMENT SECURITIES (Schedule of Contractual Maturities of Securities) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfContractualMaturitiesOfSecuritiesDetails</Role>
      <ShortName>INVESTMENT SECURITIES (Schedule of Contractual Maturities of Securities) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R63.htm</HtmlFileName>
      <LongName>40303 - Disclosure - INVESTMENT SECURITIES (Schedule of Information Concerning Investments with Unrealized Losses) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/InvestmentSecuritiesScheduleOfInformationConcerningInvestmentsWithUnrealizedLossesDetails</Role>
      <ShortName>INVESTMENT SECURITIES (Schedule of Information Concerning Investments with Unrealized Losses) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R64.htm</HtmlFileName>
      <LongName>40304 - Disclosure - INVESTMENT SECURITIES (Narrative) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/InvestmentSecuritiesNarrativeDetails</Role>
      <ShortName>INVESTMENT SECURITIES (Narrative) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R65.htm</HtmlFileName>
      <LongName>40401 - Disclosure - LOANS (Summary of Loan Portfolio) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/LoansSummaryOfLoanPortfolioDetails</Role>
      <ShortName>LOANS (Summary of Loan Portfolio) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R66.htm</HtmlFileName>
      <LongName>40402 - Disclosure - LOANS (Narative) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/LoansNarativeDetails</Role>
      <ShortName>LOANS (Narative) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R67.htm</HtmlFileName>
      <LongName>40501 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Rollforward of the Allowance for Loan Losses by Portfolio Segment) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/AllowanceForLoanLossesRollforwardOfAllowanceForLoanLossesByPortfolioSegmentDetails</Role>
      <ShortName>ALLOWANCE FOR LOAN LOSSES (Rollforward of the Allowance for Loan Losses by Portfolio Segment) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R68.htm</HtmlFileName>
      <LongName>40502 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Summary of Primary Segments of Loan Portfolio) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/AllowanceForLoanLossesSummaryOfPrimarySegmentsOfLoanPortfolioDetails</Role>
      <ShortName>ALLOWANCE FOR LOAN LOSSES (Summary of Primary Segments of Loan Portfolio) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R69.htm</HtmlFileName>
      <LongName>40503 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Schedule of Impaired Loans by Class) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/AllowanceForLoanLossesScheduleOfImpairedLoansByClassDetails</Role>
      <ShortName>ALLOWANCE FOR LOAN LOSSES (Schedule of Impaired Loans by Class) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R70.htm</HtmlFileName>
      <LongName>40504 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Average Recorded Investment in Impaired Loans and Related Interest Income Recognized) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/AllowanceForLoanLossesAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedDetails</Role>
      <ShortName>ALLOWANCE FOR LOAN LOSSES (Average Recorded Investment in Impaired Loans and Related Interest Income Recognized) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R71.htm</HtmlFileName>
      <LongName>40505 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Loan Portfolio Summarized by Categories) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/AllowanceForLoanLossesLoanPortfolioSummarizedByCategoriesDetails</Role>
      <ShortName>ALLOWANCE FOR LOAN LOSSES (Loan Portfolio Summarized by Categories) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R72.htm</HtmlFileName>
      <LongName>40506 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Performing and Non-performing Outstanding Balances) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/AllowanceForLoanLossesPerformingAndNonperformingOutstandingBalancesDetails</Role>
      <ShortName>ALLOWANCE FOR LOAN LOSSES (Performing and Non-performing Outstanding Balances) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R73.htm</HtmlFileName>
      <LongName>40507 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Classes of Loan Portfolio by Aging Categories) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/AllowanceForLoanLossesClassesOfLoanPortfolioByAgingCategoriesDetails</Role>
      <ShortName>ALLOWANCE FOR LOAN LOSSES (Classes of Loan Portfolio by Aging Categories) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R74.htm</HtmlFileName>
      <LongName>40508 - Disclosure - ALLOWANCE FOR LOAN LOSSES (Narrative) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/AllowanceForLoanLossesNarrativeDetails</Role>
      <ShortName>ALLOWANCE FOR LOAN LOSSES (Narrative) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R75.htm</HtmlFileName>
      <LongName>40601 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of Non-performing Assets Including TDR) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfNonperformingAssetsIncludingTdrDetails</Role>
      <ShortName>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of Non-performing Assets Including TDR) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R76.htm</HtmlFileName>
      <LongName>40602 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of TDRs) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfTdrsDetails</Role>
      <ShortName>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of TDRs) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R77.htm</HtmlFileName>
      <LongName>40603 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of Recorded Investment of Defaults) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfRecordedInvestmentOfDefaultsDetails</Role>
      <ShortName>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of Recorded Investment of Defaults) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R78.htm</HtmlFileName>
      <LongName>40604 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of Interest Income) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrScheduleOfInterestIncomeDetails</Role>
      <ShortName>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Schedule of Interest Income) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R79.htm</HtmlFileName>
      <LongName>40605 - Disclosure - NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Narrative) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/NonperformingAssetsIncludingTroubledDebtRestructuringsTdrNarrativeDetails</Role>
      <ShortName>NON-PERFORMING ASSETS INCLUDING TROUBLED DEBT RESTRUCTURINGS (TDR) (Narrative) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R80.htm</HtmlFileName>
      <LongName>40701 - Disclosure - PREMISES AND EQUIPMENT (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/PremisesAndEquipmentDetails</Role>
      <ShortName>PREMISES AND EQUIPMENT (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R81.htm</HtmlFileName>
      <LongName>40801 - Disclosure - DEPOSITS (Schedule of Balances of Deposits) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/DepositsScheduleOfBalancesOfDepositsDetails</Role>
      <ShortName>DEPOSITS (Schedule of Balances of Deposits) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R82.htm</HtmlFileName>
      <LongName>40802 - Disclosure - DEPOSITS (Schedule of Interest Expense on Deposits) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/DepositsScheduleOfInterestExpenseOnDepositsDetails</Role>
      <ShortName>DEPOSITS (Schedule of Interest Expense on Deposits) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R83.htm</HtmlFileName>
      <LongName>40803 - Disclosure - DEPOSITS (Schedule of Balances of Deposits of $100,000 or More) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/DepositsScheduleOfBalancesOfDepositsOfOneZeroZeroZeroZeroZeroOrMoreDetails</Role>
      <ShortName>DEPOSITS (Schedule of Balances of Deposits of $100,000 or More) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R84.htm</HtmlFileName>
      <LongName>40804 - Disclosure - DEPOSITS (Schedule of Maturities of Deposits of $100,000 or More) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/DepositsScheduleOfMaturitiesOfDepositsOfOneZeroZeroZeroZeroZeroOrMoreDetails</Role>
      <ShortName>DEPOSITS (Schedule of Maturities of Deposits of $100,000 or More) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R85.htm</HtmlFileName>
      <LongName>40901 - Disclosure - SHORT-TERM BORROWINGS (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/ShorttermBorrowingsDetails</Role>
      <ShortName>SHORT-TERM BORROWINGS (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R86.htm</HtmlFileName>
      <LongName>41001 - Disclosure - ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Schedule of Balances and Advances) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesScheduleOfBalancesAndAdvancesDetails</Role>
      <ShortName>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Schedule of Balances and Advances) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R87.htm</HtmlFileName>
      <LongName>41002 - Disclosure - ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Narrative) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/AdvancesFromFederalHomeLoanBankAndGuaranteedJuniorSubordinatedDeferrableInterestDebenturesNarrativeDetails</Role>
      <ShortName>ADVANCES FROM FEDERAL HOME LOAN BANK AND GUARANTEED JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES (Narrative) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R88.htm</HtmlFileName>
      <LongName>41101 - Disclosure - DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Schedule of Assets and Liabilities Measured on Recurring Basis) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsScheduleOfAssetsAndLiabilitiesMeasuredOnRecurringBasisDetails</Role>
      <ShortName>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Schedule of Assets and Liabilities Measured on Recurring Basis) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R89.htm</HtmlFileName>
      <LongName>41102 - Disclosure - DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Schedule of Assets Measured at Fair Value on Non-Recurring Basis) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsScheduleOfAssetsMeasuredAtFairValueOnNonrecurringBasisDetails</Role>
      <ShortName>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Schedule of Assets Measured at Fair Value on Non-Recurring Basis) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R90.htm</HtmlFileName>
      <LongName>41103 - Disclosure - DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Narrative) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/DisclosuresAboutFairValueMeasurementsNarrativeDetails</Role>
      <ShortName>DISCLOSURES ABOUT FAIR VALUE MEASUREMENTS (Narrative) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R91.htm</HtmlFileName>
      <LongName>41201 - Disclosure - DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/DisclosuresAboutFairValueOfFinancialInstrumentsDetails</Role>
      <ShortName>DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R92.htm</HtmlFileName>
      <LongName>41301 - Disclosure - INCOME TAXES (Schedule of Expense for Income Taxes) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/IncomeTaxesScheduleOfExpenseForIncomeTaxesDetails</Role>
      <ShortName>INCOME TAXES (Schedule of Expense for Income Taxes) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R93.htm</HtmlFileName>
      <LongName>41302 - Disclosure - INCOME TAXES (Schedule of Reconciliation Between Federal Statutory Tax Rate and Effective Income Tax Rate) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/IncomeTaxesScheduleOfReconciliationBetweenFederalStatutoryTaxRateAndEffectiveIncomeTaxRateDetails</Role>
      <ShortName>INCOME TAXES (Schedule of Reconciliation Between Federal Statutory Tax Rate and Effective Income Tax Rate) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R94.htm</HtmlFileName>
      <LongName>41303 - Disclosure - INCOME TAXES (Schedule of Deferred Tax Assets and Liabilities) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/IncomeTaxesScheduleOfDeferredTaxAssetsAndLiabilitiesDetails</Role>
      <ShortName>INCOME TAXES (Schedule of Deferred Tax Assets and Liabilities) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R95.htm</HtmlFileName>
      <LongName>41304 - Disclosure - INCOME TAXES (Schedule of Change in Net Deferred Tax Assets and Liabilities) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/IncomeTaxesScheduleOfChangeInNetDeferredTaxAssetsAndLiabilitiesDetails</Role>
      <ShortName>INCOME TAXES (Schedule of Change in Net Deferred Tax Assets and Liabilities) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R96.htm</HtmlFileName>
      <LongName>41305 - Disclosure - INCOME TAXES (Narrative) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/IncomeTaxesNarrativeDetails</Role>
      <ShortName>INCOME TAXES (Narrative) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R97.htm</HtmlFileName>
      <LongName>41401 - Disclosure - EMPLOYEE BENEFIT PLANS (Narrative) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/EmployeeBenefitPlansNarrativeDetails</Role>
      <ShortName>EMPLOYEE BENEFIT PLANS (Narrative) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R98.htm</HtmlFileName>
      <LongName>41402 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Changes in Benefit Obligations and Plan Assets and Funded Status) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfChangesInBenefitObligationsAndPlanAssetsAndFundedStatusDetails</Role>
      <ShortName>EMPLOYEE BENEFIT PLANS (Schedule of Changes in Benefit Obligations and Plan Assets and Funded Status) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R99.htm</HtmlFileName>
      <LongName>41403 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Amounts Not Yet Recognized as a Component of Net Periodic Pension Cost) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAmountsNotYetRecognizedAsComponentOfNetPeriodicPensionCostDetails</Role>
      <ShortName>EMPLOYEE BENEFIT PLANS (Schedule of Amounts Not Yet Recognized as a Component of Net Periodic Pension Cost) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R100.htm</HtmlFileName>
      <LongName>41404 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Accumulated Benefit Obligation) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAccumulatedBenefitObligationDetails</Role>
      <ShortName>EMPLOYEE BENEFIT PLANS (Schedule of Accumulated Benefit Obligation) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R101.htm</HtmlFileName>
      <LongName>41405 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Weighted Average Assumptions Used to Determine Benefit Obligations) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfWeightedAverageAssumptionsUsedToDetermineBenefitObligationsDetails</Role>
      <ShortName>EMPLOYEE BENEFIT PLANS (Schedule of Weighted Average Assumptions Used to Determine Benefit Obligations) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R102.htm</HtmlFileName>
      <LongName>41406 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Components of Net Periodic Benefit Cost) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfComponentsOfNetPeriodicBenefitCostDetails</Role>
      <ShortName>EMPLOYEE BENEFIT PLANS (Schedule of Components of Net Periodic Benefit Cost) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R103.htm</HtmlFileName>
      <LongName>41407 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Other Changes in Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income (Loss)) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfOtherChangesInPlanAssetsAndBenefitObligationsRecognizedInOtherComprehensiveIncomeLossDetails</Role>
      <ShortName>EMPLOYEE BENEFIT PLANS (Schedule of Other Changes in Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income (Loss)) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R104.htm</HtmlFileName>
      <LongName>41408 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Weighted Average Assumptions Used to Determine Net Periodic Benefit Cost) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfWeightedAverageAssumptionsUsedToDetermineNetPeriodicBenefitCostDetails</Role>
      <ShortName>EMPLOYEE BENEFIT PLANS (Schedule of Weighted Average Assumptions Used to Determine Net Periodic Benefit Cost) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R105.htm</HtmlFileName>
      <LongName>41409 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Plan's Asset Allocations) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfPlansAssetAllocationsDetails</Role>
      <ShortName>EMPLOYEE BENEFIT PLANS (Schedule of Plan's Asset Allocations) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R106.htm</HtmlFileName>
      <LongName>41410 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Assets Measured at Fair Value) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfAssetsMeasuredAtFairValueDetails</Role>
      <ShortName>EMPLOYEE BENEFIT PLANS (Schedule of Assets Measured at Fair Value) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R107.htm</HtmlFileName>
      <LongName>41411 - Disclosure - EMPLOYEE BENEFIT PLANS (Schedule of Estimated Future Benefit Payments) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/EmployeeBenefitPlansScheduleOfEstimatedFutureBenefitPaymentsDetails</Role>
      <ShortName>EMPLOYEE BENEFIT PLANS (Schedule of Estimated Future Benefit Payments) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R108.htm</HtmlFileName>
      <LongName>41501 - Disclosure - LEASE COMMITMENTS (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/LeaseCommitmentsDetails</Role>
      <ShortName>LEASE COMMITMENTS (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R109.htm</HtmlFileName>
      <LongName>41601 - Disclosure - COMMITMENTS AND CONTINGENT LIABILITIES (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/CommitmentsAndContingentLiabilitiesDetails</Role>
      <ShortName>COMMITMENTS AND CONTINGENT LIABILITIES (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R110.htm</HtmlFileName>
      <LongName>41701 - Disclosure - PREFERRED STOCK (Schedule of Preferred Dividend Stock Period Annualized) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/PreferredStockScheduleOfPreferredDividendStockPeriodAnnualizedDetails</Role>
      <ShortName>PREFERRED STOCK (Schedule of Preferred Dividend Stock Period Annualized) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R111.htm</HtmlFileName>
      <LongName>41702 - Disclosure - PREFERRED STOCK (Narrative) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/PreferredStockNarrativeDetails</Role>
      <ShortName>PREFERRED STOCK (Narrative) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R112.htm</HtmlFileName>
      <LongName>41801 - Disclosure - STOCK COMPENSATION PLANS (Narrative) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/StockCompensationPlansNarrativeDetails</Role>
      <ShortName>STOCK COMPENSATION PLANS (Narrative) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R113.htm</HtmlFileName>
      <LongName>41802 - Disclosure - STOCK COMPENSATION PLANS (Schedule of Stock Incentive Plan Activity) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/StockCompensationPlansScheduleOfStockIncentivePlanActivityDetails</Role>
      <ShortName>STOCK COMPENSATION PLANS (Schedule of Stock Incentive Plan Activity) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R114.htm</HtmlFileName>
      <LongName>41803 - Disclosure - STOCK COMPENSATION PLANS (Schedule of Assumptions) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/StockCompensationPlansScheduleOfAssumptionsDetails</Role>
      <ShortName>STOCK COMPENSATION PLANS (Schedule of Assumptions) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R115.htm</HtmlFileName>
      <LongName>41901 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE LOSS (Schedule of Changes in Each Component of Accumulated Other Comprehensive Loss) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossScheduleOfChangesInEachComponentOfAccumulatedOtherComprehensiveLossDetails</Role>
      <ShortName>ACCUMULATED OTHER COMPREHENSIVE LOSS (Schedule of Changes in Each Component of Accumulated Other Comprehensive Loss) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R116.htm</HtmlFileName>
      <LongName>41902 - Disclosure - ACCUMULATED OTHER COMPREHENSIVE LOSS (Schedule of Amounts Reclassified out of Each Component of Accumulated Other Comprehensive Loss) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/AccumulatedOtherComprehensiveLossScheduleOfAmountsReclassifiedOutOfEachComponentOfAccumulatedOtherComprehensiveLossDetails</Role>
      <ShortName>ACCUMULATED OTHER COMPREHENSIVE LOSS (Schedule of Amounts Reclassified out of Each Component of Accumulated Other Comprehensive Loss) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R117.htm</HtmlFileName>
      <LongName>42001 - Disclosure - INTANGIBLE ASSETS (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/IntangibleAssetsDetails</Role>
      <ShortName>INTANGIBLE ASSETS (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R118.htm</HtmlFileName>
      <LongName>42101 - Disclosure - DERIVATIVE HEDGING INSTRUMENTS (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/DerivativeHedgingInstrumentsDetails</Role>
      <ShortName>DERIVATIVE HEDGING INSTRUMENTS (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R119.htm</HtmlFileName>
      <LongName>42201 - Disclosure - SEGMENT RESULTS (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/SegmentResultsDetails</Role>
      <ShortName>SEGMENT RESULTS (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R120.htm</HtmlFileName>
      <LongName>42301 - Disclosure - REGULATORY CAPITAL (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/RegulatoryCapitalDetails</Role>
      <ShortName>REGULATORY CAPITAL (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R121.htm</HtmlFileName>
      <LongName>42401 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Balance Sheets) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/ParentCompanyFinancialInformationBalanceSheetsDetails</Role>
      <ShortName>PARENT COMPANY FINANCIAL INFORMATION (Balance Sheets) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R122.htm</HtmlFileName>
      <LongName>42402 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Statements of Operations) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/ParentCompanyFinancialInformationStatementsOfOperationsDetails</Role>
      <ShortName>PARENT COMPANY FINANCIAL INFORMATION (Statements of Operations) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R123.htm</HtmlFileName>
      <LongName>42403 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Statements of Cash Flows) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/ParentCompanyFinancialInformationStatementsOfCashFlowsDetails</Role>
      <ShortName>PARENT COMPANY FINANCIAL INFORMATION (Statements of Cash Flows) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R124.htm</HtmlFileName>
      <LongName>42404 - Disclosure - PARENT COMPANY FINANCIAL INFORMATION (Narrative) (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/ParentCompanyFinancialInformationNarrativeDetails</Role>
      <ShortName>PARENT COMPANY FINANCIAL INFORMATION (Narrative) (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R125.htm</HtmlFileName>
      <LongName>42501 - Disclosure - SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://ameriservfinancial.com/role/SelectedQuarterlyConsolidatedFinancialDataDetails</Role>
      <ShortName>SELECTED QUARTERLY CONSOLIDATED FINANCIAL DATA (Details)</ShortName>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <Logs>
    <Log type="Info">Element asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterFifteenYears had a mix of decimals attribute values: 0 4.</Log>
    <Log type="Info">Element asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterOneThroughFiveYears had a mix of decimals attribute values: 3 4.</Log>
    <Log type="Info">Element asrv_AvailableForSaleSecuritiesDebtMaturitiesYieldAfterTenThroughFifteenYears had a mix of decimals attribute values: 0 4.</Log>
    <Log type="Info">Element asrv_FairValueAppraisalOfAdjustments had a mix of decimals attribute values: 1 2.</Log>
    <Log type="Info">Element asrv_FairValueLiquidationExpenses had a mix of decimals attribute values: 1 2.</Log>
    <Log type="Info">Element asrv_HeldToMaturitySecuritiesDebtMaturitiesYieldAfterFiveThroughTenYears had a mix of decimals attribute values: 0 3.</Log>
    <Log type="Info">Element us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate had a mix of decimals attribute values: 2 3.</Log>
    <Log type="Info">Element us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations had a mix of decimals attribute values: 0 2.</Log>
    <Log type="Info">Element us-gaap_LoansAndLeasesReceivableRatioOfNonperformingLoansToAllLoans had a mix of decimals attribute values: 2 4.</Log>
    <Log type="Info">Element us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate had a mix of decimals attribute values: 0 3.</Log>
    <Log type="Info">'Monetary' elements on report '42101 - Disclosure - DERIVATIVE HEDGING INSTRUMENTS (Details)' had a mix of different decimal attribute values.</Log>
    <Log type="Info">Process Flow-Through: 002 - Statement - CONSOLIDATED BALANCE SHEETS</Log>
    <Log type="Info">	Process Flow-Through: Removing column 'Dec. 31, 2011'</Log>
    <Log type="Info">	Process Flow-Through: Removing column 'Dec. 31, 2010'</Log>
    <Log type="Info">Process Flow-Through: 003 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical)</Log>
    <Log type="Info">Process Flow-Through: 004 - Statement - CONSOLIDATED STATEMENTS OF OPERATIONS</Log>
    <Log type="Info">	Process Flow-Through: Removing column '3 Months Ended
Dec. 31, 2013'</Log>
    <Log type="Info">	Process Flow-Through: Removing column '3 Months Ended
Sep. 30, 2013'</Log>
    <Log type="Info">	Process Flow-Through: Removing column '3 Months Ended
Jun. 30, 2013'</Log>
    <Log type="Info">	Process Flow-Through: Removing column '3 Months Ended
Mar. 31, 2013'</Log>
    <Log type="Info">	Process Flow-Through: Removing column '3 Months Ended
Dec. 31, 2012'</Log>
    <Log type="Info">	Process Flow-Through: Removing column '3 Months Ended
Sep. 30, 2012'</Log>
    <Log type="Info">	Process Flow-Through: Removing column '3 Months Ended
Jun. 30, 2012'</Log>
    <Log type="Info">	Process Flow-Through: Removing column '3 Months Ended
Mar. 31, 2012'</Log>
    <Log type="Info">Process Flow-Through: 005 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME</Log>
    <Log type="Info">	Process Flow-Through: Removing column '3 Months Ended
Dec. 31, 2013'</Log>
    <Log type="Info">	Process Flow-Through: Removing column '3 Months Ended
Sep. 30, 2013'</Log>
    <Log type="Info">	Process Flow-Through: Removing column '3 Months Ended
Jun. 30, 2013'</Log>
    <Log type="Info">	Process Flow-Through: Removing column '3 Months Ended
Mar. 31, 2013'</Log>
    <Log type="Info">	Process Flow-Through: Removing column '3 Months Ended
Dec. 31, 2012'</Log>
    <Log type="Info">	Process Flow-Through: Removing column '3 Months Ended
Sep. 30, 2012'</Log>
    <Log type="Info">	Process Flow-Through: Removing column '3 Months Ended
Jun. 30, 2012'</Log>
    <Log type="Info">	Process Flow-Through: Removing column '3 Months Ended
Mar. 31, 2012'</Log>
    <Log type="Info">Process Flow-Through: 007 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parenthetical)</Log>
    <Log type="Info">Process Flow-Through: 008 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS</Log>
  </Logs>
  <InputFiles>
    <File>asrv-20131231.xml</File>
    <File>asrv-20131231.xsd</File>
    <File>asrv-20131231_cal.xml</File>
    <File>asrv-20131231_def.xml</File>
    <File>asrv-20131231_lab.xml</File>
    <File>asrv-20131231_pre.xml</File>
  </InputFiles>
  <SupplementalFiles />
  <BaseTaxonomies />
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>true</HasCalculationLinkbase>
</FilingSummary>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>142
<FILENAME>R117.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0E2HAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>INTANGIBLE ASSETS (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillLineItems', window );"><strong>Goodwill [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
        <td class="nump">$ 12,613<span></span></td>
        <td class="nump">$ 12,613<span></span></td>
        <td class="nump">$ 12,613<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">West Chester Capital Advisors [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillLineItems', window );"><strong>Goodwill [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
        <td class="nump">3,100<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Retail Banking [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillLineItems', window );"><strong>Goodwill [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
        <td class="nump">$ 9,500<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Goodwill">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=14024403&amp;loc=d3e13816-109267<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13770-109266<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Goodwill</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GoodwillLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>143
<FILENAME>R74.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EFRAK">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Narrative) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2013</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2013</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2012</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2012</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure', window );">Individual loan balance is classified as nonaccrual status or troubled debt restructure</a></td>
        <td class="nump">$ 100<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 100<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_LoansPastDueAsToMaturity', window );">Loans past due as to maturity, days</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">90 days<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit) for loan losses</a></td>
        <td class="nump">1,000<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="num">(150)<span></span></td>
        <td class="nump">250<span></span></td>
        <td class="num">(550)<span></span></td>
        <td class="nump">200<span></span></td>
        <td class="nump">500<span></span></td>
        <td class="nump">625<span></span></td>
        <td class="nump">1,100<span></span></td>
        <td class="nump">775<span></span></td>
        <td class="nump">3,575<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pass [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews', window );">Minimum individual loan balance requiring quarterly review</a></td>
        <td class="nump">1,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Special Mention [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews', window );">Minimum individual loan balance requiring quarterly review</a></td>
        <td class="nump">250<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">250<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Doubtful [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews', window );">Minimum individual loan balance requiring quarterly review</a></td>
        <td class="nump">100<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">100<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit) for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(218)<span></span></td>
        <td class="num">(438)<span></span></td>
        <td class="nump">1,364<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment', window );">Threshold for individually evaluating loans</a></td>
        <td class="nump">250<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">250<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial [Member] | Minimum [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed', window );">Minimum percent of portfolio to be reviewed</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">50.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial [Member] | Maximum [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed', window );">Minimum percent of portfolio to be reviewed</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">55.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial loans secured by real estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit) for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,615<span></span></td>
        <td class="nump">1,053<span></span></td>
        <td class="nump">1,948<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Real estate-mortgage [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit) for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(8)<span></span></td>
        <td class="num">(365)<span></span></td>
        <td class="num">(185)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses', window );">Provision (credit) for loan losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">$ (70)<span></span></td>
        <td class="num">$ (129)<span></span></td>
        <td class="num">$ (12)<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing Receivable, Minimum Percent Required To Be Reviewed.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_FinancingReceivableMinimumPercentRequiredToBeReviewed</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing Receivable, Threshold Balance Which Requires Quarterly Reviews.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_FinancingReceivableThresholdBalanceWhichRequiresQuarterlyReviews</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing Receivable, Allowance For Credit Losses, Threshold For Individually Evaluating Of Impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_FinancingReceivableThresholdForIndividuallyEvaluatingOfImpairment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Individual loan balance is classified as nonaccrual status or troubled debt restructure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_IndividualLoanBalanceIsClassifiedAsNonaccrualStatusOrTroubledDebtRestructure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_LoansPastDueAsToMaturity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Loans past due as to maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_LoansPastDueAsToMaturity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:durationItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsNotesAndLoansReceivableLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=31042434&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 11<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForLoanLeaseAndOtherLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>144
<FILENAME>R38.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EHFAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>ALLOWANCE FOR LOAN LOSSES (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract', window );"><strong>ALLOWANCE FOR LOAN LOSSES [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock', window );">Rollforward of the Allowance for Loan Losses by Portfolio Segment</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">BALANCE AT DECEMBER 31, 2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CHARGE-<br /> OFFS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RECOVERIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">PROVISION (CREDIT)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">BALANCE AT DECEMBER 31, 2013</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,596</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(50)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>80</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>218</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,844</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>7,796</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,777)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>481</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(1,615)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>4,885</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,269</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(139)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>122</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,260</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>150</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>(154)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>70</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>70</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>136</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Allocation for general risk</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>760</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>219</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>979</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>12,571</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(2,120)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>753</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>(1,100)</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>10,104</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">BALANCE AT DECEMBER 31, 2011</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CHARGE-<br /> OFFS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RECOVERIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">PROVISION (CREDIT)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">BALANCE AT DECEMBER 31, 2012</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,365</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (345</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">138</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">438</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,596</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9,400</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (796</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">245</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,053</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 7,796</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,270</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (420</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">54</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">365</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,269</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">174</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (200</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">47</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">129</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">150</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Allocation for general risk</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,414</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (654</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 760</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 14,623</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (1,761</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 484</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (775</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 12,571</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">BALANCE AT DECEMBER 31, 2010</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CHARGE-<br /> OFFS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RECOVERIES</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">PROVISION (CREDIT)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">BALANCE AT DECEMBER 31, 2011</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,851</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (953</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">831</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,364</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,365</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 12,717</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,700</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">331</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (1,948</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 9,400</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,117</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">(85</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">53</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">185</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,270</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">206</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> (203</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">159</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">12</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">174</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Allocation for general risk</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,874</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> (460</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,414</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 20pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 19,765</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (2,941</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,374</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> (3,575</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> )<!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 14,623</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock', window );">Summary of Primary Segments of Loan Portfolio</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">AT DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">(IN THOUSANDS)</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL LOANS SECURED BY REAL ESTATE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">REAL<br /> ESTATE- MORTGAGE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CONSUMER</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Loans:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Individually evaluated for impairment</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,005</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>61</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,066</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Collectively evaluated for impairment</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>120,102</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>408,686</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>235,689</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>15,803</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>780,280</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>120,102</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>411,691</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>235,689</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>15,864</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>783,346</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23">AT DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23">(IN THOUSANDS)</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL LOANS SECURED BY REAL ESTATE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">REAL<br /> ESTATE- MORTGAGE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CONSUMER</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">ALLOCATION FOR GENERAL RISK</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Allowance for loan losses:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Specific reserve allocation</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>812</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>813</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> General reserve allocation</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>2,844</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>4,073</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1,260</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>135</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>979</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>9,291</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total allowance for loan losses</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>2,844</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>4,885</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,260</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>136</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>979</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>10,104</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">(IN THOUSANDS)</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL LOANS SECURED BY REAL ESTATE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">REAL<br /> ESTATE- MORTGAGE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CONSUMER</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Loans:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Individually evaluated for impairment</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,793</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,806</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Collectively evaluated for impairment</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 102,822</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 378,546</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 217,584</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 17,407</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 716,359</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 102,822</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 383,339</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 217,584</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 17,420</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 721,165</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23">AT DECEMBER 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="23">(IN THOUSANDS)</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">COMMERCIAL LOANS SECURED BY REAL ESTATE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">REAL<br /> ESTATE- MORTGAGE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CONSUMER</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">ALLOCATION FOR GENERAL RISK</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Allowance for loan losses:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Specific reserve allocation</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,586</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,586</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> General reserve allocation</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 2,596</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 6,210</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,269</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 150</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 760</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 10,985</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total allowance for loan losses</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,596</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 7,796</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,269</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 150</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 760</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 12,571</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivablesTableTextBlock', window );">Schedule of Impaired Loans by Class</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">DECEMBER 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">IMPAIRED LOANS WITH SPECIFIC ALLOWANCE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TOTAL IMPAIRED LOANS</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RECORDED INVESTMENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RELATED ALLOWANCE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RECORDED INVESTMENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RECORDED INVESTMENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNPAID PRINCIPAL BALANCE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,005</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>812</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,005</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,118</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>61</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>1</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>61</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>61</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total impaired loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>3,066</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>813</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>3,066</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>3,179</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">DECEMBER 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">IMPAIRED LOANS WITH SPECIFIC ALLOWANCE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">IMPAIRED LOANS WITH NO SPECIFIC ALLOWANCE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">TOTAL IMPAIRED LOANS</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RECORDED INVESTMENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RELATED ALLOWANCE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RECORDED INVESTMENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">RECORDED INVESTMENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">UNPAID PRINCIPAL BALANCE</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,239</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,586</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">554</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,793</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,850</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total impaired loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,239</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,586</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 567</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,806</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,863</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock', window );">Average Recorded Investment in Impaired Loans and Related Interest Income Recognized</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="11">YEAR ENDED DECEMBER 31,</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2013</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2012</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">2011</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="11">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Average impaired balance:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>13</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">503</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,459</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,754</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,479</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>37</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 3</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Average investment in impaired loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>2,509</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 3,770</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 4,982</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest income recognized:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">17</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>11</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">150</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>3</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Interest income recognized on a cash basis on impaired loans</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>14</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 167</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock', window );">Loan Portfolio Summarized by Categories</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">December 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">PASS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SPECIAL MENTION</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SUBSTANDARD</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">DOUBTFUL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>108,623</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>8,880</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,599</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>120,102</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>396,788</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>6,961</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>7,482</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>460</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>411,691</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>505,411</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>15,841</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>10,081</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>460</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>531,793</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">December 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">PASS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SPECIAL MENTION</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">SUBSTANDARD</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">DOUBTFUL</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 99,886</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">28</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,908</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 102,822</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 343,885</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 20,836</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 17,010</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 1,608</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 383,339</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 443,771</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 20,864</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 19,918</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,608</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 486,161</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock', window );">Performing and Non-performing Outstanding Balances</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">December 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">PERFORMING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">NON-<br /> PERFORMING</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>234,450</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,239</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>15,803</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>61</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>250,253</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,300</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="7">December 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">PERFORMING</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">NON-<br /> PERFORMING</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="7">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 216,393</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 1,191</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 17,407</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 13</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 233,800</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,204</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PastDueFinancingReceivablesTableTextBlock', window );">Classes of Loan Portfolio by Aging Categories</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="27">December 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CURRENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">30&nbsp;-&nbsp;59 DAYS PAST DUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">60&nbsp;-&nbsp;89 DAYS PAST DUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">90 DAYS PAST DUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL PAST DUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL LOANS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">90 DAYS PAST DUE AND STILL ACCRUING</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="27">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>120,102</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>120,102</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>410,619</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>457</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>615</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,072</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>411,691</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>231,740</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,232</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>670</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,047</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,949</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>235,689</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>15,804</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>33</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>27</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>60</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>15,864</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>778,265</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>2,722</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>697</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>1,662</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>5,081</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>783,346</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="27">December 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">CURRENT</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">30&nbsp;-&nbsp;59 DAYS PAST DUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">60&nbsp;-&nbsp;89 DAYS PAST DUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">90 DAYS PAST DUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL PAST DUE</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">TOTAL LOANS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">90 DAYS PAST DUE AND STILL ACCRUING</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="27">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 102,775</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">47</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">47</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 102,822</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Commercial loans secured by real estate</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 379,834</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,545</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">960</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,505</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 383,339</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Real estate-mortgage</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 213,300</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 3,240</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">303</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">741</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 4,284</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 217,584</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Consumer</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 17,371</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 16</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 33</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 49</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> 17,420</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 1pt solid; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Total</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 713,280</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 3,256</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 2,928</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 1,701</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 7,885</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> 721,165</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 3pt double; TEXT-ALIGN: right"> -</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; BORDER-BOTTOM: white 3pt double; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of average recorded investment in impaired loans and related interest income recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ScheduleOfAverageRecordedInvestmentInImpairedLoansAndRelatedInterestIncomeRecognizedTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of financing receivable performing and nonperforming.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ScheduleOfFinancingReceivablePerformingAndNonperformingTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of primary segments of the loan portfolio.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_ScheduleOfPrimarySegmentsOfLoanPortfolioTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953423-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 29<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953659-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=32702940&amp;loc=SL6953803-111525<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivablesTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of impaired financing receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivablesTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PastDueFinancingReceivablesTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=d3e5111-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28368275&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PastDueFinancingReceivablesTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>145
<FILENAME>R20.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_asrv_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract', window );"><strong>DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsDisclosureTextBlock', window );">DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS</a></td>
        <td class="text"><!--DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd" --><div> <div style="MIN-WIDTH: 708px; TEXT-ALIGN: center"> <!--StartFragment--> <h2 style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 5pt; FONT: bold 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0pt"> 12.&nbsp;&nbsp;DISCLOSURES ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS</h2> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> For the Company, as for most financial institutions, approximately 90% of its assets and liabilities are considered financial instruments. Many of the Company&#39;s financial instruments, however, lack an available trading market characterized by a willing buyer and willing seller engaging in an exchange transaction. Therefore, significant estimates and present value calculations were used by the Company for the purpose of this disclosure.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Fair values have been determined by the Company using independent third party valuations that uses best available data (Level 2) and an estimation methodology (Level 3) the Company believes is suitable for each category of financial instruments. Management believes that cash and cash equivalents, and loans and deposits with floating interest rates have estimated fair values which approximate the recorded carrying values. The estimation methodologies used, the estimated fair values based on US GAAP measurements, and recorded carrying values at December 31, 2013 and 2012, were as follows:</p> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">At December 31, 2013</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Carrying Value</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Fair Value</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">(Level 1)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">(Level 2)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">(Level 3)</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> FINANCIAL ASSETS:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Cash and cash equivalents</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>30,066</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>30,066</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>30,066</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Investment securities&nbsp;-&nbsp;AFS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>141,978</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>141,978</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>141,978</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Investment securities&nbsp;-&nbsp;HTM</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>18,187</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>17,788</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>14,822</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,966</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Regulatory stock</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6,802</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6,802</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>6,802</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Loans held for sale</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,402</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,453</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>3,453</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Loans, net of allowance for loan loss and unearned income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>773,242</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>771,460</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>771,460</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Accrued interest income receivable</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,908</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,908</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>2,908</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Bank owned life insurance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>36,669</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>36,669</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>36,669</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> FINANCIAL LIABILITIES:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Deposits with no stated maturities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>546,384</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>546,384</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>546,384</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ --><strong>$</strong></td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Deposits with stated maturities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>308,138</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>313,272</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>313,272</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Short-term borrowings</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>41,555</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>41,555</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>41,555</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> All other borrowings</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>38,085</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>40,598</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>40,598</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Accrued interest payable</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,784</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,784</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>1,784</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> <strong>-</strong></td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <div style="TEXT-ALIGN: center"> <table style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman, Times, Serif; FONT-VARIANT: normal; VERTICAL-ALIGN: text-bottom; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; PADDING-BOTTOM: 3pt; FONT-STYLE: normal; TEXT-ALIGN: left; PADDING-TOP: 3pt; PADDING-LEFT: 0pt; MARGIN: -24pt 0pt 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 0px" cellspacing="0" cellpadding="0" width="608"> <tr> <td>&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> <td style="WIDTH: 12px; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: medium none; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td colspan="3">&nbsp;</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="19">At December 31, 2012</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Carrying Value</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">Fair Value</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">(Level 1)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">(Level 2)</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; BORDER-BOTTOM: black 1pt solid; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: normal" colspan="3">(Level 3)</td> </tr> <tr> <td style="FONT-SIZE: 8pt; VERTICAL-ALIGN: text-bottom; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: normal"> &nbsp;&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="FONT-SIZE: 8pt; FONT-WEIGHT: bold; LINE-HEIGHT: normal; TEXT-ALIGN: center; VERTICAL-ALIGN: text-bottom" colspan="19">(IN THOUSANDS)</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> FINANCIAL ASSETS:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Cash and cash equivalents</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 26,820</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 26,820</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 26,820</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Investment securities&nbsp;-&nbsp;AFS</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 151,538</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 151,538</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 151,538</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Investment securities&nbsp;-&nbsp;HTM</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 13,723</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 14,266</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 11,321</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,945</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Regulatory stock</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,304</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,304</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 6,304</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Loans held for sale</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 10,576</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 10,722</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 10,722</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Loans, net of allowance for loan loss and unearned income</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 708,594</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 716,756</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 716,756</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Accrued interest income receivable</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,960</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,960</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,960</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Bank owned life insurance</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 36,214</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 36,214</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 36,214</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Fair value swap asset</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> FINANCIAL LIABILITIES:<br /> </td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> &nbsp;&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Deposits with no stated maturities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 520,002</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 520,002</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 520,002</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->$</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Deposits with stated maturities</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 315,732</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 320,930</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 320,930</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Short-term borrowings</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 15,660</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 15,660</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 15,660</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> All other borrowings</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 26,085</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 30,442</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 30,442</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Accrued interest payable</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,083</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,083</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right"> 2,083</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: rgb(204,255,204)"> <td style="VERTICAL-ALIGN: text-bottom; PADDING-LEFT: 10pt; TEXT-INDENT: -10pt"> Fair value swap liability</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">164</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: center"> <!-- GUTTER -->&nbsp;</td> <td style="WIDTH: 6px; VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: left"> <!-- $ -->&nbsp;</td> <td style="VERTICAL-ALIGN: text-bottom; TEXT-ALIGN: right">-</td> <td style="VERTICAL-ALIGN: text-bottom; WHITE-SPACE: nowrap; TEXT-ALIGN: left"> <!-- PERCENT -->&nbsp;</td> </tr> </table> </div> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The fair value of cash and cash equivalents, regulatory stock, accrued interest income receivable, short-term borrowings, and accrued interest payable are equal to the current carrying value.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The fair value of investment securities is equal to the available quoted market price for similar securities. The fair value measurements consider observable data that may include dealer quoted market spreads, cash flows, the US Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond&#39;s terms and conditions, among other things. The Level 3 securities are valued by discounted cash flows using the US Treasury rate for the remaining term of the securities.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Loans held for sale are priced individually at market rates on the day that the loan is locked for commitment with an investor. All loans in the held for sale account conform to Fannie Mae underwriting guidelines, with the specific intent of the loan being purchased by an investor at the predetermined rate structure. Loans in the held for sale account have specific delivery dates that must be executed to protect the pricing commitment (typically a 30, 45, or 60 day lock period).</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The net loan portfolio has been valued using a present value discounted cash flow. The discount rate used in these calculations is based upon the treasury yield curve adjusted for non-interest operating costs, credit loss, current market prices and assumed prepayment risk.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The fair value of bank owned life insurance is based upon the cash surrender value of the underlying policies and matches the book value.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Deposits with stated maturities have been valued using a present value discounted cash flow with a discount rate approximating current market for similar assets and liabilities. Deposits with no stated maturities have an estimated fair value equal to both the amount payable on demand and the recorded book balance.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The fair value of all other borrowings is based on the discounted value of contractual cash flows. The discount rates are estimated using rates currently offered for similar instruments with similar remaining maturities.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> The fair values of the swaps used for interest rate risk management represents the amount the Company would have expected to receive or pay to terminate such agreements.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Commitments to extend credit and standby letters of credit are financial instruments generally not subject to sale, and fair values are not readily available. The carrying value, represented by the net deferred fee arising from the unrecognized commitment, and the fair value, determined by discounting the remaining contractual fee over the term of the commitment using fees currently charged to enter into similar agreements with similar credit risk, are not considered material for disclosure. The contractual amounts of unfunded commitments are presented in Note 16.</p> <p style="TEXT-TRANSFORM: none; PADDING-BOTTOM: 3pt; TEXT-ALIGN: left; PADDING-TOP: 3pt; FONT: 10pt/12pt Times New Roman, Times, Serif; PADDING-LEFT: 4px; MARGIN: 0pt; PADDING-RIGHT: 0pt; TEXT-INDENT: 20px"> Changes in assumptions or estimation methodologies may have a material effect on these estimated fair values. The Company&#39;s remaining assets and liabilities which are not considered financial instruments have not been valued differently than has been customary under historical cost accounting.</p> <!--EndFragment--></div> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_asrv_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>asrv_DisclosuresAboutFairValueOfFinancialInstrumentsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>asrv_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentsDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for financial instruments. This disclosure includes, but is not limited to, fair value measurements of short and long term marketable securities, international currencies forward contracts, and auction rate securities. Financial instruments may include hedging and non-hedging currency exchange instruments, derivatives, securitizations and securities available for sale at fair value. Also included are investment results, realized and unrealized gains and losses as well as impairments and risk management disclosures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancialInstrumentsDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>146
<FILENAME>R101.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.8</span><table class="report" border="0" cellspacing="2" id="ID0EAHAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>EMPLOYEE BENEFIT PLANS (Schedule of Weighted Average Assumptions Used to Determine Benefit Obligations) (Details) (Pension Plans, Defined Benefit [Member])<br></strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pension Plans, Defined Benefit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract', window );"><strong>WEIGHTED AVERAGE ASSUMPTIONS:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate', window );">Discount rate</a></td>
        <td class="nump">4.50%<span></span></td>
        <td class="nump">4.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease', window );">Salary scale</a></td>
        <td class="nump">2.50%<span></span></td>
        <td class="nump">2.50%<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The interest rate used to adjust for the time value of money for the plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (k)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Expected rate of compensation increases (for pay-related plans).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (k)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=28361610&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationRateOfCompensationIncrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
